{"id":37352,"date":"2023-01-30T00:00:00","date_gmt":"2023-01-29T23:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/te-interesa\/entrevistas\/interview-with-jose-luis-martinez-aeb-spokesperson\/"},"modified":"2026-04-16T11:11:06","modified_gmt":"2026-04-16T09:11:06","slug":"interview-with-jose-luis-martinez-aeb-spokesperson","status":"publish","type":"entrevistas","link":"https:\/\/aebanca.es\/en\/actualidad\/te-interesa\/entrevistas\/interview-with-jose-luis-martinez-aeb-spokesperson\/","title":{"rendered":"Interview with Jos\u00e9 Luis Mart\u00ednez, AEB Spokesperson"},"content":{"rendered":"

What is your assessment of the current economic situation? Do you expect 2023 to be better, worse, or will we see more of the same regarding inflation and high prices? <\/strong><\/p>\n

The year has been dominated by war and inflation, both of which condition our short-term future, especially in the case of inflation. It is undoubtedly our main enemy; it impoverishes us, generates uncertainty, hinders business investment, and negatively affects household outlooks. While it is difficult to be optimistic in this scenario, we must trust that the measures being adopted by the European Central Bank to lower inflation will succeed, but the factor that would completely change this situation is the end of the war. <\/p>\n

It is worth noting that, according to the European Central Bank’s economic and inflation forecasts for the next three years, Europe would avoid a recession in 2023, with inflation trending downwards, albeit too slowly. Growth would resume in 2024 and accelerate in 2025, with inflation finally near the 2.0% target level in that final year; therefore, the coming year 2023 will continue to be marked by great complexity. <\/p>\n

<\/strong>What is your opinion on the tax that the Government has imposed on the banking and energy sectors? <\/strong><\/p>\n

Since the President of the Government announced the creation of a new tax on banks on July 12, there has been a succession of statements and analyses from the academic, legal, and regulatory worlds, as well as various technical studies published that demonstrate the error of this decision. Specifically, the opinion of the European Central Bank was very clarifying, focusing the main risks of the new tax on the following aspects: the possibility of reducing the sector’s capacity to continue supporting the economy and financial stability itself, and its role as a transmitter of monetary policy at a crucial moment in the fight against inflation. <\/p>\n

The study conducted by the Institute of Economic Studies (IEE) regarding the new levy’s lack of compliance with the Constitution and Community Law has also been very relevant. If we add to all the above the estimates of the impact on GDP and employment prepared by the banking sector, it is possible to conclude that it is an inadequate measure that does not benefit the economy as a whole. <\/p>\n

Banks constitute a sector that is always ready to help; it plays a key role in driving growth and, as is well known, they contribute a substantial part of the business they generate to the public coffers in the form of taxes. They are fiscally supportive. Therefore, neither the timing nor the fundamentals justify a new tax. <\/p>\n

Do you consider it justified in the current economic and social context? Do you believe it could have been done differently? What negative effects could it generate for customers? <\/strong><\/p>\n

Providing certainty to banks and other companies in the country is essential in a context where war and inflation obscure the view of the future. For this reason, the creation of specific taxes for particular sectors generates an insecurity that goes beyond the affected sector. This is especially true when they deviate from international norms, under circumstances where attracting investment is essential to continue creating wealth. The best way to collect more taxes is for the economy to grow. And banks are fundamental to driving that growth. <\/p>\n

Furthermore, it is appropriate to remember that the priority for banks is their customers, providing them with the financing they need under the best possible conditions. This means offering them financial services effectively and efficiently, adapting to changing customer habits and the environment. All of this occurs in a context of high competition, such as that which exists in Spain. <\/p>\n

The digitalization of banking in recent years has been spectacular. What future awaits financial institutions in Spain? And in the rest of the world, in general? Do you think the current concept of a bank will change significantly? <\/strong><\/p>\n

We are leaders in Europe in the digital transformation of financial service offerings, without this meaning we neglect those customers who prefer in-person service. We have recently demonstrated this with the rapid response we provided to the elderly and with the roadmap for financial inclusion in rural Spain. <\/p>\n

Adaptation and innovation are the primary characteristics of banks. For example, the development and application of models based on data management and artificial intelligence are already fundamental elements today for improving financial services, making them more efficient and tailored to customer needs. In this process, transaction security and information privacy are also being reinforced, which are relevant issues in the relationship of trust between the bank and its customers. <\/p>\n

Regarding the future of banks, the goal remains the continuous improvement of service to their customers. Statistics tell us that they compete well in a financial ecosystem that is increasingly open to new non-bank operators. <\/p>\n

Will physical money really disappear one day and be replaced by digital currency? What is your opinion on cryptocurrencies? In the beginning, many people saw them as the currency of the future, but now it seems they will remain merely another investment vehicle. <\/strong><\/p>\n

At the AEB, we do not expect cash to disappear, although the final decision lies with society. User experience is key; we have seen this with the exponential growth in the use of the instant payment application Bizum. <\/p>\n

Regarding the current crypto-asset market, it must be viewed from the perspective of a wide range of assets of different types and with different risks, and related service providers that, for the most part, are not subject to a regulatory and supervisory framework. Therefore, today, the risks of operating in the crypto-asset market are high because, in addition to investment risks due to the volatility of many of them, we must add the existence of fraud or losses caused by the poor management of some of its operators. <\/p>\n

The market has a future to the extent that some of its risks are mitigated through adequate regulation and market supervision. The future European MiCA (Markets in Crypto-Assets Act) regulation will help provide greater security to investors in these assets by creating a specific and harmonized framework for the entire EU. This ranges from transparency obligations for crypto-asset issuers to the authorization and supervision regime for related service providers (custody, trading platforms, advice, portfolio management, etc.) with uniform transparency and disclosure requirements, consumer protection rules, and measures to prevent money laundering and market abuse. <\/p>\n

In your opinion, what challenges does banking face today? What are its shortcomings? And conversely, what are its greatest virtues? <\/strong><\/p>\n

The main challenge facing banking is the need for both economic and regulatory certainty; this is essential for a sector that provides medium- and long-term financing to families and businesses and competes in an international environment against other banks and technological operators.<\/p>\n

In its latest report, the European Systemic Risk Board called on authorities to preserve and strengthen the resilience of the financial sector so that it can continue to support the real economy in an environment of increasing risks to financial stability. Notable among these are economic weakness and financial market instability, partly derived from the return to normal interest rates in a context where public debt is reaching historically high levels. <\/p>\n

The main virtue of banks is their experience in risk management, making the best of every situation for the customer. Banks have also developed high capacities to anticipate changes in customer habits, leading to constant and intense innovation. <\/p>\n

How does the interest rate hike announced by the European Central Bank affect individuals and companies? In general, as a spokesperson for Spanish banking, what is your opinion of this measure? Do we expect more rate hikes? <\/strong><\/p>\n

<\/strong>The continuous rise in prices has become the main global problem due to the risk of entering a vicious circle of higher inflation and lower growth. This is the scenario we face, which is much more complex than the impact of the interest rate hike itself. <\/p>\n

Inflation originates from a supply problem, and it is difficult to combat a supply shock with demand measures. Central banks are immersed in a process of monetary normalization following conditions that remained too loose for too long and are now counterproductive in the current inflationary situation. Fiscal policy can cushion the damage of inflation in the short term but cannot prevent it. In economic policy, the only remaining option is to study structural reforms and adjustments. However, these are measures that require broad political and social consensus, and their effects will be felt in the medium and long term. <\/p>\n

In this sense, the Recovery, Transformation, and Resilience Plan financed by Next Generation funds can help us combat it. A robust financial sector will undoubtedly be essential to finance growth during difficult times. <\/p>\n

Just three large banking groups in Spain already account for more than 60% of the financial market following a wave of mergers that lasted approximately a decade. What does this trend toward banking concentration entail? What benefits does it represent for the sector? Will this trend continue in the future, or do you think it has already stabilized? And conversely, what negative consequences do you think this phenomenon might bring? <\/strong><\/p>\n

The restructuring of the financial sector over the last decade has been a determining factor in the closure of branches and the reduction of staff 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, as well as by a monetary policy of negative interest rates that has impacted entities’ margins. It is precisely to better face the post-pandemic period and continue supporting families and businesses in difficult times like the present that banks need to strengthen themselves by adjusting their structures. <\/p>\n

The banking of the future is visible in the present. Agile, effective, efficient, and solvent banks in a highly competitive environment like the one in Spain. But the guarantee of that future is to continue improving efficiency. <\/p>\n

Forecasts point to a significant rise in the Euribor for 2023, which implies that mortgage payments will be more expensive and many households may be unable to meet their payments in an environment of high inflation and price crises. Do you have a forecast for what the delinquency ratio will be in the coming months? <\/strong><\/p>\n

Spanish banks are trying to anticipate the future evolution of delinquency in an environment of high economic uncertainty like the current one. At the same time, they maintain a strategy of continuous reinforcement and efficiency improvement. <\/p>\n

Our entities have carried out significant provisions and write-offs in recent years, more so than at the European level, to anticipate the foreseeable increase in delinquency.<\/p>\n

But the relevant point is that banks are committing all their financial and human resources to the productive economy and trying to lessen the impact on the most vulnerable of the interest rate hike decided by the European Central Bank.<\/p>\n

In the last year, there have also been many complaints regarding the increasingly sparse offering of ATMs, especially in rural areas. Does Spanish banking have any plan to remedy this? <\/strong><\/p>\n

In February, the banking associations AEB and Ceca signed the strategic protocol to reinforce the social and sustainable commitment of banking.<\/p>\n

Based on the Protocol, the Financial Inclusion Observatory was created with the aim of gathering the commitments made and the solutions proposed by the banking sector to guarantee access to banking financial services for the entire Spanish population, with special attention to rural areas and vulnerable groups, in a country with extensive coverage.<\/p>\n

In Spain, 98% of adults have a bank account, according to the World Bank, and 98.6% reside in a municipality with access to banking services, according to the IVIE Report on Financial Inclusion in Spain. The sector’s goal is to raise financial inclusion to 100% of the population. <\/p>\n

At what point do you think the relationship between society and banking stands? And what would you say is the state of Spanish business with banking? <\/strong><\/p>\n

Banks want to go beyond citizens considering them essential for growth. When the pulse of customer opinion is taken, they highlight their strength and solvency, their technological capacity to provide solutions, and the quality of the services provided. <\/p>\n

Banks are a part of society and, as such, they prioritize the social impact of their decisions; obviously, they share all types of situations with their customers, both favorable and adverse. This was evident during COVID, when it was one of the sectors that remained open during the worst of the pandemic, while at the same time, thanks to its technological development, it was possible for everything in the economy to function precisely. <\/p>\n

This willingness to cooperate has been seen again in the measures taken to prevent a future negative impact on the most vulnerable families in the face of rising interest rates.<\/p>\n

It is also evident in the response to the demand from a segment of the elderly for in-person service at branches and when solutions are found to provide an access point for those living in rural Spain.<\/p>\n

Interview conducted by Sara Mart\u00ed.<\/strong><\/p>\n

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

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