スペインの不良債権で国有化された銀行は、焦げついた不動産·住宅の販売を促進=不良債権の排除
BANCA REESTRUCTURACIÓN
Carrera contrarreloj de la banca para liquidar el 'ladrillo'
EFE Economía Madrid 12 AGO 2012 - 10:58 CET
BANK RESTRUCTURING
Race against the bench to settle the 'brick'
Economy Madrid EFE 12 AGO 2012 - 10:58 CET
The summer has been anything but quiet for the four nationalized entities, Novagalicia, CatalunyaCaixa, Bankia and Banco de Valencia, who are making efforts to reduce its real estate portfolio, they consume large supplies and hampers, ultimately, its balance sheet.
A good example is that of CatalunyaCaixa, an organization that houses sold until June 3777 by EUR 630 million. A month later the figure rose to 6,700 dwellings, nearly 1,000 million euros.
The Catalan club is one that has taken the lead in attempts to "desenladrillarse" although others have not been left behind.
Between January and June, latest available data, Bankia got rid of 2,400 properties, totaling 230 million euros. However, if you add subrogation of promoters, and transfers of land and sales, the figure which has divested the group amounted to 6,700 units, valued at 760 million.
The output of the floors in a recession is not easy, and banks have resorted to aggressive marketing activities and especially to heavy discounts, which in the case of Bankia, for example, amounted to between 40 and 60 % of the value of some floors.
CatalunyaCaixa, meanwhile, has also chosen to promote their stories on the outside, with a specific structure of international actors to convince foreigners of the advantages of purchasing a second home in Spain.
Novagalicia, according to local press, has sold a total of 1,426 properties, totaling 169.6 million euros, more than in 2011, the year in which turnover of 175 million euros. However, despite these sales still has a stock of 5,500 dwellings.
The CAM is another of the old savings banks that were drowned by the brick. Now in the hands of Sabadell, the entity is outputting its properties rapidly.
According to informed sources told EFE the Catalan, Sabadell 2,336 homes sold in the first half, of which around 60% are from CAM Bank.
This translates to 451 million euros admitted, with a target for the year of 1,193 million euros. The average discount has been applied to the Catalan club is around 38%.
The frenzied real estate activity has also infected the two Spanish groups Santander and BBVA, which even have the capacity to support the weight of brick, are keen to reduce the load.
The BBVA sold about 2,500 properties in the first half of the year, 40% more than last year, and plans to complete the installation in less than 21 months in 2014.
In addition to selling to individuals, both BBVA and Santander intend to sell portfolios of assets "damaged" to foreign funds.
BBVA expects to close in September the sale of a portfolio of 2,000 million euros, as that Santander wants to sell to vulture funds, as published by the press-a portfolio of approximately 1,500 million.
From January to June in any case, Santander has shed 6,200 homes, which is placed at the head of the sector.
Financial analysts explain this frenetic activity by the imminent approval of Royal Decree Law to regulate the "bad bank" and is scheduled for Cabinet on 24 August, announced a few days ago the Minister of Economy, Luis de Guindos.
All entities who request aid to recapitalize their assets will have to cross "damaged" to an external management company, which in the case of nationalized institutions will be shared.
For now, the race Economy works to define the details of the standard, and what legal structure will have the new society, and how it will finance.
Another important detail is what price the banks overstep the ground floors and awarded the "bad bank" as it is this factor that will determine whether or not incur losses.
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