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スペインの国有化されたBANKIA銀行の1000万0000人の利用者の2313億9000万0000ユーロの預金(うち定期預金は1553億3800万0000ユーロ)と40万0000人の株主は、どうなるのか?注入された公的資金は長年戻ら無い?
¿Qué pasa con los ahorradores de Bankia?
La decisión del Gobierno de inyectar fondos en la entidad reforzará su viabilidad
El batacazo en Bolsa provoca fuertes minusvalías en los accionistas
What about savers Bankia?
The Government's decision to inject funds in the state will increase its viability
The bump in the stock market causes severe losses in shareholder
A. ROMERO / A. BOLAÑOS Madrid 17 MAY 2012 - 13:39 CET
The Government's decision to inject funds in the state will increase its viability
The bump in the stock market causes severe losses in shareholder
A. ROMERO / A. BOLAÑOS Madrid 17 MAY 2012 - 13:39 CET
Bankia is one of the four main banks in the country with 10 million customers and about 400,000 shareholders. Questions about their future are thronging after the forced departure of Rodrigo Rato, the apparent viability problems by dragging the heavy burden of real estate assets and the request for partial nationalization launched by the new entity manager, Jose Ignacio Goirigolzarri. In total, Bankia manages client funds by 231,390 million, of which 155 338 000 correspond to deposits, as reported in its latest published results for the end of 2011. The Ministry of Economy, first, and Mariano Rajoy himself insisted in asking for peace of mind to savers. Customers and shareholders of the entity are yet restless, and consultations by telephone and in person at the office, have soared.
How does it affect customers nationalization?
It is a measure requested by the new manager of the entity, on which not yet know all the details. However, the state's entry into the capital of the entity is, a priori, positive for customers, to dispel the doubts: the public purse will assume the most problematic assets, which are concentrated in the Bank and Financial Savings (BFA), Bankia matrix, which functions as a sort of bad bank of the entity.
What is the Guarantee Fund?
In case of bankruptcy of an entity law provides that the Deposit Guarantee Fund, an instrument funded by themselves, cover up to € 100,000 per saver and bank if a bank or savings bank into receivership. Coverage, covering both the tank and the money is taken into account, is doubled if two owners. This limit of € 100,000 was set by the government after the collapse of Lehman Brothers to boost confidence in the European financial system.
more informationFinance ensures the future of Bankia being unsure of saversRajoy accepted inject public money into banks after the failure of his reformThe Bank of Spain and Economy finalize a profound reorganization of BankiaBankia shares accentuate their stock market falls after the departure of Rato
However, following the decision in October by the previous government it was the industry itself who paid the ransom, it was stipulated that the money needed to help troubled institutions come out of this fund, which has left him little joy . This piggy bank currently has assets 2,350 million (no public data), including contributions from 2011. Each year about 2,000 million will be raised.
On the opposite side, has spent 8,500 million. So far, the fund has paid the 1,300 million were placed in CCM; 5.289 million for CAM, 953 million and 1,000 million Unnim in Banco de Valencia. Next to it is committed to cover 80% of the possible default to appear on their credit portfolios. According to estimates, could reach 6,250 million on a total of 27,000 million.
¿I can get my money when I want?
Remember that deposits and fixed income products provide a number of conditions to recover the money, the fine print. Therefore, in addition to the penalty for early redemptions, an entity may impose limits on both the amounts of money on the timing in which they can withdraw the funds.
As for the money that customers have on deposit accounts can be transferred without limitation, through both online and in their own offices. To cancel an account, however, must be filed in the office all holders of the same.
How does it affect shareholders nationalization?
Nationalization is done by conversion into shares of the 4.465 million that the State had already injected in the form of preference shares to BFA, which is not listed. However, Bankia itself is on the floor. Recent events have led to strong sales on the stock, and have increased in recent days to reach peak yield to 29% in one day. Since Rato announced his resignation on Monday May 7 fell by about 50%. The fluctuations in the price have occurred without any communication mediate to the National Securities Market. And no-one stock market regulator.
One of the options on the table for the future of the entity, the possibility of a decision to merge with its parent Bankia, Finance and Savings Bank (which in turn owns 45% of Bankia) would dilute the value of the action, causing further declines in price. Since it went public in July 2011 at a price of 3.75 euros per share, Bankia has lost about 70% of its value.
How does it affect taxpayers nationalization?
Public money was already in Bankia, or more specifically, its bad bank, the BFA. But now that loan, whereby the state would receive an 8% interest, then turns into action, making the prospects of when public money will be recovered are now much more uncertain. For Unnim, where also the preference shares were converted into shares, the Government transferred its ownership to the Deposit Guarantee Fund, the fund of the bank, which is who took the losses when it sold Unnim to BBVA. It is not clear that this may happen again: The Deposit Guarantee Fund will also want to transfer shares and Novacaixagalicia CatalunyaCaixa, pending auction, totaling 6,500 million of other public injections. And the bottom of the bank only has about 2,500 million available assets.
Two other factors analyzed in this public intervention: if the conversion into shares end up increasing the deficit, the Government argues that, for now, no. Yet another poignant: all you have to make adjustments on fixed assets have more than 4,500 million in BFA for no one knows how long. To cite one example is a figure similar to adjusting the government and community planning in education through increases in tuition fees and increases in class size ratios and working hours of teachers.
How does it affect customers nationalization?
It is a measure requested by the new manager of the entity, on which not yet know all the details. However, the state's entry into the capital of the entity is, a priori, positive for customers, to dispel the doubts: the public purse will assume the most problematic assets, which are concentrated in the Bank and Financial Savings (BFA), Bankia matrix, which functions as a sort of bad bank of the entity.
What is the Guarantee Fund?
In case of bankruptcy of an entity law provides that the Deposit Guarantee Fund, an instrument funded by themselves, cover up to € 100,000 per saver and bank if a bank or savings bank into receivership. Coverage, covering both the tank and the money is taken into account, is doubled if two owners. This limit of € 100,000 was set by the government after the collapse of Lehman Brothers to boost confidence in the European financial system.
more informationFinance ensures the future of Bankia being unsure of saversRajoy accepted inject public money into banks after the failure of his reformThe Bank of Spain and Economy finalize a profound reorganization of BankiaBankia shares accentuate their stock market falls after the departure of Rato
However, following the decision in October by the previous government it was the industry itself who paid the ransom, it was stipulated that the money needed to help troubled institutions come out of this fund, which has left him little joy . This piggy bank currently has assets 2,350 million (no public data), including contributions from 2011. Each year about 2,000 million will be raised.
On the opposite side, has spent 8,500 million. So far, the fund has paid the 1,300 million were placed in CCM; 5.289 million for CAM, 953 million and 1,000 million Unnim in Banco de Valencia. Next to it is committed to cover 80% of the possible default to appear on their credit portfolios. According to estimates, could reach 6,250 million on a total of 27,000 million.
¿I can get my money when I want?
Remember that deposits and fixed income products provide a number of conditions to recover the money, the fine print. Therefore, in addition to the penalty for early redemptions, an entity may impose limits on both the amounts of money on the timing in which they can withdraw the funds.
As for the money that customers have on deposit accounts can be transferred without limitation, through both online and in their own offices. To cancel an account, however, must be filed in the office all holders of the same.
How does it affect shareholders nationalization?
Nationalization is done by conversion into shares of the 4.465 million that the State had already injected in the form of preference shares to BFA, which is not listed. However, Bankia itself is on the floor. Recent events have led to strong sales on the stock, and have increased in recent days to reach peak yield to 29% in one day. Since Rato announced his resignation on Monday May 7 fell by about 50%. The fluctuations in the price have occurred without any communication mediate to the National Securities Market. And no-one stock market regulator.
One of the options on the table for the future of the entity, the possibility of a decision to merge with its parent Bankia, Finance and Savings Bank (which in turn owns 45% of Bankia) would dilute the value of the action, causing further declines in price. Since it went public in July 2011 at a price of 3.75 euros per share, Bankia has lost about 70% of its value.
How does it affect taxpayers nationalization?
Public money was already in Bankia, or more specifically, its bad bank, the BFA. But now that loan, whereby the state would receive an 8% interest, then turns into action, making the prospects of when public money will be recovered are now much more uncertain. For Unnim, where also the preference shares were converted into shares, the Government transferred its ownership to the Deposit Guarantee Fund, the fund of the bank, which is who took the losses when it sold Unnim to BBVA. It is not clear that this may happen again: The Deposit Guarantee Fund will also want to transfer shares and Novacaixagalicia CatalunyaCaixa, pending auction, totaling 6,500 million of other public injections. And the bottom of the bank only has about 2,500 million available assets.
Two other factors analyzed in this public intervention: if the conversion into shares end up increasing the deficit, the Government argues that, for now, no. Yet another poignant: all you have to make adjustments on fixed assets have more than 4,500 million in BFA for no one knows how long. To cite one example is a figure similar to adjusting the government and community planning in education through increases in tuition fees and increases in class size ratios and working hours of teachers.
スペインの国有化されたBANKIA銀行の1000万0000人の利用者の2313億9000万0000ユーロの預金(うち定期預金は1553億3800万0000ユーロ)と40万0000人の株主は、どうなるのか?注入された公的資金は長年戻ら無い?
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