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スペインの銀行の債務不履行(借金不払い;貸金倒れ?)率は、8'95%に昇り、1558億4100万0000ユーロに登る、貸し付け総額は,17兆4000億0000'0000ユーロに上る。2011年末には、銀行や信用金庫は借金不払いの抵当として、3040億0000'0000ユーロの建設会社の貸し付け(融資)と不動産資産を持ち、このうち1840億0000'0000ユーロは不良債権(貸し倒れ?損失?)とスペイン国立銀行は見ている、
La morosidad en la banca roza máximos históricos con un 8,95% de los créditos
Los créditos dudosos aumentan a un ritmo anual del 32% y alcanzan los 155.841 millones
Archivado en:
- Banco de España
- Morosidad
- Deudas
- Créditos
- Empresas
- Servicios bancarios
- España
- Banca
- Economía
- Finanzas
Fuente: Banco de España / El País
Delinquencies on the bench touches record highs with a 8.95% of loans
Doubtful debts are increasing at an annual rate of 32% and reach 155 841 000
Alvaro Romero Madrid 18 JUL 2012 - 10:28 CET
Doubtful debts are increasing at an annual rate of 32% and reach 155 841 000
Alvaro Romero Madrid 18 JUL 2012 - 10:28 CET
The persistence of the crisis, loss of business enterprises, unemployment and, above all, the heavy legacy of brick have again increased the volume of bad loans on the balance sheets of banks and Spanish, which is one step to overcome all historical records. As published this morning the Bank of Spain, the outstanding claim increased again in May, just as it has done over the past 10 months, to 8.95% of total, two tenths more than in April. After this rise, the rate remains at a pace that marked the record high in 1994, when it reached 9.15%.
In hard cash, however, has long been surpassed all records each month and set new highs. Specifically, the percentage of 8.95% is equivalent to 155.841 million euros of loans whose recovery is doubtful, which is multiplied by over six dubious volume 18 years ago. Furthermore, this increase in bad loans took place at the same time it reduced the total amount of money households and businesses have yet to return to the bench, which is down 10,300 million a month to 1.74 trillion, which adds another factor of concern to the portrait drawn by the monitor data. So far this year, while credit has been reduced by 42,000 million, mainly in the section on mortgage arrears has increased by 16,000 million, a difficult combination.
The balance of the credit outstanding of 40,000 million Devoler low since early this year
The default maximum marked in 1994 following the collapse of Banesto, which left a hole of 3,660 million euros, which coincided with the last recession that the Spanish economy has experienced until last 2009. In those years, the financial sector was dragging a long latent crises to restructure the difficulties, which ended up bursting with the intervention of the entity headed by Mario Conde. Banesto was eventually absorbed by Santander, which also took over the Central and Hispanic.
Experts assume that delinquencies continue to rise in coming months pending the conclusion of the consolidation process of the system, that on this occasion is being dragged longer than it should. That is, at least, investors are saying, do not loosen the pressure on Spain in the markets because of doubts about the restructuring and the involvement of the state and its debt-in the process.
To close the chapter once, the Government has decided to request the redemption of its partners in the euro, which have been made available in Spain a credit of up to 100,000 million for it. In return, Brussels put the sector in a difficult adjustment to reduce capacity, increase the minimum capital of 9% for all and will bring the boxes of the entities. Also impose conditions of supervision left the Bank of Spain, as its new governor, Luis Maria Linde, failed in the crisis, under the orders of the ECB.
The final figure of the needs of the entities will be known in autumn, after the conclusion of stress tests and audits commissioned from external auditors, whose objectives include, precisely to bring out the hidden potential delinquencies on accounts of the entities. That is, if they are clearly identified and problem real estate assets are properly provisioned.
more informationBankia crisis reduced minimum deposits since 2008The Bank of Spain takes his failure against the crisisThe demands to Spain for the redemption will be ratified on Friday
In any case, the first 30,000 million from the bailout funds urgently needed to revive the nationalized Bankia, Caixa Catalunya Novagalicia and arrive early as this July.
Banks and savings banks had to close last year, 304,000 million in credit and real estate developer awarded for unpaid debts. Of this, the Bank of Spain was classified as problematic some 184,000 million euros, either because bad loans, substandard (at risk of default) or property that has been the default banking of credits given to finance your purchase .
The independent test results, if confirmed the suspicion that banks have camouflaged damage claims, will push up the default rate. In the longer term, however, there is the question of whether the implementation of a bad bank will ease this burden. This entity is expected to bring together the toxic assets of the entities who request assistance under the bailout, as imposed by the conditions of the care plan.
In hard cash, however, has long been surpassed all records each month and set new highs. Specifically, the percentage of 8.95% is equivalent to 155.841 million euros of loans whose recovery is doubtful, which is multiplied by over six dubious volume 18 years ago. Furthermore, this increase in bad loans took place at the same time it reduced the total amount of money households and businesses have yet to return to the bench, which is down 10,300 million a month to 1.74 trillion, which adds another factor of concern to the portrait drawn by the monitor data. So far this year, while credit has been reduced by 42,000 million, mainly in the section on mortgage arrears has increased by 16,000 million, a difficult combination.
The balance of the credit outstanding of 40,000 million Devoler low since early this year
The default maximum marked in 1994 following the collapse of Banesto, which left a hole of 3,660 million euros, which coincided with the last recession that the Spanish economy has experienced until last 2009. In those years, the financial sector was dragging a long latent crises to restructure the difficulties, which ended up bursting with the intervention of the entity headed by Mario Conde. Banesto was eventually absorbed by Santander, which also took over the Central and Hispanic.
Experts assume that delinquencies continue to rise in coming months pending the conclusion of the consolidation process of the system, that on this occasion is being dragged longer than it should. That is, at least, investors are saying, do not loosen the pressure on Spain in the markets because of doubts about the restructuring and the involvement of the state and its debt-in the process.
To close the chapter once, the Government has decided to request the redemption of its partners in the euro, which have been made available in Spain a credit of up to 100,000 million for it. In return, Brussels put the sector in a difficult adjustment to reduce capacity, increase the minimum capital of 9% for all and will bring the boxes of the entities. Also impose conditions of supervision left the Bank of Spain, as its new governor, Luis Maria Linde, failed in the crisis, under the orders of the ECB.
The final figure of the needs of the entities will be known in autumn, after the conclusion of stress tests and audits commissioned from external auditors, whose objectives include, precisely to bring out the hidden potential delinquencies on accounts of the entities. That is, if they are clearly identified and problem real estate assets are properly provisioned.
more informationBankia crisis reduced minimum deposits since 2008The Bank of Spain takes his failure against the crisisThe demands to Spain for the redemption will be ratified on Friday
In any case, the first 30,000 million from the bailout funds urgently needed to revive the nationalized Bankia, Caixa Catalunya Novagalicia and arrive early as this July.
Banks and savings banks had to close last year, 304,000 million in credit and real estate developer awarded for unpaid debts. Of this, the Bank of Spain was classified as problematic some 184,000 million euros, either because bad loans, substandard (at risk of default) or property that has been the default banking of credits given to finance your purchase .
The independent test results, if confirmed the suspicion that banks have camouflaged damage claims, will push up the default rate. In the longer term, however, there is the question of whether the implementation of a bad bank will ease this burden. This entity is expected to bring together the toxic assets of the entities who request assistance under the bailout, as imposed by the conditions of the care plan.
ベンチ上の債務不履行は、ローンの8.95パーセントでレコード高値に触れる
貸倒引当は32％の年率で増加し、155841000に達してい
アルバロ·ロメロマドリード18 JUL 2012 - 10時28 CET
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