Kana paine chengetedzo yakanyorwa pamusika wemasheya inochengetedza hunyanzvi hwehunyanzvi, zviri pachena kuti Banco Sabadell. Mutengo waro watora zvine njodzi kutendeuka uye parizvino iri kutengesa pazasi peyuniti yuniti. Mumashure ekutengesa zvikamu hapana zvakaderera pane a 10% yehuwandu hwako muhomwe. Kusvika padanho rekuti rakapedzisira rave kuyera chikamu chese chemabhengi zvakajairika. Nekuderera kweBBVA, Santander, Bankinter, Bankia uye zvakare madiki emabhanga emunyika. Mune izvo zvakaumbwa seyakaipisisa chikamu kusvika parizvino gore rino.
Icho chokwadi chekuti parizvino chiri kutengesa pazasi peyuro imwe chaizvo iri mamiriro ane njodzi. Nekuti makambani akanyorwa ari mumamiriro ezvinhu aya kashoma kubuda padanho iri mumutengo. Mune mamwe mazwi, zvakaoma kwazvo kwavari kuti vataure pamusoro peeuro zvakare, sezvakaratidzwa munguva pfupi yapfuura neine ruoko rwakatsetseka rwezvikamu mumusika weSpanish unopfuurira. Nengozi iri pachena ye gara wakamira kwenguva yakati rebei kana shoma. Chero zvazvingaitika, iwo haasi iwo anodikanwa mazano ekuvhura zvigaro kubva zvino zvichienda mberi.
Iko kunokonzeresa kweiyi mamiriro asina kusimba paBanco Sabadell kwave kuri kwayo kwakashata bhizinesi mhedzisiro mugore rapfuura, 2018. Ivo havana kugutsikana nevamiriri vakasiyana vemari uye nekuda kweichi kugona, kumanikidzwa kwekutengesa kwaiswa kune mutengi. Kunyangwe hongu, uine kusimba kusingajairiki mune izvi zviitiko uye izvo zvakatungamira kune avo masheya ave akasiiwa asiri pasi pe7% mune imwechete yekutengesa chikamu. Iine yakajeka uye yakanangana nekukanganisa kune zvimwe zvivigiro zvinoumba iro rine simba Spanish bhangi chikamu.
Sabadell: mhedzisiro isina kusimba
Icho chokwadi chekuti parizvino, migove yebhanga iri rakakosha iri pamitengo iri pakati pe0,80 ne0,90 euros inokonzerwa nekuburitswa kwebhizimusi mhedzisiro yaro muna2018. Mune iro Bhangi reboka Sabadell rakavhara gore ne mambure ekuti purofiti ye 328,1 mamirioni euros, mushure mekupedza kutama kweTSB uye kupedzisa kuchenesa kweiyo bhezari sheet, iyo yakave nemhedzisiro imwe kure kwehuwandu hwe637,1 miriyoni euros. Pasina kutora zvinhu izvi zvinoshamisa mukufunga, mambure purofiti kukura iri 9,6% gore-ne-gore, kusvika 783,3 mamirioni euros kumagumo.
Nezve iyo bhizinesi bhizinesi (chikamu chekufarira + net commissions) chinoratidza kusimba kwebhizinesi, pamwe nekuwedzera kwe4,1% gore-ne-gore uye kukura kwe2,4% mukota yekuenzanisa. Padanho reboka, iro gore-gore-gore kukura i2,9%. Kune rimwe divi, iyo mambure yemari yemari yakamira pamamirioni emamirioni 3.675,2 pakupera kwe2018 nekukura kweiyo chete 0,7. Pasina TSB, iyo mambure emari yemari inosvika 2.675,5 mamirioni euros uye inomiririra kukura kwe1,1% gore-pagore uye nekota, inotungamirwa nekukura kwevhoriyamu.
Zvakaipa zvakatorwa nevatengesi
Aya maakaunzi egore negore anga asina kutambirwa zvakanaka nevamiriri vemari vakasiyana. Kana zvisiri, pane kudaro, ivo vakashanda mukunyanyisa kugadzirisa zvigaro mukutarisana nemamiriro ezvinhu akaomesesa padivi rebhengi iri rakabatanidzwa mune yakasarudzika indekisi yeSpanish equities, iyo Ibex 35. Iko chokwadi chekuti iri kurasikirwa nekuvimba pakati vatengesi. Kusvika pakuti vamwe vaongorori vezvemari vakafananidza mamiriro avo neayo e Banco Popular. Kunyangwe chingave chiri chirevo chisina hanya mumamiriro azvino mamiriro.
Kune rimwe divi, hazvigone kukanganwika kuti vagovani veiyi bhanga renyika varasikirwa mumwedzi gumi nematatu yekupedzisira ingangoita 45% mukukosha kweiyi kukosha kwemusika wemasheya. Iyo imari yakawanda yakabuda mune pfupi pfupi nzvimbo yenguva, kupfuura izvo zvinogona kurasikirwa kubva panguva dzino chaidzo. Nekuti zvirizvo, kune atovepo mamwe emari vamiririri ayo akakoshesa yavo yemitengo yemitengo pamatanho e0,50 uye 0,60 euros. Chingave chiiko chitsva chakasarudzika chikamu icho chingasiya vazhinji vadiki nepakati varimi vanobatwa
Kugovera kwemugove
Izvo zvaziviswawo mazuva ano kuti bhodhi revatungamiriri rakabvumidza kugoverwa kwemubhadharo wemari inowirirana ye0,01 euros pamugove, kuwedzera kune yakatotengeswa kare 0,02 euros pamugove. Pakazara, 0,03 euros pamugove, unomiririra a kubhadhara 50%. Mupfungwa iyi, migove yebhanga iri inoenderera kuve imwe yeinobatsira kwazvo maererano nemubhadharo uyu kune iye wekugovana. Kunyangwe kudzikiswa kwakaitika mune ino yekutsinhana kwekubhadhara mari uye izvo zvichaitika mumwedzi iri kuuya. Mukuenderana nezvinangwa zvekuchengetedzwa kwakasara zvakanyorwa pamusika weSpain equity.
Iyo yakave zvakare yakakanganisa Banco Sabadell kubatanidza iyo mashandiro muMexico kusimbisa bhizinesi rako muCentral America nyika. Chero zvazvingaitika, iko kuvhiya kunoratidza mibairo yakanaka yesangano muMexico, iro rinoramba richipfuura kukura kwaro kutarisira gore negore, kuvhara 2018 nekuiswa pamusoro pe37% zvine chekuita nezvakabuda gore rapfuura, 2017 uye inoratidza inofungidzirwa kutora kwe316% kana ichienzaniswa na2017.
Bounces mumwedzi mishoma inotevera
Chero nzira, zvinokwanisika kuti mumavhiki anotevera kana kunyangwe mwedzi unogona kukura mabhureki eimwe simba. Semhedzisiro yeiyo rova kuti yakagadzira uye kuti yaizoenderana nekugadzirisa izvo zviripo kupa uye kudiwa mune kwayo kuchengetedzeka. Kunze kwekumwe kufunga kwehunyanzvi uye kunyangwe kubva pakuona kwezvaanoreva zvakakosha. Nekuti zvirizvo, zvakajairika kuti rebound zviitike mumazuva mashoma anotevera, uye zvehukuru hwakasimba, asi pasina kukanganwa kuti maitiro epasi peiyo kukosha ari pachena pasi.
Chero bedzi isingakwanise kudzoreredza yuro yuniti, zvichave zvakaoma kwazvo kuti ive chengetedzo inobatsira kubva ikozvino. Hazvishamise kuti zvinofanirwa kuyeukwa kuti kusvika nguva pfupi yadarika yaitengesa pamatanho e 2 kana matatu euros pamugove. Kubva padanho, hazvigone kutaurwa kuti zvikamu zveBanco Sabadell zvakachipa. Kwete zvakati wandei, kana zvisiri izvo zvinopesana nemutengo uri kutaurwa nemisika yemari panguva ino. Kunyangwe kusahadzika kusiri kubatsira iyo yakanyorwa kambani kugadzikana mumitengo yayo. Pane zvinopesana, ivo vari kugogodza pasi rutsigiro mushure mekutsigirwa.
Mamiriro akashata emabhangi
Mukati mezwi rakaipa rebato rakakosha rebhengi, kana chishuwo chako chiri chekuisa mari muchikamu ichi, une zvimwe zvingasarudzika zvingave zvinonyanya kunakidza panguva ino. Mupfungwa iyi, iyo Banco Santander ndeyekuti hunhu hwakanakisa huri kusimukira mazuva ano uye kunyangwe ichidzika tsika. Iyo inofamba mune imwe nhanho inoenda kubva ku4 kusvika ku5 euros pamasheya. Asi kune rimwe divi, iri iro rezvemari riri kuratidza kushomeka kushoma mukuenderana kwemitengo yaro. Pasina kusvika pamatanho ekudonha ayo Sabadell naCaixabank vakaratidza mazuva ano.
BBVA, yechikamu chayo, ine chakakosha dhisikaundi mumutengo wayo semhedzisiro yekudonha kwayo kwakakurumbira uye izvo zvakatungamira kuti iparadze rutsigiro rwakasimba rwayo mu5 euros. Kusvika padanho rekuti kukosheswa kwaro pamusika wemasheya kwave kuenzaniswa neyaanokwikwidza nawo, iro sosi inotungamirwa naAna Patricia Botín. Panguva iyo new kugadzirisazve chikamu chebhengi. Nezvinogona kuwanikwa izvo zvinogona kukurudzira kusagadzikana kukuru kuti kuitike pakati pevamiriri vese vebazi.
Mirira usati watora zvinzvimbo
Tichifunga nezvechiitiko ichi, zviri nani kuti uri kunze kwemusika kana kuti chikamu chebhangi. Hazvishamise kuti pachine kushamisika kusiri iko kwekuonekwa uko kunogona kukuita iwe kurasikirwa nemari yakawanda munzvimbo dzakashama. Zvinokurudzirwa, saka, kumirira pamberi pekuti ungatenge kubva mimwe mitengo yemakwikwi pane izvo zvinoratidza munguva dzino chaidzo. Nemadhora ayo anogona kutosvika gumi muzana muvhareji yenguva yemwedzi mitatu kana mitanhatu. Iwe haufanire kutarisira zviitiko uye kungwara kuchave kuwedzerwa kukosha panguva ino.
Izvo hazvigone kukanganwika kuti chikamu chebhangi kazhinji chiri kuve chinonyanya kushandira pakutanga kwegore. Kunyangwe ino nguva, kubva pane yakasarudzika maonero iwe yausingakwanise kutora kubva kukudziridza chero inomanikidza nzira yekudyara. Hazvishamise kuti pane zvakawanda zvaunogona kurasikirwa munzira uye zviri nyore kuti iwe uzviise mukufunga izvozvi. Senzira yekudzivirira kurasikirwa mune ako ekuchengetedza portfolio pakupera kwegore. Kunze kwekumwe kufunga kwehunyanzvi uye kunyangwe kubva pakuona kwezvaanoreva zvakakosha. Nekuti zvirokwazvo, zvakajairika kuti rebound zviitike mumazuva mashoma anotevera, uye zvehukuru hwakasimba.