Banking gave 300 new municipalities in rural Spain access to cash in 2022

So it looks collected report Prepared by the Valencian Institute for Economic Research (ivy) for bank employees (AEB, CECA and Unacc), to which El Periódico de Catalunya from the Prensa Ibérica group has access. The study prepared by the professor, Joaquin Maudosto do to follow The degree of compliance with the plan for the Spanish countryside, decided by the economy and the sector at the beginning of October. For this reason, it will be examined meeting they will keep the next one Thursday afternoon Vice President Nadia Calviño, employersassociations bigger and consumers till the end. A meeting to discuss the operation of the plan to improve the financial access of the elderly and the plan to alleviate the situation of the mortgagee. euribor.

Economy generally pleased With the development of initiatives rural spain And bigger. Regarding Code of Good Practices mortgageNumber wants Will be Small than expected (some sources estimate it may be approximate) 15,000), but the ministry sees it as a sign. economy and employment is gone better than expected when it was signed last November. In order to demonstrate this and understand why there is no demand anymore, he asked the industry to make a demand in the preparatory meetings. corruption old and new code as well as numbers renegotiations mortgages not included in the plan and early repayments. In any case, the recent dispute over mortgages between Calviño and vice-president Yolanda Díaz and the former’s demand for banks to raise their deposit rates drove the market rate up. uncertainty around the meeting.

Private label ATMs

plan for rural spain, includes a commitment to bring face-to-face financial services. “100% of the area” Split in two for the first time in history two blocks Depending on the size of the population: population of more than 500 or less. In the first case, the number of excluded municipalities To 243 in 2021, to 164 in 2022. A second quarterly report will show the figure between January and March. the other fivealthough it is at least necessary 55 additional -in fact Burgos and Leon– It will be added in the coming months as a result of ongoing agreements and tenders (municipal elections delayed some processes). excluded population this group of municipalities will decrease approximately from 211,550 people (0.45% of the total number of citizens) in 2021. 88,000 (0.18%).

In this way, banks gained access to their services. 69 new municipalities More than 500 population between December 2021 and last March: all together office (Santa María Tower in Cáceres), founded in 33 Bank clerkAccess to banking was possible at 21. post officesand 14 to “offices”while none use the contract method financial intermediaries. You can also withdraw and enter money in 15 of these towns. non-bank ATMsnot counted in the initial study on the closing status of 2021.

With 55 municipalities with a population of more than 500 to be added to the list in the coming months, banks will already have taken their services to Turkey. 57% of those detected At the end of 2021. the entire population next October, when a year has passed since the signing of the plan. To do this, it terminates the activation. second scene of this: setup white label ATMs. Therefore, in recent weeks cost sharing between organizations to do this through the payment company redsysthat a significant part of the banks are partners, but not all of them are partners.

Office alternatives

with regard to the municipalities population less than 500In addition to the previous solutions, other solutions are being considered, such as the following. Cash Post (get money from postmen) or ‘cash back’ and ‘cash in store’ (earn cash in stores). In this group, excluded municipalities decreased by 354 from 2,987 in 2022. 2.639 (88 thanks to non-bank ATMs not included in the 2021 report and 45 thanks to ‘cash back’) and the population without service decreased from 93,083 to 446,007. 352.924 people.

The total number of municipalities with a population above or below 500 last year got up them no office (in 111, up to 4,533), but at the same time bank teller (86 years old), financial intermediaries (105), Mail (199) and mobile offices (twenty one). Thus, the year-on-year decrease in the unattended population reaches 300, plus 133 people served via ‘cashback’ and non-bank ATMs.

The report states that despite the reduction in the total number of offices in the country (from 1,367 to 17,648), Spain’s Europe’s third busiest network (2,463 people per branch compared to the community average of 3,232). The total number of ATMs also decreased last year (up 2,406 to 45,233), but the Spanish network EU fourth (995 persons per ATM compared to the European average of 1,344). Likewise, the study will result in 4,533 municipalities that do not have offices at the end of 2022, 78.3% (3,550) didn’t have it not in 2008The year the number of branches reached its historic maximum, “this means that the closure is now concentrated in municipalities that have at least one bank office.”