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スペインの銀行の検査会社による監査で、スペインの銀行の不良債権による資本増強の資金注入は、最高1200億0000'000ユーロくらいにはなる??(筆者の独断)
La banca cree que el duro examen de los consultores exigirá mucho capital
El sector teme que no discriminen y pidan el nivel de provisiones de Bankia
The bank believes that the tough test of consultants require much capital The industry fears that do not discriminate and ask for the level of provisions of Bankia Barron Íñigo Madrid 7 JUN 2012 - 00:02 CET
The bank believes that the tough test of consultants require much capital
The industry fears that do not discriminate and ask for the level of provisions of Bankia
Barron Íñigo Madrid 7 JUN 2012 - 00:02 CET
The industry fears that do not discriminate and ask for the level of provisions of Bankia
Barron Íñigo Madrid 7 JUN 2012 - 00:02 CET
In less than two weeks, we will know the opinion of the consultants hired by the government, Oliver Wyman and Roland Berger. Following the report of the International Monetary Fund on Monday, will be a new test to see how much capital (other provisions) require entities according to their analysis. That may make the initial amount of European rescue of the Spanish banking.
The nerves between the bankers are to the surface because it is considered that the consultants are using strict criteria that could loft the final amount of capital deficits would almost all entities.
Banks have not been seen with the consultants, who use income statements and balance sheets at December 2011. On these figures, projected a fall in gross domestic product (GDP) Spanish about 5% by 2013. Applying this catastrophic course (not reflected in any official forecast) late payment triggers credit in different analyzed: the promoter, mortgage, consumer, SMB and enterprises. Administration loans have been excluded from the test.
This stress test demands a high level of coverage on unpaid after discounting provisions. This is another element of concern that some executives surveyed believe that examiners are demanding coverage levels close to those announced by Bankia.
The economic downturn is more severe than in the test posed by the European Banking Authority
The mixture of these two factors means that the expected loss on the loans is very high. Finally, to further complicate the analysis and the amount of capital shooting, suspect entities Oliver Wyman and Roland Berger will put a very high capital requirement. Which does not reach this height, you need to complete it with benefits, if it is able to generate with an economy as depressed. Otherwise, if no results, the entity will have a capital shortfall will have to ask the Spanish rescue fund or the European Union, according to complete the design of the rescue plan.
What most concerns in the sector is that consultants apply the criteria of default on the portfolio "without considering that they are very different from each other. That is, the default can be expected from a portfolio of mortgages of primary residences, with clients from medium-high economic level and that has received less than 80% of the appraised value, has nothing to do with that of Bankia , to our knowledge, "says a senior executive consulted.
A review harder than the EBA
"The test is harder than the worst case scenario posed by the European Banking Authority (EBA, for its acronym in English)," says a CFO of a bank requesting anonymity consulted. "We do not understand you are doing with so little transparency, without knowing what parameters are applied without discrimination and the portfolios of the different entities. In Portugal and Ireland became more clearly, "he adds.
A Bankers think a month is too little time to do a stress test of quality. Some suggest that these requirements may end up permanently cut credit to the Spanish economy, "which would sink even more real GDP" they write.
The test results come in the week of June 18, the committee of the Bank of Spain, the Ministry of Economy, IMF and the ECB. Do the numbers soften if they are too high? Bankers believe that Oliver Wyman and Roland Berger have to maintain their prestige, but the government plays a lot more: a rescue sector or in Spain.
After this test, the subsequent analysis of the four auditors themselves will determine the necessary supplies. Check whether the credits are well classified and no hidden delinquency. As calculated by different subjects, the figures will not be matched. By then, perhaps the rescue as a reality.
The nerves between the bankers are to the surface because it is considered that the consultants are using strict criteria that could loft the final amount of capital deficits would almost all entities.
Banks have not been seen with the consultants, who use income statements and balance sheets at December 2011. On these figures, projected a fall in gross domestic product (GDP) Spanish about 5% by 2013. Applying this catastrophic course (not reflected in any official forecast) late payment triggers credit in different analyzed: the promoter, mortgage, consumer, SMB and enterprises. Administration loans have been excluded from the test.
This stress test demands a high level of coverage on unpaid after discounting provisions. This is another element of concern that some executives surveyed believe that examiners are demanding coverage levels close to those announced by Bankia.
The economic downturn is more severe than in the test posed by the European Banking Authority
The mixture of these two factors means that the expected loss on the loans is very high. Finally, to further complicate the analysis and the amount of capital shooting, suspect entities Oliver Wyman and Roland Berger will put a very high capital requirement. Which does not reach this height, you need to complete it with benefits, if it is able to generate with an economy as depressed. Otherwise, if no results, the entity will have a capital shortfall will have to ask the Spanish rescue fund or the European Union, according to complete the design of the rescue plan.
What most concerns in the sector is that consultants apply the criteria of default on the portfolio "without considering that they are very different from each other. That is, the default can be expected from a portfolio of mortgages of primary residences, with clients from medium-high economic level and that has received less than 80% of the appraised value, has nothing to do with that of Bankia , to our knowledge, "says a senior executive consulted.
A review harder than the EBA
"The test is harder than the worst case scenario posed by the European Banking Authority (EBA, for its acronym in English)," says a CFO of a bank requesting anonymity consulted. "We do not understand you are doing with so little transparency, without knowing what parameters are applied without discrimination and the portfolios of the different entities. In Portugal and Ireland became more clearly, "he adds.
A Bankers think a month is too little time to do a stress test of quality. Some suggest that these requirements may end up permanently cut credit to the Spanish economy, "which would sink even more real GDP" they write.
The test results come in the week of June 18, the committee of the Bank of Spain, the Ministry of Economy, IMF and the ECB. Do the numbers soften if they are too high? Bankers believe that Oliver Wyman and Roland Berger have to maintain their prestige, but the government plays a lot more: a rescue sector or in Spain.
After this test, the subsequent analysis of the four auditors themselves will determine the necessary supplies. Check whether the credits are well classified and no hidden delinquency. As calculated by different subjects, the figures will not be matched. By then, perhaps the rescue as a reality.
スペインの銀行の検査会社による監査で、スペインの銀行の不良債権による資本増強の資金注入は、最高1200億0000'000ユーロくらいにはなる??(筆者の独断)
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