Ukuba kukho icandelo elibuthathaka kakhulu okwangoku, alikho elinye ngaphandle kwebhanki. Kukumanqanaba asezantsi kwiminyaka yakutshanje kunye namazinga enzala ngokuchasene nomdla wabo. Ukuya kwinqanaba lokuba i uxinzelelo oluvela kwizikhundla ezimfutshane inyanzelisa abathengi. Ngokuphuma kwemali enkulu kwezi zikhuseleko kwiimarike zezabelo. Ngokuncitshiswa okubonakalayo kwinzuzo yezi nkampani zibaluleke kakhulu kwiimarike zamasheya kwihlabathi liphela.
Kwanele ukukhumbula ukuba ngokubhekisele kukhuseleko lwecandelo lebhanki kwisalathiso esikhethiweyo semakethi yesitokhwe, i-Ibex 35, icandelo elilungileyo labameli bayo sisiqingatha sexabiso ngokunxulumene nexabiso leminyaka embalwa edlulileyo. Ngale ndlela, kunokubonakala ngathi xa beyibona nje ukhetho olungenaxabiso kwaye inokuba yinto yokuthenga kwethu ukusukela ngoku. Ngokuthengisa kwangaphambili ngamaxabiso okhuphiswano ngenxa yokuncitshiswa kwamaxabiso.
Ngelixa kwelinye icala, babonile indlela abasinciphise ngayo isivuno sabo seminyaka emithathu edlulileyo. Ukuhamba usuka kwi-5,50% uye kwi-4,90% ngokomndilili kuzo zonke iinkampani ezidwelisiweyo. Inyani yokuba ngokungathandabuzekiyo yoyike ezona profayili zotyalo-mali zilondolozayo. Apho ukhuseleko lukhona ngaphezulu kwezinye izinto ezinoburharha kwizicwangciso zotyalo-mali. Nangona iBanco Sabadell isagcina inzuzo yayo Isahlulo esingaphezulu nje kwe-9%. Ngamanye amagama, okwesibini okuphezulu kuzo zonke iziqinisekiso ezibhalwe kwi-index ye-Spanish equities, i-Ibex 35.
I-BBVA enezinto ezimbi zobugcisa
Enye yeebhanki egcina ezona meko zibi kumaxabiso ayo ngokuchanekileyo yi-BBVA. Apho, ukongeza, ukubonakaliswa kwayo okuphezulu eMexico, apho inokutyala imali ezizigidi ezingama-6.000 zeerandi, yenza ukuba isitokhwe sihlupheke, njengoko kuchaziwe yiCredit Suisse. Ngokubonisa ukuba iyaphuma kuhlaziyo olunokubakho ngokuzimisela ngeli xesha nge Ixabiso ekujoliswe kulo ngezantsi konyaka-2018. Iibhanki zotyalo-mali zaseSwitzerland zikwabonisa ukuba izabelo zabo zingaphantsi komndilili wecandelo lonke.
Zonke ezi ndaba zidlala ngaphandle kwamathandabuzo ngokuchasene nemidla yale bhanki yomntu ngamnye. Apho ixabiso laso ngesabelo ngasinye lehle kakhulu kwiiseshoni zokurhweba zakutshanje ngenxa yemeko yazo kwezinye iindawo apho kukho eli xabiso lebhanki. Njengomzekelo, kwi EMexico naseTurkey kwaye ichaphazela umgca wakho ongezantsi. Ngokuncipha kwezibonelelo zayo ezinokuthi ziphazamise icandelo lobuchwephesha elinikwa leli qela lezemali. Apho nangaliphi na ixesha ukulungiswa kwamalungu eli candelo libalulekileyo kwimarike yemasheya kungabuya kwakhona. Kwaye okubi ngakumbi, ngamandla amakhulu ekuweni.
Sabadell kwimeko elalisiweyo
Kuzo zonke, elona xabiso libonisa eyona nto ibalulekileyo yobuchwephesha ngaphandle kweSabadell. Kubaqalayo, ithengisa ngaphantsi kweyunithi ye-euro. Ngokukodwa, izabelo kwinqanaba le-0,92 euro kwaye zinokuthengisa zisezantsi ukusukela ngoku. Inyaniso yokuba ithengisa ngezantsi Iyunithi ye-euro kububungozi obucacileyo kuba amaxabiso akule meko akufumanisa kunzima ukuphuma kula manqanaba. Njengoko kwenzekile nolunye ukhuseleko kwimarike yaseSpain eqhubekayo. Ayothusi into yokuba unokulahleka okungaphezulu kunenzuzo kula manqanaba amaxabiso.
Ngelixa kwelinye icala, imeko yayo yeshishini ayintofontofo kuba ineengxaki zemali kwaye konke oku kubonakala ngokuhambelana namaxabiso. Ukuya kwinqanaba lokuba inokunyuka iye kumanqanaba kufutshane kakhulu ne-0,79 euro isenzo. Ngayiphi na imeko, ilahlekile phantse isiqingatha sexabiso layo lentengiso kwisithuba esifutshane kakhulu sexesha. Apho uxinzelelo lokuthengisa lubekwe ngokucacileyo komthengi. Kwaye okona kubi kakhulu, kubonakala ngathi iya kuqhubeka ngolu hlobo ixesha elide. Ke ngoko, kungcono ukuhamba kude nezikhundla zakho okwethutyana. Ngokuba lelinye lamaxabiso ayingozi kakhulu e-Ibex 35 ngenxa yomngcipheko oveliswe zizikhundla zayo.
ISantander ingezantsi kwee-euro ezingama-4
Ngubani owayezakuthi eyona bhanki yelizwe izakuba kule meko ngoku. Ngexabiso ngaphantsi kwezinto ozilindeleyo Ngokwenene lukhuseleko oluye lwacetyiswa kakhulu ngabahlalutyi beemarike zezabelo. Ngale ndlela, kufanele ukuba kuqatshelwe ukuba iBanco Santander ifumene inzuzo ene-1.840 yezigidi zeerandi kwikota yokuqala ye-2019, i-10% ingaphantsi kunakwelo xesha linye lonyaka ongaphambili (-8% kwi-euro rhoqo), ngenxa Ukuhlawuliswa ngentsalela ye-108 yezigidi zeerandi ngenxa yokuthengisa iiasethi kunye nohlengahlengiso.
Le ntlawulo ibandakanya Izigidi ezili-150 zeerandi zeenzuzo ezinkulu Ukuthengiswa kwe-51% yesabelo kwiPrisma eArgentina kunye ne-180 yezigidi zeerandi zelahleko ezivela kwintengiso yeepotifoliyo yeendawo zokuhlala eSpain. Ngayiphi na imeko, ezi ziziphumo zeshishini ezingakhange zivelise impendulo ecacileyo kwiimarike ze-equity. Akukho ngqondo inye nakwezinye kwaye abanalo nefuthe ekuxabisweni kwezabelo zabo kwiimarike zezemali njengoko zithathwa njengezingathathi cala.
Ibhanki encinci kwindawo ebonakalayo
Ziibhanki ezincinci neziphakathi ezivuselela umdla wabatyali mali abancinci nabaphakathi. Kodwa hayi kuba beqhuba kakuhle kwiimarike ze-equity. Ukuba akunjalo ngokuchaseneyo, kukho amarhe okugxininisa anokuvela kwicandelo kwaye kuwo onke amachibi akhoyo Liberbank. Kwelinye icala, kwaye ngokweziphumo zayo zamashishini zamva nje, kubonakala ngathi ukuphucuka kwempembelelo yorhwebo lomsebenzi oqhelekileyo kudityanisiwe, ngokukhula komyinge wenzala nge-8,6 yepesenti, kunye nokuqulathwa kweendleko, ngonciphiso Iindleko zolawulo lweepesenti ezingama-2,7.
Ngelixa kwelinye icala, inzuzo yenzuzo inokukhuthaza amaxabiso ezabelo zabo ukusukela ngoku. Nangona kunjalo, le datha iyalahlekisa kwaye ayikhange iqokelelwe kakuhle ziimarike zezabelo. Ngokuqonda ukuba imeko yangoku yamanye amazwe ayixhamli kwimidla yakho. Kufuneka iqatshelwe ukuba lelinye lawona macandelo asebhankini aguquguqukayo kuwo onke. Kwaye le yinxalenye yamachibi kwisakhelo esitsha apho i-Spanish banking iza kuphuhla khona ukusukela ngoku.
Kufuneka wenze ntoni kwicandelo?
Ngaphambi kokwenza naluphi na uhlobo lwesicwangciso kwicandelo, kufanele ukuba kuqatshelwe ukuba bonke banomngcipheko omkhulu ngalo mzuzu kanye. Ke ngoko, kufuneka zithintelwe, ubuncinci kwezi nyanga zidlulileyo zalo nyaka. Ngale ndlela, kukho olunye uthotho lokhuselo olunqweneleka ngakumbi ngalo mzuzu, njengaleyo ivela icandelo lombane. Apho ezinye zeenkampani ezidwelisiweyo zikwimeko yokunyuka simahla. Yeyona nto ibalaseleyo kuzo zonke kuba abasenako ukumelana ngaphambili kwaye le nto inokubangela ukuba amaxabiso abo afikelele kumanqanaba aphezulu kakhulu.
Kwelinye icala, enye yeenzuzo zokulinda kukhuseleko lwecandelo lebhanki kukuba unokuthenga izabelo ngamaxabiso asezantsi kakhulu kunalawo acatshulweyo okwangoku. Ngenxa yesi sizathu, akukho mathandabuzo ukuba ukubanakho ukuphinda kuhlaziyeke kungaphezulu kakhulu kule minyaka imbalwa izayo. Ukuza kuthi ga ngoku kwithuba eliphakathi nelide inokuba lithuba leshishini lokwenyani. Phakathi kwezinye izizathu, kuba izabelo zayo zinokuthengwa ngamaxabiso asezantsi ebengenakucingelwa kwiinyanga nje ezimbalwa ezidlulileyo. Ke ngoko, akukho khetho ngaphandle kokulinda, linda ulinde.
Okokugqibela, kufuneka kukhunjulwe ukuba amaxabiso enzala kwindawo ye-euro akumanqanaba abo, akukho nto inokwenza nala maxabiso. Isitshixo silele ngalo mzuzu zitshintsha kwaye ngakumbi kweziphi iimeko. Kungenxa yokuba ingangumzuzu oqinisekileyo wokuthatha izikhundla kwicandelo. Apho baya kuthi benze ngokungcono kunalo lonke urhwebo lwezemali. Ewe kunjalo, licandelo elinamandla kakhulu elinokusetyenziselwa ukwenza ukuthengisa ngetyala. Oko kukuthi, ukufumana kunye nokusebenza ngokulahleka kwexabiso. Kwiintshukumo ekufuneka zenziwe kwixesha elifutshane ukunqanda ububi obukhulu ngenxa yomngcipheko wokungazinzi okuphezulu. Ke ngoko, akukho khetho ngaphandle kokulinda, linda ulinde.