it is Not known which is first, that the people will be left without people, and then close the bank or to fold the last branch and speed up the depopulation. The true fact is that both of these circumstances are linked and that the Spain uninhabited not stop growing. The population without access to a bank branch in their municipality of residence increased by 7.2% in 2017.
In more than half of the municipalities (in particular, 52.2%) there are no bank offices, which represents an increase of 1.5 percentage points in comparison to 2016, and 8.3 points since 2008, which is when the network of offices in Spain reached its maximum extension.
The population brand the possibility of not having office, so that the towns of 5,000 to 10,000 inhabitants represent only 0.1% of municipalities without branches. Of the population is excluded, 44 per cent reside in towns of less than 500 inhabitants.
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In Spain there is financial exclusion half of the people no longer has bank “it makes it hard to live without a branch in the village”
For the provinces, where most closures have occurred has been Barcelona, which has lost 56% of the offices. In this case, the most decisive factor has been the debacle of the Catalan saving banks: they have broken all the relevant less The Caixa, and have been absorbed by banks.
By autonomous communities, highlights Castilla y León, with 80% of towns and 16.5% of the population, without any branch. In Navarre, the 60% of the localities do not have a branch where you live 8% of the population. Castilla-La Mancha and la Rioja are still in the ranking, with 50% of the affected people. Catalonia is with 49.7% of its towns and villages, and 3.2% of the population without a bank. On the opposite side are the Holiganbet islands, with 4% of the people are not banked, and in the peninsula, the best is is Murcia, with 8.9% of the affected people.
Between 2016 and 2017, Extremadura and Cantabria were the regions where more has increased the percentage of the population is financially excluded, with increases of 1.5 and 0.7 percentage points, respectively.
cost Reduction
According to the report of the Valencian Institute of Economic Studies (Ivie), “the low profitability of the entities have been forced to reduce costs by closing offices” so now it has a network of 27.320 offices, almost half of the 45.662 that existed before the start of the crisis.
For the future, says Ivie, “it is predictable that we continue to increase the population without access to a bank office”. However, “if the closure is concentrated in municipalities of a certain size, it is less likely to affect financial exclusion.
in Addition, going forward the penetration of online banking, the impact of the closure of offices on the potential financial exclusion will be lower”.
Also, remember the Ivie that the financial sector is bypassing the financial exclusion with atms, financial agents, and mobile offices, and claims that “the public sector to complete this work, eradicating digital exclusion, because financial exclusion is a social problem”.
Zamora and Segovia, the most punished
If you see the effect of financial exclusion by the percentage of the population most affected, include Zamora and Segovia. In the first, the 27.7% of its citizens live in villages without bank, 22.5 per cent of Segovia. Above 15% are Avila, Palencia, León, Soria in 14.8%. These data demonstrate that the problem is concentrated in certain provinces, the call to Spain empty. The islands are living the opposite situation.
