Ngabe kungcono ukuba seBanco Santander noma e-BBVA?

Ngomunye wemibuzo yakudala ebuzwa ngabatshalizimali abafuna ukuvula izikhundla emkhakheni wamabhange nokuthi sizozama ukucacisa. Amabili amabhange amabili amakhulu afakwe ohlwini lwenkomba ekhethiwe yama-equities kazwelonke futhi agcina ukufana okufanayo. Kepha lokho ezinyangeni ezedlule bathathe izindlela ezithile ezinokwehluka okuthile. Kuze kube seqophelweni lokuthi bacishe balingana ukulinganisa kwabo emakethe yamasheya.

Kukhona enye into phakathi kwe-Santander ne-BBVA futhi lokho ngukuthi kuzo zombili lezi zimo bakhokha izabelo kubaninimasheya. Ngenzuzo ecishe ibe ngu-5% ngezinkokhelo ezine zonyaka futhi ezitholakala esikalini esiphakathi kwamanani analezi zici. Kubatshalizimali abafuna ukwakha iphothifoliyo yezibambiso zemali engenayo engaguquki ngaphakathi kwamasheya nanoma yini eyenzekayo ezimakethe zezimali. Ukuba ngesinye sezimpawu zalo iminyaka eminingi.

Ngenkathi ngakolunye uhlangothi, la mabhange womabili ahole izimpilo ezifanayo eziholele abatshalizimali ukuba babe nokungabaza okuningi ngokuthi yikuphi ukuphepha abakhetha ukukuhlanganisa kuphothifoliyo yabo. Kunoma ikuphi, zingenye yamashipsi aluhlaza okwesibhakabhaka emakethe yamasheya aseSpain. Ngonhlamvukazi ophakeme nalapho zonke izinsuku izihloko eziningi zihamba futhi ziguquke zisuka kwesinye isandla ziye kwesinye. Okusho ukuthi, banemali eningi, enye yezindawo eziphakeme kakhulu ngaphakathi kwe-Ibex 35.

I-BBVA ne-Santander: ukwahlukahlukana

Ukuzinza kokuguqulwa kwamanani bekuyinto ehlale ikhonjiswa yiBanco Santander njalo. Eminyakeni yamuva ithuthe ebangeni elisuka ku-3,50 laya ku-6 euros ngesabelo ngasinye, linikeza uzinzo olukhulu kubatshalizimali abancane nabaphakathi. Ngaphezulu kwezinye iziphakamiso ezinikezwa ngamasheya kazwelonke. Lokho wukuthi, akubanga khona ukubuyekezwa okukhulu noma ukulahleka okukhulu kwenani. Ngaphandle kwamasonto ambalwa edlule lapho kubhekiswe emazingeni ama-euro angu-3,50 ngemuva kokulahlekelwa cishe iyunithi elilodwa le-euro ngesikhathi esifushane kakhulu.

Ngaphakathi kwalo mongo, kungashiwo ukuthi leli nani lebhange lizinzile kakhulu kune-BBVA. Ngesikhathi lapho umkhakha wamabhange ungekho ezikhundleni ezihamba phambili njengoba ujeziswa kanzima ngenxa yamanani wenzalo ephansi endaweni ye-euro, okulimaze imiphumela yayo yebhizinisi. Abahlaziyi bezezimali baze bacabange ukuthi ingehlela kuma-euro angu-3,20, lapho amazinga kungaba yithuba lebhizinisi langempela. Ngethuba lokubuyekeza okufanele libekwe njengelihle kakhulu.

I-BBVA ilahlekelwa ngu-50%

Enye into ehluke kakhulu yilokho okwenzeka kwi-BBVA nokuthi ayikaze iyeke ukuwa njengoba ithengise ngamazinga asondele kuma-euro angama-9 eminyakeni embalwa edlule. Kulesi sikhathi, ama-50% wokulinganiswa kwawo emakethe yamasheya ashiywe ngemuva. Ngokuhweba cishe ama-euro angama-4,50 futhi usondele kulowo ancintisana naye. Ama-margin, empeleni, anciphile futhi lokhu kusho ukuthi i-BBVA ingaba nenzuzo enkulu esikhathini esimaphakathi nesikhathi eside. Akumangalisi ukuthi kungenye yamagugu athuthukise ukusebenza okubi kakhulu ku-Ibex 35.

Esinye isici esidlalile ngaye udaba lokwehlulela angacwiliswa kulo ngenxa yamacala enkohlakalo athinta ubuholi obudlule. Futhi lokho ngokungangabazeki kuphikisana nezintshisekelo zebhizinisi ezimakethe zezimali. Ngaphandle kokuchayeka ezimakethe ezisafufusa, ezinjengeMexico neTurkey, ezingalethi imiphumela efiselekayo kubatshalizimali. Lapho okuthengiswa khona manje kucindezela kumthengi ngokusobala. Ngaphandle kwesisindo sayo esikhethekile esinaso ebhange laseSpain.

Inzuzo yesikhathi eside

Kwinto eyodwa womabili amabhange ezentengiselwano ayavumelana futhi lokho ukuthi lapho izinkinga emkhakheni wamabhange zixazululwa futhi namanani wenzalo ephakama futhi, angenza kangcono kunamanye amanani enkomba ekhethiwe yamasheya aseSpain. Kepha kungenzeka ukuthi kuze kwenzeke lokhu kuzodingeka silinde izinyanga eziningi noma ngisho neminyaka. Ngoba amabhange womabili abe sezingeni eliphansi ngokusobala izinyanga ezimbalwa futhi kuzothatha umzamo omkhulu ukuphuma kuwo. Yize basesimweni esicacile sokubukwa ngokweqile futhi kusuka kuleli phuzu bangaba yithuba lebhizinisi lokuvuselela ukonga kusukela manje.

Futhi ababhekwa njengabangenani lentengo yabo futhi into enhle abanayo ukuthi sebenalo kakade uhambo oluncane olubheke phansi. Ngokwalo mbono sebethenga ngaphezu kokuthengisa. Ngaphandle kobungozi obuthintekayo ekusebenzeni kwabo, ikakhulukazi kulo mongo ojwayelekile, okungathandeki kakhulu emkhakheni wamabhange. Lapho esikhathini esifushane bangaqhubeka nokuwa futhi nangomfutho othile, njengoba kwenzekile kuleli hlobo. Kunoma ikuphi, ngeke kube khona okunye abangakwenza ngaphandle kokukufaka kwi-radar ukubheka ukuthi yisiphi isikhathi esifanele sokuvula izikhundla. Ngokuguquguquka obekungenye yezinhlaka ezivamile ezinyangeni ezedlule.

Ngonhlamvukazi ophakeme nalapho zonke izinsuku izihloko eziningi zihamba futhi ziguquke zisuka kwesinye isandla ziye kwesinye. Okusho ukuthi, banemali enkulu, enye yeziphezulu kakhulu ngaphakathi kwe-Ibex 35. Kodwa kungenzeka ukuthi kuze kwenzeke lokhu kuzodingeka silinde izinyanga eziningi noma ngisho neminyaka.

Ukuqhathanisa kuwo womabili amabhange

Mayelana neBanco Santander, phakathi nohhafu wokuqala wonyaka, umkhawulo wenzalo wawungu-17.636 million euros, 4% ngaphezulu kunangesikhathi esifanayo sonyaka odlule, kuyilapho imali yesikweletu neyamakhasimende ikhule ngo-4% no-6%, ngokulandelana, kuma-euro aqhubekayo (okungukuthi, ngaphandle komthelela wamanani wokushintshaniswa). Kwikota yesibili, ibhange lenyuse inani lamakhasimende ngesigidi esisodwa, iSantander manje isisebenzela izigidi eziyi-142, ngaphezu kwanoma yiliphi elinye ibhange eYurophu naseMelika.

Zonke izinsizakalo zedijithali zihlelwe zaba yunithi entsha yeSantander Global Platform ukuqhuba isu. Ukwamukelwa kwedijithali kuqhubekile nokukhula kwisemester futhi sekuvele kukhona amakhasimende ayizigidi ezingama-34,8 asebenzisa amasevisi wedijithali kaSantander. Ngokwesilinganiso, amakhasimende angama-240 angena kwelinye lamapulatifomu asebhange angamaselula noma edijithali njalo ngomzuzwana, amele ukwanda kwama-28% ezinyangeni eziyi-12 ezedlule. Lapho, ikhwalithi yekhredithi iqhubekile nokuthuthuka, ngokuncipha kwenani lamaphuzu ayisisekelo ayi-11 kwikota, laya ku-3,51%, kanti izindleko zesikweletu zihlala zizinzile ku-0,98%.

Izindleko ekuhleleni kabusha

Mayelana nenani lemali, i-CET1 manje isiku-11,30%, amaphuzu ayisisekelo angama-50 ngaphezu konyaka owedlule, kanti iSantander ihlala ingenye yamabhange anenzuzo enkulu futhi asebenza kahle emhlabeni phakathi kontanga yayo, ngenzuzo eyimali ebonakalayo ebonakalayo (RoTE) 11,7%, kanye nesilinganiso sokusebenza kahle esingu-47,4%. Ngemuva kokukhokhiswa kwemali eyizigidi ezingama-108 kumenyezelwe kwikota yokuqala, ibhange liqophe inkokhiso entsha yezigidi ezingama-706 kwikota yesibili, ikakhulukazi izindleko ze ukuhlela kabusha kuhlelwe eSpain nase-United Kingdom (Ama-euro ayizigidi ezingama-626), kanye nezinhlinzeko ezengeziwe zomshwalense wokuvikela ukukhokha (i-PPI) e-United Kingdom (ama-euro ayizigidi ezingama-80).

Lawa macala abangele ukwehla kwenzuzo ebangekayo kwikota yesibili ye-18% unyaka nonyaka, kufika kuma-euro ayizigidi ezingama-1.391. Ngaphandle kwalezo zinkokhiso, inzuzo ejwayelekile yekota yesibili kwakungu-2.097 wezigidi zama-euro, u-5% ngaphezu kwekota efanayo yonyaka odlule: inzuzo ephakeme kakhulu yekota kusukela ngo-2011, iqhutshwa ukukhula kwezikweletu okuqinile eLatin America, intuthuko eqhubekayo yenzuzo eNyakatho Melika njengoba kanye nezindleko ezincishisiwe eYurophu.

Imiphumela ye-BBVA

Ngokuqondene ne-BBVA, ithole inzuzo ephelele yama-euro ayizigidi ezingama-2.442 kuze kube yikota lesibili lonyaka we-2, elimela ukwehluka okungama -2019% uma kuqhathaniswa nesikhathi esifanayo sonyaka odlule, njengoba kwabikwa yinkampani kuNational Securities Market Commission ( I-CNMV). Encwadini, ibhange lichaze ukuthi umphumela ubekwe ukwehla okukhulu kwempahla yezezimali, umphumela wezidingo ezinkulu zokuhlinzekwa e-United States, Mexico naseTurkey, ikakhulukazi kwikota yokuqala.

Kodwa-ke, isikhulu esiphezulu saleli bhange, u-Onur Genc, ​​uqhakambise "imiphumela emihle kakhulu" etholwe yibhange kwikota yesibili yonyaka, isikhathi lapho inzuzo ifinyelele ku-1.278 million. Ngokweminyaka nonyaka, le nzuzo yekota ibingu-2,6% ngaphezulu kufaka iBBVA Chile, eyathengiswa yibhizinisi ngoJulayi 2018, yize ngaphandle kokucabangela inkampani engaphansi kweChile, umphumela ungaba ngaphezulu kuka-6%. Kumininingwane edumaze ingxenye enkulu yabatshalizimali abakhethe ukuhlehlisa izikhundla kuleli nani lenkomba ekhethiwe yamasheya kazwelonke, i-Ibex 35.


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  6. Amalungelo: Nganoma yisiphi isikhathi ungakhawulela, uthole futhi ususe imininingwane yakho.

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