{
  "id": 16233640,
  "title": "Agent AI, European account and sovereign debt threaten bank deposits",
  "url": "https://urgent.news/2026/10/23/la-ia-agentica-la-cuenta-europea-y-la-deuda-soberana-amenazan-los",
  "topic": "business",
  "section": "Business",
  "published": "2026-10-23T22:02:18.000Z",
  "source": {
    "name": "Expansion ES",
    "slug": "expansion-es",
    "url": "https://www.expansion.com/empresas/banca/2026/10/24/6ad74ae7e5fdeadc6a8b45a5.html"
  },
  "original_language": "es",
  "account": "CaixaBank and Unicaja have the largest proportion of unremunerated deposits in their balance sheets, with 73% of deposits not earning interest, according to UBS data. The Spanish banking sector is under scrutiny due to its high volume of unremunerated deposits, which totals over €1 trillion. The emergence of artificial intelligence agents, such as Meta's Muse, is expected to increase competition for deposits and drive up costs. European banks, including those in Spain, face pressure on their stock prices due to rising sovereign debt yields and the threat of autonomous AI reducing their margins.",
  "summary": "Investment banking predicts more struggle for client resources and higher costs. CaixaBank and Unicaja have the largest proportion of non-remunerated money on their balance sheet.",
  "key_points": [
    "European AI agents, like Meta's Muse, could redirect bank deposits to more profitable options",
    "Spain holds the largest proportion of non-interest-bearing deposits among European banks",
    "Sovereign debt yields, including Spain's, now offer competitive, risk-free returns"
  ],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}