Recent Developments in Financing and Bank Lending to the Non-Financial Private Sector

17 Pages Posted: 27 Aug 2019

See all articles by Pana Alves

Pana Alves

Banco de España

Fabián Arrizabalaga

Independent

Javier Delgado

Banco de España

Irene Roibás

Banco de España

Date Written: July 24, 2019

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.

Keywords: finance, credit, households, non-financial corporations, deposit institutions, NPLs

JEL Classification: E44, E51, G21, G23

Suggested Citation

Alves, Pana and Arrizabalaga, Fabián and Delgado, Javier and Roibás, Irene, Recent Developments in Financing and Bank Lending to the Non-Financial Private Sector (July 24, 2019). Banco de Espana Article . Available at SSRN: https://ssrn.com/abstract=3441155

Pana Alves (Contact Author)

Banco de España ( email )

Alcala 50
Madrid 28014
Spain

Fabián Arrizabalaga

Independent

No Address Available
United States

Javier Delgado

Banco de España ( email )

Madrid 28014
Spain

Irene Roibás

Banco de España ( email )

Alcala 50
Madrid 28014
Spain

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