スペインのCajastur, Caja Castilla-La Mancha, Caja Extremadura, Caja Cantabria が合併したLiberbankは,13億8400万0000ユーロの資本増強のための融資を4回に分けて受け、銀行再編基金から(Frob)、始めに1億2400万0000ユーロの融資を受け、5年間で規模を25%に減少し、不良債権処理銀行(SAREB)に10億0000'0000ユーロの不良債権を売却。Caja 3, BancoMarenostrum, Banco CEISSも18億6500万0000ユーロの融資を受ける
BANCA REESTRUCTURACIÓN
Liberbank reducirá su tamaño en un 25 por ciento y saldrá a bolsa antes del verano
EFE Economía Madrid 20 DIC 2012 - 16:47 CET
BANK RESTRUCTURING
Liberbank reduce its size by 25 percent and will go before summer bag
Economy Madrid EFE 20 DIC 2012 - 16:47 CET
Liberbank restructuring will receive 124 million euros in aid, reduce its size by 25% over the next five years and for its IPO in the first half of 2013, has informed the National Securities Market .
These are the main lines of the plan approved today by the European Commission to ensure the viability of the entity resulting from the merger between Cajastur, Caja Castilla-La Mancha, Extremadura and Cantabria.
In a statement to the CNMV, Liberbank explained that that plan has now been endorsed in Brussels, foresees a recapitalization of up to 1,384 million euros through the implementation of four measures.
The first is that Liberbank receive 124 million euros in aid in the form of contingent convertible bonds (cocos) subscribed by the Fund for Orderly Bank Restructuring (FROB) that will have a maximum repayment term of two years.
A number that is much lower than the 1,198 million capital deficit test revealed Oliver Wyman, due to the transfer of assets to the so-called "bad bank".
Specifically, the company will transfer assets and real estate loans deteriorated to the Asset Management Company from bank restructuring, Sareb, amounting to 1,000 million euros.
In addition, the company will perform actions such as the exchange of hybrid capital instruments and the sale of some assets.
In the statement released today by the European Commission explained that until now had not needed Liberbank public aid in the form of capital, but recalled that itself has benefited from state guarantees for senior unsecured debt that were granted under the scheme guarantees of debt issued by banks in the amount of 3.875 million.
Liberbank addition, the European Commission today authorized the restructuring plans of Box3, BMN and CEISS Bank, entities with the first, need a joint aid of 1,865 million euros.
"The restructuring plans of BMN, Box3, Bank Liberbank CEISS and will return to be viable," according to the EC, for whom these entities must refocus its business model to center in the retail business and lending to SMEs in regions in which they had traditionally operated.
Also, the EC says that these entities will stop lending to real estate projects, or maintain a marginal activity in this area, and will limit its presence in the wholesale banking business.
"This will help strengthen its capital and liquidity positions and reduce its reliance on interbank funding and Central Bank," says the EC, who believes that the transfer of assets to the "bad bank" will reduce the impact of additional impairment of assets higher risk and help restore confidence.
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