スペインのBANCO SABADELL 銀行は2012年9月には、21億7050万0000ユーロを不良債権の損失の準備金に充て,2012年1月ー9月の純益は56'3%減少して9060万0000ユーロに、残りの25%の準備金の8億0000'0000ユーロは2013年6月までに充填
Banco Sabadell reduce sus beneficios el 56,3% hasta septiembre
La entidad destina 2.170 millones a las dotaciones para insolvencia de la reforma financiera
Lluís Pellicer Barcelona 25 OCT 2012 - 09:13 CET
Banco Sabadell profits down 56.3% to September
The entity allocates 2,170 million to provisions for insolvency of financial reform
Lluís Pellicer Barcelona 25 OCT 2012 - 09:13 CET
Banco Sabadell obtained until September net profit of 90.6 million euros, 56.3% less than the same period of 2011, following the allocation of 2170.5 million loan-loss provisions required by the two royal decrees government. The CEO of the company, Jaume Guardiola, has said this morning that so far has covered 75% of the allowances required by the Government. The remaining 800 million, the company announced, they will be contributing to the second quarter of 2013 and shall not enter into the red.
The entity that presides recorded until September Josep Oliu improved all margins, both the interest (which measures the purely banking business), which grows almost by 19.7% to 1,380 million, as gross, reaching the 2.153 million, up 15.5%. The income before provisions, meanwhile, "evolved better than expected by the market consensus" and increased by 5%, standing at 970.4 million, according to information submitted to the National Securities Market Commission (CNMV ).
Total clients in the group is now 5.5 million and the volume of funds under management amounted to 130 349 000
The Sabadell said that confirmation that the entity has sufficient capital levels to address the adverse economic scenario as endurance test concludes the financial sector audit conducted by Oliver Wyman, and strict compliance with the CAM integration plan, frame the Catalan bank activity in the third quarter of 2012. "We are very pleased to be in Group 0 and now we have to perform pending corporate transactions," said Guardiola in the presentation of results. After making the acquisition of Banco CAM and have expanded its business in the U.S., where they have a turnover of 9,000 million dollars (about 6,950 million euros), the Sabadell continue watching opportunities. And although, as Guardiola, should consider whether to continue to interest CatalunyaCaixa, the goal becomes to be out. "Now is the time to see moves to diversify our business geographically bank.'re Going to be aware of international expansion," said Guardiola.
At year end, Banco Sabadell meets the objectives of liquidity, strengthening the balance sheet and increased business volumes and margins, maintaining good coverage ratios and costs. Thus, the total assets of Sabadell late September totaling more than 164.417 million euros, representing growth of nearly 72% compared to 2011. Meanwhile, gross loans of more than 119,300 million customers, 64.7% more, providing SabadellCAM counting. The group's equity totaled 9.215 million (+47%), while customer funds on the balance sheet increased by 46.2% to 75,057,000.
Banco Sabadell has also achieved in the third quarter to keep the momentum of attracting new customers, so that from year to year has registered 303,100 new high. The total group of clients, including SabadellCAM is now 5.5 million, and the volume of funds under management amounted to 130.349 million, almost 40% higher than the figure of 2011.
In this period, the ratio of NPLs to total risk of the combined entity and SabadellCAM Banco Sabadell is 8.46%, regardless of assets Asset Protection Scheme (APS). Last year, the figure was 5.72%. The Sabadell has also increased the coverage of the total loan portfolio and real estate, which reached 15.7%, triple that in 2011. Until September 30, the operating costs of Sabadell exceed 1,070 million, up 26%, mainly due to the integration of CAM.
Banco Sabadell, on the other hand, has managed to increase its equity by EUR 2,940 million, 46.8% more, so that its core capital stood at 10%, one point higher than the previous year. In the statement sent to the CNMV, the Catalan notes that the third quarter of 2012 was marked by some significant events, such as the unification of our properties of Banco Sabadell and Banco CAM under a single platform or exchange offer for shares subordinated debt and preference shares Sabadell CAM. A few weeks ago, also Oliver Wyman released the results of so-called stress tests conducted at banks, Banco Sabadell overcame that note. According to this report, in adversity as top stage, which is also highly unlikely, Sabadell would have a capital surplus of 915 million.
The entity also anticipated the creation of bad bank and created a structure within the group to manage the real estate assets, with and without delay, and the toxic loans from business. This company manages a portfolio of 36,000 million euros, although coverage Asset Protection Scheme (APS) is the net volume of 16,000 million. Guardiola has said that the company has not yet decided on its participation in the Asset Management Company of the Bank Restructuring Coming (Sareb). "We are waiting for the regulations, which is final, and the transfer pricing model and how it is private capital," he explained.
Shares of the company rose 0.21% in the early hours of the morning after having fallen sharply the previous four days of trading.
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