Statistical Valuations

Statistical valuations (approximate market value, AMV) is a process of determining the value of certain property assets using statistical models based on a set of comparable data, which is made of a minimum density of samples to work from and is consistently updated. These stated models must be capable of valuating each active property individually and independently, as such indicating a dispersion of data and a degree of reliability in each estimation made.
This type of valuation is not a substitute for an official valuation. Instead, they provide a fast, affordable way to valuate a large number of assets within a short period of time.
Statistical mass appraisals are principally used for:

CALCULATION OF REGULATORY CAPITAL.

Required as referred to in the Bank of Spain’s circulars 3/2008 and 3/2010, in the cases where the designated regulator contemplates its necessity.

RISK ANALYSIS OF REAL ESTATE PORTFOLIOS AND/OR ASSETS IN PORTFOLIOS

Analysis derived from the displaced prices within the market. Valid for both the compliance of goals established in Basilea II and III and for companies making strategic decisions and internal analysis.

TRANSPARENCY AND COST SAVINGS IN MORTGAGE COVERED BONDS

Bond issues or the sale of portfolios, as well as portfolio ratings provided by the accurate update of portfolios that include each property according to its risks and liquidity requirements.

OPTIMIZATION OF RESOURCES IN ASSETS MANAGEMENT AND MERCHANDISING.

Along with strategic management of problematic credits, IBERTASA has an up-to-date vision of the variations between value and risk within the market, permitting a more efficient and cost-saving management of these assets.

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