スペインのBanco Santanderバンコ·サンタンデールは、2012年の一般収益は25%減少して52億5100万0000ユーロで、資本売却利益が10億6500万0000ユーロで、合計63億1500万0000ユーロの収益で、引き当ての準備金として41億1000万0000ユーロを当て、純益は59%減少の22億0500万0000ユーロに。
El beneficio del Banco Santander cae un 59% por las pérdidas del ladrillo
La entidad ha realizado provisiones por 18.800 millones para limpiar el balance
El banco devuelve íntegros los 24.000 millones que pidió al BCE hace un año
Los depósitos superan a los créditos en España por primera vez en décadas
El grupo vendió una cifra récord de 33.500 inmuebles en España el año pasado
El País Madrid 31 ENE 2013 - 13:55 CET
Santander Bank profit falls 59% for losses brick
The bank has made provisions for 18,800 million to clean up the balance
The bank returns intact 24,000 million it requested the ECB a year ago
Deposits exceed loans in Spain for the first time in decades
The group sold a record 33,500 properties in Spain last year
The Country Madrid 31 ENE 2013 - 13:55 CET
The Banco Santander closed 2012 with an attributable profit of 2,205 million euros, representing a decrease of 59% compared to 2011. 2012 Ordinary profit falls 25%, to 5,251 million euros, in addition to capital gains obtained 1.065 million, primarily from the sale of the subsidiary of Colombia and the reinsurance of life insurance portfolio in Spain and Portugal . Therefore, the profit for the period would have been 6.315 million euros before committing 4,110 million net of provisions to cover risks in the real estate sector in Spain, reducing profits to said 2.205 million, the lowest figure in many years and also falls short of analysts' forecasts handled.
The chairman of Banco Santander, Emilio Botin, said through a statement that "in 2012 the profit marked a turning point". "In 2013, after completion of the special allowances, we will see a sharp increase in results, supported by recurrent revenue and control costs, "he added.
The company considers that the results of 2012 show the strength of the group, "and that despite several years with a difficult economic context, continues to show revenue growth and profit before provisions of around 2%." The Santander enters 43,675,000, with costs of 20,116,000. The difference shows a profit before provisions of 23.559 million euros, and an efficiency ratio of 46.1%. Both indicators are among the best of the big international banks.
This benefit allows you to take supplies to an adverse situation. Of this amount, 12,666,000 (28% more than the previous year) was allocated to loan loss provisions for doubtful debts, while other 6140 million gross (net 4,110 million) has been allocated to cover the real estate risk in Spain. These endowments cause the bank has losses in Spain that are offset by benefits in other countries.
Provisions for bad debt allow an increase for the fourth consecutive quarter of loan loss coverage of both the entire group as a business in Spain, placing them in 73% and 71%, respectively. Thus, in 2012, the loan loss coverage has improved by 11 percentage points in the group and in 25 in Spain.
More deposits than loans in Spain
The whole group net loans amounted to 720.483 million euros, representing 113% of deposits (647,540 million). Before the crisis, in December 2008, the ratio was 150%. Loans fell by 4% and deposits rose by 4%, no repos.
The group says that "it is especially notable business developments in Spain, where happens to have more deposits than loans for the first time in decades." For every $ 100 in deposits have 96 credits when four years ago for 100 in deposits, had borrowed 178. This was due to two factors, explains the bank: the strong deleveraging process of the Spanish economy and the growth of deposits of Santander, although in the whole market down.
This deleveraging process is also a credit crunch. The Santander in Spain ended 2012 with 194,170 million euros in loans and deposits 201 850 million, down 6% in gross lending and a 12% increase in deposits. In a year has attracted 22,000 million euros, equivalent to earning 2.2 points of market share in deposits. The greatest growth was recorded in particular, with 19%, followed by companies (+6%). The decline in credit, the bank is linked especially to the 32% fall in real estate lending purposes.
In other markets, deposits also grow: in Latin America, 9% to 19% with Mexico and Brazil and Chile to 6% - in the United States, 5%, and in Portugal, 2%. In the UK, however, remained stable.
The improvement of the deposits and the reopening of the carbon market have resulted in an improvement in liquidity that has allowed the group to return to the full ECB liquidity long term (LTRO) taken by Banco Santander and Banesto in December 2011 and that was for an amount of 24,000 million euros. They keep another 11,000 million taken in the second chance he gave the ECB to take liquidity. The Santander ECB considers these lines as a "liquidity insurance", as the bank redepositaba the ECB took the amount borrowed.
The group's delinquency rate stood at 4.54%, representing an increase of 0.65 points compared to 2011. In Spain, delinquencies stood at 6.74%, an increase of 1.25 points in the year, also affected by the credit crunch. In the UK, the delinquency is at 2.05%, 0.21 points more in a year. In Latin America, the delay rises 1.1 points to 5.42%. In contrast, low delinquencies in the U.S. 0.56 points (2.29%), Poland 0.17 points (4.72%) and 0.07 points in Santander Consumer Finance (3.90%).
Sale of 33,500 properties in the year
In 2012, Santander has reduced its exposure to real estate risk by 26%, from 31,994,000 to 23,705,000. This cut was made by reducing the loan portfolio (doubtful, substandard and remaining outstanding balance of the sector) and the property awarded or acquired in payment of debt.
The balance of the loan portfolio of brick fell 7.575 million in 2012, to 15.867 million, and the property fell by 714 million, ending in a balance of 7,838,000. This reduction is due to the aggressive policy of sale of real estate in 2012 has meant that they have been sold a record number of 33,500 properties and promoters themselves. "The bank will continue to give priority to the sale of these assets," the company explains.
The bank still has a net exposure to the Spanish property sector of 12.509 million euros. This exhibition, however, is almost half that at the end of 2011, when it amounted to 24,892,000. The provisions made now total 11,196,000.
It maintains the dividend
As expected, the remuneration per share in relation to the results of 2012 will be of EUR 0.60 per share for the fourth consecutive year. Be distributed by Santander Scrip Dividend program, which gives the option to choose to receive shareholder in cash or shares in the four usual dates. The dividend exceeds the results of the year and is only sustainable through paid mostly in shares and cash.
The Santander Group's shareholder base also remains stable. Shareholders totaled 3,296,270 to 2012, 2733 from a year earlier. In group work 186,763 people (3,003 less than at the end of 2011), serving 102 million customers in 14,392 offices (364 offices less than a year earlier). These figures place Santander as the largest financial groups in number of shareholders as at branch network, according to the bank itself.
21,000 beneficiaries of the moratorium on evictions
EFE
Santander president Emilio Botin also explained that the mortgage moratorium launched in 2011 by the organization to help troubled mortgage customers to meet their debts and avoid eviction benefited 21,000 customers by the end of 2012.
"At Santander we have very clear," said Booty, "the eviction is the last and worst option for all our customers and for the bank."
In short, the mortgage moratorium was aimed at those mortgage holders who saw their income or where one member was unemployed, so they could defer principal payments for three years without changing financial conditions.
In addition to this particular initiative, Santander became March 2012 in the first major Spanish banks to adhere to the Code of Practice approved by the then government to stop evictions in families at risk of social exclusion.
0 件のコメント:
コメントを投稿