Akukho mathandabuzo okuba iTelefonica yenye yezokhuseleko inemisebenzi emikhulu kwintengiso yesalathiso esikhethiweyo sezabelo zaseSpain, i-Ibex 35. Apho umdla kwicala labatyali zimali kule teleco yomlinganiso ubonakala kwibala lezizwe ngezizwe. Apho okwangoku kusokola ukoyisa uxhathiso olubalulekileyo olunalo nge-7 euro intshukumo kwaye ukuvela kwayo kuya kuxhomekeka kuyo ukusukela ngoku. Emva kokurhweba kakhulu ngeli hlobo langaphantsi kwe-6 euro. Amanqanaba angazange abekho kwaye akhokelele ekuphoxekeni ngabatyali mali abancinci nabaphakathi.
Kwelinye icala, kufanele ukuba kuqatshelwe ukuba le nkampani yonxibelelwano ngomnye weenkampani ezihambisa ezona zihloko kuzo zonke iiseshoni zorhwebo. Ngamanani kuphela ngaphakathi kokufikelela kumaxabiso aphezulu kakhulu okwenza ukuba kube lulwelo kakhulu. Oko kukuthi, ukungena kunye nokuphuma kwamaxabiso ezikhundla kunokuhlengahlengiswa kwaye ke ngoko abatyali mali abanakubambeka kwixabiso. Ngale ndlela, ayinakulityalwa ukuba le nkampani yenye yeetshipsi eziluhlaza zesizwe kunye nolunye ukhuseleko olufana I-BBVA, i-Endesa okanye iSantander, phakathi kwabanye.
Kufuneka kuqatshelwe ukuba eli xabiso lalithengisa kwi 8, 9 okanye ii-euro ezingaphezulu. Kwaye ngequbuliso iye yehla ukuya kumanqanaba akhoyo ngoku kwixabiso. Ukuza kuthi ga kwinqanaba lokuba inxenye elungileyo yabatyali mali abancinci nabaphakathi baqwalasele ukuba ngaba ukhuseleko lwabo ngexabiso eliphantsi ngenene kukuvula izikhundla kulo naluphi na uhlobo lwendlela yotyalo mali. Nangona icandelo lezomnxeba lingahambi kwelona xesha lilungileyo, kuba eneneni oku akunjalo. Ukuba akunjalo, ngokuchaseneyo, kuhamba ngeengxaki zokwenyani ngenxa yamatyala amakhulu anolu didi lweenkampani zidwelisiweyo.
I-Telefónica phakathi kwe-6 kunye ne-7 euro
Okwangoku, i-telecom yesizwe iyasokola ukusuka kumanqanaba inawo kwi-euro ezingama-6. Kodwa kuyimbiza kumzamo omkhulu ngenxa yekepusi enkulu ejikeleze i-6,80 euro ngesabelo ngasinye apho kukho iphepha elininzi embindini. Ngelixa kwelinye icala, kuyacaca ukuba elinye lamaqhosha yindlela isenzo esiphendula ngayo kwisikhuthazo sentengiso yezemali. Ngale ndlela, uluvo lwabanye babahlalutyi ababalulekileyo kwiimarike zamasheya lubonisa ukuba iTelefonica inokuba nayo uphawu ukuya kuthi ga kwi-7,50 euro. Ngoku sifuna ukubona ukuba iya kuba nakho ukufikelela kula manqanaba kwisithuba esingagqithiyo ngokude.
Ngelixa kwelinye icala, ayinakulityalwa ukuba i-Telefónica lelinye lamaxabiso awileyo kweyona mihla yamva nje nasemva kokupapashwa kweeakhawunti zayo, ezingathengiswanga yimarike njengezilungileyo. Kodwa ukuba ezi datha zihlalutyiwe ngononophelo, isiphelo sokugqibela sinokufikelelwa ukuba kukho ukunyuka okuncinci kwengeniso. njenge ukunciphisa ityala leyo yenye yemiba ebakhathaza kakhulu abahlalutyi bezemali ngalo mzuzu nezincomelo zabo kukuthengisa ngakumbi kunokuthenga.
Ngesabelo esi-6%
Ewe kunjalo, enye yamandla enkampani kukuba ibonelela abaninizabelo ngesivuno esikhulu. Kwinqanaba eliphezulu le-Ibex 35 ngentlawulo esisigxina kunye neqinisekisiweyo minyaka le kwaye okwangoku 0,40 euro ngesabelo ngasinyen. Njengesicwangciso-qhinga sokwenza ipotifoliyo yengeniso esisigxina ngaphakathi kokungafaniyo. Endaweni yoko, yenzelwe abatyali mali abagcinayo okanye abakhuselayo abafuna, ngaphezulu kwako konke, ukugcinwa kogcino lwabo ngaphezulu kwezinye izinto ezinoburharha. Ngeprofayile echazwe kakuhle kubasebenzisi abathembela kweli xabiso libalulekileyo kwii-equities zaseSpain.
Sisiphi isicwangciso esinokusetyenziswa?
Kuqhelekile ukuba amawaka kunye namawaka abatyali mali bazibuze ngeli xesha ukuba banokwenza ntoni ngezabelo zabo. Nangona kuyinyani ukuba ngoku kunamaxabiso ahlengahlengisiweyo kwaye anomtsalane kubatyali mali abancinci nabaphakathi, inyani yokuba ngumsebenzi obeka imingcipheko ethile ngenxa yobuthathaka becandelo lomnxeba kwilizwekazi laseYurophu alunakuthathelwa phantsi. Kwaye oko kungakhokelela kumaxabiso abo asezantsi kunalawo abonisiweyo ngoku. Ngoko babenako qokelela abakhubazekileyo Kwipotifoliyo yotyalo-mali yabasebenzisi.
Ngelixa kwelinye icala, kufuneka kugxininiswe ukuba le yenye yexabiso eye yehla kakhulu kule minyaka ilishumi idlulileyo. Kwanele ukujonga ukuba kwiminyaka eli-15 eyadlulayo ixabiso lezabelo zalo lalikumanqanaba ee-euro ezingama-14. Oko kukuthi, ngaphezulu kokuphindwe kabini kwindlela abakuyo okwangoku kwaye oko kubangele ukuba abanye abatyali mali bonakaliswe kwizikhundla zabo. Ukuza kuthi ga kwinqanaba lolunye ukhuseleko oluyohlwaywa kakhulu ziimarike zezabelo, nangona le datha ingakhange iqatshelwe yinxalenye enkulu yabalamli bezezimali.
Ungabuyela kwi-9 euro?
Lo ngomnye umbuzo obuzwe ngabasebenzisi beemarike zentengiso, ngakumbi abo bayilahleko ngoku. Ngelixa le meko yokungazinzi isebenza, inzolo kwicala labatyali mali abancinci nabaphakathi ayizukubanelisa ngokupheleleyo. Ukuba akunjalo, ngokuchaseneyo, banokoyika ukusikwa okusha kwixabiso ngaphandle kokuzilahla nangaliphi na ixesha elinokuya kumgangatho ophantsi wonyaka kunye nowembali. Ingangumqondiso omtsha wobuthathaka oya kuthi ucime zonke ii-alamu kwaye kungenjalo kungenza njani ukuba ibe sisizathu sokususa iphothifoliyo yotyalo-mali ngokukhawuleza.
Ngokuchasene noko, ukuba ukunganyangeki okukhoyo ngoku kwi-7,50 ye-euro koyisiwe, kunokuba ngumqondiso oqinisekileyo wento enokuyenza kwiinyanga ezizayo. Apho eyona nto ibalulekileyo kukuhlala uzolile kwaye wazi ukuba ungawasebenzisa njani amathuba athandabuzekayo aza kuthi eze neli nyathelo, nokuba axabisa ixesha elingaphezulu kwelifanele. Ewe, ngeli xesha kunokuhlala ixesha elide kunokuba uninzi lwabatyali zimali abancinci nabaphakathi belindele. Kodwa kuyo nayiphi na imeko, eyona nto iba nzima ngakumbi kukuba inokufikelela kumanqanaba ane-euro ezingama-14 kwaye kwafikelelwa kuwo kwiminyaka emininzi eyadlulayo.
Umthamo omkhulu wokugaya abantu
Ngayiphi na imeko, i-teleco yenye yesitokhwe somthombo wesalathiso ngaphakathi kwesalathiso esikhethiweyo sezabelo zaseSpain. Kungenxa yokuba lolunye ukhuseleko oluneyona mali iphambili kwaye lubangela amawaka kunye namawaka ezihloko ukuba zihambe yonke imihla kuzo zonke iiseshoni zorhwebo ezidlula komnye umtyali mali ziye komnye. Ukuza kwinqanaba lokuhlaziya umthetho wonikezelo kunye nemfuno yale nkampani ibalulekileyo kwicandelo lonxibelelwano. Oko kukuthi, awusoze ube naluphi na uhlobo lweengxaki zokungena okanye ukuphuma kwizikhundla zabo nangaliphi na ixesha losuku.
Ngelixa kwelinye icala, ayinakulityalwa ukuba lelinye lamaxabiso alandelwa kakhulu ngabarhwebi kwaye ke yiyo le nto iphononongwa rhoqo. Ngokunikezelwa kwexabiso ekujoliswe kulo ukuze ube nesalathiso sexabiso laso kwiimarike zezabelo. Ukuze ngale ndlela ube nenkxaso xa ungena kwimarike yemasheya, ngaphandle kokungahambi ngokungaboniyo ukwenza nayiphi na imisebenzi yokwenza ulondolozo lube nenzuzo.
I-Telefónica ikhawulezisa ukukhula kwayo
I-Telefónica inyusa ukukhula kwengeniso (+ 1,7% exeliweyo) xa kuthelekiswa nekota yesithathu ye-2018, enkosi ngokuphuculwa ISpain, iBrazil neJamani, kwintsebenzo eyomeleleyo yase-United Kingdom, kwaye ngaphandle kwefuthe elibi lemali. Ngokwemvelo, bakhule iipesenti ezi-3,4. Okunye okuphawulekayo kukonyuka kwengeniso yomndilili kumthengi ngamnye kwikota (+ 4,3% ye-organic year-on-year) kunye nokuphuculwa kwenqanaba le-churn / churn rate. Ngokomgaqo, azikhange zibe ziziphumo eziye zangcangcazela kwiimarike ze-equity. Ukuba akunjalo, ngokuchaseneyo, baye babuliswa ngokuwa okubalulekileyo kwiipaki.
Ngokubhekisele kwityala le-telecom, owona mthwalo wayo mkhulu ukuba udweliswe kumanqanaba aphezulu, idatha ayisiyonto intle kangako. Ngale ndlela, kucacile ukuba ityala elipheleleyo limi kwi-38.293 yezigidi ze-euro (-8,1% ngonyaka-on-year), enkosi kwimveliso yemali ekhule nge-40,3% kwaye yafikelela kwi-4.150 yezigidi zeerandi ngexesha elisusela kuJanuwari ukuya kuSeptemba. Ukubandakanya iminyhadala emva koSeptemba 30, ityala liya kuba malunga ne-37.600 yezigidi zeerandi. Apho, ifayibha yeTelefonica ifikelela kumakhaya azizigidi ezili-123, apho i-54,5 M (+ 11%) idlula kwinethiwekhi yayo, kwaye ukugqunywa kwe-4G kusondele kuma-80% abo.