Iibhanki zikhupha iimali mboleko ezimbalwa kubathengi bazo

Umda wenzala ikhula i-2,7% ngaphandle kwezinga eliphantsi lenzala eYurophu. Le yeyona nto ixhaphake kwizenzo zeebhanki ngexesha lokuqala lonyaka. Apho kukwabonakala ukuba unikezelo lweekhredithi lwehlile ngeli xesha ngamashishini emali. Ukuya kwinqanaba lokunciphisa ibango layo ngeepesenti ezininzi xa kuthelekiswa nonyaka ophelileyo. Kwimeko jikelele apho amaxabiso enzala ehle ngenxa yexabiso eliphantsi lemali kwindawo ye-euro.

Ngethuba lokuqala kwimbali inqanaba lenzala kwindawo ye-euro Ime kwi-0%. Ngamanye amagama, alinaxabiso kwaye oku kubonakala kwiziphumo zeshishini zamashishini eziye zanciphisa imida yazo yokungenelela. Kungenxa yokuba umvuzo wayo wale ngcinga ubandezeleke kakhulu. Ukudlala ngokuchasene nokubekwa kwayo kwiimarike zezabelo. Ngaphandle kokunye ukuthathelwa ingqalelo kobuchwephesha bendalo kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko.

Ngelixa kwelinye icala, iidipozithi zebhanki zexesha elimisiweyo ziye zancitshiswa ngenxa yenzuzo yazo ephantsi ngenxa yexabiso eliphantsi lemali. Ngokwedatha yamva nje evela kwiBhanki yaseSpain, idiphozithi ephakathi yeenyanga ezili-12 kwixesha layo lokusisigxina ngoku inzala ye-0,13% malunga. Enye yezona ziphantsi kule minyaka idlulileyo kwaye oko kubangele ukuba yinxalenye entle yabatyali mali abancinci nabaphakathi ukuba bakhethe olunye utyalo-mali kunye neendlela zokugcina. Umzekelo, ukusebenzisana kwemali kwaye kwezinye iimeko, ukuthengwa kunye nokuthengiswa kwezabelo kwimarike yemasheya.

Iibhanki: iidipozithi ezinenzala encinci

Olunye lweempawu zale mveliso yemali kule minyaka idlulileyo kukuhla kwayo okubonakalayo kwenzala esetyenziswe ziibhanki. Phi Kunzima kakhulu ukugqitha kwinqanaba le-0,60% yokufaka imali ngale modeli yebhanki. Oku kubangele ukuba imali igcinwe kwezinye iimodeli ezinengeniso. Nangona zibandakanya umngcipheko ngakumbi kwiimeko zesivumelwano njengoko kungekho mbuyekezo imiselweyo iqinisekisiwe minyaka le. Kwimeko yesiqhelo apho ukhuthazo lukhona ekubhaliseni kolu didi lweemveliso zezemali, zombini ingeniso esisigxina kunye neyahlukileyo.

Ngelixa kwelinye icala, kuyimfuneko ukugxininisa ukuba ezinye iimveliso ziyavela ziyakhuthaza ngakumbi ukukhusela ukonga kwimeko enzima ngokuqinisekileyo kwiimarike zezabelo. Apho kukho ukhetho apho inzuzo inokuphuculwa, kodwa ngexabiso lokuthatha umngcipheko ongaphezulu wokufumana ezi mveliso zezemali. Ayothusi into yokuba sele zimbalwa iimveliso eziqwalaselwe njengekhuselekileyo nge-100%, njengoko bekunjalo nakwiidipozithi zebhanki zexesha elimisiweyo. Kwaye le nyani ichaphazela iziphumo zeshishini kumaziko emboleko.

Iikhredithi zitshiphu kunangaphambili

Enye into echaphazela ukubekwa kwamashishini ebhanki sisibonelelo esisezantsi abasifumana ekunikezelweni kwemali-mboleko yabo. Ngayo nayiphi na indlela yokuziphatha kunye neefomathi: umthengi, ubuqu, ukubambisa ngento okanye nakwezo zikhutshwe ngamakhadi etyala. Ukuza kuthi ga kwinqanaba lokuba amaxabiso ezabelo zabo achaphazelekile yile meko iboniswe ziibhanki ngenxa yexabiso eliphantsi lemali. Apho umndilili wenzala abawusebenzisayo ngoku kuluhlu olusuka kwi-6% luye kwi-8%. Amanqaku eepesenti aliqela asezantsi kuneminyaka embalwa edlulileyo, phambi kokuba kuqale ingxaki yezoqoqosho.

Ngelixa kwelinye icala, ikwachaphazela ukuba iikhomishini kunye nezinye iindleko kulawulo lwazo okanye kulondolozo ziye zancitshiswa kakhulu xa kuthelekiswa namanye amaxesha abanzi ngokwembono yemali. Kanye njengokuba kuye kwakho uguquko olubonakalayo kwimfuno, nangona kwiinyanga nje ezidlulileyo le meko itshintshile kwimikhwa yabasebenzisi beebhanki, njengoko kunokubonwa kwidatha yamva nje ebonelelwe licandelo lebhanki. Kwimeko enzima kakhulu enika amathandabuzo amaninzi kubatyali zimali abancinci nabaphakathi abathathe izikhundla kwezinye zokhuseleko zeli candelo libalulekileyo kwizabelo zamashishini esizwe.

Ukuqeshwa kwezinye iimveliso

Esinye isiphumo esithe ngqo solu tshintsho kwimikhwa yabathengi bebhanki yinto yokuba imali yotyalo-mali inyukile kwiinyanga ezidlulileyo. Kuba ngoku, ngokutsho kombutho wamaZiko okuTyala imali kunye neNgxowa-mali yomhlala-phantsi (Inverco) kubonisa ukuba phakathi ukungaqiniseki okuphezulu ethi ibeke isimilo sokuziphatha kweemalike, iiNgxowa-mali zoTyalo-mali zinciphise iiasethi zazo ngoMeyi nge-4.500 yezigidi ze-euro (i-1,7% ngaphantsi kwenyanga ephelileyo), imi kwi-264.492 yezigidi zeerandi, ngaphezulu kancinci kwe-6.977 yezigidi zeerandi ngaphezulu kokuphela kwe-2018 (2,7 % ngaphezulu koDisemba ophelileyo).

Oku kwehla kwamashishini kwakubangelwe kukusebenza gwenxa kweemarike, kuba imirhumo yemali efikelela kwi-414 yezigidi zeerandi yabhalwa ngelo xesha. Kuchaphazelekayo, kokubini kwiingxowa-mali ze-equity kunye nezo ezivela kwimali engenayo. Ukusuka kwi ezinye iifomathi, ezinje ngemali, ukuthengiswa kwezindlu, okanye nokuba kusekwe kwizinto ezingafunekiyo. Nangona ibhalansi yalo nyaka icacile kubathathi-nxaxheba kule mveliso yemali.

Thenga izabelo kwimarike yemasheya

Abona batyalo mali banobundlongondlongo nabancinci bahlala benendlela yokukhetha i ukuthenga nokuthengisa izabelo kwiimarike zezemali. Kunyaka onzima kakhulu, kodwa ngalo mzuzu kuhlawulwa kwicala elilungileyo. Ngumngcipheko ekufuneka ucingelwe ukuphucula inzuzo yolondolozo lwakho phambi kwembuyekezo ebuthathaka kwingeniso esisigxina kunye neemveliso zebhanki (idiphozithi, amanqaku ezithembiso okanye iibhondi). Ukuba ngomnye wemithombo yenzuzo kwicala lamaziko emboleko yekhomishini kunye neenkcitho ezibandakanya ukuqeshwa kwabo.

Nangona kuya kusiba nzima ukwenza imisebenzi enenzuzo kwakweli xesha lifutshane ngenxa yokungazinzi okukhoyo kwiimarike zezabelo. Apho kunzima kakhulu ukugcina iintsuku ezilandelelanayo zokunyuka kwamathambeka. Nangona behambisa Izabelo phakathi kwabanini zabelo ngenzuzo ephakathi ekufutshane ne-5%. Ngayiphi na imeko, iphezulu kunaleyo ibonelelwa yimveliso zokonga ezingadluli kwinqanaba le-1%. Kwimeko ngokubanzi apho kuya kusiba nzima ukuqinisekisa ukubuya okuncinci kwimali etyalwe. Kwaye oko kukhokelela kubasebenzisi bebhanki ukuba bacele iimodeli zotyalo-mali ezisandula ukwenziwa.

Unikezelo lweekhredithi

Iphepha lokudibanisa elidityanisiweyo lamaqela asebhanki eSpain agqithe kwi-31 yezigidi zeerandi nge-Matshi 2019, 2,6, nge ukukhula kwe-3,2% ngonyaka-ngonyaka ixhaswe ngokubonakalayo kukwanda kwezihloko ezimele umsebenzi oqhelekileyo wentengiso yeebhanki zentengiso. Zombini iimali mboleko zabathengi kunye neediphozithi zikhule ngaphezulu kwe-5%, ngelixa ibhalansi yokhuseleko lwamatyala ekhutshwe inyuke nge-9% unyaka nonyaka.

Ikhredithi yomthengi, kwelinye icala, ifikelele kwi-1,6 yezigidi zeerandi kude kube ngo-Matshi, emele ngaphezulu kwe-5,2% kwinqanaba lonyaka kwaye imele phantse i-60% yee-asethi zizonke kwiphepha lomncono. Umyinge we-NPL wawungaphantsi kancinci kwe-4% emva kokuncitshiswa kwesiqingatha sepesenti xa kuthelekiswa nenqanaba lonyaka ngaphambili, ngenqanaba lokugubungela elilingana ne-67,4% yee-asethi ezithandabuzekayo, xa kuthelekiswa ne-68,7, XNUMX% kunyaka odlulileyo.

Iidiphozithi zikhula ngaphezulu kwe-5%

Iidipozithi zabaThengi zime ngaphezulu kwe-1,4 yezigidi zeerandi, i-5,5% ngaphezulu kunango-Matshi 2018, esele ikho zimele ngaphezulu kwe-55% yephepha elipheleleyo lebhalansi kwaye bavumela ukugcina umyinge wemali mboleko kwiidiphozithi kwi-108%. Kwelinye icala, ibhalansi yezokhuseleko ngaphandle kwezabelo ezikhutshiweyo inyuke nge-30.000 yezigidi ze-euro, i-9,3% kwiinyanga ezilishumi elinambini ezidlulileyo, ukuya ngaphezulu kwe-350.000 yezigidi ze-euro.

Ngokuchasene noko Inkxaso mali evela kwiibhanki eziphambili nakumaziko emboleko incitshisiwe ibhalansi yomnatha ye-13.000 yezigidi ze-euro, ngokungekho kwi-0,5% yemali eseleyo iyonke, kunye nokwehla konyaka kwe-35.000 yezigidi zeerandi. Ukusukela nge-31 ka-Matshi ngo-2019, ixabiso elipheleleyo lafikelela kwi-192.000 yezigidi ze-euro, ngokunyuka konyaka kwe-1,7%. Libonakalisiwe ngokomyinge we-solvency, elonaqondo liphezulu lomgangatho we-capital CET1 ilayishwe ngokupheleleyo ibime kwi-11,3%, ngamanqaku asisiseko angama-20 ngaphezulu konyaka ongaphambili.

Ikhredithi yomthengi, kwelinye icala, ifikelele kwi-1,6 yezigidi zeerandi kude kube ngo-Matshi, emele ngaphezulu kwe-5,2% kwinqanaba lonyaka kwaye imele phantse i-60% yee-asethi zizonke kwiphepha lomncono. Umyinge we-NPL wawungaphantsi kancinci kwe-4% emva kokuncitshiswa kwesiqingatha sepesenti xa kuthelekiswa nenqanaba lonyaka ngaphambili, ngenqanaba lokugubungela elilingana ne-67,4% yee-asethi ezithandabuzekayo, xa kuthelekiswa ne-68,7, XNUMX% kunyaka odlulileyo.


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