Wobanki amabweza phindu

bankinter

Bankinter ndi m'modzi mwa omwe akuyimira banki yapakatikati Izi zili ndi malingaliro abwino ochokera kwa akatswiri osiyanasiyana azachuma. Mpaka kuti itha kukhala ndi kuthekera kowunikiranso kwambiri kuposa komwe kumapangidwa ndi mabanki akulu aku Spain. Monga imodzi mwazomwe mungasankhe kuti mulowe nawo gawo lazachuma zazing'ono komanso zapakati kuyambira pano Kupitilira pazowunikiranso zina zaukadaulo komanso mwina kuchokera pakuwona kwake.

Pakadali pano magawo a gulu lazachuma ali m'magulu omwe apangidwa pakati pa 7 ndi 8 euros. Ngati kukana komaliza kumeneku kupitilira, sikungaganizidwe kuti mwina kumatha kufika mpaka mayuro 10, ngakhale kuti nthawi iyi ikulunjika pakatikati komanso patali. Chifukwa sichitha kuyiwalika kuti imizidwa munthawi yoyipa yomwe mabanki akudutsa mumisika yachuma. Mwanjira imeneyi, Bankinter sangakhale wosiyana nayo. Kudzakhala koyenera kuyembekeza kuti pamapeto pake gawo lino likhala ndi magwiridwe antchito abwino kuti litsegule maudindo pamtengo uwu wosankha msika wamsika waku Spain, Ibex 35.

Ngakhale zili choncho, ndikofunikanso kuwunika kuti mtengo wamagawo ake umachokera kumagulu otsika kwambiri kuposa momwe amawonera pakadali pano. Chifukwa chake, muyenera kukhala osamala pang'ono musanalowe m'malo awo chifukwa zoopsa pantchito amapezeka nthawi zonse komanso makamaka m'miyezi yovutayi pamsika wamsika waku Spain makamaka makamaka kubanki. Chimodzi mwazomwe zidachita zoyipa kwambiri kuyambira 2017. Izi ndizosiyanasiyana zomwe ziyenera kuganiziridwa musanapange chisankho, munjira ina. Ndi chifukwa chake pamakhala zifukwa zina.

Zotsatira za Bankinter

Ndalama zonse za Bankinter zidafika 526,4 milioni ya euro mu 2018, 6,3% ochulukirapo munthawi yomweyo chaka chatha. Bungweli lapeza manambalawa chifukwa chazogulitsa zomwe zimachitika mobwerezabwereza komanso "ndimphamvu zake zazikulu: phindu, kusungunuka komanso chuma, m'malo otsogolera magawo" Izi ndizofunikira zomwe zidatumizidwa ku National Market Commission of Securities ( CNMV).

Momwe Bankinter adanenanso kuti phindu lonse la kampaniyo kumapeto kwa chaka chatha lidali pa 526,4 miliyoni, ndipo Pindulani musanapereke msonkho mu 721,1 miliyoni, zomwe zikuyimira kuwonjezeka kutengera chaka chapitacho cha 6,3% ndi 6,5%, motsatana. Mwanjira iyi, gulu lazachuma ili linatseka 2018 ndikukula m'mizere yonse. Ndalama za chiwongola dzanja chonse zimatha 2018 pa 1.094,3 miliyoni euros, zomwe ndi 5,8% kuposa zomwezo chaka chapitacho.

Mabizinesi osamala

zotsutsana

Zotsatira za Bankinter Group zimakhazikitsidwa kwathunthu pamabizinesi amakasitomala, zomwe zimawapangitsa kukhala okhazikika mtsogolo. Bankinter yaphatikiza pazaka zingapo zapitazi njira yopezera ndalama m'mabizinesi okhwima komanso chotsutsana ndi mabizinesi atsopano omwe aphatikizidwa ndipo omwe ali ndi chiwongola dzanja chokulirapo, chomwe chalola chitukuko chokhazikika cha chonse.

Ndalama zomwe mizere yonseyi yapereka kumalire a banki zasintha mzaka zaposachedwa ngati ntchito yakuwonjezera kwamabizinesi atsopanowa, monga Bankinter Portugal kapena bizinesi yamakasitomala. Mzere womwe umapereka ndalama zochulukirapo pamalire onse ukupitiliza kukhala Business Banking, ndi 30%.

Kupyola malire athu

Komanso, a mbiri yangongole Bizinesi iyi yakhala ikukula kwakanthawi komwe kwapangitsa kuti chaka chitseke pa 24.000 miliyoni, pomwe 22.600 miliyoni imafanana ndi mbiri yamakampani obwereketsa ku Spain, omwe akuimira 3,2% kuposa chaka chapitacho, pomwe gawo ngati Zonse zatsika ndi 5,1%, malinga ndi zomwe zidachitika mu Novembala kuchokera ku Bank of Spain.

Ntchito zogwirira ntchito komanso maubwenzi zakhala zikulemera m'makampani a Corporate, pomwe makasitomala amapatsa banki gawo lochulukirapo lazosowa zawo zachuma. Izi zikuwonetsedwa, mwachitsanzo, mu kukula kwa ndalama zolipira, zomwe zikuyimira 18% zochulukirapo mchaka. Momwemonso, kulumikizana kwakukulu kwamakampani ndi banki kwadzetsa zotsatira zabwino chifukwa cha ntchito zapadera monga Investment Banking kapena International Business, yomwe imapanga kale 27% ya malire onse a bizinesi ya Company komanso komwe Bankinter lero ndi chizindikiro chodziwika pamsika.

Magawano mu mbiri yakubanki

Commercial Banking, kapena ya anthu, ndiye mzere wachiwiri wabizinesi ya banki potengera zopereka zake kugawo lakutali, ndi 28% yathunthu. Mkati mwa bizinesi iyi, gawo la Banki Yabizinesi, lomwe limalumikiza makasitomala ndi chuma chambiri, latsimikizira kukhala lolimba m'malo ovuta kwambiri. Kumapeto kwa chaka, katundu woyendetsedwa ndi makasitomalawa adafika pa 35.600 miliyoni, zomwe ndi 2% kuposa chaka chapitacho, ngakhale kuchepetsedwa kwa mayuro 2.500 miliyoni opangidwa m'mabwalo chifukwa chamsika. Kuphatikiza apo, banki yatenga ndalama zokwana mayuro 3.100 miliyoni kuchokera kwa makasitomalawa, poyerekeza ndi 2.800 ku 2017.

Gawo lalikulu la bizinesi iyi ndi gawo la Banking Yanu, yomwe idatha chaka ndi ndalama zokwana 21.600 miliyoni za euro, 2% zochulukirapo ngakhale zili ndi msika zomwe zachepetsa phindu la mbiriyo ndi mayuro 1.000 miliyoni. Mtengo watsopano womwe udalandidwa pakati pa makasitomala awa ku 2018 unali 1.400 miliyoni. Kuchita bwino kwa zinthu kumakopa makasitomala atsopano, monga akaunti yakulipira ndi ngongole zanyumba m'njira zake zosiyanasiyana.

Chifukwa chake, mbiri yamaakaunti amalipilo kumapeto kwa chaka idayima pa 8.317 miliyoni, zomwe ndi 22% kuposa 2017. Pazanyumba zanyumba, kuchuluka kwazinthu zatsopano mchaka chinali 2.532 miliyoni ya euro, 11% kuposa mu 2017, pokhala 30% ya ngongole zanyumba izi pamlingo wokhazikika.

Kampani ya inshuwaransi yolumikizidwa

inshuwalansi

Direct Line ndiye Mzere wachitatu wa bizinesi potengera zopereka kubanki yayikulu, ndi 22%. Kuchuluka kwa mfundo kapena zoopsa zomwe inshuwaransi iyi yakwaniritsa zafika ku 3,01 miliyoni kumapeto kwa chaka, zomwe ndi 7,9% kuposa 2017. Malipiro oyendetsedwa mu 2018 adakwana 853,1 miliyoni, 7% kuposa chaka chapitacho, ndi Kukula kwamapulogalamu oyendetsedwa ndi Magalimoto a 5,3% poyerekeza ndi avareji ya 2,4% pagawo; ndi 12,4% ochulukirapo pamalipiro apanyumba, poyerekeza ndikukula kwakachulukidwe ka gawo mu 3,2% iyi, ndi data kuyambira Novembala. Chiwerengero chophatikizika cha bizinesi iyi chimakhala 87,3% kumapeto kwa chaka, ndipo ROE ndi 38%.

Ponena za Bizinesi yamakasitomala, yogwiritsidwa ntchito kudzera mu Bankinter Consumer Finance, mbiri yamakasitomala pano idapitilira 1,3 miliyoni, 18% kuposa kuchuluka komwe kudalipo chaka chapitacho. Zochita zamabizinesi azogulitsa zakhalabe zoyenda bwino chaka chonse, ndi ndalama zokwana 632 miliyoni za mayuro m'malipiro atsopano omwe akuyimira 46% ya chiwerengerocho mu Disembala 2017.

Mbiri yogulitsa mabanki

chikwama

Ponena za mbiri yazandalama, idatseka chaka ku 2.000 miliyoni miliyoni, ndikukula kwa 34% poyerekeza ndi kuchuluka komweko chaka chapitacho. Ponena za Bankinter Portugal, yomwe ndi bizinesi yomwe yaphatikizidwa posachedwa muzochita za banki, idatseka 2018 yopambana pamitu yake yonse, ndikukula kwamitundu iwiri zonse m'zinthu, 17% kuposa mu 2017, komanso kubweza ngongole, kufika pamtengo wa 5.400 miliyoni, 12% kuposa chaka chapitacho, ndikukula kwa mbiri yamabizinesi azamalonda ndikofunikira kwambiri: 42% yochulukirapo.

Momwemonso, masamba onse a akaunti ya Bankinter Portugal akuwonetsa kukula chimodzi kukula kwakukulu: 13% ochulukirapo pazopeza zachiwongola dzanja, 14% yochulukirapo, ndi 73% pamwamba pa 2017 m'mphepete mwa ntchito. Ndi zonsezi, phindu lisanaperekedwe msonkho wa ntchitoyi likuwombera mpaka 60 miliyoni, 92% kuposa yomwe idapezeka mu 2017. Monga chidziwitso chakuwunikira ngati banki yaku Spain iyi ingakhale mutu wazomwe timachita pamsika wamsika.

Gawo lalikulu la bizinesi iyi ndi gawo la Banking Yanu, yomwe idatha chaka ndi ndalama zokwana 21.600 miliyoni za euro, 2% zochulukirapo ngakhale zili ndi msika zomwe zachepetsa phindu la mbiriyo ndi mayuro 1.000 miliyoni. Mtengo watsopano womwe udalandidwa pakati pa makasitomala awa ku 2018 unali 1.400 miliyoni. Kuchita bwino kwa zinthu kumakopa makasitomala atsopano, monga akaunti yakulipira ndi ngongole zanyumba m'njira zake zosiyanasiyana.


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