The average balance of assets in form of credit in the Spanish banking system was lower in 2023 than in the previous year. The highest total value of lending in the Spanish banking system was registered in 2008, at roughly 2.4 trillion euros. In June 2023, Unicaja was the major Spanish bank with the highest non-performing loan ratio.
Better lending practices
In response to the economic crisis, stricter financial regulations were implemented in EU countries and the household debt in Spain declined to more sustainable levels. These and other factors resulted in healthier performances within the Spanish banking sector and its lending practices, as several indicators demonstrate. The loan-to-deposit ratio (LTD), which measures the liquidity of a bank through the ratio of the funds it has in its deposits to the volume of loans granted to customers, fell from 150 percent in 2011 to roughly 101 percent in 2023. In addition, the non-performing loans (NPL) to total gross loans ratio has also fallen significantly from 2013 to 2022.
The first three categories refer to credit provided to borrowers residing in Spain.
Supplementary notes
Annual figures calculated by Statista as an average of the monthly figures provided by the source.
The source refers to the credit to financial institutions (that is interbank lending) in Spain as credit system. Meanwhile, credit to other sectors refers to credit provided to borrowers in Spain other than the public sector and financial institutions.
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Statista. (April 10, 2024). Average balance of credit assets in the banking system in Spain from 2005 to 2023, by type (in billion euros) [Graph]. In Statista. Retrieved February 07, 2025, from https://www.statista.com/statistics/581815/banking-system-total-lending-spain-europe-eu/?__sso_cookie_checker=failed
Statista. "Average balance of credit assets in the banking system in Spain from 2005 to 2023, by type (in billion euros)." Chart. April 10, 2024. Statista. Accessed February 07, 2025. https://www.statista.com/statistics/581815/banking-system-total-lending-spain-europe-eu/?__sso_cookie_checker=failed
Statista. (2024). Average balance of credit assets in the banking system in Spain from 2005 to 2023, by type (in billion euros). Statista. Statista Inc.. Accessed: February 07, 2025. https://www.statista.com/statistics/581815/banking-system-total-lending-spain-europe-eu/?__sso_cookie_checker=failed
Statista. "Average Balance of Credit Assets in The Banking System in Spain from 2005 to 2023, by Type (in Billion Euros)." Statista, Statista Inc., 10 Apr 2024, https://www.statista.com/statistics/581815/banking-system-total-lending-spain-europe-eu/?__sso_cookie_checker=failed
Statista, Average balance of credit assets in the banking system in Spain from 2005 to 2023, by type (in billion euros) Statista, https://www.statista.com/statistics/581815/banking-system-total-lending-spain-europe-eu/?__sso_cookie_checker=failed (last visited February 07, 2025)
Average balance of credit assets in the banking system in Spain from 2005 to 2023, by type (in billion euros) [Graph], Statista, April 10, 2024. [Online]. Available: https://www.statista.com/statistics/581815/banking-system-total-lending-spain-europe-eu/?__sso_cookie_checker=failed