I-Bankinter ngomnye wabameli be ibhanki ephakathi enesindululo esingcono esivela kubahlalutyi abahlukeneyo bezezimali. Ukuya kwinqanaba lokuba inokubanakho ukuphinda ivavanywe nangaphezulu kunaleyo yenziwe ziibhanki ezinkulu zaseSpain. Njengenye yeenketho zokujoyina ipotifoliyo yabatyali mali abancinci nabaphakathi ukusukela ngoku. Ngaphaya kokunye ukuqwalaselwa kobuchwephesha kwaye mhlawumbi nakwindawo yokujonga izinto ezisisiseko.
Okwangoku izabelo zeli qela lezemali zikumanqanaba ahlanganisiweyo phakathi kwama-7 nama-8 euros. Ukuba le nkcaso yokugqibela igqithile, ayinakugwetywa ngaphandle kokuba inyuke iye kwi-10 euro, nangona kule meko ijolise kwixesha eliphakathi nelide. Kuba kunjalo ayinakulityalwa ukuba ingene emanzini ngexesha elibi iibhanki ezihamba ngazo kwiimarike ze-equity. Kwaye ngale ndlela, i-Bankinter ngokuqinisekileyo ayinakuba ngaphandle. Kuya kufuneka ukuba nethemba lokuba ekugqibeleni eli candelo linentsebenzo engcono yokuvula izikhundla kweli xabiso lesalathiso esikhethiweyo sentengiso yemasheya yaseSpain, i-Ibex 35.
Ngelixa ngokuchaseneyo, kuyimfuneko ukuhlalutya ukuba ixabiso lezabelo zalo livela kumanqanaba asezantsi kakhulu kunakuqingqo-maxabiso olunalo ngoku. Ke ngoko, kuya kufuneka ulumke kancinci ngaphambi kokungena kwizikhundla zabo kuba umngcipheko ekusebenzeni zihlala zikhona ngakumbi nangakumbi kwezi nyanga zinzima kwimarike yemasheya yaseSpain kwaye ngakumbi kwicandelo lebhanki. Enye yezona zinto zenziwa kakubi ukusukela ngo-2017. Ezi zizinto eziguquguqukayo ekufuneka zithathelwe ingqalelo ngaphambi kokwenza isigqibo, ngandlela ithile okanye enye. Kungenxa yeso sizathu esiyalela ngaphezulu kwezinye izinto eziqwalaselweyo.
Iziphumo zeBhanki
Inzala yeBhanki yengeniso ifikelelwe 526,4 million kwi-2018, i-6,3% ngaphezulu kwangelo xesha linye lonyaka odlulileyo. Eli ziko lifumene la manani okubhala ngenxa yamashishini alo aphindaphindiweyo kunye "namandla alo aphambili: inzuzo, isolvency kunye nomgangatho weeasethi, kwizikhundla zobunkokeli kwicandelo." Ukhuseleko (CNMV).
Apho I-Bankinter inike ingxelo yokuba inzuzo yequmrhu ekupheleni konyaka ophelileyo ibimi kwi-526,4 yezigidi ze-euro, kunye Inzuzo ngaphambi kwerhafu kwizigidi ezingama-721,1, ezimele ukunyuka ngokubhekisele kunyaka ongaphambili oyi-6,3% ne-6,5% ngokwahlukeneyo. Ngale ndlela, eli qela lezemali livale i-2018 ngokukhula kuyo yonke imida. Inzala yenzala iphela ngo-2018 nge-1.094,3 yezigidi ze-euro, eyi-5,8% ngaphezulu kwedatha efanayo kunyaka ophelileyo.
Imigca yeshishini efanelekileyo
Iziphumo zeQela leBhanki zisekwe phantse ngokupheleleyo kwishishini labathengi, elibenza bazinze kwikamva. I-Bankinter idibanise kule minyaka imbalwa idlulileyo isicwangciso sokwahluka kwengeniso apho amashishini aqolileyo kunye izinto eziphikisayo ngamashishini amatsha afakiwe kwaye anokukhula okuphezulu, okuvumela uphuhliso olulungeleleneyo luphela.
Igalelo ngokubhekisele kuyo yonke le migca kumda opheleleyo weebhanki luye lwahluka kwiminyaka yakutshanje njengomsebenzi wokukhula okubalaseleyo kwala mashishini matsha, njengeBhanki yasePortugal okanye ishishini labathengi. Umgca owenza igalelo eliphezulu kumda opheleleyo uyaqhubeka nokuba yiBhanki yeShishini, nge-30%.
Ngaphaya kwemida yethu
Kwelinye icala, ipotifoliyo yemali mboleko Eli shishini linamava okukhula kweminyaka okukhokelele ekuvalweni konyaka kwi-24.000 yezigidi zeerandi, ezingama-22.600 ezigidi zayo zihambelana nemali mboleko yeenkampani zaseSpain, ezimele i-3,2% ngaphezulu konyaka ongasentla, xa icandelo xa iyonke yehle nge-5,1%, ngokweedatha zikaNovemba ezivela kwiBhanki yaseSpain.
Umsebenzi wentengiselwano kunye nobudlelwane sele uzuza ubunzima kwishishini elidityanelweyo, abathengi bebeka i-bhanki kwinxalenye yehlabathi ekhulayo yeemfuno zabo zezemali. Oku kubonisiwe, umzekelo, kwifayile ye- ukukhula kwemali yengeniso, ezimele ngaphezulu kwe-18% ngonyaka. Kwangokunjalo, oku kunxibelelana okukhulu kweenkampani kunye nebhanki kukhokelele kwiziphumo ezilungileyo ezifunyenwe yimisebenzi ekhethekileyo enje ngeBhanki yoTyalo-mali okanye iShishini laMazwe ngaMazwe, esele ivelisa i-27% yomda opheleleyo weshishini lonke leNkampani nalapho iBankinter Namhlanje luphawu lokulinganisa kwimarike.
Ukwahlulahlula kwiprofayili yebhanki
Ukubhankisha ngeNtengiso, okanye kwabantu abathile, yi Umgca wesibini weshishini yebhanki esekwe kwigalelo layo kumda opheleleyo, ngama-28% ewonke. Kolu luhlu lweshishini, icandelo leBhanki yabucala, elihlanganisa abathengi kunye neeasethi ezinkulu, libonakalise ukomelela kwimeko enzima ngakumbi. Ekupheleni konyaka, ii-asethi ezilawulwayo zaba bathengi zabalelwa kwi-35.600 yezigidi zeerandi, eyi-2% ngaphezulu konyaka ophelileyo, ngaphandle kokuncitshiswa kwezigidi ezingama-2.500 zeerandi eziveliswe kwiipothifoliyo ngenxa yesiphumo sentengiso. Ukongeza, ibhanki ibambe i-3.100 yezigidi zeerandi ze-equity entsha kwaba bathengi, xa kuthelekiswa ne-2.800 kwi-2017.
Elona candelo libalulekileyo lweshishini leli licandelo leBhanki yobuqu, egqibe unyaka nge-21.600 yezigidi zeerandi, iipesenti ezi-2 ngaphezulu ngaphandle kwesiphumo sentengiso esinciphise ixabiso lesikhundla nge-1.000 yezigidi zeerandi. Ixabiso elitsha elifakiweyo phakathi kwabaxhasi kwi-2018 yayizigidi ezili-1.400. Ukusebenza kakuhle kweemveliso kutsala ngokucacileyo abathengi abatsha, njengeakhawunti yomvuzo kunye mboleko mali ngeendlela zayo ezahlukeneyo.
Ke, ipotifoliyo yee-akhawunti zemivuzo ekupheleni konyaka ibimi kwi-8.317 yezigidi zeerandi, eyi-22% ngaphezulu kune-2017. Ngokubhekisele kwimali-mboleko yokuhlala, umthamo wemveliso entsha ngonyaka yayizi-2.532 yezigidi zeerandi. ngaphezulu kunango-11, ibe ngama-2017% ezi zinto zibambisayo ngexabiso elimiselweyo.
Inkampani yeinshurensi edibeneyo
Umgca ngqo ngu Uluhlu lwesithathu lweshishini ngokwegalelo kwimali eseleyo yebhanki, nge-22%. Inani lemigaqo-nkqubo okanye umngcipheko okhuselwe yile nkxaso-mali ifikelele kwizigidi ezi-3,01 ekupheleni konyaka, eyi-7,9% ngaphezulu kunango-2017. Iipremiyamu ezibhaliweyo ngo-2018 zafikelela kuma-853,1 ezigidi zeerandi, i-7% ngaphezulu konyaka odlulileyo, kunye ukukhula kwipremiyamu yeeMoto ze-5,3% xa kuthelekiswa ne-2,4% yomndilili wecandelo; kunye ne-12,4% ngaphezulu kwiipremiyamu zaseKhaya, xa kuthelekiswa nokukhula komndilili wecandelo kule modality ye-3,2%, nedatha ngo-Novemba. Umyinge odibeneyo wale shishini umi kuma-87,3% ekupheleni konyaka, kunye ne-ROE kuma-38%.
Malunga ne Ishishini labathengi, eqhutywa yi-Bankinter Consumer Finance, ipotifoliyo yomthengi ngoku idlula kwi-1,3 yezigidi, i-18% ngaphezulu kwenani ebelikho kunyaka ophelileyo. Umsebenzi weshishini loMthengi ugcine isingqisho esihle unyaka wonke, ngebhalansi ye-632 yezigidi zeerandi kwimali mboleko entsha emele i-46% yenani elifanayo ngoDisemba 2017.
Iphothifoliyo yotyalo mali
Ngokubhekisele kwipotifoliyo yotyalo-mali, uvale unyaka kwi-2.000 yezigidi ze-euro, ngokukhula kwe-34% xa kuthelekiswa nenani elifanayo kunyaka ophelileyo. Ngokubhekisele kwiBhanki yasePortugal, eyilayini yeshishini efakwe kutshanje kwimisebenzi yebhanki, ivale i-2018 ephumeleleyo kuzo zonke izihloko zayo, ngokukhula kwamanani aphindwe kabini zozibini kwizixhobo, i-17% ngaphezulu kunango-2017, nakutyalo-mali lwemali mboleko, efikelela kumthamo we-5.400 yezigidi ze-euro, i-12% ngaphezulu konyaka odlulileyo, ngokukhula kwephothifoliyo yemali mboleko yeshishini ibaluleke kakhulu: i-42% ngaphezulu.
Ngokufanayo, yonke imida yeakhawunti yeBhanki yasePortugal ibonisa ukukhula kwenye ubukhulu obumangalisayoIipesenti ezili-13 ngaphezulu kwengeniso yenzala, iipesenti ezili-14 ngaphezulu kumgama opheleleyo, kunye nama-73% ngaphezulu ko-2017 kumgama osebenzayo. Ngayo yonke le nto, inzuzo ngaphambi kokuba irhafu yalo msebenzi idubule ifike kwi-60 yezigidi ze-euro, i-92% ngaphezulu kunaleyo ifunyenwe kwi-2017. Njengedatha yokubonisa ukuba ingaba le bhanki yaseSpain ingaba sisihloko semisebenzi yethu kwimarike yemasheya.
Elona candelo libalulekileyo lweshishini leli licandelo leBhanki yobuqu, egqibe unyaka nge-21.600 yezigidi zeerandi, iipesenti ezi-2 ngaphezulu ngaphandle kwesiphumo sentengiso esinciphise ixabiso lesikhundla nge-1.000 yezigidi zeerandi. Ixabiso elitsha elifakiweyo phakathi kwabaxhasi kwi-2018 yayizigidi ezili-1.400. Ukusebenza kakuhle kweemveliso kutsala ngokucacileyo abathengi abatsha, njengeakhawunti yomvuzo kunye mboleko mali ngeendlela zayo ezahlukeneyo.