I-Banco Sabadell ivale unyaka wezimali ka-2025 nge- inzuzo ephelele etholakala kuma-euro ayizigidi ezingu-1.775Lesi sibalo simelela inzuzo ephansi kancane kunonyaka odlule, kodwa sigcina leli qembu liphakathi kwezinhlangano ezinenzuzo kakhulu ohlelweni lwezezimali lwaseSpain. Ngaphezu kwalokho, lo mphumela uza phakathi koshintsho lomjikelezo wangaphakathi futhi ngemuva kokusinda ngempumelelo ebhidini lokuthathwa kwempahla elaqalwa... BBVA, okwabumba ingxenye enkulu yendaba yalo mkhakha ngonyaka odlule.
Naphezu kwalokhu kwehla okuncane, inhlangano iphikelela ukuthi, uma izinto ezingavamile ezibhalwe ngo-2024 zingafakwangaInzuzo kulinganiselwa ukuthi ikhuphuke ngo-3,4% unyaka nonyaka. Ibhange lihlobanisa lokhu kusebenza ngenxa yekhwalithi yobungozi ethuthukisiwe, ukuncipha kwezindleko, kanye nebhizinisi eliqinile eSpain, lapho imali mboleko kanye nezimali ezifakwa kumakhasimende kuqhubeke nokukhula ngesivinini esihle.
Inqubomgomo yenzuzo, inzuzo kanye nesinxephezelo
Lo msebenzi uholela enzuzweni 1.775 billion, kwehle ngo-2,8% unyaka nonyakaukuthintwa yi-€109 million yemiphumela engavamile eqoshwe ngo-2024, engasaphindeki. Ngaphandle kwalomphumela oyisisekelo, umphumela ophelele ukhombisa inqubekela phambili emaphakathi, esekelwa ukukhula kwevolumu kanye nokwehla kwemibandela yengozi yesikweletu.
Ngokuphathelene nenzuzo, ibhange lihole I-RoTE (inzuzo ku-equity ebonakalayo) kufika ku-14,3%, okuqhubekela phambili ku-16% okuhlosiwe ekupheleni koHlelo Lwesu luka-2025-2027. Lokhu kuthuthuka kuza naphezu kokwehla kwesilinganiso senzalo esiphelele okubangelwa isimo senzalo ephansi, okuncishiswe kancane yizimali eziphakeme kanye nokulawulwa kwezindleko okuqinile.
Esahlukweni se-solvency, inhlangano ibeka isilinganiso se-CET1 esilayishwe ngokugcwele ku-13,65%okuhlala ku-13,11% uma ukusatshalaliswa kwemali eyengeziwe phakathi kwabanikazi bamasheya sekususiwe. Lesi simo sisho ukuthi ukukhiqizwa kwemali ephilayo yamaphuzu ayisisekelo angu-196 kulo lonke u-2025 futhi kuhunyushwa kube ukukhushulwa okukhululekile phezu kwezidingo zomthetho, ngesilinganiso semali iyonke esiseduze no-18,23% kanye ne-MDA buffer yamaphuzu ayisisekelo acishe abe ngu-400.
Isihloko esikhulu kubatshalizimali yiholo: iBhodi inikeze imvume ku-a uhlelo lokuthenga kabusha amasheya kufika ku-800 million eurosLeli phakethe, elivele ligunyazwe yiBhange Elikhulu laseYurophu, liqukethe ama-€365 million avela enzuzweni ka-2025 kanye namanye ama-€435 million avela enhlokodolobha eqoqwe ngaphezu kuka-13% CET1, futhi kulindeleke ukuthi liqale ngomhlaka-9 kuNhlolanja.
Uma lokhu kubuyiselwa kwemali kungeziwe ku- Izigidi ezingu-700 sezivele zisakazwe ku- izinzuzo zemali ngenxa ka-2025 kanye nokukhokhwa kwe Ama-euro angu-0,50 ngesabelo njengenzuzo engavamile ehlobene nokuthengiswa kwe-TSBIbhange lilinganisela ukuthi Izosabalalisa cishe ama-euro ayizigidigidi ezine kubanikazi bamasheya bayo esikhathini sezinyanga eziyi-12.Ngokwemakethe, lesi sibalo silingana cishe nembuyiselo engaba ngu-9% emalini yemakethe yamanje.
Uhlelo lwamasu kanye noshintsho lobuholi
Umholo ophezulu wabanikazi bamasheya uyingxenye ye Uhlelo Lwezamasu 2025-2027, iSabadell izibophezele ngayo ukubuyisela kubanikazi bayo ezinye ama-euro ayizigidigidi eziyi-6.450 kuleso sikhathi seminyaka emithathu, okumele cishe u-40% wenani layo emakethe. Abaphathi baphinde bagcizelela ukuthi, kusukela ngo-2026, Isabelo semali esijwayelekile ngesabelo ngasinye sizoba phezulu kune-0,20 euros ekhokhwe ngo-2024ngaphandle kwezinkokhelo ezikhethekile.
I-CEO ephumayo, UCesar Gonzalez-BuenoUgcizelele ukuthi ibhange liyaphinda ligcwalise izibopho zalo emakethe, okuvumela iziqondiso zohlelo ukuthi zihlale zinjalo. Ngamazwi akhe, iphrojekthi isekelwe ku- izisekelo zebhizinisi eziqinile kanye nethimba eligxile ekusebenzeningokugxila enzuzweni kanye nezinzuzo eziphindaphindayo nezikhangayo zabanikazi bamasheya.
Kanye nokwethulwa kwemiphumela, iBhodi isungule ngokusemthethweni ushintsho olukhulu kubaphathi abaphezulu. Ngemva kwesivumelwano sabo sokushiya, UGonzález-Bueno uzonikeza uMarc Armengol izintambo, kuze kube manje umphathi omkhulu we-TSB. Ushintsho luhlelelwe uMeyi, uma umhlangano wabanikazi bamasheya usubanjwe futhi imvume ye-ECB isitholiwe.
Ibhange liqokomisa i-CEO entsha Iphrofayili yobuchwepheshe kanye nolwazi ekuguqulweni kwedijithaliLezi zici zihambisana nesigaba esilandelayo sohlelo lweqhinga, lapho ukusetshenziswa kwedatha, ukuzenzekela, kanye nobuhlakani bokwenziwa kuzoqhakambisa khona. Ukuhamba kukaGonzález-Bueno kulandela isikhathi inkampani ngokwayo esichaza ngokuthi "esijabulisayo nesiphumelelayo," esiphawulwa ukuhlelwa kabusha kweqembu, ukuhlanzwa kwebhalansi, kanye nokuzivikela [ezinsongweni ezingachazwanga]. Ibhidi lokuthenga i-BBVA.
Emakethe yamasheya, impendulo esheshayo ibe yinzuzo: Isitoko sehle cishe ngo-4%-5% ngesikhathi seseshini yenzuzoLokhu kuza phakathi kokulungiswa okusabalele emkhakheni wamabhange aseSpain ngemuva kwezinyanga eziningana zokwanda okukhulu. Abanye abahlaziyi bathi lokhu kulungiswa kubangelwa ukuhamba kancane kwemisebenzi yezentengiselwano ekupheleni konyaka wezimali kanye nezibikezelo zika-2026 abazichaza njengezingaguquki, kanye nokuthi Imephu entsha yamanani aqondiwe amabhange aseSpain.
Inzalo ephansi, izimali kanye nokusebenza kahle
Phezulu kwesitatimende semali engenayo, iSabadell yaqopha ngo-2025 Imali engenayo yebhizinisi lasebhange (inzuzo yenzalo kanye nemali engenayo) engama-euro ayizigidigidi eziyi-6.221Lokhu kusho ukwehla ngo-2,5% uma kuqhathaniswa nonyaka odlule. Ngakho-ke ibhange libhekene nonyaka wokulungiswa ngemuva kokuphakama kwenzuzo okubangelwa ukukhuphuka okukhulu kwezilinganiso zenzalo ngo-2023 nango-2024.
El Inzuzo eyinhloko ingama-euro ayizigidigidi ezingu-4.837ngokwehla konyaka nonyaka kuka-3,7% eqenjini kanye nokungaphezulu kancane kuka-6% uma i-TSB ingafakwanga. Ngokusho kwebhange, lokhu kuncipha kungenxa yomthelela we... amazinga enzalo aphansi endaweni ye-eurozone Ukwenziwa kube ngokwejwayelekile komnikelo wephothifoliyo yesikweletu semali mboleko kanye nesikweletu sezinga eliguquguqukayo kakade sekuncishisiwe kancane ngenxa yenani eliphezulu lemali mboleko kanye nokuphathwa kwezindleko zediphozithi.
Njengoba sibhekene nalokhu kucindezela kwe-margin yangempela, ukusetshenziswa kwamakhomishini kusebenzele thina. Amakhomishini aphelele afinyelele ku-1.384 billion eurosngokunyuka okungu-2% ezingeni leqembu kanye no-3,6% ngaphandle kwenkampani engaphansi kweBrithani. Ukwanda kuchazwe kakhulu yi- imali engenayo ehlobene nokuphathwa kwempahla, izimali zokutshalwa kwezimali kanye nomshuwalense, ngekota yokugcina enamandla kakhulu ngenxa yokuguquguquka kwezimali zempumelelo zesizini.
Ukuphathwa kwezindleko kuye kwagcina isimo sokuzithiba seminyaka yamuva. Izindleko zizonke zifinyelele kuma-euro ayizigidi eziyizinkulungwane ezingu-3.100, cishe u-0,5% ngaphezu kuka-2024, okusivumela ukuthi sihlanganise isilinganiso sokusebenza kahle kweqembu siseduze no-49,3% kufaka phakathi ukukhokhelwa kwemali. Lesi sibalo sibonisa ukuthi cishe ingxenye yemali engenayo ibekelwe izindleko zokusebenza, izinga elibhekwa njengelifanelekile uma liqhathaniswa namanye amabhange aseYurophu anobukhulu obufanayo.
Uma ukugxila kunwetshwa ukuze kufakwe yonke imithombo yemali engenayo, umkhawulo ophelele wehle cishe ngo-0,8%., yafinyelela kuma-euro angaphezu kwezigidigidi eziyi-6.280, kuyilapho inzuzo ngaphambi kwentela, yakhuliswa ukwehla kwezidingo, yathuthukiswa cishe ngo-3,5%, yafinyelela cishe ku-2.600 billion.
Umfutho kwezentengiselwano kanye nokukhula kwesikweletu
Ngale kwesitatimende senzuzo nokulahlekelwa, ibhange ligcizelela ukuguquguquka kwemisebenzi yezentengiselwano, ikakhulukazi eSpainIqembu lonke livale u-2025 nge isikweletu esisele sama-euro ayizigidigidi eziyi-160.7082,4% unyaka nonyaka. Ngaphandle kwe-TSB, imali mboleko ifinyelela ku-119.615 billion, okuwukwenyuka okungu-5,4% uma kuqhathaniswa nonyaka odlule.
Emakethe yasekhaya, Iphothifoliyo yezindlu inyuke ngo-5,2%, yaya kuma-euro ayizigidigidi ezingu-39.800...esimweni esisaphawulwa amazinga enzalo aphezulu emindenini. Ibhizinisi le Isikweletu somthengi Kubonise ukuziphatha okunamandla nakakhulu, ngebhalansi engu-5.400 billion kanye nokukhula konyaka nonyaka okungu-17,8%, okubonisa isifiso esikhulu semindeni sokuxhasa ukuthengwa kanye namaphrojekthi omuntu siqu.
Ingxenye imali mboleko kanye nezikweletu ezinkampanini Iphinde yagcina indlela yayo yokukhula, yize yayishesha kakhulu: iphothifoliyo yayimi cishe kuma-euro ayizigidigidi ezingama-44.800, okuphakeme ngo-2,4% kunango-2024. Le ntuthuko isekelwa yizinkampani ezincane nezincane kanye nezinkampani ezinkulu, ngendlela ekhethiwe yokugcina ikhwalithi yengozi.
Ezindleleni zokukhokha, ibhange liqophe imali kusengaphambili ku- ukukhokhisa ikhadi okungu-6%Inani lezinkokhelo ze-elekthronikhi lifinyelele ngaphezu kwama-€26.600 billion, kanti inani elisingathwe ngabafundi bamakhadi kanye nama-terminal e-POS likhule ngo-2% phakathi nonyaka, lafinyelela cishe kuma-€58.000 billion. Lezi zibalo zikhomba ekusetshenzisweni okukhulu kwezinkokhelo ze-elekthronikhi ngabantu ngabanye kanye namabhizinisi.
I-Los Izimali zamakhasimende ezivela ku-exTSB zifinyelele kuma-euro ayizigidi ezingu-184.692 Ekupheleni kukaDisemba, ngokwenyuka okungu-6,4%. Eqenjini lilonke, izinsiza zazimi cishe ku-224.921 million, okungaphezulu ngo-4,3%, zihlukaniswe phakathi kwezimali ezifakwa kwi-balance sheet kanye nemikhiqizo yokonga kanye nokutshalwa kwezimali engaphandle kwe-balance sheet.
Amadiphozithi, imikhiqizo yokutshalwa kwezimali kanye nezimali zamakhasimende
Ngasohlangothini lwezikweletu, Izimali zamakhasimende ebhalansi yeqembu zifinyelele kuma-euro ayizigidi ezingu-172.265ngokukhula konyaka nonyaka okungu-1,6%. Umshayeli oyinhloko kube yi- ama-akhawunti amanje, afinyelela cishe ku-143.400 billion futhi kukhuphuke ngo-3,7%, okubangelwa ukuthengwa kwamakhasimende amasha kanye nokugcinwa kwezilinganiso zokusebenza zabantu ngabanye nezinkampani.
Ngokuphambene nalokho, Amadiphozithi esikhathi esinqunyiwe ehle afinyelela kuma-euro ayizigidigidi ezingama-28.476, kwehle ngo-8,3% unyaka nonyaka. Lokhu kwehla akubangelwa kakhulu yimali ephuma ebhange kodwa kungenxa yokuthi shintshela emikhiqizweni engasebenzi kahle, ikakhulukazi izimali zokutshalwa kwezimali, umshwalense wokonga kanye nezixazululo zokuphathwa kwengcebo, ezinikeza amathuba aphezulu enzuzo endaweni yamanje yesilinganiso senzalo.
Ingqikithi ye- Izimali zamakhasimende ezingaphandle kwebhalansi zifinyelele kuma-euro ayizigidi ezingama-52.656 ekupheleni konyaka, okumele ukwenyuka ngo-14% uma kuqhathaniswa no-2024. Le nhlangano iqokomisa Izimali zokutshalwa kwezimali zisebenze kahle, ngokubhalisa okuhle, kanye nokukhula komshuwalense othengiswayo kanye nokuthuthukiswa kwebhizinisi lamabhange azimele kanye nelezeluleko.
Lokhu kulungiswa kabusha kwesakhiwo sesikweletu, ngesisindo esikhulu semikhiqizo yokutshalwa kwezimali, kuhambisana nesu le- khuthaza amakhomishini aphindaphindayo futhi kuhlukaniswe imithombo yemali engenayo, kuyilapho kuthuthukiswa izindleko zezimali kanye nokugcina inzuzo endaweni yesilinganiso senzalo esingesihle kangako.
Uma sibheka phambili onyakeni wezimali wamanje, inhlangano iqinisekile ukuthi ukukhushulwa kwenani lesikweletu kanye nemikhiqizo yokonga kanye nokutshalwa kwezimali Lokhu kuzoholela ekukhuleni okukhulu kwemali engenayo uma umphumela omubi wokwehla kwezinga lenzalo ku-net interest margin usunyamalala, into, ngokusho kwebhange, okufanele ibonakale kakhulu kusukela engxenyeni yesibili ka-2026 kuya phambili.
Imibandela, ubungozi kanye nekhwalithi yebhalansi
Elinye lamaphuzu abaphathi abawagcizelela kakhulu yi- ukuthuthukisa ikhwalithi yempahla nokunciphisa izindleko zobungoziNgo-2025, imibandela yehle ngo-23,5% unyaka nonyaka, isekelwa ukwehla okukhulu kwezimpahla eziyinkinga kanye nokungena okuphansi kwemali mboleko emisha engasebenzi kahle.
El Izindleko zengozi yesikweletu zazimi kumaphuzu angu-21 ezingeni leqembu. futhi ngamaphuzu ayisisekelo angu-24 uma i-TSB ingafakiwe, izibalo ezibonisa indawo ezenzakalelayo equkethwe. izindleko zengozi iyonkeUkusabalala, okungaphezu kwesikweletu okuhlanganisa nezinye izinto ezifana nezinhlinzeko zokumangalela noma ukonakala kwezimpahla ezingezona ezezimali, kwehliswe kwaba amaphuzu angu-31 eqenjini kanye namaphuzu angu-37 ngaphandle kwe-TSB.
La Izinga lokungalaleli kweqembu lehle laya ku-2,37%.kusukela emazingeni aseduze no-2,8% ngonyaka odlule, kanye Ukumbozwa kwezimpahla ezingabazekayo (isigaba sesi-3) kanye nezinhlinzeko eziphelele kukhuphuke kwafika ku-63,8%Uma i-TSB ingafakwanga, isilinganiso semali mboleko engasebenzi kahle sicishe sibe ngu-2,65% kanti ukumbozwa kukhuphukela cishe ku-69,5%, okuqinisa isivikelo ekuwohlokeni okungenzeka esikhathini esizayo.
Ngamagama aphelele, i Izimpahla ezingasebenzi kahle (ama-NPA) zehle ngo-€877 million unyaka nonyakaKuleli nani, izigidi ezingu-725 zihambisana nezikhundla ezibekwe esigabeni sesi-3 kanye nezigidi ezingu-150 zezimpahla zezindlu eziyinkinga. Ekupheleni kukaDisemba, ama-NPA ayemi cishe ku-4.803 billion, kanye nezimpahla ezingasebenzi ezingu-4.119 billion kanye nezindlu ezithathwe cishe ezingu-684 million.
Le nhlangano ithi lokhu kuthuthuka kushintshe iphrofayili yengozi yebhange, eyayinjalo eminyakeni embalwa edlule. zizwela kakhulu ekuguqukeni komnotho omkhulu Futhi manje kukhombisa ukuvezwa okuhlukahlukene kakhulu kanye nezinga eliphezulu lokuvikela. Eqinisweni, ithimba labaphathi ngokwalo libheka ukuthuthukiswa kwezimpahla njengenye yezinto ezibalulekile zokuguqulwa kweqembu eminyakeni yamuva.
I-capital, i-solvency kanye nokukhiqizwa kwezinto eziphilayo
Endaweni yenhloko-dolobha, iSabadell igcizelela ukuthi iyaqhubeka ukukhiqiza izinsiza zayo zemvelo ngamanani aphezuluLokhu kuyivumela ukuthi ixhase ngesikhathi esisodwa ukukhula kwesikweletu futhi igcine inqubomgomo yokubuyiselwa kwabanikazi bamasheya edinga kakhulu.
La Isilinganiso se-CET1 esigcwele ngokugcwele, ngemva kokucabangela ukusatshalaliswa kwemali eyengeziwe, sihlala ku-13,11%. ekupheleni kuka-2025. Uma ilinganiswa ngaphambi kokwabiwa, ifinyelela ku-13,65%. Phakathi nonyaka, ibhange likhiqize amaphuzu ayisisekelo angu-196 emali ngokwemvelo, kanye nokwenyuka kwamaphuzu ayisisekelo angu-20 kwikota edlule.
Isethi yezilinganiso zokulawula ibeka inhlangano izinga elikhululekile lokuqina uma kuqhathaniswa nezidingo ezincane. the Isilinganiso semali iyonke sicishe sibe yi-18,23%.Lokhu kushiya umkhawulo wokuphepha (i-MDA buffer) wamaphuzu ayisisekelo angaba ngu-391, anele ukwamukela ukushaqeka okungenzeka ngaphandle kokufaka engozini ikhono lokukhokha amakhuphoni kanye nezabelo.
Lo mqamelo omkhulu yiwona kanye owenza kube nokwenzeka ukuqalisa ukuthengwa kabusha kwamasheya angama-euro ayizigidi ezingu-800 futhi simemezele ukusatshalaliswa komhlaba wonke kwama-6.450 billion esikhathini seminyaka emithathu, ngaphandle kokubeka engcupheni izinhloso zangaphakathi zokuxazulula izinkinga noma izidingo zomphathi waseYurophu.
Isikhulu esiphezulu sezezimali, USergio Palavecino, igcizelele ukuthi Ukuguquguquka kwebhizinisi kanye nebhalansi kuvumela ukuzixhasa ngezimali ukukhula yephothifoliyo yemalimboleko futhi, ngesikhathi esifanayo, igcine izinzuzo zabanikazi bamasheya ezincintisanayo. Ngokombono wakhe, inhlanganisela yenzuzo ephezulu yesikhathi esizayo, ukukhiqizwa kwemali, kanye nokulawula izindleko kubeka ibhange endaweni enhle yokufeza imigomo yalo ye-RoTE kanye ne-solvency ngaphakathi kwesikhathi esibekiwe.
I-TSB, imiphumela kanye nokuthengiswa kweSantander
Unyaka wezimali ka-2025 nawo wawungunyaka wokugcina ogcwele I-TSB ngaphakathi komngcele weqembuInkampani engaphansi kweBrithani ivale unyaka nge inzuzo yomuntu ngamunye eyizigidi ezingama-259 zamapound, okubonisa ukwanda okungu-24,7% uma kuqhathaniswa no-2024. Ngokuphathelene nomnikelo eqenjini, linikele 318 million euro, 25,6% ngaphezulu kunangonyaka odlule.
Esitatimendeni semali engenayo se-TSB, Imali engenayo yenzalo ikhule ngo-7,2% yaya ku-£1.056 billionUkukhula kuqhutshwe yibhizinisi lemali mboleko yezindlu kanye nokuphathwa kwezikweletu, kanti izimali zehle ngo-15,5% zaya cishe ku-£77 million, ngokwengxenye ngenxa yezinguquko esakhiweni semali kanye nesimo sokuncintisana okukhulu emakethe yokuthengisa yaseBrithani.
I-Los Izindleko eziphelele zenkampani engaphansi kwenkampani zehle cishe ngo-2,6%....kuya ngaphansi kwezigidi ezingama-£750, okubonisa umthelela wezinhlelo zokusebenza kahle kanye nokuguqulwa kwenqubo ibe yidijithali. Lokhu kulungiswa, kanye nokukhula kwemali engenayo yenzalo, kuchaza ukukhuphuka okukhulu kwenzuzo.
Ngasohlangothini lwenkampani, iSabadell yaqeda isivumelwano neBanco Santander Ukuthengiswa kwe-TSB ngama-£2.650 billion kusukela ngomhlaka-31 Mashi 2025. Kuleyo mali kwenezelwa ukwanda kwenani lencwadi ebonakalayo (i-TNAV) elakhiwe kusukela ngaleso sikhathiokuvele kufinyelele ku-£154 million futhi kuzongezwa entengweni yokugcina lapho ukuthengiselana sekusemthethweni, mhlawumbe kwikota yesibili ka-2026, uma sekutholakale izimvume zomthetho ezisalindile.
Ibhange lixhumanise lokhu kuthengiselana ne- ikhokhele ama-dividend angu-0,50 € ngesabelo ngasinyeLokhu, njengoba kushiwo, kuzofakwa kuphakheji iyonke engu-€4.000 billion ezokhokhwa kubanikazi bamasheya phakathi nonyaka. Kuzophawula nokuphela kwesigaba lapho ibhizinisi laseBrithani selishintshe khona ekubeni yimpahla eyingozi kakhulu yebhange laya ekubeni yimpahla enenzuzo lapho elinye ibhange elikhulu laseYurophu likhokha khona imali eningi.
Njengoba i-TSB ihamba, iSabadell izogxila emizamweni yayo imodeli igxile kakhulu eSpain futhi inobukhona obulinganiselwe bamazwe ngamazwe, ikakhulukazi ezimakethe ezifana neMexico, lapho ibhizinisi lihlala lincane khona, kanye nasemabhizinisini athile akhethekile angadingi inethiwekhi enkulu ebonakalayo.
Izinhloso kanye nezibikezelo zika-2026
Uma sibheka esikhathini esizayo esiseduze, ibhange ligcina imigqa eyinhloko ye- Uhlelo Lwezamasu 2025-2027Ngo-2026, kulindeleke ukuthi I-RoTE ephindaphindayo engu-14,5% kumjikelezo ngaphandle kwe-TSB futhi a ukukhula kwenzuzo yenzalo edlula u-1%, uma umthelela wezinga lenzalo uzinza futhi ukwanda kwenani lenzalo kuhunyushwa ngqo kwi-akhawunti yenzuzo nokulahlekelwa.
Le nhlangano ilindele futhi kusengaphambili kwekhomishini yenombolo eyodwa ephakathiisekelwa ukungena okukhulu kwemikhiqizo yokutshalwa kwezimali kanye neyomshuwalense phakathi kwesisekelo samakhasimende ayo, kanye ukwenyuka kwezindleko cishe ngo-3%, okuhlobene kakhulu nokutshalwa kwezimali kwezobuchwepheshe, amakhono akhethekile kanye namaphrojekthi okuguqulwa kwedijithali.
Ngokuphathelene nengozi, ibhange lihlela izindleko zengozi eziphelele zisukela kumaphuzu ayisisekelo angu-40Lokhu kungasho ukuthi izinga elilawulekayo lisalawuleka, yize lingaphezulu kancane kwezinga eliphansi lika-2025. Abaphathi bakholelwa ukuthi leli phuzu lokuqala liyahambisana nokugcina izinga lokungalungi eliqukethwe kanye nokumbozwa okuphezulu.
Phakathi kwezinhloso zayo zokusebenza, iSabadell ihlose ukwandisa umsebenzi wezohwebo eSpain ngaphezu kwesilinganiso semakethe Ezigabeni eziningi, qinisa isikhundla salo kwezezimali zezinkampani kanye nezabathengi, wandise ngokukhetha iphothifoliyo yemali mboleko, futhi uqhubeke nokulungisa isakhiwo sezindleko ukuze kulondolozwe ukusebenza kahle.
Le nhlangano iyaqiniseka ukuthi inhlanganisela ukukhula kwebhizinisi okungokwemvelo, ukuzithiba kwezingozi, ukusebenza kahle, kanye nokukhiqizwa kwemali ukuvumela ukufezwa komgomo we-RoTE ongu-16% ekupheleni kohlelo, ngenkathi kugcinwa imbuyiselo ephezulu neqhubekayo yabanikazi bamasheya.
Ngenzuzo engu-€1.775 billion, imbuyiselo kumasheya abonakalayo angu-14,3%, uhlelo lokuthenga kabusha amasheya angu-€800 million, kanye nokuzibophezela ekusabalaliseni ama-€6.450 billion ngo-2027, iBanco Sabadell ibhekene nesigaba esisha ngemuva kokuthathwa kanye nesigaba sangemva kwe-TSB esisekelwa yibhalansi enempilo, isisekelo sebhizinisi eSpain esithola ukuthandwa, kanye nohlelo olucacile lokwenziwa kwedijithali nokusebenza kahle, kuyilapho imakethe ihlola ukuthi isiqondiso esinikezwayo siyahambisana yini nokulindela okuphezulu okubangelwa umjikelezo okhuphukayo womkhakha wamabhange.
