Obbligazioni perpetue e subordinate Tutto quello che avreste sempre voluto sapere sulle obbligazioni perpetue... - Cap. 1

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Cmq oggi mi sono guardato il Bilancio di Erste Group

Erste Group posted record operating profit of EUR 1,776.4 million in H1 09. This is an improvement of 19.1% on H1 08, which was not yet impacted by the economic downturn. Operating income grew by 7.0% to EUR 3,736.6 million while operating expenses were down by 2.1% to EUR 1,960.2 million compared to H1 08.
• Net interest income and net trading result were the major operating income drivers in H1 09. Despite limited loan growth – customer loans advanced to EUR 128.1 billion in H1 09 from EUR 126.2 billion at year-end 2008. Thanks to stable net interest margins across all geographies, net interest income remained strong at EUR 2,505.3 million (up 8.6% on H1 08), supported by a robust performance of the Retail & SME segment. The excellent net trading result was mainly due to a strong performance of the fixed income and money markets businesses.
• Risk costs rose to EUR 892.1 million (up 132.3% on H1 09) or 141 bps of average customer loans. The NPL ratio (based on total exposure) increased from 2.9% in Q4 08 to 3.6% in H1 09, mainly driven by the CEE retail business, the Haftungsverbund savings banks in Austria and portfolio provisions in the Group Corporate and Investment Banking business.
• Erste Group has not taken advantage of reclassifying assets as a result of the easing of accounting rules. Results from all categories of financial assets were primarily impacted by revaluation requirements in the ABS/CDO portfolio: the negative P&L effect in Q2 09 equalled EUR 11.3 million (pre-tax) after EUR 54.8 million in Q1 09, while the negative impact on shareholders’ equity declined to EUR 43.0 million in Q2 09, compared to EUR 88 million in Q1 09.
• Net profit amounted to EUR 492.1 million in H1 09, down 22.7% on EUR 636.6 million in H1 08. All countries, except for Ukraine, where Erste Group has only a small presence, operated profitably in H1 09.
• The reported tier 1 ratio improved to 8.4% at H1 09 (2008: 7.2%) following the issuance of participation capital (EUR 1.224 billion subscribed by the Republic of Austria and EUR 540 million by private investors). Risk-weighted assets grew by 4.0% to EUR 108 billion in H1 09.
• The loan-to-deposit ratio improved from 115.4% at year-end 2008 to 112.9% at H1 09.


LA Irs 10y + 0,10% quota come la BA anzi meno,se consideriamo al Dpb a 55 Denaro,e La Ing a 54..
 
Topgun1976 ha scritto:
Cmq oggi mi sono guardato il Bilancio di Erste Group

Erste Group posted record operating profit of EUR 1,776.4 million in H1 09. This is an improvement of 19.1% on H1 08, which was not yet impacted by the economic downturn. Operating income grew by 7.0% to EUR 3,736.6 million while operating expenses were down by 2.1% to EUR 1,960.2 million compared to H1 08.
• Net interest income and net trading result were the major operating income drivers in H1 09. Despite limited loan growth – customer loans advanced to EUR 128.1 billion in H1 09 from EUR 126.2 billion at year-end 2008. Thanks to stable net interest margins across all geographies, net interest income remained strong at EUR 2,505.3 million (up 8.6% on H1 08), supported by a robust performance of the Retail & SME segment. The excellent net trading result was mainly due to a strong performance of the fixed income and money markets businesses.
• Risk costs rose to EUR 892.1 million (up 132.3% on H1 09) or 141 bps of average customer loans. The NPL ratio (based on total exposure) increased from 2.9% in Q4 08 to 3.6% in H1 09, mainly driven by the CEE retail business, the Haftungsverbund savings banks in Austria and portfolio provisions in the Group Corporate and Investment Banking business.
• Erste Group has not taken advantage of reclassifying assets as a result of the easing of accounting rules. Results from all categories of financial assets were primarily impacted by revaluation requirements in the ABS/CDO portfolio: the negative P&L effect in Q2 09 equalled EUR 11.3 million (pre-tax) after EUR 54.8 million in Q1 09, while the negative impact on shareholders’ equity declined to EUR 43.0 million in Q2 09, compared to EUR 88 million in Q1 09.
• Net profit amounted to EUR 492.1 million in H1 09, down 22.7% on EUR 636.6 million in H1 08. All countries, except for Ukraine, where Erste Group has only a small presence, operated profitably in H1 09.
• The reported tier 1 ratio improved to 8.4% at H1 09 (2008: 7.2%) following the issuance of participation capital (EUR 1.224 billion subscribed by the Republic of Austria and EUR 540 million by private investors). Risk-weighted assets grew by 4.0% to EUR 108 billion in H1 09.
• The loan-to-deposit ratio improved from 115.4% at year-end 2008 to 112.9% at H1 09.


LA Irs 10y + 0,10% quota come la BA anzi meno,se consideriamo al Dpb a 55 Denaro,e La Ing a 54..
Clicca per allargare...

Avevo provato a prenderla ieri. Era agli stessi prezzi di BA. Purtroppo non ci sono riuscito. Questa mattina me la davano in leggera salita. Adesso non so.
 
stordits ha scritto:
e tra due anni la richiamano

lo sai chi e' il maggior detentore di subordinati emessi da monte paschi??
Risposta: La fondazione.
La fondazione e' gia' adirata per non aver preso i dividendi sulle azioni figuriamoci se skippa la cedola o pospongono il rimborso ..... Il direttore generale salta, e l'attuale direttore generale non ha voglia di saltare, anche perche' avendo lavorato sempre e solo al monte ti puoi ben immaginare chi l'ha messo li' .
Direi quasi che l'hanno messo li' per pagare la cedola sul tier1 e rimborsarlo!!!!!!!!!!
Clicca per allargare...

Se tutto va come da previsioni ti dovremo offrire il pranzo al prossimo incontro del forum obbligazioni IO :bow:
(e non solo a te...)

varoon ha scritto:
Avevo provato a prenderla ieri. Era agli stessi prezzi di BA. Purtroppo non ci sono riuscito. Questa mattina me la davano in leggera salita. Adesso non so.
Clicca per allargare...

Erste è ancora più esposta a est di BA. Non voglio pensare a cosa potrebbe succedere se... :eek:
Tutti i gruppi bancari e assicurativi si guardano bene dal fare previsioni e configurare scenari. Speriamo che l'iniezione di fiducia e, soprattutto, di liquidità riportino pace e prosperità...
 
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