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Objective: present 'clean' balance sheets Spanish banks are already in the maximum defensive strategy to be able to present “clean” balance sheets. Among other measures, lightening the balance sheet of the Spanish public debt and proposing a very aggressive strategy to sell the real estate stock. The bank is liquidating all possible risk assets in order to be able to recapitalize and show a drop in presentable profits in 2011, in a range between 15 and 20%, on average, according to sector sources consulted by El Confidencial Digital . Santander and BBVA could improve this average thanks to their strong foreign business (more than 30%), if the last quarter is good in the emerging countries where they are established. Commissions and public credit Entities currently live basically off commissions and credit to the public sector : more than 60% of the financial margin (typical main source of the banking business) already comes from commissions.

The most common commissions (maintenance of checking accounts, issuance and maintenance of credit and debit cards, ATM commissions) have grown in less than two years between 9 and 16% on average, according to ADICAE This consumer association points out the difficulty of maintaining real growth , since entities UK Mobile Number List change commissions when and how they want, since they are free and it is enough for them to inform the Bank of Spain and make them public. Real estate 'packages' To get rid of the ballast of the brick , the banks are 'packaging' the properties they have to facilitate their sale to foreign funds, with very high discounts. Furthermore, risk taking has been reduced to a minimum. All this is explained because credit, the main source of business, grows little and does so mainly to the public sector and not to the private sector. According to data from the Bank of Spain, credit to the public sector has increased by 35% and just over 5% to the private sector.



The severity of the crisis and the continuous capital requirements of the European banking authority (EBA), now 9% (15 billion more) of basic capital for the five largest, make closing the year very difficult. More delinquency If we add to that the growth in bad debts (the year may end above 10% on average in the entire financial sector) and the low GDP growth forecasts for 2012, it is understandable that financial institutions are in the trenches. The only good news is that a change in government generates expectations, gives the economy a break and calms the markets, at least for a few months. The other good news for banks is that the European Union is going to have to “assume euro governance rules in 2012, no matter what, and that is what the markets also expect. If Spain makes commitments to the countries in the hard core of the euro, and the new Government gives confidence, “we will have a credibility premium and our burdens in the markets and the suffocation of our risk premium in sovereign debt may begin to ease,” according to these media.
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