{"id":39257,"date":"2023-11-23T13:52:01","date_gmt":"2023-11-23T12:52:01","guid":{"rendered":"https:\/\/www.accuracy.com\/?p=39257"},"modified":"2024-07-11T15:47:11","modified_gmt":"2024-07-11T13:47:11","slug":"le-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia","status":"publish","type":"post","link":"https:\/\/www.accuracy.com\/fr\/el-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\/","title":{"rendered":"Le d\u00e9fi de la banque espagnole \u00e0 l'horizon 2024 : maintenir le volume des transactions et des investissements cr\u00e9dibles"},"content":{"rendered":"<p>L'\u00e9tude trimestrielle r\u00e9alis\u00e9e dans le domaine de l'industrie des services financiers analyse l'\u00e9tat du secteur bancaire espagnol et ses perspectives sur la base d'aspects tels que la capitalisation boursi\u00e8re, les recettes, la rentabilit\u00e9, la solvabilit\u00e9 et le risque de cr\u00e9dit de l'entreprise. <strong>Santander, BBVAm Bankinter, Banco Sabadell y Unicaja,<\/strong> tanto en Espa\u00f1a como en los distintos pa\u00edses donde tienen presencia. En outre, les experts de la soci\u00e9t\u00e9 analysent l'environnement macro\u00e9conomique national et europ\u00e9en et les r\u00e9sultats de quelques grandes banques europ\u00e9ennes telles que<strong> UBS, Deutsche Bank, Unicredit, Barclays, INGo BNP Paribas<\/strong> y tambi\u00e9n de entidades americanas como <strong>JP Morgan, Citigroup, Bank of America, Wells Fargo, Goldman Sachs et Morgan Stanley.<\/strong><\/p>\n<p>\u00c0 la suite, vous trouverez ses premi\u00e8res conclusions :<\/p>\n<p>&nbsp;<\/p>\n<ul>\n<li>Les principales banques espagnoles enregistrent une augmentation significative de leur chiffre d'affaires. <strong>les d\u00e9penses pour l'ensemble des types de produits et les ratios d'efficacit\u00e9<\/strong> superiores a los de sus hom\u00f3logos europeos y americanos<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li><strong>Les r\u00e9sultats de la banque espagnole<\/strong> siguen creciendo en l\u00ednea con los mercados alza, pero sus acciones tuvieron desempe\u00f1os heterog\u00e9neos a lo largo del tercer trimestre del a\u00f1o, siendo los mejores los de BBVA (+8,74%) y Santander (+5,19%) y estando a la baja Caixabank (-0.92%)<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Au cours du dernier trimestre, une am\u00e9lioration g\u00e9n\u00e9rale des r\u00e9sultats a \u00e9t\u00e9 enregistr\u00e9e. <strong>rentabilidades<\/strong> de los bancos que, salvo Sabadell y Unicaja, empezaron a cubrir el costte de capital<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>On per\u00e7oit d\u00e9j\u00e0 une <strong>r\u00e9duction du volume des investissements cr\u00e9dibles<\/strong> en algunas entidades, aunque por el momento se mantiene en niveles aceptables. La cartera de los principales bancos disminuy\u00f3 en promedio un 2,7% trimestral (un 1,5% de media en el caso de los cr\u00e9ditos hipotecarios). En cambio, el volumen de los pr\u00e9stamos al consumo resiste la subida de tipos<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>Aunque los <strong>niveaux de morosit\u00e9<\/strong> se mantuvieron bajos, la tendencia positiva de los \u00faltimos meses podr\u00eda empezar a cambiar y los principales bancos espa\u00f1oles aumentaron en 4.772 millones de euros los cr\u00e9ditos dudososos y en vigilancia especial durante el \u00faltimo trimestre. Si bien se muestran ligeros repuntes en el costte del riesgo, se descarta la posibilidad de una crisis bancaria<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<ul>\n<li>En el <strong>escenario macroecon\u00f3mico<\/strong>Les r\u00e9sultats \u00e9conomiques ne sont pas dus \u00e0 une inflation incontr\u00f4l\u00e9e et la croissance due \u00e0 la crise du COVID semble se ralentir ou dispara\u00eetre dans certaines des principales \u00e9conomies mondiales. Les niveaux actuels de PMI, tant dans la zone euro qu'en Espagne, semblent anticiper un ralentissement et m\u00eame une r\u00e9cession \u00e9conomique au cours des prochains trimestres dans les pays o\u00f9 le poids du secteur industriel est le plus \u00e9lev\u00e9.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>Si vous souhaitez obtenir plus d'informations, vous pouvez le faire dans l'avis complet que nous vous pr\u00e9sentons ci-apr\u00e8s.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>","protected":false},"excerpt":{"rendered":"<p>En el estudio trimestral que realiza el area de Financial Services Industry, se analiza el estado del sector bancario espa\u00f1ol y sus perspectivas bas\u00e1ndose en aspectos como la capitalizaci\u00f3n burs\u00e1til, los m\u00e1rgenes, la rentabilidad, la solvencia y el riesto de cr\u00e9dito de Santander, BBVAm Bankinter, Banco Sabadell y Unicaja, tanto en Espa\u00f1a como en los [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":44614,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[58,17],"tags":[],"class_list":["post-39257","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","category-spain"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.5 (Yoast SEO v28.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>El desaf\u00edo de la banca espa\u00f1ola para 2024: mantener el volumen del negocio y la inversi\u00f3n crediticia - Accuracy<\/title>\n<meta name=\"description\" content=\"En nuestro estudio trimestral, la firma analiza el estado del sector bancario espa\u00f1ol y sus perspectivas bas\u00e1ndose en aspectos como la capitalizaci\u00f3n burs\u00e1til, los m\u00e1rgenes, la rentabilidad, la solvencia y el riesgo de cr\u00e9dito de Santander, BBVA, Caixabank,Bankinter, Banco Sabadell y Unicaja tanto en Espa\u00f1a como en los distintos pa\u00edses en los que tienen presencia. Adem\u00e1s, los expertos de la firma analizan el entorno macroecon\u00f3mico nacional y europeo y los resultados de algunos destacados bancos europeoscomo UBS, Deutsche Bank, Unicredit, Barclays, ING o BNP Paribas, y tambi\u00e9n de entidades americanas como JP Morgan, Citigroup, Bank of America, Wells Fargo, Goldman Sachs y Morgan Stanley.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.accuracy.com\/fr\/le-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"El desaf\u00edo de la banca espa\u00f1ola para 2024: mantener el volumen del negocio y la inversi\u00f3n crediticia\" \/>\n<meta property=\"og:description\" content=\"En nuestro estudio trimestral, la firma analiza el estado del sector bancario espa\u00f1ol y sus perspectivas bas\u00e1ndose en aspectos como la capitalizaci\u00f3n burs\u00e1til, los m\u00e1rgenes, la rentabilidad, la solvencia y el riesgo de cr\u00e9dito de Santander, BBVA, Caixabank,Bankinter, Banco Sabadell y Unicaja tanto en Espa\u00f1a como en los distintos pa\u00edses en los que tienen presencia. Adem\u00e1s, los expertos de la firma analizan el entorno macroecon\u00f3mico nacional y europeo y los resultados de algunos destacados bancos europeoscomo UBS, Deutsche Bank, Unicredit, Barclays, ING o BNP Paribas, y tambi\u00e9n de entidades americanas como JP Morgan, Citigroup, Bank of America, Wells Fargo, Goldman Sachs y Morgan Stanley.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.accuracy.com\/fr\/le-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\/\" \/>\n<meta property=\"og:site_name\" content=\"Accuracy\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-23T12:52:01+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-07-11T13:47:11+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.accuracy.com\/wp-content\/uploads\/2023\/11\/Bank-building_shutterstock_132914387.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"473\" \/>\n\t<meta property=\"og:image:height\" content=\"327\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Laura Portugal\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Laura Portugal\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimation du temps de lecture\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/el-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/el-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\\\/\"},\"author\":{\"name\":\"Laura Portugal\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#\\\/schema\\\/person\\\/46baff672ca2165ec1e67656cb0b87ff\"},\"headline\":\"El desaf\u00edo de la banca espa\u00f1ola para 2024: mantener el volumen del negocio y la inversi\u00f3n crediticia\",\"datePublished\":\"2023-11-23T12:52:01+00:00\",\"dateModified\":\"2024-07-11T13:47:11+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/el-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\\\/\"},\"wordCount\":483,\"publisher\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/el-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.accuracy.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Bank-building_shutterstock_132914387.jpg\",\"articleSection\":[\"News\",\"Spain\"],\"inLanguage\":\"fr-CA\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/el-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\\\/\",\"url\":\"https:\\\/\\\/www.accuracy.com\\\/el-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\\\/\",\"name\":\"El desaf\u00edo de la banca espa\u00f1ola para 2024: mantener el volumen del negocio y la inversi\u00f3n crediticia - Accuracy\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/el-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.accuracy.com\\\/el-desafio-de-la-banca-espanola-para-2024-mantener-el-volumen-del-negocio-y-la-inversion-crediticia\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.accuracy.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/Bank-building_shutterstock_132914387.jpg\",\"datePublished\":\"2023-11-23T12:52:01+00:00\",\"dateModified\":\"2024-07-11T13:47:11+00:00\",\"description\":\"En nuestro estudio trimestral, la firma analiza el estado del sector bancario espa\u00f1ol y sus perspectivas bas\u00e1ndose en aspectos como la capitalizaci\u00f3n burs\u00e1til, los m\u00e1rgenes, la rentabilidad, la solvencia y el riesgo de cr\u00e9dito de Santander, BBVA, Caixabank,Bankinter, Banco Sabadell y Unicaja tanto en Espa\u00f1a como en los distintos pa\u00edses en los que tienen presencia. 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