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26/3/2024 Research EN
German savings and co-operative banks well positioned to face challenges
The strong financial results of Germany's savings and co-operative banks demonstrate a high degree of resilience to current challenges, including continued cost pressures and credit risks, particularly in real estate.
25/3/2024 Research EN
The Wide Angle – European banking to 2030: more vigorous on the digital, more rigorous on risk
The future for European banks looks unmistakably digital and AI-driven. Emerging platform economies and the blurring of cyberspace borders between financial and non-financial businesses will further disrupt incumbent banks’ legacy structures.
15/3/2024 Research EN
German banks: systemic crisis unlikely amid persistent concerns about real estate slump
Fears of a real estate crisis engulfing German banks, particularly around US office exposure, have overshadowed their better annual results announced in recent weeks. But there is no immediate risk of a systemic crisis.
13/3/2024 Research EN
Italian banks: no acceleration in deposit repricing but funding pressure set to intensify
Deposit rates are rising slowly, reflecting low competition and a favourable deposit mix, but we expect more pressure in coming quarters, owing to TLTRO III redemptions and competition from retail government bond placements.
29/2/2024 Research EN
Spanish banks quarterly: limited challenges in 2024 as profitability drivers remain supportive
Spanish bank profitability in 2023 was driven by record net interest income. In terms of the 2024 outlook, the banks will face limited challenges as profitability drivers remains supportive and deposits have started to recover.
29/2/2024 Research EN
UK car financing review not material for large UK banks
The UK Financial Conduct Authority’s car finance review, initiated following a high number of complaints and compensation claims, may weigh negatively on profits for some banks but it is not a systemic credit issue for the banking sector.
28/2/2024 Research EN
The Wide Angle: banks need to prepare more and worry less about a digital euro
The likely establishment of a digital euro (dEUR) has triggered some anxiety at European banks around the stability of their deposits, high implementation costs, and curtailment of innovation capacity and competitiveness.