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4/10/2024 Research EN
EU banks: NPL ratio stable in Q2 but modest asset-quality deterioration to persist
The consolidated non-performing loan (NPL) ratio of EU banks remained stable at a low level of 1.86% in the second quarter despite a rise in total NPLs to EUR 373.4bn, reflecting underlying volume growth.
23/9/2024 Research EN
Spanish bank quarterly: Strong domestic economy, lending growth support bank performance
Spanish banks expect strong H2 results supported by higher-for longer interest rates and loan volumes recovering faster than expected. Asset quality continues to be strong so risks to profitability and organic capital generation are contained.
10/9/2024 Research EN
French bank quarterly: net interest margins to remain low for longer
The recovery in net interest margins is taking longer than French banks initially anticipated, due to limited loan production and continuing migration of deposits to remunerated accounts, so improvements in cost efficiency are limited.
6/9/2024 Research EN
Covered Bond Directive: Policymakers solicit views on outstanding items. Are ESNs the next frontier?
Efforts to address remaining items in the Covered Bond Directive continue. While the Directive has brought many benefits, there is still room for improvement, particularly for European Secured Notes, which could offer both banks and SMEs funding benefits.
27/8/2024 Research EN
Full depositor preference a step towards EDIS?
Giving depositors preference in insolvency and harmonising national deposit guarantee schemes are among proposed steps to improve the process for dealing with failing banks. They also edge towards the goals of the European Deposit Insurance Scheme (EDIS).
14/8/2024 Research EN
European banks in Russia: exceptional factors drive profits amid pressure to exit
Profits at the Russian operations of RBI, UniCredit, and OTP Bank, the European banks with the highest exposures to Russia, continue to increase despite regulatory pressure to expedite exit plans.
13/8/2024 Research EN
Italian bank quarterly: Higher-for-longer rates support performance, credit fundamentals improve
Italian banks are poised for strong profitability in 2024 thanks to higher-than-expected rates and resilient credit quality. After a strong first half, lenders are confident of matching or even beating last year’s full-year performance.
12/8/2024 Research EN
Pressure mounts to improve climate-risk disclosures in covered bonds
Green and social covered bond issuance hit USD13.4bn in the first seven months of the year, representing approximately one in 10 new issues. But there is pressure to enforce consistent and standardised ESG disclosures related to cover pools.
8/8/2024 Research EN
Supervisory changes to assess bank risk and calculate capital add-ons a positive step
Changes to the way the ECB plans to determine banks’ capital add-on requirements to increase the efficiency and effectiveness of the supervisory process and to focus on risks that require greater attention are welcome developments.