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スペインの金融機関の銀行の弱点(悪点?);住宅市場の乱雑さ、無節操な住宅(不動産)投資·住宅建設 焦げ付いた供給過剰による売れ残った膨大な住宅(=不良債権)
Los ‘puntos negros’ del sector financiero
Las fusiones políticas de cajas de 2010 y las entidades más volcadas en el ladrillo son las que absorberán la mayoría de las ayudas públicas para sanear sus balances
The 'black spots' in the financial sector
Mergers boxes policies 2010 and more entities are dumped into the brick which will absorb most of the aid to rebuild their balance sheets
Barron Íñigo Madrid 8 JUN 2012 - 12:15 CET
Mergers boxes policies 2010 and more entities are dumped into the brick which will absorb most of the aid to rebuild their balance sheets
Barron Íñigo Madrid 8 JUN 2012 - 12:15 CET
Since 2009 the Government has used four royal decrees to try to straighten out a financial system crisis began as a champion "of the Champions League," the president Zapatero and four years later, is the biggest problem in Europe and, of course, Spanish economy. The advance of the crisis has made the financial sector does not extend credit, can not cover the hole in the housing market and has lost all international credibility. The situation has been exacerbated by the inability of the state inject money to clean up balance sheets of those most affected.
But not every sector is equally weak. There are major differences. A lack of international analysis of the IMF or the consultants, the problem in the Spanish banking mergers are guided by political criteria made in 2010. That year he created large groups of problems: CatalunyaCaixa, Novagalicia Bankia Bank. Among the three, the need for public support added, at least about 30,000 million. The first two require 9,000 million more to meet the demands of the last two decrees of the minister Luis de Guindos, according to estimates by the Bank of Spain. It is possible that this amount falls short because the government is preparing a third rule over capital requirements. These two boxes already have on their balance sheets of the State 5,400 million were loans.
Bankia has asked the State 19,000 million to cover losses and protect against possible loss of value of property and stock market. It also has 4,500 million State loan to be converted into capital.
Banco de Valencia, which was a subsidiary of Bankia, is another major sector problems. As CatalunyaCaixa, is in the auction process, although the process is to know how many will review the provisions and finally the capital they need.
Civic Banking, stock market accompanying a Bankia, also had to seek a merger to avoid state aid it impossible to plug the holes in its balance sheet. The entity-Andalusian Navarre was delivered to La Caixa, after receiving nearly 1,000 million from the State.
An entity with enormous problems was Caja Duero Spain, which has escaped the nationalization and merger twisted aid of 1,000 million with Unicaja. This entity Malaga with the Aragonese Ibercaja, the Asturias and Murcia Bank Liberbank Mare Nostrum (BMN) were called by the Ministry of Finance because he feared they could not survive separado.El fifth objective was to train the Spanish bank, just behind Bankia , with 270,000 million in assets.
However, Ibercaja Liberbank and dissociated themselves from the group and announced their merger. In the market speculated that asked 2,000 million in bonds convertible into shares injected by the State. It is now know what the movement of BMN and Unicaja, one of the last pluck daisies.
Among the entities that are expected to have no major problems, Santander, BBVA and La Caixa, and Bankinter, Banco Popular, Sabadell, Kutxabank, but all depend on the level of demands put European examiners and the Government as well as how long it takes the crisis has completely closed markets.
But not every sector is equally weak. There are major differences. A lack of international analysis of the IMF or the consultants, the problem in the Spanish banking mergers are guided by political criteria made in 2010. That year he created large groups of problems: CatalunyaCaixa, Novagalicia Bankia Bank. Among the three, the need for public support added, at least about 30,000 million. The first two require 9,000 million more to meet the demands of the last two decrees of the minister Luis de Guindos, according to estimates by the Bank of Spain. It is possible that this amount falls short because the government is preparing a third rule over capital requirements. These two boxes already have on their balance sheets of the State 5,400 million were loans.
Bankia has asked the State 19,000 million to cover losses and protect against possible loss of value of property and stock market. It also has 4,500 million State loan to be converted into capital.
Banco de Valencia, which was a subsidiary of Bankia, is another major sector problems. As CatalunyaCaixa, is in the auction process, although the process is to know how many will review the provisions and finally the capital they need.
Civic Banking, stock market accompanying a Bankia, also had to seek a merger to avoid state aid it impossible to plug the holes in its balance sheet. The entity-Andalusian Navarre was delivered to La Caixa, after receiving nearly 1,000 million from the State.
An entity with enormous problems was Caja Duero Spain, which has escaped the nationalization and merger twisted aid of 1,000 million with Unicaja. This entity Malaga with the Aragonese Ibercaja, the Asturias and Murcia Bank Liberbank Mare Nostrum (BMN) were called by the Ministry of Finance because he feared they could not survive separado.El fifth objective was to train the Spanish bank, just behind Bankia , with 270,000 million in assets.
However, Ibercaja Liberbank and dissociated themselves from the group and announced their merger. In the market speculated that asked 2,000 million in bonds convertible into shares injected by the State. It is now know what the movement of BMN and Unicaja, one of the last pluck daisies.
Among the entities that are expected to have no major problems, Santander, BBVA and La Caixa, and Bankinter, Banco Popular, Sabadell, Kutxabank, but all depend on the level of demands put European examiners and the Government as well as how long it takes the crisis has completely closed markets.
スペインの金融機関の銀行の弱点(悪点?);住宅市場の乱雑さ、無節操な住宅(不動産)投資·住宅建設 焦げ付いた供給過剰による売れ残った膨大な住宅(=不良債権)
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