スペインの不良債権(貸し倒れ)で破産し国有化されたNovagalicia Banco銀行(NCG Banco)は、2012年には、不良債権(貸し倒れ)の損失の準備金の引き当てとして82億2400万0000ユーロを当て、79億3700万0000ユーロの損失を計上。
Novagalicia sufrió pérdidas de 7.937 millones de euros en 2012
El banco realizó saneamientos y provisiones por 8.224 millones el año pasado
Redujo plantilla en 2.011 personas y cerró 528 de sus 844 oficinas
El País Madrid 30 ABR 2013 - 11:05 CET
Novagalicia suffered losses of 7,937 million euros in 2012
The bank made provisions for sanitation and 8.224 million last year
Reduced workforce by 2,011 people and closed 528 of its 844 offices
The Country Madrid 30 ABR 2013 - 11:05 CET
NCG Banco, which operates under the trade Novagalicia, closed 2012 with a loss of 7,937 million euros. The losses are in line with the provisions of the restructuring plan of the entity.
The nationalized entity allocated 8.224 million euros in provisions and writedowns to cover losses during the past year, including provisions on disposal of assets to the bad bank, the Sareb (Society Claims arising from the Restructuring Banking).
"The accounts of 2012 marked the most active sanitation conducted by NCG Banco to address the recapitalization and restructuring plan," the entity.
moreTaxpayers lose 325 million with Banco GallegoThe sale of subordinated NCG in 2011 could "rub the criminal"Novagalicia open 102 offices in the evenings from May 6The company entered into losses in 2012
The group exercise reduced 40% risk-weighted assets (RWA), due mainly to the transfer of assets to the Sareb, the deconsolidation of Banco Gallego in 2012 and also reduction strategy in lending in large corporations and developer and real estate sectors. Customer credit stood at 30.795 million euros, with a reduction of 17.757 million during the year, with the conditions mentioned above.
NCG Bank ended 2012 with a staff in the matrix of 5,705 employees and a network of 844 branches (including 18 abroad). Personal adjustment made by the parent of the group since 2010 rose to 2,011 people, while the network did so in 528 offices. 2012 Over 212 closed 161 offices that were outside Galicia.
Development of margins
During 2012, net interest income generated 724 million euros, representing an increase of 7.2% over the previous year. Gross margin stood at 975 million euros, up 7.2% year-on-year change, affected by the result of financial operations, the provision of resources to the Deposit Guarantee Fund and by lower fee income. Fee income fell by 21.9% in 2012, in line with the strategy followed by NCG applying the most appropriate charging commissions to their clients.
The bank has placed its insolvency fund in EUR 2.803 million, positioning the coverage rate of 59.8%, 7.69 percentage points above the close of 2011.
The company sold 10,073 properties, worth 950 million euros, 39.3% more than during the previous year compared with a fall of 11.3% from the sale of homes in Spain. The year closed with a reduction promoter net exposure of 91.9% benefited from the transfer of assets to the SAREB and sale of properties from its balance sheet.
Of the 8.224 million euros in writedowns and provisions made by NCG Banco, 5.187 million are the improvement of the credit portfolio, 1,430 million to cover the deterioration of the properties sold and losses generated by its transfer to the Sareb; 1,405 million for remediation of other financial assets and 202 million for other provisions and supplies.
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