Banking and Financial Systems
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February 13, 2025
Spain | Monetary policy pass-through in the loosening cycle
Spanish banks are rapidly translating the reduction in official interest rates to new lending operations' interest rates, which benefits borrowers. In the case of deposits, the transmission is slightly slower than in the hiking cycle, which benefits depositors.
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February 11, 2025
Türkiye | Banking Sector Monthly Outlook: January 2025
Profitability and NIMs of the sector have started to improve in 4Q24, which will continue with the rate-cutting cycle of the CBRT. The monetary stance remains to be supported with the macro-prudential measures. We expect the ROE of deposit banks to barely improve to 30% by end 2025 from 28.4% at the end of 2024.
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January 31, 2025
Colombia | The positive signs of the sovereign rating
Standard & Poor’s reaffirmed Colombia’s sovereign rating at BB+ with a negative outlook, highlighting economic recovery despite fiscal deterioration. The key now is sustainable growth, driven by investment. The next challenge will be Moody’s review, which still keeps Colombia at investment grade.
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January 20, 2025
Mexico | Monthly report on banking and the financial system, January 2025
The effects of the exchange rate depreciation and the "Buen fin" influenced the acceleration of current credit to a nominal annual rate of 13.2% in November. This also influenced the acceleration of bank deposits up to 10.5% nominal. Going forward, the weakness of activity and employment points to a slowdown.
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January 10, 2025
Global | Is It Economically Rational for Banks to Commit to Net-Zero?
Formal bank commitments to net-zero are facing challenges amid shifting policy perspectives. However, its economic rationale is very much alive for banks seeking (i) growth in green sectors, (ii) strategic alignment with regulatory changes and (iii) helping clients adapt through specialization.
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