I-BBVA ivale unyaka wezimali ka-2025 nge inzuzo enkulu emlandweni wayoIqhutshwa ukubolekwa kwemali okuqinile, ukwanda kwemali engenayo ephindaphindayo, kanye nenzuzo phakathi kwabaphezulu emkhakheni waseYurophu, ibhange lishiya ngemuva isiqephu sesicelo sokuthenga iSabadell esihlulekile ukuthembela kuma-akhawunti aphula wonke amarekhodi angaphambilini.
Iqembu lifinyelele Inzuzo etholakalayo engama-euro ayizigidigidi eziyi-10.511Lokhu kumelela ukwanda okungu-4,5% kuma-euro amanje uma kuqhathaniswa no-2024 kanye nokwenyuka okungu-19,2% emazingeni okushintshana aqhubekayo. Lezi zibalo zihlanganisa indlela yeminyaka eminingi yokukhula kwenzuzo okuqhubekayo, okusekelwa yisisekelo samakhasimende esikhulayo, izinzuzo ezithuthukisiwe, kanye nokuzithiba kwezindleko.
Ukuthuthuka kwebhizinisi kanye nemivuzo yamarekhodi
Amandla ashukumisayo ngemuva kwalezi zibalo kube ukuguquguquka okunamandla komsebenzi. Isikweletu samakhasimende sikhuphuke ngo-16,2%. Ngamagama ajwayelekile, lokhu kubonisa inzuzo yesabelo semakethe ezimakethe eziningi lapho ibhange lisebenza khona. Lokhu kwanda kwenani, ikakhulukazi ezigabeni zenzuzo ephezulu, kuvumele i-BBVA ukuthi ithuthukise ikhono layo lokusebenzisa ibhalansi yayo.
Phezulu kwesitatimende semali engenayo, Imali engenayo yenzalo ifinyelele kuma-euro ayizigidigidi ezingama-26.280Imali engenayo engenayo ikhuphuke cishe ngo-14% ngezilinganiso zokushintshanisa eziqhubekayo, eziqhutshwa yizimakethe ezinkulu zeqembu. Imali engenayo yenzalo engenayo ngokwesilinganiso sempahla iyonke ikhuphuke yaya ku-3,27% kwikota yesine, uma kuqhathaniswa no-3,17% ngonyaka odlule, okubonisa ukuthuthuka kwenzuzo yempahla.
I-Las Amakhomishini aphelele afinyelele ku-8.215 billion eurosngokukhula kwamadijithi amabili ngokungaguquki ngenxa yezindlela zokukhokha kanye nokuphathwa kwempahla. Ukuhlanganiswa kwenzuzo yenzalo kanye nemali ekhokhwayo kuholele ekutheni imali engenayo ephindaphindayo efinyelela ku-34.496 million, 14,1% ngaphezulu kunango-2024.
El Inzuzo iyonke ime kuma-euro ayizigidi ezingu-36.931ngokukhuphuka okungu-16,3% ngamanani okushintshana angaguquki. Lokhu kubuyela emuva kwenze inkampani yakwazi ukwamukela kalula ukwanda kwezindleko nokugcina lokho okwaziwa ngolimi lwemboni ngokuthi imihlathi emihle futhi kuthuthukiswe ukusebenza kahle kweqembu.
I-Los Izindleko zokusebenza zifinyelele ku-14.332 billion eurosNgemva kokukhula cishe ngo-10% ngokwemigomo eqhubekayo, okubangelwa izindleko eziphezulu zabasebenzi, ubuchwepheshe, kanye nemisebenzi yezentengiselwano, amandla e-gross margin anciphise lokhu kwanda futhi kwaholela ekwehleni isilinganiso sokusebenza kahle esingu-38,8%, ithuthuka ngamaphesenti angaphezu kwamabili uma kuqhathaniswa nonyaka odlule.
Ngenxa yakho konke okungenhla, inzuzo ephelele ifinyelele kuma-euro ayizigidi ezingama-22.599Lokhu kumelela ukwanda okungu-20,4% ngaphezu kwenani elaqoshwa ngo-2024 kanye nezinga eliphakeme kakhulu elake lafinyelelwa yinkampani. Lokhu kusebenza, kanye nokuphathwa kwezingozi, kube yisihluthulelo senzuzo entsha eqopha umlando.
Ingozi, ukuxazulula izinkinga kanye nekhwalithi yebhalansi
Ukukhula kwebhizinisi kwakuhambisana nokwanda kwe- imibandela yokonakala kwezimpahla zezimaliokufinyelele ku-€6.073 billion, okungu-15,5% ngaphezulu kunonyaka odlule. Ukwanda kugxile kakhulu kumaphothifoliyo okuthengisa, okuhambisana nokukhula okunamandla kwemali mboleko.
Naphezu kwalo mzamo owandisiwe ekuhlinzekeni, izinkomba zekhwalithi yempahla zidweba isithombe esiqinile. Izindleko ezihlanganisiwe zengozi zivaliwe ku-1,39%.ngenkathi Izinga lokuzenzakalelayo limi ku-2,7%. futhi ukumbozwa kufinyelele ku-85%. ESpain, izindleko zobungozi zehle zaya ku-0,34% kanti ukungaziphathi kahle kwehle kwaya ku-3,1%, kanti ukumbozwa kungu-67%.
Ngokuphathelene nemali, ibhange ligcine i- isilinganiso se-CET1 esilayishwe ngokugcwele esingu-12,7% Ekupheleni konyaka, isilinganiso sasingaphezu kobubanzi obuhlosiwe bebhange obungu-11,5% kuya ku-12%, futhi ngokusobala sasingaphezu kobuncane obusemthethweni. Lesi sikhundla sivumela i-BBVA ukuthi ihlanganise ukukhula kwemvelo, imbuyiselo yabanikazi bamasheya, kanye nezinhlelo zokuthenga kabusha amasheya.
Le nhlangano iphinde igqamise ukuvela kwenani lencwadi elibonakalayo ngesabelo ngasinye kanye nezabelo, okukhuphuke ngamadijithi aphindwe kabili, okubonisa ukudala inani labanikazi bamasheya ngale kwenzuzo yokubala. Konke lokhu ngonyaka okuhambisana nenqubomgomo yezimali yeBhange Elikhulu laseYurophu kanye nokulungiswa kwentengo yemali ngemuva kokwenyuka kwezinga lenzalo kwangaphambilini.
Uhlelo lomlando lwenzuzo kanye nokuthenga kabusha
Ngokumelene nemiphumela ka-2025, i-BBVA izophakamisa i-dividend yemali ephezulu kakhulu emlandweni wayoSekukonke, inhlangano ihlela ukusabalalisa 0,92 euros isamba ngesheya ngalinye, ngemali ephelele, okumelela imali engaba yizigidigidi zama-euro ezingu-5.249, okungaphezu kuka-31% kunemali ekhokhelwayo ehambisana no-2024.
Kuleyo mali, ibhange selivele likhokhile Ama-euro angu-0,32 ngesabelo ngasinye ngoNovemba njengenzuzo yesikhashana. Inkokhelo eyengeziwe ehleliwe Ama-euro angu-0,60 ngesabelo ngasinyekusalinde ukuvunyelwa yizinhlangano ezibusayo futhi kuhlelwe ukuthi kube ngo-Ephreli 2026. Inqubomgomo yokusabalalisa isekelwe ku- Ama-50% enzuzo ebalwe.
Ngaphezu kwenzuzo, iqembu liqalise i- uhlelo lokuthenga kabusha amasheya olungavamile ngama-euro ayizigidigidi ezingu-3.960Ingxenye yokuqala, engama-€1.500 billion, yayivele isetshenziswe cishe ngo-43% ekupheleni kukaJanuwari, ngokusho kolwazi oluthunyelwe emakethe. Ibhange liyaqhubeka nokuzibophezela kwalo ukubuyisela kubanikazi bamasheya noma iyiphi imali eyengeziwe edlula ingxenye ephezulu yebanga eliqondiwe.
Inhlanganisela yezabelo kanye nokubuyiselwa kwemali kudlula 9.200 million euroLesi sibalo sibeka i-BBVA phakathi kwamabhange aseYurophu anezinqubomgomo zokuhola eziqine kakhulu. Naphezu kwalokhu, isilinganiso se-CET1 sihlala singaphakathi kobubanzi obuchazwe yibhange.
ISpain neMexico, izinsika zenzuzo yeqembu
Ngokwezindawo, ISpain neMexico zibangela iningi lenzuzoEmakethe yasekhaya, i-BBVA Spain iqophe irekhodi umphumela ongokomlando obhalwe phansi wama-euro ayizigidigidi ezingu-4.175, ngokukhula okungu-11,3% uma kuqhathaniswa nonyaka odlule ngenxa yokwanda kwemali engenayo ephindaphindayo, ukuzinza kwezindleko kanye nokuncipha kwezimali ezikhokhiswayo.
ESpain, i- Ukukhiqizwa kwesikweletu esisha kukhule cishe ngo-8%Lokhu kwagqama kakhulu ezinkampanini ezinkulu, emkhakheni womphakathi, kanye namabhizinisi aphakathi nendawo. Imali engenayo yenzalo ikhuphuke cishe ngo-3%, izimali zikhule ngesilinganiso esifanayo, kanti izindleko zehle kancane, okwaholela ekuthuthukisweni kokusebenza kahle kwendawo.
IMexico yahlala iyi- umshayeli oyinhloko wemiphumela yeqembungenzuzo engaba yi-€5.264 billion. Isikweletu kuleli lizwe sikhuphuke ngesilinganiso esiphezulu senombolo eyodwa, ngentuthuko ezigabeni zokuthengisa nabathengi, kuyilapho imali engenayo ephindaphindayo iqhubeka nokukhula ngenxa yemali engenayo yenzalo kanye nezimali ezikhokhwayo.
Indawo ye amabhange ngobuningi kanye namanye amabhizinisi, okuhlanganisa imisebenzi ye-Corporate & Investment Banking kanye neminye imisebenzi yamazwe ngamazwe, inikele cishe ngama-euro ayizigidi ezingu-627, izuza ekuxhasweni ngezimali kwamaphrojekthi kanye nemisebenzi yezinkampani eYurophu, e-United States nase-Asia.
Amakhasimende, ukwenziwa kwedijithali kanye nokuzibophezela ekuhlakanipheni kokwenziwa
Ngale kwezibalo ezingakalungiswa, i-BBVA igcizelela ukuthi isu layo lihilela umbono ogxile kakhulu kumakhasimendeLe ndlela ivumele ibhange ukuthi ligcine izikhundla eziphambili ekwanelisekeni kwamakhasimende, okukalwa yi-Net Promoter Score (NPS), ezimakethe eziningi lapho lisebenza khona.
Phakathi no-2025, inhlangano yasungulwa Amakhasimende amasha ayizigidi eziyi-11,5Kulezi, cishe izingxenye ezimbili kwezintathu zatholakala ngeziteshi zedijithali. Isisekelo samakhasimende asebenzayo manje singaphezu kwezigidi ezingu-80 emhlabeni jikelele, njengoba ukwanda kokungena kwamabhange eselula kanye nezinsizakalo ze-inthanethi.
La ukusungula izinto ezintsha kanye nobuhlakani bokwenziwa Banendima ebalulekile ohlelweni lweqhinga. Ibhange lisebenzise izinhlelo eziyisishiyagalombili ezinkulu ezisekelwe ku-AI, phakathi kwazo Umeluleki wedijithali oluhlaza okwesibhakabhaka, amathuluzi okusekela abaphathi, izixazululo zokwenza ngokuzenzakalela kwenqubo kanye nezinhlelo zokusebenza ezithile zokuthuthukiswa kwengozi kanye nesofthiwe.
Kule ndawo, i-BBVA ivale i- ukubambisana kwamasu ne-OpenAI Ngenhloso yokusheshisa ukwamukelwa kwalezi zobuchwepheshe, ukuthuthukisa ukwenziwa ngokwezifiso kokunikezwa, nokuqinisa ukusebenza kahle kwangaphakathi, inkampani ikholelwa ukuthi la makhono azoba yisihluthulelo sokuncintisana eminyakeni ezayo nokuqhubeka nokwandisa isisekelo sayo samakhasimende edijithali.
Ngesikhathi esifanayo, iqembu ligcine umfutho omkhulu ku- ukusimamaNgo-2025 yasakaza Ama-euro ayizigidigidi eziyi-134.000 ebhizinisini elizinzile44% ngaphezulu kunango-2024, kanye nebhizinisi lezinkampani eziwela imingcele likhule ngo-20% kuma-euro angaguquki, okuhlanganisa indima yebhange ekuxhaseni amaphrojekthi ahambisana nokuguquka kwamandla kanye nentuthuko esimeme.
Inzuzo, imakethe kanye nombono
Ngokuphathelene nenzuzo, i-BBVA iphinde yabekwa phakathi kwezinkampani ezizimele. izinhlangano ezinenzuzo kakhulu eYurophuImbuyiselo ku-equity ebonakalayo (ROTE) ibingu-19,3%, kanti imbuyiselo ku-equity (ROE) ibisondele ku-18,5%. Ibhange lihlose ukugcina la mazinga, noma ngisho nokuwadlula kancane, ngo-2026.
Nokho, inkampani iyavuma ukuthi ukusebenza kwesitoko emakethe yamasheya ngemuva kokushicilelwa kwemiphumela yayo kube yinselele. Ingxenye yemakethe izwakale umthelela wemibandela ephezulu, ukusebenza okunciphile kancane okuvela kwezinye izinkampani ezingaphansi kwayo, kanye nesimo esisha senzalo endaweni ye-eurozone.
Abaphathi baphikelela ngokuthi ibhange "esimweni sakhe esihle kakhulu" futhi isesimweni esihle sokuhlangabezana nezinhloso zayo zesikhathi esimaphakathi. Phakathi kwezinhloso ezimenyezelwe kukhona ukugcina imbuyiselo ecishe ibe ngu-20%, ukulondoloza noma ukuthuthukisa ukusebenza kahle, ukugcina ukukhula okuphezulu kwemali engenayo enenombolo eyodwa, kanye nokuqhubeka nokusabalalisa imali eyengeziwe ngokusebenzisa izinzuzo kanye nokuthengwa kabusha kwamasheya.
Uma sibheka phambili ku-2026, izibikezelo zangaphakathi zikhomba ku- ukukhula okwengeziwe kwesikweletu Ezimakethe ezibalulekile, ukukhula kulindeleke ukuthi kube cishe ngu-5% eSpain kanye nokukhula okuphezulu kwenombolo eyodwa eMexico. Ibhange liphinde lilindele ukwanda okuqhubekayo kokutshalwa kwezimali kwezobuchwepheshe kanye nedatha, yize lilindele ukuthi imali engenayo ithuthukiswe ukuze kulungiswe lezi zindleko.
Kulesi simo, i-BBVA ilindele ukuthi ukusebenza kahle kweqembu kuhlala kungaphansi kuka-40% nokuthi izinkomba zengozi zihlala zisezingeni eliqinile, zisekelwa ukuphathwa okuhlakaniphile kanye namathuluzi okuhlaziya ayinkimbinkimbi ngokwengeziwe.
Ukuphela kuka-2025 kushiya i-BBVA ne inzuzo eqopha umlando, inzuzo evelele kanye nezimbuyiselo zabanikazi bamasheya ezingakaze zibonwe ngaphambiliIsekelwa ukukhula kwemali mboleko, izinzuzo ezinkulu, kanye nesu elihlanganisa ukwenziwa kwedijithali, ubuhlakani bokwenziwa, kanye nokusimama, ibhange, elinesikhundla esiqinile sezimali kanye nesisekelo samakhasimende esikhulayo, libhekene nenselele yokudlula amarekhodi alo futhi ngo-2026 endaweni yokuncintisana kanye nesimo senzalo esishintsha ngokushesha.
