Kodi kuli bwino kukhala ku Banco Santander kapena ku BBVA?

Uli ndi limodzi mwa mafunso achikulire omwe amafunsidwa ndi omwe amafuna kuti athe kutsegula ma banki ndikuti tiyesa kuzindikira. Awiri ndi mabanki awiri akulu omwe adalembedwa mndandanda wazosankha zadziko lonse omwe amakhala ofanana nthawi zonse. Koma kuti m'miyezi yaposachedwa adatenga njira zina ndizosiyana. Mpaka pomwe afanana pafupifupi kuwerengera kwawo pamsika wamsika.

Palinso china china pakati pa Santander ndi BBVA ndipo ndikuti nthawi zonse amalipira omwe amagawana nawo. Ndi phindu la pafupifupi 5% kudzera pamalipiro anayi apachaka komanso omwe ali pakatikati pazikhalidwe ndi izi. Kwa azachuma omwe akufuna kupanga mbiri yazachuma chokhazikika m'mabizinesi azinthu zilizonse zomwe zikuchitika mumisika yamsika. Kukhala chimodzi mwazizindikiro zake kwazaka zambiri.

Komabe, mabanki awiriwa atsogolera miyoyo yofananira yomwe yadzetsa mabizinesi kukhala ndi kukayikira kambiri pazachitetezo chomwe angasankhe kuphatikizira gawo lawo. Mulimonsemo, ndi chimodzi mwazinthu zofunika kwambiri kubuluu pamsika wamsika waku Spain. Ndi capitalization yayikulu komanso komwe tsiku lililonse maudindo ambiri amasunthira ndikusintha kuchokera dzanja limodzi kupita kwina. Ndiye kuti, ali ndi ndalama zambiri, imodzi mwapamwamba kwambiri mu Ibex 35.

BBVA ndi Santander: zosiyana

Kukhazikika pamitengo yakhala nthawi zonse yomwe Banco Santander adawonetsa pafupipafupi. M'zaka zaposachedwa yasunthira pamitundu yomwe imachokera ku 3,50 mpaka 6 euros pagawo lililonse, ndikupereka bata kwa osunga ndalama ang'onoang'ono komanso apakatikati. Pamwamba pamalingaliro ena operekedwa ndi ndalama zamayiko. Ndiye kuti, sipanakhale kuwunikanso kwakukulu kapena kutayika kwakukulu pamtengo. Kupatula masabata angapo apitawa pomwe ikupita ku ma 3,50 euros atataya pafupifupi gawo limodzi la yuro munthawi yochepa kwambiri.

Pakadali pano, titha kunena kuti phindu la bankiyi ndilokhazikika kuposa BBVA. Panthawi yomwe gawo la mabanki silili m'malo abwino chifukwa limalangidwa kwambiri chifukwa cha chiwongola dzanja chochepa m'dera la euro, zomwe zawononga zotsatira zake zamabizinesi. Ofufuza zachuma amaganiza kuti zitha kutsika mpaka ma 3,20 mayuro pomwe ungakhale mwayi weniweni wamabizinesi. Ndikuthekanso kuwunikiranso komwe kuyenera kuwerengedwa kuti ndibwino kwambiri.

BBVA yataya 50%

Chinthu china chosiyana kwambiri ndi zomwe zikuchitika ku BBVA ndipo sizinasiye kugwa popeza zidagulitsidwa pamiyeso pafupifupi 9 euros zaka zingapo zapitazo. Munthawi imeneyi, 50% yamtengo wake wamsika wamsika wasiya panjira. Pogulitsa pafupifupi ma 4,50 euros ndikuyandikira yomwe amapikisana nayo. Ma Margins afupika ndipo izi zikutanthauza kuti BBVA itha kukhala yopindulitsa pakatikati komanso kwakanthawi. Osati pachabe, ndi umodzi mwamikhalidwe yomwe yakhala ikuyenda bwino kwambiri mu Ibex 35.

China chomwe chamuchitira ndi nkhani zoweruza milandu zomwe amatha kumizidwa chifukwa cha milandu yachinyengo yomwe idakhudza utsogoleri wakale. Ndipo izi mosakaika zimatsutsana ndi zomwe bungweli limachita mumisika yazachuma. Kupitilira kupezeka kwa misika yomwe ikubwera kumene, monga Mexico ndi Turkey, zomwe sizinapereke zotsatira zabwino kuchokera kwa omwe amagulitsa ndalama. Komwe ndalama zogulitsa zikukakamira wogula. Ngakhale ilinso ndi kulemera kwenikweni kubanki yaku Spain.

Zopindulitsa kwanthawi yayitali

Mabanki onse ogulitsa amagwirizana pa chinthu chimodzi ndikuti mavuto akamagulu amabanki akathetsedwa ndipo chiwongola dzanja chikukweranso, atha kuchita bwino kuposa malingaliro ena onse azosankha zaku Spain. Koma zimatha kutenga miyezi yambiri kapenanso zaka kuti izi zichitike. Chifukwa mabanki awiriwa akhala akutsika bwino kwa miyezi ingapo ndipo zidzafunika kuyesetsa kuti atuluke. Ngakhale ali mgulu loyang'aniridwa bwino komanso kuchokera pano atha kukhala mwayi wamabizinesi wokonzanso ndalama kuyambira tsopano.

Alinso otsika mtengo pamtengo wawo ndipo chabwino chomwe ali nacho ndikuti ali ndiulendo wochepa wotsika kale. Kuchokera pano ndizofunika kugula kuposa kugulitsa. Ngakhale ziwopsezo zomwe zimachitika pantchito zawo, makamaka munthawi imeneyi, zomwe sizabwino kwenikweni kubanki. Komwe kwakanthawi kochepa amatha kupitilizabe kugwa ngakhale mwamphamvu, monga zachitika chilimwechi. Mulimonsemo, sipadzakhalanso chosankha koma kuziyika pa radar kuti muwone nthawi yoyenera kutsegula maudindo. Ndi kusinthasintha komwe kwakhala china mwazomwe zimadziwika m'miyezi yapitayi.

Ndi capitalization yayikulu komanso komwe tsiku lililonse maudindo ambiri amasunthira ndikusintha kuchokera dzanja limodzi kupita kwina. Mwa kuyankhula kwina, ali ndi ndalama zambiri, imodzi mwapamwamba kwambiri mu Ibex 35. Koma zitha kukhala kuti mpaka izi zitachitika tiyenera kudikirira miyezi yambiri kapena zaka.

Kuyerekeza m'mabanki onse awiri

Ponena za Banco Santander, mkati mwa theka loyamba la chaka, malire anali 17.636 mayuro miliyoni, 4% kuposa nthawi yomweyo ya chaka chatha, pomwe ngongole ndi ndalama za kasitomala idakula 4% ndi 6%, motsatana, muma euro osasintha (ndiye kuti, kupatula zovuta zakusinthana). M'gawo lachiwiri, banki idakulitsa makasitomala ndi miliyoni imodzi, pomwe Santander tsopano ikugwira 142 miliyoni, kuposa banki ina iliyonse ku Europe ndi America.

Ntchito zonse zamagetsi zaphatikizidwa mgulu latsopano la Santander Global Platform kuyendetsa njirayi. Kutengera kwapa digito kukupitilizabe kukula mu semester ndipo pali makasitomala 34,8 miliyoni omwe akugwiritsa ntchito kale ma digito wa Santander. Pafupifupi, makasitomala a 240 amalowa m'modzi mwama foni kapena banki pamphindi iliyonse, zomwe zikuyimira kuwonjezeka kwa 28% m'miyezi 12 yapitayi. Komwe, mbiri yangongole idapitilirabe patsogolo, ndikuchepetsa kuchuluka kwaumbanda kwa mfundo zoyambira 11 mu kotala, mpaka 3,51%, pomwe mtengo wa ngongole udakhazikika pa 0,98%.

Mtengo pakukonzanso

Ponena za kuchuluka kwa ndalama, CET1 tsopano ili pa 11,30%, maziko 50 kupitilira chaka chapitacho, ndipo Santander idakhalabe imodzi mwamabanki opindulitsa kwambiri komanso othandiza padziko lonse lapansi pakati pa anzawo, ndikubwezera ndalama zowoneka bwino (RoTE) za 11,7%, ndi chiŵerengero chokwanira cha 47,4%. Kutsatira kuchuluka kwa ndalama zokwana 108 miliyoni zomwe zalengezedwa mgawo loyamba, banki yalemba chindapusa chatsopano cha 706 miliyoni kotala yachiwiri, makamaka pamtengo wa kukonzanso komwe kudakonzedwa ku Spain ndi United Kingdom (626 miliyoni), ndi zina zowonjezera inshuwaransi yoteteza kulipira (PPI) ku United Kingdom (mayuro 80 miliyoni).

Milanduyi idapangitsa kugwa kwa phindu lotheka m'gawo lachiwiri la 18% pachaka, mpaka ma euro 1.391 miliyoni. Kupatula zolipiritsa izi, kotala yachiwiri phindu wamba linali 2.097 miliyoni za euro, 5% kuposa kotala lomweli la chaka chatha: phindu lapamwamba kwambiri pamakota onse kuyambira 2011, lotsogozedwa ndi kuchuluka kwakongole ku Latin America, kupitilirabe phindu ku North America monga komanso mtengo wotsika ku Europe.

Zotsatira za BBVA

Ponena za BBVA, idapeza phindu lokwanira ma 2.442 mayuro mpaka kotala yachiwiri ya 2, yomwe ikuyimira kusiyanasiyana kwa -2019% poyerekeza ndi nthawi yomweyi ya chaka chatha, monga momwe kampaniyo idanenera ku National Securities Market Commission ( CNMV). M'kalata, banki idalongosola kuti zotsatira zake zayambika chifukwa cha kuwonongeka kwakukulu kwachuma, zomwe zikuchitika chifukwa chakusowa kwakukulu ku United States, Mexico ndi Turkey, makamaka kotala yoyamba.

Komabe, CEO wa banki, a Onur Genc, ​​adawonetsa "zotsatira zabwino" zomwe bankiyi idapeza m'gawo lachiwiri la chaka, nthawi yomwe phindu lidafika 1.278 miliyoni. Pazaka ndi chaka, phindu la kotala lililonse linali 2,6% yowonjezera kuphatikiza BBVA Chile, yomwe idagulitsidwa ndi bungweli mu Julayi 2018, ngakhale osaganizira othandizira ku Chile, zotsatira zake zikadakhala 6%. Mumadongosolo omwe akhumudwitsa gawo labwino la osunga ndalama omwe asankha kusintha maudindo pamtengo uwu wosankha ndalama zamayiko, Ibex 35.


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  1.   Juan anati

    Banki ya Santander ndiyabwino