La banca española vuelve a beneficios en 2013 y gana 7.274 millones de euros
Las menores necesidades de dotaciones y provisiones que se han realizado en 2013 han permitido este resultado
Las menores provisiones disparan un 79% el beneficio de la gran banca
EFE Madrid 22 ABR 2014 - 13:33 CET
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The Spanish banking returns to profit in 2013 and earn 7.274 million euros
Lower requirements for provisions and provisions that have been made in 2013 have allowed this result
Lower provisions soar 79% the benefit of the big banks
Madrid EFE 22 ABR 2014 - 13:33 CET
Banking groups operating in Spain returned to profit in 2013 and won 7.274 million euros compared with a loss of € 2,825 million incurred in the previous year, mainly due to the high provisions that had to give.
This has been explained today at a press conference, outgoing president of the Spanish banking employers (AEB), Miguel Martin, who took the opportunity to present to the media who will be his successor, José María Roldán.
As explained by Martin, lower requirements for provisions and provisions made by the bank in 2013 to cater to the "outstanding sanitation" sector have allowed this result.
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These reduced requirements allowed offset the decline in net interest or income, which in turn reflected the cut of 1.2% of gross domestic product (GDP) Spanish in 2013, and a financial environment prevailing low rates of interest.
The consolidated balance sheet of the banking sector declined 10.2% in 2013 to be 2.2 billion, due to significant leveraging or deleveraging of households and firms, which reduced to 62.448 million (-57.3%) net balances taken from central banks and other entities and reduce 77,285 (-19.3%) the volume of securities issued.
The Spanish bank could reduce its reliance on wholesale funding due to the increase of 1.3% or 14.719 million euros of deposits received from customers, and also by the credit crunch, which fell 7.1% or at 101 106 000.
This credit crunch and rising non-performing assets were the causes of the delinquency of Spanish banks will stand at 8.6% in 2013, more than two points at the end of last year, with coverage of 55%, 14 points lower.
Deleveraging, said Martin, which took place in 2013 was supplemented by an increase in aggregate banking groups amounted to 6.384 million euros and totaled 166,123,000 equity, 4% more than in December 2012.
Thus, the growth rate of the capital ratios of the sector in recent years is maintained, that the end of December stood at 11.7% in terms of "core capital" or highest quality capital, about 120 points more than in 2012.
Regarding margins joint account 2013 results were affected by weak economic activity and low interest rates, has been explained Martin, who added that the basic margin decreased 8.8% to be to 6.292 million, a result of the 11.6% cut suffered by net interest income.
This decrease was offset in part by increased revenues from financial operations increased by 20% and also served to cover the losses from real estate activities.
Operating expenses remained almost flat, which was not enough to grow gross margin, which fell 6.4%, as operating profit before provisions, which fell 12.2%.
2013年に行われている引当金および引当金の下限要件は、この結果を可能にした
下の規定は、79パーセントの大手銀行の利益を急上昇
マドリードEFE22 ABR 2014 - 午後01時33分CET
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