В. Димитров: Фалитът на КТБ може да се окаже най-скъпият вариант

0pk
преди 9 години Пф, държавата ще продаде на безценица активите на свои хора от които ще се получат тлъсти комисионни. Затва никакво национализиране. Да върнат парите на дребните риби, а едрите да се учат да харчат, щото ей на друг ще им ги харчи.И какво стана с мантрата за по-малко държава, що спряха да я пеят? отговор Сигнализирай за неуместен коментар

kane
преди 9 години Национализирнето на КТБ е най-добрия вариант за обществото и държаватаи най-лош за кредитополучателите идържавата ще е продаде с 2на печалба след 2 години през борсата и големи пакети отговор Сигнализирай за неуместен коментар

Rusko
преди 9 години От къде ги имисли пък тези 5 млрд. лв, като не може да е повече от 4.2 млрд. лв. отговор Сигнализирай за неуместен коментар

Gocko
преди 9 години И този Венци Коня ли коментира и дава акъл.Скелети от миналото се появяват от време на време.Много гениално 100% или 50% одържавяване и онези измамни фондове E P I C и Оманците които искат от държавата а фактически нищо не предлагат. То Коня винаги си е бил Кон отговор Сигнализирай за неуместен коментар

drakobg
преди 9 години http://***.marketoracle.co.uk/Article47955.htmlBulgaria: Liquidate ***, NowEconomics / Eastern EuropeOct 29, 2014 - 10:38 AM GMTBy: Steve_H_Hanke EconomicsThe long-awaited audit of the Corporate Commercial Banks (KTBs) assets has been released by the Bulgarian National Bank (BNB). In its wake, a debate has arisen about the future of the ***: Should it be recapitalized? And if *** is recapitalized, should the Bulgarian or the European authorities be responsible? However, it is clear from the results of the audit that, once the obscurity of the technocratic arguments is stripped away, there can be no debate. *** should be liquidated as soon as possible, and whatever proceeds can be obtained in liquidation should be used to reimburse guarantees to depositors paid from the Bulgarian Deposit Insurance Fund (BDIF). *** should be liquidated because it is not, and apparently never has been, a commercial bank. Had *** been operated according to commercial banking principles, it would be virtually impossible for *** to destroy value on the scale witnessed by the independent auditors. As of September 30, 2014, the auditors estimate that 76% of the asset value in KTBs non-financial loan portfolio, which accounts for 80% of KTBs assets, has been lost.Losing 76% on a commercial loan portfolio must be put into perspective. In making loans, commercial banks generally require a senior secured position. This means that in the event of default, the bank may take collateral from the borrower and use the proceeds from selling the collateral to recover the banks principal, prior to any other creditor. From 2003 to 2012, Standard and Poors found that European lenders recovered 78% of their principal, on average, from defaulted loans with these characteristics. Even where defaulted loans were not secured by collateral, European lenders averaged a 48% recovery rate. Compare these recovery rates to KTBs pathetic implied recovery rate of 24%, and it becomes clear that *** was not operating as a real bank.The *** audit report tells a story in which *** blatantly ignored the basic pillars of commercial lending. According to the report, there is little evidence that initial loan underwriting and subsequent credit monitoring ever took place at ***.If KTBs management were just grossly incompetent, it would be bad enough. But it appears they were also criminals. The BNB is forwarding the audit results to the Sofia City Prosecutors Office. The auditors state that *** lied to and misled BNB banking supervisors, and engaged in transactions with no evident commercial purpose. The suspicion of criminal activity is just another reason why *** should be liquidated, now.It is important to stress that there is no macroeconomic or macro-prudential reason to continue operating ***. Because *** never functioned economically as an intermediary for savings, liquidation of the bank will not prevent otherwise-qualified corporate borrowers from obtaining credit. Nor will KTBs disappearance send shock waves through the financial system, as its net position vis- отговор Сигнализирай за неуместен коментар