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貸付の未払い
スペインの銀行の貸付の未払い(滞納)率は、2012年4月には8'72%で、1527億3900万0000ユーロに昇る、銀行の不動産関係の貸付の45%の1370億0000'0000ユーロの不良債権に対する資金(増強)確保を要求
La morosidad en la banca se dispara
Los créditos dudosos marcan un récord en 18 años tras sufrir su mayor repunte desde 2009
La tasa de mora pasa del 8,36% al 8,72% en abril tras un incremento de 4.772 millones
Archivado en:
- Banco de España
- Morosidad
- Rescate financiero
- Crisis deuda europea
- Euro
- Política monetaria única
- Deudas
- Mercado inmobiliario
- Zona euro
- UEM
- Crisis financiera
- Moneda
- UE
- Vivienda
- España
- Empresas
- Banca
- Economía europea
- Organizaciones internacionales
- Economía
- Finanzas
- Urbanismo
- Relaciones exteriores
Fuente: Banco de España. / EL PAÍS
Delinquencies in banking fires
Delinquent claims mark a record 18 years after suffering its biggest rise since 2009
The default rate goes from 8.36% to 8.72% in April after an increase of 4,772,000
Alvaro Romero Madrid 18 JUN 2012 - 10:42 CET
Delinquent claims mark a record 18 years after suffering its biggest rise since 2009
The default rate goes from 8.36% to 8.72% in April after an increase of 4,772,000
Alvaro Romero Madrid 18 JUN 2012 - 10:42 CET
The volume of outstanding claims in banking rose sharply in April, the month in which the delinquency rate rose to 8.72% from 8.36% in March. This rise of 0.35 percentage points, equivalent to 4.772 million, is the largest monthly increase since January 2009, bringing the level of bad loans in relation to the total loan portfolio of the financial sector in a new maximum past 18 years.
According to data released today by the Bank of Spain, banks, savings banks and credit institutions had to close April 152,739,000 euros after 12 consecutive months of increase. On the other hand, the volume of money they had borrowed institutions fell hard in April at 17,500 million, a cut of 3.47% year on year and unrivaled since the same month in 2011.
A week after the Government solicitase ask its European partners a ransom of up to 100,000 million to clean up the financial system, the data confirm that an important part of the sector is facing serious problems, unable to cope on their own brick to indigestion you drag from the housing bubble.
Mortgages to families, the new point of suspicion, more than 3% for the first time since 1999
Furthermore, for the future, experts and the industry itself warn that bad debts will continue to rise until comfortably exceed 9%. The record to date was 9.15% that was played in February 1994 following the intervention of Banesto through a hole of 3,636 million euros. The origin of this persistent increase is mainly on defaults has left behind the housing crisis, which has not touched ground since the beginning of adjustment in 2008, as well as general economic decline of Spain, which prevents companies comply compromisoso with their payments, and the rise in unemployment, which takes its toll on families.
In this last section, although the latter left without paying the families is the mortgage delinquencies in the loans for house purchase mortgage-backed securities has exceeded the first quarter, 3% for the first time since the Bank of Spain takes these data, in 1999.
To cope with the deterioration of loan portfolios, the Government has approved four amendments, two on account of Zapatero's cabinet and two by the President of the PP in just five months. In addition, we expect a new twist to the sector once known the findings of independent audits commissioned by the Government to encrypt the eventual default hidden entities whose accounts estudirán one by one.
more informationDoubtful debts of the estate verging on 23%Doubts about the solvency of Spain are exacerbated
For now, this week will be announced data from two evaluators who will analyze the situation of the whole sector in general and, as has been advanced, encrypted recapitalization needs between 60,000 and 70,000 million euros. The amount of money the government will ask its partners of the Euro will be in line with the figures that come out of these two tests.
Moreover, with the final decree has launched the Economy Minister Luis de Guindos, the sector should increase by October, except in those cases in which mergers-depth coverage of their claims related to the brick to 137,000 million, 45% of the total. This figure is about 28,000 million with the provisions required the first reform, which set a reorganization of 50,000 million.
By April, a month before the adoption of the decree, the sector accumulated 84.287 million in provisions to address the impairment of assets, 900 million more than in March. In May, in addition to the second amendment, also came the nationalization of Bankia, whose new management has raised the capital needs of the group until the 19,000 million. The rise in the amount of public money that the entity was required to expand the folder of suspects and to include part of consumer credit, which gives a clue where the new requirements may come to clear the financial system, once and for all the doubts which have placed Spain in the eye of the hurricane.
According to data released today by the Bank of Spain, banks, savings banks and credit institutions had to close April 152,739,000 euros after 12 consecutive months of increase. On the other hand, the volume of money they had borrowed institutions fell hard in April at 17,500 million, a cut of 3.47% year on year and unrivaled since the same month in 2011.
A week after the Government solicitase ask its European partners a ransom of up to 100,000 million to clean up the financial system, the data confirm that an important part of the sector is facing serious problems, unable to cope on their own brick to indigestion you drag from the housing bubble.
Mortgages to families, the new point of suspicion, more than 3% for the first time since 1999
Furthermore, for the future, experts and the industry itself warn that bad debts will continue to rise until comfortably exceed 9%. The record to date was 9.15% that was played in February 1994 following the intervention of Banesto through a hole of 3,636 million euros. The origin of this persistent increase is mainly on defaults has left behind the housing crisis, which has not touched ground since the beginning of adjustment in 2008, as well as general economic decline of Spain, which prevents companies comply compromisoso with their payments, and the rise in unemployment, which takes its toll on families.
In this last section, although the latter left without paying the families is the mortgage delinquencies in the loans for house purchase mortgage-backed securities has exceeded the first quarter, 3% for the first time since the Bank of Spain takes these data, in 1999.
To cope with the deterioration of loan portfolios, the Government has approved four amendments, two on account of Zapatero's cabinet and two by the President of the PP in just five months. In addition, we expect a new twist to the sector once known the findings of independent audits commissioned by the Government to encrypt the eventual default hidden entities whose accounts estudirán one by one.
more informationDoubtful debts of the estate verging on 23%Doubts about the solvency of Spain are exacerbated
For now, this week will be announced data from two evaluators who will analyze the situation of the whole sector in general and, as has been advanced, encrypted recapitalization needs between 60,000 and 70,000 million euros. The amount of money the government will ask its partners of the Euro will be in line with the figures that come out of these two tests.
Moreover, with the final decree has launched the Economy Minister Luis de Guindos, the sector should increase by October, except in those cases in which mergers-depth coverage of their claims related to the brick to 137,000 million, 45% of the total. This figure is about 28,000 million with the provisions required the first reform, which set a reorganization of 50,000 million.
By April, a month before the adoption of the decree, the sector accumulated 84.287 million in provisions to address the impairment of assets, 900 million more than in March. In May, in addition to the second amendment, also came the nationalization of Bankia, whose new management has raised the capital needs of the group until the 19,000 million. The rise in the amount of public money that the entity was required to expand the folder of suspects and to include part of consumer credit, which gives a clue where the new requirements may come to clear the financial system, once and for all the doubts which have placed Spain in the eye of the hurricane.
スペインの銀行の貸付の未払い(滞納)率は、2012年4月には8'72%で、1527億3900万0000ユーロに昇る、銀行の不動産関係の貸付の45%の1370億0000'0000ユーロの不良債権に対する資金(増強)確保を要求
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