THE SPANISH FINANCIAL SECTOR EVOLUTION REVIEW WITH REGARD TO CASH MANAGEMENT: SUCCEEDS AND TRENDS José Antonio Soler de Arespacochaga C.E.C.A.
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
CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till 12-31-2001 There were 52 Branches
CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till 12-31-2001 There were 52 Branches Since 1-1-2002 Avila, Castellón, Cuenca, Guadalajara, Lérida, Lugo, Palencia, Segovia, Soria y Teruel
CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till 12-31-2001 There were 52 Branches Since 1-1-2002 Avila, Castellón, Cuenca, Guadalajara, Lérida, Lugo, Palencia, Segovia, Soria y Teruel Since 1-1-2003 3 Branches without cash services Albacete, Almería, Burgos,Huelva, Huesca, Jaén, Orense, Salamanca, Tarragona y Zamora Logroño, Santander y Toledo
CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till 12-31-2001 There were 52 Branches Since 1-1-2002 Avila, Castellón, Cuenca, Guadalajara, Lérida, Lugo, Palencia, Segovia, Soria y Teruel Since 1-1-2003 3 Branches without cash services Albacete, Almería, Burgos,Huelva, Huesca, Jaén, Orense, Salamanca, Tarragona y Zamora Logroño, Santander y Toledo Since 1-1-2004 2 Branches without cash services Cáceres, Cádiz, Ciudad Real, Córdoba, Gerona, Granada, León, Pontevedra, Santiago y Vitoria Pamplona y S.Sebast
CENTRAL BANK OF SPAIN DEVELOPMENT CENTRAL BANK OF SPAIN Till 12-31-2001 There were 52 Branches Since 1-1-2002 Avila, Castellón, Cuenca, Guadalajara, Lérida, Lugo, Palencia, Segovia, Soria y Teruel Since 1-1-2003 3 Branches without cash services Albacete, Almería, Burgos,Huelva, Huesca, Jaén, Orense, Salamanca, Tarragona y Zamora Logroño, Santander y Toledo Since 1-1-2004 2 Branches without cash services Cáceres, Cádiz, Ciudad Real, Córdoba, Gerona, Granada, León, Pontevedra, Santiago y Vitoria Pamplona y S.Sebast Since 1-1-2004 17 Branches operatives
Spanish Finantial Industry Development Year 1.995 Year 2.004 Branches 15.835 14.309 BANKS ATM`S Credit Cards 9.677 18.971 15.767.925 26.232.166 TOTAL 2004 Branches 16.683 21.529 44.667 Branches SAVING BANKS ATM`S Credit Cards 15.292 30.355 15.423.811 33.712.401 49.326 ATM Oders S.banks Branches 3.156 8.829 59.944.567 C. Cards CAJAS LABORALES CAJAS RURALES CAJAS PROFES. CAJAS POPULARES ATM`S Credit Cards 2.128 921.688 7.851 7.527.676 Fuente: Anuario Estadística de C.E.C.A. - AEB - UNACC
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
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...
87 523 2438 6239 2017 2810 906 1060 484 1977 1977 1978 1978 1979 1979 1980 1980 1981 1981 1982 1982 1983 1983 1984 1984 1985 1985 1986 1986 1987 1987 1988 1988 1989 1989 1990 1990 1991 1991 1992 1992 1993 1993 1994 1994 1995 1995 1996 1996 1997 1997 1998 1998 1999 1999 2000 2000 2001 2001 1976 1976 7000 6000 5000 4000 3000 2000 1000 0 ROBBERIES EVOLUTION IN SPAIN A PENAL NEW LAW(Amnesty to common convict) ROBBERIES WORLD MAXIMUN 14.000 BRANCHES IN SPAIN FIRST REGULATION ON SECURITY LATEST REGULATION ON SECURITY MASSIVE INMIGRATION 44.667 BRANCHES IN SPAIN 2002 2002 2003 2003 2004 2004 2005 2005
ATTACKS TO MONEY TRANSPORT 1.995-2000 (five years) UNITED KINGDOM UNITED KINGDOM 500 PORTUGAL 49 IRELAND 45 BELGIUM FRANCE 81 75 GERMANY 77 SWEDEN 95 ITALY 137 DENMARK 26
ATTACKS TO MONEY TRANSPORT 1.995-2000 (five years) UNITED KINGDOM 500 PORTUGAL 49 IRELAND 45 17 SPAIN FRANCE 81 77 SWEDEN 95 BELGIUM 75 GERMANY ITALY 137 DENMARK 26 ATTACKS TO MONEY TRANSPORT IN SPAIN, 1.992-2002 (ten years)
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
THE SPANISH FINANCIAL SECTOR EVOLUTION REVIEW WITH REGARD TO CASH MANAGEMENT: SUCCEEDS AND TRENDS José Antonio Soler de Arespacochaga C.E.C.A.
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