Exploring Cardano: Inner Workings and Advantages of this Cryptocurrency
Seville.- Economy.- Innova.- STSA inaugurates its new painting and sealing hangar in San Pablo, for 18 million
Innova.- More than 300 volunteers join the Andalucía Compromiso Digital network in one month to facilitate access to ICT
Innova.-AMP.- Ayesa acquires 51% of Sadiel, which will create new technological engineering products and expand markets
The Prime Minister of Slovakia remains seriously ill but is out of danger
Iran confirms indirect negotiations with the US to contain the regional expansion of the Gaza war
One of the Spanish survivors of the attack in Afghanistan is already traveling back to Spain
A new health protest runs through Madrid against Ayuso's management: "Quality healthcare, that is freedom"
How Blockchain in being used to shape the future
Not just BTC and ETH: Here Are Some More Interesting Coins Worth Focusing on
The UA participates in the proposed Ramses mission to study the close passage of an asteroid to Earth
They develop a tool to end discrimination biases in AI
A research group from the UA works on the development of healthy foods through AI
The Valencian researcher José Rafael Penadés, named 'fellow' of the British Royal Society
A million people demonstrate in France against Macron's pension reform
Russia launches several missiles against "critical infrastructure" in the city of Zaporizhia
A "procession" remembers the dead of the Calabria shipwreck as bodies continue to wash up on the shore
Prison sentences handed down for three prominent Hong Kong pro-democracy activists
ETH continues to leave trading platforms, Ethereum balance on exchanges lowest in 3 years
Investors invest $450 million in Consensys, Ethereum incubator now valued at $7 billion
Alchemy Integrates Ethereum L2 Product Starknet to Enhance Web3 Scalability at a Price 100x Lower Than L1 Fees
Mining Report: Bitcoin's Electricity Consumption Declines by 25% in Q1 2022
Oil-to-Bitcoin Mining Firm Crusoe Energy Systems Raised $505 Million
Microbt reveals the latest Bitcoin mining rigs -- Machines produce up to 126 TH/s with custom 5nm chip design
Bitcoin's Mining Difficulty Hits a Lifetime High, With More Than 90% of BTC Supply Issued
The Biggest Movers are Near, EOS, and RUNE during Friday's Selloff
Global Markets Spooked by a Hawkish Fed and Covid, Stocks and Crypto Gain After Musk Buys Twitter
Bitso to offset carbon emissions from the Trading Platform's ERC20, ETH, and BTC Transactions
Draftkings Announces 2022 College Hoops NFT Selection for March Madness
Capital and doubtful loan ratios fell slightly
MADRID, 20 Jul. (EUROPA PRESS) -
The annualized return on equity of Spanish financial institutions continued at historical highs, standing at 10.56% at the end of the first quarter of the year, excluding the impact of the recognition, in the first quarter of 2021, of goodwill at as a result of the merger process between CaixaBank and Bankia, which generated a "very high" return value.
This is reflected in the supervisory statistics of credit institutions corresponding to the first quarter of 2022 published this Wednesday by the Bank of Spain.
The publication also highlights that the ratio of doubtful loans for all credit institutions fell slightly compared to the previous quarter, standing at 2.84%. By type of institution, the doubtful ratio of significant institutions fell to 2.95%, and that of less significant institutions remained relatively stable, standing at 2.00%.
On the other hand, the capital ratios of all credit institutions decreased slightly in the first quarter of 2022: the ordinary level capital ratio (CET1) stood at 13.36%; the Tier 1 ratio, at 14.92%, and the total capital ratio, at 17.08%.
By type of entity, the total capital ratio of significant entities stood at 16.75% and that of less significant entities at 22.65%.
The cost of risk increased to 1.09% in the first quarter of 2022, from 0.97% in the previous quarter.
The aggregate leverage ratio fell, standing at 5.75% between January and March, compared to 5.81% in the first quarter of 2021), a decrease that was a consequence of the increase in the amount of total exposure, as explained by the Bank of Spain.
In this sense, the supervisor explains that the amount of this exposure will register an increase in the second quarter, since the European Central Bank has not extended beyond March 2022 the supervisory measure that allowed credit institutions to exclude from their ratios of leverage exposures to central banks.
"Therefore, as of April 1, 2022, entities will again include exposures to central banks in the leverage ratio, causing a decrease in it," he adds.
The loan-deposit ratio remained stable, standing at 100.66% in the first quarter of 2022, compared to 100.01% in the previous quarter, remaining at its lowest levels since the first quarter of 2017.
The Bank of Spain also collects data on the total loans and advances subject to measures related to Covid-19 from significant institutions. In this regard, it indicates that in the first quarter, the volume of these loans stood at 113,800 million euros, compared to the 116,200 million euros registered in the previous quarter.
This decrease had its origin, to a large extent, in new loans and advances subject to public guarantee programs in the context of the Covid-19 crisis, which fell to an amount of 102.1 million euros, which represents 4.48% of the total loans and advances of these entities, from 103,600 million euros in the fourth quarter of 2021.
As for the less significant entities, the amount of new loans and advances subject to public guarantee programs in the context of the COVID-19 crisis stood at 5,600 million euros, which represents 4.52% of the total loans and advances from these entities.
