Dl liquidity, the map of requests for financing: 1 out of 5 in Lombardy

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-> Total requests for financing, covered by a public guarantee, from small and medium-sized Italian companies and VAT numbers could reach up to 2.5 million. By the end of the year, when the terms established by the “liquidity” decree expire, the applications presented in the bank should be in detail between 2 and 2.5 million. But the operation runs the risk of penalizing the South, favoring only the northern areas of Italy considering that almost half (47.6%) of the requests presented so far is limited to just four regions: Lombardy, Piedmont, Veneto and Emilia- Romagna. The phenomenon affects a potential audience of 5 million SMEs and VAT numbers: of these, 1.5 million will be excluded from the guarantee instruments at the start, while another million could remain either due to lack of requirements or, conversely, because provided with adequate financial means. These are the estimates elaborated by Fabi which has crossed the data on the progress of the files received so far by the institutes, relating to loans accompanied by state coverage, with the indications collected on the territory and in the banking agencies. The data analysis carried out by Fabi also reveals that over 20% of loan applications, both those up to € 25,000 and those up to € 800,000, were presented in Lombardy: these are almost 70,000 requests out of the total over 329,000 files, equal to 3.5 billion euros out of a total of 14.9 billion; in Calabria, one of the most troubled southern regions, applications total 8,264, equal to 2.6% of the total for a total of 236 million. “Some banks, for their convenience, are penalizing certain territories and favoring others: the result is that in specific areas of the country, especially in the South, the usury risk is widening for businesses, because those who do not get bank financing ends up most likely in the hands of organized crime. It would be interesting to know the data relating to the timing of disbursements by the individual banking groups »comments the general secretary of Fabi, Lando Maria Sileoni.

According to Fabi, therefore, the total applications for financing up to € 25,000 and up to € 800,000 – or those managed with the Central Guarantee Fund – will range between 2 and 2.5 million. The calculation of Fabi takes into account the total of 5 million VAT and sme numbers, from which, at the outset, a portion of approximately 5-600 thousand subjects (equal to 10%), so-called inactive and which, therefore, will not present never any demand for liquidity. Another half a million VAT numbers are not in a position to access these forms of financing as they are in a state of difficulty or failure even before the Covid-19 emergency or before January 31, 2020. And another 500,000 SMEs have declared receipts of 15,000 euros per year: it follows that, considering the ceiling of 25% of the revenues for loans up to 25,000 euros, this half million companies could obtain credits of a particularly small amount (very few thousand euros), so the whole procedure would be expensive and even inconvenient. Of the remaining 3.5 million subjects, 1 million companies may not have the credentials to submit an application or have sufficient cash on hand and, therefore, do not need additional credit.

THE PHOTOGRAPHY OF THE TERRITORY: IN LOMBARDY A REQUEST FOR FIVE

In total, 329,393 applications for a total of € 14.9 billion have so far been submitted (as of May 21): 295,780 applications for financing up to € 25,000 have been made for a total of € 6.1 billion (€ 20,861 the average amount , while there are 33,613 requests for funding up to € 800,000 (€ 260,301 the average amount). Overall, 69,589 applications were submitted in Lombardy (21.1% of the total), the region with the highest number of requests for total 3.3 billion (48,254 euros the average amount); Emilia-Romagna follows with 33,449 applications (10.2%) for 1.4 billion (44,714 euros the average amount); the third region by number of requests is Lazio with 30,424 files (9.2%) for 1.3 billion (46,005 euros the average amount) .To find the first southern region you need to go up to seventh place in the ranking and meet Campania: requests are 20,829 (6.3%) for 1.1 billion (56,617 euros the average amount); immediately after, always remaining in the South, Puglia is found first – with 18,269 applications (5.5%) for 719 million (39,403 euros the average amount) – and then Sicily, with 16,185 applications (4.9%) for 760 million (46,969 euros the average amount). Twelfth position for Calabria with 8,631 requests equal to 2.6% of the total and 236 million in total (27,369 the average amount). Four regions made the lion’s share: Lombardy (21.1%), Emilia-Romagna (10.2%), Veneto (8.7%) and Piedmont (7.6%) have almost half of the operations (47 , 6%).

As regards loans up to € 25,000, 295,780 applications have been submitted so far for a total of € 6.1 billion and an average amount of € 20,861. Also in this case, the largest number of requests to the bank arrived in Lombardy: 63,792 applications for 1.3 billion (21.203 euros the average amount). In second and third place, Emilia-Romagna and Lazio with 30,377 (10.3%) and 27,249 (9.2%) applications for 577 million and 512 million (20,917 euros and 21,198 euros the average amounts). Campania (18,043 requests equal to 6.1% of the total), Puglia (16,859, 5.7%) and Sicily (13,156, 4.4%) occupy the seventh, eighth and ninth places in the ranking with credit applications for 376 million , 345 million and 271 million. Tenth position for Calabria with 8,264 requests equal to 2.8% of the total and 161 million overall (19,558 the average amount). Even for the “25,000” euros, in the usual four regions there is the largest share of requests: Lombardy (21.6%), Emilia-Romagna (10.3%), Veneto (8.0%) and Piedmont (7, 6%) have almost half of the operations (47.6%).

MORATORIAS AND THE SOUTHERN SUFFERING “IN SILENCE”

Even analyzing the numbers on the moratorium on mortgages and loans, some concerns emerge for the South of the country. The most recent sector data show that the ceiling for applications to join the moratoriums on mortgages and loans rises to 2.3 million – for a value of 240 billion euros. The main alarm on the suspension of loan installments comes from the real estate mortgage sector (43.8%), followed by the category of personal loans (3%) and targeted loans (13%). The remaining 10% of requests concern liquidity mortgages and other contracts (leasing, etc.). The statistics on territorial distribution also confirm the maximum concentration of requests in the area of ​​Central and Northern Italy, with more than 70% of applications a moratorium distributed mainly between the regions of Veneto, Lombardy, Trentino-Alto Adige, Piedmont, followed by Lazio and Emilia Romagna. About a quarter of the suspensions are recorded in the southern regions where potentially a more marked risk of usury could emerge compared to the rest of the nation. “The” silence “of the southern regions of the country betrays the very strong danger that families and businesses in those territories face: to address liquidity needs, also caused by the Covid-19 emergency, we frequently turn to criminal organizations », explains the general secretary of Fabi.

CHANGES TO THE DECREE AND THE CRIMINAL “SHIELD”

During the first phase of application of the rules, certain problems were encountered, both due to the difficulty of applying the rules and to the procedures for guarantee applications and to the bureaucracy within the banks themselves. As regards the responsibilities of the branch managers and of those executives who deliberate small amounts of credit, the amendments to the liquidity decree, approved in recent days by the Finance Commission in the Chamber, “are a probable step forward: this is not a real and its own criminal shield, which would also be necessary, however the introduction of self-certification on company data reinforces the protection of bank employees by shifting responsibility for the declared data to companies, both those relating to financial statements and tax and, again, those relating to Anti-mafia “code”. At the moment, the provisions of decree 23/2020 remain as in force, as published in the Official Journal on April 9, but the proposed corrections, however, should in prospect speed up the procedures for granting this type of financing. The crimes to which the bankers are also exposed are the bankruptcy and the abusive granting of credit “explains Sileoni according to whom” the effort of female workers and bank workers, in recent months, has been commendable: the category has ensured a fundamental contribution , of the highest professional level, in the interest of our whole country ».





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