I-Bankinter ingomunye wabamele i ibhange eliphakathi enesincomo esingcono esivela kubahlaziyi abahlukahlukene bezezimali. Kufika ezingeni lokuthi lingaba namandla okubuyekeza liphakeme kakhulu kunalelo elenziwe amabhange amakhulu aseSpain. Njengolunye lwezinketho zokujoyina iphothifoliyo yabatshalizimali abancane nabaphakathi ukusukela manje. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo.
Okwamanje amasheya aleli qembu lezezimali asemazingeni ahlanganisiwe phakathi kwama-7 nama-8 euros. Uma lokhu kumelana kokugcina kudluliwe, akunakuphikwa ukuthi kungaze kukhuphuke kuye kuma-euro ayi-10, yize kuleli cala kuhloswe esikhathini esimaphakathi neside. Ngoba vele akunakulibaleka ukuthi icwile esikhathini esibi lapho amabhange ahamba khona ezimakethe zezimali. Futhi ngalomqondo, i-Bankinter ngokuqinisekile ayinakuba okuhlukile. Kuzodingeka ukuthi sithembe ukuthi ekugcineni lo mkhakha usebenza kahle ukuvula izikhundla kuleli nani lenkomba ekhethiwe yemakethe yamasheya aseSpain, i-Ibex 35.
Ngenkathi kwenzeka okuphambene nalokho, kuyadingeka futhi ukuhlaziya ukuthi intengo yamasheya ayo ivela emazingeni aphansi kakhulu kunokulinganisa enakho okwamanje. Ngakho-ke, kufanele uqaphele kancane ngaphambi kokungena ezikhundleni zabo ngoba izingozi ekusebenzeni zihlala zikhona futhi ikakhulukazi kulezi zinyanga ezinzima emakethe yamasheya aseSpain futhi ikakhulukazi emkhakheni wamabhange. Enye yezinto ezimbi kakhulu ebisenziwa kusukela ngo-2017. Lezi yizinto eziguquguqukayo okumele zibhekwe ngaphambi kokwenza isinqumo, ngandlela thile. Kungaleso sizathu sinquma ngaphezu kokunye ukucatshangelwa.
Imiphumela ye-Bankinter
Inzuzo ephelele ye-Bankinter ifinyelelwe 526,4 million euro ku-2018, 6,3% ngaphezulu esikhathini esifanayo sonyaka odlule. Ibhizinisi lithole lezi zinombolo zamarekhodi ngenxa yebhizinisi lalo eliphindayo futhi "ngamandla alo amakhulu: inzuzo, ukusombuluka nekhwalithi yezimpahla, ezikhundleni zokuhola emkhakheni." Ezokuphepha (CNMV).
Lapho i-Bankinter ibike khona ukuthi inzuzo ephelele yebhizinisi ekupheleni konyaka odlule ibimi kuma-euro ayizigidi ezingama-526,4, kanye Inzuzo ngaphambi kwentela ezigidini ezingama-721,1, ezimele ukukhuphuka maqondana nonyaka owedlule ka-6,3% no-6,5%, ngokulandelana. Ngalo mqondo, leli qembu lezezimali livalile i-2018 ngokukhula kuwo wonke amabanga. Imali engenayo yenzalo iphela ngo-2018 kuma-euro ayizigidi eziyi-1.094,3, okuyi-5,8% ngaphezulu kwedatha efanayo yonyaka odlule.
Imigqa yebhizinisi elinganisiwe
Imiphumela ye-Bankinter Group isuselwe cishe ngokuphelele ebhizinisini lamakhasimende, elibenza babe nokusimama ngekusasa. I-Bankinter ihlanganise eminyakeni embalwa edlule isu lokuhlukaniswa kwemali engenayo lapho amabhizinisi avuthiwe futhi esiphikisayo ngamabhizinisi amasha afakiwe futhi anezinga lokukhula eliphakeme, okuvumele ukuthuthukiswa okulinganiselayo kukonke.
Umnikelo ngokwemigomo yayo yonke le migqa ebangeni eliphelele lebhange ubulokhu wehluka eminyakeni edlule njengomsebenzi wokuvelela okwandayo kwala mabhizinisi amasha, njengeBankinter Portugal noma i ibhizinisi labathengi. Ulayini owenza umnikelo omkhulu kunayo yonke imali isalokhu iqhubeka iba yiBusiness Banking, ngama-30%.
Ngale kwemingcele yethu
Ngakolunye uhlangothi, Iphothifoliyo yemalimboleko Leli bhizinisi libhekane nenkambiso yokukhula iminyaka eliholele onyakeni wokuvala ngama-euro ayizigidi ezingama-24.000, okuyizigidi ezingama-22.600 zazo ezihambelana nesikhwama semalimboleko sezinkampani zaseSpain, ezimele u-3,2% ngaphezu konyaka ongaphezulu, lapho umkhakha njengo Konke kwehle ngo-5,1%, ngokusho kwedatha kusukela ngoNovemba kusuka eBhange laseSpain.
Umsebenzi wezokuxhumana nobudlelwano ubulokhu uthola isisindo ebhizinisini leNkampani, ngamakhasimende athembisa ibhange ngengxenye ekhulayo yomhlaba yezidingo zabo zezezimali. Lokhu kukhonjisiwe, ngokwesibonelo, kufayela le- ukukhula kwemali engenayo, ezimele ngaphezulu kwe-18% ngonyaka. Ngendlela efanayo, lokhu kuxhuma okukhulu kwezinkampani nebhange kuholele emiphumeleni emihle etholwe yimisebenzi ekhethekile efana ne-Investment Banking noma i-International Business, esivele ikhiqiza ama-27% wekhasi eliphelele lebhizinisi lonke leNkampani nalapho iBankinter namuhla luphawu lokulinganisa emakethe.
Ukwehlukaniswa kuphrofayili yasebhange
I-Commercial Banking, noma yabantu, yiyona ulayini wesibili webhizinisi webhange ngokususelwe ekunikeleni kwalo emalini eseceleni, ngama-28% wengqikithi. Ngaphakathi kwalolu hlu lwebhizinisi, ingxenye yeBhange Elizimele, elihlanganisa amaklayenti nezimpahla ezinkulu kakhulu, likhombise ukubekezelela isimo esinzima kakhulu. Ekupheleni konyaka, izimpahla ezilawulwayo zala maklayenti zifike kuma-euro ayizigidi ezingama-35.600, okuyi-2% ngaphezulu konyaka odlule, yize kuncishisiwe ama-euro ayizigidi ezingama-2.500 akhiqizwa emaphothifoliyo ngenxa yomphumela wemakethe. Ngaphezu kwalokho, ibhange lithathe ama-euro ayizigidi ezingama-3.100 ezimalini ezintsha kula maklayenti, uma kuqhathaniswa ne-2.800 ngo-2017.
Ingxenye esemqoka yalolu hambo lwebhizinisi yingxenye ye-Personal Banking, eqede unyaka ngokulingana kwama-euro ayizigidi ezingama-21.600, okungu-2% ngaphezulu yize kube nomphumela wemakethe owehlise inani lephothifoliyo ngama-euro ayizigidi eziyi-1.000. Imali ephelele ebanjwe phakathi kwala maklayenti ngo-2018 yayiyizigidi eziyi-1.400. Nakulokhu futhi, ukusebenza kahle kwemikhiqizo kudonsela ngokusobala amakhasimende amasha, njenge-akhawunti yabasebenzi kanye izikweletu zemali ngezindlela ezahlukahlukene.
Ngakho-ke, iphothifoliyo yama-akhawunti wabasebenzi ekupheleni konyaka ibimi kuma-euro ayizigidi ezingama-8.317, okungama-22% ngaphezulu kunango-2017. Mayelana nemali mboleko yokuhlala, umthamo womkhiqizo omusha ngonyaka wawungu-2.532 million euros, 11% ngaphezulu kuka-2017, okungu-30% walezi zibambiso ezingeni elinqunyiwe.
Inkampani yomshuwalense exhunyiwe
Umugqa oqondile yi ulayini wesithathu webhizinisi maqondana nomnikelo ebangeni eliphelele lebhange, ngama-22%. Inani lezinqubomgomo noma ubungozi obuqinisekiswe yile nkampani engaphansi lifinyelele ezigidini ezingama-3,01 ekupheleni konyaka, okuyi-7,9% ngaphezulu kunango-2017. Amaphrimiyamu abhaliwe ngo-2018 afinyelela kuma-euro ayizigidi ezingama-853,1, okuyi-7% ngaphezulu konyaka odlule, ne ukukhula kwamaphrimiyamu ezimoto angu-5,3% uma kuqhathaniswa nesilinganiso esingu-2,4% somkhakha; kanye no-12,4% ngaphezulu kumaphrimiyamu aseKhaya, uma kuqhathaniswa nokukhula okujwayelekile komkhakha kule ndlela ka-3,2%, nedatha kusukela ngoNovemba. Isilinganiso esihlanganisiwe saleli bhizinisi simi kuma-87,3% ekupheleni konyaka, kanti i-ROE ingama-38%.
Mayelana ne Ibhizinisi labathengi, esebenza ngeBankinter Consumer Finance, iphothifoliyo yamakhasimende manje isidlula izigidi eziyi-1,3, i-18% ngaphezulu kunalezo ezazikhona ngonyaka owedlule. Umsebenzi webhizinisi labathengi uhlale ngesivinini esihle unyaka wonke, ngebhalansi yama-euro ayizigidi ezingama-632 kwizimalimboleko ezintsha ezimele ama-46% enani elifanayo nangoDisemba 2017.
Iphothifoliyo yokutshala imali yasebhange
Mayelana nephothifoliyo yokutshala imali, ivale unyaka kuma-euro ayizigidi ezingama-2.000 34, ngokukhula kwama-2018% uma kuqhathaniswa nesibalo esifanayo ngonyaka owedlule. Ngokuqondene neBankinter Portugal, okuwumugqa webhizinisi osanda kufakwa emsebenzini waleli bhange, ivale i-XNUMX ephumelelayo kuzo zonke izihloko zalo, ngokukhula kwamadijithi amabili zombili izinsizakusebenza, i-17% ngaphezulu kunango-2017, nasekutshalweni kwemalimboleko, ifinyelela ivolumu yama-euro ayizigidi ezingama-5.400, i-12% ngaphezulu konyaka odlule, ngokukhula kwephothifoliyo yemalimboleko yebhizinisi ebaluleke kakhulu: okungu-42% ngaphezulu.
Ngokufanayo, wonke amabanga we-akhawunti ye-Bankinter Portugal akhombisa ukukhula okukodwa ubukhulu obuphawulekayo: 13% ngaphezulu kumholo wenzalo ephelele, u-14% ngaphezulu kumugqa ophelele, no-73% ngaphezulu kuka-2017 kumugqa osebenzayo. Ngakho konke lokhu, inzuzo ngaphambi kwentela yalo msebenzi idubula ifike kuma-euro ayizigidi ezingama-60, ama-92% ngaphezulu kunalawo atholwe ku-2017. Njengedatha yokubonisa ukuthi ngabe leli bhange laseSpain lingaba isihloko semisebenzi yethu emakethe yamasheya.
Ingxenye esemqoka yalolu hambo lwebhizinisi yingxenye ye-Personal Banking, eqede unyaka ngokulingana kwama-euro ayizigidi ezingama-21.600, okungu-2% ngaphezulu yize kube nomphumela wemakethe owehlise inani lephothifoliyo ngama-euro ayizigidi eziyi-1.000. Imali ephelele ebanjwe phakathi kwala maklayenti ngo-2018 yayiyizigidi eziyi-1.400. Nakulokhu futhi, ukusebenza kahle kwemikhiqizo kudonsela ngokusobala amakhasimende amasha, njenge-akhawunti yabasebenzi kanye izikweletu zemali ngezindlela ezahlukahlukene.