{"id":35861,"date":"2016-04-14T00:00:00","date_gmt":"2016-04-13T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/"},"modified":"2026-04-09T09:46:31","modified_gmt":"2026-04-09T07:46:31","slug":"2015-adapting-to-the-new-normal","status":"publish","type":"blog-aeb","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/","title":{"rendered":"2015. Adapting to the “new normal”"},"content":{"rendered":"

The pace of global economic growth has stagnated in recent years, but since late 2013, Spain has once again registered growth rates close to its potential and has laid the foundations to consolidate sustained growth near 3%, largely explained by competitiveness gains and the internationalization efforts of Spanish companies.<\/p>\n

However, Spain still needs to address several essential adjustments to increase its growth potential. In an unfavorable economic scenario, the consolidated balance sheet maintains a growth rate of 9% for the second consecutive year, reflected in the increase in customer loans and deposits, with the LtD (Loan to Deposit) ratio remaining stable and funding requirements for this item at minimum levels. Non-performing loans continue to decline and coverage levels continue to increase. <\/p>\n

View the complete 2015 results presentation.<\/a><\/h6>\n","protected":false},"excerpt":{"rendered":"

Spain still needs to address certain essential adjustments to raise its growth potential. In an unfavorable economic scenario, the consolidated balance sheet maintains a growth rate of 9% for the second consecutive year. <\/p>\n","protected":false},"featured_media":35862,"parent":0,"template":"","etiquetas":[294,393],"categorias-blog":[782],"class_list":["post-35861","blog-aeb","type-blog-aeb","status-publish","has-post-thumbnail","hentry","etiquetas-banca-espanola","etiquetas-resultados","categorias-blog-our-activity"],"yoast_head":"\n2015 Results Presentation of Spanish Banks<\/title>\n<meta name=\"description\" content=\"Spain still needs to address certain adjustments to raise its growth potential. The consolidated balance sheet maintains a growth rate of 9%.\" \/>\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\/aeb-informa\/2015-adapting-to-the-new-normal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"2015 Results Presentation of Spanish Banks\" \/>\n<meta property=\"og:description\" content=\"Spain still needs to address certain adjustments to raise its growth potential. The consolidated balance sheet maintains a growth rate of 9%.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/\" \/>\n<meta property=\"og:site_name\" content=\"Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-09T07:46:31+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/aebanca.es\/wp-content\/uploads\/2018\/10\/negocio.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"636\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@aebanca\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/2015-adapting-to-the-new-normal\\\/\",\"url\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/2015-adapting-to-the-new-normal\\\/\",\"name\":\"2015 Results Presentation of Spanish Banks\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/2015-adapting-to-the-new-normal\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/2015-adapting-to-the-new-normal\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/aebanca.es\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/negocio.jpg\",\"datePublished\":\"2016-04-13T22:00:00+00:00\",\"dateModified\":\"2026-04-09T07:46:31+00:00\",\"description\":\"Spain still needs to address certain adjustments to raise its growth potential. The consolidated balance sheet maintains a growth rate of 9%.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/2015-adapting-to-the-new-normal\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/2015-adapting-to-the-new-normal\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/2015-adapting-to-the-new-normal\\\/#primaryimage\",\"url\":\"https:\\\/\\\/aebanca.es\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/negocio.jpg\",\"contentUrl\":\"https:\\\/\\\/aebanca.es\\\/wp-content\\\/uploads\\\/2018\\\/10\\\/negocio.jpg\",\"width\":1000,\"height\":636},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/2015-adapting-to-the-new-normal\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/aebanca.es\\\/en\\\/home\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"AEB Informs\",\"item\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/te-interesa\\\/aeb-informa\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"2015. Adapting to the “new normal”\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/aebanca.es\\\/en\\\/\",\"name\":\"AEB\",\"description\":\"Asociaci\u00f3n Espa\u00f1ola de Banca\",\"publisher\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/aebanca.es\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#organization\",\"name\":\"AEB\",\"url\":\"https:\\\/\\\/aebanca.es\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/aebanca.es\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/LOGO-AEB-menu.svg\",\"contentUrl\":\"https:\\\/\\\/aebanca.es\\\/wp-content\\\/uploads\\\/2025\\\/07\\\/LOGO-AEB-menu.svg\",\"width\":57,\"height\":22,\"caption\":\"AEB\"},\"image\":{\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/aebanca\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"2015 Results Presentation of Spanish Banks","description":"Spain still needs to address certain adjustments to raise its growth potential. The consolidated balance sheet maintains a growth rate of 9%.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/","og_locale":"en_US","og_type":"article","og_title":"2015 Results Presentation of Spanish Banks","og_description":"Spain still needs to address certain adjustments to raise its growth potential. The consolidated balance sheet maintains a growth rate of 9%.","og_url":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/","og_site_name":"Asociaci\u00f3n Espa\u00f1ola de Banca","article_modified_time":"2026-04-09T07:46:31+00:00","og_image":[{"width":1000,"height":636,"url":"https:\/\/aebanca.es\/wp-content\/uploads\/2018\/10\/negocio.jpg","type":"image\/jpeg"}],"twitter_card":"summary_large_image","twitter_site":"@aebanca","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/","url":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/","name":"2015 Results Presentation of Spanish Banks","isPartOf":{"@id":"https:\/\/aebanca.es\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/#primaryimage"},"image":{"@id":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/#primaryimage"},"thumbnailUrl":"https:\/\/aebanca.es\/wp-content\/uploads\/2018\/10\/negocio.jpg","datePublished":"2016-04-13T22:00:00+00:00","dateModified":"2026-04-09T07:46:31+00:00","description":"Spain still needs to address certain adjustments to raise its growth potential. The consolidated balance sheet maintains a growth rate of 9%.","breadcrumb":{"@id":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/#primaryimage","url":"https:\/\/aebanca.es\/wp-content\/uploads\/2018\/10\/negocio.jpg","contentUrl":"https:\/\/aebanca.es\/wp-content\/uploads\/2018\/10\/negocio.jpg","width":1000,"height":636},{"@type":"BreadcrumbList","@id":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/2015-adapting-to-the-new-normal\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/aebanca.es\/en\/home\/"},{"@type":"ListItem","position":2,"name":"AEB Informs","item":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/"},{"@type":"ListItem","position":3,"name":"2015. Adapting to the “new normal”"}]},{"@type":"WebSite","@id":"https:\/\/aebanca.es\/en\/#website","url":"https:\/\/aebanca.es\/en\/","name":"AEB","description":"Asociaci\u00f3n Espa\u00f1ola de Banca","publisher":{"@id":"https:\/\/aebanca.es\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/aebanca.es\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/aebanca.es\/en\/#organization","name":"AEB","url":"https:\/\/aebanca.es\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/aebanca.es\/en\/#\/schema\/logo\/image\/","url":"https:\/\/aebanca.es\/wp-content\/uploads\/2025\/07\/LOGO-AEB-menu.svg","contentUrl":"https:\/\/aebanca.es\/wp-content\/uploads\/2025\/07\/LOGO-AEB-menu.svg","width":57,"height":22,"caption":"AEB"},"image":{"@id":"https:\/\/aebanca.es\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/aebanca"]}]}},"_links":{"self":[{"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/blog-aeb\/35861","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/blog-aeb"}],"about":[{"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/types\/blog-aeb"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/media\/35862"}],"wp:attachment":[{"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/media?parent=35861"}],"wp:term":[{"taxonomy":"etiquetas","embeddable":true,"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/etiquetas?post=35861"},{"taxonomy":"categorias-blog","embeddable":true,"href":"https:\/\/aebanca.es\/en\/wp-json\/wp\/v2\/categorias-blog?post=35861"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}