スペインの破綻して国有化されたBANKIA銀行は、優先株式の損失を被害者に押し付けて65億0000'0000ゆーろを獲得*泥棒
Bankia confía en obtener 6.500 millones de capital con la quita a las preferentes
La entidad espera volver a beneficios en 2013 y ganar 1.200 millones netos en 2015
Los descuentos y el traspaso al banco malo permite rebajar las ayudas públicas a 18.000 millones
Bruselas obliga a reducir en un 60% el tamaño de las cajas nacionalizadas
Catalunya Banc y Novagalicia deberán ser vendidas o liquidadas en 2017
Íñigo de Barrón Madrid 28 NOV 2012 - 16:49 CET
Bankia trusts 6,500 million capital gain to remove the preferential
The bank expects to return to profit in 2013 and 1,200 million net gain in 2015
Discounts and bad bank transfer to reduced state aid to 18,000 million
Brussels requires a reduction by 60% the size of nationalized banks
Novagalicia Catalunya Banc and must be sold or liquidated in 2017
Barron Íñigo Madrid 28 NOV 2012 - 16:49 CET
The BFA-Bankia group estimates that the restructuring plans of Brussels will translate into losses for customers who bought preferred shares and subordinated debt investors that will generate 10,000 million euros in capital. With the funds you derive from the exchange of these securities for shares in Bankia and transfer of toxic assets to a bad bank, the group puts public support it needs to be sanitized at 18,000 million euros. Also is selling its 15% stake in Mapfre and about layoffs, says he will try to minimize the forced departures.
After "cleaning the balance", Bankia benefits re trusts in 2013 and get a net profit of 1,200 million euros in 2015, as reported by the entity after hearing the plans of the European Commission. This year, however, provides some numbers about 19,000 million red and discards pay dividend until 2014. "I'm going to let life" for these forecasts come true, said the group's president, Jose Ignacio Goirigolzarri, which has ruled that the institution is "ugly duckling" of the sector or who have been abused by the Commission . At this point, the head of the group has argued that aid is less than the other nationalized in proportion to their level of assets.
On the off, as explained by the group in a statement, a discount of 39% on the preference shares held by small investors, as the price of redemption for Bankia shares stood at 61% of the nominal value. The discount will increase to 46% for those who purchased perpetual subordinated debt and 14% for subordinated debt with maturity.
By imposing Brussels, the group will need to focus from now on retail banking, which translates to grant credits to households and SMEs and attracting deposits from savers. Specifically, plans to capture new credit 52,000 million by 2015, of which 84% will go to new businesses.
You should also focus on their natural geographic area will have to clarify the structure BFA-Bankia. Along with this, will sell its industrial holdings and exit non-core businesses for a total of 50.000 million. Also, cut the workforce by 28%, equivalent to removing 6,000 jobs from layoffs and business sales, and close an additional 1,100 branches, 39% of its current network in three years. "It's an adjustment than we foresaw but let a franchise viable", said Goirigolzarri.
To clean up its loan portfolio, Bankia must make allowances still 12,600 million. Of the total, 11,400 million must be equipped in the coming weeks as they are essential to transfer its property assets to "bad bank".
The estimated capital needs for Bankia Brussels fall below the 24,700 million which shed the stress tests conducted by Oliver Wyman in September thanks to the contribution they will make investors and holders of preferred stock. The figure includes 18,000 million million received in December 4500.
In the case of Bankia, their needs are estimated at 15,500 million euros, of which up to 4,800 million from the redemption of 15,500 million euros, of which up to 4,800 million will come from the exchange of hybrids and 10,700 million should be provided by shareholders. The agency notes that the capital increase in Bankiaestá "fully" guaranteed by BFA.
With these requirements, BFA-Bankia takes almost half of the 37,000 million that will go to the four nationalized. Brussels plans broken capital needs of each nationalized entities. Thus, 5,425,000 will be allocated to Novagalicia, 9080 million and 4,500 million CatalunyaCaixa for Banco de Valencia.
Compared with Germany, Goirigolzarri stressed that aid to banks in Spain are not as bulky as a proportion of GDP which has been forced to launch the first European power. "And here, in reference to Bankia-aid must be returned and, if possible, with interest. Loss is not the end as in other cases," he added in reference to Banco de Valencia, which has not cited.
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