{"id":33567,"date":"2025-01-15T19:54:50","date_gmt":"2025-01-15T19:54:50","guid":{"rendered":"https:\/\/casinodatacenter.ru\/?p=33567"},"modified":"2025-01-15T20:19:38","modified_gmt":"2025-01-15T20:19:38","slug":"la-alta-liquidez-retrasa-el-pago-de-los-depositos-en-caixabank-y-unicaja","status":"publish","type":"post","link":"https:\/\/casinodatacenter.ru\/?p=33567","title":{"rendered":"La Alta Liquidez Retrasa el Pago De los Dep\u00f3sitos en CaixaBank Y Unicaja"},"content":{"rendered":"
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El fin de la financiaci\u00f3n gratis del Banco Central Europeo (BCE) a las entidades del Viejo Continente apenas ha rebajado sus cifras de liquidez. Con los balances todav\u00eda cargados, la retribuci\u00f3n del pasivo, que se esperaba m\u00e1s r\u00e1pida y elevada de lo que realmente fue, no tiene alicientes. As\u00ed, y siguiendo con el tipo de negocio de cada entidad, Unicaja y CaixaBank son las que tienen un coste de los dep\u00f3sitos m\u00e1s bajo como consecuencia de su elevada liquidez. El grueso de los dep\u00f3sitos minoristas siguen sin pagarse en su mayor parte y los corporativos han empezado a tocar techo. Las expectativas cambiaron en el momento en que el mercado comenz\u00f3 a vislumbrar una bajada de los tipos de inter\u00e9s que, de acuerdo con las perspectivas actuales, comenzar\u00e1 este mismo verano. As\u00ed, las cifras muestran que estos costes siguen estando entre los m\u00e1s bajos de Europa -al igual que el coste del activo, es decir, de los pr\u00e9stamos, tambi\u00e9n se encuentra en estos m\u00e1rgenes-.<\/p>\n

En este sentido, los altos niveles de liquidez de los que gozan se han mantenido s\u00f3lidos e incluso han mejorado tras las preocupaciones que surgieron a principios de 2023 como consecuencia del colapso de SVB (Silicon Valley Bank) y Credit Suisse. As\u00ed, la ratio pr\u00e9stamos-dep\u00f3sitos (LTD) se mantiene en niveles muy bajos y, como se puede ver en el gr\u00e1fico, est\u00e1 en casi todos los casos por debajo del 100%. A este movimiento no solo ha contribuido la existencia de dep\u00f3sitos, tambi\u00e9n ha sido importante el desapalancamiento de los \u00faltimos tiempos. Adem\u00e1s, el paso de los dep\u00f3sitos a la vista a los dep\u00f3sitos a plazo tambi\u00e9n ha sido m\u00e1s lento de lo previsto, lo que ha retrasado el impacto de los tipos. En diciembre de 2023, los dep\u00f3sitos a plazo solo representaban el 15% del total, frente al 8% de un a\u00f1o antes y est\u00e1n todav\u00eda muy lejos de lo esperado. Hay que tener en cuenta que en su punto \u00e1lgido (2013-2014), los dep\u00f3sitos a plazo representaban el 55% del total de dep\u00f3sitos.<\/p>\n

Como se puede ver en el gr\u00e1fico adjunto, aquellas entidades que cuentan con m\u00e1s pasivo corporativo -entre las que destaca, por ejemplo, Bankinter- son las que tienen un mayor coste de los dep\u00f3sitos. As\u00ed, otras con un peso relevante de administraciones p\u00fablicas, grandes empresas y clientes de gesti\u00f3n de patrimonios, como tambi\u00e9n son Banco Santander o Sabadell, se quedan en el entorno del 1%. El crecimiento de estas \u00faltimas ha sido m\u00e1s escalonado que en el caso de la entidad naranja como consecuencia de su base de dep\u00f3sitos. Por su parte, las que tienen un menor coste de los dep\u00f3sitos son CaixaBank y Unicaja. La catalana tiene un LCR (ratio de liquidez a corto plazo) del 215%, acompa\u00f1ado de un loan to deposits (cr\u00e9ditos sobre dep\u00f3sitos)del 86%. Con esta amplia liquidez, la presi\u00f3n por pagar a sus clientes por los dep\u00f3sitos se contiene, lo que le coloca como la pen\u00faltima de las grandes entidades en este coste. A la cola en coste de los dep\u00f3sitos se encuentra, seg\u00fan los datos de DB, Unicaja, con poco m\u00e1s de un 0,5%. En el lado de la liquidez, la antigua caja malague\u00f1a tiene un LCR superior al 308%, es decir, podr\u00eda cubrir m\u00e1s de tres veces las obligaciones de pago a corto plazo con activos l\u00edquidos. En el lado del LTD, la entidad tambi\u00e9n destaca con un porcentaje del 74%, el m\u00e1s bajo entre la gran banca que opera en Espa\u00f1a.<\/p>\n

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El fin de la financiaci\u00f3n gratis del Banco Central Europeo (BCE) a las entidades del Viejo Continente apenas ha rebajado sus cifras de liquidez. Con los balances todav\u00eda cargados, la retribuci\u00f3n del pasivo, que se esperaba m\u00e1s r\u00e1pida y elevada de lo que realmente fue, no tiene alicientes. As\u00ed, y siguiendo con el tipo de …<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[103],"tags":[],"class_list":{"0":"post-33567","1":"post","2":"type-post","3":"status-publish","4":"format-standard","6":"category-mx","7":"anons"},"yoast_head":"\nLa Alta Liquidez Retrasa el Pago De los Dep\u00f3sitos en CaixaBank Y Unicaja - datacenter<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"ru_RU\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La Alta Liquidez Retrasa el Pago De los Dep\u00f3sitos en CaixaBank Y Unicaja\" \/>\n<meta property=\"og:description\" content=\"El fin de la financiaci\u00f3n gratis del Banco Central Europeo (BCE) a las entidades del Viejo Continente apenas ha rebajado sus cifras de liquidez. 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