I-CaixaBank ivale ingxenye yokuqala yonyaka ngenzuzo ehlanzekile engu-€3.203 billion, okuwukukhuphuka okungu-8,5% uma kuqhathaniswa nesikhathi esifanayo ngonyaka odlule. Ibhange lifinyelele lezi zibalo ngenxa yomsebenzi oqinile wezentengiselwano , ngokukhula okuqhubekayo kwemali mboleko kanye namadiphozithi amakhasimende.
Leli bhange, elisebenzela amakhasimende ayizigidi ezingu-20,9 eSpain nasePortugal, libhalise amakhasimende amasha angaphezu kwezigidi ezingu-1,1 eSpain ezinyangeni eziyishumi nambili ezedlule. Ngaphezu kwalokho, inani labantu abafake imali ngqo yomholo wabo likhuphuke ngo-210.000 , lafinyelela ezigidini ezingu-6,4, okubonisa ukwethembeka kwamakhasimende okuthuthukisiwe kanye nokuthengwa kwamakhasimende amasha.
Ukukhula kwesikweletu kanye nezinsizakusebenza
Iphothifoliyo yemali mboleko esebenzayo ivaliwe ngoJuni ku-€398.835 billion, okuphakeme ngo-8,2% kunonyaka odlule. Ukubolekwa kwebhizinisi kwakuyimbangela eyinhloko, ngokunyuka ngo-10,6% , kulandelwe yisikweletu sabathengi, esikhule ngo-11,5%, kanye nokubolekwa kwezindlu, ngokunyuka ngo-6,7%.
Ngasohlangothini lokonga, amadiphozithi amakhasimende afinyelele ku-€771.943 billion, okuwukwenyuka okungu-7,6% unyaka nonyaka. Izimpahla eziphethwe zikhule ngo-14,9% zaya ku-€216.741 billion, eziqhutshwa yizimali zokutshalwa kwezimali kanye nezinhlelo zempesheni.
Ipulatifomu yedijithali i-imagin ivale ingxenye yokuqala yonyaka ngamakhasimende ayizigidi ezingu-4,2 kanye nokushintshana kwemali okucishe kube yi-€24.000 billion, okungaphezu ngo-20% kunonyaka odlule. I-imagin izibonakalise njengomshayeli oyinhloko wokuthola amakhasimende amasha , okubalwa cishe ingxenye yabo bonke ababhalisi abasha eSpain.
Ukuguquka kwemali engenayo kanye nenzuzo
Imali engenayo yenzalo ehlanganisiwe ikhuphuke ngo-2% yaya ku-€5.390 billion, iqhutshwa ukukhula kwenani lebhizinisi. Imali engenayo yesevisi ikhuphuke ngo-7,4% yaya ku-€2.772 billion, kanye nenzuzo ephawulekayo ekuphathweni kwengcebo (+12,1%) kanye nomshwalense wokuvikela (+14,5%), kanti izimali zasebhange zehle ngo-1,1% ngenxa yezinhlelo zokwethembeka.
Inzuzo iyonke ifinyelele ku-€8.338 billion, ikhuphuke ngo-3,7%, kanti inzuzo yokusebenza ifinyelele ku-€5.018 billion, okuwukukhuphuka ngo-3,2%. Isilinganiso sokusebenza kahle sikhuphuke saya ku-39,6% , esinye sezinga eliphansi kakhulu kulo mkhakha, naphezu kwezindleko zokuphatha kanye nokwehla kwenani ezikhule ngo-4,5% zaya ku-€3.320 billion, ngenxa yesivumelwano sokuxoxisana ngokubambisana kanye nokwengezwa kochwepheshe bezobuchwepheshe.
Amandla ezezimali kanye nomholo wabanikazi bamasheya
Ibhange ligcina isikhundla semali esiqinile, ngesilinganiso se-CET1 esingaba ngu-12,5%. Isilinganiso semali mboleko engasebenzi kahle sehle ngaphansi kuka-1,8% , safinyelela ku-1,78%, ngesilinganiso sokumbozwa esingu-81% kanye nezindleko ezizinzile zobungozi ezingu-0,24%.
Ngokuphathelene nomholo wabanikazi bamasheya, ibhodi labaqondisi lihlela ukuvuma ngo-Okthoba i-dividend yesikhashana ephakathi kuka-€961 million no-€1.281 billion, ekhokhiswa imiphumela ka-2026, ezokhokhwa ngoNovemba. Inqubomgomo ye-dividend ihlala iphakathi kuka-50% no-60% wenzuzo yonke , kanti cishe ingxenye yaleyo dividend iya kwi-"la Caixa" Foundation kanye ne-FROB (Fund for Orderly Bank Restructuring).
Ngale miphumela, iCaixaBank iqinisa isikhundla sayo njengenye yamabhange ahamba phambili eSpain, ngokukhula okulinganiselayo phakathi kwemali mboleko kanye nediphozithi, imbuyiselo engu-18%, kanye nokuthuthuka okuqhubekayo kwekhwalithi yesikweletu. Ibhange libonise ikhono lalo lokukhiqiza inzuzo endaweni yesilinganiso senzalo esingesihle kangako , ngenxa yomsebenzi oqinile wezohwebo kanye nemithombo yemali engenayo eyahlukahlukene.
