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Retail Banking in Spain

The Apex Group
August 31, 2006
59 Pages - SKU: ODS1354018

Abstract Table of Contents Search inside this report Related Reports

Countries covered: Spain

The Spanish banking market, whose total assets value was estimated by the European Banking Federation at €1,632 billion in 2004, represents the fifth largest market in Europe after Germany, United Kingdom, France and Italy. In terms of total assets held in European banks, Spain accounts for approximately 5%.

Spanish banking industry grew by 48% during the four years to 2004 (the last year for which comparative data are available), exhibiting the highest growth comparatively to the others European countries.

The key trends affecting the Spanish banking market in the five years to 2005 have been:

A 73% expansion in the total assets value of banking products between 2001 and 2005.
High rates of growth in mortgage credit, driven by the longer maturities offered by banks and by the low interest rates of the Euro zone.
High growth in the supply of credit and debit cards.
Sustained growth in the number of debit card and credit card transactions.
High growth in the number of advertising projects of credit institutions.

Sources of particular importance are publications from Bank of Spain, the Spanish Banking Association, the Spanish Mortgage Association and the European Banking Federation.

Other sources of data include annual reports from banking companies, such as Banco Santander Central Hispano (BSCH), Banco Bilbao Vizcaya Argentaria (BBVA), Banco Popular, Banco Sabadell, Bankinter.

The aim of this report is to present key data relating to these changes, present them in an accessible manner, providing analysis in order to assess the state of the industry and, moving forward, to ascertain the key drivers of change.

Although the report deals exclusively with Spain, its scope is occasionally broadened where insight may be gained from placing the domestic market in a wider international context.

1 Introduction
2 Definition
3 Executive SummAry
4 Market Size: 4.1 Total Value of Banking Products in Spain; 4.2 Total Value of Major Banks; 4.3 Spanish Banks in the European Context
5 Market Sectors: 5.1 Savings; 5.2 Lending
6 Technology
7 Advertising
8 Market Share: 8.1 Share of Total Assets of Major Spanish Banks
9 Market Structure: 9.1 Total Assets & Growth Rates
10 Key players: 10.1 BSCH; 10.2 BBVA; 10.3 Banco Popular; 10.4 Banco Sabadell; 10.5 Bankinter
11 Sources & Definitions: 11.1 References; 11.2 Marketing Contacts
12 For Further Information: 12.1 Related Research & Analysis
LIST OF TABLES: Table 1: Spanish Banking Products Market Size Measured by Total Assets of Spanish; Banks (€ Millions), 2000-2005; Table 2: Major Banks Consolidated Balance Sheet, 2001-2005; Table 3: Total Assets of European Banks, (€ Billions), 2000 and 2004; Table 4: Total lending & Lending per Sector (€ Millions), 2000-2005; Table 5: Residents’ Loans Structure (%), Loans to Industrial Activity, 2000-2005; Table 6: Residents Loans’ Structure (%), Household Loans, 2000-2005; Table 7: Outstanding Mortgage, (€ Millions), 2000-2005; Table 8: Number of Cashless Payment Instruments, (Millions), 2000-2005; Table 9: Use of Cashless Payments: Volume of Transactions, (Millions), 2000-2005; Table 10: Number of Spanish Branches, 2000-2005; Table 11: Number of Spanish Bank Staff, 2000-2005; Table 12: Number of Spanish ATMs, 2000-2005; Table 13: Number of Spanish POSs, 2001-2005; Table 14: Number of Advertising Projects Authorised, 2000-2005; Table 15: Number of Advertising Projects by Type of Medium, 2000-2005.; Table 16: Total Assets of Major Spanish Banks, (€ Millions), 2001-2005.; Table 17: Percentage Share of Total Assets of Major Spanish Banks, 2005.; Table 18: Total Assets & Average Growth Rates of Major Spanish Banks, 2001-2005. 35; Table 19: BSCH Net Consolidated Income, (€ Millions), 2000-2005.; Table 20: BSCH Total Assets, (€ Millions), 2000-2005; Table 21: BSCH Branch Network, 2000-2005.; Table 22: BSCH Staff, 2000-2005; Table 23: BBVA Net Consolidated Income, (€ Millions), 2000-2005; Table 24: BBVA Total Assets, (€ Millions), 2000-2005.; Table 25: Number of BBVA Branches, 2000-2005.; Table 26: BBVA Staff, 2000-2005.; Table 27: BBVA Advertising Expenditure, (€ Millions), 2000-2004; Table 28: Banco Pupolar Net Income, (€ Millions), 2000-2005; Table 29: Banco Popular Total Assets, (€ Millions), 2000-2005.; Table 30: Number of Banco Popular Branches, 2000-2005.; Table 31: Banco Popular Staff, 2000-2005.; Table 32: Banco Popular’s Advertising Expenditure, (€ Millions), 2000-2005.; Table 33: Banco Sabadell Net Consolidated Income, (€ Millions), 2000-2005.; Table 34: Banco Sabadell Total Assets, (€ Millions), 2000-2005; Table 35: Number of Banco Sabadell Branches, 2000-2005; Table 36: Banco Sabadell Staff, 2000-2005.; Table 37: Banco Sabadell Advertising Expenditure, (€ Millions), 2001-2005.; Table 38: Bankinter Net Consolidated Income, (€ Millions), 2000-2005.; Table 39: Bankinter Total Assets, (Million Euros), 2000-2005.; Table 40: Number of Bankinter Branches, 2000-2005; Table 41: Bankinter Staff, 2000-2005
LIST OF FIGURES: Figure 1: Major Banks Consolidated Balance Sheet, 2001-2005; Figure 2: Total Assets of European Banks, (€ Billions), 2000 and 2004; Figure 3: Total Deposits & Value of Currents Accounts, (Millions €), 2000-2005; Figure 4: Total lending & Lending per Sector (€ Millions), 2000-2005; Figure 5: Loans to Industrial Activity, (%), 2000-2005.; Figure 6: Household Loans, (%), 2000-2005; Figure 7: Outstanding Mortgage, (€ Millions), 2000-2005; Figure 8: Number of Cashless Payment Instruments, (Millions), 2000-2005; Figure 9: Use of Cashless Payments: Volume of Transactions, (Millions), 2000-2005; Figure 10: Number of Spanish Branches, 2000-2005; Figure 11: Number of Spanish Staff, 2000-2005; Figure 12: Number of Spanish ATMs, 2000-2005; Figure 13: Number of Spanish POSs, 2001-2005; Figure 14: Number of Advertising Projects Authorised, 2000-2005; Figure 15: Lending and Deposit Transaction Campaigns, 2000.; Figure 16: Lending and Deposit Transaction Campaigns, 2005.; Figure 17: Advertising Projects Authorised by Type of Medium, 2000-2005.; Figure 18: Shares Total Assets of Major Spanish Banks, 2005.; Figure 19: Relative Market Share & Annual Growth of Major Banks, 2001-2005.; Figure 20: BSCH Net Consolidated Income, (€ Millions), 2000-2005.; Figure 21: BSCH Total Assets, (€ Millions), 2000-2005; Figure 22: BSCH Branch Network, 2000-2005.; Figure 23: BSCH Staff, 2000-2005.; Figure 24: BSCH Advertising Expenditure, (€ Millions), 2000-2005.; Figure 25: BBVA Net Consolidated Income, (€ Millions), 2000-2005.; Figure 26: BBVA Total Assets, (€ Millions), 2000-2005.; Figure 27: BBVA Branches, 2000-2005.; Figure 28: BBVA Staff, 2000-2005; Figure 29: BBVA Advertising Expenditure, (€ Millions), 2000-2004; Figure 30: Banco Pupolar Net Income, (€ Millions), 2000-2005.; Figure 31: Banco Popular Total Assets, (€ Millions), 2000-2005.; Figure 32: Number of Banco Popular Branches, 2000-2005.; Figure 33: Banco Popular Staff, 2000-2005; Figure 34: Banco Popular’s Advertising Expenditure, (€ Millions), 2000-2005.; Figure 35: Banco Sabadell Net Consolidated Income, (€ Millions), 2000-2005.; Figure 36: Banco Sabadell Total Assets, (€ Millions), 2000-2005.; Figure 37: Number of Banco Sabadell Branches, 2000-2005; Figure 38: Banco Sabadell Staff, 2000-2005.; Figure 39: Banco Sabadell Advertising Expenditure, (€ Millions), 2001-2005.; Figure 40: Bankinter Net Consolidated Income, (€ Millions), 2000-2005.; Figure 41: Bankinter Total Assets, (€ Millions), 2000-2005.; Figure 42: Number of Bankinter Branches, 2000-2005; Figure 43: Bankinter Staff, 2000-2005.

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