quarta-feira, 30 de novembro de 2016

Royal Bank of Scotland, um dos 3 maiores bancos do Reino Unido, e um dos maiores do mundo, falha no "teste de stress" anual feito pelo Banco da Inglaterra

Royal Bank of Scotland, um dos 3 maiores bancos do Reino Unido, e um dos maiores do mundo,  falha no "teste de stress" anual feito pelo Banco da Inglaterra

Vejam abaixo matéria do Jornal Britânico "The Guardian"


RBS fails Bank of England stress test
Taxpayer-backed bank unveils plan to bolster its capital by £2bn after faltering in annual health check of UK banking system

Jill Treanor
Wednesday 30 November 2016 09.01 GMT

Royal Bank of Scotland has emerged as the biggest failure in the Bank of England’s annual health check of the UK banking system.

The bank, which is 73% owned by taxpayers, issued a plan on Wednesday to Threadneedle Street intended to bolster its financial strength by an estimated £2bn.

Two other banks, Barclays and Standard Chartered, also struggled in the so-called stress tests, the toughest yet, which are based on hypothetical scenarios including house prices falling and the global economy contracting by 1.9%. Barclays already has a plan in place to bolster its financial position, while Standard Chartered said it has not needed to take any action.

As the Bank announced the results of its third annual stress tests, it warned of a “challenging period of uncertainty around the domestic and global economic outlook”.

Domestic risks include the uncertainty created by the Brexit vote, the commercial property sector, high level of debts in UK households and the potential vulnerability of the economy to a reduction in foreign investors buying UK debt.

Mark Carney, the Bank governor, said Threadneedle Street was keeping an eye on household debt. Households are “drawing down their savings for the first time since the crisis”, he said. Lending to households increased by 4.1% in the year to September, close to the fastest rate since the 2008 crisis, the Bank said.

Global risks are described as “elevated”, with the Bank also warning that there could be an impact on global trade from Donald Trump’s election as US president. Chinese debt is high and the Bank also highlighted risks in some countries using the euro, including those caused by a referendum in Italy on Sunday.

The Bank also provided its promised update to the health of the residential mortgage market and is keeping in place measures announced in 2014 to restrict lenders’ ability to help customers needing to borrow four and half times their income.

Three other banks, Lloyds Banking Group, HSBC and the UK arm of Santander, as well as Nationwide, were subjected to the test. The Bank said its stress tests were made up of “a very severe, synchronised UK and global economic recession, a congruent financial market shock and separate misconduct cost stress”.

Standard Chartered and RBS had the weakest financial positions in stress tests held last year.

On RBS, the deputy Bank governor, Sam Woods, said: “It’s taking a long time to move this bank forward.”

The Bank found that in aggregate, the entire banking system was strong enough to withstand the test, which is based on a five-year scenario in which £44bn of capital is wiped out in the first two years – five times the losses incurred during the depths of the financial crisis.