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IRS10 a 3,78% e Euribor 1,33%.

Non mi sembrano troppo peregrine le quotazioni delle P legate all'IRS10. Sicuramente verrò smentito:D, ma se il tasso dovesse rimanere a questi livelli o superiore, mi sa che 60-65 potrebbe essere il nuovo bottom.

Se è per questo, a mio parere i tassi continueranno a salire e con essi anche le Irs: le parole di Draghi di oggi vanno in questa direzione.
C'è un però, se attualmente il tasso medio per un mutuo a tasso fisso
è al 5,27%, con l'Irs al 5-5,5% che tasso praticheranno ai mutui? Col mercato immobiliare che già adesso è in crisi? Le case a chi le venderanno?
considerando che nei bilanci di banche e assicurazioni pesano come macigni?
 
UPDATE 1-Bank of Ireland's FY net loss shrinks

Thu Apr 14, 2011 2:32am EDT

* Net loss shrinks on buyback gains, lower impairments
* Update on capital raising plans in coming weeks
* Deposits have risen since year end
* Repeats impairment charge on non-NAMA loans peaked in 2009

(Adds CEO comments, more detail)
By Carmel Crimmins

DUBLIN, April 14 (Reuters) - Bank of Ireland's (BKIR.I) net loss shrank by two thirds in 2010, defying market expectations for another blow-out shortfall and burnishing its credentials as the country's least troublesome lender.
Bank of Ireland's loan books had the strongest performance under recent stress tests that put a 70 billion euro price tag on the country's banking crisis, and the lender is confident it can rebound as one of two pillar banks in a slowly recovering economy.
"It's a clean story to understand," Chief Executive Richie Boucher told reporters. "The loan losses, we are comfortable, are coming down. We have had the stress test of all time."
The country's largest bank, with a pedigree that stretches back to 1783, Bank of Ireland is facing the possibility of majority state control after the central bank said it needed 5.2 billion euros in extra capital to bulletproof itself from future shocks.
The company, in which the government already holds a 36 percent stake, has said it will update the market in coming weeks about its capital-raising plans, and some of its subordinated bonds have risen on speculation it will offer a debt for equity swap.
Boucher declined to comment on the bank's capital strategy.
The rest of the domestic banking sector has been effectively nationalised, with Allied Irish Banks (ALBK.I), the other pillar bank and Bank of Ireland's main rival, unveiling a 10.4 billion euros loss earlier this week.
Bank of Ireland's net loss of 609 million euros vastly undershot an average 1.9 billion euros shortfall forecast from 11 analysts polled by Reuters I/B/E/S.
The shortfall was capped by a gain of 1.4 billion euros from swapping debt at a discount during the year and a slide in impairment charges by over a third to 1.887 billion euros.
Bank of Ireland reiterated that it expected losses had peaked on loans not destined for a state-run "bad bank".
 
Ultima modifica:
BOI chiude con una perdita di 0,6 bln (che tiene cmq conto dei kgain delle varie tender offers) e nella PR si legge:

The Group is working with its advisors on initiatives to seek to address the revised capital requirement through a combination of capital
management initiatives, other capital markets sources and support from existing shareholders in order to minimise the investment
needed from the Irish taxpayers. The Minister for Finance has stated that the Group will be provided with time in order to generate as
much of the capital as possible from private sources. We expect to be in a position to make an announcement on our capital plans in
the coming weeks and I will be writing to you at that time to give you more details on these plans.

Non credo che a questo punto BOI racconti frottole al mercato. Ci devo pensare bene, forse prendo qualche altra carrettata di T1 di BOI...:mmmm:
 
Dexia SA (DEXB) and KBC Groep NV (KBC) are together healthier than most European banks, De Tijd reported, citing a comparison of 16 groups of banks by the International Monetary Fund.
The group including KBC and Dexia scored “well” on three of five sets of criteria ranking the vulnerability of banks as strong, middle or weak, according to the newspaper. Loan losses are low, interest rates on bank bonds are low, and the average core capital is high, according to the newspaper.
For losses on government bonds, Dexia and KBC were in the middle, and the weakest point for the Belgian banks was the low income in relation to the balance sheet, the newspaper said.
 
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