Ibex 35 yakavhara nekudonha, zvichipesana nekukwira kwemimwe misika mikuru muUnited States neEurope, mushure mekugashira kunotonhora pamusika wemasheya pachibvumirano che mubatanidzwa pakati pePSOE nePodemos. Bankia ndiyo yakanyanya kukosha uye inosiya 4,55%. Panguva yakakosha yekusimudzira kwayo mukati memisika yemari, uye inogona kutungamirwa kune imwe nzira kana imwe, zvinoenderana nematanho anogona kukura kubva zvino zvichienda mberi. Mukati mechikamu chisiri kuenda panguva dzakanakisa, sezvakaonekwa mumwedzi ichangopfuura.
Kune rimwe divi, kune akateedzana ematokisi emari ayo anogona kukuvadzwa zvakanyanya mubhizinesi ravo nehurumende inogona kuruboshwe muSpain. Ehezve, imwe yemapazi aya kubhengi, kunyanya Bankia. Sezvo iyo Unidos Podemos chirongwa ichifungisisa kuti icho chinhu che muridzi wevanhu uye ichi chokwadi chinoita iyi yeimwe yehunhu huri kudonha zvakanyanya mumisika yequity, ichisiya dzakatenderedza 2% yekukosha kwayo.
Kure kure inguva dzandaive munzira yekuwana iyo nhanho pa4 euros chiito. Asi yakave nekudzokazve kwakakomba uye inotsigirwa neese mabhengi chikamu uye chimwe chechikonzero chakajeka chekuti zvikamu zvayo zvadzikire neinosvika makumi mana muzana mumwedzi gumi nembiri yapfuura. Uye parizvino iri kunetsekana kugara padhuze nematanho emauro maviri pashare, pasina kutsigirwa netarisiro yeyayo chikamu uye pamwe nekusvika kwedambudziko rehupfumi. Kusvika pamwero iyo iyo inogona kuongorora mune kurasikirwa iyo iyo yatove yakwanisa kuratidza mumitengo yayo.
Chinangwa: iyo 2 euros
Parizvino, Bankia masheya ari kutengesa akatenderedza iyo 1,73 euros, imwe yematanho akadzika kwazvo mumakore apfuura. Kusvika padanho rekudzima iyo mibairo yemari yaive yawanikwa pakati pa2015 na2018.Kana kukosha kwakakosha uku kwave kugadzirwa, chinangwa ndechekudzokera kumatanho emairi euros uye kubva kwainogona kufunga nezvezvimwe zvinangwa zvakanaka. Chero zvazvingaitika, hapana chivimbo chakanyanya pachikamu chevashambadzi vadiki nepakati kuti vasvike ichi chinangwa, icho chinoratidzika kunge chiri kure kupfuura mune mimwe mwedzi. Kana uchipinda mune yakadzika mweya iyo ichiri kushanda uye iyo inogona kupa zvakawanda zvekushamisika kubva zvino zvichienda mberi.
Ichiri kune rimwe divi, inopa chikamu chinowirirana nezvimwe zvikwereti zvikwereti. Kunyangwe runyerekupe rweminiti yekupedzisira rwuchiratidza kuti inogona kudzikiswa mumavhiki anotevera nemazano akaitwa kubva ipapo European Central Bank (ECB). Icho chokwadi chekuti, kana zvikaitika, zvinogona kutanga imwe tsika yekudzikira inogona kutotora mitengo yavo kumatanho ari muyuniti yuro. Takatarisana nemamiriro ezvinhu akadaro, hazvishamise kuti chikamu chakanaka chevashambadzi vadiki nepakati vakasarudza kusiya zvigaro zveiyi kukosha mune ine simba yeSpanish stock market chikamu. Panguva yekuita yako investments muSpanish equity misika, chimwe chezvinhu iwe chaunofanirwa kuita kusaisa mari seizvozvo nekuti.
Kugadziriswa kumatekinoroji matsva
Kune rimwe divi, chimwe chezviitiko zvakakosha chinokanganisa chino chikwereti ndicho chinongedzera kuchokwadi chekuti chingave chimwe chehunhu hwakanyanya pamatanho matsva ehurumende yekuruboshwe. Uye ichi ndicho chimwe chezvikonzero zvikonzero nei zvishoma kudarika 5% zvasara muzvikamu zviviri zvekutengesa, zvichitungamira kuwira mukati mechikamu. Hazvishamisi kuti, inoremerwa kwazvo nezvose zvinomirirwa nevemabhengi panguva ino, chimwe chevasina kusimba mukati meIbex 35. Kusvikira pakuomesesa kushanda mukuita kwayo sezvo zvivimbiso zvekubudirira zviri zvishoma mukati chido chekuita mari inobatsira kubva ikozvino.
Mune imwe nzira, Bankia's mobile application yakazvimisikidza seyechitatu kushandiswa zvakanyanya muchikamu chezvemari, nepo ichi chiri icho chinonyanya kukura pakati pevechidiki vari pasi pemakore makumi maviri nemashanu ekuberekwa, sekureva kweMobile Performance Index yakagadzirirwa neSmartme Analytics . Kunyanya, iko kunyorera kweBankia kwakakwanisa kuvhara chikamu chechitatu chegore nekukosheswa kwemapoinzi makumi matanhatu nematanhatu uye kuzvisimbisa mu 'top 25' yebazi rezvemari reSpanish. Sekureva kweshumo uyu, iyo Bankia app yakakwira ingangoita 62,4% mukota yechitatu ichienzaniswa neyechipiri, ichibva kubva ku3 poindi kuenda ku30.
Chii chingaitwe?
Tatarisana nemamiriro ezvinhu aya anounza kukosha kweiyi chikamu chebhengi, vazhinji varimari vadiki nepakati varimi vari kufunga marongeroi avanogona kuita panguva ino. Imwe yemaitiro anogona kushandiswa kuita kuti capital iiswe mari ndeyekumirira kuti mapopoma adzike kuti atore zvinzvimbo muzita rako sezvo mukana wekudzokorodza uchinge wakafara kupfuura izvozvi. Kunyanya kana hwaro hwekutanga hwakamisikidzwa pamatanho emairi euros pamugove, inova ndiyo yakapihwa nenhamba yakanaka yevaenzanisi vemusika vanoongorora. Kune rimwe divi, hazvigone kukanganikwa kuti ino kiredhiti institution inogona kuve nesimba rakanyanya kuita kana mitengo ikadzika zvakanyanya mumazuva anotevera. Kufanana senge sarudzo yevarimi vane huwandu hwehasha.
Nepo kune rimwe divi, zvakare iri nguva yekukanganisa kuti zvikamu zvinogona kutengwa panguva iyo kuramba kwechimwe kukosha kwakapfuudzwa. Pakati pezvimwe zvikonzero, nekuti mazinga ekubatsira anogona kupfuudzwa kune iwo anofungidzirwa enguva idzi nekuda kwekuti vane nzira yakajeka kumberi uye kunyange kuona kupokana kutsva munzira. Chero bedzi iko zvinoitika yemisika yemari ichibvumira kubva zvino zvichienda mberi. Mune izvo zvinoumbwa muchirongwa chinoda humwe hunyanzvi pachikamu chevashambadzi vadiki nepakati. Zvekuti nenzira iyi, kumwe kudzoka kunogona kuwanikwa gore rega rega mukushayikwa kwemubairo kubva kumabhangi zvigadzirwa uye zvigadzirwa zvemari yakatarwa. Semuenzaniso, yakatarwa-term dhipoziti kana yemakambani zvisungo zvisingatombosvika 1% mune akanakisa kesi.
Kune rimwe divi, chokwadi chekuti Bankia ndechimwe chekuchengetedzwa nekuita kwakaipisisa mumakore achangopfuura chakakosha. Kubva kuma3 euros kwayanga ichitengesa makore mashoma apfuura uye kubva kwavakatanga basa remubhedha rakavatora kuenda kumatanho azvino equotation. Muchirevo chechinyorwa ichi, hapana akawanda tarisiro yaunofanirwa kuisa mune iyi kukosha sezvo iyo iriko yekutengesa iri kuzvimanikidza neimwe simba kumutengi. Uye izvo zvakatungamira kune izvozvi zvinzvimbo zvakaiswa mune inoitika mamiriro. Iko kwaunenge uine zvakawanda zvekurasikirwa pane kuhwina uye izvi zviri pakupera kwezuva izvo zvinobatanidzwa mune idzi dzakakosha kesi. Kunze kwenhau dzinogona kugadzirwa kubva zvino zvichienda mberi.
Bankia inowedzera chikamu chekufarira
Mugumisiro moyo, iro rakachenesa kubhengi, rasvika 946 mamirioni euros, 0,7% kupfuura gore rapfuura. Iko iko kuwanda kwemari kunogadzirwa pamusoro pe12% CET1 zvakazara zvakazara kubvira 2018 inosvika mamirioni 1.280, zvinoenderana nechinangwa chemamirioni 2.500 eiyo Strategic Chirongwa. Yechikamu chechitatu chakateedzana, iyo yese isinganetseke chikwereti chikero chakakura uye chakapfuura 107.200 bhiriyoni euros. Huwandu hutsva hwechikwereti chemogeji hwakawedzera ne1,3% kusvika munaGunyana mune muyero wepakati. Zvinoonekwa kuti huwandu hweNPAs (husina chokwadi uye hwakafungidzirwa) hwadzikira nemamiriyoni gumi nemazana mana kusvika parizvino gore rino, nepo hutsotsi hwadzikira kusvika pa1.400%.
Kune rimwe divi, zvinotsigirwa kuti mwero wekuwana mutengi kuwanikwa kuri kuwedzera uye, mumwedzi gumi nembiri, hwaro hwakawedzera nevanhu zana nemazana masere (mazana masere muzana), nepo nhamba yevatengi vane mari yakwira ne12 inotongwa (+ 165.000%). Bankia yavhara imwezve kota semutungamiri mukutora mari yeinvestment mari (68 mamirioni) uye inosvika 126.000 mamirioni anotarisirwa nekutengeswa. Kugutsikana kwevatengi kunochengetedza yakakosha mudenga tsika, inosvika pamusoro pe20%, ichisvika rekodhi nyowani, uye yekukurudzira indekisi yakura nematanho anopfuura gumi mumwedzi mipfumbamwe. Chekupedzisira, zvinofanirwa kucherechedzwa kuti 996% yevatengi vatove dijitari uye anopfuura 21.300% yekutengesa kwese kwakaitwa kuburikidza nemadhijitari chiteshi.
Kune rimwe divi, hazvigone kukanganikwa kuti ino kiredhiti institution inogona kuve nesimba rakanyanya kuita kana mitengo ikadzika zvakanyanya mumazuva anotevera. Kufanana senge sarudzo yevarimi vane huwandu hwehasha.