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スペインのCAIXA BANC は、2012年1月ー3月には、37億3500万0000ユーロの不良債権のための(73%)損失対策貯蔵金(担保?)を確保した後、1億6600万0000ユーロの利益を得た、流動資金は424億8900万0000ユーロ、利息収入は17億8600万0000ユーロで、経常利益?は18億4800万0000ユーロで、総売上利益は34億0000'0000ユーロに
CAIXABANK RESULTADOS
Juan María Nin: “La afirmación de Draghi es técnicamente irreprochable”
La entidad gana 166 millones en el primer semestre, el 80% menos, tras unos saneamientos de 3.735 millones de euros
El Consejo de Administración del banco de La Caixa rebaja sus remuneraciones en un 10%
CaixaBank duplica su liquidez hasta los 42.489 millones y alcanza un 'core capital' del 13%
Lluís Pellicer Barcelona27 JUL 2012 - 12:19 CET
RESULTS CaixaBank
Juan María Nin, "Draghi's statement is technically irreproachable"
The entity earns 166 million in the first half, 80%, following a write-offs of 3,735 million euros
The Governing Council of La Caixa bank cut their salaries by 10%
CaixaBank doubles liquidity to 42.489 million and reaches a core capital of 13%
Barcelona Lluís Pellicer 27 JUL 2012 - 12:19 CET
Juan María Nin, "Draghi's statement is technically irreproachable"
The entity earns 166 million in the first half, 80%, following a write-offs of 3,735 million euros
The Governing Council of La Caixa bank cut their salaries by 10%
CaixaBank doubles liquidity to 42.489 million and reaches a core capital of 13%
Barcelona Lluís Pellicer 27 JUL 2012 - 12:19 CET
CaixaBank CEO, Juan María Nin, has supported this morning the 15 words uttered yesterday the president of European Central Bank (ECB), Mario Draghi, and that changed the direction of the risk premium Spanish. "The statement is technically irreproachable," said Nin. The CEO of the first bank in Spain in terms of assets has argued that the difference is paid by the Spanish debt on the German bond monetary damages. And since this is the responsibility of the ECB, Nin has found that this "must intervene." "It is logical and agrees with the ECB's mandate. Risk premiums does not quite true values but other factors such as breach of trust," he added.
Nin this morning to the media the results that the entity has submitted to the CNMV. In the first half of the year, CaixaBank-controlled bank La Caixa with a 61% stake, made a profit of 166 million euros, 80.1% less than in 2011, after allocating a total of 3,735 million asset allocations to clean up the property. The covered entity has until June all the provisions required by the first royal decree of the Government, 2,736,000, while the 300 has reserved 2,102,000 of the second decree of May, the financial sector have time to meet until June 2013 . According to Chief Financial Officer of CaixaBank, Gonzalo Gortázar to date have covered 73% of provisions required of the entity resulting from the merger between Banca CaixaBank and Civic, which was registered on 3 August.
In the first half, net interest income (which indicates the purely banking business) reached 1,786 million euros, 15.7% more than the same period last year. Operating profit climbed the 1.848 million euros, 12.3%, while gross margin has remained stable over the 3,400 million and the interest has grown by 15.7%, to 1,786 billion, according to information submitted to the National Securities Market Commission (CNMV). Operating expenses, meanwhile, fell by 11.6%, while the organization has strengthened its solvency with a "core capital" of 13%, demonstrating, as CaixaBank, "the excellent level of solvency of the group and its differential position in the Spanish financial sector. "
Nin has highlighted the increased liquidity of the group, that in six months has doubled to 42.489 million euros, cover loosely allowing maturities this year and next, which explained Gortázar amounting to 7,700 million euros, according to documents submitted to the CNMV, "able to face any unforeseen circumstances that may arise in the future." "We do not fear anything. This amount allows us to cover 100% of maturities. There is a position of fear, but of reasonable prudence," he clarified Nin.
The delinquency rate of the entity that presides Isidre Faine stood at 5.58% versus 8.95% on average than was the sector in May, "thanks to the quality of the loan portfolio, the strict management of risk and a very intense activity recovery. " By segment, the NPL ratio remains at specially reduced levels in the particular segment (2.15%) and companies (3.99%), excluding promoters. The coverage ratio of the entity reaches 60%, 137% when taking into account the mortgage collateral. In the first half, exposing CaixaBank promoter sector has decreased in 1,725 million, up 7.7% to stand at 20.713 million.
A real estate portfolio of 1.975 million
After the high provisions made in the first six months of the year, coverage of troubled assets to real estate financing stood at 39.4% -128% if mortgage guarantees. The property portfolio of EUR CaixaBank 1,975 million euros net, covering about 40%. Of foreclosed assets, land represents 17.5%, covering close to 60%. Until June, the impairment losses on assets reached 1,900 million, representing an increase of 36.4% over the same period of 2011.
The intense commercial activity of the entity has boosted the total turnover by 1.4% to 433.095 million, while customer deposits grew by 2.3% and there are already 246 822 000.
CaixaBank named best bank in Spain in 2012 by the British financial magazine Euromoney has 26,728 employees, the largest network in the Spanish financial system, and 5,151 offices, while leading internet banking, with 7.3 million customers.
After the integration agreement Civic Banking also CaixaBank become the leading company in Spain, with assets of 357,000 million euros, more than 13 million customers and an average market share in deposits of 13.7%.
CaixaBank not require public support to carry out the integration of Civic Banking, which will pay 977 million euros. Moreover, according to Nin explained, nor require new supplies.
Lowering wages
The Board of Directors approved at its meeting CaixaBank yesterday reduced by 10% per diem remuneration of its members. The governing body of the bank, then follows the same path as its main shareholder, La Caixa, which decided the same thing last week.
The board now consists CaixaBank of 17 members, but soon will join the co-chairs this body of Civic Banking, Enrique Goñi and Antonio Pulido, coinciding with the integration of this entity in the Catalan bank.
Nin this morning to the media the results that the entity has submitted to the CNMV. In the first half of the year, CaixaBank-controlled bank La Caixa with a 61% stake, made a profit of 166 million euros, 80.1% less than in 2011, after allocating a total of 3,735 million asset allocations to clean up the property. The covered entity has until June all the provisions required by the first royal decree of the Government, 2,736,000, while the 300 has reserved 2,102,000 of the second decree of May, the financial sector have time to meet until June 2013 . According to Chief Financial Officer of CaixaBank, Gonzalo Gortázar to date have covered 73% of provisions required of the entity resulting from the merger between Banca CaixaBank and Civic, which was registered on 3 August.
In the first half, net interest income (which indicates the purely banking business) reached 1,786 million euros, 15.7% more than the same period last year. Operating profit climbed the 1.848 million euros, 12.3%, while gross margin has remained stable over the 3,400 million and the interest has grown by 15.7%, to 1,786 billion, according to information submitted to the National Securities Market Commission (CNMV). Operating expenses, meanwhile, fell by 11.6%, while the organization has strengthened its solvency with a "core capital" of 13%, demonstrating, as CaixaBank, "the excellent level of solvency of the group and its differential position in the Spanish financial sector. "
Nin has highlighted the increased liquidity of the group, that in six months has doubled to 42.489 million euros, cover loosely allowing maturities this year and next, which explained Gortázar amounting to 7,700 million euros, according to documents submitted to the CNMV, "able to face any unforeseen circumstances that may arise in the future." "We do not fear anything. This amount allows us to cover 100% of maturities. There is a position of fear, but of reasonable prudence," he clarified Nin.
The delinquency rate of the entity that presides Isidre Faine stood at 5.58% versus 8.95% on average than was the sector in May, "thanks to the quality of the loan portfolio, the strict management of risk and a very intense activity recovery. " By segment, the NPL ratio remains at specially reduced levels in the particular segment (2.15%) and companies (3.99%), excluding promoters. The coverage ratio of the entity reaches 60%, 137% when taking into account the mortgage collateral. In the first half, exposing CaixaBank promoter sector has decreased in 1,725 million, up 7.7% to stand at 20.713 million.
A real estate portfolio of 1.975 million
After the high provisions made in the first six months of the year, coverage of troubled assets to real estate financing stood at 39.4% -128% if mortgage guarantees. The property portfolio of EUR CaixaBank 1,975 million euros net, covering about 40%. Of foreclosed assets, land represents 17.5%, covering close to 60%. Until June, the impairment losses on assets reached 1,900 million, representing an increase of 36.4% over the same period of 2011.
The intense commercial activity of the entity has boosted the total turnover by 1.4% to 433.095 million, while customer deposits grew by 2.3% and there are already 246 822 000.
CaixaBank named best bank in Spain in 2012 by the British financial magazine Euromoney has 26,728 employees, the largest network in the Spanish financial system, and 5,151 offices, while leading internet banking, with 7.3 million customers.
After the integration agreement Civic Banking also CaixaBank become the leading company in Spain, with assets of 357,000 million euros, more than 13 million customers and an average market share in deposits of 13.7%.
CaixaBank not require public support to carry out the integration of Civic Banking, which will pay 977 million euros. Moreover, according to Nin explained, nor require new supplies.
Lowering wages
The Board of Directors approved at its meeting CaixaBank yesterday reduced by 10% per diem remuneration of its members. The governing body of the bank, then follows the same path as its main shareholder, La Caixa, which decided the same thing last week.
The board now consists CaixaBank of 17 members, but soon will join the co-chairs this body of Civic Banking, Enrique Goñi and Antonio Pulido, coinciding with the integration of this entity in the Catalan bank.
スペインのCAIXA BANC は、2012年1月ー3月には、37億3500万0000ユーロの不良債権のための(73%)損失対策貯蔵金(担保?)を確保した後、1億6600万0000ユーロの利益を得た、流動資金は424億8900万0000ユーロ、利息収入は17億8600万0000ユーロで、経常利益?は18億4800万0000ユーロで、総売上利益は34億0000'0000ユーロに
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