The default rate of Spanish banks has broken records in the last few years and a substantial decrease is not expected in the short term due to the slow recovery of the economy and the decrees on financial reform (appended) under which banks will have to recognise loans which thus far were not accepted as such as being defaulting loans.
Focussing on growth during the pre-crisis years, collection activities have currently become a key driver for financial entities to maintain profitability.
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