TAILIEUCHUNG - THE BANKING SYSTEM REFORM

In general terms, saving banks as the rest of the Spanish banking sector, faced the first phases of the financial crisis, originated in August 2007, with outstanding resilience due to their so called “traditional” banking model based mainly on retail banking, the high quality of the Bank of Spain prudential supervision and a privileged position in terms of efficiency, profitability, and level of provisions and capital. Nevertheless, the persistence of the financial crisis together with the serious economic downturn have resulted in an intensively adverse environment for the Spanish financial sector and hence in lower levels of banking activity,. | MINISTERIO DE ECONOMÍA Y HACIENDA 25 - X - 2010 THE BANKING SYSTEM REFORM 1. Introduction Saving Banks Cajas de Ahorros play an essential role in the Spanish financial system and social network. From an economic point of view they have been throughout their history a significant driving force for growth savings allocation of resources and financial inclusion. They have also grown to be an essential element for the credit access of households and firms. Another crucial aspect that explains the importance of saving banks for the Spanish society is their effect on the general interest through the compliance with their social duties. Indeed the allocation of surpluses to the provisions of goods and services in the territories in which they are present is a very valuable complement of our welfare state. In general terms saving banks as the rest of the Spanish banking sector faced the first phases of the financial crisis originated in August 2007 with outstanding resilience due to their so called traditional banking model based mainly on retail banking the high quality of the Bank of Spain prudential supervision and a privileged position in terms of efficiency profitability and level of provisions and capital. Nevertheless the persistence of the financial crisis together with the serious economic downturn have resulted in an intensively adverse environment for the Spanish financial sector and hence in lower levels of banking activity difficulties for obtaining financing from international markets as well as an increase in the levels of delays in payments. Spanish entities have reacted to such conditions reducing operative costs intensifying efforts to gain new deposits and reinforcing the quality of own funds. However regarding saving banks the financial crisis highlighted two main flaws. On the one hand there is an excess of capacity and on the other hand there is a need for greater flexibility both in access to capital resources and in the adjustment processes. In such

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