Ukulungiswa kwamanani entengo yamabhange asohlwini sekuyinto ejwayelekile kulezi zinsuku futhi okuholela ekutheni la magugu abe kwelinye lama- amazinga aphansi kakhulu eminyakeni yamuva. Lokhu kudalulwa ngemuva yibhange laseCanada lokutshala imali lamazwe omhlaba iRBC Capital Markets. Ngokunciphisa amanani entengo afakwe kuhlu emabhange akleliswe enkombeni ekhethiwe yezimali zaseSpain, i-Ibex 35.
Imbangela yalokhu kubukezwa ngokombono wamabhange kazwelonke empeleni yisinqumo sokugcina se-European Central Bank (ECB) sokugcina, okungenani, kuze kube yingxenye yokuqala ye-2020 amazinga wenzalo emazingeni amanje. Njengomphumela walesi senzo, amafemu ahlukene avuselele ukulinganisa kwawo kuzinhlangano zaseSpain. Cishe kuzo zonke izimo, ukwehlisa inani lentengo ebekiwe futhi kwezinye izimo ngamandla amakhulu ekusikeni kwalezi zimakethe ezimakethe zezimali.
Lesi simo sidale i- ingcindezi yokuthengisa qina kakhulu kulezi zinsuku. Kuze kube seqophelweni lokuthi wonke amasheya asemkhakheni obalulekile wamabhange asezingeni eliphansi kakhulu. Ikakhulukazi ngoba kuhloswe ngayo yonke imigomo yaphakade: imfishane, iphakathi nendawo futhi yinde. Ngaphandle kokulungiswa okunikeza amazinga afanele wokuhlehlisa izikhundla kusuka manje. Emvelweni wezomnotho wamazwe omhlaba ongavumelani kakhulu nezintshisekelo zalezi zibambiso ezibhalwe emakethe kazwelonke eqhubekayo.
Ukwehliswa kwamanani: Bankia
Ngaphandle kokungabaza, elinye lamagugu angasebenzi kakhulu aphume kulokhu kubuyekezwa kwentengo yi-Bankia. Lapho, kungakhohlwa ukuthi abahlaziyi bebhange laseCanada behlisa inani labo ababekiwe kusuka ku-2,2 euros kuya ku-2,1 euros ngesabelo ngasinye. Lokhu ngokwenzekayo kucabanga ukuthi ukulungiswa kusondele ku-5% futhi kusishiya singenamandla okubuyekeza emakethe yamasheya engxenyeni yesibili yalo nyaka. Akumangazi-ke ukuthi amasheya e-Bankia ewile kulezi zinsuku cishe ku-4,5% kwikhotheshini yawo ku-Ibex 35. Ukuba ngomunye wemisebenzi emibi kakhulu kulezi zinsuku.
Ngalesi sikhathi, kufanele kuqashelwe ngokukhethekile ngamasheya aleli nani, okungenzeka athengiswe kunokuthenga. Phakathi kwezinye izizathu ngoba ibandakanyeka ekwehleni okuyingozi okungaholela thola ama-euro angu-1,50 isenzo esikhaleni esifushane. Akujabulisi ngisho nokuthuthukisa imisebenzi yokuhweba ngoba yethula ukwehla kwamasonto onke. Futhi lesi sici sikhomba ukuthi sizoqhubeka ukwehla emakethe yezimali. Ngaphezu kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe ngokubuka kwezisekelo zako.
BBVA, kusuka ku-9 kuye ku-5 euro
Inani lalo lehle kakhulu eminyakeni yamuva, lalahlekelwa cishe uhhafu wenani lalo ezimakethe zezimali. Ngoba impela, futhi yize izindaba zivela emkhakheni, ezinye zazo zikhuluma ngokusobala. Isibonelo, iqiniso lokuthi ngemuva kokuthola ukugunyazwa okudingekayo okudingekayo, iqembu le-BBVA selikuqedile ukuthengiswa kweScotiabank yesabelo sayo esingu-68,19% ku-BBVA Chile nakwezinye izinkampani ezweni.
Inani lokuthengisa lifinyelela cishe kumadola ayizigidi ezingama-2.200. Lo msebenzi uzokhiqiza inzuzo ephelele yemali engaba yizigidi ezingama-640 zama-euro kanye nomthelela omuhle ku-CET1 'egcwele ngokugcwele' imali engamaphesenti angama-50. Kepha noma kunjalo, isimo sayo emakethe yamasheya sikhathaza ngempela izintshisekelo zabatshalizimali abancane nabaphakathi ababone ukonga kwabo emakethe yamasheya kuncishiswe kakhulu. Yize kuyisifiso sabo ukuthi bakwazi ukubalulama futhi okungenani banciphise kakhulu. Nge ukwahlukanisa isivuno okuyi-5,4% namuhla. Ngokukhokha okungaguquguquki futhi okuqinisekisiwe minyaka yonke nangecala lokukhokhisa i-akhawunti.
Izinzuzo zamabhange
Amabhange aseSpain athola inzuzo ebabazekayo engama-3.538 wezigidi zama-euro kwikota yokuqala yonyaka wezimali wezi-2019, okusho ukwehla kwe-11,4% uma kuqhathaniswa nesikhathi esifanayo sonyaka odlule. Ngokukhula okuncane kwebhalansi, ukwenziwa ngcono okuncane kwemali engenayo yenzalo kanye ne ukunciphisa izindleko zokusebenza bezinganele ukukhipha imiphumela engezansi etholwe ekusebenzeni kwezezimali. Endaweni ephawulwe ngamazinga wenzalo ephansi eYurophu, imali engenayo yenzalo iyonke inyuke ngo-2,7% kwaze kwaba uMashi futhi yafinyelela kuma-euro ayizigidi eziyi-14.822, kuyilapho imali isiyonke evela kumakhomishini yehle ngo-0,5% ngalesi sikhathi.
Ngenkathi ngakolunye uhlangothi, kungakhohlwa ukuthi i umkhawulo ophelele wehle ngo-1,2% ezinyangeni ezintathu zokuqala zonyaka futhi wema kuma-euro ayizigidi ezingama-20.896, ikakhulu ngenxa yokwehla kwemiphumela evela ekusebenzeni kwezezimali nokwehliswa kweminye imiphumela yokusebenza. Ngaphandle kokuthi ibhalansi emaphakathi inyuke ngaphezu kuka-1,5% unyaka nonyaka, izindleko zokusebenza zehle ngo-1%, okuvumele ukuthi isilinganiso sokusebenza kahle sigcinwe kuma-49,2%, phakathi kokuhle kakhulu ohlelweni lokubhanga lonke Iyuniyani yase-Europe. Lapho izinhlinzeko nezinhlinzeko zokonakala kwempahla zikhuphuke ngo-7,1% ezinyangeni ezintathu zokuqala zonyaka, kuyilapho ukubuyiswa kwemali (i-ROE) kumi kuma-7,01%, uma kuqhathaniswa no-7,97% ohambelana nesikhathi esifanayo ngonyaka owodwa ngaphambili.
Ubuhlongandlebe bamakhasimende bukhuphuka
Esinye isici okufanele sigqamiswe kulo mkhakha obalulekile wemakethe yamasheya yilokho okuphathelene nobuhlongandlebe babasebenzisi. Ngalo mqondo, imininingwane icace bha uma kucacile ukuthi isilinganiso sobubi ibingaphansi kancane kuka-4% ngemuva kokuncishiswa kwephuzu elingaphezu kwesigamu sephesenti uma kuqhathaniswa nezinga lonyaka ngaphambili, ngezinga lokumbozwa elilingana no-67,4% wezimpahla ezingabazekayo, uma kuqhathaniswa no-68,7% wonyaka odlule.
Ngenkathi ngakolunye uhlangothi, imininingwane yomkhakha nayo ikhombisa ukuthi amakhasimende imali Bama ngaphezu kwama-euro ayizigidigidi ezi-1,4, u-5,5% ngaphezulu kunangoMashi 2018, manje omele ngaphezu kwama-55% webhalansi eliphelele futhi evumela ukuthi isilinganiso semalimboleko kumadiphozithi sigcinwe kuma-108%. Esimweni samazwe omhlaba, lapho izinzuzo abazenzile kule nkathi ziphansi njengomphumela wentengo eshibhile yemali. Futhi lokho sekuholele ekutheni inani lenzalo endaweni ye-euro ibe ngu-0%, okungukuthi ngokungenanzuzo futhi lokho ngokungangabazeki kusinda emaphethelweni okulamula ezikhungo zezikweletu.
Umkhakha okufanele uwugweme
Akungabazeki ukuthi ngalesi sikhathi, imisebenzi enezikhungo zezezimali njengesizinda sayo kufanele igwenywe. Phakathi kwezinye izizathu ngoba kuningi okulahlekile kunokuzuza ngenxa yokwehla okwehla okuvezwa amanani abo. Owokugcina ukujoyina lo mkhuba kube njalo I-Bankinter ukuthi noma ngasiphi isikhathi ingashiya amazinga we-6 euros ngesabelo ngasinye. Kunini lapho ezinyangeni ezimbalwa ezedlule wayengoyena owayenesici sobuchwepheshe esihle kunazo zonke. Kepha manje ucabanga ngobungozi obuthile ekusebenzeni okungaba phezulu kakhulu ngokuthatha izikhundla.
Ngenkathi ngakolunye uhlangothi, kukhona nokudluliswa kwemali kusuka kubatshalizimali kuya kwizibambiso ezisebenza njengesiphephelo ngezikhathi zokungazinzi okukhulu ezimakethe zezimali. Njengoba kunjalo esimweni esithile se- izinkampani zikagesi ukuthi iningi labo basesimweni sokuvuka kwamahhala. Kungcono kunakho konke ngoba sebenakho ukumelana nokufaneleka okukhethekile ngaphezu kwezikhundla zabo zamanje. Ngakho-ke, bangahle bakhuphuke ngokwengeziwe ngokuvumelana kwamanani abo esiqeshini sesibili sonyaka.
Lindela namabhange
Ngale ndlela, kuncane okungenziwa ngalesi sikhathi namabhange abhalwe ezimakethe zezimali. Uma kungenjalo, okuwukuphela kwesu lokutshala imali elivumelekile linda, linda ulinde. Kuze kube khona ushintsho olucacile kumkhuba osiza ukuvula izikhundla kule minyaka embalwa ezayo. Kunoma ikuphi, intshisekelo yabatshalizimali abancane nabaphakathi ibilokhu yehla kulo nyaka futhi lokhu kuyisici okufanele sibhekwe lapho kwenziwa isu lokutshala imali.
Ngoba kuliqiniso ukuthi zimbalwa kakhulu izinto ezingenziwa emkhakheni wamabhange lapho icwiliswa phansi ngamandla amakhulu. Yize kubonakala sengathi ayikathinti phansi futhi amanani aphansi angabonakala kunalawo acashunwe kule ngxenye yonyaka. Ngalo mqondo, awudingi ukubeka engcupheni imali nganoma iyiphi indlela. Kungcono kunakho konke ngoba sebenakho ukumelana nokufaneleka okukhethekile ngaphezu kwezikhundla zabo zamanje. Ngakho-ke, bangahle bakhuphuke ngokwengeziwe ngokuvumelana kwamanani abo esiqeshini sesibili sonyaka.