Ngomnye wemibuzo yeklasikhi ebuzwa ngabatyali mali abafuna ukuvula izikhundla kwicandelo lokugcina imali kwaye siza kuzama ukuqonda. Zimbini iibhanki ezimbini ezinkulu ezidweliswe kwisalathiso esikhethiweyo sezabelo zamazwe kwaye zigcina imeko efanayo. Kodwa kwiinyanga ezidlulileyo bathathe iindlela ezithile ngumahluko othile. Ukuza kuthi ga kwinqanaba lokuba baphantse balingana namaxabiso abo kwimarike yemasheya.
Kukho elinye idinomineyitha phakathi kweSantander kunye neBBVA kwaye yile yokuba kuzo zombini iimeko bahlawula izabelo kubanini zabelo. Ngenzuzo emalunga ne-5% ukuya kwintlawulo zonyaka ezine kwaye zibekwe kwinqanaba eliphakathi lamaxabiso anezi mpawu. Kubatyalomali abafuna ukwakha ipotifoliyo yokhuseleko lwemali olugcinekileyo kwizabelo nakweyiphi na into eyenzekayo kwiimarike zezabelo. Ukuba yenye yeempawu zayo iminyaka emininzi.
Ngelixa kwelinye icala, ezi bhanki zimbini zikhokelele ubomi obulinganayo obukhokelele abatyali mali ukuba babe namathandabuzo amaninzi malunga nokuba loluphi ukhuseleko abanokukhetha ukulifaka kwipotifoliyo yabo. Kuzo zombini iimeko, ziyenye yeetshiphusi ezibaluleke kakhulu kwimarike yaseSpain. Ngonobumba omkhulu kwaye apho yonke imihla izihloko ezininzi zihamba kwaye zitshintshe ukusuka kwisandla esinye ukuya kwesinye. Oko kukuthi, banemali eninzi, enye yezona ziphezulu ngaphakathi kwe-Ibex 35.
I-BBVA kunye ne-Santander: iiyantlukwano
Uzinzo ekuguqulweni kwamaxabiso yinto ebesoloko ibonisa uBanco Santander rhoqo. Kule minyaka idlulileyo ihambile ukusuka ku-3,50 ukuya kuma-6 euros ngesabelo ngasinye, ibonelela ngozinzo olukhulu kubatyali mali abancinci nabaphakathi. Ngaphezulu kwezinye izindululo ezinikezelwa ngamashishini alinganayo kuzwelonke. Oko kukuthi, akukabikho hlaziyo lukhulu okanye ilahleko enkulu kwixabiso. Ngaphandle kwezi veki zimbalwa zidlulileyo apho isiya kumanqanaba ee-3,50 zeerandi emva kokulahleka phantse iyunithi enye ye-euro kwisithuba esifutshane kakhulu sexesha.
Kule meko, kunokuthiwa eli xabiso lebhanki lizinzile kuneBBVA. Ngexesha apho icandelo lebhanki alikho kwizikhundla ezifanelekileyo njengoko zohlwaywa ngokuqatha ngenxa yenqanaba eliphantsi lenzala kwindawo ye-euro, eyonakalise iziphumo zayo zeshishini. Abahlalutyi bezezimali bade bacinge ukuba inokuhla iye kwi-3,20 euro apho amanqanaba aya kuba lithuba lokwenyani lokwenyani. Ngokuxabisa okunokubakho njengodidi olugqwesileyo.
I-BBVA ilahlekelwa ngama-50%
Enye into eyahluke kakhulu yile yenzekayo kwi-BBVA kwaye ayikayeki ukuwa okoko ithengise kumanqanaba asondele kwii-euro ezingama-9 kwiminyaka embalwa edlulileyo. Ngeli xesha lexesha, iipesenti ezingama-50 zoqikelelo lwamaxabiso kwimarike yemasheya esele ishiye ngasemva. Ngokurhweba malunga nee-euro ezingama-4,50 kwaye usondela kule yomntu okhuphisana nayo. Imida iye, ewe, inciphile kwaye oku kuthetha ukuba i-BBVA inokuba yinzuzo ngakumbi kwixesha eliphakathi nelide. Ayothusi into yokuba lelinye lamaxabiso eliye lenza owona msebenzi mbi kwi-Ibex 35.
Enye into edlalileyo ngokuchasene naye ngumcimbi wezomthetho anokuntywiliselwa kuwo ngenxa yamatyala orhwaphilizo abuchaphazele ubunkokheli bangaphambili. Kwaye ngaphandle kwamathandabuzo kuyaphikisana nomdla wequmrhu kwiimarike zemali. Ngaphandle kokubhengeza kwiimarike ezikhulayo, ezinjengeMexico neTurkey, ezingakhange zivelise iziphumo ezinqwenelekayo kubatyali mali. Apho ukuthengisa ngoku kunyanzelisa ngokucacileyo kumthengi. Ngaphandle kobunzima bayo obuthile kwiibhanki zaseSpain.
Ixesha elide elinenzuzo
Zombini iibhanki zorhwebo ziyavumelana ngento enye kwaye kukuba xa iingxaki kwicandelo lebhanki zisonjululwe kwaye amaqondo wenzala enyuka kwakhona, banokwenza ngcono kunamanye amaxabiso esalathiso esikhethiweyo sezabelo zaseSpain. Kodwa kusenokwenzeka ukuba ide yenzeke le nto kuyakufuneka silinde iinyanga ezininzi okanye iminyaka. Kungenxa yokuba iibhanki ezimbini bezikwindlela ecace gca yokuhla ezinyangeni ezininzi kwaye kuyakuthatha umzamo omkhulu ukuphuma kuyo. Nangona bekwimeko ecacileyo yokufumana ngaphezulu kwaye ngokwale mbono banokuba lithuba loshishino lokuhlaziya ukonga ukusukela ngoku.
Bona abaxabisekanga kwixabiso labo kwaye into elungileyo abanayo sele benendlela encinci yokuhla. Ukusuka kweli nqanaba banokuthenga ngakumbi kunokuthengisa. Ngaphandle komngcipheko obandakanyekayo ekusebenzeni kwabo, ngakumbi kule meko ngokubanzi, engathandekiyo kwicandelo lokugcina imali. Apho okwethutyana banokuqhubeka nokuwa kwaye nangamandla athile, njengoko kwenzekile kweli hlobo. Ngayiphi na imeko, akusayi kubakho khetho ngaphandle kokuzibeka kwi-radar ukujonga ukuba leliphi ixesha elifanelekileyo lokuvula izikhundla. Ukungazinzi okube yenye yezona ziqhelo zazo kwiinyanga ezidlulileyo.
Ngonobumba omkhulu kwaye apho yonke imihla izihloko ezininzi zihamba kwaye zitshintshe ukusuka kwisandla esinye ukuya kwesinye. Oko kukuthi, banemali eninzi, enye yezona ziphezulu ngaphakathi kwe-Ibex 35. Kodwa kusenokwenzeka ukuba ide yenzeke le nto kuya kufuneka silinde iinyanga ezininzi okanye neminyaka.
Thelekisa kwiibhanki zombini
Ngokubhekisele kwi-Banco Santander, phakathi kwisiqingatha sokuqala sonyaka, umda wenzala yayizi-17.636 yezigidi zeerandi, i-4% ngaphezulu kunakwelo xesha linye lonyaka ophelileyo, ngelixa imali mboleko kunye nabathengi ikhule nge-4% kunye ne-6% ngokwahlukeneyo, kwii-euro rhoqo (Oko kukuthi, ngaphandle kwempembelelo yamaxabiso otshintshiselwano). Kwikota yesibini, ibhanki inyuse inani labathengi ngesigidi esinye, ngoku iSantander ikhonza i-142 yezigidi, ngaphezulu kwayo nayiphi na enye ibhanki eYurophu naseMelika.
Zonke iinkonzo zedijithali zihlanganiselwe kwicandelo elitsha leSantander Global Platform ukuqhuba iqhinga. Ukwamkelwa kwedijithali kuqhubekile nokukhula kwisemester kwaye sele kukho abathengi abazizigidi ezingama-34,8 basebenzisa iinkonzo zedijithali YeSantander. Ngokomndilili, abathengi abangama-240 bangena kwelinye lamaqonga ebhanki ahambayo okanye edijithali qho ngomzuzwana, emele ukwanda kwe-28% kwiinyanga ezili-12 ezidlulileyo. Apho, umgangatho wekhredithi uqhubekile ukuphucuka, ngokuncitshiswa komgangatho wobugwenxa bamanqaku esiseko esi-11 kwikota, ukuya kwi-3,51%, ngelixa iindleko zekhredithi zihlala zizinzile kwi-0,98%.
Iindleko kulwakhiwo ngokutsha
Ngokubhekisele kwi-capital ratio, i-CET1 ngoku ikwi-11,30%, ngamanqaku angama-50 ngaphezulu konyaka ophelileyo, kwaye iSantander iseyeyona bhanki inenzuzo kwaye isebenzayo emhlabeni phakathi koontanga bayo, nembuyekezo kwiimali eziqhelekileyo ezibonakalayo (RoTE) ze 11,7%, kunye nomlinganiso wokusebenza kwe-47,4%. Emva kwentlawulo ye-108 yezigidi ebhengezwe kwikota yokuqala, ibhanki irekhode umrhumo omtsha we-706 yezigidi kwikota yesibini, ikakhulu iindleko ze Uhlengahlengiso olucwangcisiweyo eSpain nase-United Kingdom (626 yezigidi zeerandi), kunye nezibonelelo ezongezelelweyo zeinshurensi yokhuseleko yokuhlawula (i-PPI) e-United Kingdom (i-80 yezigidi zeerandi).
Ezi ntlawulo zibangele ukuwa kwinzuzo enokubakho kwikota yesibini ye-18% ngonyaka, ukuya kuthi ga kwi-1.391 yezigidi zeerandi. Ngaphandle kwala matyala, ikota yesibini yenzuzo yesiqhelo ibingama-2.097 ezigidi zeerandi, i-5% ngaphezulu kwekota enye yonyaka ophelileyo: eyona nzuzo iphezulu yekota ukusukela ngo-2011, eqhutywa kukwanda okunamandla kwemali-mboleko eLatin America, ukuphucula ukuqhubeka kwenzuzo eMntla Melika njenge kunye neendleko ezincitshisiweyo eYurophu.
Iziphumo zeBBVA
Ngokubhekisele kwi-BBVA, ifumene inzuzo eyi-2.442 yezigidi zeerandi kude kube yikota yesibini ye-2, emele umahluko we -2019% xa kuthelekiswa nelo xesha linye lonyaka ophelileyo, njengoko bekuxeliwe yinkampani kwiKhomishini kaZwelonke yeMarike yoKhuseleko ( I-CNMV). Kwiphepha, ibhanki ichaze ukuba iziphumo zibekwe kwimeko yokuwohloka kweasethi yezemali, isiphumo sezidingo ezinkulu eMelika, eMexico naseTurkey, ngakumbi kwikota yokuqala.
Nangona kunjalo, i-CEO yebhanki, u-Onur Genc, uphawule "ngeziphumo ezigqwesileyo" ezifunyenwe yibhanki kwikota yesibini yonyaka, ixesha apho inzuzo ifikelele kwi-1.278 yezigidi. Kwikota yonyaka, le nzuzo yekota ibiyi-2,6% ngaphezulu kubandakanya iBBVA Chile, eyayithengiswa liziko ngoJulayi 2018, nangona ngaphandle kokuthathela ingqalelo inkxaso-mali yaseChile, isiphumo siya kuba yi-6% ngaphezulu. Kwidatha eye yadanisa uninzi lwabatyali mali abakhethe ukulungisa izikhundla kweli xabiso lesalathiso esikhethiweyo sezabelo zamazwe, i-Ibex 35.
Ibhanki yaseSantander ibhetele