Reuters/Ralph Orlowski
niZAh - Hampir 1 dalam 5 bank-bank
Eropah yang terkemuka telah gagal dalam ujian ketahanan yg dijalankan oleh
Bank Pusat Eropah, yg mendedahkan jurang modal $31.2 billion (€24.6 billion)
dalam 25 bank yg menunjukkan mereka tidak bersedia untuk menghadapi
kemelesetan 3 tahun.
Hasil dari ujian tekanan EU seluruh dilaporkan pada hari Ahad oleh Pihak
Berkuasa Eropah Perbankan (EAB) dan Bank Pusat Eropah (ECB).
Dengan 9 bank gagal ujian, Itali mewakili lebih dari € 10 bilion kekurangan
modal. Kunci kira-kira yang lain yang tidak sampai dengan tembakau adalah 3
bank di Greece,
3 di Cyprus,
2 di Slovenia,
2 di Belgium,
Dan masing-masing 1 di Austria, Jerman, Perancis, Sepanyol, Portugal dan
Ireland.
Daripada jumlah 25 bank-bank
yang gagal dalam ujian ini, 12 telah sejak datang dengan modal tambahan yang
diperlukan untuk lulus. Yang lain 13 mempunyai 2 minggu untuk mengemukakan satu
pelan tindakan tentang bagaimana mereka merancang untuk meningkatkan modal
mereka, yg akan disampaikan kepada ECB untuk kelulusan pada awal November.
Bank-bank yg diluluskan akan mempunyai 9 bulan untuk memperbaiki lubang modal
mereka.
Tujuan utama ujian tekanan
ini adalah untuk mengenal pasti bank2 perlu untuk meningkatkan modal ekuiti
teras daripada 123 peminjam atas. Risiko-risiko utama Berat penilaian yg
pemberi pinjaman, termasuk risiko kecairan, hutang & pembia-yaan, serta
kualiti aset & kemampuan kira2 kunci bank untuk menolak senario tekanan.
25 EU Banks FAIL ‘Stress
test’, Exposing $31bn Shortfall
Nearly one in five leading
European banks have failed the stress test conducted by the European Central
Bank, which revealed a $31.2 billion (€24.6 billion) capital gap in 25 banks
showing they’re not ready to withstand a three-year recession.
The results of the EU-wide stress test were reported on Sunday by the
European Banking Authority (EAB) and the European Central Bank (ECB).
With nine banks failing the
test, Italy represented more than €10 billion of the capital shortfall. Other
balance sheets that weren’t up to snuff were three banks in Greece, three in
Cyprus, two in Slovenia, two in Belgium, and one each in Austria, Germany,
France, Spain, Portugal and Ireland.
Of the total 25 banks that
failed the test, 12 have since come up with the necessary additional capital to
pass. The other 13 have two weeks to submit a blueprint of how they plan to
boost their capital, to be presented to the ECB for approval in early November.
Approved banks will then have nine months to fix their capital holes.
The main goal of the stress
test was to identify which banks need to boost core equity capital out of the
123 top lenders. The assessment weight a lender’s key risks, including
liquidity, leverage and funding, as well as asset quality and the ability of
banks’ balance sheet to resist stress scenarios.
Monte dei Paschi ibu pejabat
bank digambarkan di Siena 16 Ogos 2013 (The Monte dei Paschi bank headquarters
is pictured in Siena August 16, 2013 (Reuters/Stefano Rellandini)
"Penilaian Komprehensif
dibenarkan kita utk membandingkan bank di sempadan & model
perniagaan," kata ECB Ketua Dewan Pengawas Daniele NaMiE dalam satu
kenyataan. "Hasil kajian akan membolehkan kita untuk menarik pandangan dan kesimpulan untuk penyeliaan pada masa akan datang."
10 bank tlh mengambil
langkah2 utk memoles kewangan mereka dpd kedudukan kewangan
mereka pada akhir tahun 2013. Yg paling teruk terjejas merupakan bank Itali
Monte dei Paschi, yang memiliki kekurangan modal sebanyak € 2.1billion.
"Kajian yg belum
pernah terjadi sebelumnya mendalam tentang kedudukan bank-bank terbesar 'akan
meningkatkan keyakinan orang ramai dlm sektor perbankan," kata ECB Naib
Presiden Vitor Constancio, sambil menambah bahawa "ini harus memudahkan
lebih banyak pinjaman di Eropah, yg akan membantu pertumbuhan ekonomi."
Kajian kualiti aset telah
dijalankan adalah Bank Pusat Eropah bersedia utk menjadi penyelia rasmi atas
130 pemberi pinjaman Eropah dalam kesatuan perbankan, akan bermula pada tahun
pada 4 November.
8 bank gagal sama pemeriksaan ujian tekanan pada tahun 2011 dengan defisit
gabungan sebanyak €2.5 billion ($3.2 billion).
“The Comprehensive
Assessment allowed us to compare banks across borders and business models,” ECB
Supervisory Board Chair Daniele Nouy said in a statement. “The findings will
enable us to draw insights and conclusions for supervision going forward."
Ten banks have taken
measures to brush up their finances from their balance sheets at the end of
2013. The worst affected was the Italian bank Monte dei Paschi, which had a
capital shortfall of €2.1billion.
“This unprecedented in-depth
review of the largest banks’ positions will boost public confidence in the
banking sector,” said ECB Vice-President Vitor Constancio, adding that “this
should facilitate more lending in Europe, which will help economic growth.”
The asset quality review was
conducted is the European Central Bank prepares to become the official
supervisor of Europe’s top 130 lenders in a banking union, due to begin in on
November 4.
Eight banks failed a similar stress test examination in 2011 with a
combined deficit of €2.5 billion ($3.2 billion).
READ MORE: http://on.rt.com/5g6o17
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