{"id":44618,"date":"2023-05-22T11:15:00","date_gmt":"2023-05-22T09:15:00","guid":{"rendered":"https:\/\/www.11onze.cat\/?p=44618"},"modified":"2023-05-22T11:06:34","modified_gmt":"2023-05-22T09:06:34","slug":"banca-gana-mas-sus-clientes-menos","status":"publish","type":"post","link":"https:\/\/www.11onze.cat\/es\/magazine\/banca-gana-mas-sus-clientes-menos\/","title":{"rendered":"La banca gana m\u00e1s, pero sus clientes menos"},"content":{"rendered":"<div class=\"component text\">\n  <div class=\"container\">\n\n\n    <div class=\"row\">\n      <div class=\"col  col-lg-8  offset-lg-2\">\n        <h3><b>A pesar de que el BCE ha continuado subiendo los tipos de inter\u00e9s, la banca espa\u00f1ola ha mantenido la remuneraci\u00f3n media de los nuevos dep\u00f3sitos lejos de los tipos ofrecidos por otros pa\u00edses europeos, aprovech\u00e1ndose del alza para ganar m\u00e1s dinero de sus clientes.<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">El sector bancario del Estado espa\u00f1ol se ha mostrado como uno de los m\u00e1s lentos de toda la Uni\u00f3n Europea en reflejar la subida de los tipos de inter\u00e9s del Banco Central Europeo con una mejor rentabilidad de los dep\u00f3sitos. De hecho, seg\u00fan <\/span><a href=\"https:\/\/www.ecb.europa.eu\/press\/pr\/stats\/mfi\/html\/ecb.mir2301~62eabbd5c7.en.html\"><span style=\"font-weight: 400;\">datos<\/span><\/a><span style=\"font-weight: 400;\"> publicados por el BCE, <\/span><b>los bancos de Espa\u00f1a y Chipre fueron los \u00fanicos de la eurozona que empezaron el a\u00f1o reduciendo la remuneraci\u00f3n que pagan por los dep\u00f3sitos<\/b><span style=\"font-weight: 400;\"> a sus clientes particulares.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">La banca espa\u00f1ola pasaba de una remuneraci\u00f3n del 0,64% el diciembre del 2022 a un 0,59% en enero de este a\u00f1o, mientras que en el conjunto de la eurozona los bancos sub\u00edan los tipos de los nuevos dep\u00f3sitos hasta una media de un 1,65%. Esto ocurr\u00eda al mismo tiempo que <\/span><b>la diferencia de intereses entre las hipotecas y los dep\u00f3sitos aumentaba en 0,66 puntos desde el 2019<\/b><span style=\"font-weight: 400;\">, gracias al hecho que los bancos han encarecido el cr\u00e9dito mucho m\u00e1s r\u00e1pido que la remuneraci\u00f3n de los dep\u00f3sitos.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Todo esto ha pasado en un contexto donde la gran banca &#8211; CaixaBank, Banco Santander, BBVA, Banco Sabadell, Bankinter y Unicaja &#8211; <\/span><b>ha ganado 5.696 millones, un 14% m\u00e1s, en el primer trimestre del a\u00f1o<\/b><span style=\"font-weight: 400;\"> en comparaci\u00f3n con el periodo anterior, todo y el nuevo impuesto a la banca. El consejero delegado de CaixaBank, Gonzalo Gort\u00e1zar, argumentaba que, \u201cno hay un beneficio extraordinario\u201d y que se trataba de un resultado \u201cmodesto\u201d, a pesar de que el sector financiero reconoce que las alzas de los tipos de inter\u00e9s han jugado un papel significativo.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h3><b>Una justificaci\u00f3n que hace agua<\/b><\/h3>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Los bancos se justifican argumentando que, todo y las subidas de tipos por parte del BCE, <\/span><b>no est\u00e1n pagando m\u00e1s intereses por los dep\u00f3sitos porque tienen mucha liquidez<\/b><span style=\"font-weight: 400;\">. Y es verdad que muchas de estas entidades financieras disfrutan de una amplia liquidez gracias a las compras de bonos e inyecciones de capital a largo plazo a causa de las expansivas pol\u00edticas monetarias de los gobiernos, motivo por el cual, ya no dependen de los depositantes para financiar su negocio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Esta explicaci\u00f3n, pero, parece poco fundamentada cuando tenemos en cuenta que <\/span><b>los bancos italianos son los que tienen m\u00e1s liquidez de Europa<\/b><span style=\"font-weight: 400;\"> &#8211; muy por encima de los espa\u00f1oles &#8211; y, aun as\u00ed, pagan m\u00e1s por los dep\u00f3sitos, en algunos casos hasta un 5% de inter\u00e9s. Adem\u00e1s, bancos espa\u00f1oles instalados en Italia, s\u00ed que ofrecen una mejor rentabilidad por el dinero de sus clientes de la que ofrecen en Espa\u00f1a.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ante esta situaci\u00f3n de indiferencia del sector financiero hacia los intereses de sus clientes, no es de extra\u00f1ar que, aunque la banca espa\u00f1ola ha empezado a mejorar puntualmente la remuneraci\u00f3n del ahorro, durante los dos primeros meses del a\u00f1o las familias espa\u00f1olas <\/span><b>retirasen 18.000 millones de euros en dep\u00f3sitos de los bancos espa\u00f1oles buscando una mejor rentabilidad <\/b><span style=\"font-weight: 400;\">por su dinero.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><b>Financia las demandas contra los bancos. Haz justicia y consigue rendimientos por tus ahorros por encima de la inflaci\u00f3n gracias a las indemnizaciones que tendr\u00e1n que pagar los bancos. Toda la informaci\u00f3n sobre el Financia Litigios la encontrar\u00e1s en 11Onze <\/b><a href=\"https:\/\/www.11onze.cat\/es\/finanza-litigios\/\"><b>Recomienda<\/b><\/a><b>.<\/b><\/p>\n\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n<div class=\"component cards\">\n  <div class=\"container\">\n    <div class=\"row\">\n      <div class=\"col col-xl-8 offset-xl-2\">\n        <div class=\"cards__wrapper\">\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/fuga-depositos-banca-espanola\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2023\/04\/THUMBNAIL_DIPOSITS_FAMILIA-800x469.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Econom\u00eda<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Fuga de dep\u00f3sitos de la banca espa\u00f1ola<\/strong><\/p>\n              <span class=\"card-time\">4min lectura<\/span>\n              <p class=\"card-text small\">En los primeros dos meses del a\u00f1o, las familias retiraron 18.000&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/depositos-bancarios-no-compensan-inflacion\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2023\/05\/THUMBNAIL_DIPOSIT_LIGITIS-800x511.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Finanzas<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Los dep\u00f3sitos bancarios no compensan la inflaci\u00f3n<\/strong><\/p>\n              <span class=\"card-time\">2min lectura<\/span>\n              <p class=\"card-text small\">La t\u00edmida reacci\u00f3n de la banca espa\u00f1ola en reflejar&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n\n          <div class=\"card\">\n            <a href=\"https:\/\/www.11onze.cat\/es\/magazine\/financia-litigios-altos-rendimentos-justicia-social\/\" class=\"card-link\" target=\"_self\"><\/a>\n            <div class=\"card-img\">\n              <img decoding=\"async\" src=\"https:\/\/www.11onze.cat\/wp-content\/uploads\/2023\/04\/THUMBNAIL_LITIGIS_ARTICLE-800x533.jpg\" class=\"card-img-top\" alt=\"\">\n                <span class=\"card-category\">Econom\u00eda<\/span>\n            <\/div>\n            <div class=\"card-body\">\n              <p class=\"card-title p2\"><strong>Financia Litigios: rendimientos y justicia social<\/strong><\/p>\n              <span class=\"card-time\">3min lectura<\/span>\n              <p class=\"card-text small\">Financia Litigios, que 11Onze Recomienda, se simplifica&#8230;<\/p>\n            <\/div>\n          <\/div>\n\n              <\/div>\n              <br>\n              <br>\n              <div class=\"cards__wrapper\">\n\n        <\/div>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"","protected":false},"author":71,"featured_media":44613,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[28],"tags":[174],"class_list":["post-44618","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sin-categorizar","tag-economia-es"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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