スペイン国立銀行によるとスペインの銀行の債権不履行不払い?率は9'42%で1643万6000万0000ユーロに登る
La banca afronta su rescate con el nivel de morosidad más alto de la historia
El volumen de dudosos se dispara hasta el 9,42% y repunta en 8.300 millones en un solo mes
Las entidades financieras tienen un total de 164.360 millones de créditos impagados
Álvaro Romero Madrid 17 AGO 2012 - 10:33 CET
The bank faces his rescue with the highest default rate in history
The volume of doubtful shoots up to 9.42% and rebounds in 8,300 million in one month
Financial institutions have a total of 164,360 million outstanding claims
Alvaro Romero Madrid 17 AGO 2012 - 10:33 CET
Delinquencies on the bench exceeded all time highs in June, curiously in the same month in which the Spanish government decided to ask the European bailout to recapitalize the sector. Never since the Bank of Spain takes this data, from January 1962 - the percentage of outstanding claims against the total portfolio had reached 9.42% which exceeded during June. This rate is equivalent, according to data released Friday by the supervisor, to 164,360 million institutions are very difficult to recover.
With this rise, the NPL ratio has 15 consecutive months upwards though, taking a look further back, this represents 9.42% mutiplicar for over nine levels before the outbreak of the crisis, the financial in 2008, or eight who had before the bursting of the housing bubble in late 2007-and still wriggles. The challenge now is to wipe this sector huge volume of bad debt in a recession, unemployment and engaged in a profound process of recapitalization, something for which Spain has requested a loan of up to 100,000 million to its European partners.
Moreover, the increase in real money in defaults between June and May, which was 8.387 million, is also a milestone in the archives of the Bank of Spain, and the second-worst figure in the series. Only in July 2009 rose more delinquent credit in a month with an increase of 9,346,000.
So far, the delinquency was highest in 1994 after 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. However, a relapse into crisis and the latent problem of the heavy legacy of brick also have ended up spraying this record.
The financial sector began to suffer the effects of the bursting of the housing bubble in late 2007, when the volume of bad loans even reached over 20,000 million. However, the cascade of bankruptcies among developers and real estate, first, and economic decline, then this figure has soared to unprecedented levels, both in percentage and absolute terms. At the same time, banks and savings banks have become the great country estate because of the crisis to keep the buildings and homes that were on loan guarantees that have not been paid.
However, these floors, buildings and, above all, huge amounts of land allotted is priced at prices that have nothing to do with the reality of a fully dry. That, and the need to wipe the slate clean and tidy up the accounts, is where the key to reform, as experts say.
With regard to cleaning up the sector, the Government has commissioned eight independent firms audit the accounts of the entities. In the first phase, held in July, two independent firms throughout the sector subjected to stress tests to finalize the total money the whole system needs to recapitalize. This process has yielded a requirement of between 51,000 and 62,000 million to deal with solvency to a worsening of the crisis is not expected. Most of this money comes from nationalized or entities under the umbrella of the State (Bankia, CatalunyaCaixa, Novacaixagalicia and Banco de Valencia), which will have to resort to European money and represent around two thirds of the total to between 34,000 to 41,000 million .
Next was the turn of the auditors, whose mission was to bring order to the accounts and detect possible occult entities default. The objective of this work, already completed but the results have not been made public, was to bring out those credits misclassified. However, by way of example, suffice it to recall that one of the leaders of the first exercise tests, Oliver Wyman, reclassified directly to 20% of the loan portfolios of large corporations, small businesses and real estate construction companies not to Credit to the brick section.
To complete this process, the same Oliver Wyman vovlerá to stress test the banks, although this time and individually with the audit data. The numbers out of these new tests will be final to attend the European credit and request the funds necessary to sanitize and cover risks, which is expected to clear up all doubts raised by the sector.
The Bank of Spain data do not distinguish between types of credit institutions that compose the system, banks, financial cooperatives and credit estableciientos (EFC).
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