Vashandi vanogona kusarudza kubva kumarudzi akawanda emabhangi kuti vashandise pane zvavanochengetedza mugore rino rakaoma kumisika yemari. Imwe yesarudzo idzi inomiririrwa neboka rezvemari re yepakati-chivharo seBankia parizvino uye kune vamwe vanoongorora zvemari vanonongedza mukana wakakura wekudzokorora munguva pfupi nepakati. Kunyangwe hazvo ichinge isiri sarudzo isina njodzi sezvo uchizokwanisa kuongorora muchinyorwa chino.
Bankia akawana a inonzi purofiti ye 703 mamirioni euros muna 2018, iyo inomiririra kuwedzera kwe 39,2% kana zvichienzaniswa na2017.Pane zvakajairika, purofiti yaive 788 mamirioni, iyo inomiririra kuderera kwe3,4% kana zvichienzaniswa ne816 mamirioni akawanikwa muchiitwa chekare. Iyi mhedzisiro, iyo kune rimwe divi, isina kugamuchirwa zvakanaka nevashambadzi vadiki nepakati vakasarudza kutengesa kukuru mumisika yemari. Kunyangwe iri mukati meyakajeka mamiriro mumisika yezvemari uye iyo inogona kududzira kuita uku mumatoro epasi pemari yenyika.
Kune rimwe divi, mukati megore remari rapfuura, Bankia yakawedzera ne5,5% iyo chikamu chekufarira, inosvika pamamirioni 2.049 emamiriyoni (zvisinei, dai BMN yaive yakaverengerwa muchirevo chemari yegore ra2017, mutsetse uyu waizodonha ne9,6%). Ichi chingave chimwe chezvikonzero nei idzi data risina kubvumidzwa nevashambadzi. Mune mamiriro ezvinhu asingabatsire zvinofarirwa neboka rebhangi kazhinji. Hazvishamise kuti kuwira mukati memazuva ano kunokanganisa mabhanga ese, pasina chero mhando. Kusvika padanho rekuti iwe unogona kufunga kuti inguva yakanaka yekuisa iyi kukosha kwezvikamu zveSpanish.
Bankia makota anobatsirwa
Goirigolzarri aratidzawo kuvimba kukuru mukushandurwa kwesangano mugore richangotanga. “Tinopinda muna 2019 nesangano idzva. Sangano rakagadzirirwa ramangwana, rakanyanya kushata uye rakanyanya kushuvira sangano. Uye izvo, chokwadi, zviri kuzotipa mhedzisiro munguva pfupi, asi zvakare nepakati nepakati refu ”. Kune rake divi, CEO wesangano, José Sevilla, akakoshesa kuti "mugore ra2018 rese takakura muzvikamu zvakakosha zvebhizimusi redu, senge mutengi chikwereti nemari yebhizinesi, matiri kuwedzera zvigadziriso uye kuwedzera chikamu chedu chemusika" .
Seville yakatsinhira kuti gore riri kuvhara "rakakosha kwazvo mune zvese zvine chekuita nehutano hwephepha uye kukura kwehuwandu hwemari yedu, iyo inosvika 12,51% kana mashandiro ari kuvharwa, izvo zvinoita kuti tirambe tiri imwe yezvinhu zvinonyanya kugadziriswa. mubato iri ”. Munguva ya2018, Bankia yakawedzera chikamu chayo ne5,5%, kusvika pa2.049 mamirioni euros (zvisinei, dai BMN yakaverengerwa muchirevo chemari ya2017, mutsetse uyu waizodonha ne9,6%). Komisheni mari yakawedzera ne25,3% (3,4% mukuenzanisira kwakafanana) uye mhedzisiro kubva mukuita kwemari yakawedzera ne11,5%, izvo zvakatendera mwero wakakura kuti uenderere mberi ne11,3% (yakadonha ne6,3% neBMN) uye yakamira pamamirioni 3.368.
Kugovaniswa kwekuwedzera pamugove
Nemhedzisiro iyi, Bhodhi revatungamiriri richapa pfungwa kuMusangano weVazhinji weVashandi simudza 5% mugove pagove, kusvika pamasendi gumi nemazana manomwe nemakumi manomwe neshanu (11,576 cents muna11,024) Nekudaro, iyo yakazara mari ichabhadharwa kune vanogovana veBankia inosvika kumamiriyoni makumi matatu nemakumi manomwe nemashanu emadhora, zvichienzaniswa nemamirioni mazana matatu nemakumi matatu egore rapfuura. Mubhadharo saka unosvika makumi mashanu muzana.
Iine 61,4% yematanda iyo FROB inayo muBankia, chikamu ichi chinomiririra kumberi mukubhadharwa kwerubatsiro rwunosvika kumamirioni 219 miriyoni. Nekudaro, iyo yakazara rubatsiro kudzorerwa mushure mekubhadhara, iyo yakarongerwa muna Kubvumbi, ichaita pamamirioni emamirioni 3.083, ayo mamirioni 961 anowirirana nezvikamu zvishanu zvakabhadharwa kubvira 2014.
Kupa kwezvikwereti
Kune rimwe divi, uye maererano nezviitiko zvebasa, regemendi rezvekuita rakakura ne6%, kusvika ku 2.928 mamirioni ema euro; nepo iwo echikwereti chevatengi achiwedzera ne13%, kusvika pamamiriyoni 2.286, uye iwo e mari yebhizinesi vakawedzera ne13%, kusvika pamamiriyoni gumi nemana nemazana mana nemakumi mana nemana. Nenzira iyi, chiyero chemutengi chikwereti chakakwira 14.484% uye cheye makambani, 14,1%. Saizvozvowo, bhangi rakafambira mberi zvakanyanya munzira dzekubhadhara bhizinesi.
Kubhadhara kweiyo nzvimbo yekutengesa zviteshi (POS) yakakura 15,2%, uye kubhadharwa kwekadhi revatengi muzvitoro kwakawedzera 12,8%. Zvese izvi zvakashandurwa mukukura kutsva mumisika yemisika, iyo yakamira pa12,39% mune zviteshi zvePOS uye 12% mukutenga kwemakadhi.
Padivi rekushandisa re vatengi vekutengesa, yakapera gore nekuderera kwe0,3%, kusvika pamamiriyoni 147.149 emamiriyoni. Mukushanduka uku, mashandiro emari yekudyara akabuda pachena, ayo, mugore rakaoma kwazvo kumisika, yakawedzera mugove wavo nezvikamu gumi nezvisere, kusvika pa17%.
Nevamwe vatengi
Bhengi rakawedzera huwandu hwevatengi ne120.576 mukati megore uye rakawedzera kuvimbika kwaro, nekuti pakupera kwegore raive nevatengi makumi mashanu nemakumi mashanu nevatengi vane mari yakabhadharwa.
Munzvimbo yevatengi, paive zvakare nekuwedzera kweiyo digitization chiyeroNekudaro, pakupera kwegore, 45,4% yevatengi vaive digital uye 25,8% yekutengesa yakaitwa kuburikidza neiyi chiteshi, zvichienzaniswa ne15,7% gore rapfuura. Izvo zvinofanirwa kucherechedzwa kuti 31,4% yevatengi chikwereti mvumo yakaitwa manhamba, sezvaive 19,4% yekubvumirana kwezvirongwa zvepenjeni kana 12,6% yemari yekudyara.
Mukati meichi chirevo chizere, nderimwe remapoka emari anga aine kuita kwakanyanya pamusika wemasheya mumakore apfuura. Pamusoro pemabhangi ekukosha kwakakosha, semuenzaniso muzviitiko zve BBVA uye Banco Santander. Izvo hazvigone kukanganikwa, kune rimwe divi, kuti iri bhangi rinouya kubva kuboka rezvemari rine matambudziko akakomba uye kuti pakutanga zvakakonzeresa chikamu chakanaka chevashambadziri vadiki nepakati kuti varatidze kumwe kusatenda kwekuvhura zvinzvimbo muiyi kukosha kwe iyo inosarudzwa yemari indekisi Spanish inoshanduka.
Around 2,50 euros
Iko kukosha mumitengo yebhangi iri kutenderera 2,50 euros. Kunyangwe zvakadaro, chero ipi zvayo madhinominesheni ayo ndeayo kusagadzikana kukuru uye izvo zvakakonzera misiyano mikuru pakati pemitengo yayo yepamusoro neepasi muzvikamu zvizhinji zvekutengesa. Mupfungwa iyi, hatigone kukanganwa kuti makore mashoma apfuura mutengo wekugovana webhangi rezvokutengeserana uyu waipfuura zvishoma yuro yuniti. Izvi zvinoreva mukuita kuti kukosha kwako kwakapetwa kaviri munguva ino yenguva.
Nekudaro, mushure mekuwedzera kwakaitika mumakore achangopfuura hapana mubvunzo kuti upside zvinogona yakaneta uye zvatova zvakanyanya kuomarara kukwirisa, zvirinani semakore apfuura. Asi pane izvo zvinopesana, kuti pane zvakakosha kugadziriswa mumitengo yavo uye izvo zvinogona kushandiswa kutora chinzvimbo pamitengo yemakwikwi yakawanda kupfuura panguva ino. Kunze kwekumwe kufunga kwehunyanzvi uye pamwe zvakare kubva pakuona kwezvakakosha.
Mutungamiri mukuchinjiswa nekukasira
Chimwe chezvinhu zvakakosha zveboka iri rezvemari rinobva mukuti Bankia yakatungamira bhizinesi rekuchinjisa nekukurumidza panguva ya2018, gore rekutanga rekuvapo kwerudzi urwu mashandiro mumusika weSpain, paunosvika pachikamu che39% yemari yakaendeswa. Saizvozvo, iro bhizinesi rakatungamira bhizinesi iri nenhamba yekushanda, iine 28% yekuchinjisa kunoitwa kuSpain.
Kubva muna Kukadzi 2018, mwedzi wakatanga kuendesa nyika yedu, pakupera kwegore, hurongwa hwakatamisa mamirioni emamiriyoni e16.800 mune anopfuura 23,2 mamirioni mashandiro, sekureva kweIberpay dhata maererano nekuita kunoitwa kuburikidza nebasa reASI4. Pakati peizvi, Bankia akaita 6,6 mamirioni ekuchinjisa kune yakasanganiswa huwandu hwe6.500 mamirioni euros.
Chero zvazvingaitika, ndeimwe yehunhu hwemisika yeSpanish equity iyo ichave yakakodzera kunyatsoteerera kubva zvino zvichienda mberi. Nekuti inogona kukudziridza nyowani kumusoro yekumusoro iyo inogona kuitora iyo kumatanho ari padyo zvakanyanya kusvika matatu euros mugove. Icho chinhu icho chechokwadi chisingakwanise kutongwa kunze mukati nepakati uye kwenguva yakareba, zvinoenderana nekuti misika yezvemari yepasi rose inoshanduka sei mumavhiki anotevera.
Iko kukosha mumitengo yebhangi iri kutenderera 2,50 euros. Kunyangwe zvakadaro, chero ipi zvayo madhinominesheni ayo ndeayo kusagadzikana kukuru uye izvo zvakakonzera misiyano mikuru pakati pemitengo yayo yepamusoro neepasi muzvikamu zvizhinji zvekutengesa. Mupfungwa iyi, hatigone kukanganwa kuti makore mashoma apfuura mutengo wekugovana webhangi rezvokutengeserana uyu waipfuura zvishoma yuro yuniti. Izvi zvinoreva mukuita kuti kukosha kwako kwakapetwa kaviri munguva ino yenguva.