{"id":1654,"date":"2023-08-11T13:47:45","date_gmt":"2023-08-11T13:47:45","guid":{"rendered":"http:\/\/memoriacesib.es\/2024\/?p=1654"},"modified":"2025-10-10T09:28:24","modified_gmt":"2025-10-10T09:28:24","slug":"7-institucions-financeres","status":"publish","type":"post","link":"https:\/\/memoriacesib.es\/2024\/7-institucions-financeres\/","title":{"rendered":"7. Institucions financeres"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"1654\" class=\"elementor elementor-1654\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-27610114 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"27610114\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-51dac661\" data-id=\"51dac661\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-729ea055 elementor-widget elementor-widget-heading\" data-id=\"729ea055\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">7. Institucions financeres<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-77cd7002 elementor-icon-list--layout-inline elementor-align-end elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"77cd7002\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items elementor-inline-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-inline-item\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Alfredo Mart\u00edn Oliver<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a8b972a elementor-align-right elementor-widget elementor-widget-button\" data-id=\"3a8b972a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-xs\" href=\"https:\/\/memoriacesib.es\/2024\/wp-content\/uploads\/CAP-I_7.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-file-pdf\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Descarregar CAP I. 7. Institucions financeres<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cb0c4cf elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cb0c4cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-74dcb6b5 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"74dcb6b5\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5f0f5232\" data-id=\"5f0f5232\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-47cc7954 elementor-widget elementor-widget-text-editor\" data-id=\"47cc7954\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Entre els anys 2023 i 2024, el PIB de les Illes Balears va registrar un creixement del 4\u00a0%, mentre que el volum de dip\u00f2sits va augmentar lleugerament i el cr\u00e8dit concedit per les entitats de dip\u00f2sit es va mantenir relativament estable.<\/span><\/p><p><span style=\"font-weight: 400;\">Pel que fa al finan\u00e7ament, el 2024 va suposar un punt d\u2019inflexi\u00f3 en la din\u00e0mica negativa dels darrers exercicis. A finals d\u2019any, el volum total de cr\u00e8dit es va situar en 31.826 milions d\u2019euros, xifra que representa un increment interanual del 0,6\u00a0%. Aquest comportament contrasta amb el conjunt estatal, on el cr\u00e8dit es va reduir un 0,3\u00a0%, fins a un total d\u20191.198.722 milions d\u2019euros. Com a conseq\u00fc\u00e8ncia, el pes del cr\u00e8dit balear en relaci\u00f3 amb el total nacional va augmentar lleugerament. Al mateix temps, la r\u00e0tio cr\u00e8dit\/PIB a les Balears va descendir fins al 77,27\u00a0%, fet atribu\u00efble al fort increment del PIB i a la moderaci\u00f3 en el ritme de creixement del cr\u00e8dit.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-65dd1e5 elementor-widget elementor-widget-heading\" data-id=\"65dd1e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Millora de la sostenibilitat financera a les Illes Balears tot i la moderaci\u00f3 del cr\u00e8dit i l\u2019augment del deute<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a68411 elementor-widget elementor-widget-text-editor\" data-id=\"2a68411\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">En el mercat hipotecari, es va produir una reducci\u00f3 del 5,4\u00a0% en el nombre d\u2019hipoteques formalitzades a les Illes Balears. Malgrat aquest descens, l\u2019import global de les operacions hipotec\u00e0ries va cr\u00e9ixer un 6,0\u00a0%, impulsat per l\u2019encariment dels habitatges i l\u2019increment de l\u2019import mitj\u00e0 per hipoteca. A finals de 2024, la r\u00e0tio entre el valor mitj\u00e0 d\u2019una hipoteca a les Balears i el de la resta de l\u2019Estat es va situar en 2,1, fet que posa de manifest l\u2019esfor\u00e7 addicional que han d\u2019assumir les fam\u00edlies balears per accedir a l\u2019habitatge. Aquest desequilibri apunta cap a una possible nova davallada en el nombre d\u2019hipoteques durant el 2025.<\/span><\/p><p><span style=\"font-weight: 400;\">En l\u2019\u00e0mbit de les finances p\u00fabliques, el deute acumulat de les administracions balears va arribar als 8.661 milions d\u2019euros a finals del 2024, fet que representa un increment de l\u20191,0\u00a0% respecte de l\u2019any anterior. Tot i aquest augment nominal, la r\u00e0tio deute\/PIB es va reduir fins al 19,1\u00a0%, en conson\u00e0ncia amb l\u2019evoluci\u00f3 observada a altres comunitats aut\u00f2nomes, i evidencia una millora en els indicadors de sostenibilitat financera. El Fons de Liquiditat Auton\u00f2mic (FLA) va continuar sent la principal font de finan\u00e7ament, amb una participaci\u00f3 del 67,3\u00a0% en el conjunt del deute, mentre que el pes dels pr\u00e9stecs bancaris a llarg termini va disminuir. En el r\u00e0nquing auton\u00f2mic per nivell d\u2019endeutament en relaci\u00f3 amb el PIB, les Illes Balears es mantingueren en la cinquena posici\u00f3.<\/span><\/p><p><span style=\"font-weight: 400;\">Pel que fa a l\u2019estalvi, el volum total de dip\u00f2sits va assolir els 35.396 milions d\u2019euros, amb un increment anual del 7,7\u00a0%. Aquesta evoluci\u00f3 positiva va permetre que la r\u00e0tio dip\u00f2sits\/PIB augment\u00e9s fins al 86,0\u00a0%, gr\u00e0cies a un creixement de l\u2019estalvi superior al del PIB. En paral\u00b7lel, la xarxa d\u2019oficines banc\u00e0ries continu\u00e0 el proc\u00e9s d\u2019ajust, encara que de manera m\u00e9s moderada: es registr\u00e0 una reducci\u00f3 de 6 oficines al llarg de l\u2019any, que va deixar el total en 418. Aquesta atenuaci\u00f3 en el ritme de tancaments podria indicar una certa estabilitzaci\u00f3. No obstant aix\u00f2, la densitat d\u2019oficines per cada mil habitants es va reduir fins a 0,3, com a resultat tant del tancament de sucursals com de l\u2019augment de la poblaci\u00f3 empadronada.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-389a6c51 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"389a6c51\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a659a02\" data-id=\"a659a02\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4e8956b7 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"4e8956b7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>7. Institucions financeres Alfredo Mart\u00edn Oliver Descarregar CAP I. 7. Institucions financeres Entre els anys 2023 i 2024, el PIB de les Illes Balears va registrar un creixement del 4\u00a0%, mentre que el volum de dip\u00f2sits va augmentar lleugerament i el cr\u00e8dit concedit per les entitats de dip\u00f2sit es va mantenir relativament estable. Pel que [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1655,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,2],"tags":[],"class_list":["post-1654","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-panoramaeconomicdelesillesbalears","category-capitoli"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>7. Institucions financeres - Memoria CES 2024<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/memoriacesib.es\/2024\/7-institucions-financeres\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7. Institucions financeres - Memoria CES 2024\" \/>\n<meta property=\"og:description\" content=\"7. Institucions financeres Alfredo Mart\u00edn Oliver Descarregar CAP I. 7. Institucions financeres Entre els anys 2023 i 2024, el PIB de les Illes Balears va registrar un creixement del 4\u00a0%, mentre que el volum de dip\u00f2sits va augmentar lleugerament i el cr\u00e8dit concedit per les entitats de dip\u00f2sit es va mantenir relativament estable. 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