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Content
2025, Issue Spring
- 1 The impact of the autumn 2024 flash floods in Spain from a financial stability standpoint
by Carlos Pérez Montes & Javier García Villasur & Luis Gutiérrez de Rozas & Gabriel Jiménez & Nadia Lavín & Alexandra Matyunina & Raquel Vegas - 2 Corporate credit quality during the health crisis and the recent monetary tightening cycle
by Javier Delgado & Eduardo Pérez Asenjo - 3 This article elaborates on the definition of payment services contained in the European Union (EU) regulation on the matter (PSD2) and then sets forth the various interpretative issues that have arisen in relation to these definitions in recent years. This is followed by a brief description of the new developments related to the identification of payment services introduced by the European Commission’s 2023 proposals for a new Payment Services Directive (PSD3) and a new Payment Services Regulation (PSR). Lastly, this article contains brief considerations on electronic money and on the electronic money services included in the PSD3 and PSR
by José García Alcorta & Cristina Marín Palomino - 4 A map of the Spanish financial system: A tool for analysing interconnectedness and stress transmission channels
by Antonio Sánchez Serrano
2025, Issue Autumn
- 1 Analysis of the private credit market in Spain
by Esther Cáceres & Martín Farias & Gianmarco Ruzzier & Clara (Chi) Xu - 2 Firms' recourse to trade credit and the relationship with bank credit in Spain
by Miguel García-Posada & Sergio Mayordomo & Álvaro Menéndez & Maristela Mulino - 3 The impact of the 28 April 205 blackout on Spain's payment systems
by Lourdes Cremades & Álvaro Esandi & Miguel Pérez - 4 Banking consolidation and margins on bank loan and deposit transactions of non-financial corporations in Spain
by Luis Medrano Adán & Vicente Salas Fumás - 5 Determinants of internal ratings-based credit risk-weighted assets in Europe: 2015-2023
by Juan Carlos García-Céspedes & Rubén García-Céspedes - 6 The Banco de España and the banking supervision architecture in the 20th century through its key milestones: 1921, 1962 and 1977
by Joaquim Cuevas & María Ángeles Pons
2024, Issue Spring
- 1 Basel core principles for effective banking supervision: an update after a decade of experience
by Asunción Alonso & Danae Durán & Belén García-Olmedo & María Antonia Quesada - 2 Revisiting the estimation of the cost of equity of euro area banks
by Luis Fernández Lafuerza & Mariya Melnychuk - 3 The euro area banking sector and MREL: a challenge for medium-sized banks?
by Lucía Ibáñez & Miguel Kruse & María Pollos & José María Serena & Miquel Tarí - 4 A method for reducing credit scores’ sensitivity to economic conditions
by Óscar Fidalgo & Víctor Martínez & Esther Moral & María Oroz
2024, Issue Autumn
- 1 Artificial intelligence in the financial system: implications and progress from a central bank perspective
by Iván Balsategui & Sergio Gorjón & José Manuel Marqués - 2 Asset encumbrance in secured funding operations in the Spanish banking sector
by Esther Cáceres & Jorge San Vicente - 3 The International Monetary Fund’s Financial Sector Assessment Program in Spain: an overview from a financial stability standpoint
by María Díez Alcoba & Fátima Estacio & Luis Gutiérrez de Rozas - 4 Bank resolution and insolvency law: interactions and frictions
by Juana Pulgar
2023, Issue Spring
- 1 The EURIBOR surge and bank deposit costs: an investigation of interest rate pass-through and deposit portfolio rebalancing
by Alejandro Ferrer & Gergely Ganics & Ana Molina & José María Serena - 2 EU Energy derivatives markets: Structure and risks
by Antoine Bouveret & Davide Di Nello & Jordi Gutiérrez & Martin Haferkorn - 3 Digital assets and reporting: is there anything new under the sun?
by Fernando García Martínez & José Ramón Martínez Resano - 4 Climate change, financial risks and reporting: distant horizons?
by Covadonga Martínez & Pablo Pérez Rodríguez - 5 Crypto-asset regulation in the current international and European framework
by Rebeca Anguren & José García Alcorta & Lucas García Calvo & Diego Hernández García & Eva Valdeolivas
2023, Issue Autumn
- 1 Building trust to avoid banking crises
by Dominique Laboureix & Mark Pozlep - 2 The 2023 banking crises: The causes and the role played by bank management, supervisors and regulators
by José Alonso & Rebeca Anguren & M.ª Cruz Manzano & Joaquín Mochón - 3 Macroprudential tools for open-ended investment funds
by María Isabel Cambón & Gema Pedrón - 4 Pillar 3 disclosures on ESG risks. First disclosures of Spanish and other European banks
by Herminia Cuevas & Esther Palomeque & Beatriz Santa-Cruz - 5 Innovation in retail payments and its impact on central banks’ oversight function
by Desirée Alemán & Justo Arenillas & Lourdes Cremades & Rosa Martín & Miguel Pérez
2022, Issue Spring
- 1 Digitalisation and banking: new risks and three scenarios for the European banking system of the future
by Thorsten Beck & Antonio Sánchez - 2 Reflections on the future business model of European banks and the supervisory approach
by Julio R. Hernáez & Alejandra Bernad & Laura Hierro & Ana M. Gómez-Bezares - 3 Bank fees and charges: economic analysis, legal framework and relevance for financial stability
by Alejandro Ferrer & Álvaro Pereda - 4 Wholesale financial markets and digital currencies: making headway in the tokenisation of central bank money
by Sergio Gorjón - 5 Sectoral indicators for applying the Banco de España’s new macroprudential tools
by Carmen Broto & Esther Cáceres & Mariya Melnychuk - 6 The first ten years of the European Systemic Risk Board (2011-2021)
by Luis Gutiérrez de Rozas
2022, Issue Autumn
- 1 Impact of payout restrictions in the wake of the COVID-19 pandemic on European and US banks´ market valuation
by Irene Pablos & Carlos Pérez Montes - 2 Structural risk indicators for the Spanish banking sector
by Carmen Broto & Mariya Melnychuk - 3 Digital resilience and financial stability. The quest for policy tools in the financial sector
by José Ramón Martínez Resano - 4 Unwrapping black box models A case study in credit risk
by Jorge Tejero
2021, Issue Spring
- 1 Support measures in the banking sector: loan moratoria
by Gabriel Jiménez & Eduardo Pérez Asenjo & Raquel Vegas & Carlos Trucharte - 2 Estimating the cost of equity for financial institutions
by Luis Fernández Lafuerza & Javier Mencía - 3 Adapting the supervision of credit institutions to the COVID-19 crisis
by Sonsoles Eirea & María Oroz & Carlos Díez - 4 Euro area bank profitability and consolidation
by Édouard Fernandez-Bollo & Desislava Andreeva & Maciej Grodzicki & Lise Handal & Rose Portier - 5 Function and application of the new macroprudential tools available to the Banco de España
by Ángel Estrada & Christian Castro - 6 Implications for financial market infrastructures of a wholesale central bank digital currency based on distributed ledger technology
by José Luis Romero Ugarte & Abel Sánchez Martín & Carlos Martín Rodríguez & Justo Arenillas Cristóbal - 7 Cyber risk as a threat to financial stability
by Francisco José Herrera Luque & José Munera López & Paul Williams - 8 The design of macroeconomic scenarios for climate change stress tests
by Pablo Aguilar & Beatriz González & Samuel Hurtado
2021, Issue Autumn
- 1 Central bank digital currencies and financial stability
by Jean-Pierre Landau - 2 An initial analysis of energy transition risks using the Banco de España’s FLESB stress-testing framework
by Alejandro Ferrer & Javier García Villasur & Nadia Lavín & Irene Pablos Nuevo & Carlos Pérez Montes - 3 Archegos and Greensill: collapse, reactions and common features
by José Alonso Olmedo & Rebeca Anguren Martín & María Gamoneda Roca & Pablo Pérez Rodríguez - 4 Measuring interconnectedness across institutions and sectors
by Julio Gálvez - 5 Strengthening the cyber resilience of the financial sector
by Silvia Senabre & Iván Soto & José Munera - 6 Regulating for competition with BigTechs: banking-as-a-service and “beyond banking”
by José Ramón Martínez Resano - 7 Regulatory developments in bank solvency, recovery and resolvability
by Ignacio Colomer & Sara González Losantos & María López Pérez & Luis Mohedano Gómez
2020, Issue Spring
- 1 Big Tech “banks”, financial stability and regulation
by Jorge Padilla - 2 Taxonomy of the Spanish FinTech ecosystem and the drivers of FinTechs’ performance
by Santiago Carbó Valverde & Pedro J. Cuadros Solas & Francisco Rodríguez Fernández - 3 FinTech: data and data collection challenges
by Jara Quintanero & Román Santos & Ana Fernández & Auxi Moreno - 4 The outlook for the digitalisation of Spanish banks: risks and opportunities
by Carolina Toloba & José Miguel del Río - 5 The Banco de España in-house credit assessment system
by Sergio Gavilá & Alfredo Maldonado & Antonio Marcelo - 6 Euro risk-free interest rates: the transition from EONIA to €STR
by Inmaculada Álvarez López & Pablo Lago Perezagua
2020, Issue Autumn
- 1 The regulatory and supervisory response to the COVID-19 crisis
by Rebeca Anguren & Luis Gutiérrez de Rozas & Esther Palomeque & Carlos José Rodríguez García - 2 The challenges associated with the use of agencies’ credit ratings in the context of the COVID-19 crisis
by Elena Rodríguez de Codes & Antonio Marcelo & Roberto Blanco & Sergio Mayordomo & Fabián Arrizabalaga & Patricia Stupariu - 3 At-risk measures and financial stability
by Jorge E. Galán & María Rodríguez Moreno - 4 Stablecoins: risks, potential and regulation
by Douglas Arner & Raphael Auer & Jon Frost - 5 Digitalization, retail payments and Central Bank Digital Currency
by Jorge Ponce - 6 A future-proof retail payments ecosystem for Europe – the Eurosystem’s retail payments strategy and the role of instant payments therein
by Mirjam Plooij - 7 Incorporating sustainability factors into asset management
by Ricardo Gimeno & Fernando Sols
2019, Issue Spring
- 1 The Single Banking Resolution Mechanism
by Antonio Carrascosa - 2 FROB in the restructuring of the Spanish banking system. Where it stands after a decade of activity (2009-2019) and considerations for the Banking Union
by Jaime Ponce Huerta - 3 Resolution planning for credit institutions in Spain and in the euro area
by Miguel Kruse & Ivan Fernández - 4 Central clearing counterparties: benefits, costs and risks
by Soledad Núñez & Eva Valdeolivas - 5 Presentation of the High-Level Conference «The new bank provisioning standards:implementation challenges and financial stability implications»
by Rafael Repullo & Fernando Restoy & Jesús Saurina - 6 New loan provisioning standards and procyclicality
by Claudio Borio - 7 Provisioning Models vs. Prudential Models
by Juan Carlos García Céspedes - 8 Unveiling the expected loss model in IFRS 9 and Circular 4/2017
by Jorge Pallarés
2019, Issue Autumn
- 1 Energy transition and financial stability. Implications for the Spanish deposit-taking institutions
by Margarita Delgado - 2 The energy transition and the financial system
by Jaime Terceiro Lomba - 3 Building a sustainable financial system: the state of practice and future priorities
by Simon Dikau & Nick Robins & Matthias Täger - 4 Non-bank financial intermediation
by Ana Martínez-Pina García - 5 The shadow banking system and regulatory arbitrage: the eternal return?
by José María Roldán Alegre - 6 Capturing macroprudential regulation effectiveness: a DSGE approach with shadow intermediaries
by Federico Lubello & Abdelaziz Rouabah - 7 Financial system interconnectedness
by José Alonso & Patricia Stupariu - 8 Brexit: Uncertainties and challenges in the financial sector
by Paloma Marín Bona & Susana Moreno Sánchez & María García Lecuona - 9 Second Financial Stability Conference of the Banco de España and of the CEMFI Madrid, 3 and 4 June 2019
by Rafael Repullo & Jesús Saurina
2018, Issue Spring
- 1 Completion of Basel III post-crisis reforms: overview and analysis of key features
by Rebeca Anguren & Christian Castro & Danae Durán - 2 Bank branch closure and cash access in Spain
by Concha Jiménez Gonzalo & Helena Tejero Sala - 3 Banking concentration and competition in Spain: the impact of the crisis and restructuring
by Paula Cruz-García & Juan Fernández de Guevara & Joaquín Maudos - 4 Financial stability consequences of the expected credit loss model in IFRS 9
by Antonio Sánchez Serrano - 5 Sovereign bond-backed Securities as European reference safe assets: a review of the proposal by the ESRB-HLTF
by Javier Mencía & María Rodríguez Moreno - 6 The risk of climate change in financial markets and institutions: international challenges, measures and initiatives
by José Manuel & Luna Romo González
2018, Issue Autumn
- 1 Non-performing loans and euro area bank lending behaviour after the crisis
by John Fell & Maciej Grodzicki & Julian Metzler & Edward O’Brien - 2 Macroprudential policy in Portugal: experience with borrower-based instruments
by Ana Cristina Leal & Diana Lima - 3 The Second Payment Services Directive
by Alberto Javier Tapia Hermida - 4 A new regime for access to payment accounts: the PSD2
by Carlos Conesa & Sergio Gorjón & Gregorio Rubio - 5 Virtual and local currencies: are paracurrencies the new form of money?
by María Ángeles Nieto Giménez-Montesinos & Joaquín Hernáez Molera - 6 The impact of the interest rate level on bank profitability and balance sheet structure
by Carlos Pérez Montes & Alejandro Ferrer Pérez - 7 Spanish household debt defaults: results of the Spanish Survey of Household Finances (2002-2014)
by José María Casado & Ernesto Villanueva
2017, Issue Spring
- 1 Financial innovation in the digital age: challenges for regulation and supervision
by José Manuel González Páramo - 2 Executive compensation and firm leverage. A policy oriented survey
by Pedro Gete & Juan Pedro Gómez - 3 European banks US dollar liabilities: beyond the covered interest parity
by Luna Romo González - 4 Requerimientos de capital por riesgo de contrapartida: el nuevo método estándar
by Francisco Manzano Carpio
2017, Issue Autumn
- 1 Precisiones de la EBA en relación con determinados aspectos del gobierno corporativo de las entidades de crédito
by Carmen Alonso Ledesma - 2 La evolución de la fragilidad financiera de las empresas no financieras españolas entre 2007 y 2015
by Álvaro Menéndez & Maristela Mulino - 3 Presentation of the First Conference on Financial Stability and of the panel The countercyclical provisions of the Banco de España, 2000-2016
by Rafael Repullo & Jesús Saurina - 4 Presentation of the book The countercyclical provisions of the Banco de España, 2000-2016
by Jesús Saurina & Carlos Trucharte Artigas - 5 The countercyclical provisions of the Banco de España, 2000-2016
by Pedro Duarte Neves - 6 Countercyclical provisions, a partial answer to disaster myopia
by Richard Herring