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dc.contributor.authorAlves, Pana
dc.contributor.authorArrizabalaga, Fabián
dc.contributor.authorDelgado, Javier
dc.contributor.authorGalán, Jorge E.
dc.contributor.authorPérez Asenjo, Eduardo
dc.contributor.authorPérez Montes, Carlos
dc.contributor.authorTrucharte, Carlos
dc.coverage.spatialEspaña
dc.date.accessioned2021-02-02T20:13:38Z
dc.date.available2021-02-02T20:13:38Z
dc.date.issued2021-01-29
dc.identifier.urihttps://repositorio.bde.es/handle/123456789/14751
dc.descriptionArtículo de revista
dc.description.abstractFinancing conditions for households and businesses have remained accommodating in the second half of 2020, assisted by the support measures introduced by the economic and monetary authorities to contend with the fallout of the COVID-19 pandemic. However, there are signs of some tightening in credit standards, linked to financial institutions’ increased risk concerns. The recovery in economic activity since the summer has favoured a more dynamic flow of credit to individuals, while, after the large volume of financing granted to productive activities over the spring, new lending to this sector declined significantly. The strong negative impact of the COVID-19 pandemic on economic activity did not filter through in any significant way into the quality of deposit institutions’ private sector credit portfolio until 2020 Q3. Although the decline in non-performing loans observed in previous years generally slowed across portfolios in 2020, and despite the pick-up in specific portfolios, such as those relating to consumer credit, total non-performing loans have continued to decline on a year-on-year basis. Growth in the volume of public guarantees for lending to business eased in the second half of the year and the volume of credit subject to non-expired moratoria, which is concentrated mostly in banking association schemes, stabilised.
dc.format.extent25 p.
dc.language.isoen
dc.publisherBanco de España
dc.relation.ispartofEconomic Bulletin / Banco de España, 1/2021
dc.relation.hasversionVersión en español 123456789/14712
dc.rightsReconocimiento-NoComercial-CompartirIgual 4.0 Internacional (CC BY-NC-SA 4.0)
dc.rightsIn Copyright - Non Commercial Use Permitted
dc.rights.urihttps://creativecommons.org/licenses/by-nc-sa/4.0/deed.es_ES
dc.rights.urihttp://rightsstatements.org/vocab/InC-NC/1.0/
dc.subjectFinancing
dc.subjectLending
dc.subjectHouseholds
dc.subjectNon-financial corporations
dc.subjectDeposit institutions
dc.subjectNon-performing loans ratio
dc.subjectPublic guarantees
dc.subjectMoratoria
dc.subjectFinancial analysis
dc.subjectEconomic situation
dc.titleRecent developments in financing and bank lending to the non-financial privante sector
dc.typeArtículo
dc.identifier.bdebib000470790
dc.identifier.bdepubECBU-2021-1B-art02
dc.subject.bdeRegulación y supervisión de instituciones financieras
dc.subject.bdeTeoría monetaría
dc.subject.bdeFinanciación de la empresa
dc.subject.bdeInstituciones crediticias de depósito
dc.publisher.bdeMadrid : Banco de España, 2021
dc.subject.jelE44
dc.subject.jelE51
dc.subject.jelG21
dc.subject.jelG23
dc.subject.jelG28
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