Ukuba kukho ukhuseleko oludweliswe kwimarike yemasheya egcina imeko yezobuchwephesha ewohlokileyo, ngokungathandabuzekiyo yiBanco Sabadell. Ixabiso layo lithathe indawo enobungozi kakhulu kwaye ngoku lithengisa ngaphantsi kweyunithi enye ye-euro. Kwiiseshoni zokurhweba zamva nje akukho ngaphantsi kwe I-10% yenqanaba lakho engxoweni. Ukufikelela kwinqanaba lokuba igqibile ukulisinda lonke icandelo lebhanki ngokubanzi. Ngokuncipha kweBBVA, iSantander, iBhanki, iBankia kunye neebhanki zesizwe ezincinci. Kweliphi elona candelo libi ukuza kuthi ga ngoku kulo nyaka.
Inyaniso yokuba kungoku nje ithengisa ngaphantsi kweyuro enye yimeko eyingozi kakhulu. Kungenxa yokuba iinkampani ezidwelisiweyo ezikule meko kunqabile ukuba ziphume kweli nqanaba ngexabiso. Ngamanye amagama, kunzima kakhulu kubo ukuba bacaphule ngaphezulu kwe-euro kwakhona, njengoko kubonisiwe kutsha nje ngesisa esihle sezabelo kwimarike yaseSpain eqhubekayo. Ngomngcipheko ocacileyo hlala umile ixesha elingaphezulu okanye elingaphantsi kwexesha. Ngayiphi na imeko, ayizizo iziphakamiso ezinqwenelekayo zokuvula izikhundla ukusukela ngoku.
Eyona nto ibangele le meko ibuthathaka eBanco Sabadell ibe ziziphumo ezibi zeshishini kunyaka ophelileyo, ngo-2018. Abakholwanga ziiarhente ezahlukeneyo zezemali kwaye ngenxa yeli lungelo, uxinzelelo lokuthengisa lubekwe kumthengi. Nangona ewe, nge ubungqongqo obungaqhelekanga kwezi meko kwaye oko kuye kwakhokelela ekubeni izabelo zabo zishiywe zingekho ngaphantsi kwe-7% kwiseshoni enye yorhwebo. Ngeempembelelo ezicacileyo nezithe ngqo kulo lonke ukhuseleko olwenza icandelo lebhanki elinamandla laseSpain.
Sabadell: iziphumo ezibuthathaka kakhulu
Inyaniso yokuba okwangoku, izabelo zale bhanki ibalulekileyo zikwinqanaba lamaxabiso phakathi kwe-0,80 kunye ne-0,90 ye-euro kungenxa yokupapashwa kweziphumo zayo zeshishini ngo-2018. Apho iqela leBhanki iSabadell livale unyaka nge Inzuzo engenisiweyo ze-328,1 yezigidi ze-euro, emva kokugqiba ukufuduka kwe-TSB kunye nokugqiba ukucocwa kwe-balance sheet, eneempembelelo icinyiwe iyonke yi-637,1 yezigidi zeerandi. Ngaphandle kokuthatha ingqalelo kwezi zinto zingaqhelekanga, ukukhula kwinzuzo epheleleyo yi-9,6% ngonyaka-ukuya kunyaka, ukufikelela kwi-783,3 yezigidi zeerandi ekugqibeleni.
Malunga ne ishishini lebhanki (umda wenzala + iikhomishini zomnatha) zibonisa ukomelela kweshishini, ngokunyuka kwe-4,1% unyaka nonyaka kunye nokukhula kwe-2,4% kuthelekiso lwekota. Kwinqanaba leqela, ukukhula konyaka-ngonyaka kuku-2,9%. Kwelinye icala, umda wenzala opheleleyo wema kwi-3.675,2 yezigidi zeerandi ekupheleni kwe-2018 ngokukhula kwe-0,7 kuphela. Ngaphandle kwe-TSB, i-margin yenzala yomvuzo ifikelela kwi-2.675,5 yezigidi ze-euro kwaye imele ukukhula kwe-1,1% ngonyaka-nangekota, eqhutywa kukwanda kwevolumu.
Kuthathwe kakubi ngabatyalomali
Ziiakhawunti zonyaka ezingakhange zamkelwe kakuhle ziiarhente ezahlukileyo zemali. Ukuba akunjalo, ngokuchaseneyo, bakhonze ekulungiseni izikhundla ngobuninzi kwimeko ebucayi kakhulu kule bhanki idityaniswe kwisalathiso sezabelo zaseSpain, i-Ibex 35. Apho inyani yokuphulukana nokuzithemba phakathi abatyali mali. Ukuya kwinqanaba apho abahlalutyi abathile bezemali baye bathelekisa imeko yabo naleyo ye- Banco Popular. Nangona kunokuba yinto engakhathaliyo kwimeko yangoku.
Kwelinye icala, ayinakulityalwa ukuba abanini zabelo kule bhanki yesizwe balahlekile kwiinyanga ezilishumi elinesithathu ezidlulileyo phantse iipesenti ezingama-45 kuqikelelo lwamaxabiso entengiso yesitokhwe. Yimali eninzi ethe yenyuka ngomphunga kwisithuba esifutshane kakhulu sexesha, ngaphaya kokulahlekileyo kula maxesha achanekileyo. Kuba ngokukuko, sele kukho iiarhente ezithile zexabiso ezixabise amaxabiso ezabelo zabo kwinqanaba le-0,50 kunye ne-0,60 euro. Liliphi icandelo elitsha le-bearish eliza kushiya abatyali mali abancinci nabaphakathi bebanjiwe.
Ulwabiwo-mali oluzayo
Kukwabhengeziwe kwezi ntsuku ukuba ibhodi yabalawuli ivumile ukuhanjiswa kwemali eyongezelelekileyo eyabelweyo ye-0,01 euro ngesabelo ngasinye, ukongeza kwi-0,02 ye-euro esele yabelwe. Lilonke, i-0,03 ye-euro ngesabelo ngasinye, emele a intlawulo 50%. Ngale ndlela, izabelo zebhanki ziyaqhubeka ukuba zezona zinengeniso ngokubhekisele kule ntlawulo kumnini zabelo. Ngaphandle kokwehliswa okukhoyo kule ntlawulo yokutshintshiselana ngesitokhwe kwaye kuya kubakho kwiinyanga ezizayo. Ngokuhambelana neenjongo zamasheya aseleyo adwelisiweyo kwimakethi yezemali yaseSpain.
Ibe nefuthe kwiBanco Sabadell yokudibanisa imisebenzi eMexico Ukomeleza ishishini lakho kwilizwe elikuMbindi Merika. Ngayiphi na imeko, umsebenzi ubonakalisa iziphumo ezincumisayo zequmrhu eMexico, eliqhubeka nokudlula ukukhula okulindelweyo unyaka nonyaka, livala u-2018 ngokubekwa ngaphezulu kwe-37% ngokunxulumene neziphumo zonyaka ophelileyo, 2017 kwaye ibonisa ukuthathwa okuqikelelweyo kwe-316% xa kuthelekiswa ne-2017.
Ibhuza kwiinyanga ezimbalwa ezizayo
Nokuba yeyiphi indlela, kunokwenzeka ukuba kwiiveki ezimbalwa ezizayo okanye kwiinyanga ezimbalwa unokuphucula ukubuyela kumandla athile. Njengomphumo we yehla iphuhlile kwaye iya kuthi ihambelane nokulungisa unikezelo lwangoku kunye nemfuno kukhuseleko lwayo. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga izikhombisi ezisisiseko. Kuba enyanisweni, kuyinto eqhelekileyo ukuba ukubuyela kwakhona kwenzeke kwiintsuku ezimbalwa ezizayo, kwaye ngamandla amakhulu, kodwa ngaphandle kokulibala ukuba imeko yexabiso icace gca.
Logama nje ingabinakho ukubuyisa iyunithi ye-euro, kuya kuba nzima kakhulu ukuba ibe lukhuseleko olunenzuzo ukusukela ngoku. Ayothusi into yokuba kufanele ukuba kukhunjulwe ukuba kude kube kutshanje ibirhweba ngamanqanaba e- I-2 okanye i-3 euro ngesabelo ngasinye. Ukusuka kwinqanaba, akunakuthethwa ukuba izabelo zeBanco Sabadell zibiza ixabiso eliphantsi. Akuncinci kangako, ukuba akunjalo ngokuchaseneyo lixabiso elinyanzeliswa ziimarike zezabelo okwangoku. Nangona amathandabuzo engancedisi inkampani edwelisiweyo ukuzinza kumaxabiso ayo. Ngokuchasene noko, bayankqonkqoza phantsi kwenkxaso emva kwenkxaso.
Imeko embi yeebhanki
Ngaphakathi kwitoni embi yecandelo lebhanki elibalulekileyo, ukuba umnqweno wakho kukutyala imali kweli candelo, unokhetho olunokubanomdla ngakumbi ngeli xesha. Ngale ndlela, i Banco Santander kukuba isimilo esona silungileyo siyaphuhliswa kwezi ntsuku kwaye ngaphandle kokuhla kwaso. Ihamba kuluhlu olusuka kwi-4 ukuya kwi-5 ye-euro ngesabelo ngasinye. Kodwa kwelinye icala, liziko lezemali elibonisa ukungazinzi okuncinci kulungelelwaniso lwamaxabiso alo. Ngaphandle kokufikelela kumanqanaba okuwa uSabadell noCaixabank babonakalisile kwezi ntsuku.
I-BBVA, kwinxalenye yayo, inesaphulelo esibalulekileyo kwixabiso laso njengesiphumo sokuwa kwayo okuphawulekileyo kwaye oku kukhokelele ekubeni kudilize inkxaso eyomeleleyo ebinayo kwi-5 euro. Ukuya kuthi ga kwinqanaba lokuba amaxabiso alo kwimarike yemasheya alingane nokhuphisana nalo, iqumrhu elikhokelwe nguAna Patricia Botín. Ngexesha elitsha ulungiso ngokutsha lwecandelo lokugcina imali. Ngokufunyanwa okunokubakho okunokukhuthaza ukungazinzi okukhulu ukuba kwenzeke kubo bonke abameli becandelo.
Lindela ngaphambi kokuthatha izikhundla
Ngenxa yale meko ngokubanzi, kungcono kakhulu ukuba uphume kwintengiso okanye ubuncinci kwicandelo lokugcina imali. Ayothusi into yokuba kusekho isimanga esibi sokuvela esinokukwenza ulahlekelwe yimali eninzi kwizikhundla ezivulekileyo. Kuyacetyiswa ke, ukuba ulinde ngaphambi kokuba uthenge kuyo amaxabiso akhuphisanayo kunezo zibonisa ngezi zihlandlo zichanekileyo. Ngezaphulelo ezinokufikelela kwi-10% kwisithuba esiphakathi seenyanga ezintathu okanye ezintandathu. Awunyanzelekanga ukuba ulindele izehlo kwaye ubulumko buya kuba lixabiso elongeziweyo ngeli xesha.
Akunakulityalwa ukuba icandelo lebhanki ngokubanzi lelona linomdla kakhulu ekuqaleni konyaka. Nangona ngeli xesha, ukusuka kwinqanaba elibi lokujonga ukuba awunakuthintela ekuphuhliseni nasiphi na isicwangciso esiliqili sotyalo mali. Ayothusi into yokuba kuninzi onokulahleka apha endleleni kwaye kufanelekile ukuba uyithathele ingqalelo ngoku. Njengefomyula yokuphepha ilahleko kwiphothifoliyo yakho yezokhuseleko ekupheleni konyaka. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye kwanakwindawo yokujonga izikhombisi ezisisiseko. Kungenxa yokuba kuyinto eqhelekileyo ukuba ukubuyela kwakhona kwenzeke kwiintsuku ezimbalwa ezizayo, kwaye ngamandla amakhulu.