This paper analyzes whether the funds set by the recent EU directives on bank resolution and deposit insurance to create a safer and sounder financial sector (i.e., 1% and 0.8% of covered deposits, respectively) are adequate to cover unexpected losses for the Spanish banking system. By applying...

This article provides a scenario-based analysis of how the EU proposal for a new funding model for Deposit Insurance Systems (DISs) would affect the Spanish banking sector. We examine the risk profiles of commercial banks, savings banks and credit cooperatives over the period 2007 to 2011 and...

This paper analyses the reasons why Spanish banks securitised in the period 2000-2007 on such a large scale that Spain has become the European country with the second-largest issuance volume after the UK.The results were obtained by applying a logistic regression model to a sample of 408...

This paper empirically analyzes the factors that determine the profitability of Spanish banks for the period of 1999-2009. We conclude that the high bank profitability during these years is associated with a large percentage of loans in total assets, a high proportion of customer deposits, good...

This paper analyzes the factors that determine the solvency of the insurance companies operating in Spain. The selected time span, from 2008 to 2015, encompasses a period of economic instability characterized by record low interest rates and low or even negative economic growth. Using a dynamic...

Countries around the world are working hard to fight against the economic crisis caused by the coronavirus pandemic, with a special emphasis on small- and medium-sized enterprises (SMEs) due to their vulnerability and importance in the business ecosystem. This paper analyzes the Spanish...

Our paper uses data from a Spanish regional mutual guarantee society (MGS) to analyze the macroeconomic impact of its activity during 2019 and 2020. By using an input‒output (IO) model, we find that for each euro lent thanks to the guarantee system, more than one euro of output is generated...