{"id":54649,"date":"2025-09-01T10:51:30","date_gmt":"2025-09-01T08:51:30","guid":{"rendered":"https:\/\/www.accuracy.com\/?p=54649"},"modified":"2025-10-17T11:30:51","modified_gmt":"2025-10-17T09:30:51","slug":"54649-2","status":"publish","type":"post","link":"https:\/\/www.accuracy.com\/en_gb\/54649-2\/","title":{"rendered":"Bancos m\u00e1s resilientes, pero con retos por delante."},"content":{"rendered":"

 <\/p>\n

\"European<\/p>\n

 <\/p>\n

\u00a0 \u00a0 \u00a0La Autoridad Bancaria Europea acaba de concluir su prueba de resistencia 2025, sometiendo a 64 de los principales bancos de la zona euro a un escenario m\u00e1s severo que el de la crisis de 2008. A pesar de enfrentarse a una ca\u00edda simulada del PIB del -6,3 % y p\u00e9rdidas de 500.000 millones de euros, los bancos han demostrado una mayor resiliencia, gracias a colchones de capital m\u00e1s s\u00f3lidos y al reciente aumento de su rentabilidad.<\/strong><\/p>\n

“Los elevados beneficios netos ofrecen un colch\u00f3n significativo para absorber p\u00e9rdidas en el
\nescenario adverso”, afirma Carla Azor\u00ed<\/strong>, Regulatory Affairs Manager de Accuracy<\/strong>. Seg\u00fan detalla, los
\nresultados “servir\u00e1n de base para que las entidades mantengan el di\u00e1logo supervisor y comprendan las acciones de gesti\u00f3n m\u00e1s relevantes, como la planificaci\u00f3n de capital, incluida la distribuci\u00f3n de
\ndividendos”.<\/p>\n

Tambi\u00e9n repara en que en estas pruebas se ha producido una implicaci\u00f3n directa del BCE en ciertos c\u00e1lculos por primera vez. Hasta ahora eran los bancos los que efectuaban los c\u00e1lculos a partir del escenario proporcionado por las autoridades, que despu\u00e9s los verificaban. Ahora cambia. “Esta vez, la instituci\u00f3n ha centralizado los c\u00e1lculos sobre el margen neto de intereses. Es un primer paso hacia una posible centralizaci\u00f3n m\u00e1s amplia de los c\u00e1lculos por parte del BCE, quien empieza a acumular suficientes datos como para lograrlo. Pero tambi\u00e9n ser\u00eda “una espada de doble filo”. Si bien se aligera la carga de tratamiento de datos para los bancos, tambi\u00e9n se reduce su margen de maniobra” , analiza.<\/p>\n

Te invitamos a conocer su opini\u00f3n sobre los resultados de los test junto a la de nuestro socio, Philippe Wust<\/strong>, en un art\u00edculo recientemente publicado en Eleconomista.es.<\/strong><\/p>\n

Bancos m\u00e1s resilientes, pero con retos por delante<\/a><\/p>","protected":false},"excerpt":{"rendered":"

    \u00a0 \u00a0 \u00a0La Autoridad Bancaria Europea acaba de concluir su prueba de resistencia 2025, sometiendo a 64 de los principales bancos de la zona euro a un escenario m\u00e1s severo que el de la crisis de 2008. A pesar de enfrentarse a una ca\u00edda simulada del PIB del -6,3 % y p\u00e9rdidas de […]<\/p>\n","protected":false},"author":10,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[319,17],"tags":[],"class_list":["post-54649","post","type-post","status-publish","format-standard","hentry","category-es-press","category-spain"],"acf":[],"yoast_head":"\nBancos m\u00e1s resilientes, pero con retos por delante. - Accuracy<\/title>\n<meta name=\"description\" content=\"La Autoridad Bancaria Europea acaba de concluir su prueba de resistencia 2025, sometiendo a 64 de los principales bancos de la zona euro a un escenario m\u00e1s severo que el de la crisis de 2008. A pesar de enfrentarse a una ca\u00edda simulada del PIB del -6,3 % y p\u00e9rdidas de 500.000 millones de euros, los bancos han demostrado una mayor resiliencia, gracias a colchones de capital m\u00e1s s\u00f3lidos y al reciente aumento de su rentabilidad.\" \/>\n<meta name=\"robots\" content=\"noindex,nofollow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accuracy.com\/en_gb\/54649-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Bancos m\u00e1s resilientes, pero con retos por delante.\" \/>\n<meta property=\"og:description\" content=\"La Autoridad Bancaria Europea acaba de concluir su prueba de resistencia 2025, sometiendo a 64 de los principales bancos de la zona euro a un escenario m\u00e1s severo que el de la crisis de 2008. 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