IBanco Sabadell ngesikhathi esibucayi: ithengisa ngaphansi kwe-euro

sabadell

Uma kukhona ukuphepha okubalwe emakethe yamasheya okugcina kunesici sobuchwepheshe esiwohloke kakhulu, ngokungangabazeki iBanco Sabadell. Intengo yayo ithathe ithuba eliyingozi kakhulu futhi njengamanje ihweba ngaphansi kweyunithi elilodwa le-euro. Ezikhathini zokuhweba zakamuva akukho okungaphansi kwe 10% wesilinganiso sakho esikhwameni. Ukuze kugcine ngokuthi kusindwe wonke umkhakha wamabhange wonkana. Ngokuncipha kweBBVA, iSantander, iBankinter, iBankia kanye namabhange amancane kazwelonke. Kulokho okwenziwa njengomkhakha omubi kakhulu kulo nyaka.

Iqiniso lokuthi okwamanje lihweba ngaphansi kwe-euro eyodwa empeleni liyingozi kakhulu. Ngoba izinkampani ezifakwe kuhlu ezikulesi simo kuyaqabukela ziphume kuleli zinga ngentengo. Ngamanye amagama, kunzima kakhulu kubo ukuthi bacaphune ngaphezu kwe-euro futhi, njengoba kukhonjisiwe muva nje ngamasheya amahle ambalwa emakethe eqhubekayo yaseSpain. Ngengozi esobala ye- hlala umile isikhathi esingeziwe noma esingaphansi. Kunoma ikuphi, akuzona iziphakamiso ezifiseleka kakhulu zokuvula izikhundla kusuka manje.

Imbangela yalesi simo esibuthakathaka eBanco Sabadell kube yimiphumela yayo emibi yebhizinisi ngonyaka odlule, i-2018. Abakholwanga ngabenzeli abahlukahlukene bezezimali futhi ngenxa yaleli khono, ingcindezi yokuthengisa ibekwe kumthengi. Noma kunjalo, nge umfutho ongavamile kulezi zimo futhi lokho kuholele ekutheni amasheya abo ashiywe engekho ngaphansi kwama-7% kuseshini eyodwa yokuhweba. Ngomthelela osobala futhi oqondile kwezinye izibambiso ezakha umkhakha onamandla wamabhange waseSpain.

Sabadell: imiphumela ebuthakathaka kakhulu

imiphumela

Iqiniso lokuthi okwamanje, amasheya aleli bhange elibalulekile atholakala ngamanani entengo aphakathi kuka-0,80 no-0,90 euros kungenxa yokushicilelwa kwemiphumela yawo yebhizinisi ngonyaka we-2018. Lapho iqembu leBhange iSabadell livale unyaka nge inzuzo engenayo engenayo yama-euro ayizigidi ezingama-328,1, ngemuva kokuqeda ukufuduka kwe-TSB nokuqedela ukuhlanzwa kwebhalansi, okube nemithelela eyodwa off inani eliphelele lama-euro ayizigidi ezingama-637,1. Ngaphandle kokubheka lezi zinto ezingavamile, ukukhula kwenzuzo ephelele kungama-9,6% unyaka nonyaka, ukufinyelela kuma-euro ayizigidi ezingama-783,3 ekugcineni.

Mayelana ne- ibhizinisi lasebhange (Amakhomishini enzuzo yenzalo ephelele) akhombisa ukuqina kwebhizinisi, ngokukhuphuka kwama-4,1% unyaka nonyaka nokukhula kwama-2,4% ngokuqhathaniswa kwekota. Ezingeni lamaqembu, ukukhula konyaka nonyaka kungu-2,9%. Ngakolunye uhlangothi, umugqa wenzalo ophelele wema kuma-euro ayizigidi ezingama-3.675,2 ekupheleni kuka-2018 ngokukhula kuka-0,7 kuphela. Ngaphandle kwe-TSB, umugqa wenzalo ophelele ufinyelela kuma-euro ayizigidi ezingama-2.675,5 futhi umele ukukhula kwe-1,1% unyaka nonyaka ngekota, okuqhutshwa ukukhula kwevolumu.

Kuthathwe kabi ngabatshalizimali

Lawa ngama-akhawunti waminyaka yonke angazange amukelwe kahle ngabenzeli abahlukile bezezimali. Uma kungenjalo, kunalokho, basebenze kakhulu ekuhlehliseni izikhundla lapho kunesimo esibucayi kakhulu kulelibhange elihlanganiswe enkombeni ekhethiwe yezimali zaseSpain, i-Ibex 35. Lapho iqiniso lokuthi lilahla ukuzethemba phakathi abatshalizimali. Ngokwezinga lapho abahlaziyi abathile bezezimali beqhathanise isimo sabo nalesi se- I-Banco Popular. Yize kungaba ukuqiniswa okuncane ngokunganaki ezimweni zamanje.

Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi abaninimasheya kuleli bhange likazwelonke balahlekelwe ezinyangeni eziyishumi nantathu ezedlule cishe ngama-45% ekulinganisweni kwaleli nani lemakethe yamasheya. Kuyimali eningi eye yahwamuka ngesikhathi esifushane kakhulu, ngaphezu kwalokho okungalahleka kulezi zikhathi eziqondile. Ngoba empeleni, sekuvele kukhona abanye abasebenzeli bezezimali abanenani lentengo yamasheya abo emazingeni ama-0,50 nama-0,60 euros. Kungaba yini isigaba esisha se-bearish esizoshiya abatshalizimali abaningi abancane nabaphakathi bebanjiwe.

Ukusatshalaliswa kwezabelo okuzayo

izabelo

Kumenyezelwe futhi kulezi zinsuku ukuthi ibhodi labaqondisi ligunyaze ukusatshalaliswa kwemali ehambisanayo yemali engama-0,01 euros ngesabelo ngasinye, ngaphezu kwemali esivele isatshalalisiwe engu-0,02 euros ngesabelo ngasinye. Sekukonke, ama-euro ayi-0,03 ngesabelo ngasinye, okumele i-a ukukhokha 50%. Ngale ndlela, amasheya asebhange aqhubeka nokuba ngenye yenzuzo enkulu ngokwalokhu kukhokha kumnikazi wamasheya. Yize kuncishisiwe okwenzekile kule nkokhelo yokushintshaniswa kwesitoko futhi lokho kuzokwenzeka ezinyangeni ezizayo. Ngokuhambisana nezinhloso zamasheya asele abhalwe emakethe yezimali zaseSpain.

Iphinde yaba nomthelela ekutheni iBanco Sabadell ihlanganise i- imisebenzi eMexico ukuqinisa ibhizinisi lakho ezweni laseMelika Ephakathi. Kunoma ikuphi, umsebenzi ukhombisa imiphumela emihle yebhizinisi eMexico, eqhubeka nokudlula okulindelwe ukukhula kwayo unyaka nonyaka, ivala u-2018 ngokubekwa ngaphezulu kwama-37% ngokuhlobene nemiphumela yonyaka odlule, i-2017 futhi ethula ukuthathwa okulinganiselwa ku-316% uma kuqhathaniswa no-2017.

Ukuqhuma ezinyangeni ezimbalwa ezizayo

Kunoma ikuphi, kungenzeka ukuthi emasontweni ezayo noma ezinyangeni ezizayo ungakhuphula ukuphindaphindeka kwamandla athile. Njengomphumela we kwehle ukuthi ithuthukile nokuthi izovumelana nokulungisa ukunikezwa kwamanje kanye nokufunwa ezitokisini zayo. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe ngisho nasendaweni yokubuka kwezethenjwa zayo eziyisisekelo. Ngoba empeleni, kuyinto ejwayelekile ngokuphelele ukuthi iziphambeko zenzeke ezinsukwini ezizayo, futhi ngamandla amakhulu, kepha ngaphandle kokukhohlwa ukuthi ukuthambekela okuyisisekelo kwenani kucace phansi.

Inqobo nje uma ingakwazi ukubuyisa iyunithi le-euro, kuzoba nzima kakhulu ukuthi kube ukuphepha okunenzuzo kusukela manje kuqhubeke. Akumangalisi ukuthi kufanele kukhunjulwe ukuthi kuze kube muva nje ithengisa ngamazinga we 2 noma 3 euro ngesabelo ngasinye. Kusukela esiteji, akunakushiwo ukuthi amasheya eBanco Sabadell ashibhile. Hhayi kancane, uma kungenjalo lokho okuphambene nalokho kuyintengo izimakethe zezimali eziyibizayo okwamanje. Yize ukungabaza kungayisizi inkampani ebhalwe ohlwini ukuzinza ezintweni zayo. Ngokuphambene nalokho, bashaya phansi ukwesekwa ngemuva kokuxhaswa.

Isimo esibi samabhange

amabhange

Ngaphakathi kwethoni embi yomkhakha obalulekile wamabhange, uma isifiso sakho kungukutshala imali kule ngxenye, unezinye izinketho ezingaba mnandi kakhulu ngalesi sikhathi. Ngalo mqondo, i- I-Banco Santander ngukuthi isimilo esihle kunazo zonke siyathuthuka kulezi zinsuku futhi ngaphandle kwokwehla kwaso. Ihamba ebangeni elisuka ku-4 liye ku-5 euros ngamasheya ngamunye. Kepha ngakolunye uhlangothi, yisikhungo sezezimali esikhombisa ukuguquguquka okuncane ekuguqukeni kwamanani aso. Ngaphandle kokufinyelela emazingeni okuwa uSabadell noCaixabank abonisile kulezi zinsuku.

I-BBVA, ngokwengxenye yayo, inesaphulelo esibonakalayo emananini ayo ngenxa yokuwa kwayo okuphawulekayo futhi okuholele ekutheni idilize ukwesekwa okuqinile eyayinakho kuma-euro angama-5. Kuze kube seqophelweni lokuthi ukulinganiswa kwayo emakethe yamasheya kufaniswe nokwalowo esincintisana naye, ibhizinisi eliholwa ngu-Ana Patricia Botín. Ngesikhathi lapho okusha ukwakhiwa kabusha komkhakha wamabhange. Ngokutholwa okungenzeka okungakhuthaza ukuguquguquka okukhulu ukuba kwenzeke phakathi kwabo bonke abamele umkhakha.

Linda ngaphambi kokuthatha izikhundla

Njengoba kunikezwe lesi simo esejwayelekile, kungcono kakhulu ukuthi uphume emakethe noma okungenani umkhakha wamabhange. Akumangalisi ukuthi kusenezimanga ezingezinhle ezingavela ezingakwenza ulahlekelwe yimali eningi ezikhundleni ezivulekile. Ngakho-ke, kuyalulekwa ukulinda ngaphambi kokuthi ukwazi ukuthenga kusuka amanani wokuncintisana ukwedlula lezo ezibonisa kulezi zikhathi eziqondile. Ngezaphulelo ezingafinyelela naku-10% esikhathini esimaphakathi sezinyanga ezintathu noma eziyisithupha. Awudingi ukulindela imicimbi futhi ukuqonda kuzoba inani elengeziwe ngalesi sikhathi.

Akunakulibaleka ukuthi umkhakha wamabhange uwonke ungomunye wabasebenza kakhulu ekuqaleni konyaka. Yize lesi sikhathi, ngokombono omubi ongeke ukwazi ukukukhipha ekuthuthukiseni noma yiliphi isu lokutshala imali elinamandla. Akumangazi ukuthi kuningi ongakulahlekelwa endleleni futhi kufanele ukubheke njengamanje. Njengefomula yokugwema ukulahleka kuphothifoliyo yakho yezokuphepha ekupheleni konyaka. Ngaphandle kokunye ukucatshangelwa kwezobuchwepheshe ngisho nasendaweni yokubuka kwezethenjwa zayo eziyisisekelo. Ngoba impela, kuyinto ejwayelekile ngokuphelele ukuthi ukubuyela emuva kwenzeke ezinsukwini ezimbalwa ezizayo, futhi ngamandla amakhulu.


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  4. Ukuxhumana kwemininingwane: Imininingwane ngeke idluliselwe kubantu besithathu ngaphandle kwesibopho esisemthethweni.
  5. Isitoreji sedatha: Idatabase ebanjwe yi-Occentus Networks (EU)
  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.