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PATRIMONIALIZZARE O MENO LE MAGGIORI BANCHE

Leggo sul supplemento Corriere Economia del 15 Marzo che i vertici delle tre maggiori banche italiane Unicredit, Intesa Sanpaolo e Monte dei Paschi di Siena sono dubbiose se rafforzare il proprio assetto patrimoniale oppure distribuire i dividendi agli azionisti. Tra questi ve ne sono di molto importanti.

Mi richiamo ai valori fondamentali di cui ho parlato più volte su questo blog. Sono gli stessi che ho appreso sui banche universitari da illustri docenti di Economia Aziendale.

A quanto pare c’è chi auspica il rafforzamento dell’assetto patrimoniale( Banca d’Italia) e chi invece vorrebbe la distribuzione degli utili (Fondazioni). Se questa tenzone esiste è evidente che i valori fondamentali sono stati messi in disparte.

A me personalmente non verrebbe alcun dubbio. Dopo la batosta che  proprio le tre banche menzionate hanno subito in conseguenza della crisi finanziaria il rafforzamento del patrimonio dovrebbe essere fuori discussione. A maggior ragione se il rafforzamento dell’assetto patrimoniale avvenisse attraverso un aumento di capitale gratuito. Agli azionisti potrebbero vedersi aumentato il valore delle proprie azioni, che potrebbero vendere sul mercato o cinservare..

Se è vero che da quando mondo è mondo si dice che le aziende dovrebbero essere patrimonializzate c’è ancora chi pensa al contrario.

Con la patrimonializzazione si adempirebbe ad una funzione base di ogni azienda. La si capitalizzerebbe, con buona pace degli investitori.

Che ci sia chi ha interesse ad incassare gli utili mi sembra fuori da ogni logica del buone gestore.

Forse che ci siamo dimenticati l’ ingordigia degli anni scorsi? Non posseggo alcuna azione delle tre banche, ma se la prospettiva fosse di vedere aumentare il valore delle mie azioni mi piacerebbe che si perseguisse la strada del rafforzamento del patrimonio. Se invece la prospettiva è solo di far contenti coloro che fanno la voce grossa addio valori fondamentali!

Sono ingenuo o qualcuno vuole far passare +la gente per imbecille?

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