Business Management

In today been published by the Bank of Spain, the delinquency rate measures of credit extended to households and companies resident in Spain.

July October, this indicator again showed an increase and stood at 5.66%. Thus, the default rate of banks, savings banks, credit cooperatives and Spanish establishments maintained higher levels of the last fifteen years.

Since September 2009, the delinquency rate has begun to show increases, giving us only three breaths during this year, in March, June and September septiembre.En fell to 5.49% in June , fell to 5.34% from 5.49% in May, and March, fell to 5.33% from 5.40% in February.

The total volume of bad loans, counting those awarded by four types of entities amounted to 103.685 million euros, representing an increase of 2.422 million euros compared to September.

By types of institutions, savings banks, with a default of 5.49% this month have fallen behind that recorded by the banks, who have declared a default of 5.80%.

Credit unions or rural banks, reached 4.45%, while the Credit Institutions (EFC), charters who are worse off in the ranking, registering a default rate of 10.20%. These values are almost double, the ratios of other entities.

As for the forecasts are not only experts and official bodies but also their own banks and savings banks estimate that the financial system delinquencies continue to rise in coming months, however, this increase will occur at a slower rate than the current because its growth rate has slowed.

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