Aportació al coneixement del gènere Orobanche L. als Països Catalans

S'ha fet una aportació al coneixement del gènere Orobanche L. per la flora dels Països Catalans. La revisió s'ha fet mitjançant un estudi crític de la informació bibliogràfica i dels principals herbaris relacionats amb el territori. Ressaltem la presència de tàxons de marcat interès corològic, com és el cas d'Orobanche schultzii i d'O. ballotae, primeres cites pels Països Catalans, i també d'altres espècies poc citades o conflictives com són O. foetida i O. crinita. En alguns casos aportem cites contrastades que permeten confirmar la seva presència, com en el cas d'O. ramosa, O. purpurea, O. lavandulacea, O. laserpitii-sileris, O. reticulata i O. teucrii. Considerem que espècies com O. variegata, O. sanguinea i O. pubescens no es troben al nostre territori d'estudi. O. lutea no s'ha pogut retrobar, i la seva presència requereix confirmació.A botanical survey has been carried out in order to improve the knowledge of the genus Orobanche L. of the Flora of the Catalonian countries. For this, a critical review of the concerning bibliographical information and of main territorial herbaria was accomplished. The presence of taxa of important chorological interest such as Orobanche schultzii and O. ballotae was pointed out. Other scarce and conflictive species such as O. foetida and O. crinita were analized. The presence of O. ramosa, O. purpurea, O. lavandulacea, O. laserpitii-sileris, O. reticulata, and O. teucrii was contrasted and confirmed. Meanwhile, O. variegata, O. sanguinea, O. lutea, and O. pubescens were not found in the study area

Ensuring fair treatment for open banking customers

Open banking is meant to increase competition in retail and small business banking, but the banking data it relies on can be used to infer information about consumers, raising issues of consumer consent and data management. Edgar Whitley and Roser Pujadas identified important gaps in the regulation of open banking and customer consent for the use of their data, which resulted in better protections for consumers

January 2022 Bank Lending Survey in Spain

Artículo de revistaAccording to the Bank Lending Survey, during 2021 Q4 credit standards tightened slightly in Spain, while remaining virtually unchanged in most segments in the euro area. The terms and conditions applied to new loans did not change significantly in either of the two areas, the sole exception being those applied in Spain to the loans to households for house purchase segment, which eased slightly. Loan applications increased moderately in both Spain and the euro area, across almost all segments, in keeping with the recovery in economic activity

Results of non-financial corporations in 2013 and the first three quarters of 2014

Artículo de revist

Results of non-financial corporations : summary 2016 year-end data

Artículo de revistaMost sectors and companies in the Central Balance Sheet Data Office Quarterly Survey saw an expansion in productive activity and employment in 2016. Buoyant activity, coupled with favourable trends in financial costs and revenues, enabled companies’ ordinary profits to grow rapidly. This meant a further increase in aggregate levels of ordinary profits. Lastly, companies’ financial position continued to strengthen, translating into a drop in indebtedness and debt burden ratio

October 2022 bank lending survey in Spain

According to the Bank Lending Survey, in 2022 Q3 credit standards and loan terms and conditions tightened across the board, both in Spain and in the euro area as a whole, with the loans to households for house purchase segment seeing the most pronounced tightening. Meanwhile, loan applications in virtually all the categories declined in both areas. These developments unfolded against a backdrop of higher risks associated with the deterioration in the economic outlook and of monetary policy normalisation, which is translating into an increase in the cost of funds. This setting has also affected expectations for Q4, with banks expecting the contraction in loan supply to continue and demand to decline in all the segments analysed

Recent economic performance of Spanish SMEs and developments in their access to external financing according to the ECB’s half-yearly survey

Rationale: In recent years the Spanish business sector has experienced unprecedented shocks: the onset of the pandemic, supply chain bottlenecks and escalating commodity prices. In this setting, it is important to assess the sector’s economic and financial situation. Takeaways •Between April and September 2022, the recovery in activity recorded in the previous two six-month periods continued for Spanish SMEs. However, higher production costs meant that profits declined at the majority of the firms surveyed. •For the first time since 2013, the survey signals a deterioration in the availability of bank financing. •In any event, despite rising slightly, the indicator of obstacles to obtaining bank loans remains at historically low levels

Results of non-financial corporations to 2022 Q2

Artículo de revistaThe Central Balance Sheet Data Office Quarterly Survey data show that ordinary profit grew sharply in 2022 H1, with average profitability levels close to those of 2019. These positive economic developments translated into an improvement in the ability to repay corporate debt. For their part, average liquidity ratios declined, reversing the increase recorded following the onset of the COVID-19 pandemic. In any event, a more detailed analysis evidences a less favourable trend for certain groups of firms than that inferred from aggregate data. In particular, the article includes a box showing signs of deterioration in the economic and financial situation of some of the firms most exposed to the rise in energy prices. Specifically, firms whose activity has recovered less in the recent period because they have not benefited as much from the lifting of the pandemic-related restrictions on movement would be in this situation

January 2023 Bank Lending Survey in Spain

Rationale. This article summarises the main results of the Bank Lending Survey for 2022 Q4 and the expectations for 2023 Q1. It also analyses matters related to funding market access and the impact of other factors on responding banks’ lending policy.Takeaways. •According to the Bank Lending Survey, in 2022 Q4 credit standards tightened across the board in Spain for the third consecutive quarter. •Loan demand fell in the two household segments (house purchase and consumer credit and other lending), while demand from enterprises grew slightly, driven by their greater financing needs for working capital and inventories. •For 2023 Q1, banks once again expect loan supply to contract and loan demand to fall across the board

Results of non-financial corporations in 2017 Q4 : preliminary year-end data

Artículo de revistaNon-financial corporations continued to create employment in 2017, with the trend extensive to all sectors according to the CBSO quarterly sample. As to business activity, although both gross value added and ordinary net profit continued to grow, they did so at a more moderate pace than the previous year, largely owing to the negative performance of certain large corporations with a high weight in the quarterly sample. The non-recurrent items had an unfavourable impact on the final surplus, leading it to shrink significantly. Lastly, the returns on ordinary activities rose and the debt and debt burden ratios declined, suggesting a further improvement in firms’ economic and financial situation. The article also analyses recent developments in trade credit, where there was evidence last year of a pick-up in this financing arrangement, accompanied by reductions in average payment and collection period