スペインのBanco Popular は2012年には5億2000万0000ユーロの収益を得たが、不動産の損失に備えての引き当ての準備金に96億0000'0000ユーロ?を充てたために24億6100万0000ユーロの損失·赤字に。
El Popular registra pérdidas de 2.461 millones por el sector inmobiliario
El banco multiplica por tres la partida destinada a hacer frente al riesgo derivado del ladrillo
La morosidad se dispara tres puntos hasta casi el 9%
El País Madrid 1 FEB 2013 - 09:13 CET
The Popular posts loss of 2.461 million for the property sector
The bank multiplies by three the line to address the risks from the brick
The default is triggered three points to almost 9%
The Country Madrid 1 FEB 2013 - 09:13 CET
The People's Bank lost € 2,461 million in 2012 for the effort they had to do to make provisions and remediating its property risk, because if not, the company has reported that 520 million would have won. In fact, the group increased more than three heading to cover its exposure to brick up to 9,600 million euros, the statement sent to the National Securities Market Commission (CNMV).
In an interview with Efe, the bank's president, Angel Ron, had anticipated that if the People had not made the required provisions by decree (to clean up the property risk) and stress tests, would have ended the year with a profit " of about 500 million. "
The company admits that its delinquencies climbed to 8.98% in 2012, up from 5.99% a year earlier, although coverage improved to 73.65% from 55.75% in 2011
The company, which added to their accounts at Banco Pastor in 2012, ended the year with a portfolio of loans to customers of 117.298 million euros, 18.6% more than in 2011, while deposits rose 16 , 4%, thanks in part to the incorporation of the Pastor.
Explains the bank, the fourth quarter of 2012 marked "a milestone" in the history of the company, after successfully completing a capital of 2,500 million euros and conduct "a massive write-downs" that allow you to maintain the highest level of coverage of the banks we cover advance compared with provisions and any adverse economic scenario for 2013 and 2014 without public aid.
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The last was a year "very difficult" in the bank "had to overcome a Spanish economy in recession, a minimum interest rates with aggressive competition in the retail liabilities and constant regulatory changes," which included the royal decrees of Spanish property sector sanitation.
Regarding margins the income statement, the interest grew by 30.3% and reached 2,718 million euros, while the gross rose 26.1% to 3.777 million, partly due to the increase 15.8% recorded by the commissions.
Operating profit grew by 23.9% and stood at 2.016 million, after deducting the costs of integration of Banco Pastor, which grew by 27%.
In 2012, the bank achieved a "high" level of extraordinary results, which totaled 432 million euros, 195 million in capital gains and other 282 million in recovery failed, exceeding expectations that the group had to exercise.
For the coming years, the company expects to achieve additional gains with the total or partial disposal of business recovery unit (sales in January), the credit card business, the teller and the business of life insurance and Portugal pensions.
Ron asks political scandals "to close soon"
President of Banco Popular, Angel Ron, today called political scandals "to close soon" because Spain is in a "critical, vital," and you need "are certainties" to facilitate economic recovery. "Political stability is essential for economic recovery," Ron said during the press conference to present the bank's results for 2012, and in relation to a question about the alleged illegal financing of the PP.
In this regard, Ron has been cautious and said to wait to have all the information, because currently only have the data "a part", but noted that in Spain there is something very important and sets us apart from other countries, which is that the government has "a strong majority".
On the situation in Spain, Ron has estimated that 2013 will be a year of transition to a slight recovery in 2014, and that although the macroeconomic environment "remains challenging", there are positive signs of improvement, if takes hold will result in an improvement credit flows in the coming year. However, Spain has called for further structural reforms and consolidation of fiscal deficit targets because, considered, "the next few quarters will be tough."
Moreover, as expected, the decline in GDP and therefore the increase in unemployment will cause the default rate from continuing to rise in the coming quarters.
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