Omunye wemikhakha esebenza kakhulu ezinyangeni ezisanda kwedlula zezimali yibhange. Ngemuva kwemiphi imicimbi eseyakhiwe ezungeze i- ISantander neBhange Elidumile. Kepha kunabatshalizimali abaningi abalinde ukuvela kwesinye sezinsimbi ezisindayo zengxenye yasebhange, njengeBBVA. Kunabahlaziyi bezimali abaningana ababikezela ukuthi kungaba isimanga esihle ezinyangeni ezimbalwa ezizayo. Noma kungabuyekezwa okungaba ngaphezu kwamanani we-Ibex 35.
I-BBVA ingenye yamashipsi aluhlaza emakethe yamasheya kazwelonke nesisindo esithile sayo yonke into eyenzeka enkombeni ekhethiwe. Kokuhle kokubi futhi kunoma yikuphi kungenye yamabhange amabili amakhulu we i-panorama kazwelonke. Kufike ezingeni lokuba khona engxenyeni enhle ye- amaphothifoliyo okutshalwa kwezimali eyethulwe ngabatshalizimali abancane nabaphakathi. Zimbalwa zazo ezingakaze zibhekiswe kunoma yikuphi ukusebenza kwakho ezimakethe zezezimali. Kungenzeka ukuthi uthenga ngaleli xabiso elibalulekile njengamanje.
Ukuphindaphindeka kwamanani wamasheya we-BBVA kubonakala ngokushesha ekuziphatheni kwamasheya kazwelonke. Ukuba ngenye yezinto ezifanele kakhulu futhi kukhona nakuzo zonke ukuhlaziywa lapho amafemu wezezimali abaluleke kakhulu abekwenza. Ngokubuyekezwa okuqhubekayo kwentengo yakho ekhonjiwe futhi lokho kungakusiza ukuthi wakhe isu elilungile lokuvula noma lokuhlehlisa izikhundla kuleli nani elibalulekile. Futhi ikakhulukazi i-panorama yesiyaluyalu somkhakha wamabhange kulo lonke izwekazi laseYurophu.
I-BBVA: imiphumela yebhizinisi
Ngaphambi kokwenza isinqumo maqondana nalesi sikhungo sezezimali, kunconywa kakhulu ukuthi ube nombono ocacile wokuthi siyini isimo sebhizinisi lakho. Yebo, imiphumela yakamuva ayivezile ikhombisa ukuthi isimo sakhe ngokusobala sivuma kahle ukuze ukwazi ukuthenga amasheya akhe kusukela manje kuqhubeke. Ngoba impela, zihamba phambili kule minyaka emibili edlule futhi lesi sifundazwe kufanele sibonakale ekuthuthukisweni kwentengo yohlu lwayo ezimakethe zezimali. Yize ingeke yaziwe ngezigaba, izosebenza ngempumelelo.
Ngoba kulo nyaka kukhiqizile ikesi lenzuzo etholwa ngama-euro ayizigidi ezingama-180 ngenxa yokuthengiswa kwebhange laseChina. Mayelana nezindawo zebhizinisi, iMexico ilahlekelwa isisindo esithile eqenjini lezezimali, yize ithuthukisa imiphumela yayo. Ngenzuzo ephelele ekhula ngo-10%. Ngenkathi kwenzeka okuphambene nalokho, imakethe kazwelonke uqobo ithola isisindo esithe xaxa kuma-akhawunti asebhange, ithola cishe ama-55% ngalesi sikhathi. Amanye ama-akhawunti, ngokuvamile, atholwe kahle kakhulu ngabatshalizimali.
Thola okungu-69% ngaphezu konyaka odlule
Uma uhlela ukuthatha izikhundla kuleli qembu lezezimali, kufanele ukwazi lokho ngekota yokuqala yonyaka uzuze ama-euro ayizigidi eziyi-1.200. Le datha isho ukuthi inzuzo yakho inyuke ingekho ngaphansi kuka-69% ngalesi sikhathi. Kunoma ikuphi, kuyisibalo esiphakeme kunalokho obekulindelwe izimakethe zezezimali futhi ngenxa yalokho kufanele kuhunyushwe ngombono omuhle kubo bonke abatshalizimali. Futhi nokuthi izinga lokushintshisana lidlalile ngokumelene nezintshisekelo zebhange. Ngoba uma kungenjalo, ukubuyiselwa kwabo bekungahle kufinyelele kumaphesenti aphezulu, ikakhulukazi ama-79%.
Imibiko yabo bonke abahlaziyi bezezimali ikhombisa ukuthi umphumela ukhombisa amandla weBBVA wokukhiqiza imali engenayo evela kunoma iyiphi indawo. Akumangalisi ukuthi enye idatha yokubaluleka okukhethekile evezwa kuma-akhawunti ebhizinisi ukuthi izindleko zehliswa cishe nge-1%. Ngenkathi kwenzeka okuphambene nalokho, Imali engenayo yenzalo iyonke inyuke ngo-4,1%. Akunakulibaleka ukuthi ngesinye sezici ezenziwa umsebenzi wokuhweba wamabhange nokuthi unqume kakhulu ekulinganiseni isimo sama-akhawunti abo ebhizinisi.
Ukufakwa kuhlu kwesitoko
Izabelo zeBBVA zazise kulo nyaka ngamaphesenti angaba ngu-16%. Ukusebenza okungathathwa njengokugculisayo kubatshalizimali, kepha ngaphandle kokufinyelela emaphethelweni ezinye izikhungo zezezimali ezikhombise ukusebenza okungcono kumasheya kazwelonke. Njengakumacala athile we UBanco Santander noBankia. Kunoma ikuphi, kungenye yezindinganiso eziye zaba nohambo oluphakeme ngokwengeziwe yizinkampani ezibalulwe eSpain.
Vele, akunakulibaleka ukuthi muva nje amasheya ayo ebehweba ngamazinga ama-euro amane. Ngakho-ke, cishe i-100% izobe ikhiqiziwe uma lezi zintengo zithathwa njengesithenjwa. Ngenzuzo engenhla enikezwa ezinye izingxenye zemakethe yamasheya ezinokubaluleka okuthile ezimakethe zezimali zikazwelonke. Ngokwalo mbono, akumangazi ukuthi ingxenye enhle yabahlaziyi bezezimali ingeyokukhetha ukuthi ingxenye yamandla ayo okwazisa isivele iphelile.
Ngokusatshalaliswa kwezabelo
Esinye sezikhuthazo zokubhalisela amasheya aleli bhange elibalulekile ukwabiwa kwezabelo okwenzayo minyaka yonke. Ngenzuzo ezungeze i-6% okwenziwe ngokusemthethweni ngezinkokhelo ezine zonyaka ezizoya ku-akhawunti yakho yokuhlola. Isizathu sokuthi kungani kuyinani elifanele kakhulu amaphothifoliyo wokutshalwa kwezimali alondolozeka kakhulu. Ngoba abaphathi bayo bazokwazi ukukhokha okuhleliwe nokuqinisekisiwe njalo. Ngaphandle kokuvela kwayo ezimakethe zezezimali.
Lo mholo onikezwa bonke abaninimasheya wenza isimangalo sokuheha abatshalizimali. Ngoba isabelo saso singububanzi obumaphakathi balo mholo wabaninimasheya futhi sifana kakhulu nse esinikezwa ngamanye amabhizinisi ezezimali. Eletha ngayo imithombo emibili engenayo futhi lokho kusiza kakhulu ukuvikela ukonga ezimweni ezimbi kakhulu ezimakethe zezimali.
Izici zaleli nani
Kunoma ikuphi, kuyi- value eliqinile kakhulu futhi lokho ngokuvamile akukwenzi ukwehla okukhulu kwentengo yezingcaphuno zayo. Akumangalisi ukuthi ayibonakali ngokuguquguquka kwayo okuphezulu. Kepha, kunalokho, kuhlukaniswa nokuzinza okuthile kuzinguquko ezikunikeza zonke izinsuku zokuhweba. Akujwayelekile ukuthi ungathola ukulahlekelwa okukhulu uma ukhetha ukuvula izikhundla kulesi siphakamiso semakethe yamasheya yaseSpain. Kepha ngesizathu esifanayo, ungabheki ukuba usozigidi ngobusuku obunaleli nani noma.
Ezinye zezici zayo eziyinhloko ukukhokhelwa okukhulu okuvezwa ezimakethe zezezimali. Enye yezinto eziphakeme kakhulu ku-Ibex 35 nokuthi ingakusiza ungene futhi uphume ezikhundleni zabo kalula futhi ngokushesha kukho konke ukunyakaza. Ngaphezu kwalokho, awukwazi ukukhohlwa ukuthi nsuku zonke kunezigidi zabatshalizimali ezishintshanisa iziqu zazo. Ngokusebenza okungenakubalwa, kokubili ukuthenga nokuthengisa. Kuze kube seqophelweni lokuthi izenzo zalo zingaphansi kokusebenza kwezimali ezibaluleke kakhulu zokutshala imali emhlabeni.
Umbono walo nyaka
Uma kukhulunywa ngokuthi yini ongayenza esikhathini esisele sonyaka, imibono yochwepheshe bezokulingana ayihambisani. Kude nalokho, ngoba abanye babo batusa ukuthengisa amasheya kubhekwa ukuthi kunamathuba amancane okukhula okuphela konyaka. Ngenkathi kwenzeka okuphambene nalokho, abanye baveza ukuthi yisikhathi esihle sokuthatha izikhundla kwi-BBVA. Ngoba inikeza okuphelele ukulingana phakathi kokusebenza kwakho nezingozi okubandakanya ukuqashwa kwalo kusukela manje kuqhubeke.
Ngalo mqondo, konke kubonakala sengathi kuningi ongakunqoba kunokulahlekelwa. Kepha njalo ngokuqapha okukhulu ekusebenzeni kwabo. Lapho ukongiwa kwemali kumele kudlule kukho okunye ukucasulwa okunamandla kakhulu. Yize ama-euro ayisishiyagalolunye ngesabelo ngasinye kuyizinga eliseduze kakhulu nezikhundla zamanje, akukhuthazwa ukuba nethemba eleqile. Kwezinye izizathu, ngoba kukhona okunye ukumelana okufanelekile endleleni. Ngokwezinga elingavimba ukufeza le nhloso esikhathini esifushane naphakathi.
Esinye isici okufanele sihlolwe ngalesi sikhathi isimo samanje sezimali zamazwe omhlaba. Isukile ekubeni ne-bullish iye ekuhambeni nge-lateral range, ngisho nangokukhetha okuncane kwe-bearish. Akumangalisi ukuthi ingalimaza intengo yamasheya ayo ngakho-ke bekungeke kumangaze ukube bekukhona okunye ukulungiswa ezinyangeni ezizayo. Ukuthi ungasebenza njengendawo yokungena yokwenza ukonga kube nenzuzo ngalesi sikhathi.
Okunye okuphawulekile intshisekelo eqinile inani eliqoqwayo phakathi kwamaqembu athile otshalo-mali. Babona kuleli bhange ithuba lokuthenga ngaphezu kwamanye amanani abaluleke kakhulu. Lesi senzo singaholela ekunyakazeni okubalulekile ezimakethe futhi lapho kuzodingeka silindele kakhulu ngokungenzeka ezinsukwini noma emasontweni azayo. Kunoma ikuphi, ingenye yezinkampani ezisebenza kakhulu ngezikhathi zokugcina zokuhweba.