IGrupo Cooperativo Cajamar ivale isemester ngenzuzo eyizigidi eziyi-177,6. (cishe izigidi ezingu-178), ngokuhambisana nalokho okulindelekile, okuqhutshwa umsebenzi wezohwebo kanye nokwenyuka kwemali engenayo yekhomishini, naphezu kwengcindezi yomkhawulo obangelwa imvelo yezinga lenzalo.
Ibhizinisi eliphethwe liyafinyelela Izigidi ezingu-108.370 kanti isamba sempahla simi ku-64.540 billion. Ibhizinisi ligcina a inzuzo (ROE) ka-8,03% kanye nokusebenza kahle okungama-50,7%, nge-a izinga lobugebengu ngu-1,78%, enye yezindawo eziphansi kakhulu phakathi kwezinhlangano ezinkulu zaseSpain.
Imiphumela kanye nenzuzo
El imajini yenzalo wahlehla a 11,9%, kumongo wokushintsha amanani. Imali engenayo yekhomishini evela emikhiqizweni nasezinsizeni ikhule ngo-9,1% kanti imali engenayo ye-dintermediation (umshwalense, izimali, izimpesheni kanye nabathengi) inyuke ngo-18,6%, okukhuphule inani lemali engenayo yekhomishini cishe cishe 11,8%.
El I-gross margin sumo Izigidi ezingu-733,2, yehle ngo-7,1% unyaka nonyaka, kuyilapho imajini yokusebenza ifinyelele ezigidini ezingama-361,7, nge isilinganiso sokusebenza kahle 50,7% sibonga ukulawula izindleko.
Ngemva kokwaba Izigidi ezingu-72,7 ekulahlekelweni ngenxa yokonakala kwempahla kanye Izigidi ezingu-56,6 ezinhlinzekweni nemiphumela, i imali engenayo ngaphambi kwezintela inyuke ngo-11,7% yafinyelela ku-232,5 million.
Umthelela we intela yasebhange (IMIC) inyuke yafinyelela ku-6,9 million. Nokho, inzuzo ehlanganisiwe yayitholakala ku Izigidi ezingu-177,6, okusekelwa ukuqina kwemali engenayo ephindelelayo. Ngaphezu kwalokho, imali engenayo yezimali nezindleko zenzalo zazimile 947,9 no 407 million, ngokulandelana, okubonisa ukujwayelekile kwentengo yokonga nekhredithi.
Umsebenzi wezohwebo nekhredithi
La utshalomali lwezikweletu ikhule ngo-7,6% yafinyelela Izigidi ezingu-40.475, elevando la isabelo semakethe ngesikweletu ku-3,1%. Ikhredithi ezinkampanini ezithuthukisiwe 14,4%, ngokugxila okukhethekile kwendwangu ekhiqizayo.
Kuxhaso lwezimali olusha lwebhizinisi, i 40,9% yabelwe umkhakha wokudla kwezolimo, 30,2% kuya izinkampani ezinkulu, 18,2% kuya Ibhizinisi elincane futhi 10,6% kuya Ama-SMEEmkhakheni wezolimo, i-Cajamar ihlanganisa i-a isabelo esingu-15,4%.
I-Los izinsiza eziphethwe ngokudayisa ikhuphuke ngo-10,6% yafinyelela cishe cishe kuyo Izigidi ezingu-60.427, esekelwa amadiphozithi ebhalansi-shidi (+7,6%) kanye nezimali ze-off-balance-sheet (+24,2%).
Okuphawulekayo yi izimali zokutshala izimali, ekhule ngama-35,7%, ngaphezu kuka-12,6% womkhakha. idiphozi rate ikhuphuke yafinyelela ku-2,9%, okukhombisa ukutholwa okuqinile.
Solvency kanye liquidity
Ukwanda kwe izinsiza ezisebenza ngekhompyutha (+8,9%) izindawo isilinganiso se-solvency esifakwe ngezigaba ngo-16,3% futhi I-CET1 ngo-14,1%, nge imali eyeqile kwezigidi ezingama-883 ngaphezu kwezidingo.
La Isilinganiso se-MREL ifinyelela ku-24,5%, ngaphezu kwezidingo ezincane. Ku-liquidity, i I-LCR ifinyelele ku-226,4%, I-NSFR ngo-149,7% kanye LTD ngo-81,5%, amazinga abonisa umcamelo oxekethile.
NgoJuni, iqembu libekwe Izigidi ezingu-500 en isikweletu esincanyelwayo esiphezulu eminyakeni eyisithupha, umsebenzi othole isidingo sezigidigidi ezi-1.600 (izikhathi ezi-3,2), imithombo ehlukahlukene kanye nokuqinisa isikhundla somgcinimafa.
Ukwengeza, i-Cajamar igcina i-a umthamo wokukhipha yamabhondi ezindlu ezibolekwayo ezigidigidi ezingu-3.833, okwandisa umkhawulo wokuqondisa ngezidingo zezimali zesikhathi esizayo.
Ikhwalithi yempahla nokuphathwa kwengozi
La tasa de morosidad sehle safinyelela ku-1,78%, phakathi kweziphansi kakhulu ohlelweni, ezine-a ukumbozwa 75,2% kanye a izindleko zobungozi okuqukethwe ngo-0,34%.
I-Los izimpahla ezidliwe Inzuzo yonke yehle ngo-28,2%, okuthuthukise umnotho isilinganiso sokuklonyeliswa kuze kufike ku-0,48% futhi ibeka i- ingqikithi yesilinganiso sempahla engasebenzi ngo-0,95%. Ukuphatha ngobuhlakani kanye neziyalo zobungozi zivuna ikhwalithi yebhalansi nemiphumela ezinzile.
Iqembu lisebenzela cishe Amakhasimende ayizigidi eziyi-3,9 ngokusebenzisa Amahhovisi namakhawunta angama-952, ngokusekelwa ngu 5.129 ochwephesheNge-semester, wengeza amahhovisi amane angomahamba nendlwana (kufika ku-12), esebenza ngaphakathi Omasipala abangama-78 yokuminyana okuphansi. Baphinde bavule amahhovisi amane amasha E-Pollença, e-Los Palacios y Villafranca, San Sebastián nase-VilagarcÃa de Arousa, ukuqinisa isevisi yomuntu siqu kanye namashaneli edijithali (uhlelo lokusebenza, ukubhanga kwedijithali kanye ne-electronic).
Ngokusho kukaStiga, uCajamar usenguye ibhizinisi elinezinga eliphezulu lesibili ekwanelisekeni kwekhasimende phakathi kwezinhlangano ezibalulekile zeSpanishi, inkomba yesisindo ukusondela kanye nesevisi esicelweni sakhe.
Ekusimameni, inkampane inikeze okungaphezu kwalokho Izigidi ezingu-520 ekuxhaseni ngezimali okuluhlaza kanye nokuqashelwa okuqinisekisiwe kwe I-Morningstar Sustainlytics y CDP. Ushicilele eyakhe Umbiko Wokusimama futhi yakhuthaza umhlahlandlela wokufaka imibandela ASG kuma-SME wokudla kwezolimo.
Isiteshi Sokuhlola i-'Las Palmerillas' sigubhe iminyaka engu-50 sasungulwa ngokuvulwa kwezakhiwo ezintsha: ilabhorethri i-biotechnology 400 m², izikhala ze I-Cajamar Innova kanye nehholo labantu abangu-160, eliqinisa ubizo lwalo ukudluliswa kolwazi emkhakheni.
Ngenzuzo ezinzile, i-solvency ekhululekile kanye nobugebengu obuqukethwe, uCajamar ubhekene nengxenye yesibili yonyaka nge isisekelo esiqinile sokuhweba, ukuba khona okukhulu ekongeni nasekutshalweni kwezimali kanye a ukugxila okucacile ekusekeleni umkhakha wamabhizinisi nezolimo.