Ubunkokeli beBBVA etyholwa ngenkohliso: iya kuyichaphazela njani imarike yemasheya?

Imithombo yezomthetho iqinisekisile ukuba umantyi weNkundla yeSizwe ukuvumile ukubekwa kwebhanki kwisicelo seOfisi yoMtshutshisi weNkohlakalo ngokuchasene necala leTandem elinxulumene Izivumelwano zebhanki eVillarejo, eyaqala ngo-2004 phambi kokuba kuthathwe ngenkohlakalo ngu-Sacyr kwaye yaqhubeka de kwangowama-2017. Ngokwenyani, ijaji icele i-BBVA ukuba inyule umntu abe ngummeli phambi kwenkundla kodwa iyasikhaba isicelo sequmrhu sokuvela njengeqela elonzakeleyo.

Ngale ndlela, kufuneka icaciswe ukuba umtshutshisi ucele ukubekwa kwebhanki kwiveki ephelileyo emva kokuhlalutya amaxwebhu athathiweyo kwiirekhodi ezenziwa ngo-Novemba ka-2017 kwaye ezibonelelwe yi-BBVA. Apho kuphandwa amatyala aliqela akhoyo ngoku nangokudlulileyo kule bhanki, eyimfihlo, kubandakanya owayesakuba yi-CEO u-Ángel Cano kunye nomphathi wangaphambili wezokhuseleko u-Julio Corrochano, othumele ibheyile ye-300.000 ye-euro ukuba angangeni entolongweni.

Ngoku enye yeendawo ezishushu kweli xabiso lezinto ezikhethiweyo ze-equity eSpain, i-Ibex 35, yindlela izabelo zayo eziza kuphendula ngayo kwimarike yemasheya. Ayothusi into yokuba uloyiko phakathi kwabatyali mali abancinci nabaphakathi kukuba ukhuseleko lwabo lungawa kwakhona kwiiveki ezizayo. Yimeko esele imbi kakhulu emva kokuqala ukomelela ngamandla ukusuka kwi-9 euro ngesabelo ngasinye. Kwaye oko kukhokelele kurhwebo lwangoku ngokusondela kakhulu kumanqanaba ee-euro ezingama-5, oko kuthetha ukuba yehle nge-60% ngaphezulu. Ukuba lelinye lamaxabiso abi kakhulu kuzwelonke kwiinyanga ezilishumi elinambini ezidlulileyo.

I-BBVA: ungalanda ii-euro ezingama-4

Kwimeko apho ixabiso lezabelo zayo libi kakhulu, inyani yokuba ubunkokheli be-BBVA butyholwa ngolwaphulo-mthetho kunokuba Iziphumo ezixhalabisayo ukulungiselela umdla wabatyali-mali esele bethathe izikhundla kweli xabiso libalulekileyo le-Ibex 35. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha kwaye mhlawumbi nakwimbono yeziseko zayo. Kule meko ngokubanzi, kunjalo, ayinakugwetywa ngaphandle ukuba iya kundwendwela amanqanaba asezantsi kunalawo ikhoyo ngoku. Nokuba usondela kwii-euro ezingama-4 isabelo kwaye uzixhobisa ngeBanco de Santander.

Ngelixa kwelinye icala, enye into enomdla kubatyali mali abancinci nabaphakathi ilele kwinto yokuba isenzo sabo sinako thatha indlela eyingozi nangakumbi kuba ibhaptiziwe kumjelo wokuthengisa othembekileyo. Apho kungagunyaziswanga ukuba kungaya ezantsi kwixabiso lalo kwaye kude kudilize izixhasi ezintsha nezibalulekileyo. Ukuza kuthi ga kwinqanaba lokuba yenye yeebhanki enolona hlobo lobuchwephesha kwiinyanga ezintathu ezidlulileyo. Zonke iiparameter zonakalise ngamandla amakhulu kwaye zenza amathandabuzo malunga nokuba ixabiso linokuthini kwiintsuku ezizayo.

Ngokubuya kwexesha

Umba wayo wobuchwephesha wangoku awususi ithuba lokuba amaqhuma abalulekileyo kwaye anamandla enokwenzeka ngexesha lokumiselwa kwamaxabiso. Kodwa baya kukhonza, ngaphezulu kokuthatha isikhundla ngexabiso, ukubashenxisa ebusweni bokuba kunokwenzeka. Kungenxa yokuba ayinakulityalwa nokuba ukubonakala kwezalathiso eziphambili zaseYurophu akuyona eyona inqwenelekayo. Apho kulwelwa i-Ibex 35 hlala ngaphezulu kwamanqaku angama-9.000 kwaye ukunkqonkqoza phantsi kungathatha ukuya nakweyona ndawo iphantsi. Into enokuthi ichaphazele izabelo zeBBVA kwaye ngakumbi kwimeko ngokubanzi apho iziko lezemali lizifumana likulo mzuzu.

Ngaphandle kwento yokuba icandelo elincinci labatyali mali abancinci nabaphakathi banokutolika ukuba amaxabiso abo okwangoku atshiphu kakhulu. Ikhethekile, xa kwiinyanga nje ezimbalwa ezidlulileyo yayithengisa malunga nee-euro ezingama-8 ngesabelo ngasinye. Oko kukuthi, yehliswe ngesiqingatha kwaye ayibonisi izinto ezininzi ezintle ngexabiso. Ukuba akunjalo, ngokuchaseneyo, kubonisa ubuthathaka obubonakalayo obunganiki kungcangcazela okuhle ukungena kwizikhundla zabo ukusukela ngoku. Ayothusi into yokuba kukho okungakumbi okuphulukana nokufumana kwaye le nto kufuneka isenze silumke ngakumbi ekusebenzeni nenkampani edwelisiweyo.

Icandelo elihlwaywe kakhulu

Kuzo zombini ezi meko, icandelo lebhanki lelona lelona lizwe libethekileyo kwiimarike zezabelo. Umbuzo ngowokuba uza kuwugcina lo mkhwa kwezi veki zimbalwa zizayo. Kungenxa yokuba ukongeza, akukho mathandabuzo ukuba iya kuba yenye yezona zohlwaywa kwimeko apho iBrexit eyomeleleyo ikhula koku kuwa. Apho ukuhla okutsha kunye nokuqina kwexabiso kunokubonwa kunokubangela ukuba i-BBVA ifane kulungelelwaniso lwamaxabiso ayo kunye Banco Santander Okwangoku kuthintelo lwengqondo lwe-4 euro.

Ngelixa ngokuchaseneyo, kunethemba elincinci lokuba eli xabiso lentengiso liya kubuyela kumanqanaba eminyaka edlulileyo. Ubuncinane ngokubhekiselele kwixesha elifutshane neliphakathi, eli lixesha lokuzinziswa kwabatyali mali abancinci nabaphakathi. Kunye isivuno sesahlulo okwangoku yi-4,5%. Ewe ayisiyeyona iphakamileyo ye-Ibex 35 kodwa ithatha intlawulo esisigxina kunye neqinisekisiweyo minyaka le. Ngandlela ithile iyahambelana naleyo yamanye amaqela ezemali. Nangona umbuzo osalayo phakathi kwabahlalutyi bezemali kukuba uza kuba nakho ukugcina le nzuzo kwezi zihlandlo zichanekileyo.

Amaqhinga okuqhuba ngexabiso

Ngoku kufuneka sicinge ngento esinokuyenza ngeli xabiso libalulekileyo lezabelo zaseSpain. Nangona isicwangciso sotyalo-mali kukuthengisa izabelo zakho, abona bathengisi banoburharha banokuzama ukukhulisa umsebenzi wokurhweba ukwenza ulondolozo lwabo lube nenzuzo ngexesha elifutshane kakhulu. Eyona njongo iphambili ye uthathe ithuba lokungazinzi kwayo ukufumana ii-euro ezimbalwa kolu hlobo lwemisebenzi ekhawulezayo. Enye into eyahlukileyo kakhulu kukuba inokukhuthaza utshintsho kwindlela okhoyo kuba kuya kufuneka iye kumanqanaba ajikeleze i-euro ezi-6.

Kwelinye icala, lolunye ukhuseleko olunomngcipheko omkhulu ekusebenzeni. Ikhutshwe kwiimeko zayo zokudibanisa kwaye ivela kwicandelo iyadibana. Kuya kufuneka ukuba kongezwe ukuba izinto ezilindelweyo kwiimarike zezabelo azizizo ezilungileyo, ubuncinci kule minyaka mibini okanye mithathu izayo. Ukusuka kwinqanaba, elona cebiso lililo hlala uthi cwaka kwizikhundla zokuvula kwaye ukuba kunokwenzeka ukubeka amanye amaxabiso kwiradar. Ayibobulumko ukuthenga kwimozulu yangoku yeemarike zezemali. Kuba ungathatha imimangaliso engalunganga ngeli qela lebhanki ukusukela ngoku.

Ukuba ufuna ukuba kwicandelo lebhanki, unokukhetha okungcono, njengeBanco Santander. Apho imicimbi yangoku inokubenzakalisa ngakumbi kwizikhundla zabo kwiimarike zezemali kwaye kuya kufuneka ukuba bajonge kakhulu kwinto enokwenzeka ngokwembono yomthetho. Kuba ngokuqinisekileyo ungathatha indawo enzima ekugqibeleni iphela ichaphazela abatyali mali. Ngenxa yale meko, eyona nto isebenzayo ayikukuba kwixabiso phantsi kwayo nayiphi na imeko. Hayi ngelize, eli nyathelo linokuhlawula kakhulu kwiintsuku ezimbalwa ezizayo, njengoko kubonisiwe ngabahlalutyi bezentengiso.

Zuza iipesenti ezili-10 kwiziphumo zakho

Phakathi kukaJanuwari noMatshi 2019, iQela le-BBVA lafumana i-1.164 yezigidi zeerandi, i-9,8% ngaphantsi kwelo xesha lonyaka ophelileyo kunye ne-16,2% ngaphezulu kwekota edlulileyo, kumaxabiso otshintshiselwano. Ngaphandle kokuthelekisa iziphumo ze-BBVA Chile kwikota yokuqala ye-2018 (ukwahlulwa okwenziwe ngoJulayi 2018), iziphumo zazingama-7,7% asezantsi (-6,0% kwii-euro rhoqo). Ngelixa kwelinye icala, Umyinge we-NPL uhlala kwi-3,9% kwaye izinga lokugubungela liphucuka laya kwi-74%. Ixabiso lomngcipheko, kwinxalenye yalo, lime kwi-1,06%.

Phakathi kweziphumo zayo zekota zamva nje, inyani yokuba i-BBVA iyaqhubeka nokuba yinkokeli ngokwenzuzo ikwavelele, nge-ROE ye-9,9% kunye neROTE ye-11,9%, ngaphezulu kakhulu komndilili wabakhuphiswano baseYurophu. Kwangelo xesha, inqanaba le-CET 1 'eligcwele ngokupheleleyo' livala ikota nge-11,35%, lisondela kwinjongo yokuba phakathi kwe-11,5% kunye ne-12%, kunye nokufumana zonke iimpembelelo ze-IFRS 16. Ngale ndlela, kuyacaca ukuba umda opheleleyo wawuyi-3,3% ngaphezulu kwelo xesha linye lonyaka ophelileyo, inkqubela phambili yokuba ngokwemigaqo engaguqukiyo yayiyi-7,0%, ifikelela kwi-6.069 yezigidi zeerandi. Ngokuhambelana nezo zilindelwe ziimarike zezabelo.

Ukusuka kwinqanaba, elona cebiso lililo hlala uthi cwaka kwizikhundla zokuvula kwaye ukuba kunokwenzeka ukubeka amanye amaxabiso kwiradar. Ayibobulumko ukuthenga kwimozulu yangoku yeemarike zezemali. Kuba ungathatha imimangaliso engalunganga ngeli qela lebhanki ukusukela ngoku.


Umxholo wenqaku uyabambelela kwimigaqo yethu imigaqo yokuziphatha yokuhlela. Ukuxela impazamo cofa apha.

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