¿A dónde vamos? El miedo a lo desconocido - El Independiente

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¿A dónde vamos? El miedo a lo desconocido

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¿A dónde vamos? El miedo a lo desconocido

Resumen:

En 2006 había 45 Cajas de Ahorros. Y competían con los bancos nacionales, grandes y pequeños, que alguno subsistía, como el Guipuzcoano o el Pastor. Y también competían con sucursales españolas de gigantes internacionales, como Citi, Deutsche o Barclays. Podemos decir que había unos 60 jugadores activos en el negocio de la banca comercial. Y ahí no incluimos otras entidades que participaban en negocios adyacentes como los mercados de capitales o banca privada.

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","iv":"7b5ee1b56f237c0569cb1a2dc3074ac0","s":"a4126e30f2e478bb"}
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