Ngaphezulu kwezizathu ezaneleyo zokuba nexhala kubatyali mali beBBVA. Enye ye ixabiso lesikhombisi Izabelo zaseSpain zibone amaxabiso ezabelo zawo ehla ngenxa yokuvezwa kakhulu kuqoqosho lwaseTurkey. Indawo enengxaki enkulu emva kokuphulukana nexabiso lemali yayo ngenxa ye- imfazwe bawela ilizwe lakho ngokubhekisele eUnited States. Ukuza kuthi ga kwinqanaba lokuba abahlalutyi bezemali abambalwa bacinga ukuba sisiqalo seengxaki zoqoqosho ezinokuchaphazela ilizwe liphela.
Ngale ndlela, kufuneka kukhunjulwe ukuba ukubonakaliswa kwe-BBVA okwangoku kuphakame kakhulu, kunye nezinto zexabiso ezikwimeko yaseTurkey ukuya kuthi ga kwi-84.000 yezigidi zeedola (i-73.200 yezigidi zeerandi). Akunakulityalwa ukuba enye yeetshipsi ezinkulu eziluhlaza zesalathiso semarike yaseSpain, i-Ibex 35, ilawula phantse isiqingatha seGaranti, yenye yezona zinto zibalulekileyo zebhanki kwilizwe lase-Ottoman. Ngesi sizathu, izabelo zeqela lezemali elichazwe nguFrancisco González ziye zadilika kulo Lwesihlanu uphelileyo.
Konke oku, ngexesha lasehlotyeni apho iyakubamba indawo elungileyo yabatyali zimali bayo abancinci nabaphakathi kwikhefu. Kuba kwiintsuku ezizayo intengiso enamandla yezabelo zayo inokusebenza, ngomngcipheko wokuwa okutsha kunye nokukhulu kakhulu kwiimarike zemali. Ukuya kwinqanaba lokuba uninzi lwabasebenzisi abazi ukuba mabenze ntoni kwezi ntsuku, ukuba kwelinye icala bazishenxisa izikhundla kweli xabiso libalulekileyo lezabelo zamazwe. Okanye ngokuchaseneyo, hlala ezikhundleni ngethemba lokuba izabelo zeBVVA ziyakubuyisa ixabiso lazo kungadlulanga xesha lide.
I-BBVA iwele ngaphezulu kwe-5% kwintengiso yesitokhwe
Iziphumo zengxaki yaseTurkey khange kube kudala kuqikelelo lwezibambiso zebhanki enkulu yesizwe. Kuba, eneneni, ukuhla kwexabiso kuye kwadlula kwi-5% kwaye kuye kurhuqwe i-Ibex 35, njengenye yeentengiso zentengiso yesitokhwe eyona yohlwaywa kwezi ntsuku. Kungenxa yokuba ayaziwa ukuba eyona imbi kuseza. Kwelinye icala, i icandelo lebhanki yenye yezona zinto zibhenceke kakhulu kule ntlekele efikelele kwilizwe elinamandla lamaSilamsi. Ngokwehla kweebhanki ezishiyekileyo zemarike yaseSpain phakathi kwe-1% kunye ne-2%, nangona ingafakwanga i-alamu eyenziwe phakathi kwabanini zabelo beBBVA.
Yimeko enengxaki kakhulu kubo bonke abatyali mali okoko ibhanki apho inkampani yezemali yaseSpain inxulunyaniswe ishiye khona kwiiveki ezidlulileyo kungekho nto ingaphantsi 2.500 million. Onke umqondiso othintela umzabalazo phakathi kwabathengisi kunye nabathengi ngoncedo olucacileyo lwangaphambili. Ubuncinci kude kube ngoku kwaye kuyakufuneka ujonge ukuba zeziphi iimarike zezemali ezisuka kule veki njengoko kuya kuba yinto ephambili ekuqaqambiseni ukuba leliphi elona qhinga lifanelekileyo ekufuneka abatyali zimali bazithathe.
Ubugwenxa kwiibhanki zaseTurkey
Enye yezinto ekufuneka zixatyisiwe kakhulu kwingxaki echaphazela iTurkey kukuba ibhanki ekhokelwa nguFrancisco González ine Vala isabelo sentengiso ukuya kwiipesenti ezili-10 kwilizwe laseTurkey. Into ebaluleke kakhulu ukuhlalutya le ngxaki yezoqoqosho intsha engakhange ilindelwe mntu. Nangona ngokuchaseneyo, amanqanaba obugwenxa awakhathazeki kakhulu. Ifunyenwe okwangoku kufutshane ne-5%, nangona kunjalo iyanda kwiinyanga ezilishumi elinambini ezidlulileyo. Ngayiphi na imeko, isikhundla sebhanki enkulu yaseSpain sihamba ngamaxesha anqabileyo kubo bonke abatyali mali.
Ngeli xesha kuzakufuneka silinde okwenzekayo ngeziphumo zeshishini ezilandelayo zeli qela lezemali. Ukuya kwinqanaba lokuba inokunika ezona zikhokelo ziinjongo zininzi zokulungisa okanye ukungazibeki izikhundla kwixabiso lemarike yemasheya. Kuba kuyinyani ukuba phantse yonke into inokwenzeka, njengoko uninzi lwabahlalutyi bezemali belumkisa. Ukusuka kolu luvo, eyona nto icetyiswayo kukuba usecaleni kwezi zenzo kuba banokunika ngaphezulu kokucaphuka kwikota ezayo. Kwaye malunga nokuphela kosuku kukuphepha ezi meko zinqweneleka kangako ngabatyali mali bale bhanki.
Izicwangciso zotyalo mali ebhankini
Okwangoku, kuya kufuneka ujonge into ekufuneka uyenzile ngezenzo zakho ukusukela ngoku. Kuba ngokusebenza, i-BBVA lixabiso ebelililo Ndiqinisekile, kodwa oko kuye kwahlaselwa kakhulu kwimarike yemasheya kule mihla ka-Agasti. Ukuthintela imisebenzi engahambelaniyo nomdla wakho njengomthengisi, awuzukukhetha ngaphandle kokuthatha amanyathelo okhuseleko lwakho. Yiyo le nto imalunga noku, kwaye oku sikubhengeza ezinye iintlobo ezinokuba luncedo kwezi ntsuku zinzima.
- Ukuba unomdla wokuvula izikhundla kwi-BBVA, kuya kuba ngcono ukuba ulinde amathuba amatsha okungena kwixabiso lemarike yemasheya. Ewe kunjalo, eli asiloxesha lifanelekileyo, kude nalo. Ayothusi into yokuba unokulahleka ngaphezulu kunenzuzo kolu hlobo lomsebenzi. Ubuncinci ukulibazisa isigqibo sakho kwiiveki ezimbalwa okanye ubuncinci de ubuye kule holide yehlobo.
- Musa ukucinga ukuba ixabiso lezabelo zeBBVA linokungabizi kakhulu, kuba kunokuba njalo ngokuchasene noko. Ukuya kwinqanaba lokuba yenye yezona zinto ziphikisanayo kunaniselwano lwamanye amazwe kwaye ayingombandela wokungcakaza ngemali yakho kwisigqibo esingenangqondo, kodwa ngaphezulu kwako konke ngaphambi kwexesha.
- Kwelinye icala, le bhanki ayibonisanga inkalo yobugcisa Umona ngokwenyani, ukuba akunjalo ngokuchaseneyo ivelise amathandabuzo amaninzi phakathi kwabahlalutyi kunye nabatyali mali abancinci nabaphakathi. Thatha ithuba ledatha efanelekileyo ukuze uhlale ungasebenzi. Kuba ekugqibeleni uya kuphumelela kuso nasiphi na isicwangciso-mali osisebenzisayo kwezi zihlandlo zichanekileyo.
- Ukuba into oyifunayo kukuba ukusebenza ngokukhawuleza Ewe awuyi kujongana nexabiso elifanelekileyo lokusebenzisa le nkqubo ikhethekileyo yotyalo-mali. Ngale ndlela, awungekhe ulibale ukuba izabelo zeli qela lezemali ngoku ziphantsi koxinzelelo olusezantsi kakhulu. Kutheni ubeka emngciphekweni umnikelo wakho wemali?
- Kuyinyani ukuba unokufumana amaxabiso asezantsi elandelayo kwaye ngenxa yesi sizathu asibobulumko ukuya phambili ekusebenzeni. Akufanele uthenge kushushu njengoko unokwenza impazamo. Akufanele uthathe inyathelo ngeli xesha xa izabelo zebhanki yaseSpain ziye zancipha.
- Ukuba kwelinye icala unezikhundla ezivulekileyo, ayiloxesha elifanelekileyo lokwenza njalo sukushukuma. Kuya kuba bubulumko ngakumbi ukuba ulinde iintsuku ezimbalwa ukuze ubone ukuba izabelo zeBBVA ziguquka njani. Enye into eyahlukileyo kakhulu kukuba ukuwa kwimarike yemasheya mihla le kwaye kubaluleke ngokukodwa.
Ngaba lithuba lokuthenga leBBVA?
Ngaphandle kokuba ezinye iinkampani ezincinci neziphakathi zinokucinga ngalo mzuzu, i-BBVA ayilo thuba leshishini. Ukuba akunjalo, ngokuchaseneyo, ubuchwephesha bayo buwohloke ngokubonakalayo. Ukuya kwinqanaba lokuba kubiza imali eninzi ukubuyela kwimeko yokuqala, ngaphambi kokuqhambuka kwengxaki eTurkey. Ewe kunjalo, kukho amanye amaqela amakhulu ebhanki athande ngakumbi ukuthatha isikhundla. Ngaphandle komngcipheko wokuziveza kunxibelelwano lwabo lwaseTurkey. Enye into eyahlukileyo kukuba ixesha lakho lokuhlala lililo eliphakathi nelide. Kule meko, kunokuba ngumdla ukuthenga izabelo zeBBVA ngesaphulelo kumaxabiso abo ezenzeke ekupheleni kweveki ephelileyo.
Kwelinye icala, icandelo lebhanki lelinye lamacandelo eshishini ekufuneka uwathintele kwezi ntsuku zingaqhelekanga kwizabelo zamazwe ngamazwe. Ngokuqinisekileyo ayisiyiyo yokubheja intle onokuyithatha ngoku. Unamanye amacandelo okuzikhusela aboniswe ngomngcipheko osezantsi kwizicwangciso zotyalo-mali oza kuzenza. Oku akuthethi ukuba iibhanki ziya kuyifumana kakubi kwixesha elide. Hayi kangako, kodwa kufuneka ujonge amaxabiso aphantsi kwe- nditsho icace gca. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga esisiseko.
Okokugqibela, kulungile ukuba ukhumbule njengoko besesichazile ngaphambili ukuba ungafumana amaxabiso asezantsi kwezi zimbalwa zizayo kwaye ngenxa yesi sizathu ayibobulumko ukuba uqhubele phambili kwimisebenzi yamashishini. Alithandabuzeki elokuba kweli hlobo uzokwazi ukufumana amaxabiso asezantsi kunye nokuhlaziya okunomdla ngakumbi kunangoku. Kungenxa yokuba kwintengiso yesitokhwe, ukukhawulezisa ayingabo abacebisi abafanelekileyo, kwaye oku kuyinyani ngokugqibeleleyo kwizabelo zeBBVA. Nakuphi na ukuhamba okungalunganga kunokukwenza ulahlekelwe yimali eninzi kwiimarike zezemali.