All posts by Ethel Murphy

The financing of Kutxabank to SMEs in 2015 reached 2 billion euros, with growth of more than 30%

Doubtful assets fell, for the first time in recent years, by more than 150 million euros

The loans formalized to companies by Kutxabank during the past financial year 2015 have grown more than 30%, reaching an overall amount of more than 2,000 million euros. In addition, throughout 2015, a total of 822 new SMEs have entered the client portfolio of Kutxabank Empresas, in such a way that the Bank already serves more than 13,000 companies spread throughout the State geography.

In a statement, Kutxabank stressed that this data is “the confirmation of the positive trend change in the economic and business,” and “is not the only”, since, as noted, for the first time since 2011, the Credit investment balance directed to large corporations and small and medium enterprises “has grown, and with strength, 9.8%.”

In the territories outside Euskadi in which Kutxabank Empresas operates, mainly Barcelona, ​​Madrid and Valencia, this heading has doubled, both in the number of projects and in the amounts financed. Also, for the first time in recent years, there has been a decline in doubtful assets, for a volume close to 150 million euros.

If in 2014 the Basque banking group saw an upward curve in the financing of SMEs’ working capital, the data collected as of December 31, 2015 have confirmed “a promising and growing take-off of financing for productive investments in fixed assets (land or pavilions). industrial) as in machinery and other elements (transport, tooling, equipment for information processes or computer applications) “.

This item registered a year-on-year increase of 55% at the end of December, supported, among other measures, by the third edition of the ‘Makina Berria 2015’ plan, agreed with Basque employers.

Outside of the Basque Autonomous Community, the equivalent of this program, baptized as ‘Kutxabank Renove’, has been “decisive” in the growth of 20% in credit investment balances (Barcelona, ​​36%, Valencia, 18%, and Madrid , 9%).

Evolution of billing

<strong>Evolution of billing</strong>

Kutxabank Empresas -division banking that serves medium and small business firms with annual billings of more than 600,000 euros- argues that the “significant” change in the rise of fixed assets of 55%, has been accompanied in the same period by a sustained growth of the amounts for the financing of the national currency, 19%; of the international currency, 25%; as well as operations with guarantees, 52%; or leasing that doubles the number of operations with an increase of 92%.

In the section of financing formalized with SMEs by Kutxabank in 2015, the growth of the commercial discount stood out, with 25.4% and the financing of foreign trade, with 30%.

As the Banking Group recalled, the Basque Chambers of Commerce and Kutxabank launched the first

New companies

Throughout 2015, a total of 822 new SMEs have entered the customer portfolio of Kutxabank Empresas, in such a way that the Bank already serves more than 13,000 companies spread throughout the State geography. In Euskadi, about seven out of ten companies work with Kutxabank.

Kutxabank has maintained in this way the “good rate of recruitment” of small and medium-sized firms, which in 2014 amounted to a thousand new SMEs.TO COMPETE

For the CEO of Kutxabank, Javier García Lurueña, the data harvested in 2015 confirm that the productive and business sector of Euskadi “comes out decisively” from the long tunnel of the global economic crisis. “I think I’m not wrong to say,” he added, “that we are facing a positive trend change in the sector and, in general, in the economic sphere.”

“All the indicators point to a notable improvement in business confidence in the Basque Country and, according to Eustat data, the cumulative increase in industrial production in the Basque Country was 3.5% at the end of December, more than two percentage points above the increase of 2014, “he stressed.

Accidents caused by snow and ice: Who sticks to black ice?

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Again and again it comes in the cold season to crashes and car accidents by snow and ice. Badly cleared roads and paths are one of the main causes. But who is actually liable if the parcel delivery service, the neighbor or a pedestrian slips in the black ice on the way in front of the house? And what are the consequences if, for example, tenants neglect their winter service?

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Unfall bei Glatteis: Wer bei Unfällen haftet
High risk of accidents in winter due to black ice

Do not feel like clearing the sidewalk in the dense snowdrift or when it's freezing cold? This could get expensive. For anyone who carelessly violates his stray and Räumpflicht must adhere in case of accidents by black ice. But that is not always true. Pedestrians who do not adapt to the weather conditions on slippery and unscathed roads sometimes have little success, for example, from the responsible district or the landowner to get compensation. Therefore, accident victims should in any case gather evidence that they could not prevent the fall even with the utmost caution .

The same applies to motorists who leave the road in the case of black ice. As a rule, they must prove that they have weathered in an appropriate manner and that the accident was running at walking speed and developed winter tires. On the other hand, if a driver is traveling with summer tires during freezing rain and slipping on the road, he will remain at the expense of the accident.

Liability in case of black ice: Accident victims are in the burden of proof

In general, in the case of black ice, anyone who does not fulfill their scattering obligation and thereby accepts that another person will be harmed. Roads, driveways and sidewalks must be cleared at fixed times :

  • Monday to Saturday from 7-20 o'clock
  • On Sundays and public holidays from 9 to 20 o'clock

But even if someone slips and falls on a slippery road, he is not automatically entitled to compensation. The injured person must first prove their innocence. For example, if a pedestrian walks along a side path, although it can be clearly seen that it is icy, he is partly to blame for the accident.

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Do tenants or landlords have to stick to black ice in accidents?

Homeowners can transfer their duty to clean up the tenants . These are then liable for accidents on non-scattered paths. The spreading and clearing service must be expressly recorded in the lease. However, the landlord bears the responsibility to check whether the tenant duly fulfills his task . If the homeowner does not take this control seriously, he himself has to be liable, for example, if the postman breaks his leg on the snow-covered driveway to the house.

A tenant who neglects his winter service despite a reminder by the homeowner, is liable for any damage. He is also required to seek representation if he is not prevented at home or for any other reason within the allocated time period.

Doctor, car repair, lawyer: For those responsible must adhere

If a person is brought to account after an accident in black ice because of their negligent Räumpflicht to account, comes to them financially a lot. In addition to the cost of medical care at the doctor or in the hospital is about the refund for the damage to the vehicle of the accident victim. In many cases, the injured party also has a loss of earnings due to the accident, which must also compensate the polluter financially.

If the person responsible has acted negligently or even to a certain extent intentionally , there is generally no chance of benefits from his private liability insurance. In the worst case, he may even face criminal consequences, for example due to negligent assault.

Here you will find tips and more information on private liability insurance.

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Annabell Meyer

editorial staff

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