José Antonio is a data scientist in the Department of Strategic Planning. He holds a degree from the Polytechnic University of Catalonia, where he was part of the second ever intake of the degree in Data Science and Engineering, and he is participating in the first edition of CaixaBank’s Data Talent programme. Prior to joining the bank, and in conjunction with his university studies in Barcelona and Stockholm, he co-founded a tech start-up with two partners, where he complemented his education in technology with a well-rounded and comprehensive view of the business world.
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Javier is an Economist in the Strategic Planning Unit. He graduated in Economics from Universidad CEU San Pablo in Madrid, where he also carried out an internship at the Instituto Nacional de Estadística. Afterwards, he worked as an analyst for the consulting firm Equipo Económico. Before joining CaixaBank, he completed a Master in Economics at the Barcelona Graduate School of Economics.
Beatriz is an economist at the International Economics & Markets Department. She has a degree in Economics from Universidad San Pablo CEU, a postgraduate degree in Market Research and doctorate studies in Applied Economics at Universidad Complutense de Madrid. With 18 years' experience in the financial sector, before joining CaixaBank she worked in sales trading and bond analysis and strategy at Ahorro Corporación. Her main areas of expertise are global financial markets, particularly bonds and equity.
Ana Maria is an Assistant in the Strategic Planning and Research Division and carries out a variety of tasks to help and support various projects. With studies in administration, telephony and hairdressing, she also has extensive experience in customer service and sales after having worked at Decathlon and Telepizza. While at the company Taler she got to know the administrative world of the office in depth. A person who is engaged, very optimistic and with a great willingness to learn and overcome challenges every day. She loves travelling, dancing and enjoying the company of friends and family.
Isabella holds the position of research assistant in the Strategic Planning Department. She has a degree in Economics from the Autonomous University of Barcelona and a master's degree in Specialized Economic Analysis: International Trade, Finance and Development from the Barcelona School of Economics.
In June 2016, the United Kingdom’s vote in favour of leaving the European Union (EU) opened up a new scenario for the British economy that could have important repercussions for the Spanish economy and particularly for the tourism industry, which receives around 16 million British tourists a year1. In this article we examine the impact of Brexit on the number of British tourists visiting Spain and its potential impact in the future under different EU exit scenarios.
- 1This figure represents nearly 22% of Spain’s total inbound tourism (2018 data).
The tourism sector remains one of the key drivers of the Spanish economy, with tourism GDP expected to grow by 2.7%, above the Spanish average. However, it has entered a new phase of more moderate growth after years of strong expansion driven by the post-pandemic recovery.
Now, although the ECB has tightened the conditions required for an interest rate hike, there are more factors to support the idea that medium-term inflation could lie at 2%, and after more than a decade without doing so the ECB may finally raise interest rates.
The outcome of the tariff agenda will be key to determining the course of the global economy in the coming months, at a time when the international economy continues to hold up despite the accumulation of geopolitical tensions, uncertainty and ongoing negotiations.
The European Central Bank is reviewing the operating framework with which it implements interest rates. In this article we examine the main question marks in the process.
In its battle against inflation, monetary policy has tightened considerably, as is clearly visible in official interest rates and those faced by businesses, households and governments. But these interest rates are not an end in themselves; rather, the ultimate goal is to cool economic activity and thus curb inflation. In this article, we have analysed the state of monetary policy transmission through one of its main channels: credit conditions.