Bankinter yana daya daga cikin wakilan matsakaiciyar banki wanda ke da kyakkyawar shawarwari daga masanan harkokin kuɗi daban-daban. Har zuwa ma'anar cewa tana iya samun damar sake kimantawa har ma sama da wacce manyan bankunan Spain suka samar. A matsayin daya daga cikin zabin shiga kundin kananan da matsakaitan masu saka jari daga yanzu. Fiye da sauran ƙididdigar fasaha kuma wataƙila ma daga ra'ayin mahimman abubuwansa.
A yanzu haka hannun jarin wannan rukunin kuɗi suna matakan da suka ƙunsa tsakanin Yuro 7 zuwa 8. Idan wannan tsayin daka na ƙarshe ya wuce, ba za a iya yanke hukuncin cewa zai iya ma zuwa Euro 10, kodayake a cikin wannan yanayin ana nufin matsakaici da dogon lokaci. Saboda tabbas ba za a iya mantawa da shi ba a cikin mummunan lokacin da bankuna ke tafiya a cikin kasuwannin daidaito. Kuma a wannan ma'anar, Bankinter tabbas ba zai zama banda ba. Zai zama dole a yi fatan cewa a ƙarshe wannan ɓangaren yana da kyakkyawan aiki don buɗe matsayi a cikin wannan ƙimar zaɓin kasuwar hannun jari ta Sifen, Ibex 35.
Duk da yake akasin haka, yana da mahimmanci a bincika cewa farashin hannun jarinsa ya fito ne daga ƙananan matakai fiye da ƙimar da take da shi a halin yanzu. Sabili da haka, dole ne ku yi taka-tsantsan kafin ku shiga matsayinsu saboda haɗari a cikin aiki koyaushe suna nan har ma fiye da haka a cikin waɗannan watanni masu wahala don kasuwar hannun jari ta Sipaniya kuma musamman ga ɓangaren banki. Ofaya daga cikin mafi munin aikatawa tun 2017. Waɗannan su ne masu canzawa waɗanda dole ne a kula da su kafin yanke shawara, a wata ma'ana ko wata. Abin da dalili ke nunawa sama da sauran abubuwan la'akari.
Sakamakon Bankinter
Bankinter ya samu riba 526,4 miliyan kudin Tarayyar Turai a cikin 2018, 6,3% ya karu a daidai wannan lokacin na shekarar da ta gabata. Ityungiyar ta sami waɗannan lambobin rikodin albarkacin sake kasuwancin ta da "tare da manyan ƙarfinta: riba, warware matsaloli da ingancin kadarori, a matsayin shugabanci a ɓangaren." Tsaro (CNMV).
A cikin abin da Bankinter ya bayar da rahoton cewa ribar da ƙungiyar ta samu a ƙarshen bara ta kai Euro miliyan 526,4, kuma Riba kafin haraji a cikin miliyan 721,1, wanda ke wakiltar ƙaruwa dangane da shekarar da ta gabata na 6,3% da 6,5%, bi da bi. A wannan ma'anar, wannan rukunin ƙungiyar ta rufe 2018 tare da haɓaka cikin kowane yanki. Samun kudin shiga na riba ya ƙare a shekara ta 2018 akan euro miliyan 1.094,3, wanda ya ninka kashi 5,8% cikin ɗari bisa ɗari na wannan shekarar daga shekarar da ta gabata.
Layin kasuwanci mai daidaitawa
Sakamakon Groupungiyar Bankinter ya dogara ne kacokam kan kasuwancin abokin ciniki, wanda ya sa su ɗorewa don nan gaba. Bankinter ya haɓaka cikin fewan shekarun da suka gabata dabarun faɗaɗa hanyoyin samun kuɗaɗen shiga wanda manyan kamfanoni ke bunƙasa da countercyclical tare da sababbin kasuwancin da aka haɗa kuma waɗanda ke da haɓakar haɓaka mafi girma, wanda ya ba da damar daidaitaccen ci gaba gabaɗaya.
Gudummawar zumunta na duk waɗannan layukan zuwa babban bankin ya banbanta a cikin 'yan shekarun nan a matsayin aiki na haɓakar waɗannan sabbin kasuwancin, kamar Bankinter Portugal ko kasuwancin mabukaci. Layin da ke ba da babbar gudummawa ga babban ratar ya ci gaba da kasancewa Bankin Kasuwanci, tare da 30%.
Bayan iyakokinmu
Haka kuma, da rancen fayil Wannan kasuwancin ya sami ci gaban haɓaka tsawon shekaru wanda ya haifar da rufe shekara a kan Euro miliyan 24.000, wanda miliyan 22.600 ya dace da kundin lamuni na kamfanoni a Spain, wanda ke wakiltar 3,2% fiye da shekarar da ke sama, lokacin da ɓangaren a matsayin duka ya ragu da 5,1%, bisa ga bayanai har zuwa Nuwamba daga Bankin Spain.
Ayyukan ma'amala da haɗin gwiwa suna ta samun nauyi a cikin kasuwancin Corporate, tare da abokan ciniki waɗanda ke ba bankin ƙarin ɓangaren duniya na bukatun su na kuɗi. Ana nuna wannan, misali, a cikin hukumar samun kudin shiga, wanda ke wakiltar ƙarin 18% a cikin shekara. Hakanan, wannan haɗin mafi girma na kamfanoni tare da banki ya haifar da kyakkyawan sakamako da aka samu ta hanyar ayyuka na musamman kamar Bankin saka hannun jari ko Kasuwancin ,asa, wanda ya riga ya samar da kashi 27% na babban haɗin duk kasuwancin Kamfanin kuma inda Bankinter yake yau shine alamar ƙirar alama a kasuwa.
Raba cikin bayanin banki
Bankin Kasuwanci, ko na mutane, shine layi na biyu na kasuwanci na banki dangane da gudummawar da yake bayarwa ga babban ragin, tare da kashi 28% na duka. A tsakanin wannan layin kasuwanci, Bankin Masu zaman kansa, wanda ke hada kwastomomi da manyan kadarori, ya nuna juriya a cikin mawuyacin yanayi. A ƙarshen shekara, dukiyar da aka sarrafa ta waɗannan abokan cinikin sun kai Euro miliyan 35.600, wanda ya ninka 2% fiye da shekara guda da ta gabata, duk da rage ragin Yuro miliyan 2.500 da aka samar a cikin jaka saboda sakamakon kasuwa. Kari kan haka, bankin ya kame Euro miliyan 3.100 na sabon kamfani daga wadannan kwastomomin, idan aka kwatanta da na shekarar 2.800.
Babban ɓangare na wannan layin kasuwancin shine Bankin Banki na Mutum, wanda ya ƙare shekara tare da ƙimar Euro miliyan 21.600, ƙarin 2% duk da tasirin kasuwa wanda ya rage darajar fayil ɗin da euro miliyan 1.000. Sabon kuɗaɗen da aka kama tsakanin waɗannan abokan cinikin a shekarar 2018 ya kai miliyan 1.400. Har yanzu, kyakkyawan aikin samfuran yana jan hankalin sabbin kwastomomi, kamar asusun biyan kuɗi da lamunin lamuni a cikin yanayinsa daban-daban.
Don haka, jakar asusun biyan albashi a karshen shekara ya tsaya a Yuro miliyan 8.317, wanda ya fi kashi 22% fiye da na 2017. Game da jinginar gidaje, yawan sabon samarwa a shekara ya kai euro miliyan 2.532. fiye da na 11, kasancewar kashi 2017% na waɗannan jinginar a kan farashin da aka kayyade.
Kamfanin haɗin inshorar da aka haɗa
Direct Line shine layi na uku na kasuwanci dangane da gudummawa ga babban bankin, tare da kashi 22%. Yawan manufofi ko hadari da kamfanin inshorar ya inshora ya kai miliyan 3,01 a karshen shekara, wanda ya kai 7,9% fiye da na shekarar 2017. Rubuce-rubuce a shekarar 2018 ya kai Euro miliyan 853,1, kaso 7% fiye da shekara daya da ta gabata, tare da bunƙasa a cikin kuɗin Mota na 5,3% idan aka kwatanta da matsakaicin kashi 2,4% na ɓangaren; da kuma 12,4% ƙari a cikin kuɗin gida, idan aka kwatanta da matsakaicin ci gaban ɓangaren a wannan yanayin na 3,2%, tare da bayanai har zuwa Nuwamba. Haɗin wannan kasuwancin ya tsaya a 87,3% a ƙarshen shekara, kuma ROE a 38%.
Game da Kasuwancin Abokai, wanda aka sarrafa ta Bankinter Consumer Finance, ajiyar abokin ciniki yanzu ya wuce miliyan 1,3, 18% sama da lambar data kasance shekara guda da ta gabata. Ayyukan kasuwanci na masu amfani sun kasance cikin kyakkyawar tafiya cikin shekara, tare da daidaiton euro miliyan 632 a cikin sabon lamuni wanda ke wakiltar 46% na wannan adadi kamar na Disamba 2017.
Bankinter zuba jari fayil
Game da jarin saka hannun jari, ya rufe shekara a euro miliyan 2.000, tare da ci gaban 34% idan aka kwatanta da adadi ɗaya a shekarar da ta gabata. Game da Bankinter Portugal, wanda shine layin kasuwancin da aka shigar dashi kwanan nan cikin ayyukan banki, ya rufe 2018 mai nasara a duk taken sa, tare da ci gaba lamba biyu duka biyu a cikin albarkatu, 17% fiye da na 2017, da kuma cikin saka hannun jari na lamuni, kai yawan Euro miliyan 5.400, 12% fiye da shekara guda da ta gabata, tare da haɓakar kasuwancin rancen kasuwanci yana da mahimmanci musamman: ƙarin kashi 42%.
Hakanan, duk iyakokin bankin Bankinter Portugal suna nuna girma ɗaya ƙwarai girma. Tare da wannan duka, ribar da ke gaban haraji na wannan aikin ya harbe har zuwa Euro miliyan 13, kaso 14% fiye da wanda aka samu a shekarar 73. Kamar yadda bayanai ke nunawa kan ko wannan bankin na Spain na iya zama batun ayyukanmu a kasuwar jari.
Babban ɓangare na wannan layin kasuwancin shine Bankin Banki na Mutum, wanda ya ƙare shekara tare da ƙimar Euro miliyan 21.600, ƙarin 2% duk da tasirin kasuwa wanda ya rage darajar fayil ɗin da euro miliyan 1.000. Sabon kuɗaɗen da aka kama tsakanin waɗannan abokan cinikin a shekarar 2018 ya kai miliyan 1.400. Har yanzu, kyakkyawan aikin samfuran yana jan hankalin sabbin kwastomomi, kamar asusun biyan kuɗi da lamunin lamuni a cikin yanayinsa daban-daban.