Iko kugadzirisa mumitengo yemabhangi akanyorwa ndiko kuri kuita kwakawanda mazuva ano uye izvo zviri kutungamira kuhunhu uhwu kuve mune imwe yeiyo zvakaderera zvikamu mumakore achangopfuura. Izvi zvinoburitswa mushure neCanada yekudyara bhangi repasi rose RBC Capital Markets. Nekuderedza mitengo yakatarwa yemabhangi akanyorwa mune yakasarudzika index yeSpanish equity, Ibex 35.
Iko kunokonzeresa kudzokorora uku mumaonero emabhangi enyika kuri muchisarudzo chazvino cheEuropean Central Bank (ECB) kuchengetedza, zvirinani, kusvika hafu yekutanga ye2020 chimbadzo pamatanho azvino. Semhedzisiro yeichi chiito, mafemu akasiyana akagadzirisa kukoshesa kwawo kumasangano eSpain. Muzviitiko zvese, kudzikisa mutengo wayo uye mune dzimwe nguva zvine hukasha hukuru mukucheka kwemitengo iyi mumisika yemari.
Aya mamiriro akonzera iyo kutengesa kumanikidza iva nesimba kwazvo mazuva ano. Kusvika padanho rekuti kuchengetedzeka kwese kwakakosha kwenzvimbo yemabhengi kuri mune yakadzika nzira. Kunyanya nekuti inovavarira kune ese mazwi ekugara: mapfupi, ari pakati nepakati. Pasina iko kugadzirisa kunopa akakwana mazinga ekugadzirisa zvigaro kubva zvino zvichienda mberi. Munzvimbo yepasi rose yezvehupfumi iyo isinganyatsonaka zvakanyanya nekuda kwezvichengetedzo izvi zvakanyorwa pamusika wepasirese wenyika.
Kuderedza mutengo: Bankia
Pasina mubvunzo, imwe yetsika dzakaipisisa dzekushaya mabasa dzakabuda muiyi ongororo yemutengo ndeye Bankia. Iko, hazvigone kukanganwika kuti vaongorori vebhengi reCanada vanodzikisa mutengo wavo kubva pa2,2 euros kusvika pa2,1 euros pamugove. Izvi muchiitiko zvinofungidzira a kugadziriswa padyo ne5% uye inoisiya isina mukana wekudzora mumusika wemari muchikamu chechipiri chegore rino. Saka, hazvishamise, kuti zvikamu zveBankaia zvadonha mazuva ano zvakakomberedza 4,5% mukotesheni yavo paIbex 35. Kuva kumwe kwekutamba kwakaipisisa mumazuva ano.
Panguva ino, chenjedzo yakasarudzika inofanirwa kushandiswa nemasheya eiyi kukosha, ayo anogona kutengesa kupfuura kutenga. Pakati pezvimwe zvikonzero nekuti inobatanidzwa mune ine njodzi yekudzikira inogona kutungamira mamora ma1,50 euros chiito munzvimbo pfupi pfupi yenguva. Izvo hazvitombonakidze kuvandudza mashandiro ekutengesa sezvo iri kuratidza kudzikira kwevhiki nevhiki. Uye ichi chinhu chinoratidza kuti icharamba ichiderera mumisika yemari. Pamusoro pekumwe kufunga kwehunyanzvi hunhu uye zvakare pamwe kubva pakuona kwezvakakosha.
BBVA, kubva pa9 kusvika ku5 euros
Kukosha kwayo kwakadzikira zvakanyanya mumakore achangopfuura, kurasikirwa nehafu yenguva yayo mumisika yemari. Nekuti zvirokwazvo, uye kunyangwe nhau dzichiuya kubva kubato, dzimwe dzadzo dzakajeka. Semuenzaniso, iyo chokwadi chekuti mushure mekugamuchira mvumo inodzora inodiwa, iyo BBVA Group yapedza iyo kutengeswa kuScotiabank yeiyo 68,19% yehafu muBBVA Chile nemamwe makambani munyika.
Huwandu hwekutengesa hunosvika pamamiriyoni mazana maviri nemazana maviri emadhora. Iko kuvhiya kunounza mambure capital pfuma inosvika mazana matanhatu nemakumi mana emamiriyoni euros uye zvinobatsira paCET2.200 'yakazara zvakakwana' capital ratio yemakumi mashanu ematanho ematanho. Asi kunyangwe zvakadaro, mamiriro ayo pamusika wemasheya ari kunetsekana chaizvo nekuda kwezvinodiwa nevashambadzi vadiki nepakati vaona mari yavo pamusika wemasheya zvadzikiswa zvakanyanya. Kunyangwe iri mune yavo chishuwo kuti ivo vanogona kuvapora uye zvirinani vadzikise zvakanyanya. Uine govanisa goho inova 5,4% nhasi. Kuburikidza nemari yakatarwa uye yakavimbiswa gore rega rega uye nemubhadharo kune account.
Mabhangi anobatsirwa
Mabhangi eSpain akawana mubairo unokosheswa wemamiriyoni e3.538 mamirioni mukota yekutanga yegore remari 2019, zvinoreva kuderera kwe11,4% zvichienzaniswa nenguva yakafanana yegore rapfuura. Nediki bharanzi jira kukura, iko kudiki kuvandudzwa mumumbure wemari yemari uye iyo kuderedzwa kwemari yekushandisa vanga vasina kukwana kuti vagadzirise mhedzisiro yakatorwa kubva mukushanda kwemari. Munharaunda yakatarwa nemitero yakaderera muEurope, mambure emubereko akawedzera 2,7% kusvika Kurume uye asvika 14.822 mamirioni euros, nepo mari kubva kumakomisheni yakadonha 0,5% panguva ino.
Nepo kune rimwe divi, hazvigone kukanganwika kuti iyo gross margin yakaderera 1,2% mumwedzi mitatu yekutanga yegore uye yakamira pamamirioni e20.896 emamiriyoni, kunyanya nekuda kwekuderera kwemhedzisiro kubva mukushanda kwemari uye kudzikiswa kwemimwe mibairo yekushandisa. Kunyangwe paine huwandu hwepakati hwakawedzera kupfuura 1,5% gore-ne-gore, mari yekushandisa yakadonha ne1%, izvo zvakabvumidza kuti muyero weunyanzvi uchengetwe pa49,2%, pakati pezvakanakisa mubhangi system seyakazara European Union. Kana zviripo uye zvigadziriso zvekukanganiswa kwemidziyo zvakawedzera ne7,1% mumwedzi mitatu yekutanga yegore, nepo kudzoka kweiyo equity (ROE) kwakamira pa7,01%, zvichienzaniswa neiyo inoenderana 7,97% kusvika panguva imwechete gore rapfuura.
Kusarudzika kwevatengi kunomuka
Chimwe chinhu chinofanirwa kuratidzwa mukati meichi chakakosha chikamu chemusika wemusika ndicho icho chine chekuita nehunhu hwevashandisi. Mupfungwa iyi, iyo data iri pachena kwazvo kana zviri pachena kuti huwandu hwesimba yaive zvishoma pazasi pe4% mushure mekudzikiswa kweinopfuura hafu yepesenti poindi maererano neyakaenzana gore rakapfuura, iine huwandu hwekuvhara hwakaenzana ne67,4% yezvinhu zvisina chokwadi, zvichienzaniswa ne68,7% yegore rapfuura.
Ndichiri kune rimwe divi, iyo data yeiyo chikamu inoratidzawo kuti iyo mutengi anoisa Vakanga vari pamusoro pe1,4 trillion euros, 5,5% kupfuura munaKurume 2018, izvo zvino zvinomiririra zvinopfuura 55% yeiyo yakazara bharanzi uye inobvumidza huwandu hwezvikwereti kumabhadharo kuti uchengetwe pa108%. Mune mamiriro epasi rose, uko mabhenefiti avakagadzira munguva ino akaderera nekuda kwemutengo unodhura wemari. Uye izvo zvakatungamira kune chiyero chemubereko munharaunda yeeuro kuva 0%, ndiko kureva kuti pasina kukosha uye izvo zviri pasina mubvunzo zvinorema pamiganhu yekumisidzana yemasangano echikwereti.
Chikamu chinofanira kudzivirirwa
Hapana mubvunzo kuti panguva ino, mashandiro ane masangano emari sezvo epicenter yavo inofanirwa kudzivirirwa. Pakati pezvimwe zvikonzero nekuti pane zvakawanda zvekurasikirwa pane kuwana nekuda kwekudonha kwakadzika uko kwavo tsika kuri kuratidza. Wekupedzisira kujoina iyi tsika yave Bankinter kuti chero nguva inogona kusiya nhanho dze6 euros pamugove. Kana kusvikira mwedzi mishoma yapfuura iye aive iye neakanakisa tekinoroji yezvose. Asi ikozvino arikufunga dzimwe njodzi mukuvhiya dzinogona kuve dzakanyanya kutora nzvimbo.
Nepo kune rimwe divi, kune zvakare kuchinjiswa kwemari kubva kuvashambadzi kuenda kuzvivigiro zvinoshanda sekupotera panguva dzekusagadzikana kukuru mumisika yemari. Sezvazviri mune chaiyo kesi ye makambani emagetsi kuti mune vazhinji vavo vari muchimiro chekusununguka kusununguka. Ndicho chakanakisa pane zvese nekuti ivo vanotova nekupokana kwakakosha pamusoro penzvimbo dzazvino. Naizvozvo, ivo vanogona kusimuka zvakanyanya mukushandurwa kwemitengo yavo yechipiri chikamu chegore.
Mirira nemabhangi
Nenzira iyi, zvishoma zvinogona kuitwa panguva ino nemabhangi akanyorwa pamisika yemari. Kana zvisiri, nzira chete inoshanda yekudyara iri mira, mirira uye mirira. Kusvikira paine shanduko yakajeka mune zvinoitika zvinobatsira kuvhura zvinzvimbo kwemakore mashoma anotevera. Chero zvazvingava, kufarira kuri kuita kune vashoma nevapakati varimari kwave kudzikira gore rino uye ichi chinhu chinofanira kutariswa pakuumba zano rekudyara.
Nekuti ichokwadi kuti zvinhu zvishoma kwazvo zvinogona kuitwa mubhengi chikamu kana ichinge yakanyudzwa mune yekudonha kwesimba kukuru. Kunyangwe ichiita sekuti haisati yabata pasi uye mitengo yakaderera inogona kuoneka pane iya yakataurwa muchikamu chino chegore. Mupfungwa iyi, haufanire kuisa mari panjodzi neimwe nzira. Ndicho chakanakisa pane zvese nekuti ivo vanotova nekupokana kwakakosha pamusoro penzvimbo dzazvino. Naizvozvo, ivo vanogona kusimuka zvakanyanya mukushandurwa kwemitengo yavo yechipiri chikamu chegore.