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El banco malo (SAREB): muchos consejeros y pocos directivos

23 diciembre 2012 - 12:48 - Autor: lainformacion.com

Como viene siendo habitual en este país, seguimos construyendo la casa por el tejado: las viviendas antes de las infraestructuras, y los consejeros del banco malo, SAREB, antes de constituir el equipo directivo de la entidad.
Las dos últimas incorporaciones al consejo de un banco, que no ha comenzado a operar, son las del exgobernador del Banco de España (1978-1984) José Ramón Álvarez Rendueles, y el exministro, Rodolfo Martín Villa, de quien en metáfora afortunada se llegó a decir que llevaba sin bajarse del coche oficial desde la temprana edad de 18 años, fecha de sus comienzos políticos en el SEU.
Asombra, por tanto, tanta transparencia (intrascendente) en el diseño de la SAREB. Conocemos el salario máximo que percibirán los siete componentes del comité de dirección, un máximo de medio millón de euros. Desconocemos, no obstante, si estos emolumentos irán ligados al cumplimiento de objetivos y, sobre todo, qué perfil profesional deben reunir las personas seleccionadas.
En cuanto a los consejeros elegidos, habrá que averiguar también los criterios que han regido en su búsqueda y cuáles son sus conocimientos y grado de idoneidad para el puesto. Falta por explicitar cómo y por qué conceptos – dietas de asistencia, dirección de comisiones u otros- serán remunerados y si esta cuantía rondará o superará los 250.000 euros de media, que, como recientemente, se ha publicado, perciben los consejeros de empresas cotizadas.
Para algunos expertos consultados, lo más sencillo y económico hubiera sido prescindir de este consejo de notables y poner en marcha un miniconsejo en el que participasen los representantes de los bancos que forman parte del capital. Estos directivos no percibirían remuneración alguna de la SAREB, aunque, en caso de éxito  su casa-madre siempre podría agradecerles los servicios prestados.
Otros asuntos en los que se necesitaría una mayor transparencia tendrían que ver con la selección de los profesionales que trabajen en el banco malo. La consultora de recursos humanos encargada de la selección de personal, Spencer Stuart, y a la que le están lloviendo literalmente muchísimos curriculums, percibirá del FROB un total de 2 millones de euros por la prestación de sus servicios.
Sin embargo, me consta que han enviado su CV, tanto experimentados banqueros, conocedores de la crisis de los noventa, como cualificados exdirectivos de empresas inmobiliarias, y a los que ni tan siquiera se les ha dado acuse de recibo de su solicitud.
El panorama es, por tanto, bastante complicado. Las operaciones minoristas están completamente sujetas a la concesión de créditos que quieran otorgar las entidades financieras. Y de las grandes operaciones mejor ni hablar. Fuentes del sector inmobiliario confirman lo ya evidente: durante 2012 apenas se han cruzado transacciones de relevancia. La venta de Torre Picasso a la sociedad inmobiliaria de Amancio Ortega, Pontegadea, por un importe de 400 millones de euros (además de la venta de dos inmuebles en Barcelona al dueño de Azkar) ha sido la más importante. Y la segunda operación, muy reciente, y ahora consolidada, es la adquisición por parte de Villar Mir del complejo Canalejas, perteneciente al Banco de Santander, por un importe de 200 millones de euros.
Podemos decir, así, que desde enero del año 2008, la mayor venta inmobiliaria en España ha representado cuatrocientos millones de euros cuando solamente la venta de la Ciudad Financiera del Santander supuso 1.800 millones. Una lectura nada enrevesada de este parón en las ventas –como afirman algunos expertos inmobiliarios, cuyos intereses se encuentran ahora fuera de España- es que los compradores extranjeros esperan a que se produzcan aún mayores y suculentos descuentos, dado que las necesidades de liquidez de los tenedores de estos activos serán cada vez más acuciantes.
La SAREB, sin embargo, piensa por el momento todo lo contrario: no habrá grandes rebajas en el precio de los activos tóxicos que forman parte de su cartera. Mientras tanto, el tiempo apremia y son escasos los meses que faltan para poner en marcha una entidad tan compleja como un banco. De ahí la urgencia para completar su cúpula directiva y conocer los criterios que regirán la selección de su personal. La situación –como podrán comprender- es realmente preocupante.
José Vicente García Santamaría

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