Ngaba lixesha elifanelekileyo lokungena eBankia?

ibhanki

Abatyalomali banokukhetha kuluhlu olubanzi lweebhanki ukuze benze imali kulondolozo lwabo kulo nyaka unzima kwiimarike zezabelo. Enye yezi ndlela imelwe liqela lezemali cap-phakathi Njenge Bankia okwangoku kwaye apho abanye abahlalutyi bezemali bekhomba kumandla aphezulu ovavanyo kwakhona kwixesha elifutshane neliphakathi. Nangona kunjalo ayisayi kuba sisigqibo esingenamngcipheko njengoko uya kuba nakho ukuqinisekisa kweli nqaku.

U-Bankia ufumene Inzuzo echaziweyo ye-703 yezigidi ze-euro ngo-2018, emele ukunyuka kwe-39,2% xa kuthelekiswa no-2017. Ngokwesiqhelo, inzuzo ibiyi-788 yezigidi, emele ukwehla kwe-3,4% xa kuthelekiswa nezigidi ezingama-816 ezifunyenwe kwimisebenzi edlulileyo. Ezi ziziphumo, kwelinye icala, ezingamkelwanga kakuhle ngabatyali zimali abancinci nabaphakathi abakhethe ukuthengisa kakhulu kwiimarike zezabelo. Nangona kunjalo ngaphakathi komxholo we-bearish kakhulu kwiimarike zezemali kwaye onokuthi utolike le ntsebenzo kwimigangatho yorhwebo yee-equities zesizwe.

Kwelinye icala, kunyaka-mali odlulileyo, i-Bankia inyuke nge-5,5% Umda wenzala, ukuya kuthi ga kwi-2.049 yezigidi zeerandi (nangona kunjalo, ukuba i-BMN ibifakiwe kwingxelo yengeniso ka-2017, lo mgca uza kwehla nge-9,6%). Esi inokuba sesinye sezizathu zokuba kutheni le datha ingavunyelwanga ngabatyali mali. Kwimeko engazuzisi mdla weqela lebhanki ngokubanzi. Akumangalisi ukuba ukuwa ngale mihla kuchaphazele onke amaziko asebhanki, ngaphandle kwalo naluphi na uhlobo. Ukuya kwinqanaba lokuba uqwalasele ukuba lixesha elifanelekileyo lokufaka eli xabiso lezabelo zaseSpain.

Inzala yekota yeBhanki

inzuzo

UGoirigolzarri ukwabonakalise ukuzithemba okukhulu kutshintsho lwequmrhu kunyaka osandula ukuqala. “Singena ngo-2019 sinombutho omtsha. Umbutho owenzelwe ikamva, ubumbano ngakumbi ngakumbi kwaye unamabhongo. Ewe, kunjalo, izakusinika iziphumo kwixesha elifutshane, kodwa nakwixesha eliphakathi nelide ”. Kwelakhe icala, i-CEO yequmrhu, uJosé Sevilla, uxabisile ukuba "kulo lonke u-2018 sikhule kumacandelo aphambili eshishini lethu, njengekhredithi yabathengi kunye nenkxaso mali kushishino, apho sonyuse ukwenziwa ngokusesikweni kwaye sonyusa isabelo sethu sentengiso" .

I-Seville icacisile ukuba unyaka uyavala "kubaluleke kakhulu kuyo yonke into enxulumene nempilo ye-balance sheet kunye nokukhula kwemali yethu, eya kuthi ifike kwi-12,51% xa intengiselwano eqhubekayo ivaliwe, okusigcina njengelinye lawona maziko kwicandelo ”. Ngexesha le-2018, i-Bankia inyuse umda wenzala yayo nge-5,5%, ukuya kwi-2.049 yezigidi zeerandi (nangona kunjalo, ukuba iBMN ibifakiwe kwingxelo yengeniso ka-2017, lo mgca ungawela nge-9,6%). Ingeniso yeKhomishini inyuke nge-25,3% (i-3,4% kuthelekiso olufanayo) kwaye iziphumo ezivela kwimisebenzi yezemali zonyuke nge-11,5%, evumele umda opheleleyo ukuba unyuke nge-11,3% (iwela nge-6,3% nge-BMN) kwaye ime kwizigidi ezingama-3.368.

Ukwanda kwesahlulo ngesabelo ngasinye

Ngezi ziphumo, iBhodi yaBalawuli iya kuphakamisa iNdibano yabanini zabelo ngokubanzi nyusa i-5% Isahlulo Isabelo ngasinye, ukuya kuthi ga kwi-11,576 iisenti (iisenti ezili-11,024 ngo-2017). Ke, isixa esipheleleyo esiya kuhlawulwa kubanini zabelo be-Bankia siyakufikelela kwi-357 yezigidi ze-euro, xa kuthelekiswa nezigidi ezingama-340 zonyaka odlulileyo. Intlawulo ke ngoko ifikelela kuma-50%.

Ngesixa esikhoyo sama-61,4% esine-FROB e-Bankia, esi sahlulo siza kubonisa ukuqhubela phambili kwinkqubo yokubuyisa uncedo olubalelwa kwi-219 yezigidi zeerandi. Ke, uncedo olupheleleyo ibuyisiwe emva kwentlawulo, ecwangciselwe u-Epreli, iyakufika kwi-3.083 yezigidi zeerandi, apho i-961 yezigidi ifanelana nezahlulo ezintlanu ezihlawulwe ukusukela ngo-2014.

Unikezelo lweekhredithi

bathengi

Kwelinye icala, kwaye ngokubhekisele kwimisebenzi, ukwenziwa kwempahla ngobambiso kukhule nge-6%, ukuya kwi-2.928 yezigidi zeerandi; Ngelixa ezo zemboleko zabathengi zonyuke nge-13%, ukuya kwizigidi ezingama-2.286, kunye nezo ze Inkxaso mali kushishino bonyuke nge-13%, ukuya kwizigidi ezili-14.484. Ke, ibhalansi yemboleko yabathengi inyuke nge-14,1% kwaye yeenkampani, iipesenti ezi-4,4. Ngokufanayo, ibhanki yenza inkqubela phambili ebonakalayo kwishishini lokuhlawula.

Ukuhlawulwa kwe Iindawo zokuthengisa inqaku (POS) ikhule nge-15,2%, kwaye intlawulo yamakhadi abathengi ezivenkileni inyuke nge-12,8%. Konke oku kuguqulelwe ekukhuleni okutsha kwizabelo zentengiso, ezime kwi-12,39% kwimeko yeeterminal ze-POS kunye ne-12% ekuthengweni kwamakhadi.

Kwicala lezixhobo ze abathengi beentengiso, Uphele unyaka ngokuhla kwe-0,3%, ukuya kwi-147.149 yezigidi zeerandi. Kule nguqulelo, ukusebenza kweemali zotyalo mali kwagqama, okwathi, kunyaka onzima kakhulu kwiimarike, zonyusa isabelo sabo ngamanqaku ayi-17, ukuya kwi-6,55%.

Ngabathengi abaninzi

bathengi

Ibhanki inyuse inani labathengi nge-120.576 apha enyakeni kwaye inyuse ukuthembeka, kuba ukuphela konyaka bekukho abathengi abangama-103.000 ngaphezulu abanengeniso ethe ngqo kwi-debit.

Kwisiseko sabathengi, kwabakho ukonyuka kwe- inqanaba ledigitalKe, ekupheleni konyaka, i-45,4% yabathengi yayidijithali kwaye i-25,8% yentengiso yenziwe ngelijelo, xa kuthelekiswa ne-15,7% kunyaka ophelileyo. Kufuneka kuqatshelwe ukuba i-31,4% yamalungelo abathengi amatyala enziwe ngokwamanani, njengoko yayinjalo i-19,4% yesivumelwano sezicwangciso zepenshini okanye i-12,6% yemali yotyalo-mali.

Kule meko ngokubanzi, lelinye lamaqela ezemali asebenze kakuhle kwimarike yemasheya kule minyaka idlulileyo. Ngaphezulu kweebhanki ezinokubaluleka okukhethekileyo, umzekelo kumzekelo we I-BBVA kunye neBanco Santander. Kwelinye icala, ayinakulityalwa ukuba le bhanki ivela kwiqela lezemali elinengxaki ezinkulu kwaye ekuqaleni ibangele inxenye entle yabatyali mali abancinci nabaphakathi ukuba babonakalise ukungathandabuzi ukuvula izikhundla kweli xabiso lexabiso. isalathiso somvuzo esikhethiweyo sokuhluka kweSpanish.

Malunga nee-euro ezingama-2,50

Ixabiso kumaxabiso ebhanki ajikeleze i-2,50 euro. Nangona kunjalo, enye yeendlela zayo eziqhelekileyo zezayo ukungazinzi okuphezulu kwaye oko kukhokelele kwiyantlukwano enkulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi kuninzi lweeseshoni zokurhweba. Ngale ndlela, asinakulibala ukuba kwiminyaka nje embalwa edlulileyo ixabiso lesabelo kule bhanki yezorhwebo belingaphezulu kancinane kweyunithi enye ye-euro. Oku kuthetha ukwenziwa koqingqo-maxabiso oluphindwe kabini ngeli xesha.

Nangona kunjalo, emva kokunyuka okwenziwe kule minyaka idlulileyo akukho mathandabuzo ukuba amandla aphezulu idiniwe kwaye sele inzima ngakumbi ukuba iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde iphinde ihlaziywe Kodwa endaweni yokuchaseneyo, ukuba kukho izilungiso ezibalulekileyo kumaxabiso abo kwaye zinokusetyenziselwa ukuthatha isikhundla ngamaxabiso okhuphiswano ngakumbi kunangoku. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko.

INkokeli ekudlulisweni kwangoko

Enye yezona zinto zibalulekileyo kweli qela lezemali zivela kwinto yokuba i-Bankia ikhokele ishishini lokutshintshelwa kwangoko ngexesha le-2018, unyaka wokuqala wobukho beli hlobo imisebenzi kwimarike yaseSpain, xa kufikelelwa kwisabelo sama-39% esixa-mali esigqithisiweyo. Kwangokunjalo, iziko likhokele eli shishini ngenani lokusebenza, nge-28% yodluliso olwenziwe eSpain.

Ukusukela ngoFebruwari 2018, inyanga apho inkqubo yotshintsho ekhawulezileyo yaqala khona kwilizwe lethu, ekupheleni konyaka, inkqubo yadlulisela i-16.800 yezigidi zeerandi ngaphezulu kwe-23,2 yezigidi zokusebenza, ngokweenkcukacha ze-Iberpay ngokubhekisele kwimisebenzi eyenziweyo ngenkonzo ye-ASI4. Kwezi, i-Bankia yenze ukuhanjiswa kwezigidi ezi-6,6 ngesixa esidibeneyo se-6.500 yezigidi ze-euro.

Ngayiphi na imeko, yenye yexabiso leemarike zokulingana zaseSpain ekuya kufuneka ukuba zihoye kakhulu ukusukela ngoku. Kuba inokukhulisa amandla amatsha anyukayo anokuyithatha iye kumanqanaba asondele kakhulu kwii-euro ezintathu kwisabelo. Yinto engenakukhishwa ngaphandle kwixesha eliphakathi nelide, kuxhomekeke kwindlela ezenzeka ngayo iimarike zezemali kwiiveki ezizayo.

Ixabiso kumaxabiso ebhanki ajikeleze i-2,50 euro. Nangona kunjalo, enye yeendlela zayo eziqhelekileyo zezayo ukungazinzi okuphezulu kwaye oko kukhokelele kwiyantlukwano enkulu phakathi kwamaxabiso aphezulu kunye neyona isezantsi kuninzi lweeseshoni zokurhweba. Ngale ndlela, asinakulibala ukuba kwiminyaka nje embalwa edlulileyo ixabiso lesabelo kule bhanki yezorhwebo belingaphezulu kancinane kweyunithi enye ye-euro. Oku kuthetha ukwenziwa koqingqo-maxabiso oluphindwe kabini ngeli xesha.


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