Ayan kyawawan ƙididdiga na canjin canjin ƙasa kamar Banco Santander yana kan mararraba a cikin kwatankwacin farashinsa. Ba a san shi da kyau ba idan zai iya zuwa Euro uku rabon ko kuma idan akasin haka, zai iya sake wuce matakin juriya da yake da shi yanzu a kan euro biyar. A cikin kowane hali, waɗannan ba lokuta masu kyau bane ga ɓangaren banki akan kasuwar hannun jari. Faduwarsa tayi zurfi matuka Kuma abin da ya fi muni, za a iya dawwama a cikin watanni masu zuwa. Fiye da sauran ƙididdigar fasaha kuma wataƙila kuma daga mahangar abubuwan yau da kullun.
A halin yanzu, farashinsu yakai rabin tsakanin Yuro 4 da 5 a kowane fanni kuma hakan yana haifar da ƙanana da matsakaitan masu saka jari ba su san abin da zasu yi ba. Ko don ɗaukar matsayi ko kasancewa cikin mafi yawan kuɗi don amfani da mafi kyawun lokacin a farashin su. Ala kulli halin, hannun jarin Banco Santander yana yin rawar gani fiye da masu fafatawa da shi a cikin jerin abubuwan hada hadar, Ibex 35. BBVA cewa a cikin 'yan watanni ya wuce daga ciniki 8 euro zuwa kawai sama da 4.
Bugu da ƙari, ba za a iya mantawa da cewa bankin banki yana ɗaya daga cikin mawuyacin hali na darajar kuɗin Sifen. Wani abu da ba zai taɓa misaltawa ba a wasu shekarun ba mai nisa ba. Tare da banbanci mai karfi tsakanin su matsakaici da mafi ƙarancin farashi, kamar yadda yake faruwa a cikin zaman ciniki na ƙarshe. Sama da sauran bangarorin da fifikon fifiko ya fi kulawa da haɓaka waɗannan ayyukan dangane da daidaita farashin su. Yanayi ne wanda zamuyi rayuwa dashi a watanni masu zuwa.
Santander: ƙasa da farashi
Tabbas, akwai abu guda a bayyane a cikin wannan mahimmin shuɗin guntu na daidaiton ƙasa. Kuma ba wani bane face cewa farashinsa na yanzu yana da ƙima ƙwarai kuma ƙasa da ƙimar masu binciken kuɗi waɗanda ke ba da farashin da yake sama da yuro biyar a kowane fanni kuma a wasu lokuta sama da waɗannan matakan. Tare da wanna, yana da mahimmancin ƙarfin kimantawa, a kusa da 20% A mafi yawan lokuta. A gefe guda, ya kamata a lura cewa ya kasance hukuncin azabtarwa sosai a cikin zaman kasuwancin kwanan nan.
Har zuwa lokacin da aka sanya hannun jarin zuwa matsakaici kuma musamman na dogon lokaci, yana iya zama zaɓi mai fa'ida sosai ga ƙanana da matsakaitan masu saka jari. Ba haka bane a takaice kamar yadda canji ya kama ayyukansa, tare da wasu bambance-bambance tsakanin matsakaicin ka da farashin ka. A gefe guda, ya kuma kirga wasu rashin tabbas na bangaren sakamakon halin bankin Turai gaba daya. Tabbas wani abu baya taimakawa farashin don kasancewa ƙarƙashin yanayin haɓaka.
Girman bita kasa
Wani yanayin da yake wasa da bukatun Banco Santander shine bunkasar da aka yi ta Asusun Ba da Lamuni na Duniya (IMF) kuma hakan ya haifar da gyara matsayinsu da kyau a cikin kwanakin nan. A wannan ma'anar, an hukunta kasuwannin adalci bayan IMF ta sake yin kwaskwarima a ƙasa, tun da ƙididdigar haɓakarta ga tattalin arzikin duniya ba ta da kyau kamar yadda mutum zai yi tunani. Bangaren da wannan sabon bincike ya fi shafa babu shakka bangaren banki ne kuma Santander na ɗaya daga cikin mahimman ƙungiyoyin kuɗi a tsohuwar nahiyar.
Ala kulli halin, babbar matsalar wannan saka hannun jari ita ce, ribar da yake samu a cikin shekaru goma da suka gabata ya yi ƙasa da ƙasa. Ba za a iya mantawa da cewa har kwanan nan ayyukansa sun kasance ba a cikin matakan Yuro 6 kuma tare da hangen nesan da zasu iya tashi a cikin yan shekaru masu zuwa. A gefe guda, ba ta shiga cikin hanyar da aka yi ciniki da ita ba kuma wannan yana ɗaya daga cikin shakku cewa komawa zuwa matsayin wannan rukunin kuɗi mai ƙarfi yana haɓaka. Fiye da sauran abubuwan la'akari da fasaha har ma daga mahangar abubuwan da suke asali.
Canje-canje a kamfanin inshorar ku
Daya daga cikin labaran da kasuwanni suka bayar a kwanakin baya shine Taswirar zai kasance mamallakin 50,01% na babban birnin kamfanin da ya haifar, wanda zai biya Euro miliyan 82, kuma Santander Seguros zai kasance mai mamakin sauran 49,99%. Bankin zai rarraba ne kawai a cikin cibiyar sadarwar Santander a cikin Spain inshorar mota, hadari mai yawa na kasuwanci, SME mai hadarin gaske da inshorar alhaki na sabon kamfanin. Koyaya, haƙiƙa kamfani ne cewa baya wuce iyaka yana shafar farashin farashinsa.
A gefe guda, ya rage kuma a ga yadda matsalolin da abokin hamayyar ku ke fama da su kwanakin nan za su shafe ku, BBVA. Domin hakan na iya zama sanadiyyar raguwar al'amura a bangaren don karfafa a kalla a cikin mafi karancin lokaci. Hakanan babu ƙarancin masu nazarin harkokin kuɗi waɗanda ke yin ishara da gaskiyar cewa wannan na iya amfanar da sha'awar Banco Santander. Wannan wani abu ne wanda za'a gani a cikin zaman ciniki na gaba, a wata ma'ana ko wata. A kowane hali, ba su cikin mafi kyawun matsayi don fuskantar hauhawar farashin su a cikin ci gaba da kwanciyar hankali.
Alkawura na sabbin daraktoci
Hakanan ba zai iya rage labarai game da sabbin daraktoci a Banco Santander ba kuma hakan na iya haifar da tashin hankali ko shakku fiye da ɗaya tsakanin ƙanana da matsakaitan masu saka jari. Saboda a zahiri, da kuma magana game da wannan lamarin na cikin gida, dole ne a tuna cewa kwamitin gudanarwa na Banco Santander ya amince a taronta na yau kada ya ci gaba da nadin Andrea Orcel a matsayin Shugaba na Groupungiyar. Kwamitin ya sanar da nadin Orcel a watan Satumbar 2018, gwargwadon yanayin al'ada, gami da watanni shida na lambun hutu. Sadarwar ta zama dole saboda muhimmancin aikinta da na ka'idoji, abubuwan shari'a da kwangila.
El yan kwamitin gudanarwa Bayan haka Santander ya amince da albashin shekara-shekara wanda Orcel zai karba a matsayin Shugaba a Santander, daidai da na José Antonio Álvarez. Koyaya, a wancan lokacin, ba zai yiwu a yi hasarar ƙarshe na ƙarshe ga Rukunin biyan bashin da aka jinkirta ba wanda aka ba shi a matsayinsa na baya kuma da zai yi asara yayin barin sa. Sabili da haka, an yi alƙawarin ne bisa ƙididdigar dalilin kuɗin, daidai da shawarar da aka karɓa, abubuwan da suka gabata da kuma tsammanin za a iya sake bita a ƙasa saboda yanayin alaƙar bankunan da banbancin ayyukan da suke yi sayi-nan-ci-gida.
Babban farashi ga banki
A watannin baya, sun taba tattaunawa dangane da sharuddan ficewar Orcel daga mahallin da yayi aiki. Yanzu ya bayyana karara cewa kudin da Santander zai biya shi na jinkirta biyanshi sama da shekaru bakwai, da sauran fa'idodin da zasu samu a matsayin sa na baya zai zama mafi girma fiye da yadda hukumar ta zata a farko a lokacin sanarwar. na alƙawarinku
Kwamitin ya yi la’akari da cewa ba zai zama karbabbe ba ga bankin kasuwanci kamar Santander ya fuskanci kudin hayar mutum ba, koda kuwa ya kai wannan matakin da wannan yanayin dangane da kimar kungiyar da kuma nauyin da ya hau kanta. Masu ruwa da tsaki da kuma kamfanonin kasashen da suke aiki. A wannan yanayin, kwamitin yana ganin cewa ba zai dace a bi ba ci gaba da alƙawari.
Saitin fale-falen buraka akan jadawalin kungiyar
José Antonio Álvarez, wanda ya ci gaba a matsayin Shugaba bayan sanarwar nadin da kuma wanda aka tsara zai karbi shugabancin Santander Spain a watan Maris, zai ci gaba da kasancewa Shugaba na kungiyar. Hakanan, zai hau kujerar mataimakin shugaban kansila. Rodrigo Echenique, wanda ya shirya barin matsayin nasa na yanzu a matsayin shugaban Santander Spain a watan Maris, zai ci gaba har zuwa nadin wanda zai gaje shi.
A cikin wannan yanayin, shugaban Banco Santander, Ana Botín, ya ce: “A matsayin banki na kasuwanci, dole ne mu auna tsada na karɓar ƙwararren masani, koda kuwa wanda ke da baiwa Karina Orcel, wanda ya biya diyyar asarar shekaru bakwai na jinkirin albashi, tare da al'adunmu na kamfanoni, wanda ke nuna sadaukarwa da ɗaukar nauyi tare da ma'aikatanmu, abokan cinikinmu da masu hannun jari. A dalilin wannan, ni da majalisa mun gamsu da cewa, duk da cewa yanke shawara ce mai wahala, mun yi daidai.
A kowane hali, ɗayan manufofin wannan bankin zai kasance don cimma matakin euro 5 na kowane juzu'i. Don sake gwada manyan manufofi daga dukkan ra'ayoyi, kuma wannan shine inda yakamata masu haɓaka su jagoranci dabarun. Bayan duk wannan, yana ɗaya daga cikin maƙasudin ɗan gajeren lokaci na wannan bankin kasuwanci. Wani abu kuma daban shine cewa hakika yana samun nasara. Tabbas ba zai zama da sauki ba.