Bankinter mumwe wevamiriri ve svikiro kubhengi iyo ine kurudziro iri nani kubva kune vakasiyana vanoongorora zvemari. Kusvika padanho rekuti inogona kuve nemukana wekutarisazve yakatokura kupfuura iyo inogadzirwa nemabhangi makuru eSpain. Seimwe yesarudzo dzekujoinha chikamu chevashambadzi vadiki nepakati kubva zvino zvichienda mberi. Kunze kwekumwe kufunga kwehunyanzvi uye pamwe zvakare kubva pakuona kwezvakakosha.
Parizvino migove yeboka iri rezvemari iri pamatanho anowanikwa pakati pe 7 ne8 euros. Kana kuramba kwekupedzisira uku kukapfuura, hakugone kutongwa kunze kuti kunogona kutokwira kusvika kumagumi gumi, kunyangwe mune ino kesi yakanangana nepakati nepakati. Nekuti zvirokwazvo hazvigone kukanganwika kuti yakanyudzwa munguva yakaipa iyo mabhangi ari kupfuura nemumisika yemari. Uye neiyi pfungwa, Bankinter haigone kuve yakasarudzika. Zvichave zvakakodzera kutarisira kuti pakupedzisira chikamu ichi chine mashandiro ari nani ekuvhura zvinzvimbo muukoshi uhu hwekusarudzika indekisi yemusika weSpanish, Ibex 10.
Kunyangwe pane zvinopesana, zvakare zvinodikanwa kuti uongorore kuti mutengo wemasheya ayo unobva kumatunhu akadzika kwazvo kupfuura mukukoshesa kwainako panguva ino. Naizvozvo, iwe unofanirwa kungwarira usati wapinda munzvimbo dzavo nekuti iyo njodzi mukushanda ivo vanogara varipo uye zvakatonyanya kudaro mumwedzi iyi yakaoma yemusika wekuSpain wemusika uye kunyanya kune yemabhangi chikamu. Imwe yeakanyanya kuita zvisirizvo kubva 2017. Idzi ndidzo misiyano inofanirwa kutariswa usati waita sarudzo, mune imwe pfungwa kana imwe. Ndicho chikonzero chikonzero chinoraira pamusoro pezvimwe kufunga.
Bankinter mhedzisiro
Mhindu yemabhangi yemubhengi yakasvika 526,4 mamiriyoni emamiriyoni mu2018, 6,3% yakawanda munguva yakafanana yegore rapfuura. Sangano rakawana aya manhamba ekutenda nekuda kwebhizinesi rawo rinodzokororwa uye "nemasimba aro makuru: purofiti, solvency nehunhu hweaseti, munzvimbo dzehutungamiriri hwechikamu" Ichi ichokwadi chakatumirwa kuNational Market Commission yeZechengetedzo ( CNMV).
Mune iyo Bankinter yakazivisa kuti mubhadharo wemubhadharo webhizimusi pakupera kwegore rapfuura wakamira pamamiriyoni makumi mashanu nemaviri emamiriyoni, uye iyo Profiti pamberi pemutero muna 721,1 miriyoni, inomiririra kuwedzera maererano neakapfuura gore re6,3% uye 6,5%, zvichiteerana. Mupfungwa iyi, iri boka rezvemari rakavhara 2018 nekukura mumahara ese. Mari yemubhadharo yeNet inopera 2018 pa 1.094,3 mamirioni euros, inova 5,8% kupfuura data rakafanana kubva gore rapfuura.
Akadzikama mabhizinesi mitsara
Mhedzisiro yeBankinter Group yakavakirwa pane zvese bhizinesi revatengi, izvo zvinoita kuti vagadzikane mune ramangwana. Bankinter yakabatanidza mumakore mashoma apfuura chirongwa chekusiyanisa mari umo mabhizinesi akura uye zvinopesana nemabhizimusi matsva akaverengerwa uye ane mwero wekukura wakakwira, izvo zvakatendera kukura kwakaringana kwese.
Mupiro mune zvinoenderana neese aya mitsara kumahombekombe akareba ebhengi anga achisiyana mumakore apfuura sechiitiko chekuwedzera mukurumbira wemabhizinesi matsva aya, seBankinter Portugal kana iyo bhizimusi revatengi. Mutsetse unoita mupiro wakakura kumahombekombe akakura unoenderera kuve Bhizinesi reBhizinesi, riine 30%.
Kunze kwemiganhu yedu
Kune rumwe rutivi, chikwereti chikwereti Iri bhizinesi raona kukura kwekukura kwemakore zvakatungamira kune gore kuvhara pa24.000 mamirioni euros, ayo 22.600 mamirioni anoenderana nechikwereti chikwereti chemakambani muSpain, anomiririra 3,2% kupfuura gore riri pamusoro, apo chikamu se yose yakadzikira ne5,1%, zvinoenderana nedhata saNovember kubva kuBhangi reSpain.
Transactionional uye hukama hwehukama hwave kuwana huremu mubhizinesi reCorporate, nevatengi vachiisa kubhangi chikamu chinowedzera pasirese chemari yavo yezvemari Izvi zvinoratidzwa, semuenzaniso, mu kukura mumari yemari, iyo inomiririra 18% zvimwe mugore. Nenzira imwecheteyo, kubatana kukuru kwemakambani nebhangi kwakakonzera mibairo yakanaka yakawanikwa neakakosha zviitiko zvakaita seInvestment Banking kana Bhizinesi renyika dzese, iro rinoto gadzira 27% yemuganhu wakakura webhizimusi rese rekambani uye uko Bankinter nhasi chiratidzo chechiratidzo mumusika.
Kupatsanurwa muhuwandu hwebhengi
Commercial Banking, kana yevanhu, ndiyo mutsara wechipiri webhizinesi yebhangi zvichienderana nemupiro wayo kumahombekombe akakurisa, iine 28% yehuwandu. Mukati meiyi mutsara webhizinesi, iyo yakazvimiririra Banking chikamu, icho chinosanganisa pamwechete vatengi nevatengi vane zvihombe, chakaratidza kushinga munzvimbo yakaoma zvikuru. Zvinhu zvakachengetedzwa zvevatengi izvi zvakazara makumi emamiriyoni makumi matatu nemazana nemazana emamiriyoni emamiriyoni pakupera kwegore, zvinoreva kuti 35.600% kupfuura gore rapfuura, kunyangwe kudzikiswa kwemamiriyoni mazana maviri nemazana mashanu ezviuru zvakagadzirwa mumapotifoli nekuda kwekukanganisa kwemusika. Uye zvakare, iro bhangi rakatora 2 mamirioni euros eiyo equity nyowani kubva kune ava vatengi, zvichienzaniswa ne2.500 mu3.100.
Chikamu chakakosha cheiyi bhizinesi mutsetse chikamu cheBuntu Bhangi, chakapedza gore neyakaenzana ye21.600 mamirioni euros, 2% yakawanda kunyangwe pamusika mhedzisiro yakadzora kukosha kweiyo portfolio nemamirioni euros. Iyo mambure matsva akakosha akabatwa pakati peava vatengi mu1.000 aive 2018 mamirioni. Kamwe zvakare, iko kuita kwakanaka kwezvigadzirwa zvinokwezva zvakajeka vatengi vatsva, senge iyo payroll account uye chikwereti cheimba munzira dzayo dzakasiyana.
Nekudaro, iyo portfolio yemubhadharo maakaunzi pakupera kwegore yakamira pamamiriyoni e8.317 emamiriyoni, inova 22% kupfuura muna 2017. Nezve pekugara mogeji, huwandu hwezvigadzirwa zvitsva mugore raive 2.532 mamirioni euros, 11%. kupfuura muna 2017, iri 30% yeaya mageji pamutengo wakatarwa.
Yakabatana inishuwarenzi kambani
Direct Line ndiyo mutsara wechitatu webhizinesi maererano nemupiro kumahombekombe akareba ebhangi, ne22%. Huwandu hwemitemo kana njodzi dzakapihwa inishuwarenzi neiyi subsidiary yakasvika pamamirioni 3,01 pakupera kwegore, inova 7,9% kupfuura muna 2017. Maprimiyamu akanyorwa muna 2018 akasvika 853,1 mamirioni euros, 7% kupfuura gore rapfuura, neiyo kukura mumabhizimusi eMota e5,3% zvichienzaniswa neavhareji ye2,4% yechikamu ichi. uye 12,4% zvimwe mumabhadharo epamba, zvichienzaniswa neavhareji kukura kwechikamu mune iyi modhi ye3,2%, ine data kubva munaNovember. Iyo yakasanganiswa reshiyo yebhizinesi iri inomira pa 87,3% pakupera kwegore, uye iyo ROE iri 38%.
Nezve iyo Bhizimusi revatengi, inoshandiswa kuburikidza neBankinter Consumer Finance, iyo portfolio yemutengi ikozvino inodarika mamirioni 1,3, 18% kupfuura ayo aripo gore rapfuura. Basa revatengi vebhizinesi rakachengetedza rwiyo rwakanaka mukati megore rose, paine chiyero chemamirioni mazana matanhatu nemakumi matanhatu nemaviri emamiriyoni muzvikwereti zvitsva zvinomiririra 632% yenhamba yakafanana saDecember 46.
Bankinter yekudyara portfolio
Nezve iyo portfolio yekudyara, yakavhara gore pamamirioni zviuru zviviri zveeuros, nekukura kwe2.000% zvichienzaniswa nenhamba yakafanana gore rapfuura. Kana iri Bankinter Portugal, inova bhizinesi mutsetse ichangobatanidzwa muchiitiko chebhangi, yakavhara yakabudirira 34 mumisoro yayo yese, nekukura kwakapetwa kaviri zvese zviri zviwanikwa, 17% kupfuura mu2017, uye muzvikwereti mari, inosvika vhoriyamu yemamiriyoni e5.400 euros, 12% kupfuura gore rapfuura, nekukura kwebhizimusi rezvikwereti zvebhizimusi richinyanya kukosha: 42% yakawanda.
Saizvozvo, ese marara eiyo Bankinter Portugal account inoratidza kukura kweimwe hukuru hunoshamisa: 13% yakawanda mumutengo wemubhadharo, 14% yakawanda mumuganhu wakakura, uye 73% pamusoro pe2017 mumahombekombe ekushandisa. Nezvose izvi, purofiti pamberi pemutero weichi chiitiko inopfura inosvika kumamirioni makumi matanhatu emamiriyoni, 60% kupfuura iyo yakawanikwa muna 92. Se data rekutarisa kuti iri bhangi reSpanish rinogona here kuva chinhu chedu mashandiro pamusika wemasheya.
Chikamu chakakosha cheiyi bhizinesi mutsetse chikamu cheBuntu Bhangi, chakapedza gore neyakaenzana ye21.600 mamirioni euros, 2% yakawanda kunyangwe pamusika mhedzisiro yakadzora kukosha kweiyo portfolio nemamirioni euros. Iyo mambure matsva akakosha akabatwa pakati peava vatengi mu1.000 aive 2018 mamirioni. Kamwe zvakare, iko kuita kwakanaka kwezvigadzirwa zvinokwezva zvakajeka vatengi vatsva, senge iyo payroll account uye chikwereti cheimba munzira dzayo dzakasiyana.