Elinye lamagugu amakhulu emali engenayo eguquguqukayo kuzwelonke efana neBanco Santander isezimpambanweni zomgwaqo ekuvumelaneni kwamanani ayo. Akwaziwa kahle uma kungaya kuma-euro amathathu ngesabelo noma uma, kunalokho, kungaphinda kudlule izinga lokumelana nalo njengamanje ngama-euro ayisihlanu. Kunoma ikuphi, lezi akuzona izikhathi ezinhle zengxenye yasebhange emakethe yamasheya. Ukuwa kwakhe bekujule kakhulu Futhi okubi kakhulu, zingaqhutshwa ezinyangeni ezizayo. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo.
Okwamanje, amanani abo aphakathi kuka-4 no-5 euros ngesabelo ngasinye futhi lokho kwenza ukuthi abatshalizimali abancane nabaphakathi bangazi ukuthi benzeni. Ukuthi uthathe izikhundla noma uhlale unemali ephelele ukusebenzisa ngokunenzuzo izikhathi ezingcono ngamanani abo. Kunoma ikuphi, amasheya e-Banco Santander enza kangcono kakhulu kunabancintisana nabo ngaphakathi kwenkomba ekhethiwe yama-equity, i-Ibex 35. Kuyinto ekhethekile, BBVA ukuthi ezinyangeni ezimbalwa sekusukile ekuhwebeni ama-euro angama-8 kuye ngaphezulu kwe-4.
Ngaphezu kwalokho, akukwazi ukukhohlwa ukuthi umkhakha wamabhange ungenye yezimakethe zaseSpain eziguquguquka kakhulu. Okuthile okwakungacabangi ngokuphelele kweminye iminyaka kungekude kangako. Ngomehluko oqinile phakathi kwabo amanani aphezulu nesezingeni eliphansi, njengoba kwenzeka ezikhathini zokugcina zokuhweba. Ngaphezulu kweminye imikhakha lapho i-priori ibucayi kakhulu ukuthuthukisa lezi zenzo ngokuvumelana namanani azo. Kuyisimo okuzodingeka siphile ngaso ezinyangeni ezizayo.
ISantander: ngezansi kwentengo
Vele, kunento eyodwa ecace bha kule chip ebalulekile eluhlaza okwesibhakabhaka yezimali zamazwe. Futhi akuyona enye into ngaphandle kokuthi intengo yayo yamanje ayicatshangelwa kakhulu futhi ingaphansi kwesilinganiso sabahlaziyi bezezimali abanikela ngentengo ebhekiswe ngaphezulu kwama-euro amahlanu ngesabelo ngasinye futhi kwezinye izimo ingaphezulu kwala mazinga. Ngalokho, kuzoba namandla okubaluleka abaluleke kakhulu, cishe u-20% Ezimweni eziningi. Ngakolunye uhlangothi, kufanele kuqashelwe ukuthi kube ukuphepha okujeziswe kakhulu ezikhathini zokuhweba zakamuva.
Ngokwezinga lapho utshalomali luqondiswe esikhathini esiphakathi futhi ikakhulukazi isikhathi eside, kungaba yindlela ezuzisa kakhulu kubatshalizimali abancane nabaphakathi. Akunjalo ngamafuphi njengoba isimo esishubile sibambe izenzo zaso, nge umehluko othile phakathi kwenani lakho eliphakeme nelincane. Ngakolunye uhlangothi, futhi kubala ukungazinzi okuthile komkhakha njengomphumela wesimo samabhange aseYurophu jikelele. Isici ngokuqinisekile asisizi intengo ukuthi ihlale ngaphansi kwenkambiso ye-bullish.
Ukubuyekezwa kokukhula phansi
Esinye isici esidlala ngokumelene nezintshisekelo zeBanco Santander ukubuyekeza okuphansi okwenziwe yi Isikhwama Semali Samazwe Ngamazwe (IMF) futhi lokho sekuholele ekulungiseni izikhundla zabo kulezi zinsuku ezedlule. Ngalo mqondo, izimakethe zokulingana zihlawulisiwe ngemuva kokuthi i-IMF ibukeze phansi, ngoba izilinganiso zokukhula kwayo emnothweni wezwe azikho kahle njengoba umuntu engacabanga. Umkhakha othinteke kakhulu kulokhu kuhlaziywa okusha ngokungangabazeki umkhakha wamabhange kanti iSantander ingelinye lamaqembu ezezimali abaluleke kakhulu ezwenikazi elidala.
Kunoma ikuphi, inkinga enkulu ngalokhu kutshalwa kwezimali ukuthi inzuzo yayo kule minyaka eyishumi edlule ibiphansi impela. Akunakukhohlwa ukuthi kuze kube muva nje izenzo zakhe bezisenziwa emazingeni we-6 euro futhi ngombono wokuthi bangavuka eminyakeni embalwa ezayo. Ngakolunye uhlangothi, ayijoyinanga isiteshi se-bullish ebesibhalwe kuso futhi lokhu kungokunye kokungabaza ukuthi ukubuyela ezikhundleni zaleli qembu lezimali elinamandla kuphakama. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe ngisho nasendaweni yokubuka izisekelo zayo.
Izinguquko enkampanini yakho yomshuwalense
Enye yezindaba izimakethe eseziyikhiphile ezinsukwini ezedlule kube yilokho Imephufre uzoba ngumnikazi we-50,01% yenhlokodolobha yenkampani evelayo, ezokhokhela ama-euro ayizigidi ezingama-82, kanti uSantander Seguros uzoba ngumnikazi we-49,99% esele. Ibhange lizosabalalisa kuphela kwinethiwekhi yeSantander eSpain umshwalense wezimoto, ubungozi obuningi kwezentengiselwano, umshuwalense wezinhlekelele eziningi kanye nemishwalense yemfanelo yenkampani entsha. Kodwa-ke, kuyiqiniso lokuthi alithinti ngokweqile inani lentengo yalo.
Ngakolunye uhlangothi, kusazobonakala ukuthi izinkinga lowo oncintisana naye anazo kulezi zinsuku zizokuthinta kanjani, BBVA. Ngoba kungaba yimbangela yokwehla emkhakheni ukuthi kuqinise okungenani esikhathini esifushane. Akukho nokushoda kwabahlaziyi bezezimali ababhekise ekutheni lokhu kungazuzisa izintshisekelo zeBanco Santander. Lokhu kuyinto ezobonakala ezinhlelweni ezilandelayo zokuhweba, ngandlela thile. Kunoma ikuphi, abekho esimweni esihle sokubhekana nokukhuphuka kwentengo yabo ngendlela eqinile futhi ezinzile.
Ukuqokwa kwabaqondisi abasha
Futhi ayikwazi ukuphazamisa izindaba ezimayelana nabaqondisi abasha eBanco Santander nokuthi ingadala ukungezwani noma ukungabaza okungaphezu kokukodwa kubatshalizimali abancane nabaphakathi. Ngoba empeleni, futhi kubhekiswa kulolu daba lwasekhaya, kufanele kukhunjulwe ukuthi ibhodi yabaqondisi beBanco Santander ivumile emhlanganweni wayo namuhla ukuthi ingaqhubeki nokuqokwa kuka-Andrea Orcel njenge-CEO yeQembu. Ibhodi lamemezela ukuqokwa kuka-Orcel ngoSepthemba 2018, kuye ngemibandela yesiko, kufaka nezinyanga eziyisithupha zika ikhefu lengadi. Ukuxhumana kwakudingeka kunikezwe ukuhambelana komsebenzi wayo kanye nezici zomthetho, zomthetho nezinkontileka.
El ibhodi labaqondisi USantander ube esevumelana ngomholo wonyaka ozayo u-Orcel azowuthola njenge-CEO eSantander, ngokuhambisana nokaJosé Antonio Álvarez. Kodwa-ke, ngaleso sikhathi, kwakungeke kwenzeke ukuthi kubhekwe izindleko zokugcina eQenjini lokukhokha umholo omisiwe owawunikezwe isikhundla sakhe sangaphambilini nokuthi wayezolahlekelwa lapho ewushiya. Ngakho-ke, ukuqokwa kwenziwa ngokususelwa ekulinganiselweni okucatshangelwayo kwezindleko, ngokuya ngezeluleko ezitholakele, okwandulelayo nokulindelwe ukuthi kungabuyekezwa kwehle ngenxa yohlobo lobudlelwano phakathi kwamabhange womabili nomehluko wemisebenzi abayenzileyo yenza kusebenze.
Izindleko eziphakeme ebhange
Ezinyangeni ezedlule, babe nezingxoxo maqondana nemigomo yokuhamba kuka-Orcel ebhizinisini abesebenza kulo. Manje sekucacile ukuthi izindleko kuSantander zokumnxephezela ngomholo wakhe obekade ehlehlisiwe eminyakeni eyisikhombisa, nezinye izinzuzo azitholile ngesikhundla sakhe sangaphambilini kungaba yimali ephakeme kakhulu kunalokho obekulindelwe yibhodi ngesikhathi sokumenyezelwa wokuqokwa kwakho.
Ibhodi licabanga ukuthi bekungeke kwamukeleke ukuthi ibhange lezentengiselwano elifana neSantander libhekane nezindleko zokuqasha umuntu, noma ngabe likuleli zinga futhi likule ndlela elandelwayo ngenxa yamanani ebhizinisi nesibopho esinalo amaklayenti. abathintekayo kanye nezinkampani zamazwe esebenza kuwo. Kulesi simo, ibhodi libona ukuthi bekungeke kufaneleke ukulandela qhubeka nokuqokwa.
Isethi yamathayili kushadi lenhlangano
UJosé Antonio Álvarez, oqhubeke nokuba yi-CEO ngemuva kokumenyezelwa kokuqokwa futhi obekulindeleke ukuthi athathe izintambo zokuba ngumongameli weSantander Spain ngoMashi, uzohlala eyi-CEO yeqembu. Ngokunjalo, uzoba sesikhundleni sokuba yiphini likamongameli womkhandlu. URodrigo Echenique, obehlelile ukushiya isikhundla sakhe njengamanje sokuba ngumongameli weSantander Spain ngoMashi, uzoqhubeka kuze kube kuqokwa ozongena esikhundleni sakhe.
Kulesi simo, umongameli weBanco Santander, u-Ana Botín, wathi: “Njengebhange lezentengiselwano, bekufanele silinganise izindleko ezinkulu zokuqasha uchwepheshe, ngisho nomuntu onethalente U-Andrea Orcel, obekufanele akhokhele ukulahlekelwa yiminyaka eyisikhombisa yomholo omisiwe, ngamasiko ethu ezinkampani, okusho ukuzibophezela nokuziphendulela kubasebenzi bethu, amaklayenti kanye nabaninimasheya. Ngalesi sizathu, mina nomkhandlu sinesiqiniseko sokuthi, yize kuyisinqumo esinzima lesi, senze isinqumo esifanele.
Kunoma ikuphi, enye yezinjongo zaleli bhange kuzoba ukufinyelela ezingeni lama-euro ama-5 ngesabelo ngasinye. Ukuzama kamuva izinhloso zokuvelela kuyo yonke imibono, futhi kulapho amasu kufanele aqondiswe khona ngabatshalizimali. Ngemuva kwalokho, kungenye yezinhloso zesikhashana esifushane zaleli bhange lezentengiselwano. Enye into ehluke kakhulu ukuthi iyaphumelela empeleni. Vele ngeke kube lula.