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El Gobierno impondrá provisiones más duras a la banca para el ‘ladrillo sano’
El Gobierno tiene previsto dar el viernes otra vuelta de tuerca al saneamiento financiero
Exigirá mayores provisiones para los créditos considerados no dudosos
EFE Madrid8 MAY 2012 - 21:04 CET
The Government will impose tougher provisions for banks 'healthy brick'
The government plans to give on Friday another twist to the financial restructuring
Require higher provisions for doubtful loans not considered
Madrid EFE 8 MAY 2012 - 21:04 CET
The government plans to give on Friday another twist to the financial restructuring
Require higher provisions for doubtful loans not considered
Madrid EFE 8 MAY 2012 - 21:04 CET
The government plans to give on Friday another twist to the consolidation of banking, which require higher provisions for doubtful loans not considered, as reported Efe funders.
Thus, the Government of Mariano Rajoy will be imposed on the bench in two batches sanitation of real estate assets that exceed the 75,000 million euros, since the initial 54,000 million would be added an amount not yet determined but will be located between 20,000 and 40,000 million.
Without knowing the final details of the new reform, some bankers have today made the fuss over what they consider a "nonsense" because of the possible consequences in the Spanish financial system.
more informationThe Bank of Spain looks out of the balance of the banking assets of the brickThe supervisor requires new measures to various entities that are reorganizedAmounted to 52,000 million Guindos the impact of financial reformThe dealer will separate the brick companies long-term settlement
The Economy Minister Luis de Guindos, was the one who put a price for the first time financial restructuring: in January estimated that banks should be provisioned over 50,000 million euros to bring the book value of its property assets to market. In February, when regulators began to publish the impact of the reform bills began to be apparent that the industry in fact did not intend to create large capital buffers to cover the risk of real estate assets, and were taking the changes as accounting adjustments.
The new reform, which will go beyond the 50,000 million initially announced by De Guindos, is because, beyond going enfcada to doubtful assets accumulated by the banks, the new provisions will fall on the portfolio of loans to the builder and developer hitherto considered "no problem", about 140,000 million.
The total exposure of Spanish banks to "brick" of around 320,000 million and the Government decided in early February that it was necessary to increase especially the provisions on toxic assets, some 180,000 million. This item includes non-performing loans problem or likely to be, and foreclosed assets, and forced banks to strengthen its provisions in 2012 more than 40,000 million, provided that no mergers assailed, giving an extension of one year.
140,000 million in assets 'no problem'
As for the troubled assets, the 140,000 million at that time requested Economics entities also strengthen its provisions to 7% to cover the portfolio, forcing them to treasure about 10,000 million. However, given the distrust of markets and the fear that assets end up to be so problematic if the economic situation does not improve and defaults still rising, the Government will also raise the provisions of the portfolio "healthy".
Depending on how hard you are the new requirements, banks will be forced to strengthen its provisions more or less. Although experts assume that the figure is between 20,000 and 40,000 million, will depend on how far the current rise of 7% general provision for the healthy assets and could rise to 30%, but could be differentiated by type of asset , penalizing especially the ground in front of the house finished.
Moreover, the idea of the executive is to require the new provisions also this year, as it seeks to do so within a "very short", which puts more pressure on entities that could enter into losses.
If the Government intends to adopt on Friday also the formula for the bank transfers its property risk to other companies, institutions may benefit from this transfer of assets after completion of the additional sanitation. With the latest amendment approved by the Executive were covered by 80% the troubled assets in the case of soil, 65% for current promotions and 35% in completed buildings and housing.
Unicaja, Ibercaja, BMN and Liberbank group, which in recent weeks had contacts to achieve merger, talks have stalled waiting to know the scope of the new measures the Government for the financial sector, according to sources close to these entities.
Thus, the Government of Mariano Rajoy will be imposed on the bench in two batches sanitation of real estate assets that exceed the 75,000 million euros, since the initial 54,000 million would be added an amount not yet determined but will be located between 20,000 and 40,000 million.
Without knowing the final details of the new reform, some bankers have today made the fuss over what they consider a "nonsense" because of the possible consequences in the Spanish financial system.
more informationThe Bank of Spain looks out of the balance of the banking assets of the brickThe supervisor requires new measures to various entities that are reorganizedAmounted to 52,000 million Guindos the impact of financial reformThe dealer will separate the brick companies long-term settlement
The Economy Minister Luis de Guindos, was the one who put a price for the first time financial restructuring: in January estimated that banks should be provisioned over 50,000 million euros to bring the book value of its property assets to market. In February, when regulators began to publish the impact of the reform bills began to be apparent that the industry in fact did not intend to create large capital buffers to cover the risk of real estate assets, and were taking the changes as accounting adjustments.
The new reform, which will go beyond the 50,000 million initially announced by De Guindos, is because, beyond going enfcada to doubtful assets accumulated by the banks, the new provisions will fall on the portfolio of loans to the builder and developer hitherto considered "no problem", about 140,000 million.
The total exposure of Spanish banks to "brick" of around 320,000 million and the Government decided in early February that it was necessary to increase especially the provisions on toxic assets, some 180,000 million. This item includes non-performing loans problem or likely to be, and foreclosed assets, and forced banks to strengthen its provisions in 2012 more than 40,000 million, provided that no mergers assailed, giving an extension of one year.
140,000 million in assets 'no problem'
As for the troubled assets, the 140,000 million at that time requested Economics entities also strengthen its provisions to 7% to cover the portfolio, forcing them to treasure about 10,000 million. However, given the distrust of markets and the fear that assets end up to be so problematic if the economic situation does not improve and defaults still rising, the Government will also raise the provisions of the portfolio "healthy".
Depending on how hard you are the new requirements, banks will be forced to strengthen its provisions more or less. Although experts assume that the figure is between 20,000 and 40,000 million, will depend on how far the current rise of 7% general provision for the healthy assets and could rise to 30%, but could be differentiated by type of asset , penalizing especially the ground in front of the house finished.
Moreover, the idea of the executive is to require the new provisions also this year, as it seeks to do so within a "very short", which puts more pressure on entities that could enter into losses.
If the Government intends to adopt on Friday also the formula for the bank transfers its property risk to other companies, institutions may benefit from this transfer of assets after completion of the additional sanitation. With the latest amendment approved by the Executive were covered by 80% the troubled assets in the case of soil, 65% for current promotions and 35% in completed buildings and housing.
Unicaja, Ibercaja, BMN and Liberbank group, which in recent weeks had contacts to achieve merger, talks have stalled waiting to know the scope of the new measures the Government for the financial sector, according to sources close to these entities.
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