• The Spanish Banking Association (AEB), CECA and the National Credit cooperatives Union (Unacc) have gathered this morning to different sectors and institutional representatives to consider the contribution of the banking sector to the economy and the company.
  • They have presented the report “The contribution of the banking sector ”, that condenses the contribution of the banks to the economic growth and the progress of the company, from the financing of families and companies, until the daily operations that provides million citizen and administration transactions.
  • The banking associations also have defended its simplification proposals in six regulatory fields and of monitoring so that the European banking sector can finance better the economy of the European Union.
  • They have reiterated also its commitment with the financial inclusion and education, announcing in this respect the starting up, starting tomorrow, of a campaign of raising awareness with regard to cybersecurity, “In the digital thing, worry equal”, together with ASNEF.
  • The act has had Alejandra Kindelán's share, AEB'S chairwoman; María Abascal, AEB'S Managing Director; Mónica Malo, CECA's general assistant manager; and Cristina Freijanes, general secretary for Unacc, together with the chairmen of the National Association for Large Distribution Companies (ANGED), the Association of Construction Companies and Franchise-holders of infrastructures (SEOPAN) and the Young Farmers' Agricultural Association (ASAJA), as well as the Managing Director of Economic Policy of the Ministry of the Economy, Trade and Company, Javier Muñoz Moldes.

Madrid, 27 November 2025. The Spanish Banking Association (AEB), CECA and the National Credit cooperatives Union (Unacc) have celebrated the act “Simplify to grow. The contribution of the banking sector ”, where they have considered the contribution of the banking sector to the economy and the company, and the importance of moving forward in the simplification of the normative framework to promote the growth and the competitiveness.

In the event, the banking associations have presented general thrusts of the report “The contribution of the banking sector to the economic growth and the progress of the company”, that shows the broad variety of functions of the banking in the financial field and its essential contribution for families, companies and administrations.

The report explains the key role of the banking to reply the financial needs, as the access of 470,000 families to a property or that the Spanish companies have been able to receive 400,000 million euros of financing, which represents an another quarter of the national GDP. The banking financing is agile and accessible, with the lowest interest rates of the Euro area, around 50 below average basis points, so much for credit to property as to SMEs. In addition, the sector directs most of its financing to promote the sustainability and the innovation, with social loans, greens and linked to the sustainability, that they have reached the 160,000 million euros in the last three years.

To operational level, the sector provides thousands of day-to-day runnings of the citizens, from more than 5,000 million direct payments and transfers, to options of immediate payments, with almost 30 millions of users in Bizum and 35 operations for second. A function that is spread also to the collaboration with the Public Administrations, managing more than billion of operations and more than 10,000 millions in tax contributions. In addition, the sector allocates 43 out of 100 generated euros in Spain to the tax payments.

To the essential role of the sector in the projects of families and companies its steady social commitment is summed. On one hand, with the defense of the financial inclusion, maintaining the second densest office network of the Euro area together with a model of banking omniservice channel in which users of digital banking reach already the three another quarters of the total. On the other hand, with the promotion of the financial education, implementing different initiatives that have provided that 3.5 million people have received financial and digital training. In this field, AEB, CECA and Unacc have announced the starting up, starting tomorrow, of a campaign of raising awareness with regard to cybersecurity, “In the digital thing, worry equal”, together with ASNEF.

In addition, another proposal report has been presented in the meeting for the simplification of the normative framework , avoiding duplicities, improving the accountability and the evaluation former-post and adding great proportionality in the regulation.

Alejandra Kindelán, AEB'S chairwoman, has underlined the importance of simplifying the regulation and monitoring so that the banks can spread everything its financing potential to the families and companies, and promote thus the Europe-wide competitiveness. “We live a turning point, full of challenges and, above all, of opportunities that we can not waste. This is the moment of acting and building together the future that we want”

Kindelán has shared these proposals in a dialogue with Matilde García Duarte, chairwoman of the National Association for Large Distribution Companies (ANGED), Julián Núñez, chairman of the Association of infrastructures Construction Companies and Franchise-holders (SEOPAN) and Pedro Barato, chairman of the Agricultural Association of Young Farmers (ASAJA). All of them have shared the importance of promote the regulatory simplification, as a lever of growth and competitiveness.

The act, held in the Space Paths of Madrid, has had the close of the Managing Director of Economic Policy of the Ministry of the Economy, Trade and Company, Javier Muñoz Moldes.