スペインの巨大な不良債権(貸し倒れ)で破綻し国有化されたBFK-Bankia銀行は2014年1月ー3月には、利益を2013年1月ー3月より17'4%増加して250'000'000ユーロ(2億5000万ユーロ)の収益をえる。2014年の収益は1'100'000'000ユーロ(11億ユーロ)になる予想。
BANCA
El grupo Bankia mejora sus beneficios el 17,4% con 250 millones hasta marzo
La entidad mejora en un 5,6% el resultado bruto de actividad durante el primer trimestre
Bankia y su negocio bancario aportan 186 millones de euros de las ganancias
Baja la tasa de morosidad al 14,3% y aprovecha las ventas para realizar provisiones
El País Madrid 28 ABR 2014 - 09:42 CET
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BANKING
The Bankia group improved their profits 17.4% to 250 million until March
The bank improved 5.6% gross activity during the first quarter
Bankia and its banking business contributing 186 million euros of earnings
Lower the default rate to 14.3% and sales fail to make provisions
The Country Madrid 28 ABR 2014 - 9:42 CET
The BFA- Bankiamejoró group results in the first quarter of 2014 with a profit of 250 million , 17.4% more than in the same period of 2013 . Total, Bankia contributed 186 million euros thanks to the recovery of the traditional business banking , spending cuts and delinquency control , boosting its profits by 38.5 %. Also continued its divestment program and began selling shares held by the state in order to repay the state aid received. Looking ahead , still aiming to make a profit of 1,100 million euros in the year .
On February 28, the BFA matrix, controlled by the public fund for bank restructuring (FROB ) has closed the sale of a 7.5 % equity controlling Bankia . This transaction enabled BFA earn an income of 1,304 million euros, with a net gain of 301 million euros , which is fully applicable to reserves . About when will the next sale , the CEO of the Presidency, José Sevilla , said that the decision will depend on the FROB and the market situation at the time.
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Regarding the evolution of the traditional banking business, net interest income rose by 16 % to 698 million . This , Bankia has four quarters of continuous improvement through increased customers and lower cost of deposits , which has been reduced by 30 % from the first quarter of 2013. If it adds increased by 2.7 % of fee income , the typical business banking provides 928 million , up 12.5% . Nevertheless , gross margin fell by 2.8%, with 930 million , by the cut of the revenue from financial transactions , mostly from the sale and early redemption of Treasury debt .
Given this figure , operating expenses continued to decline to 441 million euros , up 10.7 % from a year earlier. This was a result of the adjustment of office , which ended in November bringing the total of 2,009 branches . The workforce fell by 2 % to 15,081 employees. Thus , the margin before provisions totaled 489 million euros, up 5.6% . Furthermore, if one considers the result of financial operations , the margin before provisions most recurring stood at 468 million euros in the first quarter 2014, a 57.6 % increase. The efficiency ratio , which is the ratio of gross revenues devoted to the costs , down from 51.6 % to 47.4 %.
Source : Bankia. / COUNTRY300 million in provisions
In addition to paying expenses, Bankia endowed provisions in the first quarter by 303 million euros. To do this, he reached for the capital gains on divestments . In this regard, the group performed " over 50 transactions " in the first quarter , as summarized in a statement. The last was that of 16.51 % of the share capital of the oil Deoleo 72.4 million.
Sales have reported revenues of 1,816 million, plus the placement of 7.5% of Bankia have allowed BFA- Bankia raise their capital adequacy ratio (Core Tier I) of 11.81 % to 13.54% . When measured with the new regulation ( disposal in measuring risk assets ) Basel III , the ratio rises from 11% to 12.56% .
As noted by the entity in the first quarter Bankia reduced the volume of non-performing loans ( discounting the effect of the recommendation of the Bank of Spain on refinanced in the fourth quarter of last year ) and also managed to reduce the default rate .
Specifically, the balance of doubtful dropped 842 million from 20.022 million euros at the end of 2013 to 19,180 million. Of this, about 300 million were sales of portfolios of problem loans. The delinquency rate , on his part, was reduced from 14.65% to 14.31% with a coverage of 57.42 %, one point higher than a year ago.
In credit , Bankia granted in the first three months of new funding in the amount of 2,800 million euros , up 26 % over the same period of 2013 .
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