Chikamu chekufarira inokura 2,7% kunyangwe paine huwandu hwenzvimbo yepasi muEurope. Iyi ndiyo dhinomineta mune zvinoitwa nemabhangi panguva yekutanga kwegore rino. Iko kuri zvakare pachena kuti kupihwa kwemakiredhiti kwakadzikira panguva ino nemasangano emari. Kusvika padanho rekudzora kudiwa kwayo nezvakawanda muzana muzana zvichienzaniswa negore rapfuura. Munharaunda yakajairika umo chimbadzo chakadonha semhedzisiro yemutengo unodhura wemari mudunhu reyuro.
Kwenguva yekutanga munhoroondo chiyero chemubereko munharaunda yeeuro iyo iri pa0%. Mune mamwe mazwi, haina kukosha uye izvi zvinoratidzwa mumabhizinesi mhedzisiro emasangano emari akaderedza iwo marimendi ekumisidzana. Nekuti mabairo ayo epfungwa iyi akatambura zvakanyanya. Kutamba uchipesana nekumisikidzwa kwayo mumisika yemari. Kunze kwekumwe kufunga kwehunyanzvi hunhu uye pamwe zvakare kubva pakuona kwezvakakosha.
Nepo kune rimwe divi, yakatarwa-temu mabhengi dhipoziti akaderedzwawo neayo mashoma purofiti semhedzisiro yemutengo unodhura wemari. Zvinoenderana neazvino dhata kubva kuBhangi yeSpain, avhareji-yemwedzi gumi nemaviri dhipoziti mune yayo nguva yekugara iripo chiyero chekufarira che0,13% anenge. Imwe yeakaderera mumakore achangopfuura uye izvo zvakakonzera chikamu chakanaka chevashambadziri vadiki nepakati kuti vasarudze mamwe mamodheru ekudyara nekuchengetedza. Semuenzaniso, mutual mari uye mune zvimwe zviitiko, kutenga uye kutengeswa kwezvikamu pamusika wekutengesa.
Mabhangi: madhipatimendi ane chimbadzo chidiki
Imwe yehunhu hweichi chigadzirwa chemari mumakore achangopfuura kudonha kwayo kwakakosha mukufarira kunoiswa nemabhangi. Kupi zvakaoma kwazvo kupfuudza nhanho ye0,60% yekuisa mari kubudikidza nemhando iyi yekubhengi. Izvi zvakatungamira mukuchengetedza kunoendeswa kune mamwe emhando dzinobatsira. Kunyangwe zvichisanganisira njodzi zhinji mumamiriro ekubvumirana sezvo pasina kudzoserwa kudzoka kunovimbiswa gore rega rega. Mukati meyakajairika mamiriro umo zvinokurudzira zvinowanda mukunyoreswa kweiyi kirasi yezvigadzirwa zvemari, zvese zvakagadziriswa uye zvinowaniswa mari.
Nepo kune rumwe rutivi, zvinofanirwawo kusimbiswa kuti zvimwe zvigadzirwa zviri kubuda izvo zvinonyanya kukurudzira kuchengetedza mari munzvimbo yakaoma zvechokwadi yemisika yemari. Iko kune sarudzo pane iyo purofiti inogona kukwidziridzwa, asi pamutengo wekutora dzimwe njodzi mukubata izvi zvigadzirwa zvemari. Hazvishamise kuti pane atove mashoma zvigadzirwa zvinofungidzirwa kuti 100% zvakachengeteka, sezvazvaive zvakaita neyakagadziriswa-nguva bhangi dhipoziti. Uye ichi chokwadi chiri kukanganisa mhedzisiro yemabhizinesi emakambani echikwereti.
Kiredhiti zvakachipa kupfuura pakutanga
Chimwe chinhu chiri kukurudzira kumisikidzwa kwemabhangi mabhenefiti ibhenefiti yakaderera yavari kuwana kubva pakupihwa kwavo zvikwereti. Mune chero ehunhu hwayo uye mafomati: mutengi, wega, mogeji kana kunyange kuburikidza neaya akaburitswa kuburikidza nemakadhi echikwereti. Kusvika padanho rekuti mutengo wemasheya avo wakanganiswa neichi chiitiko chakapihwa nemabhangi nekuda kwemutengo unodhura wemari. Iko iko pakati nepakati chimbadzo chavari kushandisa parizvino chiripo mumatanho anobva ku6% kusvika ku8%. Akawanda muzana mapoinzi akaderera pane mashoma makore apfuura, matambudziko ehupfumi asati atanga.
Ichiri kune rumwe rutivi, zvinokanganisawo kuti makomisheni uye zvimwe zvinoshandiswa mukutarisira kana kugadzirisa zvakaderedzwa zvakanyanya uchienzaniswa nedzimwe nguva dzakawedzera kubva pakuona kwemari. Sezvo pave paine kusimukira kunozivikanwa mukuda, kunyangwe mumwedzi ichangopfuura maitiro aya akachinja mutsika dzevashandisi vebhengi, sezvazvinogona kuonekwa kubva kudhata yazvino yakapihwa nebhengi chikamu. Munzvimbo yakaoma kwazvo iyo inopa kusahadzika kwakawanda kune vashoma nevapakati varimi vakatora zvinzvimbo mune kumwe kuchengetedzeka kweichi chikamu chakakosha mukati memari yenyika.
Kubatira zvimwe zvigadzirwa
Imwe mhedzisiro yakanangana neshanduko iyi mumabhengi evatengi maitiro ndeyekuti mari yekudyara yakawedzera mumwedzi yapfuura. Nekuti zvirizvo, zvinoenderana neAssociation of Collective Investment Institutions uye Pension Funds (Inverco) zvinoratidza kuti pakati pe kusava nechokwadi kwakakwirira iyo yakagadzirisa hunhu hwemisika, iyo Mari Yekudyara yakaderedza midziyo yavo muna Chivabvu nemamiriyoni emamiriyoni e4.500 (1,7% pasi pemwedzi wapfuura), yakamira pamamirioni 264.492 emamiriyoni, zvishoma kudarika 6.977 mamirioni euros pamusoro pakupera kwe2018 (2,7 % kupfuura yapfuura Zvita).
Uku kuderera kweiyo equity kwaive nekuda kwekusashanda zvakanaka kwemisika, nekuti kunyoreswa kwakazara kunosvika mamirioni makumi mana nemakumi mana emamiriyoni akanyorwa munguva iyi. Yakabatwa, zvese ku equity mari yekudyara uye iya kubva kune yakatarwa mari. Sezvo kubva ku mamwe mafomati, senge mari, zvivakwa kana kunyangwe zvichibva pazvinhu zvakasvibirira. Kunyangwe chiyero chegore rino chiri pachena kune vatori vechikamu cheichi chigadzirwa chemari.
Tenga masheya pamusika wekutengesa
Vanonyanya kuita hukasha vadiki uye vepakati varimari vanogara vaine mukana wekusarudza iyo kutenga nekutengesa masheya mumisika yemari yemari. Mugore rakaomesesa, asi panguva ino iri kubhadhara kune yakanaka divi. Ingozi inofanirwa kufungidzirwa kunatsiridza purofiti yemasevha ako mukutarisana nekushomeka kwekudzoka mune yakatarwa mari uye zvigadzirwa zvebhengi (madipoziti, mapepa ekuvimbisa kana zvisungo). Kuva chimwe chezviwanikwa zverubatsiro pachikamu chemakambani echikwereti emakomisheni uye nemari inosanganisirwa nekuhaya kwavo.
Kunyangwe iri kuwedzera kuomarara kuita mashandiro ane pundutso munguva ipfupi nekuda kwekusagadzikana kuri kubuda mumisika yemari. Iko kunonetsa kwazvo kuchengetedza akateedzana mazuva akakwidza emawere. Kunyangwe vachigovera zvikamu pakati pevashandi vayo neavhareji purofiti iri padyo ne5%. Chero zvazvingaitika, yakakwira kupfuura iyo inopihwa neyekuchengetedza zvigadzirwa zvisingatombo pfuura 1% mazinga. Muchirevo chakajairika umo zvinowedzera kuoma kuona kudzoka kushoma pamari yakadyarwa. Uye izvo zviri kutungamira vashandisi vebhengi kukumbira emhando dzekudyara izvo zvichangogadzirwa.
Kupa kwezvikwereti
Iyo yakasimbiswa bhalanzi pepa reSpanish emabhangi emapoka akapfuura 31 trillion euros kubva munaKurume 2019, 2,6, iine kukura kwe3,2% gore-ne-gore inotsigirwa zvakanyanya nekuwedzera kwemusoro wemiririri weyakajairika chiitiko chechitoro chekutengesa kubhengi. Zvese zvikwereti zvevatengi uye ma deposits akakura neanopfuura 5%, nepo chikamu chemari yezvikwereti chakapihwa chakawedzera ne9% gore-ne-gore.
Mutengi chikwereti, kune rimwe divi, yakasvika 1,6 trillion euros kusvika Kurume, iyo inomiririra 5,2% yakawanda muyero yepakati uye inomiririra ingangoita 60% yezvinhu zvese zviri pachiyero. Chiyero cheNPL chaive zvishoma pazasi pe4% mushure mekudzikiswa kweinopfuura hafu yepesenti poindi zvichienzaniswa nemutengo wegore rapfuura, iine huwandu hwekuvhara hwakaenzana ne67,4% yezvinhu zvisina chokwadi, zvichienzaniswa ne68,7, XNUMX% kubva pagore rapfuura.
Madepositi anokura kupfuura 5%
Makasitoma madhipatimendi akamira pamusoro pe1,4 trillion euros, 5,5% kupfuura munaKurume 2018, iyo yatove zvinomiririra zvinopfuura makumi mashanu nezvishanu kubva muzana zveyetsetse sheet uye ivo vanobvumidza iyo reshiyo yezvikwereti kumadhipoiti kuti ichengetwe pa108%. Kune rimwe divi, iyo balance yemacurity kunze kwemasheya akapihwa yakawedzera ne30.000 mamirioni euros, 9,3% mukati memwedzi gumi nembiri yekupedzisira, kusvika padhorobha rinopfuura mamirioni mazana matatu emamiriyoni.
Pane kupokana, iyo mari yemambure yakakwidzwa kubva kumabhangi epakati uye masangano echikwereti yakadzikiswa kusvika pamambure mwero wemamirioni e13.000 mamirioni, zvisirizvo 0,5% yeiyo chiyero, pamwe nekuderera kwegore negore kwemamiriyoni makumi matatu emamiriyoni emamiriyoni. Kubva munaKurume 35.000, 31, mambure akakosha akaenzana ne 2019 mamirioni euros, pamwe nekuwedzera kwegore kwe192.000%. Inotsanangurwa maererano neiyo solvency ratio, iyo yepamusoro yepamusoro capital ratio CET1,7 zvakazara zvakazara yakamira pa11,3%, inova makumi maviri hwaro poindi kupfuura gore rakapfuura.
Mutengi chikwereti, kune rimwe divi, yakasvika 1,6 trillion euros kusvika Kurume, iyo inomiririra 5,2% yakawanda muyero yepakati uye inomiririra ingangoita 60% yezvinhu zvese zviri pachiyero. Chiyero cheNPL chaive zvishoma pazasi pe4% mushure mekudzikiswa kweinopfuura hafu yepesenti poindi zvichienzaniswa nemutengo wegore rapfuura, iine huwandu hwekuvhara hwakaenzana ne67,4% yezvinhu zvisina chokwadi, zvichienzaniswa ne68,7, XNUMX% kubva pagore rapfuura.