Retail Banking Market Dynamics: Spain 2018

The Spanish retail mortgage and personal loan markets contracted during 2013-17, but are expected to recover over the next five years. Conversely, the credit card loans market – which reported a robust performance during 2013-17 – is expected to decelerate in the next five years. The average net interest margin for Spain was lower than France and Italy during 2013-17. The cost/income ratio also remained lower in Spain.

This report identifies macroeconomic and competitive dynamics that impact upon the Spanish retail banking market. It provides insight into –

– The outlook for deposits, credit cards, personal loans, and mortgages.

– Net changes in market share across all four product areas.

– Overall financial performance including profitability, efficiency, and income sources.


– Among the top banks in the Spanish retail deposits market, Santander increased its market share the highest in 2017.

– Credit card balances are expected to record a compound annual growth rate of 2.0% over 2018-22.

– Mortgage balances are expected to record a compound annual growth rate of 1.2% over 2018-22.

Reasons to buy

– Identify factors affecting growth prospects across the deposit, credit card, personal loan, and mortgage markets.

– Track competitor gains and losses in market share.

– Assess the financial performance of competitors.

Companies mentioned





Banco Sabadell





Banco Popular

Table of Contents

Table of Contents

Macroeconomic Overview

Retail Deposits

Credit Cards

Personal Loans


Financial Ratios Market Average

Competitor Financial Performance


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