スペインのナバラ自治州の信用金庫のCaja Navaraは2009年には資産総額が12億5000万0000ユーロだったのが、2012年にはBanca Civica内のCaja Navaraは2億8000万0000ユーロに激減。
REPORTAJE
Navarra se tambalea sin su Caja
La absorción de Banca Cívica por Caixabank causa una crisis política regional y desata una cascada de denuncias por mala gestión y sobresueldos de sus máximos responsables
Juan Mari Gastaca 3 FEB 2013 - 00:00 CET
FEATURE
Navarra staggers without your Box
Civic Banking absorption by Caixabank cause a political crisis unleashes a cascade regional and complaints of mismanagement and bonuses of its top officials
Juan Mari Gastaca 3 FEB 2013 - 00:00 CET
Caja de Navarra, 2009: 1,250 million equity. Caja de Navarra (Banca Civica), 2012: 280 million. Why such a loss? It repeated the question in the community (643,713 inhabitants, 17.15% unemployment and a per capita income of 30,068 euros), which assists irritated at the loss of their savings bank-a historical symbol of the territory amid flood of complaints questionable spending and investment and political instability with unpredictable consequences.
"It's a case of political manipulation. Management is supported by the results and Caja de Navarra has been well positioned, "referring to the current 1.28% stake in CaixaBank," having managed to weather the storm of the crisis and mergers. " Says Jose Antonio Asiáin, last president of the organization, vice president in the government in 1984 and Urralburu victim of attempted bribery by the former deputy who is accused of PP Santiago Cervera. Asiáin, regular lawyer Caja de Navarra (CAN) to be elected president, indirectly alludes Kontuz (Care), an association of taxpayers, consumers and users of Navarre was born private prosecution of this case Urralburu-socialist president resigned after being convicted corruption-and that now is the scourge of cash management.
Kontuz linked to a leftist and nationalist sensitivity, has sued Miguel Sanz (prime minister between 1996 and 2011 Navarre) and Enrique Goñi (CAN general manager from 2002 to 2012) for alleged crimes and corporate malfeasance by stealth, and the dean of Pamplona, Mari Paz Benedict has accepted, in turn, complained to the Attorney Yolanda Barcina Navarre, Navarre Government's current president, for an alleged crime of insider trading for personal use. Barcina participated with 50,000 euros in a society created by the CAN to buy part of its branch network which is then leased to the same entity. "It was recommended by my adviser; clear that I regret, and I've lost money," admits the president.
Kontuz already forced the resignation last month of October as director Jesus Pejenaute Social Policy to be denounced for having ordered in 2007, when he was director of the commercial area of Caja Navarra, laundering of up to 180,000 euros in a single week in bills 500 after an estate sale. Ginger says "took precautions and that would not have named if made a supplementary income tax. "They act with impunity," says spokesman Kontuz, Patxi Zamora, who resigned after being elected councilman in the city of ANV Zizur (Navarra). This group traces the evolution of Caja Navarra and its transit through Banca Civica, who named brand in 2009 with the merger devised by Goñi and which were incorporated Caja Canarias, Caja de Burgos and Cajasol. In their research sources is common among the 600 dismissed 200 workers displaced CAN Catalonia and the managers of the entity Goñi (Pamplona, 1961) dismissed in 2002.
Miguel Sanz.
"I have no concern. What has been won by my work. I made the merger of the Fund with the Municipal and Provincial, are now in a great institution, the preference has been capitalized with no problem and the social work is the highest per capita of Spain. The problem of consciousness is other than going to the commission, watched and collected the diet, "says Sanz. For the president, who has also reported UPyD, "no street protests over the case and what influences is upset by the crisis and unemployment." Kontzu yesterday convened a demonstration in Pamplona "to know what happened in case of Navarre, who falls".
Enrique Goñi.
Miguel Sanz is one of the four politicians, all linked to the Union (UPN), they charged double diet their representation in the organs of the CAN, and that made the unknown Standing Committee of the Board of founding institutions, not has statutory coverage. Beside him, Yolanda Barcina, the mayor of Pamplona, Enrique Maya, and the Minister of Economy, Alvaro Miranda. Sanz, with an annual salary as president of Navarre of 69,354 euros, came to perceive in the same period 90,000 in diets CAN while Barcina acknowledged that 55% of its 143,000 per year also came from these supplements.
"They are normal diets, which corresponded to the sector," argued Enrique Goñi, which reduces to "a maximum of 60,000 euros" annual payment Sanz, who discovered in 2002 and with whom he now shares advice Sarria Bodegas. Ginger admits he "seem high, but we always said they were in line with what was paid in the rest."
This level of diets enables critical management Goñi understand "the silence of UPN and the PSE." To Cervera, whip the process of dissolution of the CAN to be involved in his arrest Kafkaesque, "Goñi has greased wills, taking the advice to employers, to an information society, politicians, and so was everyone happy, but now the totem falls, "says the former deputy refuge in Pamplona to prepare his defense and reluctant to speak to the media until the judge ruling on Fermin Otamendi its complaint.
Only now, converted the CAN since last January 3 in a foundation and surrounded by the growing social outrage to Parliament President Alberto Catalan, UPN, admits he is "the monotema" in the street, and Sanz Barcina critically assume some previous decisions, including that "maybe it was a good idea to open an office in Washington."
In June 2010, Goñi enables unlicensed bank Banca Civica an office of 800 square meters, close to the White House and the World Bank, who opened Dukes of Palma. The goal: to be open to a potential market of 300,000 customers by the social aspect of the project. Complete failure. The U.S. banking authorities even demanded the withdrawal of the signage outside the office. "Why do not we go to the U.S. if Miami operated at that time 13 states?" Asks Goñi. Caixabank settle this holiday is that supposed "480,000 euros a year, not 3.2 million as has been said," says the manager, now responsible for the management of the industrial holdings of investment company Criteria.
The company lost 1,000 million equity value in three years, with a council politicians cornered by UPN
Still, no one criticized the American adventure. Even the frenetic expansion policy. In Bilbao, the CAN paid six million for a downtown building to fight in a market dominated by BBK. "It is more profitable amortizándola property in 50 years that the rent," said Goni. In turn, Navarra box office increased from 240 in 2003 to 340 in 2007 and 510 in 2010, and as Banca Civica. Your responsible ditch the debate: "In 2002 we had a market share of 1.5%, and in 2009, 1.39%".
Unanimity was standing in a council of institutional bias until 2009 and then as depoliticized. Not even the alarm emitting Civic Banking suspense in the first test of 2010 caused stress cracks. Barcina recognizes that surprised him, but "we justified the reasons", although even then the losses (1.600 million) were significant. "But the second test was adopted because the requirements changed," justifies Asiáin to support strategic line Goñi, who, in a hurry, looking for alternatives. And in July 2011 turned to the stock market, following the steps of Bankia. "No one imagined that the economy would sink a few months after our IPO," says the manager of Navarre (Pamplona, 1961), a law degree.
The trading experience was devastating. No value has lasted less in the park Banca Civica, eight months and five days. His driver, however, remains convinced that "exit" was a success. The reality, however, discover a loss of 27% in the value of shares in a transaction estimated at 979 million. But Goñi was not questioned. Kingdom counsel in adversity, nobody asked why Americans JC Flowers funds had rejected the offer to take over 20% of Banca Civica by the method of the sale of convertible debt.
"Sanz was believed the American dream Goñi," says Manu Aierdi, economist and president of the PNV in Navarra. "Maybe it's a different navarro, I believe in the city and have seen the end that this is not possible," muses the former Director General of CAN, stunned by the storm of criticism that will attempt to defend himself at an upcoming voluntary appearance in Provincial Parliament, which will come accompanied by seven members of his former counsel.
Miguel Sanz charged more in diets as directors of the box as president of the autonomous region
Among the Socialists, Juan José Lizarbe, historic leader, dismisses the "collusion", even though the general secretary of PSN, Roberto Jimenez, admitted revenue of € 40,000 in allowances. Lizarbe reduces all the criticism of a "question": "If you hit with selected partners to Banca Civica or if it was better to go with the Basque savings banks or Ibercaja". Lizarbe actually seeks to determine whether there were "political reasons not to talk to the boxes of Euskadi", given Miguel Sanz's aversion to "the Basque issue." "At the time that was raised was impossible because there was no merger in the Basque savings banks," says Asiáin. Corroborates Goñi: "You can not merge with something that does not exist."
In turn, among the different voices consulted no commitment to live alone CAN, unfeasible to regulatory requirements. A report by the International Financial Analysts made it clear in 2009: "In your situation require the contribution of 800 million from a partner." But before reaching this Riezu Lorenzo, director of the entity who replaced Goñi, had already sent a report to various personalities of Navarra, in which he warned the wrong way.
So, there are those who identify "the fall of the regime" to unravel the political, media and economic fabric around Caja de Navarra. Sanz, in the center of attention with Ginger and Goñi, associating it with a double political overtones in a climate of political corruption and economic crisis. On one hand, understands that UPN-PP stormy breakup encouraged the incisive reviews of a wide sector of the traditional right that misses the loss of a logo as Navarro as CAN. At the other end lies the "clever" emergence of the nationalist left in a debate that weakens the power option that represents conservative minority UPN. And in the middle, the courts.
Among most Basque UPN and the PSN decides
The outbreak of the Caja Navarra is no stranger to political instability arising from a Government Council of UPN in the minority, you see broken bridges of understanding with the opposition, and especially with his former partner the PSN, since Yolanda Barcina, fearful that the nationalist left will add two deputies in the last general election, forced a pact with the PP that did not turn out well.
To make matters worse, UPN assists, before its congress next March 17, a pulse eloquent political control between the sensitivity of Barcina, prone to understanding with PP, and Alberto Catalan parliament speaker and defender navarro extreme of the agreement with the Socialists, in line with Miguel Sanz, their champion. In the middle, a prisoner of the opposition government, which recently has restored its health plan continued care reform as clear message differences that separate them and appeal to dialogue.
Catalan, worried about instability, only sees a way out Navarra: the covenant between UPN and PSN, two parties "condemned to understand," he says. "If you lose UPN wins nationalism, which, unlike other sites, here seeks the disappearance of Navarre. If he wins UPN gets Navarra Spain and the Constitution ", recognizing the fragmentation warns Parliament in six games, but with a tendency to compact especially after the legalization of Bildu and incorporating Amaiur Aralar to block.
Precisely, the hypothetical medium term understanding between nationalist forces cause fear in the forecasts of UPN and PP, especially in a scenario with no ETA. Manu Aierdi (PNV) sees possible "time" to weave this agreement abertzalecomo an alternative government. For the time is feasible and, incidentally, frustrates the threat of a censure motion.
Defined and the two great blocks, all eyes are on the position adopted by the Socialists, still digesting its hasty removal while Barcina Government are convinced that "any solution you want to search through the PSN" recalls Lizarbe .
With nine of 50 parliamentarians, the PSN seeks to recover from the doubts of the rest of the House. Lizarbe sees possible to position his party as an alternative to UPN, but admits: "People do not understand properly our entry into the government and were also penalized by the memory of Zapatero". To resurface, praises "the work we are doing concrete proposals in Parliament." The Socialists, without speech before the debate itself Caja Navarra, feel the wear on their backs has led them share four terms of agreements with UPN, who, however, stand as "rivals" with the PP.
However, aware of their influence, but also of the new situation that exists, not close any alternative. So Lizarbe PSN denies the existence of a veto to terms with nationalism, as it seemed accepted for decades. "This is a time where you can maintain a normal political dialogue", in direct reference to the absence of terrorism and legalization of the nationalist left.
Ginger knows that struggle against adversity: "We have had to make cuts removing excess positions of trust he had when I arrived, putting the same salary to directors, not previously charged all equal; diets eliminating public corporations .. . and this year we will meet the deficit. " And all this with a minority government after overthrowing the PSN, critical cuts and hurt by the contempt which earned him the last electoral pact UPN-PP. The president sees no other way out that the agreement with the Socialists, but discards anticipate elections. "Would not solve anything," he admits, like Catalan, who recalls the "few swings of votes that have taken place."
In UPN's not forget agostazo, appeal granted in Navarra's decision to veto Joseph White late in 2007 the agreement reached between PSN and Nafarroa Bai (without Bildu nationalists) that made the socialist Fernando Pure in new president. Miguel Sanz alerted the then powerful PSOE number two of his collusion with the nationalists. The PNV argues today that the PSN "will never have another chance to govern well."
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