La pequeña banca sin ánimo de lucro florece en el país de las fusiones bancarias

 

Las cooperativas de crédito y la banca ética aumentan lentamente la cuota de mercado para acercarse al 9% del negocio con un modelo de reinversión de beneficios y de crédito con criterios sociales frente al formato de las grandes entidades.

 

Cuando el Banco Central Europeo (BCE) prohibió a las entidades financieras repartir dividendos en plena pandemia se estaba dirigiendo, en realidad, a un reducido (aunque potente en términos de negocio) grupo de ellas: tres de cada cuatro con sede en España opera sin ánimo de lucro, un sector que lleva unos años ganando cuota de mercado a una banca comercial cada vez más concentrada tras un proceso de fusiones empapado con dinero público, aunque sigue operando a pequeña escala con alrededor de un 9% del negocio.
La banca sin ánimo de lucro la integran tres tipos de entidades financieras. Dos de ellas, las cooperativas de crédito y las cajas de ahorro, tienen la obligación de reinvertir los beneficios que puedan llegar a obtener al cerrar un ejercicio, mientras que para la tercera, la banca ética, esa misma opción es una de las bases del modelo de negocio

Las cajas de ahorro forman a fecha de hoy, y tras el proceso de concentración y bancarización del sector a partir de 2009, el sector más escueto con solo dos representantes: la de Ontinyent, que cuenta con cerca de medio centenar de sucursales en el País Valencià, y la de Pollença, que opera a través de una veintena de oficinas en Baleares. Se trata en ambos casos de negocios de ámbito local con más de un siglo y medio de antigüedad.

Le sigue en magnitud la banca ética, un bloque formado por Fiare, Triodos y Coop 57 y en el que algunos incluyen a las filiales españolas de Jak y Oikocredit. Mueven, con más criterios de rentabilidad social que meramente financieros, un volumen de negocio de en torno a 2.000 millones de euros en créditos y en depósitos que supone cerca del 2% del mercado nacional.

Pequeños negocios en uno de los países con mayor concentración del sector
El grueso del sector bancario sin ánimo de lucro lo constituyen las cooperativas de crédito, la mayoría de las cuales operan bajo el formato de cajas rurales. Las 42 agrupadas en UNACC (Unión Nacional de Cooperativas de Crédito), a las que el Banco de España añade otras trece, suman activos por valor de 118.000 millones de euros mientras gestionan más de 90.000 en depósitos y casi 67.000 en créditos, lo que supone el 6,7% y el 5,5% del mercado.

Se trata de entidades de carácter local que en algunos casos suponen para sus zonas de influencia uno de los escasos contrapesos frente al constante proceso de exclusión bancaria que el cierre de sucursales derivado de los procesos de fusión está provocando en las zonas rurales del país.
El conjunto de la banca sin ánimo de lucro está registrando en los últimos años ligeros avances, principalmente por la captación de clientes que dejaban de operar con las cajas de ahorro tras sus fusiones y también por el atractivo que sus formatos suponen para sectores como los del emprendimiento y la economía social, aunque su peso dentro del negocio financiero sigue siendo reducido frente al de los 18 grupos integrados en Aebanca, la mitad de ellos de origen extranjero y que suman en total 73 entidades, o los siete que van a quedar en la CECA (Confederación Española de Cajas de Ahorro) tras la absorción de Bankia por Caixababnk y descontando a las cajas de Ontinyent y Pollença.

Los primeros gestionan, según los estados financieros consolidados del tercer trimestre de la patronal del ramo, Aebanca, activos por casi 275.000 millones de euros, depósitos por casi un billón y medio y créditos vivos por una cantidad ligeramente superior, mientras la cartera de los segundos incluye 785.000 millones en activos, 536.000 en depósitos y 495.000 en créditos.

Solo en Holanda, Grecia e Italia el grado de concentración del negocio bancario entre las cinco principales entidades es mayor que en España, donde CaixaBank, Santander, BBVA, Bankia y Bankínter acaparan más de dos tercios del total, según señala el Informe sobre la Evolución del Empleo en el Proceso de Reestructuración del Sector Financiero publicado hace unos días por CCOO.

“No hay un solo euro del que no demos cuenta”

La banca ética opera con tres ejes: ausencia de ánimo de lucro, modelo de toma de decisiones democrático entre los partícipes y transparencia en la actividad financiera, explica Juan Garibi, director de Estrategia y Desarrollo de Fiare, una sucursal de la marca italiana que abrió en Bilbao hace diez años y que ahora tiene oficinas en Madrid y Barcelona.

“Publicamos el 100% de las emisiones de deuda a las que acudimos”

“No hay ni un solo euro del que no demos cuenta. Publicamos el 100% de las emisiones de deuda a las que acudimos, las acciones que integran los fondos y también los proyectos que financiamos. Y eso, al ser una cooperativa de crédito, no solo se ve sino que además se puede votar”, señala.

La operativa de la banca ética tiene características aparentemente contradictorias al conjugar la menor presión por alcanzar rendimientos y beneficios determinados, derivada de la obligación de reinvertir el 100% de las ganancias, con la apuesta en ocasiones por proyectos de mayor riesgo que los de la banca ‘convencional’ por no supeditar el crédito al análisis de los proyectos con criterios exclusivamente de rentabilidad.

“Si los analizáramos solo desde el punto de vista financiero no apoyaríamos muchos de los proyectos que apoyamos”, explica Garibi. “Lo miramos con otros ojos: no se trata solo de dar financiación, sino de analizar qué aporta esa iniciativa a la sociedad”, anota.

“Hemos tenido una ventana de oportunidad”

En este sentido, el estudio previo de los proyectos incluye, además de la faceta propiamente económica, otra en la que se valoran los aspectos sociales, ambientales y laborales del programa que solicita el crédito.

Las consecuencias económicas de la pandemia y de las restricciones adoptadas para afrontarla han generado un desconocido aumento de la demanda de crédito en España que también se ha dejado notar en la banca ética. “Ha aumentado la demanda, en el segundo trimestre para resistir y ahora para reconfigurar y reorientar las actividades”, indica Garibi.

En este sentido, el responsable de Estrategia y Desarrollo de Fiare admite que “hemos tenido una ventana de oportunidad porque la gente se ha acercado” a este tipo de entidades. Entre otros motivos, porque la dilatación de los periodos de pago de las administraciones lleva meses provocando una necesidad de financiación para pagar nóminas y atender a los proveedores.

“Al principio se dio liquidez para resistir con medidas como los avales del ICO, pero eso ya ha pasado -explica Garibi-. Muchos proyectos han cerrado y otros saben que van a tener que vivir en la incertidumbre. Se trata de no aprovecharse de esa gente”. Así, destaca cómo dentro de la economía social y el cuarto sector los programas de capacitación y formación de personas en riesgo de exclusión se encuentran entre los que más están sufriendo al estar condicionados por la presencialidad.

https://www.publico.es/politica/pequena-banca-animo-lucro-florece-pais-fusiones-bancarias.html

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