{"id":36308,"date":"2009-12-10T00:00:00","date_gmt":"2009-12-09T23:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/aeb-informa\/balance-sheet-strengthening-in-a-highly-complex-economic-and-financial-environment\/"},"modified":"2026-04-09T09:50:24","modified_gmt":"2026-04-09T07:50:24","slug":"balance-sheet-strengthening-in-a-highly-complex-economic-and-financial-environment","status":"publish","type":"blog-aeb","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/aeb-informa\/balance-sheet-strengthening-in-a-highly-complex-economic-and-financial-environment\/","title":{"rendered":"Balance sheet strengthening in a highly complex economic and financial environment"},"content":{"rendered":"<h3>Strengthening competitiveness and capital strength<\/h3>\n<p>Through:<\/p>\n<ul>\n<li>Increase in the level and quality of equity.<\/li>\n<li>Allocation of higher provisions for insolvency.<\/li>\n<li>Containment of operating expenses and improvement of cost structure.<\/li>\n<li>Extension and enhancement of international franchises.<\/li>\n<\/ul>\n<p>The playing field must be leveled again to achieve European banking integration.<\/p>\n<h3>Financial statements vs. Stress test <\/h3>\n<p>What are we talking about?<\/p>\n<ul>\n<li><strong>Financial statements (mandatory publication).<\/strong>\n<ul>\n<li>Prepared by the directors who are responsible for their accuracy.<\/li>\n<li>They represent a true and fair view of the financial position according to common mandatory rules in the EU.<\/li>\n<li>Non-compliance has legal consequences for the directors.<\/li>\n<li>They are audited annually by prestigious firms.<\/li>\n<li>Constantly supervised by the Bank of Spain<\/li>\n<\/ul>\n<\/li>\n<li><strong>Stress test (unregulated publication).<\/strong><\/li>\n<li style=\"list-style-type: none;\">\n<ul>\n<li>They attempt to predict the future<\/li>\n<li>They are based on subjective assumptions according to the objective.<\/li>\n<li>They are not required to be uniform in objectives, methodology, time horizon, variables to be analyzed, or assumptions<\/li>\n<li>They are not audited<\/li>\n<li>They are not supervised<\/li>\n<li>Without legal consequences<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h6><a href=\"https:\/\/aebanca.es\/wp-content\/uploads\/2017\/12\/08-200907097.pdf\" target=\"_blank\" rel=\"noopener\">Download the full results presentation<\/a><\/h6>\n","protected":false},"excerpt":{"rendered":"<p>Results presentation for September 2009. Strengthening competitiveness and capital strength through four measures. <\/p>\n","protected":false},"featured_media":0,"parent":0,"template":"","etiquetas":[310,642,393,305],"categorias-blog":[782],"class_list":["post-36308","blog-aeb","type-blog-aeb","status-publish","hentry","etiquetas-crisis","etiquetas-cuentas-de-resultados","etiquetas-resultados","etiquetas-union-europea","categorias-blog-our-activity"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Balance sheet strengthening in a highly complex economic environment<\/title>\n<meta name=\"description\" content=\"Results presentation for September 2009. 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