{"id":38474,"date":"2025-11-27T00:00:00","date_gmt":"2025-11-26T23:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/notas-de-prensa\/banking-sector-calls-for-simpler-regulation-to-boost-its-contribution-to-the-economy\/"},"modified":"2026-04-09T12:35:19","modified_gmt":"2026-04-09T10:35:19","slug":"banking-sector-calls-for-simpler-regulation-to-boost-its-contribution-to-the-economy","status":"publish","type":"notas-de-prensa","link":"https:\/\/aebanca.es\/en\/actualidad\/notas-de-prensa\/banking-sector-calls-for-simpler-regulation-to-boost-its-contribution-to-the-economy\/","title":{"rendered":"Banking sector calls for simpler regulation to boost its contribution to the economy"},"content":{"rendered":"<ul>\n<li>The Spanish Banking Association (AEB), CECA and the National Union of Credit Cooperatives (Unacc) brought together this morning various sectors and institutional representatives to assess the banking sector\u2019s contribution to the economy and society.<\/li>\n<li>They presented the report \u201cThe contribution of the banking sector\u201d, which summarises banks\u2019 contribution to economic growth and social progress, from financing households and businesses to the day-to-day operations that enable millions of transactions by citizens and public administrations.<\/li>\n<li>The banking associations also defended their simplification proposals in six regulatory and supervisory areas so that the European banking sector can better finance the European Union\u2019s economy.<\/li>\n<li>They also reiterated their commitment to financial inclusion and financial education, announcing in this regard the launch, starting tomorrow, of a cybersecurity awareness campaign, \u201cIn the digital world, be just as vigilant\u201d, together with ASNEF.<\/li>\n<li>The event featured Alejandra Kindel\u00e1n, Chair of AEB; Mar\u00eda Abascal, CEO of AEB; M\u00f3nica Malo, Deputy CEO of CECA; and Cristina Freijanes, Secretary General of Unacc, together with the chairs of the National Association of Large Distribution Companies (ANGED), the Association of Construction and Infrastructure Concession Companies (SEOPAN) and the Young Farmers\u2019 Agrarian Association (ASAJA), as well as the Director General for Economic Policy at the Ministry of Economy, Trade and Enterprise, Javier Mu\u00f1oz Moldes.<\/li>\n<\/ul>\n<p>The Spanish Banking Association (AEB), CECA and the National Union of Credit Cooperatives (Unacc) held the event \u201cSimplify to grow. The contribution of the banking sector\u201d, where they assessed the banking sector\u2019s contribution to the economy and society, and the importance of making progress in simplifying the regulatory framework to drive growth and competitiveness. <\/p>\n<p>At the event, the banking associations presented the main lines of the <strong><a href=\"https:\/\/www.aebanca.es\/noticias\/articulos\/la-contribucion-del-sector-bancario-al-crecimiento-economico-y-el-progreso-de-la-sociedad\/\">report<\/a><\/strong> \u201cThe contribution of the banking sector to economic growth and social progress\u201d, which highlights the wide range of functions performed by banking in the financial sphere and its essential contribution to households, businesses and public administrations.<\/p>\n<p>The report sets out the key role of banking in meeting financial needs, such as enabling 470,000 households to access housing and allowing Spanish companies to receive \u20ac400 billion in financing, representing a quarter of national GDP. Bank financing is agile and accessible, with the lowest interest rates in the euro area, around 50 basis points below the average, both for home loans and for SME lending. In addition, the sector channels a large share of its financing towards promoting sustainability and innovation, with social, green and sustainability-linked loans, which have reached \u20ac160 billion over the last three years.  <\/p>\n<p>Operationally, the sector supports thousands of citizens\u2019 day-to-day transactions, from more than 5 billion direct debits and transfers to instant payment options, with almost 30 million Bizum users and 35 transactions per second. This role also extends to collaboration with public administrations, managing more than 1 billion transactions and more than \u20ac10 billion in taxes. In addition, the sector itself allocates 43 out of every 100 euros generated in Spain to the payment of taxes.  <\/p>\n<p>In addition to the sector\u2019s essential role in households\u2019 and businesses\u2019 projects, it also has a firm social commitment. On the one hand, it defends financial inclusion, maintaining the second-densest branch network in the euro area alongside an omnichannel banking model in which digital banking users already account for three quarters of the total. On the other hand, it promotes financial education, launching various initiatives that have enabled 3.5 million people to receive financial and digital training. In this area, AEB, CECA and Unacc announced the launch, starting tomorrow, of a cybersecurity awareness campaign, &#8220;In the digital world, be just as vigilant&#8221;, together with ASNEF.   <\/p>\n<p>In addition, another <a href=\"https:\/\/www.aebanca.es\/noticias\/articulos\/simplificacion-regulatoria-una-prioridad-en-la-agenda-europea\/\"><strong>report<\/strong> <\/a>was presented at the event, setting out proposals to simplify the regulatory framework<a href=\"https:\/\/www.aebanca.es\/noticias\/articulos\/simplificacion-regulatoria-una-prioridad-en-la-agenda-europea\/\">,<\/a> avoiding duplication, improving accountability and ex-post evaluation, and incorporating greater proportionality in regulation.<\/p>\n<p>Alejandra Kindel\u00e1n, Chair of AEB, underscored the importance of simplifying regulation and supervision so that banks can fully deploy their potential to finance households and businesses, thereby boosting competitiveness across Europe. &#8220;We are living through a decisive moment, full of challenges and, above all, opportunities that we cannot afford to miss. Now is the time to act and to build together the future we want.&#8221; <\/p>\n<p>Kindel\u00e1n shared these proposals in a dialogue with Matilde Garc\u00eda Duarte, Chair of the National Association of Large Distribution Companies (ANGED); Juli\u00e1n N\u00fa\u00f1ez, Chair of the Association of Construction and Infrastructure Concession Companies (SEOPAN); and Pedro Barato, Chair of the Young Farmers\u2019 Agrarian Association (ASAJA). All of them highlighted the importance of driving regulatory simplification as a lever for growth and competitiveness. <\/p>\n<p>The event, held at Espacio Caminos in Madrid, concluded with closing remarks by the Director General for Economic Policy at the Ministry of Economy, Trade and Enterprise, Javier Mu\u00f1oz Moldes.<\/p>\n<p><a href=\"https:\/\/aebanca.es\/wp-content\/uploads\/2025\/11\/la-banca-defiende-simplificar-la-normativa-para-impulsar-su-contribucin-a-la-economa.pdf\">Download the press release<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Spanish Banking Association (AEB), CECA and the National Union of Credit Cooperative Societies (Unacc) held the event &#8220;Simplify to grow. The contribution of the banking sector&#8221;, where they assessed the banking sector\u2019s contribution to the economy and society, and the importance of moving forward with simplifying the regulatory framework to drive growth and competitiveness.  At the event, the banking associations presented the main lines of the report &#8220;The contribution of the banking sector to economic growth and the progress of society&#8221;, which highlights the wide range of functions performed by banks in the financial sphere and their essential contribution to households, businesses and public administrations.<\/p>\n","protected":false},"featured_media":38475,"parent":0,"template":"","etiquetas-prensa":[],"class_list":["post-38474","notas-de-prensa","type-notas-de-prensa","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Banking sector calls for simpler regulation to boost its contribution to the economy - Asociaci\u00f3n Espa\u00f1ola de Banca<\/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\/notas-de-prensa\/banking-sector-calls-for-simpler-regulation-to-boost-its-contribution-to-the-economy\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Banking sector calls for simpler regulation to boost its contribution to the economy\" \/>\n<meta property=\"og:description\" content=\"The Spanish Banking Association (AEB), CECA and the National Union of Credit Cooperative Societies (Unacc) held the event &quot;Simplify to grow. The contribution of the banking sector&quot;, where they assessed the banking sector\u2019s contribution to the economy and society, and the importance of moving forward with simplifying the regulatory framework to drive growth and competitiveness. At the event, the banking associations presented the main lines of the report &quot;The contribution of the banking sector to economic growth and the progress of society&quot;, which highlights the wide range of functions performed by banks in the financial sphere and their essential contribution to households, businesses and public administrations.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/aebanca.es\/en\/actualidad\/notas-de-prensa\/banking-sector-calls-for-simpler-regulation-to-boost-its-contribution-to-the-economy\/\" \/>\n<meta property=\"og:site_name\" content=\"Asociaci\u00f3n Espa\u00f1ola de Banca\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-09T10:35:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/aebanca.es\/wp-content\/uploads\/2025\/11\/dsc04576.jpg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/notas-de-prensa\\\/banking-sector-calls-for-simpler-regulation-to-boost-its-contribution-to-the-economy\\\/\",\"url\":\"https:\\\/\\\/aebanca.es\\\/en\\\/actualidad\\\/notas-de-prensa\\\/banking-sector-calls-for-simpler-regulation-to-boost-its-contribution-to-the-economy\\\/\",\"name\":\"Banking sector calls for simpler regulation to boost its contribution to the economy - 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