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Recent developments in financing and bank lending to the non-financial private sector

Author

Listed:
  • Pana Alves
  • Fabián Arrizabalaga
  • Javier Delgado
  • Irene Roibás

Abstract

This is the first of a series of analytical articles that will examine, on a half-yearly basis, recent developments in funds raised by the Spanish non-financial private sector and resident deposit institutions’ credit exposure to the sector. In the early months of 2019, the conditions of access to bank finance for Spanish firms and households remained highly accommodative; however, after several years in which these conditions had gradually eased, signs are now emerging that suggest that this tendency may be coming to an end. Nevertheless, deposit institutions’ total outstanding credit exposure to the non-financial private sector continued to decline in 2019 Q1 (2.1% year-on-year). The NPL ratio also continued to fall.

Suggested Citation

  • Pana Alves & Fabián Arrizabalaga & Javier Delgado & Irene Roibás, 2019. "Recent developments in financing and bank lending to the non-financial private sector," Economic Bulletin, Banco de España, issue SEP.
    • Handle: RePEc:bde:journl:y:2019:i:9:d:aa:n:24
    Note: Analytical Articles
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    File URL: https://www.bde.es/f/webbde/SES/Secciones/Publicaciones/InformesBoletinesRevistas/ArticulosAnaliticos/19/T3/descargar/Files/be1903-art24e.pdf
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    Citations

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    Cited by:

    1. Pana Alves & Fabián Arrizabalaga & Javier Delgado & Jorge Galán & Eduardo Pérez Asenjo & Carlos Pérez Montes & Carlos Trucharte, 2021. "Recent developments in financing and bank lending to the non-financial privante sector," Economic Bulletin, Banco de España, issue 1/2021.
    2. Pana Alves & Jorge Galán & Luis Fernández Lafuerza & Eduardo Pérez Asenjo, 2021. "Recent developments in financing and bank lending to the non-financial private sector. First half of 2021," Economic Bulletin, Banco de España, issue 3/2021.

    More about this item

    Keywords

    finance; credit; households; non-financial corporations; deposit institutions; NPLs;
    All these keywords.

    JEL classification:

    • E44 - Macroeconomics and Monetary Economics - - Money and Interest Rates - - - Financial Markets and the Macroeconomy
    • E51 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Money Supply; Credit; Money Multipliers
    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G23 - Financial Economics - - Financial Institutions and Services - - - Non-bank Financial Institutions; Financial Instruments; Institutional Investors

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