スペインの2012年11月の家庭や企業の銀行への預金は160億0000'0000ユーロ増加して9000億0000'0000ユーロに、国債などの約束手形からの移転がほとんど。約束手形は2012年10月から11月にかけて130億0000'0000ユーロ減少。約束手形は銀行や信用金庫が倒産した場合に、預金のようには100'000ユーロまでの預金保障がされない。
Los depósitos en la banca de las familias y empresas se recuperan en noviembre
La derogación de la penalización de Salgado al pasivo explica el mayor repunte en dos años
El dinero depositado por los ahorradores aumenta en 16.000 millones y supera los 900.000
Álvaro Romero Madrid 3 ENE 2013 - 11:36 CET
Deposits in the banking families and businesses recover in November
The repeal of the liability penalty Salgado explains the biggest increase in two years
The money deposited by savers increased by 16,000 million and over 900,000
Alvaro Romero Madrid 3 ENE 2013 - 11:36 CET
Families and companies resident in Spain rose strongly in November its investment in deposits, according to data published by the Bank of Spain. The increase was almost 17,000 million, the highest in a single month for the past two years, bringing the total again exceeded 900,000 million.
This significant increase, however, was not the result of a similar increase in the resources of households and non-financial corporations. Most of the increase is explained by the transfer of savings so far have opted in notes, the outstanding balance decreased by 13,000 million in November compared to October, according to the research services of BBVA.
The reason for the change is the gradual tendency of institutions to improve the profitability of the liability after the repeal of the penalties that the previous government had imposed on products offering high remuneration. This standard, adopted to involve the sector restructuring costs, was made proliferate issuing notes, which were not affected by the surcharge. Unlike deposits, which have a background that covers up to 100,000 euros per account holder in case of bankruptcy of the bank or savings bank, these products are not guaranteed.
Entities depend on their ability to attract savings from businesses and families to keep the already meager credit channel. The sector has been left without access to wholesale funding market and has been with the window to get the ECB extraordinary liquidity. Doubts about the sector, which reached a peak after the nationalization of Bankia and the subsequent decision of the Government to ask the rescue, resulted in a sharp withdrawal of funds, but the situation did not reach the level of capital flight, which would have further aggravated the crisis.
The banking regains appetite for sovereign debt
Spanish banks renewed last November its commitment sovereign bonds to increase their exposure to government debt 4,231,000, reduced after October 5.185 million euros in its debt portfolio, as reflected in the Central Bank data (ECB).
Thus, the aggregate exposure of Spanish banks to sovereign debt rose in November to 259 437 000, the highest since April 2012 when the sovereign debt portfolio held by Spanish banks totaled 261,450 million.
This increased confidence of banks in the bonds issued by the euro zone states is reflected in the strong growth of the public debt portfolio of Italian banks, which increased to 2.083 million in November, up to a record 370 142 000 euros.
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