Retail Banking in Spain


August 31, 2006
59 Pages - SKU: ODS1354018
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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
5.1.1 Deposits
5.2 Lending
5.2.1 Mortgage Lending
5.2.2 Credit card
5.2.3 Delivery of services
5.2.4 Branch Networks
5.2.5 Staff Numbers

6 Technology
6.1.1 ATMs & POSs

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
10.1.1 Net Income
10.1.2 Total Assets
10.1.3 Number of Branches
10.1.4 BSCH Staff
10.1.5 Advertising
10.1.6 Outlook
10.2 BBVA
10.2.1 Net Income
10.2.2 Total Assets
10.2.3 Number of Branches
10.2.4 BBVA Staff
10.2.5 Advertising
10.2.6 Outlook
10.3 Banco Popular
10.3.1 Net Income
10.3.2 Total Assets
10.3.3 Number of Branches
10.3.4 Banco Popular Staff
10.3.5 Advertising
10.3.6 Outlook
10.4 Banco Sabadell
10.4.1 Net Income
10.4.2 Total Assets
10.4.3 Number of Branches
10.4.4 Banco Sabadell Staff
10.4.5 Advertising
10.4.6 Outlook
10.5 Bankinter
10.5.1 Net Income
10.5.2 Total Assets
10.5.3 Number of Branches
10.5.4 Bankinter Staff
10.5.5 Outlook

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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