Comunicado de la Comisión Europea tras la sexta revisión del Programa de Asistencia Financiera

José Luis Martínez Campuzano - Lunes, 24 de Octubre

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La Misión se desarrolló entre el 17-19 de octubre...http://www.ecb.europa.eu/press/pr/date/2016/html/pr161024.en.html The financial sector has continued to show a high degree of stability, supported by low funding costs, the ongoing restructuring of the sector and the strength of the economic recovery. The banking system has ample access to liquidity and is able to comfortably meet the regulatory capital requirements. Solvency levels are resilient to a stress scenario, as reflected in the 2016 stress test results of the European Banking Authority (EBA).

The quality of banks' assets has further

strengthened and by mid-2016 the non-performing loan ratio had fallen below

10% at the aggregate level. The main challenge for the banking sector, as in

other euro area countries, remains sustaining profitability over the medium term,

against the background of low interest rates and still negative growth of

business volumes. Although the outstanding volume of credit is still decreasing,

also reflecting the continuation of the deleveraging process by households and

enterprises, new bank lending to households and SMEs continues to grow and

supports economic activity.

Los retos a medio plazo para los bancos españoles pasan por la sostenibilidad de la

rentabilidad en un escenario de tipos bajos y debilidad del crédito. Pero esto último en

un entorno de crecimiento del nuevo crédito que soporta la actividad económica,

aunque compensado por el momento con la reducción de la deuda acumulada en el

pasado por familias y empresas.

Pero el Comunicado alude a las entidades que recibieron ayudas públicas:

Por último, piden continuar con las reformas estructurales para aumentar el crecimiento potencial, reducir los desequilibrios económicos, seguir con la reducción del desempleo y aumentar la productividad

The implementation of the restructuring plans of the Spanish banks that have

received state aid is almost completed. However, there has been no progress in

the re-privatisation of the two remaining state-owned banks since 2014.

Completing the restructuring and privatisation of these state-owned banks is

important to strengthen the stability of the banking sector. 

 

José Luis Martínez Campuzano es portavoz de la Asociación Española de Banca

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