Ibex 35 ivale ukuvalwa ngokuwa, ngokungafani nokukhuphuka kwezinye izimakethe ezinkulu e-United States nase-Europe, ngemuva kokwamukelwa okubandayo emakethe yamasheya esivumelwaneni se umfelandawonye phakathi kwePSOE namaPodemos. I-Bankia yinani elibi kakhulu futhi ishiya u-4,55%. Ngomzuzu obalulekile wokuthuthuka kwayo ngaphakathi kwezimakethe zezimali, futhi okungabhekiswa ohlangothini olulodwa noma kolunye, kuya ngokuhlukahluka okungakhula kusuka manje. Ngaphakathi komkhakha ongahambi ngezikhathi ezimnandi kakhulu, njengoba kubonwe ezinyangeni ezedlule.
Ngakolunye uhlangothi, kunochungechunge lwamanani esitokwe angalimazeka kakhulu kwizintshisakalo zebhizinisi lawo nguhulumeni ongase abe yingxenye yesobunxele eSpain. Vele, omunye wale mikhakha yibhange, ikakhulukazi iBankia. Njengoba uhlelo lwe-Unidos Podemos lucabanga ukuthi luyinhlangano ye- ubunikazi bomphakathi futhi leli qiniso lenza leli elinye lamanani eliwa kakhulu ezimakethe zezimali, lishiya cishe u-2% wokulinganiswa kwalo.
Kude kude nezikhathi lapho ngangikhombe ekutholeni i- amazinga kuma-euro angama-4 isenzo. Kepha ibuyele emuva kakhulu futhi isekelwa yibo bonke abasemabhange futhi esinye sezizathu ezisobala sokuthi amasheya ayo ehle ngo-40% ezinyangeni eziyishumi nambili ezedlule. Futhi okwamanje kunzima ukuthola ukuhlala eduze kakhulu namazinga ama-euro amabili ngesabelo ngasinye, ngaphandle kokuxhaswa ngamathemba omkhakha wawo futhi mhlawumbe nangokufika kwenkinga yezomnotho. Ngokwezinga elingakwazi ukungena ngalo ekulahlekelweni okuvele kubonisiwe kumanani abo.
Inhloso: ama-euro ama-2
Okwamanje, amasheya e-Bankia adayisa azungeze i- I-1,73 euro, elinye lamazinga aphansi kakhulu eminyakeni yamuva. Kuze kube seqophelweni lokukhansela izinzuzo ezinkulu ebezitholakele phakathi konyaka wezi-2015 kanye nowe-2018. Uma nje lokhu kuncishiswa okubalulekile sekukhiqiziwe, inhloso ukubuyela emazingeni ama-euro amabili nje kuphela futhi lapho ingacabanga khona ngezinhloso ezinhle kakhulu. Kunoma ikuphi, akukho ukuzethemba okukhulu kohlangothi lwabatshalizimali abancane nabaphakathi ukufinyelela le nhloso, ebonakala ikude kakhulu kunezinye izinyanga. Lapho ufaka umoya owehlayo osasebenza futhi onganikeza ukumangala okuningi kusukela manje kuqhubeke.
Ngenkathi ngakolunye uhlangothi, kunikela ngembuyiselo ehambisana nezinye izikhungo zezikweletu. Yize amahlebezi omzuzu wokugcina ephakamisa ukuthi kungancishiswa emasontweni azayo ngezincomo ezenziwe kusukela lapho I-European Central Bank (ECB). Iqiniso lokuthi, uma kwenzeka, lingaqala ukuthambekela okusha okwehlisela phansi okungabeka ngisho namanani abo emazingeni aphakathi kweyunithi ye-euro. Ebhekene nalesi simo, akumangazi ukuthi ingxenye enkulu yabatshalizimali abancane nabaphakathi banqume ukushiya izikhundla zaleli nani emkhakheni onamandla wemakethe yamasheya waseSpain. Ngesikhathi sokwenza imali yakho ezimakethe zezimali zaseSpain, enye yezinto okufanele ukwenze ukungatshali imali enjalo ngoba.
Ukujwayela ubuchwepheshe obusha
Ngakolunye uhlangothi, omunye wemicimbi efanelekile othinta lesi sikhungo sezikweletu yilowo obhekise eqinisweni lokuthi kungaba elinye lamagugu azwela kakhulu ezinyathelweni ezintsha zikahulumeni ongakwesobunxele. Futhi lesi ngesinye sezizathu eziyinhloko zokuthi kungani kushiye okungaphezulu kancane kuka-5% ngezikhathi ezimbili zokuhweba, okuholela ekuweni komkhakha. Akumangalisi ukuthi ithwele kanzima ngakho konke okumelwe umkhakha wamabhange njengamanje, okungenye yezinto ezibuthakathaka ngaphakathi kwe-Ibex 35. Ukuthi kube yinkimbinkimbi kakhulu ukusebenza emisebenzini yayo ngoba iziqinisekiso zokuphumelela zisezingeni elincane kakhulu isifiso sokwenza imali enenzuzo kusukela manje kuqhubeke.
Ngomqondo ohlukile, uhlelo lokusebenza lweselula lukaBankia seluziveze njengohlelo lwesithathu olusetshenziswa kakhulu emkhakheni wezezimali, kuyilapho lukhula kakhulu phakathi kwabantu abasha abangaphansi kweminyaka engama-25 ubudala, ngokusho kwe-Mobile Performance Index elungiselelwe yi-Smartme Analytics . Ngokuqondile, isicelo se-Bankia sikwazile ukuvala ikota yesithathu yonyaka ngokulinganisa kwamaphoyinti angama-62,4 futhi sazibeka ku-'3 ephezulu 'yomkhakha wezezimali waseSpain. Ngokwalo mbiko, uhlelo lokusebenza lwe-Bankia lukhuphuke cishe ngama-30% kwikota yesithathu uma kuqhathaniswa nolwesibili, olusuka kumaphoyinti angama-48,18 laya ku-62,4.
Yini engenziwa?
Ebhekene nalesi simo esiveza leli nani lomkhakha wamabhange, abatshalizimali abaningi abancane nabaphakathi bacabanga ukuthi yimaphi amasu abangawenza ngalesi sikhathi. Olunye lwezinhlelo ezingasetshenziselwa ukwenza imali etshalwayo ukulinda ukuwa kwezehlise ukuze kuthathe isikhundla esihlokweni sakho ngoba amandla okubuyekeza azobe ebanzi kunamanje. Ikakhulukazi uma isisekelo sokuqala sisethwe emazingeni ama-euro amabili ngesabelo ngasinye, okuyisona esinikezwe inombolo enhle yabahlaziyi bezimakethe zezimali. Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi lesi sikhungo sezikweletu singaba nokusabela okunamandla uma amanani ehla kakhulu ezinsukwini ezizayo. Ukwenza inketho kubatshalizimali ngephrofayili enolaka kakhulu.
Ngenkathi ngakolunye uhlangothi, futhi yisikhathi sokuthonya ukuthi amasheya angathengwa okwamanje lapho ukumelana nokubaluleka okuthile kudlulwa. Phakathi kwezinye izizathu, ngoba amazinga enzuzo angadlulwa kulabo abalinganiselwa lezi zikhathi ngenxa yokuthi banendlela ecacile phambili futhi bathole nokuphikiswa okusha endleleni. Uma nje ukuthambekela kwezimakethe zezimali kukuvumela kusukela manje. Kulokho okwakhiwa isu elidinga ubuchwepheshe obuthile engxenyeni yabatshalizimali abancane nabaphakathi. Ukuze ngale ndlela, kutholakale imbuyiselo ethile minyaka yonke lapho kungekho khona umholo ovela kwimikhiqizo yasebhange kanye nemikhiqizo etholakalayo yemali engenayo. Isibonelo, imali yesikhathi esimisiwe noma amabhondi ezinkampani angafinyeleli ku-1% ezimweni ezinhle kakhulu.
Ngakolunye uhlangothi, iqiniso lokuthi iBankia ingenye yezokuphepha ezinokusebenza okubi kakhulu eminyakeni yamuva lifanele. Kusuka kuma-euro ama-3 lapho bekuhweba khona eminyakeni embalwa edlule futhi lapho beqale khona umsebenzi we-bearish obathathe waya kumazinga wamanje wesilinganiso. Kulo mongo ojwayelekile, awekho amathemba amaningi okufanele uwafake kuleli nani ngoba okwamanje ukuthengisa kuziphoqa ngamandla athile kumthengi. Futhi lokho sekuholele ekutheni izikhundla zamanje zibekwe esimweni samanje. Lapho unokulahlekelwa khona okuningi kunokuwina, futhi ekugcineni yilokhu okuhilelekile kulawa macala akhethekile. Ngaphandle kwezindaba ezingakhiqizwa kusukela manje kuqhubeke.
I-Bankia inyusa umkhawulo wenzalo
Umphumela core, i-purely banking, ifinyelele kuma-euro ayizigidi ezingama-946, u-0,7% ngaphezulu konyaka odlule. Lapho ukwedlula kwemali etholwe ngaphezulu kwe-12% CET1 ilayishwe ngokugcwele kusukela ngo-2018 ibalelwa ezigidini eziyi-1.280, ngokuhambisana nenhloso yezigidi ezingama-2.500 ze- Isu Lamasu. Kwikota yesithathu elandelanayo, isamba semali-mboleko engangabazeki isiyonke ikhule futhi yeqa ama-euro ayizigidi eziyizinkulungwane eziyi-107.200. Inani lokwehliswa kwempahla emisha kabusha kukhule ngo-1,3% kuze kube nguSepthemba ngezinga lonyaka. Kuyaziwa ukuthi umthamo wama-NPAs (ongabazisayo futhi obekiwe ngaphambili) wehle ngezigidi eziyi-1.400 kuze kube manje kulo nyaka, kanti izinga lobugebengu lehle laya ku-5,5%.
Ngakolunye uhlangothi, kugcizelelwa ukuthi izinga lokutholwa kwamakhasimende ngenetha liyashesha futhi, ezinyangeni eziyi-12, isisekelo sikhuphuke ngabantu abayi-165.000 (68% ngaphezulu), ngenkathi inani lamakhasimende anemali engenayo likhuphuke ngo-126.000 ababuswa (+ 20%). I-Bankia isivale elinye ikota elilodwa njengomholi ekuqongeleleni imali ephelele yezimali zokutshala imali (izigidi ezingama-996) futhi ifinyelela kwizigidi ezingama-21.300 ezilawulwayo nezimakethwayo. Ukwaneliseka kwamakhasimende kugcina ukuthambekela okuphezulu okuphezulu, kufinyelela ngaphezulu kwe-90,3%, kufinyelela irekhodi elisha, futhi inkomba yezincomo ikhule ngamaphuzu angaphezu kweshumi ezinyangeni eziyisishiyagalolunye. Ekugcineni, kufanele kuqashelwe ukuthi amakhasimende angama-51,4% asevele edijithali futhi ngaphezu kuka-26% wokuthengiswa okuphelele sekwenziwe ngeziteshi zedijithali.
Ngakolunye uhlangothi, akukwazi ukukhohlwa ukuthi lesi sikhungo sezikweletu singaba nokusabela okunamandla uma amanani ehla kakhulu ezinsukwini ezizayo. Ukwenza inketho kubatshalizimali ngephrofayili enolaka kakhulu.