{"id":38538,"date":"2024-04-12T00:00:00","date_gmt":"2024-04-11T22:00:00","guid":{"rendered":"https:\/\/aebanca.es\/actualidad\/notas-de-prensa\/aeb-banks-strengthen-their-profitability-and-efficiency-in-2023\/"},"modified":"2026-04-09T12:35:47","modified_gmt":"2026-04-09T10:35:47","slug":"aeb-banks-strengthen-their-profitability-and-efficiency-in-2023","status":"publish","type":"notas-de-prensa","link":"https:\/\/aebanca.es\/en\/actualidad\/notas-de-prensa\/aeb-banks-strengthen-their-profitability-and-efficiency-in-2023\/","title":{"rendered":"AEB banks strengthen their profitability and efficiency in 2023"},"content":{"rendered":"<ul>\n<li>In a context of moderate global economic growth, ROE rose to 12.6% and efficiency improved to below 45%<\/li>\n<li>With a capital ratio of 12.5% (CET1), banks face the green and digital transformations from a position of strength<\/li>\n<\/ul>\n<p>The banks of the Spanish Banking Association (AEB) are among the most profitable and efficient in the European Union in 2023, enabling them to guarantee their support to families and businesses through financing, and to continue driving economic and social progress with their activities.<\/p>\n<p>In a context of moderate economic growth, a return to normal central bank monetary policy, and persistent geopolitical tensions, the entities achieved a return on equity (ROE) of 12.6%, the result of a commercial business model based on deposit collection and credit granting.<\/p>\n<p>Profitability is the first line of defense for the soundness and sustainability of results and strengthens the banks&#8217; ability to contribute to the welfare state through tax payments, to the economy&#8217;s progress through financing, and to dividend distribution to over 5 million predominantly retail shareholders.<\/p>\n<p>The attributed profit of 23 billion euros (+20.3%) in 2023 is a consequence of improved interest margins and efficiency, alongside increased provisioning efforts.<\/p>\n<p>Loans from AEB entities remained at 1.72 trillion euros (+0.9%) at the end of the year, and deposits stood at 1.79 trillion (+3.3%). In Spain alone, 325 billion euros are allocated to housing access or other family needs, and 251 billion euros finance business projects. Non-performing loans remained at minimum levels of 3.5%.  <\/p>\n<p>With a capital ratio of 12.5% (CET1) at year-end, member entities face society&#8217;s major challenges from a position of strength, accompanying their clients in the energy transition toward a more environmentally friendly economic model and in the digital transformation.<\/p>\n<p>AEB banks are responding to the country&#8217;s challenges, reflected in an improved perception of banking channels among those over 65, reinforcing financial inclusion in rural Spain to reach 93% of municipalities with more than 500 inhabitants that did not have access points in 2021, and increasing renegotiations of mortgage loans affected by the rise in interest rates.<\/p>\n<p>The financial strength of AEB banks, with solvency and liquidity ratios well above regulatory requirements, makes them a strategic ally for fostering growth and competitiveness in Europe and in the rest of the countries where they provide their services, with the capacity to finance the investments that the European Union needs to undertake.<\/p>\n<p><a href=\"https:\/\/aebanca.es\/wp-content\/uploads\/2024\/04\/los-bancos-de-la-aeb-refuerzan-su-rentabilidad-y-eficiencia-en-2023.pdf\">Download the press release<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The banks of the Spanish Banking Association (AEB) are among the most profitable and efficient in the European Union in 2023, enabling them to guarantee their support to families and businesses through financing, and to continue driving economic and social progress with their activities.<\/p>\n","protected":false},"featured_media":38539,"parent":0,"template":"","etiquetas-prensa":[903,904],"class_list":["post-38538","notas-de-prensa","type-notas-de-prensa","status-publish","has-post-thumbnail","hentry","etiquetas-prensa-aeb-results","etiquetas-prensa-banking-sector"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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