The Bank of Spain warned Tuesday that it was likely that the revenue growth of the lenders would slow down this year in a lower interest rates context and geopolitical risks, so it would have to closely monitor the credit quality of bank loans.
In its semiannual financial stability report, the Central Bank said the quality of credit was now at favorable levelsbut that could deteriorate whether possible economic slowdown weighs on borrowers.
The Moorish Loan Ratio has remained stable in Spain, slightly above 3% at the end of 2024 and early 2025well below the historical maximum of 13.6% reached in December 2013.
The interest margin of the banks have fallen 3.9% in the first quarter, The Central Bank reported, after increasing 22% by 2023 and 8.8% in 2024.
He also said that the so delayed application of the international regulations of the regulatory framework Basel III remained a priority, since it would avoid the accumulation of global systemic risks. The norms must be consistent with the planned review of the European Union supervision framework, to make the simplest framework without undermining the resistance of the banks, the Central Bank said.
