Go to contents
Search
EN
ES
About us
Mission and strategy
Tasks
Strategic Plan
Strategic Plan 2030
Strategic Plan 2024
History
Organisation
Governance
The Governor
The Deputy Governor
The Governing Council
The Executive Commission
Organisational structure
DG Financial Conduct and Banknotes
DG Economics
DG Financial Stability, Regulation and Resolution
DG Operations, Markets and Payment Systems
DG Institutional and European Relations and Transparency
DG Strategy, People and Data
DG Banking Supervision
General Secretariat
Headquarters and branch offices
Transparency Portal
Institutional and planning information
Calendars of the Governor, Deputy Governor and the Member of the Supervisory Board of the Single Supervisory Mechanism of the European Central Bank
Codes of Conduct
Organisational structure
Functions
Legal framework
Plans and programmes
Evaluation programme of the Council for Transparency and Good Governance
Records of data processing activities
Institutional social responsibility
Financial information
Cultural and social welfare work
Properties and vehicles owned by the Bank
Incompatibilities of public employees
Procurement
Agreements signed by Banco de España
Annual accounts
Management assignment and Concession contracts
Budget management
Historical and artistic heritage
Remuneration of members of the governing bodies and senior management
Official information and publications
Regulations
Documents from international organisations
Documents open to public consultation
Reports, technical applications and guidelines
Access to public information
Requests for public information
Figures on public access requests
Refused access
FAQs
FAQs about the Banco de España
FAQs about transparency
Careers
Open vacancies
Closed vacancies
Grants, research studies and funding
Our recruitment processes
Working at a central bank
International cooperation
Deputy Governor’s message
Overview
Activities
II West Balkans Programme
Africa Programme
European activity
Eurosystem-ESCB
Organisation
History
Single Supervisory Mechanism
Independent Evaluation Office
Evaluations
Completed
In progress
Planned
Annual Evaluation Plans
Terms of reference
About the OIE
Background
Team
Activities
Analysis and research
Context and priorities
Research staff
Researchers in alphabetical order
Visiting Scholars
Featured research
Research Update
Research Features
Publications
Latest academic publications
Economic Bulletin
Working Papers
Occasional Papers
Economic History Studies
Financial Stability Review
Banco de España Blog
Databases and other resources
Events
Conferences
Research seminars
Agenda
Focus on Latin America
Macroeconomic projections for the Spanish economy
Banknotes and coins
Euro banknotes
Euro coins
Anti-counterfeiting
The role of cash
The Eurosystem cash strategy
Cashback and cash-in-shop
Environmental sustainability
Studies and publications on cash
Study on cash use habits
Other Banco de España studies and publications
ECB studies and publications
Central Balance Sheet Data Office
Contributing companies
What is the Central Balance Sheet Data Office?
Which companies can contribute?
What does contributing involve?
What are the benefits of contributing?
Application files for the questionnaire
PDF questionnaires
Comparative study with the sector
Database and applications
Sectoral aggregates application
Public databases - Information on sectors
The BACH database
"Compara tu empresa” application
Other international databases
Reports and statistical products
National reports
International reports
Product catalogue
Collaboration with other institutions
European Committee of Central Balance Sheet Data Offices
Registries in Spain
Conduct
Supervision and regulation of conduct
Supervision of conduct
Regulation of conduct and banking transparency
International conduct-related activity
Complaints and enquiries
History of the Complaints Service
Scope of the function
Providing information and services to the public
Bank customer enquiries
Information of interest
Economic and financial education
Workshops, seminars and visits
"
hazQTRente: conoce tus finanzas, decide tu futuro
" workshops
“
Conoce el Banco de España
” workshops
“
BE Educa
” seminars
“
Conozca el euro
” course
Competitions
Generation €uro Students’ Award
School Financial Education Competition
Financial education events
Financial Education Day
Global Money Week
Educational resources
Economic education programme
Financial services: detective Sara Gómez
Banking products: the financial universe
Personal finance: Tipi and finance
Videos on banknotes and coins
Educational material on cash
Bank Customer Portal
Are you familiar with the Banco de España?
Committed to financial education
Financial education in Spain
Financial education worldwide
Measuring financial education
Studies and research
Financial stability and macroprudential policy
Key publications
Financial Stability Report
Financial Stability Review
Macroprudential tools
Countercyclical capital buffer (CCyB)
Systemically important institutions
Reciprocity of measures in other countries
Limits and conditions on lending
Sectoral CCyB and concentration limits
Macroprudential stress tests
Coordination with other authorities
Spanish macroprudential authority (AMCESFI)
European Central Bank (ECB)
European Systemic Risk Board (ESRB)
European Banking Authority (EBA)
Global Committees
Macroprudential regulations
Spanish legislation
ESRB Recommendations and warnings
EBA Guidelines
Financial regulation
Financial Legislation Database
Advanced search
Analytical database index (only in Spanish)
Chronological database index (only in Spanish)
Banco de España circulars
Analytical index (only in Spanish)
Chronological index (only in Spanish)
Financial regulation by subject
Spanish financial regulation in English
Monetary policy
FAQs about monetary policy
Monetary policy and price stability
Interest rates
Exchange rates
Definition and functions of money
Contributions to monetary policy analysis
Reports and publications
Speeches
Euro area monetary policy and instruments
The ECB and its monetary policy strategy
The role of the Banco de España
What are the ECB’s monetary policy instruments?
ECB interest rates
The ECB’s new instruments
Collateral
Current framework
ECMS
Resolution
International context
Resolution authorities
Resolution planning
Resolution tools
Resolvability assessment
MREL and TLAC
The Banco de España and its international role
Next steps
Payment systems
Payment systems in Spain
The
SNCE
STMP system
TARGET-Banco de España
Securities clearing and settlement systems in Spain
The role of central banks
TARGET2-Securities
Iberclear
BME Clearing
Market infrastructure oversight
Cyber resilience
Digital euro
Project timeline
Documents of interest
Public interventions
Information resources
The Single Euro Payments Area (
SEPA
)
Environmental sustainability
Institutional information
The Banco de España and climate change
Corporate sustainability
Organisation within the Banco de España
General information
Monetary policy and investment portfolio
Financial stability, regulation and supervision
Analysis and research
Membership of international fora
Speeches
Banking supervision
The Banco de España’s supervisory function
Why the Bank has a supervisory function
The supervisory model in Spain
Basic objectives
Legal basis in Spain
International supervisory activity
Association of Supervisors of Banks of the Americas
European Banking Authority
Basel Committee on Banking Supervision
Financial Stability Board
Joint Forum
Memorandums of Understanding on supervisory matters
Single Supervisory Mechanism
Supervised entities
Information Desk
General public
Firms and professionals
Financial institutions
Public authorities
Publications
Annual reports
Annual Report
Institutional Report
Annual Accounts
Supervision Report
Complaints Report and Compendium of best banking practice criteria
CCR Report
Climate-related aspects of the Banco de España’s non-monetary policy portfolios
Economic analysis and research
Economic Bulletin
Macroeconomic projections and quarterly report on the Spanish economy
Working Papers
Occasional Papers
Research Update
Economic history
Report on the Latin American economy
Report on the Financial Situation of Households and Firms
Survey of Financial Competences
Financial stability and macroprudential policy
Financial Stability Report
Financial Stability Review
Statistical information
Statistical Bulletin
Banco de España Statistics Information Bulletin
Central Balance Sheet Office
Statistical Notes
The Bank’s heritage
Miscellaneous
ECB publications
ECB Annual Report
ECB Annual Report on supervisory activities
Convergence Report
ECB Economic Bulletin
Other publications
Discontinued publications
Other publications
Statistics
Statistics by topic
Interest rates
Exchange rates
Financial accounts
Financial corporations
General government
Non-financial corporations
External statistics
Surveys of households and individuals
Financial markets
General economic statistics
Payment systems
Financial and prudential information from credit institutions
News about financial and prudential information from credit institutions
Other classifications
Statistics by publication
Entity classification
Lists of financial institutions
Sectorisation of the Spanish economy
Other statistics
Historical statistics for researchers
Experimental statistics
Card payments infographic
Business Multilocalization Viewer (ViME)
Observatory of the Non-Banking Fintech Industry in Spain
Distributional Wealth Accounts for the household sector (DWA)
Private Equity in Spain
News and events
Banco de España news
Banco de España press releases
Speeches
Articles and interviews
ECB news
ECB press releases
Monetary policy decisions
Monetary policy accounts
Other Governing Council decisions
Single Supervisory Mechanism (SSM)
News from other institutions
Single Resolution Mechanism (SRM)
European Systemic Risk Board (ESRB)
Basel Committee on Banking Supervision (BCBS)
European Banking Authority (EBA)
Other institutions
Banco de España Blog
Banco de España events
Agenda
Conferences
King of Spain’s Prize for Economics
Information resources
Videos
Photo Gallery
Curricula vitae of the Bank’s senior officers
Other topics of interest
The restructuring of the banking sector
Progress
Segregation of troubled assets
Restructuring and recapitalisation
Independent assessment of the Spanish banking sector
Regulatory framework
European bank recapitalisation plan (2011-2012)
EU-wide stress tests
Digital Euro
CIENxCIEN Podcast
About us
Activities
Information Desk
Publications
Statistics
News and events
Home
Activities
Analysis and research
Events
Research seminars
Private Health Insurance under Universal Coverage: Balancing Efficiency and Equity
Back
Private Health Insurance under Universal Coverage: Balancing Efficiency and Equity
David Seim (University of Stockholm)
Information
9 April 2025
Previous
How Inflation Expectations...
Next
How Inflation Expectations...
9 April 2025