Abatshalizimali bangakhetha kumabhange anhlobonhlobo ukuze basebenzise imali abayongele kulo nyaka onzima wezimakethe zezimali. Enye yalezi zinketho imelwe yiqembu lezezimali le- cap-maphakathi njengoba i-Bankia okwamanje futhi lapho abanye abahlaziyi bezezimali bekhomba khona amandla aphezulu wokubuyekeza esikhathini esifushane naphakathi. Noma kunjalo ngeke kube yisinqumo esingenabungozi njengoba uzokwazi ukuqinisekisa kule ndatshana.
U-Bankia uthole i- inzuzo ebaluliwe yama-euro ayi-703 weengidi ngonyaka wee-2018, okujamele ukwanda kwe-39,2% kuqhathaniswa nonyaka we-2017. Ngokwemiqondo ejwayelekile, inzuzo bekungama-788 wezigidi, okusho ukwehla kuka-3,4% uma kuqhathaniswa nezigidi ezingama-816 ezitholwe ekusebenzeni kwangaphambilini. Le yimiphumela, ngakolunye uhlangothi, engamukelwanga kahle ngabatshalizimali abancane nabaphakathi abakhethe ukuthengiswa kakhulu ezimakethe zezimali. Yize kungaphakathi komongo we-bearish kakhulu ezimakethe zezezimali futhi lokho kungahumusha lokhu kusebenza ezindaweni zokuhweba zezimali zamazwe.
Ngakolunye uhlangothi, ngonyaka wezimali odlule, i-Bankia inyuke ngo-5,5% the imajini yenzalo, kuze kufike ezigidini ezingama-2.049 zama-euro (noma kunjalo, ukube iBMN ibifakiwe esitatimendeni semali engenayo sango-2017, lo mugqa ubungehla nge-9,6%). Lokhu kungaba ngesinye sezizathu zokuthi kungani le datha ingavunyelwanga ngabatshalizimali. Esimweni esingazuzi izintshisekelo zeqembu lasebhange lilonke. Akumangalisi ukuthi ukuwa ngalezi zinsuku kuthinta zonke izinhlangano zamabhange, ngaphandle kwanoma yiluphi uhlobo. Kufika ezingeni lokuthi ungabheka ukuthi ngabe yisikhathi esihle yini sokufaka leli nani lamasheya waseSpain noma cha
Inzuzo yekota yaseBankia
UGoirigolzarri ukhombise nokuzethemba okukhulu ekuguqulweni kwebhizinisi onyakeni osanda kuqala. “Singena ngo-2019 sinenhlangano entsha. Inhlangano eyenzelwe ikusasa, inhlangano eshesha kakhulu futhi enesifiso esikhulu sokuvelela. Futhi-ke lokho kuzosinikeza imiphumela esikhathini esifushane, kodwa futhi nasesikhathini esimaphakathi neside ”. Ngokwakhe, i-CEO yale nhlangano, uJosé Sevilla, ubalule ukuthi "kuwo wonke u-2018 sikhule ezigabeni ezibalulekile zebhizinisi lethu, njengekhredithi yabathengi kanye nokuxhaswa ngebhizinisi, lapho sengeze khona ukwenziwa ngokusemthethweni futhi sandisa isabelo sethu semakethe" .
USeville ukugcizelele ukuthi unyaka uvala “kubaluleke kakhulu kukho konke okuphathelene nempilo yamabhalansi nokukhula kwenani lemali yethu, elizofinyelela ku-12,51% lapho ukuthengiselana okuqhubekayo kuvaliwe, okusigcina njengenye yezinhlangano ezixazululwa kakhulu emkhakheni ”. Ngesikhathi se-2018, iBankia inyuse umkhawulo wayo wenzalo ngo-5,5%, yaya kuma-euro ayizigidi ezingama-2.049 (noma kunjalo, ukube iBMN ibifakiwe esitatimendeni semali engenayo sango-2017, lo mugqa ubungehla nge-9,6%). Imali engenayo ekhomishini ikhuphuke ngama-25,3% (3,4% ngokuqhathanisa okufana nalokho) futhi imiphumela evela ekusebenzeni kwezezimali inyuke ngo-11,5%, okuvumele ukuthi umkhawulo ophelele ukhuphuke ngo-11,3% (wehle ngo-6,3% we-BMN) futhi wema ezigidini ezingama-3.368.
Ukwanda kwesahlukaniso ngesabelo ngasinye
Ngale miphumela, iBhodi labaqondisi izophakamisa uMhlangano Wabaninimasheya Jikelele phakamisa u-5% izabelo isabelo ngasinye, kuze kufike kumasenti ayi-11,576 (amasenti ayi-11,024 ngo-2017). Ngakho-ke, inani eliphelele elizokhokhwa kubaninimasheya be-Bankia lizoba ngama-euro ayizigidi ezingama-357, uma kuqhathaniswa nezigidi ezingama-340 ngonyaka owedlule. Inkokhelo ifinyelela ku-50%.
Ngesabelo samanje esingu-61,4% i-FROB esinaso e-Bankia, lesi sabelo sizomela enye inqubekelaphambili ohlelweni lokukhokha usizo olubalelwa kuma-euro ayizigidi ezingama-219. Ngakho-ke, usizo oluphelele ubuyiselwe imali ngemuva kokukhokha, okulindeleke ngo-Ephreli, kuzoba yizigidi ezingama-3.083 zama-euro, okuyizigidi ezingama-961 ezihambelana nezabelo ezinhlanu ezikhokhelwe kusukela ngonyaka we-2014.
Ukunikezwa kwamakhredithi
Ngakolunye uhlangothi, futhi maqondana nomsebenzi, ukwenziwa kwempahla ebolekiswe ngempahla kukhule ngo-6%, kuya kuma-euro ayizigidi ezingama-2.928; ngenkathi lezo zesikweletu sabathengi zikhuphuke ngo-13%, zaya ezigidini ezingama-2.286, nalezo ze- ezezimali zebhizinisi bakhuphuke ngo-13%, baya ezigidini eziyi-14.484. Ngale ndlela, ibhalansi yesikweletu sabathengi inyuke ngo-14,1% naleyo yezinkampani, u-4,4%. Ngokufanayo, ibhange lenze inqubekela phambili ebonakalayo ezindleleni zebhizinisi lokukhokha.
Ukukhokhiswa kwe- izindawo zokuthengisa zamaphoyinti (I-POS) ikhule ngo-15,2%, kwathi ukukhokha kwamakhasimende ezitolo kwenyuka ngo-12,8%. Konke lokhu kuhumushe ekukhuleni okusha kwamasheya ezimakethe, abemi ku-12,39% esimweni samatheminali ePOS kanye no-12% ekuthengweni kwamakhadi.
Ngasohlangothini lwezinsizakusebenza ze abathengi abathengisayo, uphele unyaka ngokuncipha kuka-0,3%, kuya kwizigidi ezingama-147.149 zama-euro. Kulokhu kuziphendukela kwemvelo, ukusebenza kwezimali zokutshala imali kwagqama, okwathi, onyakeni onzima kakhulu wezimakethe, wakhulisa isabelo sabo ngamaphuzu ayisisekelo ayi-17, saya ku-6,55%.
Ngamakhasimende amaningi
Ibhange lenyuse inani lamakhasimende nge-120.576 phakathi nonyaka futhi lenyusa ukwethembeka kwalo, ngoba ekupheleni konyaka lalinamakhasimende angaphezulu kuka-103.000 anemali etholwa ngqo.
Esizindeni samakhasimende, bekukhona nokwanda kwe- izinga ledijithaliNgakho-ke, ekupheleni konyaka, amakhasimende angama-45,4% ayedijithali kanti ama-25,8% okuthengiswa enziwa ngalesi siteshi, uma kuqhathaniswa no-15,7% wonyaka odlule. Kumele kuqashelwe ukuthi ama-31,4% wemvume yesikweletu sabathengi yenziwa ngokwamadijithi, njengoba kwaba yi-19,4% yenkontileka yezinhlelo zempesheni noma i-12,6% yezimali zokutshala imali.
Ngaphakathi kwalesi simo, kungenye yamaqembu ezezimali asebenze kahle kakhulu emakethe yamasheya eminyakeni yamuva. Ngaphezulu kwamabhange okubaluleka okukhethekile, njengesibonelo ezimweni ze- I-BBVA neBanco Santander. Ngakolunye uhlangothi, akunakukhohlwa ukuthi leli bhange livela eqenjini lezezimali elinezinkinga ezinkulu nokuthi ekuqaleni libangele ingxenye enhle yabatshalizimali abancane nabaphakathi ukuthi bakhombise ukungabaza okuthile ukuvula izikhundla kuleli xabiso inkomba yemali ekhethiwe Ukuhlukahluka kweSpain.
Cishe ama-euro angu-2,50
Ukulinganiswa kwamanani asebhange kungama-2,50 euros. Yize kunjalo, enye yezinhlaka zayo ezivamile eyayo ukuguquguquka okuphezulu futhi lokho kuye kwaholela ekwehlukaneni okukhulu phakathi kwezintengo zayo eziphakeme nezincane kuningi lezikhathi zokuhweba. Ngalo mqondo, asikwazi ukukhohlwa ukuthi eminyakeni embalwa edlule intengo yamasheya yaleli bhange lezentengiselwano yayingaphezulu kancane kweyunithi elilodwa le-euro. Lokhu kusho ukuthi ukusebenza kwakho kuphindwe kabili kulesi sikhathi.
Kodwa-ke, ngemuva kokunyuka okwenziwe eminyakeni yamuva akungabazeki ukuthi i- amandla aphezulu iphelelwe amandla futhi sekuvele kunzima kakhulu ukuvuselela kabusha, okungenani njengakwiminyaka edlule. Kepha kunalokho okuphambene nalokho, ukuthi kukhona ukulungiswa okubalulekile kumanani abo nokuthi kungasetshenziselwa ukuthatha izikhundla ngamanani entengo ancintisana kakhulu kunamanje. Ngaphandle kokunye ukucatshangelwa kobuchwepheshe futhi mhlawumbe futhi kusukela ekubukeni kwezisekelo zayo.
Umholi ekudlulisweni ngokushesha
Esinye sezici ezifanele kakhulu zaleli qembu lezezimali sivela ekutheni iBankia ihole ibhizinisi lokudluliswa ngokushesha ngesikhathi se-2018, unyaka wokuqala wokuba khona kwalolu hlobo imisebenzi emakethe yaseSpain, lapho ufinyelela i-quota engu-39% yenani elidlulisiwe. Ngokufanayo, ibhizinisi lihole leli bhizinisi ngenombolo yokusebenza, ngama-28% okudluliswa okwenziwe eSpain.
Kusukela ngoFebhuwari 2018, okuyinyanga lapho uhlelo lokudluliswa ngokushesha luqale ezweni lethu, ekupheleni konyaka, uhlelo ludlulise ama-euro ayizigidi eziyi-16.800 emisebenzini engaphezu kwezigidi ezingama-23,2, ngokusho kwedatha ye-Iberpay maqondana nokusebenza okwenziwa ngensizakalo ye-ASI4. Kulokhu, iBankia yenze ukudluliswa kwezigidi ezingama-6,6 ngenani elihlanganisiwe lama-euro ayizigidi ezingama-6.500.
Kunoma ikuphi, kungenye yamagugu ezimakethe zezimali zaseSpain okuzodingeka ukuthi unake kakhulu kusukela manje kuqhubeke. Ngoba ingakhulisa umfutho omusha oya phezulu ongayithatha ifike kumazinga asondele kakhulu kuma-euro amathathu ngesabelo. Yinto engeke yanqatshelwa esikhathini esimaphakathi nesikhathi eside, kuya ngokuthi izimakethe zamazwe omhlaba ziguquka kanjani emasontweni azayo.
Ukulinganiswa kwamanani asebhange kungama-2,50 euros. Yize kunjalo, enye yezinhlaka zayo ezivamile eyayo ukuguquguquka okuphezulu futhi lokho kuye kwaholela ekwehlukaneni okukhulu phakathi kwezintengo zayo eziphakeme nezincane kuningi lezikhathi zokuhweba. Ngalo mqondo, asikwazi ukukhohlwa ukuthi eminyakeni embalwa edlule intengo yamasheya yaleli bhange lezentengiselwano yayingaphezulu kancane kweyunithi elilodwa le-euro. Lokhu kusho ukuthi ukusebenza kwakho kuphindwe kabili kulesi sikhathi.