La presión regulatoria que ahora impulsa un nuevo proceso de concentraciones en España y en otros países europeos, lleva ya meses notándose en el intenso trabajo de los bancos por desprenderse de los activos tóxicos heredados de la crisis inmobiliaria.
El propio gobernador del Banco de España, Pablo Hernández de Cos, de hecho, insistió ayer en un acto en Barcelona en que acelerar la reducción de esta cartera era uno de los grandes retos a los que se exponía el sector; unas declaraciones que se producían justo después de que Banco Sabadell cerrara la operación de venta de su servicer Solvia -sigue buscando un comprador para los suelos que guarda en Solvia Desarrollos Inmobiliarios- y de que Bankia confirmara que negocia desprenderse de «una cartera de activos inmobiliarios adjudicados y cartera de créditos de dudoso cobro».
Esta es la mayor cartera que ha puesto en el mercado la entidad que preside José Ignacio Goirigolzarri, ya que el valor de los activos ronda los 3.000 millones de euros. Según fuentes del sector la operación se encuentra en una fase muy avanzada por lo que podría cerrarse antes de que acabe el año, poniendo la guinda a un ejercicio en el que la banca ha soltado cantidades ingentes de ladrillo.
Concretamente, en los últimos 18 meses las entidades se han desprendido de más de 74.000 millones de euros en este tipo de activo, en una carrera contrarreloj para contentar a los reguladores y dejar de ser el lastre para que la Unión Europea progrese en la integración bancaria.
Los países del norte de Europa son reticentes a crear un fondo de garantía de depósitos europeo, una estructura clave para dar pasos adelante en la unión bancaria, por las elevadas posiciones de riesgo de la banca mediterránea. Además de los problemas de las entidades italianas, los países díscolos en nutrir de capital este fondo esgrimían como excusa el elevado riesgo inmobiliario de los bancos españoles.
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