Kwimpelaveki ephelileyo, i-European banking, kwaye ngokukodwa amaqela amakhulu aseSpain, ibe yinto ye- uvavanyo uxinzelelo nguGunyaziwe weBhanki yaseYurophu (i-EBA), kwaye esona siphumo siphambili kukuvunywa kwayo ngokubanzi. Kwaye apho iziphumo ezimbi ziye zaba zeMonte dei Paschi kunye ne-Unicredit yase-Italiya, ezibonakalise ukusilela okuthile kwimigca yeshishini labo.
Nangona kunjalo, uhlalutyo olwenziwe ngabalamli bezemali khange kube kudala ukuza, kwaye ibe kukudana kubatyali mali kweli candelo libalulekileyo kwii-equity zaseYurophu naseSpain. Ngokukodwa, iarhente yokulinganisela enefuthe kwiMigangatho kunye namahlwempu (i-S & P) ikhuphe ingxelo kwiintsuku ezimbalwa emva kokukhutshwa kwezi ziphumo, apho kubonisa ukuba IBanco Popular, iCaixaBank kunye neBanco Sabadell zibonisa "ubuthathaka obunokwenzeka" kwimeko yeengxaki zoqoqosho.
Ijagi yamanzi abandayo kulayini wamanzi okusindisa abo banegalelo labo kwamanye ala maqela asebhankini. Kwaye oko kuye kwathetha ukuba ulonwabo lokuqala emva kokupapashwa lubekwe ngokwenyani njengesiphumo se ulwazi oluthe kratya malunga nemeko yokwenene yebhanki yaseSpain. Ezinye iiarhente zokulinganisela zikwavakalisile ukuthandabuza malunga neebhanki kwindalo yethu
Ukuthengisa kunyanzeliswa kwiimarike
Impendulo yeemarike zezemali khange kube kudala, kwaye yokuthengisa Bacacisa ngokucacileyo ukuthengwa, kwaye nangobunzima obukhethekileyo. Kule meko, Iibhanki zirhuqa ii-indices eziphambili zelizwekazi elidala, ngokuwa okubukhali okukhokelela kubatyali mali abaninzi ukuba baphinde bacinge ngeendlela zabo zotyalo-mali kwiibhanki zaseSpain, nangokwandiswa kwabantu baseYurophu.
Isalathiso sikazwelonke esikhethiweyo, i-Ibex 35, enobunzima obukhulu bebhanki ngaphezulu kancinci kwi-3% kushiyeke kwiintsuku zokuqala zeveki. Ikakhulu isindwe ziibhanki zonke ezidweliswe kule index. Ngelixa amanye amacandelo egcine ukuvela okuhle kwamaxabiso abo kwezi veki zidlulileyo, iibhanki khange zikwazi ukuzilandela kwaye ivelise ukwehla okubalulekileyo kumaxabiso abo.
Iziphumo zokuqala kuvavanyo loxinzelelo khange kube kudala zize, kwaye ukuthengisa kuye kwavela kwakhona ngamandla angaqhelekanga, emva kweenyanga ezimbalwa zokuzola okuthe ngqo kwimarike yemasheya. Eyona nto ingasebenziyo kuzo zonke iibhanki yinto ethandwayo, eshiyekileyo kwezi ntsuku ngaphezulu kwe-7% yexabiso laso. Kwaye amanye amaqela ezemali aqhubanga ngcono. I-BBVA ilahlekile kufutshane ne-5%, iBanco Santander ilandele lo mkhwa, kwaye iSabadell kunye neCaixaBank bamodareyitha ukuwa kwabo, phakathi kwe-1,50% kunye ne-3%.
Okuncinci okuchaphazeleke ngala manqaku anxulumene nobunyibiliko beebhanki zaseYurophu ibe yi-Bankia, eyiyo kanye endiphawulayo ndiyifumene kolu viwo. Kwaye oko kukhokelele ekunciphiseni kwayo ukuba ngaphakathi kwemida ecingelwa ngabatyali mali abancinci nabaphakathi, hayi ngaphezulu kwe-1,50%.
Ukunciphisa i-Ibex 35
Isiphumo sokuqala sokuba ezi ziphumo zivelise iibhanki zaseYurophu ngokubanzi ibe kukudodobala kwesalathiso saseSpain. Akunanto, Ulahlile amanqanaba amanqaku angama-8.500 XNUMX ngamandla amakhulu. Kwaye ngokubakho ngokwenyani kokundwendwela amanqaku angama-8.000 kwiiseshoni ezilandelayo. Ngale ndlela, inyanga ka-Agasti inokuba yingozi ngokwenene kwimidla yabarhwebi abathengisayo. Uninzi lwabo luseholideyini kwezi ntsuku, kwaye banokuzibona benothuko olungaphezulu kokubi xa bebuya kuhambo lwabo. Kwaye ngubani owaziyo ukuba ngemali encinci kakhulu kwipotifoliyo yakho yotyalo-mali.
Ukhuseleko olumele ibhanki ngoku kukutsala ekunzima ukusombulula kwisalathiso sesizwe. Akumangalisi ukuba ezinye izitokhwe azenzi kakubi kwiimarike zezemali, kwanokunyuka okuphakathi kwamaxabiso abo. Yiyo loo nto bevela abahlalutyi abancomela abathengi babo yeka ukuvula izikhundla kukhuseleko lwebhanki. Ubuncinci okoko oku kungathandabuzeki kwamashishini kugqityiwe.
Omnye wemingcipheko emikhulu kukuba ukuvela kwecandelo lebhanki kuya kuyichaphazela ngokupheleleyo i-Ibex 35, kwaye inokukhokelela ekubeni iphinde ityelele ezantsi kule minyaka idlulileyo. Nokuba izilungiso ezinzulu ezinokungena kwi-downtrend enzulu. Ubuncinane kwixesha elifutshane. Ke ngoko, lumka kakhulu ngokusebenza kwimarike yemasheya kule nyanga yeholide ibalulekileyo, apho inani lemisebenzi kwiimarike zezabelo liye lehla kakhulu.
Indawo yeBhanki kwimarike yemasheya
Enye yeengxaki ezivela kutyalo-mali kukuxhomekeka kakhulu kwiibhanki kwimarike yemasheya yaseSpain ngokubanzi. Akunanto, Kukho amaqela ebhanki amathandathu adweliswe kwisalathiso somgangatho kazwelonke. I-BBVA, i-Santander, iCaixabank, i-Popular, i-Bankinter kunye ne-Bankia ngabameli beli candelo libalulekileyo nelinefuthe kwintengiso yemasheya. Kwaye kulo nyaka wenza kakubi kunabanye.
Kule nto kufuneka kongezwe ezinye iibhanki ezincinci ezidweliswe kwimarike eqhubekayo, kwaye nazo zichaphazeleka kolu vavanyo loLuntu. Ngamaxabiso agqithisileyo kakhulu, kwaye oko kusibuyisela kumaxesha amabi kakhulu kwiimarike zezemali. Kwaye nokuba kunokwenzeka ngamaxabiso ukuhla ngakumbi kwiimarike. Ngale ndlela, iiveki ezimbalwa ezizayo ziya kuthatha isigqibo ekuqinisekiseni ukuvela kweebhanki zaseSpain.
Iibhanki, kwelinye icala, bezisenza intlawulo yokwahlulahlula kubanini zabelo abanesisa ngenene kwimidla yabo. Ngesivuno esiphakathi sonyaka esikufutshane ne-4,50%, ngokusebenzisa iikhredithi ezenziwe ngokusesikweni inyanga nenyanga kwiakhawunti yangoku yabatyali mali. Kwaye iyakuthatha isiqabu esithile kubo ukugcina ulondolozo kwimali abayigcinileyo.
Konke oku kungaphakathi komxholo ngokubanzi, apho iarhente yohlalutyo iMigangatho kunye namahlwempu ingabandakanyi nayiphi na ibhanki yaseSpain phakathi kwabo bajonga oko ingabonisa iingxaki kwaye oko kufanele ingqalelo ekhethekileyo. Ukubuya, ukuba iibhanki zamanye amazwe zikhona: Monte dei Paschi, Unicredit, Deutsche okanye RBS, phakathi kwezona zibalulekileyo.
Banokwenza ntoni abatyali mali?
Enye yeengxaki yile inikezelwe kubatyali mali abancinci ukusukela ngoku, kwaye apho bangazi ukuba mabenze ntoni ngolondolozo olutyaliwe kwiibhanki zaseSpain: thenga, bamba okanye uthengise. Yonke into iya kuxhomekeka kwisikhundla sakho sangoku, kwaye iya kufuna isicwangciso esahlukileyo, kwaye mhlawumbi iphikise ngokungafaniyo. Ngokuchanekileyo enye yeenyanga ezinzima kakhulu zonyaka, ukuba ube eholide kwindawo yokutyelela.
Ukuba abanazikhundla zivulekileyo kwicandelo lebhanki, kuyacetyiswa ukuba baqhubeke ngoluhlobo bade babuye kwikhefu labo. Ngale ndlela, banokuhlalutya ngobuchule obukhulu kuyo yonke into eyenzekayo kweli candelo libalulekileyo lezabelo. Ukulinda ubuncinci iiveki ezimbalwa kuya kuba sesona sigqibo sihle onokuthi usenze ngoku.
Ukuba, ngokuchaseneyo, sele bebekiwe kwiimarike zamasheya ngezi zikhuseleko, ubulumko buya kuba yinto eqhelekileyo kwizenzo zabo. Isenokuba sele icothisile ukuvala izikhundla kwiibhanki zaseSpain. Kwaye njengecebo lokutyala, unokulindela ukuba amaxabiso ezinto athengise izabelo zakho. Kwaye ubathathe baye kukhuseleko olukhuselekileyo, kwaye nangokubanakho ngakumbi ukuxabisa kwiinyanga ezintandathu ezizayo.
Ukukhetha amathuba okuthenga
Ngayiphi na imeko, ukuba icandelo lebhanki liyaqhubeka ukuwa ngexesha leeseshoni ezilandelayo, nangakumbi ngeepesenti ezingaphezulu kwe-5%, iya kuba lithuba lokwenyani leshishini. Ngokukodwa ukuba utyalomali lujolise kwixesha eliphakathi nelide. Kwaye konke oku ngamaxabiso asezantsi ekuya kucatshulwa kuwo iibhanki eziphambili zaseSpain. Ukuba kwixesha elingaphezulu okanye elinengqiqo elisisigxina baya kuthi babonise imbuyekezo engaphezulu kwale iboniswa zezinye iiasethi eziyimali.
Kwaye apho kusengqiqweni ukuba imali ingene kwiimarike. Ukubeka ukuthengwa kwintengiso kwakhona ngendlela ecacileyo. Ayothusi into yokuba icandelo leebhanki lelinye lezona ndawo zibethwe kakhulu kwezi nyanga zidlulileyo. Kwaye apho izabelo zeBanco Santander okanye i-BBVA, umzekelo, balahlekelwe phantse sisiqingatha sexabiso labo xa kuthelekiswa nonyaka ophelileyo. Ukusuka kolu luvo kuhlalutyo, inokuba lixesha elifanelekileyo lokuthenga okokuqala, nangona kukhethwe kakhulu kuyo nayiphi na imeko.
Ukuthintela ukwenza iimpazamo ngeli xesha, kuya kuba luncedo kakhulu ukuba ulandela uthotho lweengcebiso zokuphucula ukusebenza kwe-equity. Kwaye oko kungahamba ngezi zitshixo zilandelayo ekufuneka uzithathele ingqalelo.
- Eli ayiloxesha lokwenza izigqibo ezishushu, kwaye kukhethwa ukuba ucamngce ngesicwangciso sakho kwezi ntsuku uziphumileyo.
- Uninzi lweebhanki bathengisa phantsi kwe-downtrend ecacileyo. Lumka apho unokuma khona kwaye utshintshe uphawu kwindalo yamaxabiso akho.
- Ayizizo zonke iibhanki ezibonisa iziphumo ezifanayo zeshishini, kodwa endaweni yoko abanye ngaphezulu kunabanye bakwimeko engcono yezemali. Iya kuba yeyona yamkela kakhulu ukuthengwa kwakho.
- Eli candelo lelinye inika umngcipheko omkhulu ngalo mzuzu, kodwa ukubuyisa lowo uveza amathuba amakhulu okuhlaziya. Isenokuba ngumgqatswa ukuba abe yinxalenye yepotifoliyo yakho yotyalo-mali.
- Nangona amaxabiso abo ephantsi kakhulu, kwaye kwezinye iimeko engenangqondo, gcinani engqondweni ukuba basenokuya ezantsi.