Daidaitawa a farashin bankunan da aka lissafa ya kasance halin gama gari ne a wannan zamanin kuma wannan yana haifar da waɗannan ƙimar suna cikin ɗayan mafi ƙarancin matakai a recentan shekarun nan. An bayyana wannan bayan bankin saka hannun jari na ƙasashen Kanada RBC Capital Markets. Ta hanyar rage farashin bankunan da aka lissafa a cikin jerin jerin abubuwan hada hadar na Spain, Ibex 35.
Abinda ya haifar da wannan bita a mahangar bankunan kasa shine gaskiyar shawarar karshe ta Babban Bankin Turai (ECB) don kulawa, aƙalla, har zuwa farkon rabin 2020 na kudaden ruwa a matakan yanzu. Sakamakon wannan aikin, kamfanoni daban-daban sun sabunta darajar su akan hukumomin Sifen. A kusan dukkanin lamura, rage farashin da aka sa gaba kuma a wasu lokuta tare da tsananin ƙarfi a cikin ragin waɗannan farashin a kasuwannin daidaito.
Wannan halin da ake ciki ya haifar da sayar da matsi yi ƙarfi sosai a kwanakin nan. Zuwa ga cewa duk hannun jari a cikin mahimman bankunan banki suna cikin yanayin zurfin ƙasa. Musamman saboda ana nufin ta duk sharuɗɗan dawwamamme: gajere, matsakaici da tsayi. Ba tare da gyare-gyaren da ke ba da matakai mafi kyau don warware matsayi daga yanzu ba. A cikin yanayin tattalin arziƙin ƙasa wanda ba shi da fa'ida sosai ga bukatun waɗannan amintattun abubuwan da aka lissafa akan kasuwar ƙasa.
Rage farashin: Bankia
Babu shakka, ɗayan mafi munanan ƙimomin rashin aikin yi waɗanda suka fito daga wannan nazarin farashin shine Bankia. Inda, ba za a iya mantawa da cewa manazarta bankin Kanada sun rage farashin da suke niyya daga Yuro 2,2 zuwa Yuro 2,1 a kowane fanni. Wannan a aikace yana ɗaukan a daidaitawa kusa da 5% kuma ya bar shi ba tare da damar da za ta sake ba da daraja a cikin kasuwar hannun jari don sashi na biyu na wannan shekarar ba Ba abin mamaki bane, don haka, cewa hannayen jarin Bankia sun faɗi a kwanakin nan kusan kashi 4,5% a cikin maganganunsu akan Ibex 35. Kasancewarka ɗaya daga cikin mafi munin aiki a waɗannan kwanakin.
A wannan lokacin, dole ne a yi taka-tsantsan na musamman tare da hannun jari na wannan ƙimar, waɗanda za a iya siyarwa fiye da saya. Daga cikin wasu dalilai saboda yana da hannu a cikin mummunan haɗari wanda zai iya haifar da shi ci yuro 1,50 aikin a cikin ɗan gajeren lokaci kaɗan. Ba abin birgewa bane don haɓaka ayyukan kasuwanci tunda yana gabatar da raguwar sati-sati. Kuma wannan lamarin yana nuna cewa zai ci gaba da rage daraja a kasuwannin daidaito. Sama da sauran abubuwan la'akari da yanayin fasaha sannan kuma wataƙila daga mahangar tushenta.
BBVA, daga Yuro 9 zuwa 5
Darajarta ta faɗi ƙwarai da gaske a cikin 'yan shekarun nan, ta rasa kusan rabin ƙimarta a kasuwannin daidaito. Saboda hakika, kuma duk da labaran da ke fitowa daga bangaren, wasu daga cikin su tabbatacce ne tabbatacce. Misali, gaskiyar cewa bayan karɓar izini na izini masu izini, ƙungiyar BBVA ta kammala siyarwa zuwa Scotiabank na hannun jarinsa na 68,19% a cikin BBVA Chile da sauran kamfanoni a cikin ƙasar.
Adadin cinikin ya kai kimanin dala miliyan 2.200. Wannan aikin zai samar da ribar da ta kai kusan Euro miliyan 640 da kuma kyakkyawan tasiri kan rarar babban adadin CET1 na kusan maki 50. Amma duk da haka, halin da yake ciki akan kasuwar hadahadar yana da matukar damuwa don bukatun ƙanana da matsakaitan masu saka jari waɗanda suka ga ajiyar su a kasuwar ta ragu sosai. Kodayake yana cikin fatarsu zasu iya dawo dasu kuma aƙalla su rage su sosai. Tare da raba yawan amfanin ƙasa wanda yake kashi 5,4% a yau. Ta hanyar tsayayyen tabbataccen biya a kowace shekara kuma tare da caji zuwa asusu.
Bankuna fa'ida
Bankunan Spain sun sami riba ta musamman na yuro miliyan 3.538 a farkon kwata na shekarar kasafin kudi ta 2019, wanda ke nufin raguwar 11,4% idan aka kwatanta da daidai lokacin na shekarar da ta gabata. Tare da balancean ƙaramin ma'auni na haɓaka, ƙaramin ci gaba a cikin kuɗin shiga mai riba da rage farashin aiki basu isa su gyara ƙananan sakamakon da aka samu daga ayyukan kuɗi ba. A cikin yanayin da aka nuna ƙarancin riba a cikin Turai, yawan kuɗin ruwa na riba ya karu da kashi 2,7% har zuwa Maris kuma ya kai euro miliyan 14.822, yayin da kuɗin shiga daga kwamitocin ya faɗi da kashi 0,5% a wannan lokacin.
Duk da yake a gefe guda, ba za a manta da cewa babban rabo ya ragu 1,2% a farkon watanni ukun farko na shekara kuma ya tsaya kan euro miliyan 20.896, akasari saboda raguwar sakamako daga ayyukan hada-hadar kudi da raguwar sauran sakamakon aikin net. Duk da cewa matsakaicin matsakaita ya karu fiye da 1,5% shekara-shekara, kudaden gudanarwar aiki ya ragu da 1%, wanda hakan ya ba da damar kiyaye daidaiton a 49,2%, daga cikin mafi kyau a tsarin banki baki daya. Tarayyar Turai. Inda tanadi da tanadi na ɓata dukiya ya karu da 7,1% a farkon watanni ukun farkon shekara, yayin da dawo kan daidaiton (ROE) ya tsaya a 7,01%, idan aka kwatanta da daidai da kashi 7,97% zuwa daidai lokacin shekara guda da ta gabata.
Laifin abokan ciniki ya tashi
Wani abin da yakamata a nuna a cikin wannan muhimmin sashin kasuwar hada-hadar hannayen jari shine wanda ya shafi lalatattun masu amfani. A wannan ma'anar, bayanan a bayyane suke lokacin da ya tabbata cewa rashin dacewar rabo ya kasance ƙasa da kashi 4% bayan ragin fiye da rabin kashi dari dangane da ƙimar shekarar da ta gabata, tare da matakin ɗaukar hoto daidai da 67,4% na kadarorin da ake shakku, idan aka kwatanta da 68,7% na shekarar da ta gabata.
Duk da yake a gefe guda, bayanan ɓangarorin sun kuma nuna cewa adibas abokin ciniki Sun tsaya a kan Euro tiriliyan 1,4, fiye da 5,5% fiye da na Maris 2018, wanda yanzu ke wakiltar fiye da 55% na jimlar ma'auni kuma ya ba da damar rabon lamuni zuwa ajiyar don kiyayewa a 108%. A cikin yanayin duniya, inda fa'idodin da suka samu a wannan lokacin ke ƙasa saboda sakamakon farashin mai arha. Kuma wannan ya haifar da ƙimar riba a cikin yankin na Yuro ya zama 0%, ma'ana ba tare da ƙima ba kuma hakan yana da nauyi a kan iyakar cibiyoyin bashi.
Bangare don kaucewa
Shakka babu cewa a wannan lokacin, ya kamata a guji ayyukan da ke da cibiyoyin kuɗi a matsayin cibiyar su. Daga cikin wasu dalilai saboda akwai abin da za a rasa fiye da fa'ida saboda ragowar ragowar da ƙimar su ke nunawa. Na ƙarshe don shiga wannan yanayin ya kasance Bankinter cewa a kowane lokaci yana iya barin matakan euro 6 na kowane juzu'i. Yaushe har zuwa fewan watannin da suka gabata shine ya kasance tare da mafi kyawun yanayin fasaha. Amma yanzu yana tunanin wasu haɗari a cikin ayyukan da zai iya zama babba don ɗaukar matsayi.
Duk da yake a gefe guda, akwai kuma canja wurin kuɗi daga masu saka hannun jari zuwa ga sharuɗan da ke aiki azaman mafaka a wasu lokuta mafi girman rashin kwanciyar hankali a kasuwannin daidaito. Kamar yadda yake a takamaiman lamarin kamfanonin lantarki cewa a cikin mafi yawansu suna cikin siffar tashi tsaye. Yana da mafi kyau duka saboda sun riga sun sami juriya na dacewa ta musamman sama da matsayin su na yanzu. Sabili da haka, suna iya haɓaka har ma fiye da yadda suke daidaita farashin su a karo na biyu na shekara.
Kasance tare da bankunan
Ta wannan hanyar, za a iya yin kaɗan a wannan lokacin tare da bankunan da aka jera a kasuwannin daidaito. Idan ba haka ba, dabarun sa hannun jari kawai shine jira, jira da jira. Har sai an sami tabbataccen canji a yanayin da ke taimakawa buɗe matsayi na fewan shekaru masu zuwa. A kowane hali, sha'awa daga ɓangaren ƙanana da matsakaitan masu saka jari na raguwa a wannan shekara kuma wannan wani lamari ne da za'a yi la'akari dashi yayin haɓaka dabarun saka hannun jari.
Saboda gaskiya ne cewa za a iya yin abubuwa kaɗan a cikin harkar banki lokacin da aka tsunduma cikin ƙaramar ƙasa mai tsananin ƙarfi. Kodayake da alama har yanzu ba ta taɓa ƙasa ba kuma ana iya ganin ƙananan farashi fiye da waɗanda aka ambata a wannan ɓangaren shekara. A wannan ma'anar, ba lallai ne ku yi haɗari da kuɗi ta kowace hanya ba. Yana da mafi kyau duka saboda sun riga sun sami juriya na dacewa ta musamman sama da matsayin su na yanzu. Sabili da haka, suna iya haɓaka har ma fiye da yadda suke daidaita farashin su a karo na biyu na shekara.