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O efeito da crise económica na Banca - caso Banif
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No ano de 2008, desencadeou-se uma crise nos mercados financeiros a nível mundial, que resultou na perda da confiança dos investidores e na falta de liquidez nos bancos, afetando famílias, empresas e a economia mundial em geral. Portugal foi um dos países que sofreu com esta crise, entrando no contexto do mecanismo europeu de estabilização financeira apenas em 2010. Foi neste contexto, assim como do impacto no setor bancário português, que o Banif – Banco Internacional do Funchal, SA foi um dos bancos que sofreu uma restruturação, analisada ao detalhe neste trabalho projeto. O plano de reestruturação oferecia, por parte do Estado português, capital ao banco - 1,1 mil milhões de Euros - em troca de algumas imposições, uma vez que o montante concedido correspondia a 10 por cento dos seus ativos ponderados pelo risco. Ao banco, cabia apenas cobrir todos o seus custos, garantindo uma rentabilidade adequada aos seus capitais próprios e respeitar os limites propostos nas projeções financeiras incluídas na Decisão de Resgate. Após o reembolso total da ajuda estatal, previa-se o regresso à viabilidade do banco, conseguido através de medidas internas e da identificação das causas das dificuldades e pontos fracos. O presente trabalho projeto tem, como principal objetivo, o estudo das demonstrações financeiras dos últimos dez anos – 2005 a 2015-, com ênfase nos principais rácios financeiros e na determinação dos motivos que levaram à necessidade de recapitalizar o banco, bem como a análise da reestruturação do banco português Banif – Banco Internacional do Funchal, SA, que aconteceu a janeiro de 2013, e que culminou com a resolução no final do ano de 2015. Conclui-se, demonstrando como foram cumpridos, ou não, todos os requisitos e projeções indicados no plano de reestruturação, como também apresentando o ponto de vista dos clientes e acionistas do banco, após a resolução do mesmo.
In 2008, a crisis on the financial market was triggered at a worldwide level that resulted on the loss of trust of the investors and lack of liquidity on the banks that affected families, companies and the world economy. Portugal was one of the countries that suffered with this crisis, joining the European mechanism of financial estabilization in 2010. It was in this context and the impact it had on the banking sector in Portugal that Banif - Banco Internacional do Funchal, SA was one of the banks that suffered a restructured, analyzed in details in this project. The restructuring plan offered, by the Portuguese State, capital to the bank- 1,1 thousand millions of Euros - in exchange of some impositions, since the amount granted corresponded to 10 per cent of the assets weighted by the risk. The bank was only responsible to cover his costs, ensuring a proper rentability to his equity, respect the proposed limits on the financial projections included in the Rescue Decision. After the total refund of the State help, it was predicted the return of viability of the bank, through internal measures and identifying the cause of difficulties and weak points. This project main goal is to study the financial demonstrations of the last ten years - 2005 to 2015 -, with special attention to the main financial ratios and the determination of the reasons that led to the necessity of recapitalization of the bank as well as the analysis of the restructuration of the Portuguese bank Banif - Banco International do Funchal, SA, that took place on January of 2013 and ended up with the resolution in the end of 2015. This project is concluded demonstrating how the requirements and projections indicated on the restructuration plan were fulfilled or not, as well as the point of view of the clients and the shareholders, after the resolution of the bank.
In 2008, a crisis on the financial market was triggered at a worldwide level that resulted on the loss of trust of the investors and lack of liquidity on the banks that affected families, companies and the world economy. Portugal was one of the countries that suffered with this crisis, joining the European mechanism of financial estabilization in 2010. It was in this context and the impact it had on the banking sector in Portugal that Banif - Banco Internacional do Funchal, SA was one of the banks that suffered a restructured, analyzed in details in this project. The restructuring plan offered, by the Portuguese State, capital to the bank- 1,1 thousand millions of Euros - in exchange of some impositions, since the amount granted corresponded to 10 per cent of the assets weighted by the risk. The bank was only responsible to cover his costs, ensuring a proper rentability to his equity, respect the proposed limits on the financial projections included in the Rescue Decision. After the total refund of the State help, it was predicted the return of viability of the bank, through internal measures and identifying the cause of difficulties and weak points. This project main goal is to study the financial demonstrations of the last ten years - 2005 to 2015 -, with special attention to the main financial ratios and the determination of the reasons that led to the necessity of recapitalization of the bank as well as the analysis of the restructuration of the Portuguese bank Banif - Banco International do Funchal, SA, that took place on January of 2013 and ended up with the resolution in the end of 2015. This project is concluded demonstrating how the requirements and projections indicated on the restructuration plan were fulfilled or not, as well as the point of view of the clients and the shareholders, after the resolution of the bank.
Descrição
Trabalho de projeto de mestrado, Matemática Aplicada à Economia e Gestão, Universidade de Lisboa, Faculdade de Ciências, 2017
Palavras-chave
Banca Crise económica Banif Medida de resolução Reestruturação Trabalhos de projeto de mestrado - 2017