Wednesday, March 27, 2013

Cyprus businesses hurt as banks stay shut

Cypriot students shout slogans near the presidential palace in capital Nicosia, on Tuesday, March 26, 2013. Banks across Cyprus remain firmly padlocked Tuesday after financial authorities extended the country?s bank closure, fearing worried depositors will rush to drain their accounts. The shut-down is hammering businesses, which have been without access to their funds for more than a week.(AP Photo/Petros Giannakouris)

Cypriot students shout slogans near the presidential palace in capital Nicosia, on Tuesday, March 26, 2013. Banks across Cyprus remain firmly padlocked Tuesday after financial authorities extended the country?s bank closure, fearing worried depositors will rush to drain their accounts. The shut-down is hammering businesses, which have been without access to their funds for more than a week.(AP Photo/Petros Giannakouris)

Cypriot students shout slogans as they stand at the entrance of the presidential palace in capital Nicosia, on Tuesday, March 26, 2013. The banner on the left reads in Greek ''people united never divided''. Banks across Cyprus remain firmly padlocked Tuesday after financial authorities extended the country?s bank closure, fearing worried depositors will rush to drain their accounts. The shut-down is hammering businesses, which have been without access to their funds for more than a week.(AP Photo/Petros Giannakouris)

Cypriot students protest against the bailout package outside the Presidential Palace, in capital Nicosia, on Tuesday, March 26, 2013. Banks across Cyprus remain firmly padlocked Tuesday after financial authorities extended the country?s bank closure, fearing worried depositors will rush to drain their accounts. The shut-down is hammering businesses, which have been without access to their funds for more than a week.(AP Photo/Petros Giannakouris)

Cypriot students shout slogans near the presidential palace in capital Nicosia, on Tuesday, March 26, 2013. Banks across Cyprus remain firmly padlocked Tuesday after financial authorities extended the country?s bank closure, fearing worried depositors will rush to drain their accounts. The shut-down is hammering businesses, which have been without access to their funds for more than a week.(AP Photo/Petros Giannakouris)

(AP) ? Cypriot businesses were under increasing strain to keep running on Tuesday after financial authorities stretched the country's bank closure into a second week amid fears that depositors will rush to drain their accounts.

All but two of the country's largest lenders had been due to reopen Tuesday, after being shut since March 16 while politicians figured out how to raise the funds necessary for Cyprus to qualify for an international bailout.

Under the deal for a 10 billion euro ($12.9 billion) rescue clinched in Brussels early Monday, Cyprus agreed to slash its oversized banking sector and inflict hefty losses on large depositors in troubled banks.

After initially saying most financial institutions would reopen Tuesday, the country's central bank made a surprise reversal just before midnight, announcing all banks would remain closed until Thursday.

The announcement followed a broadcast by the country's president, Nicos Anastasiades, who told Cypriots that the central bank would impose some limits on financial transactions, but assured the public that restrictions would not be permanent.

"It is a very temporary measure, which will gradually be relaxed," Anastasiades said.

Under the new Cyprus bailout plan, the bulk of the funds will be raised by forcing losses on accounts of more than 100,000 euros ($129,000) in the country's second- largest lender, Laiki, with the remainder coming from tax increases and privatizations.

The bank will be dissolved immediately into a so-called bad bank containing its uninsured deposits and toxic assets, with the guaranteed deposits being transferred to the nation's biggest lender, Bank of Cyprus.

Deposits at Bank of Cyprus above 100,000 euros will be frozen until it becomes clear whether or to what extent they will also be forced to take losses. Those funds will eventually be converted into bank shares. It's not yet clear how severe the losses will be to Laiki's large bank deposit holders, but analysts have estimated investors might lose up to 40 percent of their money.

A top European Central Bank official, Benoit Coeure, who sits on the bank's six-member executive board, told France's Europe 1 Tuesday that the plan to keep the banks closed was sensible as "there is still a lot of work to do on the ground".

"One bank must be shut, and the two big banks must be merged and to do that, the Cypriot central bank has considered it better to keep the banks closed."

Nonetheless businesses have already been feeling the brunt of the cash crunch, unable to pay salaries and suppliers as Cypriots has slashed spending to keep as much money on them in light of all the uncertainty surrounding the banks.

The banks' closure has been felt in the country's important shipping industry, which contributes about 5 percent or 800 million euros ($1 billion) to the economy.

Cyprus ranks 10th in the world in terms of the number if ocean-going vessels flying its flag, and it in the top five of countries with the largest number of ship management companies.

"This is destructive for us," said an official with Cyprus-based shipping company EDT Offshore, who spoke on condition of anonymity because his company did not authorize him to speak to the media.

"We have to pay our crews' salaries and that's $500,000, while we have to pay as much for our office staff by March 28 and we don't have access to our bank accounts," the official said. "These are people who need to pay their bills, have obligations to meet."

The official explained that authorities in the Greek port of Piraeus have prevented one of three EDT ships to leave until the company pays it port dues. That means the ship can't fulfill its contract with clients, meaning possible losses for the company which has a fleet of 18 vessels.

Other businesses have also been hammered by the bank closures as they find themselves unable to pay suppliers or fulfill orders.

"Cash is definitely a problem," said Nicosia pharmacist Lucy Santourian, counting out euro bills to a supplier who had just brought in new supplies of baby formula and other products. "We normally pay 90 percent of our suppliers on credit, once a month at the end of the month. Now most are asking for cash only."

The retail market is sharply down too, shop owners say, with customers unwilling to spend on anything but the basics while they have limited access to cash.

"The continuation of this uncertainty is pushing the economy deeper into recession, some businesses could possibly lose their clients, but we're hopeful once this situation is sorted out, the market can rebound quickly," said Michalis Pilikos, head of the Cyprus Employers and Industrialists Federation.

Also Tuesday, the chairman of the board of Bank of Cyprus, Andreas Artemis, tendered his resignation, a spokesperson for the bank said.

The board of directors was to decide on whether to accept the resignation later in the day, said the spokesperson, speaking on condition of anonymity because a decision had not yet been made.

____

Juergen Baetz in Brussels contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2013-03-26-Cyprus-Financial%20Crisis/id-2d58a80ff34c48bf8da56fb5907fa6b3

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