諮問会社のオリバー·ワイマン(OLIVER WYMAN)によるスペインの金融システムの銀行のストレステストの結果によると,スペインの62%を占める6つの銀行は、資本増強の融資は必要なく、ほかの銀行は合計 593億0000'0000ユーロの資本増強による融資が必要
La banca española necesita 53.745 millones de capital para sanearse
El examen de Oliver Wyman rebaja las cifras planteadas en un principio
El Gobierno confía en que solo requerirá en torno a 40.000 millones del rescate
El Popular necesita 3.223 millones, pero descarta ayudas públicas
Las entidades nacionalizadas acaparan el 86% de las necesidades
DESCARGABLE Resultado de las pruebas de resistencia
El País 28 SEP 2012 - 19:31 CET
Spanish banks need capital to 53,745,000 sanitized
Examination of Oliver Wyman cut the figures initially raised
The Government is confident that only require around 40,000 million bailout
The People need 3.223 million, but state aid rule
Nationalized institutions account for 86% of the needs
DOWNLOADABLE result of stress tests
The Country 28 SEP 2012 - 19:31 CET
Examination of the independent consultancy Oliver Wyman has completed seven banking groups, representing over 62% of the loan portfolio of the Spanish banking system, no additional capital needs. For the other seven groups, adds the Ministry of Economy, has identified some capital needs, existing on December 31, 2011, amounting to 59,300 million euros. However, this number drops to 53.745 million when considering the ongoing mergers and tax purposes.
The largest capital shortcomings in the extreme deterioration scenario focus on those banking groups participated mainly by the FROB: BFA-Bankia, Catalunya Banc, NCG Banco and Banco de Valencia. These four entities that have some needs in numbers of 46,200 million (around 86%) to be sanitized, and have begun to work with national authorities and European restructuring plans, the report said.
Three other groups need additional capital in the adverse scenario contemplated. These are: Banco Popular, BMN and the planned merger between Ibercaja, Liberbank and Box 3. These entities will submit their recapitalization plans in October 2012 for approval by the Bank of Spain and the European Commission. Based on these plans will be determined, if necessary, the need for public support and the amount thereof.
Seven of the groups considered, representing 62% in terms of loan portfolio analyzed the sector, exceeding the minimum capital required: Santander, BBVA, CaixaBank, Kutxabank, Banco Sabadell, Bankinter and Unicaja-CEISS. These entities do not require, therefore, additional capital even in a very unfavorable macroeconomic situation. This adverse scenario includes a fall in GDP of 4.1% this year, 2.1% in 2013 and 0.3% in 2014. The unemployment rate in 2014 would reach 27.2%.
As public support needed by the industry, recalls the supervisor, the amounts contained in the report of Oliver Wyman does not coincide, in general, the volume required for recapitalization. The difference depends on the actions that entities include in their recapitalization plans. Estimated that manages the Government, the final figure will aid around 40,000 million, funds that will come from the European credit by up to 100,000 million.
moreBankia accounts for 46% of the capitalSantander has excess capital of 25,300 millionKutxabank pass the exam with flying EuropeanIbercaja, and Box3 Liberbank study if they continue with their mergerCatalunyaBanc need almost 11,000 million capitalSabadell has excess capital of 915 millionThe precise Valencia Bank intervened 3462000BBVA exceeds the worst case scenario with an excess of 11.183 millionThe People want to cover their unaided 3223000
To reduce requirements, institutions may rely on the disposal of assets or raise capital in private markets. Guests will also take losses by holders of hybrid instruments or subordinated. Finally, may submit toxic assets linked to real estate to call bad bank.
The approved
The Banco Santander improvement in the worst case scenario. The bank chaired by Emilio Botin is the largest Spanish bank with a capital surplus in absolute terms. The capital ratio (tier 1 common equity) accruing to Santander, including Banesto, to December 31, 2014 in the most demanding scenario is 10.8%, compared to 9.7% at December 31, 2011, This represents an increase of 1.1 percentage points (see review).
BBVA exceeds the minimum clearance with 11.183 million. The entity headed by Francisco Gonzalez easily exceeds the stress tests with a ratio of 9.6%, 3.6 points above the minimum required, in the most adverse scenario of raised (read more).
Caixabank, the third most solid. The group La Caixa not present capital needs in adverse economic scenario, because its high quality capital (the core tier 1) is estimated at 9.5% at the end of December 2014 (read more).
Kutxbank approves high note. The Basque company has announced that complies fully with the solvency standards established for the purposes of the test, in the two scenarios considered (read more).
Absorption of CAM to Sabadell bill does not pass. On stage as top adversity, with improbable economic forecasts, the bank has a capital surplus of 915 million (read more).
Bankinter's with a surplus of 399 million. The bank has expressed his "satisfaction" have passed the assessment test at the Spanish banking conducted by Oliver Wyman. In the pessimistic scenario the entity would have a capital ratio of 7.4% (read more).
Unicaja exceeds the minimum tests. The company achieved a surplus Andalusian capital of 128 million in the toughest economic environment (read more).
The suspended
The People's Bank trusts 3,233,000 capturing market needs. "The People's Bank policy has always been not to seek public support and generate the resources themselves through earnings retention and capital injection from its shareholders," said the Angel Headed by Ron (read more).
Ibercaja, and Box 3 Liberbank studying whether to go ahead with the merger. The group has capital needs in the most adverse scenario, to 2,108 million euros (see review).
BMN has a capital deficit of 2,208 million. To meet these needs, the company expects to sell 1,200 million in assets and does not rule out negotiating a merger with People (read more).
The nationalized
Bankia accounts for half of the sector's needs. Tests shed some capital needs of 24.743 million euros, more than the 19,000 million that the government asked the new management team of the group (read more).
Catalunya Banc, the second most in need of capital. The precise entity capital 10.825 million, according to the most adverse scenario of the review by the financial consultancy Oliver Wyman (read more).
Nova Caixa Galicia 7.176 million expected to capture accurate on its own. The entity to be reduced "the final figure of capital requirement" with the transfer of real estate assets to future Asset Management Company (read more).
Banco de Valencia need 3.462 million. The entity's position is so precarious that in the baseline scenario is the solvency ratio at 7% and -27.7% in the worst forecasts (read more).
諮問会社のオリバー·ワイマン(OLIVER WYMAN)によるスペインの金融システムの銀行のストレステストの結果によると,スペインの62%を占める6つの銀行は、資本増強の融資は必要なく、ほかの銀行は合計 593億0000'0000ユーロの資本増強による融資が必要
0 件のコメント:
コメントを投稿