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This entry was posted on July 14, 2015 at 17:33.
A new record for the bad debts: in May rose to a height of 193.734 billion, from 191.577 in April. The ratio of gross non-performing loans and increased well at 10.1% (it was 8.9% in May last year) and did not touch the threshold of the end of 1996. A stone the figures is the ratio of the monthly ‘ Abi, who points out that, again in May, the ratio of gross non-performing loans and has reached 17% for small businesses (it was 15.1% a year earlier), 17.2% for companies (14, 5% in May last year) and 7.2% for households (6.6% in the same month of 2014).
Net NPLs rising to 83.4 billion
Even net non performing loans show an increase, rising to 83.4 billion from 82.3 billion in April. The relationship with the loans was 4.62%, up from 4.56% in April (it was 4.24% a year earlier). In March, then “the total number of borrowers in distress amounted to 1,199,107 (mainly businesses and households).”
It stops the fall of loans: June -0.11%
Just loans but there are signs of improvement. In June the complex of loans to households and businesses marked a contraction almost anything on an annual basis, with a -0.11% improvement compared to -0.64% in May, continuing the trend in rising from the low point of November 2013 (it was -4.5%). And this June is the best result since April 2012. On the basis of a representative sample of banks (78 institutions that account for about 80% of the market) loans to businesses grew in the first five months of 2015, an increase of ‘ 11.6% on the corresponding period last year. For new loans for the purchase of property, the annual increase was 64.4%, while new operations of consumer credit rose by 11 percent.
Lending rates at a record low
In June 2015, the average rate of total loans amounted to 3.42%, a record low (3.43% the previous month, to 6.18% end of 2007). The average rate on new loans to enterprises stood at 2.10% (the lowest since May 2010) from 2.17% the previous month (5.48% in 2007). The average rate on new loans for house purchase stood at 2.75% (2.65% the previous month, marking the lowest level since October 2010, 5.72% in 2007). Of the total new loans almost two-thirds are at fixed rates. The spread between the average lending rate and average deposit to households and non-financial companies remains especially low levels in Italy, in June 2015 stood at 207 basis points (206 basis points the previous month). Before the financial crisis that spread it exceeded 300 points (329 points% in 2007).
Bond medium to long term: collection -14.8%
In June, the amount of customer loans granted by banks operating in Italy, of 1.833 billion euro , is much higher, of 146.5 billion, the total amount of customer deposits 1.6865 trillion euro. In general, decreases of 14.8%, in June, the collection of medium and long-term bonds, 71 billion less in absolute terms year on year in the Speaker of the State. But simultaneously increase deposits, which always end in June 2015 rise of 47.5 billion euro over the previous year (yoy, + 3.9%, the same value in May). Overall, the trend in (resident customer deposits plus bonds) recorded in June 2015 a decrease of approximately 23.4 billion from a year earlier, with an annual change of -1.4% (-1.7 % the previous month), affected by the negative trend of medium-and long-term.
But from the pre-crisis increases customer deposits
Since 2007, before the start of the crisis to date, customer deposits increased from 1,513 to 1.6865 trillion euro, representing an increase, in absolute terms, of almost 174 billion. In June 2015, the average rate of total bank deposits from customers (the sum of deposits, bonds and repurchase agreements in euro for households and non-financial) in Italy stood at 1.35% (1.37% the month previous 2.89% in 2007). The rate charged on deposits (current accounts, savings deposits and certificates of deposits) amounted to 0.66% (0.67% the previous month), the rate on repurchase agreements 1.08% (1.14% the previous month). The bond yield was 3.05%, 3.06% the previous month.
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