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Re: Bankia

Bericht door bengali »

* Net interest income improves at both banks

* Higher fees to clients, lower costs helped

* But credit still falling, may not stabilise until 2015 (Adds details on lending, share price, Caixabank CEO comments)

By Julien Toyer

MADRID, Oct 24 (Reuters) - Spain's Caixabank and Bankia posted a rise in nine-month profits, as their core banking performance was boosted by lower costs and higher charges to clients.

But, in a sign of Spain's slow-moving recovery, the banks also reported a drop in lending on Friday, as the country's banks cut back on new mortgages given tepid demand from indebted families, even as they seek to increase loans to businesses.

Caixabank boss Gonzalo Gortazar said weaker lending could continue for several months before stabilising next year.

Spanish banks are recovering this year from a deep financial crisis. But they are still lumbered with higher levels of soured loans than before the 2008 property crash, when they were forced to shed assets and shrink their balance sheets.

Caixabank and Bankia, Spain's third- and fourth-biggest banks, saw their net interest income, a measure of earnings on loans minus funding costs, increase both in the nine months to September 30 and in the third quarter of the year.

The performance suggested signs of economic improvements beginning to show through for the country's lenders.

Caixabank's net interest income was up 4.7 percent in the nine months, at 3.07 billion euros, while Bankia's was up 24.7 percent at 2.16 billion euros, both in line with forecasts.

Net profit at Caixabank, held back by lower trading gains, ticked 1.6 percent higher to 466 million euros -- just missing a 474 million euros forecast in a Reuters poll analysts.

But the bottom line almost doubled at Bankia, helped by one-off gains as it sells down shares in Spanish companies, as well as non-core credit portfolios. Net profit for the bank came in at 698 million euros, beating the 673 million euros forecast.

Shares in Bankia were up 1.3 percent at 1.45 euros at around 1000 GMT, topping Spain's blue-chip index Ibex and recovering from an almost 4.7 percent drop over the last month.

Good news for Spain's government, which is considering placing a new stake in the lender by the end of the year.

Caixabank was the top loser in the index with shares falling 2.5 percent at 4.6 euros. Analysts blamed a correction after a gain of almost 13 percent in the last three months.

STRESS TESTS

Solid underlying numbers mirrored a similar performance at other Spanish peers, including Bankinter which reported profit up by almost a third. It also bodes well for the rest of the sector, with leaders Santander and BBVA due to report in the next few days.

Spain's banks, including Bankia and Caixabank, are expected to have done well in the European Central Bank Stress tests due to be made public this weekend.

Caixabank said its core capital under Basel III 'fully-loaded' criteria was 12.7 percent at the end of September, up from 12.4 percent three months earlier. The improvement was even stronger at Bankia, where this ratio reached 10.51 percent at the end of September from 9.95 percent at end-June.

Both lenders said on Friday they had benefited from higher fees to clients, lower funding costs and also booked lower provisions as bad loans came down.

Yet overall credit was still falling at the two banks, albeit dropping more slowly.

Barcelona-based Caixabank said overall lending went down 6.2 percent in the nine months. Its bad loan ratio was 10.48 percent at the end of September, below a sector's average of more than 13 percent and down from 10.78 percent at the end of June.

Bankia also saw a 5.4 percent drop in lending so far this year while its bad loan ratio was 13.6 percent, down from 14.0 percent but still at a high level.

That ratio had fallen to 13.1 percent after the sale of credit portfolios worth 880 million euros in October, Chief Financial Officer Leopoldo Alvear said.

The bank, which is heavily weighted towards mortgages, said it saw room for improvement in higher-margin business lending. (1 US dollar = 0.7901 euro) (Additional reporting by Jesus Aguado and Carlos Ruano; Editing by Clara Ferreira Marques)
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Vijserkedenduvel
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Re: Bankia

Bericht door Vijserkedenduvel »

Bijgetankt op 1,18 en 1,13 nu mogen ze lekker terug up
En gezien ze maar 230 ipv 1000 kilo moeten ophoesten straks al dividend
Ze mogen nog 14 jaar blijven staan ze gaan naar de kindjes denk ik
zegermans liked last!
in port: Kbca / Eurn / Nyr /XRP

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Re: Bankia

Bericht door bengali »

DJ Spain´s Bankia Posts $300M Profit Gain in 4th Quarter -- Update
By Jeannette Neumann
Bankia SA said Saturday that net profit rose in the fourth quarter of 2014 rose from a year earlier even as Spain´s largest bailed-out lender set aside funds to compensate investors who suffered stiff losses after buying shares in its initial public offering.

Bankia, which is still majority-owned by the state, reported net profit in the fourth quarter of 2014 of EUR268 million ($300.08 million). That was in line with analysts´ expectations and up from EUR150 million a year earlier.

The lender said net interest income in the fourth quarter was EUR765 million, up from EUR690 million a year earlier. That figure slightly beat analysts´ expectations.

Net interest income, a key driver of revenue for retail banks, is the difference between how much a bank earns on clients´ loans and how much it pays clients for their deposits.

Bankia said Saturday that the bank and parent company BFA had set aside EUR780 million in funds to address estimated litigation costs. Bankia said it would cover EUR312 million of that total impairment charge.

Bankia had been set to report its 2014 annual earnings on Feb. 2 but postponed the release of the figures amid uncertainty over how much the lender and BFA would have to compensate buyers of shares in Bankia´s 2011 IPO.

Bankia was nationalized in 2012, forcing steep losses among those investors. Some of those investors have said Bankia painted an overly rosy picture of its financial health to ensure a successful IPO and Spain´s national court has been investigating allegations of fraud at the bank in a high-profile court case.

Spain borrowed EUR22.4 billion from the European Union in 2012 to shore up Bankia and other troubled regional lenders, known as cajas in Spanish, as property developers defaulted on tens of thousands of loans after a real estate boom went bust. Concerns about Spain´s ability to save Bankia and other lenders led to hand-wringing about whether the country itself would be brought down and forced to leave the eurozone.

On Saturday, Bankia also said it would pay its first cash dividend of EUR202 million, or EUR0.0175 a share.

Write to Jeannette Neumann at jeannette.neumann@wsj.com

Access Investor Kit for Bankia SA

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(END) Dow Jones Newswires

February 28, 2015 04:23 ET (09:23 GMT)

Copyright (c) 2015 Dow Jones & Company, Inc.
Bankia, ASML, Deceuninck, SBUX, Alcoa, Schlumberger

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Re: Bankia

Bericht door zegermans »

Vijserkedenduvel schreef:Bijgetankt op 1,18 en 1,13 nu mogen ze lekker terug up
En gezien ze maar 230 ipv 1000 kilo moeten ophoesten straks al dividend
Ze mogen nog 14 jaar blijven staan ze gaan naar de kindjes denk ik
Had hetzelfde moeten doen, maar niet gedaan. Schade schade chocolade!

Vijserkedenduvel
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Re: Bankia

Bericht door Vijserkedenduvel »

amaai netjes eens gechekt begint er al wat op te trekken
...
maar zoals ik al aangaf dees gaan naar de (3) kindjes
denk ik
alhoewel ik twijfel om die laatste 10.000 te cashen
bieste :D
in port: Kbca / Eurn / Nyr /XRP

bengali
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Re: Bankia

Bericht door bengali »

Hopla samen met het algemeen sentiment naar beneden ... net onder de Euro ...

Heeft iemand nieuws ... want ik vind er niet veel ...
Bankia, ASML, Deceuninck, SBUX, Alcoa, Schlumberger

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Banner
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Re: Bankia

Bericht door Banner »

Fizmo schreef:
08 mar 2014 14:36
Heb er 8700. Meeste een goeie maand geleden aangekocht in verschillende stappen. Had nog gedacht om tot 10 000 stuks te gaan maar heb het toch maar gelaten. Er zijn nog andere interessante aandelen ook ;)

Volgende datum om naar uit te kijken is 21 april. Bekendmaking van Q1 resultaten.
Goodluck.
Niets doen niets goeste!

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Re: Bankia

Bericht door Fizmo »

Banner schreef:
19 aug 2020 22:33
Fizmo schreef:
08 mar 2014 14:36
Heb er 8700. Meeste een goeie maand geleden aangekocht in verschillende stappen. Had nog gedacht om tot 10 000 stuks te gaan maar heb het toch maar gelaten. Er zijn nog andere interessante aandelen ook ;)

Volgende datum om naar uit te kijken is 21 april. Bekendmaking van Q1 resultaten.
Goodluck.
:lol:

Ja want ik heb die echt wel nog in portefeuille hoor :lol:

Een bericht uit 2014 :lol:

bengali
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Re: Bankia

Bericht door bengali »

Tja, ook nog niet echt de verhoopte opbrengst op dit aandeel, onlangs nog bijgekocht aan 0,9 ...
Bankia, ASML, Deceuninck, SBUX, Alcoa, Schlumberger

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