THE SPANISH FINANCIAL SECTOR EVOLUTION REVIEW WITH REGARD TO CASH MANAGEMENT: SUCCEEDS AND TRENDS. José Antonio Soler de Arespacochaga C.E.C.A.

Transcription

1 THE SPANISH FINANCIAL SECTOR EVOLUTION REVIEW WITH REGARD TO CASH MANAGEMENT: SUCCEEDS AND TRENDS José Antonio Soler de Arespacochaga C.E.C.A.

2 The Spanish Finantial Sector (Middlemen) CENTRAL BANK OF SPAIN Others S.Banks AEB CECA CREDIT UNIONS BANKS SAVING BANKS CAJAS LABORALES CAJAS RURALES CAJAS PROFES. CAJAS POPULARES

3 CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till There were 52 Branches

4 CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till There were 52 Branches Since Avila, Castellón, Cuenca, Guadalajara, Lérida, Lugo, Palencia, Segovia, Soria y Teruel

5 CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till There were 52 Branches Since Avila, Castellón, Cuenca, Guadalajara, Lérida, Lugo, Palencia, Segovia, Soria y Teruel Since Branches without cash services Albacete, Almería, Burgos,Huelva, Huesca, Jaén, Orense, Salamanca, Tarragona y Zamora Logroño, Santander y Toledo

6 CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till There were 52 Branches Since Avila, Castellón, Cuenca, Guadalajara, Lérida, Lugo, Palencia, Segovia, Soria y Teruel Since Branches without cash services Albacete, Almería, Burgos,Huelva, Huesca, Jaén, Orense, Salamanca, Tarragona y Zamora Logroño, Santander y Toledo Since Branches without cash services Cáceres, Cádiz, Ciudad Real, Córdoba, Gerona, Granada, León, Pontevedra, Santiago y Vitoria Pamplona y S.Sebast

7 CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till There were 52 Branches Since Avila, Castellón, Cuenca, Guadalajara, Lérida, Lugo, Palencia, Segovia, Soria y Teruel Since Branches without cash services Albacete, Almería, Burgos,Huelva, Huesca, Jaén, Orense, Salamanca, Tarragona y Zamora Logroño, Santander y Toledo Since Branches without cash services Cáceres, Cádiz, Ciudad Real, Córdoba, Gerona, Granada, León, Pontevedra, Santiago y Vitoria Pamplona y S.Sebast Since Branches operatives

8 Spanish Finantial Industry Development Year Year Branches BANKS ATM`S Credit Cards TOTAL 2004 Branches Branches SAVING BANKS ATM`S Credit Cards ATM Oders S.banks Branches C. Cards CAJAS LABORALES CAJAS RURALES CAJAS PROFES. CAJAS POPULARES ATM`S Credit Cards Fuente: Anuario Estadística de C.E.C.A. - AEB - UNACC

9 LEGISLATION DEVELOPMENT PRIVATE SECURITY LAW SINCE 1992 GOVERN AND CONTROL ALL THE SECURITY MEASURES IN BANKS AND SAVING BANKS CONTROL ALL MATTERS RELATING TO SECURITY COM- PANIES, IN KEEP-GUARD SERVICES AND CASH-HANDLING OR EQUIPMENT SYSTEMS

10 CONCERNED INDUSTRIES * FINANCIAL COMPANIES (BANKS, SAVING BANKS, ETC..) * SECURITY COMPANIES (Keep-guard Service, Handling, etc...) * SHOPS (Jeweller`s, Filling-stations,etc...) * SECURITY SYSTEMS MANUFACTURERS * SECURITY SYSTEMS INSTALLERS * ALARM RECEIVER CONTROL CENTERS * PROFESSIONAL GROUPS (V.S., Managers, Managerial Staff..) * ETC...

11 ROBBERIES EVOLUTION IN SPAIN A PENAL NEW LAW(Amnesty to common convict) ROBBERIES WORLD MAXIMUN BRANCHES IN SPAIN FIRST REGULATION ON SECURITY LATEST REGULATION ON SECURITY MASSIVE INMIGRATION BRANCHES IN SPAIN

12 ATTACKS TO MONEY TRANSPORT (five years) UNITED KINGDOM UNITED KINGDOM 500 PORTUGAL 49 IRELAND 45 BELGIUM FRANCE GERMANY 77 SWEDEN 95 ITALY 137 DENMARK 26

13 ATTACKS TO MONEY TRANSPORT (five years) UNITED KINGDOM 500 PORTUGAL 49 IRELAND SPAIN FRANCE SWEDEN 95 BELGIUM 75 GERMANY ITALY 137 DENMARK 26 ATTACKS TO MONEY TRANSPORT IN SPAIN, (ten years)

14 Survey of the financial companies to cash and handling companies Total Outsorcing of the transport and cash management services ACHIEVEMENTS EURO TRANSITION * Euro distribution * Collect and change of bank notes and coins from pesetas to GOOD QUALITY TO BRANCHES OFFICES TRENDS Total service of ATM`s Compensation centre among banks and saving banks To speed up and diversify of transport systems

15 THE SPANISH FINANCIAL SECTOR EVOLUTION REVIEW WITH REGARD TO CASH MANAGEMENT: SUCCEEDS AND TRENDS José Antonio Soler de Arespacochaga C.E.C.A.

16 THANK YOU