Ibex 35 ya rufe da faduwa, sabanin tashin sauran manyan kasuwanni a Amurka da Turai, bayan liyafar sanyi a kasuwar hannayen jari ga yarjejeniyar haɗin gwiwa tsakanin PSOE da Podemos. Bankia shine mafi ƙarancin darajar kuma ya bar 4,55%. A wani lokaci mai mahimmanci don ci gabanta tsakanin kasuwannin daidaito, kuma wanda za'a iya jagorantar shi zuwa ɗayan shugabanci ko ɗayan, ya dogara da masu canjin da zasu iya haɓaka daga yanzu zuwa. A tsakanin ɓangarorin da ba sa shiga mafi kyawun lokuta, kamar yadda aka gani a cikin 'yan watannin nan.
A gefe guda, akwai jerin ƙididdigar ƙididdigar da za a iya cutar da su sosai a cikin kasuwancin su ta hanyar yiwuwar gwamnatin hagu a Spain. Tabbas, ɗayan waɗannan sassan shine harkar banki, musamman Bankia. Tunda shirin Unidos Podemos yayi tunanin cewa mahaɗan ne mallakar jama'a kuma wannan gaskiyar ta sa wannan ya zama ɗayan darajar da ke faɗuwa mafi yawa a cikin kasuwannin daidaito, yana barin kusan 2% na kimantawa.
Lokaci yayi nisa da lokacin da nake kan hanyar samun matakan a 4 kudin Tarayyar Turai aikin. Amma ya sami koma baya mai tsanani kuma yana tallafawa dukkan bangarorin banki kuma ɗayan mafi ƙarancin dalilan da ya sa hannun jarinsa ya ragu da kusan 40% a cikin watanni goma sha biyu da suka gabata. Kuma a halin yanzu tana ƙoƙari ta kasance kusa da matakan euro biyu a kowane fanni, ba tare da samun goyan baya daga abubuwan da ke gabanta ba kuma wataƙila ma da zuwan matsalar tattalin arziki. Har ta kai ga ta iya shiga cikin asarar da ta riga ta sarrafa ta na nunawa a cikin farashin ta.
Manufa: Yuro 2
A halin yanzu, hannun jari na Bankia suna kasuwanci a kusa da 1,73 Tarayyar Turai, ɗayan matakan mafi ƙasƙanci a cikin 'yan shekarun nan. Zuwa ga soke babban ribar da aka cimma tsakanin 2015 da 2018. Da zarar an samar da wannan muhimmin yanki, makasudin shine komawa zuwa matakan euro biyu kawai kuma daga inda zata iya tunanin maƙasudin mafi kyau. Ala kulli halin, ba a sami kwarin gwiwa sosai daga ɓangaren ƙanana da matsakaitan masu saka jari don cimma wannan buri, wanda ake ganin ya fi na sauran watanni baya. Lokacin shigar da karkata ƙasa wanda har yanzu yana aiki kuma hakan na iya ba da mamaki daga yanzu.
Duk da yake a ɗaya hannun, yana ba da gudummawar riba wanda ya dace da sauran cibiyoyin bashi. Kodayake jita-jita ta ƙarshe ta nuna cewa mai yiwuwa a rage ta cikin makonni masu zuwa ta shawarwarin da aka bayar tun Babban Bankin Turai (ECB) Gaskiyar cewa, idan hakan ta faru, na iya fara sabon salo na ƙasa wanda zai iya ma kai farashin su zuwa matakan da suke cikin rukunin kuɗin Euro. Ganin irin wannan yanayi, ba abin mamaki bane cewa kyakkyawan ɓangare na ƙanana da matsakaitan masu saka jari sun yanke shawarar watsi da matsayin wannan ƙimar a cikin kasuwar kasuwar hannun jari ta Sipaniya mai ƙarfi. A lokacin sanya hannun jarin ku a cikin kasuwannin hada-hada na Sifen, ɗayan abubuwan da yakamata ku yi ba shine saka hannun jari kamar wannan ba saboda kawai.
Karbuwa ga sababbin fasahohi
A gefe guda, wani ɗayan abubuwan da suka fi dacewa waɗanda suka shafi wannan rukunin lamuni shine wanda ke nuni da gaskiyar cewa yana iya kasancewa ɗaya daga cikin ƙimar da ke da matukar damuwa ga sabbin matakan na gwamnatin hagu. Kuma wannan yana daga cikin manyan dalilan da yasa aka bar kadan sama da 5% a zaman tattaunawa biyu kawai, wanda ke jagorantar faduwa a bangaren. Ba abin mamaki bane, duk wani abu da nauyin banki yake wakilta a yanzu, yana daga cikin mafi rauni a cikin Ibex 35. Har ta kai ga cewa yana da matukar wuya ayi aiki da ayyukanta tunda tabbacin nasara ya kasance mafi karanci a sha'awar yin riba mai riba daga yanzu.
A wata hanyar daban, aikace-aikacen wayar hannu ta Bankia ta kafa kanta a matsayin aikace-aikace na uku da aka fi amfani da su a bangaren hada-hadar kudi, yayin da shi ne wanda ya fi girma a tsakanin matasa 'yan kasa da shekaru 25, bisa ga Shafin Aikin Mobile da Smartme Analytics ya shirya . Musamman, aikace-aikacen Bankia ya sami nasarar rufe kwata na uku na shekara tare da kimantawa da maki 62,4 kuma ya sami kansa a cikin 'saman 3' na ɓangaren kuɗin Spain. A cewar wannan rahoton, Manhajar Bankia ta tashi da kusan kashi 30% a kashi na uku idan aka kwatanta da na biyu, inda aka tashi daga maki 48,18 zuwa 62,4.
Me za a yi?
Dangane da wannan yanayin da ke ba da wannan ƙimar na banki, ƙanana da matsakaitan masu saka jari suna la'akari da irin dabarun da za su iya aiwatarwa a wannan lokacin. Ofaya daga cikin tsarin da za'a iya amfani dasu don sanya hannun jari shine a jira faɗuwa don zurfafawa don ɗaukar matsayi a cikin taken ku tunda yiwuwar sake kimantawa zata faɗi fiye da yanzu. Musamman idan an saita tushen farawa a matakan yuro biyu a kowane juzu'i, wanda shine wanda aka sanya shi ta hanyar adadi mai yawa na masu nazarin kasuwar daidaito. A gefe guda, ba za a iya mantawa da cewa wannan cibiyar ba da rancen na iya yin tasiri mai ƙarfi idan farashin ya faɗi ƙasa warwas a cikin kwanaki masu zuwa. Daidaita azaman zaɓi don masu saka hannun jari tare da ingantaccen bayanin martaba.
Duk da yake a ɗaya hannun, lokaci ne kuma da zai yi tasiri cewa ana iya siyar da hannun jari a wannan lokacin wanda tsayayyar wani mahimmancin ya wuce. Daga cikin wasu dalilai, saboda ana iya wuce matakan riba zuwa waɗanda aka kiyasta na waɗannan lokutan saboda gaskiyar cewa suna da hanya madaidaiciya a gaba har ma suna gano sabon juriya a kan hanyar. Matukar dai yanayin kasuwannin daidaiton bada damar hakan daga yanzu. A cikin abin da aka kirkira a cikin dabarun da ke buƙatar ƙwarewar ƙwarewa daga ɓangaren ƙanana da matsakaitan masu saka jari. Don haka ta wannan hanyar, ana iya samun takamaiman dawowa kowace shekara in babu albashi daga samfuran banki da abubuwan da ke shigowa na tsayayyen kudin shiga. Misali, ajiyar ajali na lokaci-lokaci ko jarin kamfanoni waɗanda da kyar suka kai 1% a cikin mafi kyawun al'amuran.
A gefe guda, gaskiyar cewa Bankia na ɗaya daga cikin amintattu tare da mafi munin aiki a cikin 'yan shekarun nan ya dace. Daga Yuro 3 wanda ake ciniki dashi justan yearsan shekarun da suka gabata kuma daga inda suka fara aiki mai wahala wanda ya kaisu ga matakan ambaton yanzu. A cikin wannan yanayin gabaɗaya, babu fata da yawa da yakamata ku sanya a cikin wannan darajar tunda halin sayarwar yanzu yana ɗora kanta da wasu ƙarfi akan mai siye. Kuma wannan ya haifar da matsayin da aka sanya yanzu a cikin yanayin halin yanzu. Inda zaka sami asara fiye da cin nasara kuma wannan shine a ƙarshen rana abin da ke cikin waɗannan lamuran na musamman. Bayan labaran da za a iya samarwa daga yanzu zuwa.
Bankia yana kara ragin riba
Sakamakon core, banki zalla, ya kai euro miliyan 946, kashi 0,7% fiye da shekara ɗaya da ta gabata. Inda yawan kuɗin da aka samar akan 12% CET1 an cika shi sosai tun daga 2018 ya kai miliyan 1.280, daidai da burin miliyan 2.500 na Tsarin Dabarar. A karo na uku a jere kwata-kwata, jimillar ma'aunin bashi ba tare da shakka ba ya karu kuma ya wuce Yuro biliyan 107.200. Adadin sabbin tsare-tsaren bada lamuni ya girma da kashi 1,3% har zuwa Satumba a cikin yawan kuɗi. An lura da cewa adadin NPAs (mai shakku da wanda aka killace) ya ragu da miliyan 1.400 a wannan shekarar, yayin da masu aikata laifuka suka ragu zuwa 5,5%.
A gefe guda, an jaddada cewa ƙimar sayayyar kwastomomi tana hanzarta kuma, a cikin watanni 12, tushen ya karu da mutane 165.000 (68% ƙari), yayin da adadin abokan ciniki da ke samun kuɗin shiga ya tashi da 126.000 masu gida (+ 20%). Bankia ya sake rufe kashi daya bisa hudu a matsayin jagora wajen tara kudaden saka jari (miliyan 996) kuma ya kai miliyan 21.300 da ake gudanarwa da tallatawa. Gamsuwa na abokin ciniki yana riƙe da ci gaba mai mahimmanci, yana kaiwa sama da 90,3%, yana kaiwa sabon rikodin, kuma ƙididdigar shawarwarin ya karu da sama da maki goma a cikin watanni tara. A ƙarshe, ya kamata a lura cewa 51,4% na abokan ciniki sun riga sun zama dijital kuma fiye da 26% na jimlar tallace-tallace an yi ta hanyar tashoshin dijital.
A gefe guda, ba za a iya mantawa da cewa wannan cibiyar ba da rancen na iya yin tasiri mai ƙarfi idan farashin ya faɗi ƙasa warwas a cikin kwanaki masu zuwa. Daidaitawa azaman zaɓi don masu saka jari tare da ingantaccen bayanin martaba.