{"id":9182,"date":"2011-02-03T08:00:12","date_gmt":"2011-02-03T07:00:12","guid":{"rendered":"https:\/\/www.ccooservicios.es\/ibercaja\/circulares-sindicales\/caja3-y-las-fusiones-catalanas-las-mas-expuestas-al-riesgo-promotor\/"},"modified":"2026-04-16T00:50:47","modified_gmt":"2026-04-15T22:50:47","slug":"caja3-y-las-fusiones-catalanas-las-mas-expuestas-al-riesgo-promotor","status":"publish","type":"post","link":"https:\/\/www.ccooservicios.es\/ibercaja\/noticias\/caja3-y-las-fusiones-catalanas-las-mas-expuestas-al-riesgo-promotor\/","title":{"rendered":"CAJA3 Y LAS FUSIONES CATALANAS, LAS M\u00c1S EXPUESTAS AL RIESGO PROMOTOR."},"content":{"rendered":"<p align=\"justify\" style=\"LINE-HEIGHT: normal; MARGIN: 0cm -0.45pt 10pt 0cm; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto; mso-outline-level: 6\" class=\"MsoNormal\"><span 12pt;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" roman?;=\"\" new=\"\" ?times=\"\" font-size:=\"\" color:=\"\" arial?,?sans-serif?;=\"\" style=\"FONT-FAMILY: \">Los activos problem\u00e1ticos ligados al sector inmobiliario y constructor suponen m\u00e1s de un 10% del balance de Caja3 y Unnim. En Catalunya Caixa y Novacaixa pesan un 9%.<\/span><\/p>\n<p><span style=\"FONT-SIZE: small\">&nbsp; <\/p>\n<p style=\"TEXT-ALIGN: justify; LINE-HEIGHT: normal; MARGIN: 0cm 0cm 10pt; mso-margin-top-alt: auto; mso-margin-bottom-alt: auto\" class=\"MsoNormal\"><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" style=\"FONT-FAMILY: \">El mapa del reparto del riesgo inmobiliario en la banca espa\u00f1ola comienza a clarificarse.&nbsp; La exposici\u00f3n de las cajas de ahorros a los sectores promotor y constructor alcanza 170.000 millones, seg\u00fan las cifras que acaban de hacer p\u00fablicas las entidades. Si el total del sistema se eleva a 439.000 millones \u2013 \u00faltimo dato del Banco de Espa\u00f1a\u2013, en manos de los bancos estar\u00edan los restantes 269.000 millones.&nbsp; Los activos problem\u00e1ticos de las cajas ligados al negocio inmobiliario se aproximan a 90.000 millones, si se tiene en cuenta el valor bruto de su cartera de inmuebles.&nbsp;&nbsp; Los bancos deber\u00edan tener, por tanto, la otra mitad, es decir, los 90.000 millones que faltan hasta un total de 180.800 millones. <\/p>\n<p align=\"justify\"><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" style=\"FONT-FAMILY: \">Por entidades, Caja Tres (el banco de CAI, Caja C\u00edrculo y&nbsp; Badajoz), las dos fusiones catalanas y Novacaixagalicia&nbsp; son las cajas de ahorros con&nbsp; mayor exposici\u00f3n al riesgo inmobiliario. Los activos problem\u00e1ticos ligados a los sectores promotor y constructor de estas entidades representan en torno al 10% de su balance. <\/p>\n<p align=\"justify\"><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" style=\"FONT-FAMILY: \">Se consideran problem\u00e1ticos tres tipos de activos: los cr\u00e9ditos morosos, los pr\u00e9stamos subest\u00e1ndar (est\u00e1n al corriente de pago, pero presentan debilidades) y los inmuebles adquiridos o embargados a promotoras y particulares.&nbsp; Banco Caja Tres, que no ha&nbsp;solicitado ayudas p\u00fablicas, tiene 2.581 millones en activos problem\u00e1ticos, un 12,72% de su balance (ver gr\u00e1fico). <img loading=\"lazy\" decoding=\"async\" width=\"315\" height=\"304\" align=\"right\" alt=\"\" border=\"0\" style=\"WIDTH: 332px; HEIGHT: 319px\" src=\"https:\/\/www.ccooservicios.es\/ibercaja\/wp-content\/uploads\/sites\/11\/2026\/04\/LastreLadrillo.avif\" \/>El porcentaje se ha visto impulsado por el importe de los cr\u00e9ditos subest\u00e1ndar, los que comienzan a provisio-narse por prudencia. Caja Tres ha empe-zado a dotar 1.632 millones en cr\u00e9ditos que a\u00fan est\u00e1 al corriente de pago. Los morosos son menos de 500 millones. <\/span><\/p>\n<p align=\"justify\"><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" style=\"FONT-FAMILY: \"><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" style=\"FONT-FAMILY: \">Unnim, resultado de la fusi\u00f3n&nbsp; de Caixa Sabadell, Terrassa y Manlleu, es la otra entidad con una ratio que supera el 10%. En las otras tres fusiones tradicionales \u2013CatalunyaCaixa, Novacaixa y Caja Espa\u00f1a Duero\u2013, el porcentaje ronda el 9%. Es el mismo que presenta Banco Base, la uni\u00f3n que lidera Cajastur, condicionada por el negocio inmobiliario de CAM y de la antigua CCM. En sentido opuesto, La Caixa es la caja con menor&nbsp; lastre promotor en <br \/>t\u00e9rminos&nbsp; relativos. La entidad que preside Isidro Fain\u00e9 es, junto a Unicaja e Ibercaja, (las dos grandes cajas que se mantienen solteras y fieles al modelo tradicional del sector), la que presenta menor exposici\u00f3n.&nbsp; La relaci\u00f3n entre activos problem\u00e1ticos y totales no supera el 5%.&nbsp; BanCaja Madrid se encuentra en un posici\u00f3n intermedia. Aunque en t\u00e9rminos absolutos es el grupo con mayor volumen de t\u00edtulos problem\u00e1ticos (m\u00e1s de 22.500 millones, considerando el valor neto de provisiones de su cartera inmobiliaria), \u00e9stos suponen un 6,8%<br \/>de su balance, que roza los 330.000 millones de euros.&nbsp; Por lo que respecta al nivel de provisiones espec\u00edficas constituidas para cubrir la cartera con m\u00e1s riesgo, Banca C\u00edvica es la mejor preparada.&nbsp; Sus cr\u00e9ditos dudosos est\u00e1n cubiertos al 62%, y los subest\u00e1ndar, al 28%, por encima de la media del sector, que se sit\u00faa en torno al 13%. <span style=\"mso-spacerun: yes\">&nbsp;<\/span>Kutxa y BanCaja Madrid tambi\u00e9n destacan por el nivel de cobertura de los impagados. <\/p>\n<p align=\"justify\"><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" style=\"FONT-FAMILY: \"><strong>Heterogeneidad <\/strong><\/p>\n<p align=\"justify\"><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" style=\"FONT-FAMILY: \">&nbsp;Entre las entidades con mayor exposici\u00f3n al sector inmobiliario, el escenario es heterog\u00e9neo.&nbsp; CajaTres ha constituido provisiones para cubrir&nbsp; casi el 50% de sus activos <span style=\"mso-spacerun: yes\">&nbsp;<\/span>morosos. En Caja Espa\u00f1a y&nbsp; Catalunya Caixa, esta cobertura&nbsp; se aproxima al 40%, aunque sus dotaciones por cr\u00e9ditos&nbsp; subest\u00e1ndar est\u00e1n en el&nbsp;entorno del 20%, una de las&nbsp; cifras m\u00e1s elevadas del sector.&nbsp;&nbsp; Unnim, que ya ha iniciado los&nbsp; tr\u00e1mites para su pr\u00f3xima conversi\u00f3n en banco, va m\u00e1s rezagada en el saneamiento de la cartera, con unos niveles de provisiones por debajo de la media del sistema.&nbsp;&nbsp; Las dotaciones de la cartera&nbsp; de inmuebles se sit\u00faan en torno al 30%, si se considera su valor neto, la referencia ofrecida por la mayor parte de las entidades. <\/span><\/p>\n<p><\/span><\/span><\/span><\/span><\/span><\/span><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" style=\"FONT-FAMILY: \"><\/p>\n<p><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" maroon;=\"\" style=\"FONT-FAMILY: \"><span style=\"COLOR: #800000\"><span style=\"FONT-SIZE: small\"><span color:=\"\" arial?,?sans-serif?;=\"\" font-size:=\"\" 12pt;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" es?=\"\" maroon;=\"\" style=\"FONT-FAMILY: \"><strong><span style=\"COLOR: #800000\">La participaci\u00f3n inmobiliaria, clave en el test de estr\u00e9s<\/span> <\/strong><\/span><\/span><\/span><\/p>\n<p align=\"justify\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><\/p>\n<p align=\"justify\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><a href=\"https:\/\/www.ccooservicios.es\/ibercaja\/wp-content\/uploads\/sites\/11\/2026\/04\/RiesgoInmobiliario.pdf\" shape=\"rect\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\">Para ver el riesgo inmobiliario de cada Caja pulsa aqu\u00ed<\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/a><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p align=\"justify\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \"><span style=\"FONT-SIZE: small\">La exposici\u00f3n inmobiliaria va a ser una de las claves de los nuevos test de estr\u00e9s, en los que ya est\u00e1n trabajando los supervisores bancarios europeos, que empezar\u00e1n a recopilar datos a partir de marzo para dar a conocer los resultados del estudio antes del verano. En este sentido, el italiano Andrea Enria, presidente de la nueva Autoridad Bancaria Europea, apunt\u00f3 ayer que la prioridad del nuevo supervisor paneuropeo ser\u00e1 desarrollar unas pruebas de resistencia m\u00e1s \u201cseveras\u201d, que detecten las debilidades del sector, informa Efe. En su audiencia de confirmaci\u00f3n ante la comisi\u00f3n de Asuntos Econ\u00f3micos del Parlamento Europeo, Enria admiti\u00f3 que los test llevados a cabo en 2010\u2013muy criticados por no haber detectado los<span style=\"mso-spacerun: yes\">&nbsp; <\/span>problemas de las entidades irlandesas\u2013 fueron una \u201cdecepci\u00f3n\u201d.<span style=\"mso-spacerun: yes\">&nbsp; <\/span>Seg\u00fan Enria, este a\u00f1o ser\u00e1 necesario \u201cun ejercicio m\u00e1s fuerte y de mayor credibilidad\u201d.<span style=\"mso-spacerun: yes\">&nbsp; <\/span>Para ello, la autoridad de supervisi\u00f3n bancaria har\u00e1 test m\u00e1s coherentes entre los distintos estados miembros y escuchar\u00e1 la visi\u00f3n de los analistas y las agencias de calificaci\u00f3n. Enria confirm\u00f3 que tambi\u00e9n se incluir\u00e1 una nueva prueba de liquidez, cuya metodolog\u00eda a\u00fan debe definirse en colaboraci\u00f3n con el con el BCE y el Consejo Europeo de Riesgo Sist\u00e9mico. <\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n<p align=\"justify\"><span><strong><span style=\"FONT-SIZE: small\"><span style=\"FONT-SIZE: x-small\"><span color:=\"\" arial?,?sans-serif?;=\"\" black;=\"\" mso-fareast-language:=\"\" mso-fareast-font-family:=\"\" ?times=\"\" new=\"\" roman?;=\"\" mso-bidi-font-weight:=\"\" bold?=\"\" es;=\"\" style=\"FONT-FAMILY: \">&nbsp;<\/span><\/span><\/span>Mar\u00eda Mart\u00ednez. Madrid&nbsp;<\/strong><\/span><\/p>\n<p><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Los activos problem\u00e1ticos ligados al sector inmobiliario y constructor suponen m\u00e1s de un 10% del balance de Caja3 y Unnim. En Catalunya Caixa y Novacaixa pesan un 9%. &nbsp; El mapa del reparto del riesgo inmobiliario en la banca espa\u00f1ola comienza a clarificarse.&nbsp; La exposici\u00f3n de las cajas de ahorros a los sectores promotor y [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","editor_notices":[],"footnotes":""},"categories":[293,290,162],"tags":[],"class_list":["post-9182","post","type-post","status-publish","format-standard","hentry","category-fusiones","category-jornada","category-noticias"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>CAJA3 Y LAS FUSIONES CATALANAS, LAS M\u00c1S EXPUESTAS AL RIESGO PROMOTOR. - Ibercaja<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.ccooservicios.es\/ibercaja\/noticias\/caja3-y-las-fusiones-catalanas-las-mas-expuestas-al-riesgo-promotor\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"CAJA3 Y LAS FUSIONES CATALANAS, LAS M\u00c1S EXPUESTAS AL RIESGO PROMOTOR. - Ibercaja\" \/>\n<meta property=\"og:description\" content=\"Los activos problem\u00e1ticos ligados al sector inmobiliario y constructor suponen m\u00e1s de un 10% del balance de Caja3 y Unnim. 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