Elinye lawona macandelo asebenzayo kwiinyanga ezidlulileyo zeemali ezilinganayo kukubhankisha. Emva kweziganeko ezithe zenzeka malunga ne I-Santander kunye neBhanki ethandwayo. Kodwa baninzi abatyali zimali abalinde uguquko lwelinye lezona zinto zinzima zecandelo lebhanki, ezinje ngeBBVA. Kukho abahlalutyi abaliqela bezezimali abaqikelela ukuba inokuba sisimanga esihle kwiinyanga ezimbalwa ezizayo. Nokuba unokuphinda uhlaziye ngaphezulu kwamaxabiso e-Ibex 35.
I-BBVA yenye yeetshipsi eziluhlaza kwimarike yesizwe kunye nobunzima bayo yonke into eyenzekayo kwisalathiso esikhethiweyo. Ukulunga kokubi nakweyiphi na imeko yenye yeebhanki ezimbini ezinkulu ze I-panorama yesizwe. Ukuza kuthi ga kwinqanaba lokuba ubekhona kwindawo elungileyo ye- iipotfoliyo zotyalo mali thaca ngabatyali mali abancinci nabaphakathi. Bambalwa kubo abangakhange babe phantsi kwayo nayiphi na imisebenzi yakho kwiimarike zezemali. Unokuba sele uthenga ngeli xabiso libalulekileyo ngoku.
Ukuphindaphindeka kwamaxabiso ezabelo zeBBVA kubonakala ngokukhawuleza ekuziphatheni kwamashishini alinganayo kuzwelonke. Ukuba yenye yezona zinto zibalulekileyo kwaye ikhoyo nakulo lonke uhlalutyo lokuba ezona zinto zibalulekileyo zeefemu bezisenza. Ngokuhlaziywa okuqhubekayo kwixabiso lakho ekujoliswe kulo kwaye oko kunokukunceda ukuba uphuhlise isicwangciso esichanekileyo sokuvula okanye sokubuyisa izikhundla kweli xabiso libalulekileyo. Kwaye ngakumbi iphanorama yesiphithiphithi secandelo lokugcina imali kwilizwekazi laseYurophu.
I-BBVA: iziphumo zeshishini
Ngaphambi kokuba uthathe isigqibo malunga neli ziko lemali, kucetyiswa kakhulu ukuba ube nombono ocacileyo malunga nokuba injani imeko yeshishini lakho. Ewe, iziphumo zamva nje athe wazibonisa zibonisa ukuba imeko yakhe iyathandeka ngokucacileyo ukuze ukwazi ukuthenga izabelo zakhe ukusukela ngoku. Kuba, zezona zilungileyo kule minyaka mibini idlulileyo kwaye eli rhulumente kufuneka libonakalise ekuphuculeni amaxabiso ezinto kuludwe lwazo kwiimarike zemali. Nangona ingenakwaziwa ngezavenge, iya kusebenza.
Kungenxa yokuba kulo nyaka kuvelisiwe Ityala eliyimali lizuze i-180 yezigidi zeerandi ngenxa yentengiso yebhanki yaseTshayina. Ngokubhekisele kwiindawo zeshishini, iMexico ilahla ubunzima obuthile kwiqela lezemali, ngaphandle kokuphucula iziphumo zayo. Ngenzuzo epheleleyo ekhula nge-10%. Ngelixa ngokuchaseneyo, intengiso yesizwe ngokwayo ifumana ubunzima ngakumbi kwiiakhawunti zebhanki, ifumana phantse iipesenti ezingama-55 ngeli xesha. Ezinye iiakhawunti, ezo ngokubanzi, zamkelwe kakuhle kakhulu ngabatyali mali.
Zuza iipesenti ezingama-69 ngaphezulu konyaka ophelileyo
Ukuba uceba ukuthatha isikhundla kweli qela lezemali, kuya kufuneka uyazi ukuba kwikota yokuqala yonyaka uzuze i-1.200 yezigidi zeerandi. Olu datha luthetha ukuba inzuzo yakho inyuke kungengaphantsi kwe-69% ngeli xesha. Ngayiphi na imeko, lingumlinganiso ophakamileyo kunoko kulindelwe ziimarike zezemali kwaye ngenxa yoko kufuneka itolikwe ngokwembono entle kubo bonke abatyali mali. Kwaye inqanaba lotshintshiselwano lidlalile ngokuchasene nomdla webhanki. Kungenxa yokuba ukuba bebengekho, imbuyekezo yabo ibiya kuba ifikelele kwipesenti ephezulu, ngakumbi i-79%.
Iingxelo zabo bonke abahlalutyi bezemali zibonisa ukuba iziphumo zibonisa amandla e-BBVA okwenza ingeniso ephindaphindayo kuyo nayiphi na imeko. Akumangalisi ukuba enye idatha yokubaluleka okukhethekileyo evezwe kwiiakhawunti zeshishini kukuba iindleko ziyancitshiswa nge-1%. Ngelixa ngokuchaseneyo, Inzala yenzala inyuke nge-4,1%. Ayinakulityalwa ukuba yenye yezinto ezisekwe kwimisebenzi yorhwebo lweebhanki kwaye ithathe isigqibo ngokujonga ubume beeakhawunti zabo zeshishini.
Uluhlu lwesitokhwe
Izabelo zeBBVA zixabisile kulo nyaka ziipesenti ezili-16. Intsebenzo enokuthi ithathelwe ingqalelo njengeyanelisayo kubatyali mali, kodwa ngaphandle kokufikelela kwimida yamanye amaziko ezezimali abonise ukusebenza okungcono kwizabelo zamashishini ezizwe. Njengakwiimeko ezithile ze IBanco Santander kunye neBankia. Nokuba yeyiphi na, yenye yeendlela zokuziphatha ezinoluhambo oluchazwe ngakumbi ziinkampani ezidwelisiweyo zaseSpain.
Ewe kunjalo, ayinakulityalwa ukuba kutshanje izabelo zayo bezithengiswa kumanqanaba ee-euro ezine. Ke ngoko, kufutshane ne-100% iya kube ivelisiwe ukuba la maxabiso athatyathwa njengesalathiso. Ngenzuzo engentla ebonelelwe ngamanye amacandelo emarike yemasheya ngokubaluleka okuthile kwiimarike zezemali zesizwe. Ukusuka kolu luvo, ayothusi into yokuba icandelo elihle labahlalutyi bezemali lukhetho lokuba inxenye yokuxabiseka kwayo sele igqityiwe.
Nokwabiwa kwesahlulo
Enye yezinto ezikhuthazayo zokurhuma kwizabelo zale bhanki ibalulekileyo lulwabiwo-mali olwenziwayo minyaka le. Ngenzuzo ejikeleze i-6% yenziwe ngokusesikweni ngeentlawulo ezine zonyaka eziza kuya kwiakhawunti yakho yokutshekisha. Isizathu sokuba lixabiso elilunge kakhulu kwezona portfoliyo zotyalo-mali. Kuba abanini bayo baya kuba nakho ukubhatala ngokuthe ngqo nangokuqinisekileyo rhoqo. Ngaphandle kokuvela kwayo kwiimarike zemali.
Lo mvuzo unikwa bonke abaninizabelo wenza ibango lokutsala abatyali mali. Kuba izahlulelo zayo zikuluhlu oluphakathi lwale shareholder umvuzo kwaye zifana kakhulu naleyo inikezelwa ngamanye amaziko emali. Ngayo ibonisa imithombo emibini yengeniso kwaye oko ubukhulu becala kunceda ekukhuseleni ugcino kwezona meko zimbi zeemarike zezabelo.
Iimpawu zeli xabiso
Ngayiphi na imeko, yi- Ixabiso eliqinileyo kwaye oko kuhlala kungenzi ukuhla okukhulu kwixabiso lesikowuteshini salo. Akumangalisi ke ukuba ayibonakalwanga kukungazinzi okuphezulu. Kodwa, ngokuchaseneyo, yahlulwe ngozinzo oluthile kutshintsho olunikezela ngalo lonke usuku lokuthengisa. Kuqhelekile ukuba ungafumana ilahleko enkulu ukuba ukhetha ukuvula izikhundla kwesi siphakamiso sentengiso yemasheya yaseSpain. Kodwa ngenxa yesizathu esinye, sukujonga ukuba ngusozigidi ngobusuku ngeli xabiso nokuba.
Olunye lweempawu zalo eziphambili kukuthengiswa okukhulu okuboniswa kwiimarike zezemali. Enye yezona ziphezulu kwi-Ibex 35 kwaye inokukunceda ungene kwaye uphume kwizikhundla zabo ngokulula nangakumbi kuyo yonke intshukumo. Ukongeza, awungekhe ulibale ukuba yonke imihla kukho izigidi zabatyali zimali abathe batshintsha izihloko zabo. Ngemisebenzi engenakubalwa, ukuthenga nokuthengisa. Ukuya kwinqanaba lokuba isenzo sayo sixhomekeke ekusebenzeni kwezona mali zibalulekileyo zotyalo-mali kwihlabathi.
Imbonakalo yalo nyaka
Xa kuziwa kwinto onokuyenza kwintsalela yonyaka, izimvo zeengcali zezabelo azingqinelani. Kude lee, kuba ezinye zazo zincoma ukuthengisa izabelo kuthathelwa ingqalelo ukuba inokukhula okuncinci kokuphela konyaka. Ngelixa ngokuchaseneyo, abanye bathi lixesha elifanelekileyo lokuthatha izikhundla kwi-BBVA. Kuba ibonelela ngokugqibeleleyo ulingano phakathi kokusebenza kunye nomngcipheko oko kubandakanya ukuqeshwa kwayo ukusukela ngoku.
Ngale ndlela, konke kubonakala ngathi kuninzi onokuphumelela kunokulahleka. Kodwa rhoqo ngononophelo olukhulu ekusebenzeni kwabo. Apho ulondolozo lwenkunzi kufuneka lubekhona ngaphezulu kwezinye izinto ezinoburharha. Nangona ii-euro ezisithoba ngesabelo ngasinye sisondele kakhulu kwizikhundla ezikhoyo, akucebisi ukuba nethemba. Kwezinye izizathu, kuba kukho izinto ezichasayo ezifanelekileyo apha endleleni. Ukuya kwinqanaba apho inokuthintela ukufezekisa le njongo kwixesha elifutshane neliphakathi.
Enye into ekufuneka ivavanywe ngeli xesha yimeko yangoku yezabelo zamashishini ezingenanzala emisiweyo. Imkile ekuvuseleleni ukuya kuluhlu olusecaleni, nkqu nocalucalulo oluncinci lwe-bearish. Akumangalisi ukuba inokonakalisa ixabiso lezabelo zayo kwaye ke ngekhe kumangalise ukuba kukho ezinye izilungiso kwiinyanga ezizayo. Unokusebenza njengendawo yokungena yokwenza ukonga kunenzuzo ngeli xesha.
Kukwaphawuleka ukuba ngumdla oqinisekileyo wexabiso lokuqokelelwa kwamaqela athile otyalo-mali. Babona kule bhanki ithuba lokuthenga elingaphezulu kwamanye amaxabiso abaluleke kakhulu. Eli nyathelo linokukhokelela kwiintshukumo ezibalulekileyo kwiimarike kwaye apho kuya kufuneka silindele kakhulu malunga nezinto ezinokwenzeka kwiintsuku okanye kwiiveki ezizayo. Ngayiphi na imeko, yenye yeenkampani ezisebenzayo kwiiseshoni zokugqibela zokurhweba.