Masu saka jari za su iya zaɓar daga bankunan da dama don cin gajiyar ajiyar su a wannan shekara mai wahala don kasuwannin daidaito. Ofayan waɗannan zaɓuɓɓukan wakiltar ƙungiyar kuɗi ta tsakiyar hula kamar yadda Bankia ke a wannan lokacin kuma wanda wasu masu sharhi kan harkokin kudi ke nuni da wata babbar dama ta sake kimantawa a cikin gajere da matsakaici. Kodayake tabbas ba zai zama yanke shawara mara haɗari ba kamar yadda za ku iya tabbatarwa a cikin wannan labarin.
Bankia ya sami wani dangana riba na Euro miliyan 703 a shekarar 2018, wanda ke wakiltar karuwar 39,2% idan aka kwatanta da shekarar 2017. A cikin ka’ida ta yau da kullun, ribar da aka samu ya kai miliyan 788, wanda ke wakiltar raguwar kashi 3,4% idan aka kwatanta da miliyan 816 da aka samu a aikin da ya gabata. Waɗannan sakamakon ne, wanda a ɗaya hannun, ba a karɓar su da kyau daga ƙanana da matsakaitan masu saka jari waɗanda suka zaɓi manyan tallace-tallace a cikin kasuwannin daidaito ba. Kodayake a cikin yanayi mai matukar daure kai a kasuwannin hada-hadar kudi kuma hakan na iya fassara wannan aikin a fagen kasuwanci na hada-hadar kasa.
A gefe guda, a lokacin shekarar kuɗi da ta gabata, Bankia ya ƙaru da 5,5% the gefe mai fa'ida, har zuwa Euro miliyan 2.049 (amma, idan an sanya BMN a cikin bayanin kuɗin shiga na 2017, wannan layin zai faɗi da 9,6%). Wannan na iya zama ɗaya daga cikin dalilan da ya sa ba a amince da waɗannan bayanan ta hannun masu saka jari ba. A cikin yanayin da baya amfani da bukatun ƙungiyar banki gaba ɗaya. Ba abin mamaki bane, faduwar cikin waɗannan kwanakin ya shafi dukkan bankuna, ba tare da togiya da kowane irin ba. Har zuwa ma'anar da zaku iya la'akari da ko lokaci ne mai kyau don shigar da wannan ƙimar lambobin na Spain.
Bankia ribar kowane wata
Goirigolzarri kuma ya nuna kwarin gwiwa sosai game da canjin da aka samu a cikin shekarar da aka fara. “Mun shiga shekarar 2019 tare da wata sabuwar kungiya. Designedungiyar da aka tsara don nan gaba, ƙungiya mafi ƙarfi da ƙarfi da ƙarfi. Kuma wannan, ba shakka, zai ba mu sakamako a cikin gajeren lokaci, amma kuma a cikin matsakaici da kuma dogon lokaci ”. A nasa bangaren, Shugaban Kamfanin, José Sevilla, ya bayyana gaskiyar cewa “a duk shekara ta 2018 mun bunkasa a cikin manyan bangarorin kasuwancinmu, kamar rancen mabukaci da harkokin kasuwanci, wanda a cikin sa muka ƙara haɓaka kuma muka haɓaka kasuwarmu”.
Seville ya ja hankali cewa shekara tana rufewa “mai matukar mahimmanci a cikin duk abin da ya shafi lafiyar ma'aunin lafiya da kuma ci gaban jarinmu, wanda zai kai kashi 12,51 cikin ɗari lokacin da aka rufe ma'amaloli da ke gudana, wanda ke riƙe mu a matsayin ɗayan mahimman cibiyoyi a bangaren ”. A lokacin 2018, Bankia ya kara rarar ribarsa da kashi 5,5%, zuwa Yuro miliyan 2.049 (amma, da a ce an saka BMN a cikin bayanin kudin shiga na 2017, wannan layin zai fadi da 9,6%). Hukumar samun kudin shiga ya karu da 25,3% (3,4% a kwatankwacin kama) kuma sakamakon ayyukan kuɗi ya karu da 11,5%, wanda ya ba da damar babban haɗin ya ƙaru da 11,3% (ya faɗi da 6,3% tare da BMN) kuma ya tsaya a miliyan 3.368.
Increaseara Raba cikin kashi ɗaya
Tare da waɗannan sakamakon, Kwamitin Gudanarwa zai gabatar da taron Babban Masu Raba Raba ɗaga 5% rara a kowane rabo, har zuwa anin 11,576 (anin 11,024 a 2017). Don haka, jimillar kuɗin da za a biya ga masu hannun jari na Bankin zai kai yuro miliyan 357, idan aka kwatanta da miliyan 340 a shekarar da ta gabata. Sakamakon biya don haka ya kai 50%.
Tare da hannun jarin 61,4% da kungiyar ta FROB ke da shi a Bankia, wannan rarar za ta wakilci wani ci gaba ne a yayin sake biyan tallafin wanda ya kai Euro miliyan 219. Saboda haka, jimlar taimako biya bayan biya, wanda ake tsammani a watan Afrilu, zai kai Euro miliyan 3.083, wanda miliyan 961 ya yi daidai da ribar biyar da aka biya tun daga 2014.
Bada kyauta
A gefe guda, kuma dangane da aiki, tsarin samar da lamuni ya karu da 6%, zuwa Yuro miliyan 2.928; yayin da na bashin mabukaci ya karu da 13%, zuwa miliyan 2.286, da na harkokin kasuwanci sun karu da kashi 13%, zuwa miliyan 14.484. Don haka, daidaiton darajar mabukaci ya tashi da 14,1% da na kamfanoni, 4,4%. Hakanan, bankin ya sami ci gaba sosai ta hanyoyin biyan kuɗi.
Lissafin kuɗi na wurin sayarwa (POS) ya haɓaka 15,2%, kuma biyan kuɗin katin abokin ciniki a cikin shaguna ya haɓaka 12,8%. Duk wannan an fassara shi zuwa sabon haɓaka a cikin hannun jarin kasuwa, wanda ya tsaya a 12,39% a cikin yanayin tashar POS da 12% a cikin sayan katin.
A bangaren albarkatun abokan ciniki na kiri, ya ƙare shekara tare da ragin 0,3%, zuwa yuro miliyan 147.149. A cikin wannan juyin, ayyukan kudaden saka jari ya tsaya, wanda, a cikin shekara mai wahala ga kasuwanni, ya haɓaka rabonsu da maki 17, zuwa 6,55%.
Tare da ƙarin abokan ciniki
Bankin ya kara yawan kwastomomi da 120.576 a shekarar kuma ya kara masu kaimi, tunda a karshen shekarar yana da karin kwastomomi 103.000 tare da kudaden shiga kai tsaye.
A cikin tushen kwastomomi, akwai ƙarin karuwa a cikin Adadin digitizationDon haka, a ƙarshen shekara, kashi 45,4% na abokan ciniki sun kasance na dijital kuma an samar da 25,8% na tallace-tallace ta wannan hanyar, idan aka kwatanta da 15,7% shekarar da ta gabata. Ya kamata a sani cewa kashi 31,4% na rangwamen bashi na mabukaci aka yi su ta hanyar dijital, kamar yadda kashi 19,4% na kwangilar tsare-tsaren fansho ko 12,6% na kuɗin saka hannun jari suka kasance.
A cikin wannan yanayin gabaɗaya, ɗayan ƙungiyoyin kuɗi ne waɗanda suka yi rawar gani a kasuwar jari a cikin 'yan shekarun nan. Sama da bankuna na mahimmanci na musamman, kamar misali a cikin sha'anin BBVA da Banco Santander. Ba za a iya mantawa da shi ba, a gefe guda, cewa wannan banki ya fito ne daga ƙungiyar kuɗi tare da manyan matsaloli kuma a farkon hakan ya haifar da kyakkyawan ɓangare na ƙanana da matsakaitan masu saka jari don nuna wasu ƙyamar gani ga buɗe matsayi a wannan darajar indexididdigar yawan kuɗin shiga na Mutanen Espanya mai canzawa.
Kimanin Euro 2,50
Kimantawa a cikin farashin banki ya kusan Euro 2,50. Kodayake a kowane hali, ɗayan abubuwan da ke tattare da shi shi ne babban tashin hankali kuma hakan ya haifar da manyan bambance-bambance tsakanin matsakaita da mafi ƙarancin farashi a mafi yawan lokutan ciniki. A wannan ma'anar, ba za mu iya mantawa da cewa 'yan shekarun da suka gabata farashin kuɗin wannan bankin kasuwanci ya ɗan fi naúrar Euro ɗaya ba. Wannan yana nufin a aikace cewa kimarku ta ninka sau biyu a wannan lokacin.
Koyaya, bayan ƙaruwa da aka samu a cikin recentan shekarun nan babu wata shakka cewa juyi yuwuwa an gaji da shi kuma tuni ya fi rikitarwa da za a sake ƙididdige shi, aƙalla kamar yadda yake a shekarun baya. Amma akasin haka, cewa akwai gyara masu mahimmanci a cikin farashin su kuma ana iya amfani da su don ɗaukar matsayi a farashin da ya fi na yanzu tsada. Fiye da sauran ƙididdigar fasaha kuma wataƙila kuma daga mahangar abubuwan yau da kullun.
Jagora cikin sauye-sauye kai tsaye
Wani daga cikin abubuwan da suka fi dacewa da wannan rukunin kuɗin ya fito ne daga gaskiyar cewa Bankia ya jagoranci kasuwancin canjin kai tsaye a cikin 2018, shekarar farko da wanzuwar irin wannan aiki a cikin kasuwar Mutanen Espanya, lokacin da aka kai adadin kashi 39% na adadin da aka sauya. Hakanan, ƙungiyar ta jagoranci wannan kasuwancin ta yawan ayyuka, tare da kashi 28% na canja wurin da aka gudanar a cikin Spain.
Tun daga watan Fabrairun 2018, watan da tsarin canja wuri ya fara a cikin ƙasarmu, a ƙarshen shekara, tsarin ya tura euro miliyan 16.800 a cikin ayyuka sama da miliyan 23,2, bisa ga bayanan Iberpay dangane da ayyukan da aka gudanar ta hanyar sabis ɗin ASI4. Daga cikin waɗannan, Bankia ya gudanar da canjin kuɗi miliyan 6,6 don adadin Euro miliyan 6.500.
A kowane hali, yana ɗaya daga cikin ƙimar kasuwannin daidaitattun Mutanen Espanya wanda zai zama wajibi ya zama mai da hankali sosai daga yanzu. Saboda yana iya haɓaka sabon ƙarfin zuwa sama wanda zai iya ɗaukar shi zuwa matakan kusan kusan euro uku rabo. Abu ne wanda tabbas ba za a iya fitar da shi ba a cikin matsakaici da kuma dogon lokaci, dangane da yadda kasuwannin hada-hadar kuɗi na ƙasa da ƙasa ke haɓaka a cikin makonni masu zuwa.
Kimantawa a cikin farashin banki ya kusan Euro 2,50. Kodayake a kowane hali, ɗayan abubuwan da ke tattare da shi shi ne babban tashin hankali kuma hakan ya haifar da manyan bambance-bambance tsakanin matsakaita da mafi ƙarancin farashi a mafi yawan lokutan ciniki. A wannan ma'anar, ba za mu iya mantawa da cewa 'yan shekarun da suka gabata farashin kuɗin wannan bankin kasuwanci ya ɗan fi naúrar Euro ɗaya ba. Wannan yana nufin a aikace cewa kimarku ta ninka sau biyu a wannan lokacin.