{"id":38438,"date":"2021-10-01T00:00:00","date_gmt":"2021-09-30T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/articulos\/interview-with-jose-luis-martinez-in-merca2\/"},"modified":"2026-04-09T12:44:43","modified_gmt":"2026-04-09T10:44:43","slug":"interview-with-jose-luis-martinez-in-merca2","status":"publish","type":"articulos","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/articulos\/interview-with-jose-luis-martinez-in-merca2\/","title":{"rendered":"Interview with Jos\u00e9 Luis Mart\u00ednez in Merca2"},"content":{"rendered":"

What is the employers’ association’s view on the situation of Spanish banking currently and for the remainder of the year?<\/strong><\/p>\n

The Spanish banking sector is ready and willing to continue helping families and businesses, as it has demonstrated during the pandemic. Our entities can also help channel and complement European funds so that they reach companies capable of contributing to modernizing the economy and making it greener and more digital. <\/p>\n

Delinquency is looming… The forecast is that it could spike in March. Are you concerned there won’t be sufficient provisions? <\/strong><\/p>\n

Banks have significantly strengthened their capital levels in recent years and have made high provisions, greater than those allocated at a European level, to prepare for a possible increase in delinquency, which, for the moment, remains at very low levels. At this time, it is crucial to take the necessary measures to accelerate the exit from the crisis and economic recovery. <\/p>\n

What the Spanish banking sector can do to improve capital<\/strong><\/p>\n

The banking sector is making good progress in its capital levels, which have increased significantly in recent months and are well above official requirements. This has allowed banks to support families and businesses during the most difficult moments of the pandemic and to be in a position to continue doing so and contribute to economic recovery. <\/p>\n

The European Banking Union remains incomplete; when do you think it will be finalized? What role should Spanish banks and the government play in its implementation? <\/strong><\/p>\n

The Banking Union, a decisive step towards completing monetary union and European integration, will be especially beneficial for consumers, who will be able to access a wider range of products and services to choose from, which will strengthen the already high competition and contribute to boosting economic growth.<\/p>\n

How many more mergers can occur in Spain’s banking sector without risking an oligopoly?<\/strong><\/p>\n

The consolidation of the banking sector has a dual objective: to improve its efficiency and strengthen the solvency of the resulting entities, which benefits their clients and the economy, since prosperous and sustainable growth requires the best financial service that banks can provide. The high competition among banks is reinforced by the incorporation of new technological competitors offering financial services. However, in this context, to ensure adequate consumer protection and necessary financial stability, it is essential that authorities subject these technology companies to the same regulation and supervision as banks. <\/p>\n

If profitability remains low even after maximizing cost reductions, what solution does the AEB see?<\/strong><\/p>\n

Adaptation to the environment and the evolving needs of clients, families, and businesses has always guided and will continue to guide the business strategy of Spanish banking, which is advancing in digitalization\u2014a process that requires investment but undoubtedly contributes to cost efficiency and offers new revenue opportunities\u2014and maintains its firm commitment to internationalization in an increasingly interconnected world.<\/p>\n

Regarding collective redundancies, do you believe the banking sector’s reputation will withstand it or be damaged?<\/strong><\/p>\n

The restructuring of the financial sector in the last decade, especially following the crisis with the disappearance of savings banks, has been a determining factor in branch closures and workforce reductions in Spain.<\/p>\n

Nevertheless, the process of streamlining commercial structures is a global phenomenon, driven by changes in consumer habits and the advancement of digitalization, which the difficulties caused by the pandemic have accelerated. And it is precisely to better face the pandemic and continue supporting families and businesses that banks need to strengthen themselves by adjusting their structures. <\/p>\n

What is your assessment of the AEB’s financial education programs?<\/strong><\/p>\n

Education is the most important asset any person can have, and financial literacy becomes a fundamental pillar for ensuring better control over personal finances.<\/p>\n

Financial education is one of the best tools we can provide young people to ensure that knowledge ultimately leads to good individual decisions, as well as for society as a whole.<\/p>\n

Our program ‘Your finances, your future,’ which we develop thanks to volunteer bank employees who bring financial education to schools, is a benchmark in Spain. Since its launch in 2014, more than 40,700 students have benefited from this initiative, which we carry out together with the Junior Achievement Foundation, as a result of the AEB’s and its partner banks’ long-term commitment to increasing citizens’ understanding of financial products and services. <\/p>\n

The pandemic has led to increased savings among Spaniards. Do you think we have improved in financial education since 2007? Are we better off? <\/strong><\/p>\n

The available data does not allow us to affirm that financial education has improved since 2007 despite the efforts made by financial authorities with the support of banks, which reflects the need for all of society to get involved in achieving this objective, especially educational authorities and families.<\/p>\n

Interview with Jos\u00e9 Luis Mart\u00ednez Campuzano, spokesperson for the Spanish Banking Association, conducted by Jos\u00e9 Mar\u00eda Lanseros.<\/p>\n

Download the interview<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

The Spanish banking sector is ready and willing to continue helping families and businesses, as it has demonstrated during the pandemic. Our entities can also help channel and complement European funds so that they reach companies capable of contributing to modernizing the economy and making it greener and more digital. Our spokesperson confirms this in this Merca2 interview.<\/p>\n","protected":false},"featured_media":38439,"parent":0,"template":"","etiquetas":[372,354,297,298,312,322,305],"class_list":["post-38438","articulos","type-articulos","status-publish","has-post-thumbnail","hentry","etiquetas-bancos","etiquetas-crisis-coronavirus","etiquetas-digitalizacion","etiquetas-educacion-financiera","etiquetas-jose-luis-martinez","etiquetas-regulacion","etiquetas-union-europea"],"yoast_head":"\nInterview with Jos\u00e9 Luis Mart\u00ednez in Merca2<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/articulos\/interview-with-jose-luis-martinez-in-merca2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Interview with Jos\u00e9 Luis Mart\u00ednez in Merca2\" \/>\n<meta property=\"og:description\" content=\"The Spanish banking sector is ready and willing to continue helping families and businesses, as it has demonstrated during the pandemic. 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