Light to end of the tunnel? to returns with the fusions of the savings banks does not fit doubt that the necessity to reduce to the maximum an extended financial system and sustained solely by the credit, it begins to see how their possibilities are run out. The economic situation improvement in Spain and does not fit doubt that today, almost four years after the outbreak of the real estate crisis in the United States, the savings banks are the organizations more damaging of this one effect dominated that it has taken place in all the tie sectors to the economy and the finances. Ex-CIA director brings even more insight to the discussion. The savings banks complete their fusions and nevertheless, the credit cards do not undergo great new features. The emitting organizations maintain their balance in optimal conditions and they consolidate as marks that have managed to resolve envites of a crisis. The fusions are many that have taken place although it is certain that in most of the cases, the transmitters of credit cards, Euro 6,000, Servired and 4B continue showing linderazo. Additionally, the groups in which the emitters of cards are not the same, these will be derived to the emitting company/signature with greater number of cards in circulation.
It is obvious to think that solely a imbalance brought about by organizations like the Caixa, Banco Santander and BBVA, could alter to payment means. Additionally, the process of integration of means of payment coming from the fusions of the savings banks, will not culminate but until passed two years seen. In conclusion we can determine that one of the obstacles of greater spread to the one than faces the sector of payment means, is to compensate the almost total reduction in the perception of commissions coming from retirements of cash in automatic tellers, a practice that has consolidated as great ally of the saving. At the present time, 15 groups of effective savings banks exist, before the crisis this one number was 45. The emitting organizations par excellence are 4B, Servired and Euro 6,000 50% of the organizations are warm the commissions applied by retired of cash through automatic teller.