スペインのFROB;銀行編成基金は、BANKIA銀行の支払い能力を支えるために、緊急に45億0000'0000ユーロを注入
El FROB inyecta 4.500 millones en Bankia para apuntalar su solvencia
La grupo cerró el primer semestre con un déficit de capital de más de 12.000 millones
El banco dice que cumplirá los ratios en enero
Cristina Delgado Madrid 3 SEP 2012 - 22:07 CET
The injected FROB 4,500 million in Bankia to shore up its solvency
The group closed the first half with a capital deficit of 12,000 million
The bank says it will meet the ratios in January
Cristina Delgado Madrid 3 SEP 2012 - 22:07 CET
Its core capital ratio was 0.1%, compared with 8% minimum required by the rules in force. BFA did not meet anywhere near the minimum capital requirements set by the financial reforms to all entities to ensure their solvency. Bankia matrix (Financial and Savings Bank) recognized this in their statements. Not even meet the basic requirements, established in 2008 by the Bank of Spain. Go short of funds and needed urgent help. Thus forcing the government to overtake the capital which receive European bank bailout. The FROB, as planned, on Monday approved an injection of 4,500 million euros for the group of Bankia.
The matrix had a June 30, 2012 a deficit of own funds (the recent decrees establishing banking consolidation) of more than 12,800 million. Not to mention that, in addition, before the end of 2012, BFA should be a capital cushion as financial reform demands of 2,767 million euros. And on January 1, 2012 the capital ratio requirements increase to 9%.
The Treasury will provide 6,000 million to the fund, which will increase capital in BFA
FROB aid comes through a complex operation: The Treasury, through a contribution of public debt and liquidity, will increase the equity allocation of the FROB 6,000 million euros. With this capital, the FROB will go to a capital of 4,500 million euros of BFA. And BFA, in turn, made a subordinated loan to Bankia.
A matrix of Bankia, given its portfolio, current regulations required to have in the first half of each eligible capital of at least EUR 12,765,000, as shown in the results presented to the National Securities Market Commission Securities. Not only reached them, but their resources were at EUR 83.5 million negative. If we add to this deficit plus the extra cushion of capital required by the decree of sanitation in February, the group needs a total of more than 15,600 million euros to meet the minimum standards established by the successive financial reforms. As for Bankia, the group's main capital amounted to EUR 7.362 million in June, which means that at the end of the first half had a core capital ratio "of 4.9% compared with 8% minimum required by the rules in force ", recognizes the entity headed by José Ignacio Goirigolzarri in their accounts. It also requires "capital cushion required by Royal Decree Law 2/2012", is appropriate, if encryption in 1,925 million euros. In total, therefore, would lack 6,582,000 euros. "The first-half figures which show that when the team studied Goirigolzarri entity and said he needed 19,000 million, did not a whim," they said from the entity.
Bankia will receive capital from its parent with a subordinated loan
Neither BFA nor Bankia reach that 8% of capital required by the decrees of 2011 and 2012. With the expansion of 4,500 million will not. What the company is looking to catch up and meet the regulations come into force on January 1, 2013, according to the reform approved last Friday. By then, the maximum required solvency capital will rise to 9%, says the company. By then also, theoretically, the 4,500 million euros now injects the FROB will have become nearly 19,000 million, once it is paid on the Spanish banking bailout come from the European Union. According to the press on Monday, the exact figure that Bankia will be revealed "in the coming weeks."
With the injection of 4,500 million on Monday, but does not reach the level of 9% future nor the decrees of 2011 and 2012, and is located at least at levels that the Bank of Spain regulations since 2008 considered acceptable. As pointed out by the commission in a statement FROB, the immediate objective of the aid is to "restore the levels of regulatory capital of the group as it completes its restructuring plan and ensures the safety of deposits and access the entity all possible sources of funding. "
Bankia said in May that needed total public economic support 19,000 million. Most will go to offset its deficit and create the required capital mattresses to cushion the weight of the brick. The rest is intended to offset the losses that the entity estimates that will in the second half of the year, since, according to the viability plan that drew Goirigolzarri Bankia in May to clean up part of the cost of sanitation would be included in the second half exercise.
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