{"id":36201,"date":"2021-05-14T00:00:00","date_gmt":"2021-05-13T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/articulos\/continuous-assessment\/"},"modified":"2026-04-09T12:44:42","modified_gmt":"2026-04-09T10:44:42","slug":"continuous-assessment","status":"publish","type":"articulos","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/articulos\/continuous-assessment\/","title":{"rendered":"Continuous Assessment"},"content":{"rendered":"

The ability to adapt to changes and to the most difficult moments is one of the hallmarks of banks. Their interrelation with economic growth and development, beyond their role of financing their clients’ projects, and their innovative character are other hallmarks in service of their objective: to act as a catalyst to drive other stakeholders toward greater economic and social prosperity. <\/p>\n

The changes that Spanish banks have carried out over the last fifteen years are the best example of their capacity for transformation, which can be summarized in three words: cleanup, recapitalization, and restructuring; and in two milestones at the European level: the greatest consolidation of a national banking sector and leadership in digital transformation in the provision of financial services. During this period, banks have found ways to strengthen their balance sheets in a complex scenario of zero interest rates and economic uncertainty marked by increasing competition from technology companies with a much lighter regulatory and supervisory burden. <\/p>\n

The transformation of the banking sector, however, has not been limited to improving its structure and mechanisms, but has affected the way it operates, to adapt to endless regulation and supervision, and has reached its core, improving its governance and redefining its mission: to contribute to economic and social development through a new, more sustainable economy that is respectful of the environment and benefits all layers of society.<\/p>\n

Thanks to these changes, the banking sector was in a good starting position when the health crisis broke out and has been able to play a key role in mitigating its economic impact on families and businesses. From the outset, banks were able to act quickly and decisively, and have demonstrated their full willingness to collaborate with authorities in adopting measures. <\/p>\n

Banks are experts in risk management, particularly challenging in these times of high uncertainty about the end of the pandemic and without historical precedents, an unusual scenario in which they have redoubled efforts to anticipate the potential increase in non-performing loans with a volume of write-offs and provisions well above those made in Europe. Although it is too early to anticipate how non-performing loans will evolve, many initiatives have already been launched to limit their potential rise. <\/p>\n

The decisions we make today will allow us to clear up uncertainty about tomorrow. Banks are committed to doing everything possible to facilitate economic recovery once the current exceptional situation is overcome. Their objective\u2014yesterday, today, and tomorrow\u2014is to evolve in the interests of citizens and the Spanish economy, an effort that requires the support of other stakeholders, businesses, and authorities with reforms and investments that ensure a solid and sustained economic recovery after the pandemic. <\/p>\n

As if it were a continuous assessment process, banks are making adjustments to strengthen themselves in an uncertain context, within the global economic reconstruction strategy in which we are immersed. The sector is determined to continue being part of the solution to the economic crisis, putting its resources objectively and prudently at the disposal of the productive economy, with all the adaptive changes that this entails. Because at this time, change is essential so that everything can remain the same. So that banks can continue supporting their clients and thus contributing to economic and social progress. <\/p>\n

Jos\u00e9 Luis Mart\u00ednez Campuzano, S<\/strong>pokesperson for the Spanish Banking Association<\/strong><\/p>\n

Download the article<\/a><\/p>\n

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Banks are committed to doing everything possible to facilitate economic recovery once the pandemic is overcome. 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