All about banks

Ranking de los bancos españoles

2012-02-11T13:25:00.000-08:00

Es muy gracioso cuando se proclaman rankings de este estilo, sin aludir a ninguna fuente ni nada por el estilo, pero bueno, es un ranking como cualquier otro, así que vamos a publicarlo. La información ha sido obtenida de internet y las opiniones vertidas no tienen porque coincidir con el punto de vista de la autora de este blog:

Esta es la clasificación oficial de los 20 principales bancos de España. La lista se publica anualmente y se basa en los recursos externos (no en número de clientes hipotecarios!).

Incluye Bancos (Bancos) y Cajas de Ahorros (cajas de ahorros, Caixa en catalán). Tradicionalmente, los españoles tienden a preferir para obtener una hipoteca con su caja de ahorros local, aunque la comercialización agresiva de los grandes bancos en los últimos 10 años ha significado que tienen una participación mucho mayor del mercado de hipotecas de lo que solían.

Ranking de bancos y cajas de ahorros en España.

1. Santander Central Hispano

2. Banco Bilbao Vizcaya Argentaria

3. Caixa d'Estalvis i Pensions de Barcelona "la Caixa"

4. Caja de Ahorros de Madrid

5. Banco Popular Español

6. Caja de Ahorros de Valencia, Castellón y Alicante (Bancaja )

7. Banc Sabadell

8. Caixa d'Estalvis de Catalunya,

9. Caja de Ahorros del Mediterráneo

10. Bankinter

11. Caja de Ahorros de Galicia,

12. Caja de Ahorros de Zaragoza, Aragón y La Rioja

13. Unicaja

14. Bilbao Bizkaia Kutxa

15. Caja España de Inversiones

16. Caja de Ahorros de Vigo, Ourense, Pontevedra (Caixanova)

17. Caja de Ahorros de Salamanca y Soria (CajaDuero)

18. Caja de Ahorros de Guipúzcoa San Sebastián

19. Deutsche Bank -España

20. Banco Pastor

Debit cards are more expensive

2011-10-31T04:59:00.000-07:00

The debit cards are more expensive by 3.3%, while credit cards are 3% more expensive, due to price increases by the same banks. This increase is for the client an annual average of 17.3 debit cards, while the credit can now obtain an average of 34.39 euros.

These commissions on credit cards have experienced an increase in annual terms, while there has been no movement in card fees from January to February 2011, as reported by the Bank of Spain.

Meanwhile, we say that the lowest commission applied to debit cards was 4.51 euros and reached higher than 25 euros. In turn, the credit card received a fee of 13.52 euros, while the rate was highest at 47 euros a year.

To this we must add that charges for overdrafts on accounts increased by 6.26% last year, the same increase that was given in January this year, so that the commission came to 12.05 euros.

Finally, add the biannual commissions rose for the month of February 2009 to 4%, making the current account fees were up to 22.36 euros, while savings accounts these commissions remained in the 20.89 euros.

In turn, if we look at claims data, we realize that in the month of February by the opening was in February 2011 of 3.02%, while in the month of February 2010 was 2.98%. In the case of early cancellation fee stayed at 2.86%, the same as last year.

Meanwhile, mortgage arrangement fees rose 2.70% to 2.71% today, while the cancellation of the same occurred in 4.02%, still higher than in February last year, which was of 3.81%. On the other hand, the cost of surrogacy also rose 1.62% to 1.74%.

Spanish banks without government aids

2011-10-29T08:07:00.001-07:00

Mourn now would be as Protest in the ocean. So yesterday described the financial sector in haste, and the resignation with which Spanish banks went on to explain how they intend to meet new capital requirements imposed by Brussels. Santander, BBVA, CaixaBank, Popular Bankia and get comfortably assured that the 21.161 million euros that the European Banking Authority (EBA) requires five Spanish institutions of systemic risk to achieve a minimum capital of the highest quality of 9% by nine months. And they will not affect either the extension of credit or the payment of dividends, and that this does not need to expand capital. Will succeed, say, by generating their own resources.

"We'll be in an absolutely comfortable and loose, with very specific plans to 9.22%," he said yesterday Santander CEO Alfredo Saenz, who advanced the entity chaired by Emilio Botin works to achieve a "core tier 1" of 10%. The supervisor requires Santander 14 970 million, and the bank explained that generate benefits from the entity, which in September fell 12.8% to 5.303 million, the reduction of risk-weighted assets (loans) and divestitures.

Saenz said that the entity has already generated 1,500 million gains from the recent capital increase of Santander Consumer USA and the sale of the insurance business to Zurich in Latin America. On the agenda of the bank are still to be made the IPO subsidiaries in the UK and Argentina, paralyzed by the current difficulties in the markets.

What they made clear the five entities as well as the Prime Minister and the Bank of Spain is that you will not need taxpayer money to bolster their accounts. "There will need to resort to public assistance," Zapatero said early Thursday from Brussels, after learning the plans of the EBA, including assessing the Spanish public debt market price-which is devalued by 2% - and provisioning-forward any losses, credits granted to the State, autonomous regions and municipalities.

The initial proposals of the European Union posed a discount of up to 20% penalty to the Spanish sovereign securities holdings. So the feeling in the industry is that the final decision of the European banking supervisor has been the least bad. That did not stop Spanish bankers yesterday rather hurl veiled criticism of the new requirements. Saenz described as "shocking" the amount requested when the Spanish bank is less exposed to Greece's public debt, which will apply 50% off. The French and German is the most at stake in Hellenic Treasury.

Different criteria

Bankia also criticizes not take into account the general provisions that forced the Bank of Spain in good times to meet future losses.

From BBVA, Chief Financial Officer Manuel Gonzalez Cid, reported yesterday that the EBA criteria to calculate the capital it needs the bank account advance "so fast" the Basel III, the rule will become effective in January 2013 and institutions must take progressively until 2019. Basel II is now used, and the banks have called the new Basel formula "two and a half." Review so that the regulator would have made a strange mixture between a standard and the other also add their own criteria that there are few, if not beneficial for France and Germany, Spain harmful.

BBVA launched yesterday the same message as Santander. They easily get to 9% of capital required for needs 7.087 million. Although no concrete operations, the group moved Cid capital gains will organically 2,660 million in mid-2012, plus 2,100 million in risk-weighted assets. And 7500 amounted to millions who can get by selling part of its public debt.

Banco Popular is the third bank that extra need more capital: 2,362 million. The agency says will generate 508 million internally. The bank also points out that conversion is pending 1,191 million euros in convertible, the deadline for conversion into shares expires in 2012 and 2013

Los bancos tambien hacen regalos

2011-01-20T08:53:00.000-08:00

¿Que los bancos hacen regalos? Yo también dudaría, pero lo cierto es que la mayoria de los bancos hacen regalos para afianzar o fidelizar a sus clientes. Aunque normalmente son estrategias de captación y no son tan buenos cuando se mira con detenimiento y calma la letra pequeña de los contratos que bancos y cajas de ahorros nos proporcionan.
Hemos visto a bancos regalar vajillas, electrodomesticos, videoconsolas e incluso en raras ocasiones regalar dinero por ahorrar, depositar nuestros ahorros, domiciliar la nomina o pensión o abrir algún tipo de plan de pensiones, seguro o jubilación.
Normalmente este tipo de regalos suelen ser una retribución en especies que de otra forma obtendriamos en efectivo o en descuento o supresión de tasas y comisiones por prestación de servicios bancarios. Así que mucho ojo, porque normalmente aceptando el regalo lo que hacemos es renunciar a esas ventajas que de otra forma recibiriamos directamente reflejadas en nuestra cuenta de resultados o ahorro.

Rentabilidad para tus ahorros

2011-01-20T08:47:00.000-08:00

Si lo que buscas es rentabilidad para tus ahorros no deberias perder tu tiempo buscando de banco en banco. Los sistemas populares de ahorro, aunque mas o menos seguros, no ofrecen las mejores formas para rentabilizar y maximizar tus ahorros y tu dinero. Si quieres inverter, aunque con un alto grado de riesgo, siempre que no dispongas de los conocimientos necesarios, deberias probar con otras formular, como bolsa o incluso capital riesgo.
Invertir en empresas de nueva creación es otra formula. Aunque en este caso es mejor dejarse asesorar por expertos y tener en cuenta que normalmente las empresas con mayores posibilidades de crecimiento tambien suelen ser las más arriesgadas.

En adelante hablaremos de otros sistemas de inversión que pueden, a la larga, producir mejores resultados para nuestros ahorros, que tanto cuestan de acumular y tan rápido suelen desaparecer.
Las sucursales de banco no ofrecen mejores perspectivas.
Invertir, ahorrar, arriesgarse, hipotecarse y conseguir creditos para nuestros proyectos de inversión, seran los temas de este blog

All about mundial banks

2011-01-20T08:41:00.000-08:00

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