falta alguien del departamento de inmovilizados de caja navarra... Que son los que MAS tienen que pedir en este 2010....

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Un banco que no ha perdido el sentido del tumor. ¡enhorabuena!

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¿Para que sirven las libretas? ¿Para coleccionarlas?
Mejor pregunta que tipo de interés ofrecen por tu dinero, que para 0 comisiones, ya existen otros bancos que incluso te devuelven dinero.

Ya hicieron otro video la mar de divertido hace meses...

Qué nivel, Maribel

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Si, que simpaticos.. joder mañana voy a meter dinero en esta caja... como se lo toman de bien todo... no cobran casi comisiones... seguro que no han dejadoa ninguna familia en la calle ... son lo mejor del mundo...

QUE PANDA SUBNORMALES DE MIERDA, QUE LES DEN POR EL CULO A TODOS Y SI PUEDE SER, UN ELEFANTE, PARA QUE LO NOTEN BIEN POR SIMPATICONES Y FANTASTICOS.

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!! Y tan feliz !!

!! Son GENIALES !!

Ya están "recapitalizados", qué rápidos.

JC Flowers, antiguo socio de Goldman Sachs, es un cazador de gangas que casualmente invirtió también en el banco alemán Hypo Real State, otra joya que no ha pasado los tests de stress. Antes lo intentó también con Northern Rock.

Banca Cívica raises capital in JC Flowers deal

By Mark Mulligan in Madrid and Martin Arnold in London

Published: July 23 2010 19:56 | Last updated: July 23 2010 19:56

Spain’s Banca Cívica was among the first to seek fresh capital on Friday, in advance of publication of the stress tests, announcing a €450m ($578m) convertible bond placement with a US private equity firm.

Banca Cívica, formed recently by the merger of three Spanish savings and loans institutions – known as cajas – said it had sold the securities to JC Flowers, the US buy-out group.

Banca Cívica was one of five Spanish institutions to fail the tests.

The deal with JC Flowers was agreed in principle – but some details are yet to be finalised. Its announcement was rushed out to meet the stress test deadline, according to one person familiar with the situation.

The bonds pay interest of 7.5 per cent, making them 25 basis points cheaper than to tap Spain’s own bank restructuring fund, known as the Frob.

The Frob was set up last year by Spain’s central bank with an initial €9bn – which can be leveraged to €99bn – to encourage the consolidation of the country’s overcrowded and weakened financial sector.

After a slow start to the process, most of the country’s original 45 cajas have now been absorbed into much fewer, larger entities.

Banca Cívica, for example, is the result of the merger of Caja Navarra, Caja Burgos and CajaCanarias. The new bank is the first to take advantage of a recently enacted law that allows cajas to sell shares carrying voting rights.

By the terms of the securities, JC Flowers will be able to convert them to voting stock within two years – but only after Banca Cívica secures a stock market listing.

Cajas, which have been extremely vulnerable to the global credit crunch, Spain’s property crash and ensuing domestic recession, were the main casualties of stress tests.

Most of the institutions that failed the test, however, are likely to be recapitalised directly from the Frob.

JC Flowers, one of the world’s foremost private equity investors in the financial services market, has been targeting Europe in recent months. Having made unsuccessful offers for Northern Rock and Friends Provident, JC Flowers is close to breaking into the UK by paying £50m ($77m) for slightly less than half of Kent Reliance building society.


FT.com / Companies / Banks - Banca Cívica raises capital in JC Flowers deal

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