スペインのSANTANDER銀行の2012年6月までの貸し付けは2011年より21'6%減少して198億7400万0000ユーロ,土地は28%増加して46億0100万0000ユーロから58億2100万0000ユーロに増加、担保保障率は43'6%で支払い滞納率も88%増加、不良債権の不動産の土地や建物をどう処理するかが問題
PROPIEDADES
El ladrillo del Santander
Reducer la cartera de viviendas pero aumenta la de edificios de oficinas y hoteles
Los créditos del suelo crecen un 28% de junio de 2012 al mismo mes del año anterior
Juan Carlos Martínez Madrid 18 OCT 2012 - 16:15 CET
PROPERTIES
The brick Santander
Reducer housing portfolio but increases of office buildings and hotels
Soil Loans grew 28% from June 2012 to the same month last year
Juan Carlos Martínez Madrid 18 OCT 2012 - 16:15 CET
Everyone knows that the Santander, including Banesto, was the bank that best stop came from Oliver Wyman's analysis, with a capital ratio that even in the worst case scenario, it would go to 10.8% in December 2014, a percentage equivalent to 57,147,000.
But beyond the big numbers, the real estate assets for the group still chaired by Emilio Botin, and the rest of the Spanish financial system, a goal closely monitored, since their management is subject to promoters and return the private loans. A task that is becoming increasingly complicated.
The numbers come to say that, until last June 30, the promoter Santander credit was reduced to EUR 19.874 million gross (21.6% less than in 2011), covered with provisions to 43.6% by default Unstoppable was increased by 88% compared to a year earlier.
Significant reduction in both funding for buildings already completed or under construction, but not in the soil. In this case, not only does not reduce the credit, but increases by almost 28%, from 4,601,000 to 5,871,000 euros, both solar urbanized as where they are not, despite its strategy of restricting funding to "restore the proper level of coverage or increased guarantees," according to the company.
Credit to the promoter was reduced by 22% in a year despite a delinquency increased by 88%
The floor is also the only player foreclosed assets increased from a year earlier, in addition to the completed buildings from non-residential. Offices, hotels or other assets whose presence on the balance sheet has been significantly increased in recent months and foreclosures mendations to developers in trouble. Accounted for 506 million euros in June 2011 and reached 907 million euros a year later, a 79.2% more.
From here, Altamira and Promodomus are the two companies through the Santander manages real estate assets, and many of them are exposed in a section devoted to the investor within the portal www.altamirasantander.com.
All for sale. Soil finalists for 15,600 homes, more than 13.5 million square meters of rural land, housing and tertiary assets leased temporarily to cover expenses and promotions, both construction stops.
"We do a feasibility study to see what kind of properties can fit and once already detailed the project is done," say managers about the subject on which the decision to settle some promotions are carried out and others do not. In the end, as always is a matter of profitability.
It is the reason that, for example, decides to pull forward with the project in Trafalgar Street, 33, in the heart of Madrid's Chamberi district, and not to the rehabilitation of the road from Ayala, 63, in the Salamanca district.
Probably because, in the latter case, the 11 million with the bank financed, in November 2006, the estate IBOSA to purchase the building, now seem excessive.
If the purchase of the ground we add the cost involved in the reform bills would leave hardly any time the building has a floor area of 1,863 square meters, about 15 stories high or 25 children.
Instead, they must exit numbers on the site vacated after demolishing the corrala Chamberí, despite prices slightly higher result. Studies of 50 square meters with prices between 220,000 and 270,000 euros, two-bedroom flats, 115 to 123 meters, between 455,000 and 550,000 euros, and four of 293 meters, over 1.3 million euros. He has sold two in the ten months spent in sales promotion. One of them, the attic, three bedrooms and 173 meters, which is now offered by 1.14 million.
In addition to foreclosed properties, Santander has some unique buildings whose management is proving difficult. Building properties like Spain or the whole block Canalejas, who would not or could not sell for around 600 million euros. In the historic center of Madrid, have a combined market value of less than 400 million.
There's the bulk of Spain Building, crowning the square of Spain and closed up tight, accumulating a progressive deterioration since, for almost seven years, Santander, through its real estate investment trust, bought it to Metrovacesa by 277 million euros. There are 28 floors, 117 meters, 4,600 meters plant and 32 lifts.
All unused and monitored so that, as has happened in other neighboring properties, will not occur occupations. "There is some novelty, or offers or anything. He continues to study the project, "is the terse comment from Santander on plans for the property.
More movement exists around the whole block of buildings Canalejas, near Puerta del Sol In the ancient seats of banks Santander Central Hispano and Banesto, accumulated after the successive mergers, there is an option to purchase, confirmed by the bank, which the OHL Group, chaired by Juan Miguel Villar Mir, would be 52,000 square meters spread over seven buildings to promote housing, commercial space and a luxury hotel that would manage Four Seasons, the chain that are owners Bill Gates and Prince Walid bin Talal of Saudi Arabia.
The closing of this transaction would close a process announced as finalized in several occasions, but never materialized, as with the Basque investment group R & A Management Palace, unable to find the 350 million bid.
Building Canalejas and Spain
In addition to foreclosed properties, Santander has some unique buildings whose management is proving difficult. Building properties like Spain or the whole block Canalejas, who would not or could not sell for around 600 million euros. In the historic center of Madrid, have a combined market value of less than 400 million.
There's the bulk of Spain Building, crowning the square of Spain and closed up tight, accumulating a progressive deterioration since, for almost seven years, Santander, through its real estate investment trust, bought it to Metrovacesa by 277 million euros. There are 28 floors, 117 meters, 4,600 meters plant and 32 lifts.
All unused and monitored so that, as has happened in other neighboring properties, will not occur occupations. "There is some novelty, or offers or anything. He continues to study the project, "is the terse comment from Santander on plans for the property.
More movement exists around the whole block of buildings Canalejas, near Puerta del Sol In the ancient seats of banks Santander Central Hispano and Banesto, accumulated after the successive mergers, there is an option to purchase, confirmed by the bank, which the OHL Group, chaired by Juan Miguel Villar Mir, would be 52,000 square meters spread over seven buildings to promote housing, commercial space and a luxury hotel that would manage Four Seasons, the chain that are owners Bill Gates and Prince Walid bin Talal of Saudi Arabia.
The closing of this transaction would close a process announced as finalized in several occasions, but never materialized, as with the Basque investment group R & A Management Palace, unable to find the 350 million bid.
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