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スペインのBANKIA銀行の不良債権問題で、元7つの信用金庫の社会福祉事業は、資金なしで、中止に追い込まれる
La obra social de las siete cajas de Bankia se queda en el aire
Las pérdidas de la matriz BFA impiden entregar dinero a sus accionistas
Las cajas, condenadas a perder peso en el grupo
The social work of the seven boxes Bankia stays in the air
The loss prevented the BFA matrix giving money to shareholders
The housings are doomed to lose weight in the group
Miguel Jimenez / Amanda Madrid Mars 11 MAY 2012 - 00:01 CET
The loss prevented the BFA matrix giving money to shareholders
The housings are doomed to lose weight in the group
Miguel Jimenez / Amanda Madrid Mars 11 MAY 2012 - 00:01 CET
The financial problems Financial Savings Bank (BFA), the group of Bankia, will wake the lack of funds to contribute to the social work of the seven savings banks that founded the group. Accounts registered in the National Stock Exchange show that BFA, as an individual company posted losses of 439.3 million euros in 2011. That has prevented BFA dividends at seven savings banks that are part of its shareholders and that these, in turn, required to make contributions to social work.
The social work has been one of the most distinctive of the savings banks in the Spanish financial system. Entities destined to it a portion of their profits. But with the advent of the crisis, the losses incurred by certain entities, the transfer to banks in their financial business and the nationalization of some of these boxes unbanked are threatening the financing of the social activities of savings banks. In the case of some of the rescued and then auctioned, acquiring banks have pledged to keep on hand, as with Sabadell and BBVA and CAM Unnim.
Gorigolzarri promises to keep a part of humanitarian work
In the case of BFA, the matrix of Bankia, seven boxes provided their financial business to the new entity in exchange for a stake in the new group. It was assumed that the new structure, the boxes, which were as BFA shareholders would receive dividends from this entity to turn aside the money to allocations for social work. With no profits or dividends, or BFA, there will be funds generated by the financial business to devote to social work. Moreover, this situation continued with nationalization. Losing the seven boxes or see reduced to a minimum participation in BFA, and also receive dividends (or only a very small amount) in the future, even assuming that the entity straighten its course and return to profitability.
Back to the discourse of care
The transformation of the social work of the savings banks explains well the development of Spain. Economic growth, universal health care and the extension of welfare state institutions allowed to give more weight to focus on their work to cultural, research and environment. He explains Victorio Valle, former director of Func (the foundation of analysis of the savings banks), the report The social dividend boxes (papers in economics, 100, 2004) that analyzes the period 1992-2002. With the outbreak of the crisis, the needs of Spanish society has changed and altruistic work of the organizations have also worked in a spin move to devote more resources to the charitable nature.
Caja Madrid warns in its 2010 annual report of the "new social demands arising from the adverse economic situation" and thus explains that "throughout the year has paid special attention to the social integration of vulnerable groups." The case of Madrid, with 110 centers and 35 own assigned management, has programs for elderly people at risk of social exclusion and education, among others.
Bancaja Social Work, with nearly one hundred centers, covering culture, social development and youth. "We are now prioritizing the social and more young people, but not neglect the cultural" sources also explain the case.
The boxes, however, have a surplus from previous years, thus the lack of new funds will not guarantee an immediate cessation of these activities welfare, cultural and social. But everything is in the air. For example, the House On, one of the main symbols of the Caja Madrid in the cultural area, is owned by the bank. But the budget that will from now on to finance its activity is uncertain. And that is the case with all social work Bankia boxes: the scheme is to be defined.
Bankia's new president, Jose Ignacio Goirigolzarri, advanced Wednesday night at the meeting of the Board on taking office, he will seek the formula still maintain at least part of the social work of the boxes savings, especially those related to services provided to customers. Currently, the seven boxes that were integrated into Bankia have a cushion of savings or remaining for three years, according to financial sources. And is that the fat years of the benefits of the boxes to get juicy served endowments. In the case of Caja Madrid, the record was achieved with 252 million by the year 2007, and the Bancaja, with 83 million by the year. The social work also has owned assets such as property or income from funded private schools or pawnshops.
But the scarcity of resources has already been noticed in the last year. The allocations fell from that golden 2007, especially last year, and this year have disappeared. The Caja Madrid has not received funding from the results of the 2012 BFA, so the budget for its activities this year, some 53 million euros (33% less), comes only from their business income ( 18 million euros) and 31 million of the reserve fund, ie, savings, according to sources of the savings bank.
The institution has had to close or transfer councils, day centers for adults and libraries, in some cases to avoid duplication, particularly in the Community of Madrid. But also prepares the cessation of libraries such as Madrid and Santiago de Compostela.
Gecesa, the company 100% through Caja Madrid which manages the centers of Social Work, will reduce a hundred jobs. The company on Monday signed an agreement with the works council on a record of employment regulation (ERE), the sources said. The pact offers workers early retirement from 55 years, excludes those who are over 50 of the layoffs and the rest opens a period of redundancy compensation with pre-labor reform, ie, 45 days per year worked.
For the second big box group, Bancaja, the budget has been for 2012 by 28.3 million, up 22%. The entity does not have news of what the future of the activity in the medium term.
"No money for social work, everyone will be paralyzed and associative banks will not cover everything that is done here, they are not required," lamented the employee of one of the foundations of Bankia.
Sorolla at the Lit House
"Project Generation, Generation 2013". One of the projects in the cultural field of Caja Madrid and select 10 artworks of young people with a budget of 12,000 euros, according to the foundation this year. The elect will be exhibited at The House On, surely the most popular cultural center of Madrid entity.
In 2010, for example, the scheduling of conferences, exhibitions and concert attracted 734,864 people. In addition to the social and cultural, Caja Madrid's work also includes education (scholarships and research centers) and the environment. In Barcelona, is Espai Cultural center in which the entity conducts its cultural activities.
In the case of Bancaja, among the cultural heritage of the entity highlights a collection of works by Joaquin Sorolla. The case of Valencia, also conducted a flashy exhibition in 2009, Sorolla: A Vision of Spain, with works from the Hispanic Society of America and the collaboration of the National Museum of Catalan Art (MNAC).
The Valencian entity also work out chest retrieval and dissemination of the graphic work of Picasso, which has received an award.
Training programs and helps entrepreneurs and international scholarships are the main programs of the area for young people.
The social work has been one of the most distinctive of the savings banks in the Spanish financial system. Entities destined to it a portion of their profits. But with the advent of the crisis, the losses incurred by certain entities, the transfer to banks in their financial business and the nationalization of some of these boxes unbanked are threatening the financing of the social activities of savings banks. In the case of some of the rescued and then auctioned, acquiring banks have pledged to keep on hand, as with Sabadell and BBVA and CAM Unnim.
Gorigolzarri promises to keep a part of humanitarian work
In the case of BFA, the matrix of Bankia, seven boxes provided their financial business to the new entity in exchange for a stake in the new group. It was assumed that the new structure, the boxes, which were as BFA shareholders would receive dividends from this entity to turn aside the money to allocations for social work. With no profits or dividends, or BFA, there will be funds generated by the financial business to devote to social work. Moreover, this situation continued with nationalization. Losing the seven boxes or see reduced to a minimum participation in BFA, and also receive dividends (or only a very small amount) in the future, even assuming that the entity straighten its course and return to profitability.
Back to the discourse of care
The transformation of the social work of the savings banks explains well the development of Spain. Economic growth, universal health care and the extension of welfare state institutions allowed to give more weight to focus on their work to cultural, research and environment. He explains Victorio Valle, former director of Func (the foundation of analysis of the savings banks), the report The social dividend boxes (papers in economics, 100, 2004) that analyzes the period 1992-2002. With the outbreak of the crisis, the needs of Spanish society has changed and altruistic work of the organizations have also worked in a spin move to devote more resources to the charitable nature.
Caja Madrid warns in its 2010 annual report of the "new social demands arising from the adverse economic situation" and thus explains that "throughout the year has paid special attention to the social integration of vulnerable groups." The case of Madrid, with 110 centers and 35 own assigned management, has programs for elderly people at risk of social exclusion and education, among others.
Bancaja Social Work, with nearly one hundred centers, covering culture, social development and youth. "We are now prioritizing the social and more young people, but not neglect the cultural" sources also explain the case.
The boxes, however, have a surplus from previous years, thus the lack of new funds will not guarantee an immediate cessation of these activities welfare, cultural and social. But everything is in the air. For example, the House On, one of the main symbols of the Caja Madrid in the cultural area, is owned by the bank. But the budget that will from now on to finance its activity is uncertain. And that is the case with all social work Bankia boxes: the scheme is to be defined.
Bankia's new president, Jose Ignacio Goirigolzarri, advanced Wednesday night at the meeting of the Board on taking office, he will seek the formula still maintain at least part of the social work of the boxes savings, especially those related to services provided to customers. Currently, the seven boxes that were integrated into Bankia have a cushion of savings or remaining for three years, according to financial sources. And is that the fat years of the benefits of the boxes to get juicy served endowments. In the case of Caja Madrid, the record was achieved with 252 million by the year 2007, and the Bancaja, with 83 million by the year. The social work also has owned assets such as property or income from funded private schools or pawnshops.
But the scarcity of resources has already been noticed in the last year. The allocations fell from that golden 2007, especially last year, and this year have disappeared. The Caja Madrid has not received funding from the results of the 2012 BFA, so the budget for its activities this year, some 53 million euros (33% less), comes only from their business income ( 18 million euros) and 31 million of the reserve fund, ie, savings, according to sources of the savings bank.
The institution has had to close or transfer councils, day centers for adults and libraries, in some cases to avoid duplication, particularly in the Community of Madrid. But also prepares the cessation of libraries such as Madrid and Santiago de Compostela.
Gecesa, the company 100% through Caja Madrid which manages the centers of Social Work, will reduce a hundred jobs. The company on Monday signed an agreement with the works council on a record of employment regulation (ERE), the sources said. The pact offers workers early retirement from 55 years, excludes those who are over 50 of the layoffs and the rest opens a period of redundancy compensation with pre-labor reform, ie, 45 days per year worked.
For the second big box group, Bancaja, the budget has been for 2012 by 28.3 million, up 22%. The entity does not have news of what the future of the activity in the medium term.
"No money for social work, everyone will be paralyzed and associative banks will not cover everything that is done here, they are not required," lamented the employee of one of the foundations of Bankia.
Sorolla at the Lit House
"Project Generation, Generation 2013". One of the projects in the cultural field of Caja Madrid and select 10 artworks of young people with a budget of 12,000 euros, according to the foundation this year. The elect will be exhibited at The House On, surely the most popular cultural center of Madrid entity.
In 2010, for example, the scheduling of conferences, exhibitions and concert attracted 734,864 people. In addition to the social and cultural, Caja Madrid's work also includes education (scholarships and research centers) and the environment. In Barcelona, is Espai Cultural center in which the entity conducts its cultural activities.
In the case of Bancaja, among the cultural heritage of the entity highlights a collection of works by Joaquin Sorolla. The case of Valencia, also conducted a flashy exhibition in 2009, Sorolla: A Vision of Spain, with works from the Hispanic Society of America and the collaboration of the National Museum of Catalan Art (MNAC).
The Valencian entity also work out chest retrieval and dissemination of the graphic work of Picasso, which has received an award.
Training programs and helps entrepreneurs and international scholarships are the main programs of the area for young people.
スペインのBANKIA銀行の不良債権問題で、元7つの信用金庫の社会福祉事業は、資金なしで、中止に追い込まれる
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