Banco de España Blog

Using a simple format and plain language, the Banco de España Blog seeks to make our work more accessible to the general public. It allows us to share our analysis of economic and financial issues and the ins and outs of the Banco de España’s tasks and activities with all those keen to learn more.

The Blog series group together posts covering certain similar topics. Further down is a general listing of all Blog posts, with a search function to help readers find the posts they are interested in.

 

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Competition and financial stability in the fintech era

04/02/2026 José Enrique Gutiérrez

Technological innovation in financial services (known as fintech) is changing the way we manage our finances. Understanding its potential impact on financial stability is a key concern for the Banco de España and other financial supervisors around the world.

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How to use the calendar: use the arrow keys to navigate the calendar. Press the arrows to navigate by days of the month. Press shift and the arrows to navigate by month. Press control and the arrows to navigate by year.

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Subhome

29/01/2026

The Distributional Wealth Accounts: a new tool for analysing household wealth and debt

Sandra García-Uribe , Adrián Iñigo , Radad Sennouni

The Distributional Wealth Accounts combine micro data from surveys and national accounts data to provide an overview of Spanish household net wealth. These new statistics are updated quarterly and presented in a user-friendly interactive format.

Spanish Survey of Household Finances

Encuesta

05/02/2025

Analysing wealth in Spain: 20 years of the Spanish Survey of Household Finances

Cristina Barceló , Olympia Bover , Laura Crespo , Luis Guirola

How is wealth or home ownership distributed among Spanish households? For the last 20 years the Banco de España’s Spanish Survey of Household Finances has provided rich information on Spanish households’ finances and enabled the analysis of these and many other related questions.

Spanish Survey of Household Finances