Elinye lamaxabiso axabisekileyo kuzwelonke afana neBanco Santander ikwindlela enqamlezileyo ekulungelelanisweni kwamaxabiso ayo. Ayaziwa kakuhle ukuba isabelo sinokuya kwi-euro ezintathu okanye, ngokuchaseneyo, sinokuphinda sidlule kwinqanaba lokumelana nalo ngoku ngee-euro ezintlanu. Ngayiphi na imeko, la maxesha awalunganga kwicandelo lebhanki kwimarike yemasheya. Ukuwa kwakhe kunzulu kakhulu kwaye okona kubi kukuba banokuqhubeka kwiinyanga ezizayo. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko.
Okwangoku, amaxabiso abo aphakathi phakathi kwe-4 kunye ne-5 ye-euro ngesabelo ngasinye kwaye oko kubangela ukuba abatyali mali abancinci nabaphakathi bangazi ukuba mabenze ntoni. Nokuba kufuneka uthathe isikhundla okanye uhlale kolona lawulo lusebenzayo ukuze usebenzise ithuba elingcono kumaxabiso abo. Kuyo nayiphi na imeko, izabelo zeBanco Santander ziqhuba ngcono kakhulu kunabakhuphisana nabo ngaphakathi kwesalathiso se-equity, i-Ibex 35. Ikhethekile, BBVA ukuba kwiinyanga ezimbalwa imkile kurhwebo lwe-8 euro ukuya ngaphezulu kwe-4.
Ngapha koko, ayinakulityalwa ukuba icandelo lebhanki lelinye lawona mazwe aseSpain aguquguqukayo. Into eyayingacingeki kwaphela kweminye iminyaka ingekude kangako. Ngumahluko oqinileyo phakathi kwabo ubuninzi kunye namaxabiso asezantsi, njengoko kusenzeka kwiiseshoni zokugqibela zokurhweba. Ngaphezulu kwamanye amacandelo ukuba i-priori ibuthathaka ngakumbi ekuphuhliseni la manyathelo ngokuhambelana namaxabiso abo. Yimeko apho kuya kufuneka siphile kwiinyanga ezizayo.
I-Santander: ngezantsi kwexabiso
Ewe kunjalo, inye kuphela into ecace gca kule chip iluhlaza yelizwe. Kwaye ayikho enye into ngaphandle kokuba ixabiso langoku alixatyiswanga kakhulu kwaye lingaphantsi koqikelelo ngabahlalutyi bezemali abanikezela ngexabiso ekujoliswe kulo elingaphezulu kweerandi ezintlanu ngesabelo ngasinye kwaye kwezinye iimeko ngaphezulu kwala manqanaba. Ngayo, iya kuba nokubaluleka kokuxabiseka okubaluleke kakhulu, malunga ne-20% Kwiimeko ezininzi. Kwelinye icala, kufanele ukuba kuqatshelwe ukuba ibe lixabiso elibi kakhulu kwiiseshoni zokurhweba zamva nje.
Ukuya kuthi ga kwinqanaba apho utyalo-mali lujolise kwixesha eliphakathi kwaye ngakumbi ixesha elide, kunokuba yinto enenzuzo kakhulu kubatyali mali abancinci nabaphakathi. Akunjalo ngokufutshane njengoko ukungazinzi kubambe isenzo sayo, nge Umahluko othile phakathi kwelona xabiso lakho liphezulu kunye nelona lincinci. Kwelinye icala, ikwajonga ukungazinzi okuthile kwecandelo njengesiphumo semeko yebhanki yaseYurophu ngokubanzi. Inye into ngokuqinisekileyo ayincedi xabiso ukuba lihlale phantsi kwendlela yokuqhubela phambili.
Ukuhlaziya ukukhula phantsi
Enye into esebenza ngokuchasene nemidla kaBanco Santander luhlaziyo olwenziweyo olwenziwe ngu INgxowa-mali yeHlabathi (IMF) kwaye oko kuye kwakhokelela ekulungiseni kakhulu izikhundla zabo kwiintsuku ezidlulileyo. Ngale ndlela, iimarike zokulingana ziye zohlwaywa emva kokuba i-IMF ihlaziye ezantsi, kuba uqikelelo lokukhula koqoqosho lwehlabathi alunampumelelo njengoko umntu ecinga. Icandelo elichaphazeleka kakhulu kolu hlalutyo lutsha ngokungathandabuzekiyo licandelo lebhanki kwaye iSantander lelinye lamaqela abaluleke kakhulu ezemali kwilizwekazi elidala.
Ngayiphi na imeko, eyona ngxaki inkulu kolu tyalo-mali kukuba inzuzo yayo kule minyaka ilishumi idlulileyo ibisezantsi. Akunakulityalwa ukuba kude kube ngoku izenzo zakhe bezisenziwa kumanqanaba ee-euro ezingama-6 kwaye ngombono wokuba banokuphakama kule minyaka imbalwa izayo. Kwelinye icala, khange ijoyine ijelo le-bullish ebelidwelisiwe kwaye le yenye yokuthandabuza ukuba ukubuyela kwizikhundla zeli qela lezemali linamandla. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga izinto ezisisiseko.
Utshintsho kwinkampani yeinshurensi yakho
Enye yeendaba ezibonelelwe ziimarike kwiintsuku nje ezidlulileyo kukuba Imephu iya kuba ngumnini we-50,01% yenkunzi yenkampani ekhokelayo, eya kuthi ihlawule i-82 yezigidi zeerandi, kwaye uSantander Seguros uya kuba ngumnini we-49,99% eseleyo. Ibhanki iya kusasaza ngokukodwa kuthungelwano lweSantander eSpain i-inshurensi yemoto, umngcipheko kwezorhwebo, umngcipheko we-SME kunye ne-inshurensi yoxanduva lwenkampani entsha. Nangona kunjalo, yinyani yokudibanisa engachaphazeli kakhulu amaxabiso amaxabiso abo.
Kwelinye icala, kuya kuhlala kubonakala ukuba iingxaki anazo umntu okhuphisana naye kule mihla ziya kukuchaphazela njani, BBVA. Kungenxa yokuba isenokuba sesona sizathu sokuhla kwecandelo ukuqinisa ubuncinci ngeli xesha lifutshane. Akukho kunqongophala kwabahlalutyi bezemali ababhekisa kwinto yokuba oku kunokuba yinzuzo kwi-Banco Santander. Le yinto eza kubonakala kwiiseshoni zokurhweba ezilandelayo, ngandlela ithile okanye enye. Ngayiphi na imeko, abekho kwimeko efanelekileyo yokujongana nokunyuka okuzinzileyo nokuzinzileyo kumaxabiso abo.
Ukutyunjwa kwabalawuli abatsha
Kananjalo ayinakuphazamisa kwiindaba malunga nabalawuli abatsha eBanco Santander kwaye inokudala ukungavisisani okungaphezulu kwesinye okanye ukuthandabuza phakathi kwabatyali mali abancinci nabaphakathi. Kuba, kwaye, kwaye kubhekiswa kulo mba wasekhaya, kufuneka kukhunjulwe ukuba ibhodi yabalawuli ye-Banco Santander ivumile kwindibano yayo namhlanje ukuba ingaqhubeki nokuqeshwa kuka-Andrea Orcel njenge-CEO yeQela. Ibhodi ibhengeze ukuqeshwa kuka-Orcel ngoSeptemba 2018, ngokuxhomekeke kwiimeko zesiko, kubandakanya iinyanga ezintandathu zika ikhefu legadi. Unxibelelwano lwaluyimfuneko ngokunikwa ukubaluleka kokusebenza kwayo kunye nemithetho, umthetho kunye nezivumelwano.
El ibhodi yebaphathi USantander ke wavuma ngomvuzo wonyaka ozokufunyanwa ngu-Orcel njenge-CEO eSantander, ngokuhambelana noJosé Antonio Álvarez. Nangona kunjalo, ngelo xesha, kwakungekhe kwenzeke ukuba kuqikelelwe iindleko zokugqibela kwiQela lokuhlawula umvuzo omiselweyo owawubekelwe yena kwisikhundla sakhe sangaphambili kwaye ngewayephulukene nokusishiya kwakhe. Ke ngoko, ukuqeshwa kwenziwa ngokwesiseko soqikelelo lweendleko, ngokuhambelana neengcebiso ezifunyenweyo, ezandulelayo kunye nolindelo lokuba zinokuhlaziywa ezantsi ngenxa yemeko yobudlelwane phakathi kweebhanki zombini numahluko kwi imisebenzi abayenzayo.
Ixabiso eliphezulu ebhankini
Kwiinyanga ezidlulileyo, bathethile ngokunxulumene nemigaqo yokuhamba kuka-Orcel kwiziko awayesebenza kulo. Kuyacaca ngoku ukuba indleko kuSantander yokumhlawulela umvuzo wakhe omiselweyo kwisithuba seminyaka esixhenxe, kunye nezinye izibonelelo ezifumanekayo kwisikhundla sakhe sangaphambili zingangaphezulu kakhulu kunokuba bekulindelwe yibhodi ngexesha lesibhengezo. yokutyunjwa kwakho.
Ibhodi ithathela ingqalelo ukuba ayamkelekanga kwibhanki yezorhwebo efana ne-Santander ukujongana neendleko zokuqesha umntu, nokuba ikweli nqanaba kwaye le ndlela ilandela ukukhanya kwamaxabiso kunye noxanduva enalo kubaxumi bayo. abachaphazelekayo kunye neenkampani zamazwe asebenza kuwo. Kule meko, ibhodi ithathela ingqalelo ukuba ayifanelekanga ukuba ilandelwe qhubeka nokuqeshwa.
Iseti yeethayile kwitshathi yombutho
UJosé Antonio Álvarez, oqhubeke njenge-CEO emva kokubhengezwa kokuchongwa kwaye obecwangciselwe ukubamba ubongameli beSantander Spain ngoMatshi olandelayo, uzakuhlala njenge-CEO yeqela. Ngokunjalo, uya kubamba isikhundla sokuba ngusekela mongameli webhunga. URodrigo Echenique, owayecwangcise ukushiya isikhundla sakhe sangoku njengo Mongameli wase-Santander Spain ngo-Matshi, uzakuqhubeka de kuchongwe umntu oza kungena ezihlangwini zakhe.
Kule meko, umongameli we-Banco Santander, u-Ana Botín, uthe: "Njengebhanki yezorhwebo, kuye kwafuneka silinganise iindleko eziphezulu zokuqesha umntu oqeqeshiweyo, nokuba umntu unetalente UAndrea Orcel, obefanele abuyekezwe ngelahleko yeminyaka esixhenxe yomvuzo omiselweyo, kunye nenkcubeko yethu yobumbano, oko kuthetha ukuzinikela noxanduva kubasebenzi, abathengi kunye nabanini zabelo. Ngesi sizathu, ibhunga kunye nam siqinisekile ukuba, nangona sisigqibo esinzima, senze esifanelekileyo.
Ngayiphi na imeko, enye yeenjongo zale bhanki iya kuba kukufikelela kwinqanaba le-5 euro ngesabelo ngasinye. Ukuzama kamva iinjongo ezinomdla kuzo zonke iindawo zokujonga, kwaye kulapho izicwangciso kufuneka ziyeke khona ngabatyali mali. Emva kwayo yonke loo nto, yenye yeenjongo zexesha elincinci zebhanki yezorhwebo. Enye into eyahlukileyo kukuba iyaphumelela. Ewe ayizukuba lula.