gap comercial

12:18 Feb 2, 2012
This question was closed without grading. Reason: No acceptable answer

Spanish to English translations [PRO]
Bus/Financial - Accounting / Annual report
Spanish term or phrase: gap comercial
In the annual report of a Spanish bank:

La evolución de la inversión crediticia de clientes y de los recursos de clientes en balance ha permitido generar un gap comercial de XX millones de euros durante el ejercicio de 2011.

I've found "Commercial gap" in the English versions of several other Spanish banks' annual reports, but as these are all translations, I'm not entirely convinced.

Any help appreciated.
Helen Johnston
Local time: 04:32

Summary of answers provided
4Commercial Gap
Benjamin A Flores
4liquidity gain
3 -1jaws ratio
John Rynne

Discussion entries: 14



46 mins   confidence: Answerer confidence 4/5Answerer confidence 4/5
Commercial Gap

al parecer es un anglicismo. Definitivamente no es ninguna forma de Trade, ya que esto se relaciona a naciones y no clientes y cuentas de un banco particular.
Los créditos de la banca superan en 800.000 millones el total de los ... - Translate this page
12 Nov 2008 – Ésta es la diferencia entre los créditos concedidos y los depósitos captados -lo que las entidades denominan gap comercial-, según cifras de ...
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Benjamin A Flores
Local time: 20:32
Works in field
Native speaker of: Spanish
PRO pts in category: 4
Notes to answerer
Asker: Muchas gracias Benjamin! Estoy de acuerdo que parece un anglicismo, pero ya que no he conseguido encontrar la expresión en ninguna web EN original (es decir no traducido de ES), no acaba de convencerme.

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4 hrs   confidence: Answerer confidence 3/5Answerer confidence 3/5 peer agreement (net): -1
jaws ratio

It's not exactly the same as the standard definition in English, but it's in the right ballpark

John Rynne
Local time: 04:32
Works in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 101

Peer comments on this answer (and responses from the answerer)
disagree  philgoddard: This is something completely different.
2 hrs
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9 hrs   confidence: Answerer confidence 4/5Answerer confidence 4/5
liquidity gain

I was puzzled by this question, because like several others, I found the original text, and the balance sheet involved, but there was no actual line showing the "excedente comercial". From the paragraph the question comes from, it is clear that the "gap" is no more than the difference between the increase in loans and the increase in customer deposits, which will provide either more or less liquidity. By googling "gap de liquidez" + the bank's name, I got the following for the 2008 balance sheet, which uses similar terminology to the 2011 statements, but refers specifically to liquidity.

Por su parte, la inversión crece un 6,8%. La financiación del circulante de las empresas ha crecido a un buen ritmo, tanto en cuota como en volúmenes de negocio, destacando en este apartado la operativa de ´factoring´ y ´confirming´, que, en conjunto, ha sido un 10,6% superior a la registrada tras el mismo periodo del año anterior.

El excedente de liquidez generado por la favorable evolución del gap entre depósitos e inversión, unido a los activos elegibles para su redescuento, proporciona al banco liquidez suficiente para hacer frente a su calendario de vencimientos hasta el 2010.

Note added at 9 hrs (2012-02-02 22:07:06 GMT)

liquidity surplus might be a better option

Note added at 23 hrs (2012-02-03 11:43:20 GMT)

Hi Helen! Yes, I would not use liquidity gap either, it is a gain in this case (or could be a loss, depending on how the variables moved during the year)

Local time: 23:32
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 421
Notes to answerer
Asker: Hi Patinba, and thanks! I wondered about liquidity gap, but looking at Barclays Bank results (see page 134 liquidity gap refers to matching the future maturities of financial assets and liabilities, and I think "gap comercial" refers to their past performance.

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