{"id":1654,"date":"2023-08-11T13:47:45","date_gmt":"2023-08-11T13:47:45","guid":{"rendered":"https:\/\/memoriacesib.es\/2025\/?p=1654"},"modified":"2026-07-01T06:50:29","modified_gmt":"2026-07-01T06:50:29","slug":"7-institucions-financeres","status":"publish","type":"post","link":"https:\/\/memoriacesib.es\/2025\/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\/2025\/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;\">Aquest cap\u00edtol analitza l\u2019evoluci\u00f3 dels principals indicadors financers de l\u2019economia balear durant l\u2019any 2025 i els posa en relaci\u00f3 amb les xifres i tend\u00e8ncies observades en el conjunt de l\u2019Estat. L\u2019exercici va estar marcat per la coincid\u00e8ncia de dos factors favorables: d\u2019una banda, la reducci\u00f3 dels tipus d\u2019inter\u00e8s i, de l\u2019altra, un entorn econ\u00f2mic positiu, caracteritzat, entre altres elements, per un creixement econ\u00f2mic s\u00f2lid i una despesa tur\u00edstica r\u00e8cord.<\/span><\/p><p><span style=\"font-weight: 400;\">Pel que fa al cr\u00e8dit, a finals de 2025, el volum total que les entitats de dip\u00f2sit havien concedit a les Illes Balears va assolir els 32.557 milions d\u2019euros, un 2,89\u00a0% m\u00e9s que l\u2019any anterior. En el conjunt estatal, el cr\u00e8dit tamb\u00e9 va cr\u00e9ixer, concretament un 3,20\u00a0%, fins a 1.240.366 milions d\u2019euros. Tot i aquest augment, la r\u00e0tio cr\u00e8dit\/PIB de les Illes Balears va descendir fins al 68,35\u00a0%, amb una reducci\u00f3 de 2,88 punts percentuals, i es mant\u00e9 per davall la mitjana estatal, situada en el 73,52\u00a0%, despr\u00e9s d\u2019una baixada d\u20191,67 punts. Aquesta evoluci\u00f3 confirma la continu\u00eftat del proc\u00e9s de despalanquejament relatiu de l\u2019economia balear.<\/span><\/p><p><span style=\"font-weight: 400;\">En relaci\u00f3 amb el mercat hipotecari, malgrat el fort increment del preu de l\u2019habitatge, que a les Illes va arribar als 3.644 euros per metre quadrat, amb una pujada del 14,1\u00a0%, clarament per damunt els 2.094 euros per metre quadrat i el 13,3\u00a0% registrat en el conjunt estatal, el nombre d\u2019hipoteques constitu\u00efdes a les Illes Balears va augmentar un 14,0\u00a0% el 2025, fins a un total de 15.308 operacions, en un context de descens de l\u2019eur\u00edbor, que va registrar una mitjana anual del 2,222\u00a0%, davant el 3,275\u00a0% observat el 2024. Les execucions hipotec\u00e0ries es van reduir de manera notable, fins a 228 casos, un 39,2\u00a0% menys que l\u2019any anterior, la xifra m\u00e9s baixa de la s\u00e8rie disponible.<\/span><\/p><p><span style=\"font-weight: 400;\">Pel que fa al cr\u00e8dit empresarial, la qualitat credit\u00edcia va mostrar una millora generalitzada. La r\u00e0tio de dubtosos de l\u2019hostaleria, sector que concentra el 49,4\u00a0% del deute empresarial de les Illes Balears, es va reduir del 5,86\u00a0% al 4,46\u00a0%, mentre que en la construcci\u00f3 i promoci\u00f3 immobili\u00e0ria va passar del 3,90\u00a0% al 2,99\u00a0%. Tot i aquesta millora, el nombre de concursos de creditors va augmentar fins a 99, un 41,4\u00a0% m\u00e9s que els 70 registrats el 2024, amb increments especialment intensos en l\u2019hostaleria i la construcci\u00f3.<\/span><\/p><p><span style=\"font-weight: 400;\">En l\u2019\u00e0mbit de les finances p\u00fabliques, el deute de les administracions p\u00fabliques de les Illes Balears va disminuir lleugerament fins als 8.615 milions d\u2019euros, fet que representa una reducci\u00f3 del 0,53\u00a0%. Aquesta evoluci\u00f3 contrasta amb l\u2019augment de l\u20191,69\u00a0% registrat en el conjunt de comunitats aut\u00f2nomes. La r\u00e0tio deute\/PIB es va reduir del 19,07\u00a0% al 18,05\u00a0%, i les Illes Balears van millorar la seva posici\u00f3 relativa dins el r\u00e0nquing auton\u00f2mic, que va passar de la cinquena a la setena posici\u00f3 entre les comunitats amb m\u00e9s endeutament relatiu. El fons de liquiditat auton\u00f2mica continua sent la principal font de finan\u00e7ament del deute balear, amb un pes del 73,3\u00a0% del total, 6,0 punts percentuals m\u00e9s que l\u2019any anterior.<\/span><\/p><p><span style=\"font-weight: 400;\">Quant a l\u2019estalvi, el volum total de dip\u00f2sits a les Illes Balears va arribar als 36.847 milions d\u2019euros a finals de 2025, amb un increment interanual del 4,10\u00a0%. La r\u00e0tio dip\u00f2sits\/PIB va disminuir fins a situar-se en el 77,4\u00a0%, 1,86 punts percentuals per davall el valor de l\u2019any anterior. Pel que fa a la xarxa d\u2019oficines banc\u00e0ries, a finals de 2025 les Illes Balears disposaven de 403 oficines d\u2019entitats de dip\u00f2sit, quinze menys que un any abans, la qual cosa suposa una reducci\u00f3 del 3,59\u00a0%. La densitat va baixar fins a 0,32 oficines per cada mil habitants, en un context d\u2019augment de la poblaci\u00f3 resident, que va cr\u00e9ixer un 1,17\u00a0%. Si es compara amb el m\u00e0xim que es va assolir l\u2019any 2008, l\u2019ajust acumulat de la xarxa a les Illes arriba al 67,9\u00a0%, \u00e9s a dir, 5,5 punts percentuals m\u00e9s que la reducci\u00f3 registrada en el conjunt estatal.<\/span><\/p><p><span style=\"font-weight: 400;\">Finalment, pel que fa a altres institucions i fonts de finan\u00e7ament alternatives, l\u2019ISBA va aprovar avals per un import de 125,4 milions d\u2019euros l\u2019any 2024, un 6,71\u00a0% m\u00e9s que l\u2019any anterior, i el risc viu total es va situar en 338,6 milions. Les ampliacions de capital van disminuir tant en nombre \u2014amb 778 empreses i una caiguda del 5,47\u00a0%\u2014 com en volum \u2014amb 543,5 milions d\u2019euros i una reducci\u00f3 del 12,50\u00a0%\u2014, en l\u00ednia amb la contracci\u00f3 observada en el conjunt estatal. <\/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 Aquest cap\u00edtol analitza l\u2019evoluci\u00f3 dels principals indicadors financers de l\u2019economia balear durant l\u2019any 2025 i els posa en relaci\u00f3 amb les xifres i tend\u00e8ncies observades en el conjunt de l\u2019Estat. L\u2019exercici va estar marcat per la coincid\u00e8ncia de dos factors favorables: d\u2019una banda, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1655,"comment_status":"closed","ping_status":"closed","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 v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>7. 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