Confiscarea depozitelor din Cipru: un model si pentru alte tari din UE

La conferinta ministrilor de finante ai Zonei Euro (tarile care au moneda Euro, deci fara noi) menita ajungerii la un acord cu Ciprul, dupa ce s-a ajuns la un acord care prevede taierea depozitelor peste 100.000E cu un procent de pana la 40%, Dijsselbloem (cunoscut ca Diesel BOOM) – ministrul olandez de finante – a declarat ca solutia aleasa va fi un model si pentru alte tari, altfel spus cei care au peste 100.000 Euro in tari cu probleme (Grecia, Spania, Italia, Irlanda, Portugalia, Romania etc) ar fi bine sa zburde spre bancile olandeze si germane sau sa se pregateasca pentru senzatii tari:

A rescue programme agreed for Cyprus on Monday represents a new template for resolving euro zone banking problems and other countries may have to restructure their banking sectors, the head of the region’s finance ministers said.

“What we’ve done last night is what I call pushing back the risks,” Dutch Finance Minister Jeroen Dijsselbloem, who heads the Eurogroup of euro zone finance ministers, told Reuters and the Financial Times hours after the Cyprus deal was struck.

“If there is a risk in a bank, our first question should be ‘Okay, what are you in the bank going to do about that? What can you do to recapitalise yourself?’. If the bank can’t do it, then we’ll talk to the shareholders and the bondholders, we’ll ask them to contribute in recapitalising the bank, and if necessary the uninsured deposit holders,” he said.

After 12 hours of talks with the EU and IMF, Cyprus agreed to shut down its second largest bank, with insured deposits – those below 100,000 euros – moved to the Bank of Cyprus, the country’s largest lender. Uninsured deposits, those accounts with more than 100,000 euros, face losses of 4.2 billion euros.

Uninsured depositors in the Bank of Cyprus will have their accounts frozen while the bank is restructured and recapitalised. Any capital that is needed to strengthen the bank will be drawn from accounts above 100,000 euros.

The agreement is what is known as a “bail-in”, with shareholders and bondholders in banks forced to bear the costs of the restructuring first, followed by uninsured depositors. Under EU rules, deposits up to 100,000 euros are guaranteed. (sursa)

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