スペインの銀行は2012年8月末には、スペイン国債を2438億0000'0000ユーロ保有しており、スペインの家族や企業は、銀行から13%の2190億0000'0000ユーロを引き出し、1492兆0000'0000'0000ユーロの預金残高
MERCADOS BCE
La banca española frena su salida de la deuda pública en agosto
Las entidades reducen su exposición en 2.900 millones, un recorte del 1,2%
El descenso constata la desaparición del efecto beneficioso de la barra libre de liquidez
La retirada de depósitos se acelera desde la petición del rescate para la banca
La concesión de créditos al sector privado aumenta su contracción al 0,6% en agosto
Reuters Fráncfort (Alemania) 27 SEP 2012 - 12:32 CET
ECB MARKETS
The Spanish banking output slows its public debt in August
The entities reduce their exposure by 2,900 million, a reduction of 1.2%
The decline confirms the disappearance of the beneficial effect of the open bar liquidity
The accelerated withdrawal of deposits from the request of the bank bailout
Providing loans to the private sector increases its contraction to 0.6% in August
Reuters Frankfurt (Germany) 27 SEP 2012 - 12:32 CET
The Spanish banks' exposure to government debt fell again in August, confirming that the effect of the open bar benefit of the European Central Bank liquidity in funding the state has been dissipated. According to data published Thursday the European Monetary Authority, Spanish banks reduced their investment in sovereign debt by 2,900 million euros. We also chose the Italian put the brakes on purchases of securities of countries.
Moreover, the ECB has also released this morning the evolution of deposits and credit. In the first section, the figures reflect a decrease of 13% on the money that households and businesses, but also funds, governments and other institutions had deposited in the bank in August over the same month of 2011. This figure reveals that accelerates cash outflow of Spanish banks, a trend that has been recorded since June was sought bailout for the industry.
The ECB data, which does not specify which countries are sovereign debt sales, show that output slows banks liability of States. In July, in fact, their exposure to this asset down more with some 7,600 million. However, strong oscillations are also constrained by the maturity schedule facing the financial sector itself.
At the end of August, Spanish banks have a total exposure adjusted to market prices, of 243,800 million euros in sovereign debt. The Italian, who reduced their investment 1,400 million, retained 341,000 million.
moreThe Bank of Spain puts real fall deposits 55,000 million
Contrary to developments in recent months, the bank increased its investment in debt by 77,000 million between January and March billion euros thanks to the open bar liquidity. This rain of cheap money repayable over three years encouraged purchases by sovereign entities and was encouraged by the governments themselves, as the then French President Nicolas Sarkozy.
However, in the long run, this policy encouraged the doubts of investors by increasing the link between sovereign risk and financial risk, which passed a special bill to Spain in the markets.
As for deposits, down 13% in August left the total 1.492 billion, 219,000 million less than the same month of 2011 and their worst record since April 2008, according to ECB data. In July, the crop was 11% and in June, having ordered the rescue of 7%. These figures collected, along with household and corporate deposits, which make communities or municipalities, residents outside Spain and deposits of insurance companies, pension funds or mutual funds.
However, the Bank of Spain has recently qualified to perform an accurate analysis of the evolution of deposits in order to identify a possible escape liability, the dependent entities to keep up business loan, you should take only the behavior of households and companies residing in Spain. In fact, estimates that 61% of deposits up to money withdrawn was neither families nor businesses.
With this selection, the supervisor restricts 85,000 million cash withdrawals from banks between July 2011 and July 2012. In addition, the supervisor said that we must keep in mind that banks have captured about 30,000 million in notes.
Finally, the ECB has also released data Thursday on granting credits, which show a decrease of 0.6%, up from 0.4% in July, fragmented financial markets, according to Commerzbank analyst Michael Schubert. Down to detail, loans to businesses contracted in August by 0.8% yoy, 4/10 more than in July, while loans to households rose 0.2%, one tenth less than in July or 7,000 million euros monthly.
The big banks need 199,000 million capital
Major European banks have a capital deficit of 199,000 million euros to meet capital requirements set by the Basel III international standard, which aims to increase the resilience of financial institutions to future crises.
If implemented and the requirements of Basel III, which will begin to take effect in 2013 and fully implemented in 2019 - the average Tier 1 capital structure of the main institutions of the EU 44 would fall from 10.3% to 6, 9%, according to data from December 2011.
88% of large banks would meet or exceed the minimum ratio of 4.5%, while only 49% of companies reach the target of 7% (which includes the capital conservation buffer).
The capital shortfall stands and 8,000 million euros in order to achieve a minimum of 4.5% and reached 199 000 million for the ratio of 7%. Compared with previous projections, made with data from June 2011, the major European banks have increased their capital structure by 0.4 percentage points and reduced their deficit and 32,300 million euros.
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