Resumen de Evaluating the effects of the EU directive proposal for risk-based deposit insurance premiums in Spain
María Pilar Gómez Fernández-Aguado, Antonio Partal Ureña, Antonio Trujillo-Ponce
Using This paper analyzes the effects on the Spanish banking system of the EU proposal for a new Directive on deposit insurance systems based on risk-sensitive premiums. To do this, we examine the risk profile of Spanish banks during the 2007-2011 period according to several indicators reflecting capital adequacy, asset quality, profitability and liquidity. We conclude that most of banks would increase their contributions with the proposed system, evidencing the cyclical character of the new model. Our results also suggest that risk-based schemes could provide an incentive for sound management by reducing the premiums for those banks with better risk profiles