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mix crediticio

English translation: lending mix


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GLOSSARY ENTRY (DERIVED FROM QUESTION BELOW)
Spanish term or phrase:mix crediticio
English translation:lending mix
Entered by: John Rynne
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09:16 Oct 4, 2007
Spanish to English translations [PRO]
Bus/Financial - Finance (general) / news article
Spanish term or phrase: mix crediticio
This is from a news article on the possible problems of savings banks if there is a sudden correction in the Spanish real estate market.
The sentence that I am having problems with is:
"cinco cajas de ahorro de ámbito regional o local, a las que no identifica, pueden experimentar una rebaja en sus «ratings» por el peso relativo del crédito a promotores en su «mix» crediticio." So I am not sure how to translate the part
"por el peso relativo del crédito a promotores en su «mix» crediticio"
Can anybody help me please?
So far I have got "five regional or local savings banks, the names of which have not been disclosed, may be at risk of ratings downgrades due to the relative weight of credit incurred....???"
Sian Herrera-Delgado
Local time: 19:42
lending mix
Explanation:
the banks are over-exposed to real estate developers as a percentage of their lending mix
Selected response from:

John Rynne
Local time: 20:42
Grading comment
Great thanks very much, that is very helpul!
4 KudoZ points were awarded for this answer



Summary of answers provided
5 +1lending mix
John Rynne
3... loans to "promotores" in its loan portfolio
Latin_Hellas
3total of credit portfolio
cristina estanislau


  

Answers


13 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5
total of credit portfolio


Explanation:
sug

cristina estanislau
Local time: 19:42
Specializes in field
Native speaker of: Native in PortuguesePortuguese
PRO pts in category: 24
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20 mins   confidence: Answerer confidence 5/5 peer agreement (net): +1
lending mix


Explanation:
the banks are over-exposed to real estate developers as a percentage of their lending mix

John Rynne
Local time: 20:42
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 442
Grading comment
Great thanks very much, that is very helpul!

Peer comments on this answer (and responses from the answerer)
agree  MikeGarcia
1 hr
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26 mins   confidence: Answerer confidence 3/5Answerer confidence 3/5
... loans to "promotores" in its loan portfolio


Explanation:
My question here is what is the reference to "promotores", perhaps real estate agents? Certainly in the US, many real estate agents who speculated in the market as direct mortgage holders have now been caught on the downside and many mortgage companies and local banks have had to downsize, some have gone out of business.

You could substitute "credit mix" for "loan portfolio", but the expression "credit mix" is not much used in English; "credit portfolio" is also good, but not as common as "loan portfolio".

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Note added at 30 mins (2007-10-04 09:46:55 GMT)
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following John's lead ... loans to real estate developers in their loan portfolios

Latin_Hellas
United States
Local time: 20:42
Specializes in field
Native speaker of: Native in EnglishEnglish
PRO pts in category: 4
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Changes made by editors
Oct 4, 2007 - Changes made by John Rynne:
Created KOG entryKudoZ term => KOG term


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