Hutungamiri hweBBVA inopomerwa huwori: ichaita sei pamusika wemasheya?

Masayendisiti emitemo akasimbisa kuti mutongi wedare reNational Court akabvuma kuiswa kwebhangi pakukumbira kweHofisi yeMuchuchisi weAnticorruption mukati mechikamu chemhosva yeTandem ine chekuita ne zvibvumirano zvebhangi kuVillarejo, iyo yakatanga muna 2004 pamberi pekutorwa zvine utsinye naSacyr uye yakagara kusvika 2017. Chaizvoizvo, mutongi akakumbira BBVA kuti isarudze munhu semumiriri pamberi pedare asi aramba chikumbiro chesangano kuti aoneke sebato rakakuvara muchikonzero.

Mupfungwa iyi, inofanirwa kujekeswa kuti muchuchisi akakumbira kuiswa kwebhangi svondo rapfuura mushure mekuongorora iyo akabata zvinyorwa mune zvinyorwa zvakaitwa munaNovember 2017 uye izvo zvakapihwa neBBVA. Iko kunoverengeka kwazvino uye zvakapfuura mhosva dzebhangi dzinoongororwa mune iyi kesi, zvakavanzika, kusanganisira aimbova CEO Ángel Cano uye aimbova mukuru wezvekuchengetedzwa Julio Corrochano, uyo akaisa bhera yechibatiso chemamirioni mazana matatu kuti asapinde mutirongo.

Ikozvino imwe yenzvimbo dzinopisa muiyi kukosha kweiyo yakasarudzika indekisi yemari muSpain, iyo Ibex 35, ndiwo maratidziro ayo zvikamu zvawo pamusika wemasheya. Hazvishamisi kuti kutya pakati pevashambadzi vadiki nepakati ndechekuti kuchengetedzeka kwavo kunogona kudonha zvakare mumavhiki anotevera. Icho chave chatove chakaipa mamiriro mushure mekutanga yakasimba downtrend kubva pa9 euros pamugove. Uye izvo zvakatungamira kune parizvino kutengesa zvakanyanya padanho pamatanho e5 euros, zvinoreva kuti yakadzikira neinopfuura 60%. Kuva imwe yetsika dzakaipisisa dzekuenzana kwenyika mumwedzi gumi nembiri yekupedzisira.

BBVA: unogona kutora maeuro mana

Munharaunda umo mutengo wemasheya ayo wakashata kwazvo, chokwadi chekuti hutungamiriri hweBBVA hwave kupomerwa huwori hungave zvinonetsa zvakanyanya kune zvido zvevashambadziri vakatotora zvinzvimbo muiyi kukosha kwakakosha kweIbex 35. Kunze kwekumwe kufunga kwehunyanzvi hunhu uye pamwe zvakare kubva pakuona kwezvakakosha. Muchirevo chechinyorwa ichi, chokwadika, hazvigone kutarisirwa kunze kuti ichashanyira nhanho dzakaderera pane idzo dzave kupa parizvino. Kunyangwe kusvika 4 euros mugove uye uchizvishongedza neBanco de Santander.

Ndichiri kune rimwe divi, chimwe chikamu chekunetsekana kune vashoma uye vepakati varimimari iri mune yekuti zviito zvavo zvinogona tora imwe nzira inotyisa nekuti yakanyudzwa murukova rwekutengesa rwakavimbika. Iko isingatongerwe kunze kuti inogona kuenda yakaderera mumutengo wayo uye kunyange kugogodza pasi zvitsva uye zvakakosha zvitsigiro. Kusvika padanho rekuti ndeimwe remabhangi ane akanyanya hunyanzvi hunyanzvi mumwedzi mitatu yekupedzisira. Yese parameter yakadzikira nesimba guru uye ikaita kusahadzika nezve izvo kukosha kunogona kuita mumazuva anotevera.

Nekubata nguva

Yayo yazvino yehunyanzvi chimiro haibvise iwo mukana wekuti akakosha uye akasimba mabhureki anogona kuitika panguva yekugadziriswa kwemitengo yawo. Asi ivo vanozoshanda, kupfuura kutora chinzvimbo mukukosha, kuzvigadzirisa mukutarisana nezvingaitika. Nekuti hazvigone kukanganikwa kana kuti kutaridzika kwemahombekombe eEuropean hakusi iwo anodikanwa kwazvo. Iko kurwira iyo Ibex 35 gara pamusoro pe9.000 mapoinzi uye kuirovera pasi kwaigona kuitora kuenda kunyangwe yakaderera nzvimbo. Chinhu chingakanganisa masheya eBBVA uye zvimwe zvakadaro mune zvakajairika mamiriro ayo ezvemari anozviwana pari zvino.

Kunyangwe paine chokwadi chekuti chikamu chakanaka chevashambadzi vadiki nepakati vanogona kududzira kuti mitengo yavo yakachipa kwazvo panguva ino. Iyo yakakosha, apo mwedzi mishoma yapfuura yaive ichitengesa dzakakomberedza 8 euros pamugove. Ndokunge, yakadzikira nehafu uye izvo hazviratidze zvinhu zvakawanda zvakanaka mukukosha. Kana zvisiri, pane kudaro, zvinoratidza kusasimba kwakaratidza kusingape kudengenyeka kwakanaka kuti vapinde munzvimbo dzavo kubva zvino zvichienda mberi. Hazvishamisi kuti pane zvakawanda zvekurasikirwa pane kuwana uye chinhu ichi chinofanira kutiita isu vanonyanya kungwarira kushanda nekambani yakanyorwa.

Chikamu chakarangwa zvakanyanya

Chero zvazvingaitika, chikamu chebhangi chiri kuva chakanyanya kurohwa mumisika yemari. Mubvunzo ndewokuti uchachengetedza here maitiro aya kubva kumavhiki anotevera. Nekuti nekuwedzera, hapana mubvunzo kuti ichave iri yeimwe yakanyanya kurangwa muchiitiko cheBrexit yakasimba inosimudzira kudonha uku. Iko kuderera kutsva uye kwakanyanya mumutengo wayo kunogona kuoneka izvo zvinogona kutungamira BBVA kuenderana mukuenderana kwemitengo yayo ne Banco Santander iyo parizvino iri padanho repfungwa re4 euros.

Nepo pane izvo zvinopesana, pane tarisiro shoma yekuti uyu musika kukosha unodzokera kumatanho emakore apfuura. Zvirinani zvine chekuita neye pfupi uye yepakati nguva, inova nguva yekugara kwevakawanda vadiki nepakati varimi. Uine govanisa goho iyo parizvino iri 4,5%. Ehe haisi iyo yepamusoro-soro yeIbex 35 asi inofungidzira chibharo chakasimbiswa uye chakavimbiswa gore rega. Mukumwe kuwirirana neiya yemamwe mapoka emari. Kunyangwe iwo mubvunzo unosara pakati pevanoongorora zvemari uri wekuti unozokwanisa here kuchengetedza iyi purofiti kubva panguva dzino chaidzo.

Maitiro ekuita pamwe neiyo kukosha

Iye zvino isu tinongofanirwa kufunga nezve zvatingaite neiyi yakakosha kukosha kweSpanish equities. Kunyangwe zano rezvekudyara iri rekutengesa zvikamu zvako, vatengesi vane hukasha vanogona kuyedza kuita bhizinesi rekuita kuti kuchengetedza kwavo kubatsire mune pfupi pfupi nguva. Nechinangwa chikuru che tora mukana wekusagadzikana kwayo kuwana maeuro mashoma mumhando iyi yekukurumidza mashandiro. Chimwe chinhu chakasiyana zvakanyanya ndechekuti inogona kusimudzira shanduko mune zvinoitika nekuti izvi zvaizofanirwa kuenda kumatanho akakomberedza matanhatu euros.

Kune rimwe divi, ndeimwe yekuchengetedza ine njodzi huru mukushanda. Inotorwa kubva kune yayo yemakambani mamiriro uye kubva kuchikamu inosangana. Kune izvo zvinofanirwa kuwedzerwa kuti zvinotarisirwa kumisika yemakambani hazvisi izvo zvakanakisa, zvirinani kwemakore maviri kana matatu anotevera. Kubva padariro, rairo rakanakisa nderekuti nyarara munzvimbo dzekuvhura uye kana zvichikwanisika kuisa mamwe maitiro pane radar. Hazvina kuchenjera kuita kutenga mune ino mamiriro ekunze emari misika. Sezvo iwe uchikwanisa kutora zvakashamisa zvakashata neboka iri rebhangi kubva zvino zvichienda mberi.

Kana iwe uchida kuve mune rezvebhengi chikamu, iwe une zvirinani sarudzo, senge Banco Santander. Iko zviitiko zvazvino zvinogona kuvakuvadza zvakanyanya muzvinzvimbo zvavo mumisika yemari uye zvichave zvakakodzera kunyatsoteerera kune zvinogona kuitika kubva pakatarisana nemutemo. Nekuti iwe unogona zvirokwazvo kutora yakaoma kurova iyo pakupedzisira inopedzisira yakanganisa vatengesi. Tichifunga nezvechiitiko ichi, chinhu chinonyanya kukosha hachisi chekuve kukosha chero mune chero mamiriro. Hazvishamise kuti chiito ichi chinogona kubhadhara zvakanyanya kubva mumazuva mashoma anotevera, sekuratidzwa kwevamwe vaongorori vemusika.

Tora 10% zvishoma pane zvawanikwa

Pakati paNdira naKurume 2019, iro BBVA Boka rakawana 1.164 mamirioni euros, 9,8% yakaderera pane panguva imwechete yegore rapfuura uye 16,2% kupfuura mukota yapfuura, pamitengo yazvino yekutsinhana. Kunze kwekuenzanisa iyo mhedzisiro yeBBVA Chile yekota yekutanga ye2018 (kupatsanurwa kwakaitwa muna Chikunguru 2018), mhedzisiro yaive 7,7% yakaderera (-6,0% mune inogara euros). Ndichiri kune rimwe divi, iyo NPL ratio inoramba iri pa3,9% uye huwandu hwekuvhara hunovandudzika kusvika ku74%. Mutengo wenjodzi, yechikamu chayo, unomira pa1,06%.

Pakati pemhedzisiro yaro yemakota, chokwadi chekuti BBVA inoramba ichitungamira maererano nekuita purofiti inomirawo, iine ROE ye9,9% uye ROTE ye11,9%, iri pamusoro pevhareji revakwikwidzi veEuropean. Panguva imwecheteyo, iyo CET 1 'yakazara-yakazara' capital ratio inovhara kota pa11,35%, ichisvika pachinangwa chekuve pakati pe11,5% ne12%, uye nekukwevera zvese zvinokonzerwa neIFRS 16. Nenzira iyi, zviri pachena kuti muganho wakakura waive 3,3% pamusoro peiyo nguva yegore rapfuura, kufambira mberi uko mumatemu enguva dzose kwaive 7,0%, ichisvika 6.069 mamirioni euros. Mukuenderana neizvo zvinotarisirwa nemisika yemari.

Kubva padanho, rairo rakanakisa nderekuti nyarara munzvimbo dzekuvhura uye kana zvichikwanisika kuisa mamwe maitiro pane radar. Hazvina kuchenjera kuita kutenga mune ino mamiriro ekunze emari misika. Sezvo iwe uchikwanisa kutora zvakashamisa zvakashata neboka iri rebhangi kubva zvino zvichienda mberi.


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  1. Inotarisira iyo data: Miguel Ángel Gatón
  2. Chinangwa cheiyo data: Kudzora SPAM, manejimendi manejimendi.
  3. Legitimation: Kubvuma kwako
  4. Kutaurirana kwedata
  5. Dhata yekuchengetedza: Dhatabhesi inobatwa neOccentus Networks (EU)
  6. Kodzero: Panguva ipi neipi iwe unogona kudzora, kupora uye kudzima ruzivo rwako