<?xml version="1.0" encoding="ISO-8859-1"?><article xmlns:mml="http://www.w3.org/1998/Math/MathML" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
<front>
<journal-meta>
<journal-id>1405-2253</journal-id>
<journal-title><![CDATA[América Latina en la historia económica]]></journal-title>
<abbrev-journal-title><![CDATA[Am. Lat. Hist. Econ]]></abbrev-journal-title>
<issn>1405-2253</issn>
<publisher>
<publisher-name><![CDATA[Instituto de Investigaciones Dr. José María Luis Mora]]></publisher-name>
</publisher>
</journal-meta>
<article-meta>
<article-id>S1405-22532025000200008</article-id>
<article-id pub-id-type="doi">10.18232/20073496.1532</article-id>
<title-group>
<article-title xml:lang="es"><![CDATA[La competencia por el mercado minorista del ahorro en España, cajas de ahorros versus banca privada, 1900-1935]]></article-title>
<article-title xml:lang="en"><![CDATA[Competition for the retail savings market in Spain, savings banks versus private banks, 1900-1935]]></article-title>
</title-group>
<contrib-group>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Hoyo-Aparicio]]></surname>
<given-names><![CDATA[Andrés]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
<contrib contrib-type="author">
<name>
<surname><![CDATA[Martínez-Soto]]></surname>
<given-names><![CDATA[Ángel Pascual]]></given-names>
</name>
<xref ref-type="aff" rid="Aff"/>
</contrib>
</contrib-group>
<aff id="Af1">
<institution><![CDATA[,Universidad de Cantabria  ]]></institution>
<addr-line><![CDATA[Santander ]]></addr-line>
<country>Spain</country>
</aff>
<aff id="Af2">
<institution><![CDATA[,Universidad de Murcia  ]]></institution>
<addr-line><![CDATA[Murcia ]]></addr-line>
<country>Spain</country>
</aff>
<pub-date pub-type="pub">
<day>00</day>
<month>08</month>
<year>2025</year>
</pub-date>
<pub-date pub-type="epub">
<day>00</day>
<month>08</month>
<year>2025</year>
</pub-date>
<volume>32</volume>
<numero>2</numero>
<copyright-statement/>
<copyright-year/>
<self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_arttext&amp;pid=S1405-22532025000200008&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_abstract&amp;pid=S1405-22532025000200008&amp;lng=en&amp;nrm=iso"></self-uri><self-uri xlink:href="http://www.scielo.org.mx/scielo.php?script=sci_pdf&amp;pid=S1405-22532025000200008&amp;lng=en&amp;nrm=iso"></self-uri><abstract abstract-type="short" xml:lang="es"><p><![CDATA[Resumen En el presente artículo, se describe, contextualiza y analiza las estrategias que se pusieron en marcha y los resultados que cada sector &#8211;las cajas de ahorros benéficas de España y la banca privada&#8211; obtuvo en términos de control del segmento de los depósitos denominados de "caja de ahorros" en el conjunto de España. Nuestra conclusión es que la banca privada, a pesar de su expansión por medio de absorciones y la apertura de sucursales, y de haber contado con importantes apoyos institucionales, no logró acaparar el mercado minorista del ahorro.]]></p></abstract>
<abstract abstract-type="short" xml:lang="en"><p><![CDATA[Abstract This article describes, contextualizes and analyzes the strategies that were implemented and the results that each sector &#8211;the charitable savings banks of Spain and private banks&#8211; obtained in terms of control of the so-called deposit segment "savings bank" across Spain. Our conclusion is that private banking, despite its expansion through absorptions and the opening of branches, and having had important institutional support, failed to corner the retail savings market.]]></p></abstract>
<kwd-group>
<kwd lng="es"><![CDATA[mercado minorista de ahorro]]></kwd>
<kwd lng="es"><![CDATA[cajas de ahorros]]></kwd>
<kwd lng="es"><![CDATA[banca privada]]></kwd>
<kwd lng="es"><![CDATA[competencia financiera]]></kwd>
<kwd lng="es"><![CDATA[control del mercado]]></kwd>
<kwd lng="en"><![CDATA[retail savings market]]></kwd>
<kwd lng="en"><![CDATA[savings banks]]></kwd>
<kwd lng="en"><![CDATA[private banking]]></kwd>
<kwd lng="en"><![CDATA[financial competition]]></kwd>
<kwd lng="en"><![CDATA[market monitoring]]></kwd>
</kwd-group>
</article-meta>
</front><back>
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