El I-Banco Santander ibeke phambili ukuzibophezela okucacile kubanikazi bamasheya bayo: inhlangano ilindele ukuthi i-dividend yemali ngesabelo ngasinye ngo-2028 inani eliphindwe kabili kunalelo elakhokhwa ngo-2025. Lo mgomo usekelwa uhlelo lwesu lwesikhathi sika-2026-2028 oluhlanganisa ukukhula kwenzuzo, isiyalo semali kanye nokulungiswa kwenhlanganisela phakathi kwezabelo kanye nokubuyiselwa kwemali.
Umhlahlandlela, owethulwe eSikhumbuzweni Sabatshalizimali eLondon, uqala ngenzuzo eqopha umlando ye- 14.101 million euro ngo-2025 kanye namaphrojekthi okudlula 20.000 million ngo-2028Ibhange lihlose ukusekela inzuzo ekhulayo nebikezelwayo. Umgomo walo ukuthi lokhu kukhuphuka kwenzuzo kungaxhomeki nje kuphela entengo yamasheya, kodwa futhi nasekuthuthukisweni kwesakhiwo semali engenayo, ukusebenza kahle, kanye nenzuzo enhlokodolobha.
Indlela iSantander ehlose ngayo ukuphinda kabili isabelo sayo ngo-2028
Esinye sezihluthulelo zohlelo Kuyinhlanganisela yenzuzo ephezulu kanye nokusatshalaliswa kwemali engenayo okugxile kakhulu emalini. I-Santander izokhokha imali kusukela ngo-2025. Isabelo semali esiphelele esingu-0,24 euro ngesabelo ngasinye, ngemuva kokugunyaza inkokhelo eyengeziwe ye I-0,125 euro Lokhu kuzongezwa ku-€0,115 ekwabiwe ku-akhawunti ngoNovemba. Lesi sibalo simelela ukwenyuka okungaphezu kuka-14% uma kuqhathaniswa ne-€0,21 ekhokhiswe ngo-2024.
Uma sibheka phambili ku-2028, ibhange lilinganisela ukuthi, uma izinhloso zohlelo lwesu zihlangatshezwa, Inzuzo yemali ngesabelo ngasinye ingaba cishe ama-euro angu-0,48-0,50Lokhu kungasho ukuthi abanikazi bamasheya bazothola okungaphezu kokuphindwe kabili kwalokho abazokuthola ngo-2025. Uma sekuhlanganisiwe, lokhu kungasho ukwaba cishe Inzuzo yemali engu-7.000 billion euros ekupheleni kwaleso sikhathi, uma kuqhathaniswa nemali ecishe ibe yizigidigidi ezingu-3.500 ekhishwa manje.
Le nhlangano igcizelela ukuthi lokhu kukhuphuka ngeke kwenzeke konke ngesikhathi esisodwa, kodwa kancane kancane eminyakeni emithathu ezayo, kusekelwa ukukhula kwe imali engenayo enezinombolo ezimbili ngesabelo ngasinyeimbuyiselo ku-equity ebonakalayo (i-RoTE) engaphezu kuka-20% kanye nesisekelo samakhasimende esizokhula kusukela ku- 180 kuya ngaphezu kwezigidi eziyi-210 e 2028.
Imakethe iyamukele le ndlela: ngemva kokwethulwa kwezinhloso, Amasheya eSantander Bafinyelele ukwanda cishe ngo-5% futhi sebezinze endaweni yase amazinga aphezulu akamuva kakhuluNgemva kokuphinda iphindwe kathathu intengo yayo eminyakeni emithathu edlule, abahlaziyi abavela ezinkampanini ezifana neGoldman Sachs, iJefferies, iBankinter, kanye neBarclays bagcizelele ukuthi ukuhlanganiswa kwenzuzo ekhulayo kanye nesabelo esikhulu kuqinisa umqondo wokutshalwa kwezimali ebhange.
Ushintsho olukhulu kwinqubomgomo yenkokhelo yabanikazi bamasheya
Iqembu ligcina umqondo wokwabela nxazonke 50% wenzuzo evamile ukuvuza umninimasheya, kodwa kushintsha kakhulu ingxube. Kuze kube manje, ukusatshalaliswa kwenziwa cishe ihlukaniswe ngokulinganayo phakathi kwezabelo zemali kanye nokuthengwa kabusha kwezabeloNgohlelo olusha, lokho kulinganisela ngokucacile amacebiso okukhokha imali ngqo.
Ngokweziqondiso ezishicilelwe, ngokusekelwe emiphumeleni ka-2027 ibhange lihlela ukunikela cishe nge-1 35% wenzuzo kwinzuzo yemali kanye no-15% wokuthenga kabusha kwesabelo. Lolu shintsho lusekelwe eqinisweni lokuthi, ngemva kokwenyuka okukhulu kwentengo yamasheya, umvuzo ngokuthenga kabusha ukhiqiza inani elincane kakhulu kunaseminyakeni edlule.
Kukhokhiswe kuze kube ngu-2025, Isamba semali engenayo yabanikazi bamasheya singama-euro ayizigidigidi eziyi-7.050, okulingana cishe no-50% wenzuzo etholakala. Kuleyo mali, cishe uhhafu ukhokhwa ngezabelo kanti enye ingxenye idluliselwa ngokuthengwa kabusha kwamasheya, okuhlanganisa ukuthengiselana okungavamile okuhlobene ne- ukuthengiswa kwe-49% yenkampani engaphansi kwePoland.
Kanye nesabelo semali esingu-0,24 euro ngesabelo ngasinye, iSantander inohlelo lokuthenga kabusha amasheya oluqhubekayo olulinganiselwa cishe ku- 5.000 million euroKuleli nani, cishe amabhiliyoni angu-1.800 abekwe ohlelweni olujwayelekile oluhlobene nemiphumela yengxenye yesibili ka-2025, kuyilapho cishe amabhiliyoni angu-3.200 ehambisana nokuthengwa kabusha okungavamile okuxhaswe ngemali eyengeziwe evela ekukhishweni kwemali ePoland.
Le nhlangano iphinde yagcizelela inhloso yayo ukubuyisa okungenani ama-euro ayizigidigidi eziyi-10.000 kubanikazi bamasheya ngokuthenga kabusha amasheya phakathi kuka-2025 no-2026, kusetshenziswa kokubili imali engenayo kanye nemali eyengeziwe ngaphezu kwesilinganiso sokukhokha esiqondiwe. Uma lo mjikelezo wokuthenga kabusha obanzi usuqediwe, ukugxila kuzoshintshela ngokusobala ku-cash dividend ephindaphindayo.
Inzuzo, inzuzo kanye nemali: izinsika ezisekela izinzuzo zesikhathi esizayo
Ukuze ibhange liqhubeke nokuthola inzuzo ephindwe kabili ngo-2028, lizibekele imigomo emikhulu yenzuzo nokusebenza kahle. Isikhungo silindele ukuthi inzuzo ephelele idlula ama-euro ayizigidigidi ezingama-20.000 ekupheleni kwaleso sikhathi, okumele ukwanda cishe ngo-42% uma kuqhathaniswa nemiphumela ka-2025, kanti inzuzo yonyaka ngesabelo ngasinye ikhula ngokusobala ngamadijithi amabili. Le ndlela ihambisana nombono wokuthi Isikhathi esingcono senzuzo siyeza emakethe
Le ntuthuko izosekelwa yi- ukukhula kwemali engenayo ephakathi kwenombolo eyodwa kanye nokwehliswa kwezindleko minyaka yonke, okufanele kuholele ekutheni isilinganiso sokusebenza kahle cishe singama-36% ngo-2028, uma kuqhathaniswa no-41,2% owaqoshwa ngo-2025. Uma lesi silinganiso siphansi, kulapho ikhono lebhange lokuguqula imali engenayo ibe yinzuzo likhula khona.
Ngesikhathi esifanayo, uSantander ufuna ukusebenza ne- Isilinganiso semali ye-CET1 siseduze ne-13% ngo-2028, ngaphakathi kobubanzi obuqondiwe buka-12%-13%. Lokhu kukwazi ukuxazulula izinkinga kubhekwa njengokwanele ngabaphathi ukwamukela ukushaqeka okungenzeka futhi, ngesikhathi esifanayo, kuvumele ukusatshalaliswa okukhulu kwemali mboleko ngezabelo kanye nokuthengwa kabusha kwamasheya, okuhlanganisa nokubuyiselwa kwanoma yikuphi ukweqisa okungaphezu komkhawulo oqondiwe.
Ngokuphathelene nenzuzo, umgomo ukuthi imbuyiselo ku-equity ebonakalayo (i-RoTE) idlula u-20% ekupheleni kohlelo, kusukela ku-16,3% ngo-2025. Ukufeza lokho kuthuthuka ngaphandle kokuthembela ezintweni ezingavamile kungenye yamaphuzu adonsela ukunaka okukhulu kubatshalizimali, abahlola ngokucophelela izibikezelo mayelana namazinga enzalo, izindleko zobungozi kanye nokuziphatha ezimakethe ezibalulekile ezifana ISpain, iBrazil, i-United Kingdom noma i-United States.
Izinkampani ezifana neJefferies noma iBarclays Baveze ukuthi ingxenye yokukhanga kohlelo isekelwe ngqo esithembisweni senzuzo ephezulu ngokwesakhiwo, engaxhomekile kakhulu ezicini ezijikelezayo kodwa isekelwe kakhulu ekusebenzeni kahle kanye nokwehlukahlukana kwezindawo.
Ukuguqulwa okukodwa, idatha kanye nobuhlakani bokwenziwa njengesivikelo senzuzo
Ukuqaliswa kohlelo Ukuguqulwa Okukodwa Lesi esinye isici esibalulekile endabeni yebhange ukuze kuqinisekiswe ikhono lalo lokugcina inzuzo ekhulayo kuze kube ngu-2028. Lesi sinyathelo sisekelwe ekusetshenzisweni kwe amapulatifomu avamile obuchwepheshe, ukwenziwa lula kwemikhiqizo nezinqubo, kanye nokuhlanganiswa okukhulu phakathi kwamabhizinisi omhlaba wonke.
Isu lihilela ukwandisa ukutshalwa kwezimali ku idatha kanye nobuhlakani bokwenziwa (AI)Lezi zinhlelo zihlanganiswe ngqo emisebenzini yezentengiselwano kanye nokuphathwa kwangaphakathi. Umgomo ukunikeza isevisi yamakhasimende eyenzelwe wena kakhulu, ukukhulisa umkhiqizo wamanethiwekhi okusabalalisa, kanye nokwenza imisebenzi yasehhovisi isebenze ngokuzenzakalela, okuholela ekongeni izindleko.
Ngokwezilinganiso zenhlangano, idatha kanye nezinhlelo ezihlobene ne-AI zingadala inani lebhizinisi elingaphezu kwezigidigidi zama-euro kuze kube ngu-2028, kuhlanganiswe kokubili ukonga kanye nemali engenayo eyengeziwe. Lokhu kukhushulwa kuzofaka cishe iphuzu elilodwa lephesenti ekuthuthukiseni isilinganiso sokusebenza kahle kweqembu, ngaleyo ndlela kusize ekukhululeni izinsiza ezizokwenza kube lula ekugcineni amandla amakhulu okukhokha izabelo.
Isu lobuchwepheshe lihlelwe ngendlela ehambisana amabhizinisi amahlanu amakhulu emhlabeni jikeleleIzitolo, i-Openbank (yabathengi neyedijithali), i-CIB (ibhange lezinkampani kanye nelokutshalwa kwezimali), i-Wealth (ukuphathwa kwengcebo kanye nomshuwalense), kanye ne-Payments. Ngayinye inikeza inzuzo ehlukile kanye nephrofayili yokukhula, kodwa konke kunesisekelo esifanayo sobuchwepheshe kanye nedatha, okuvumela izixazululo ukuthi zilinganiswe kuyo yonke indawo.
En tekutsengisaUkugxila ekuguqukeleni ekubeni yimodeli yebhange ledijithali yomhlaba wonke enamagatsha, ukwanda kokuthengiswa kwe-inthanethi, kanye nezindleko eziphansi zesevisi ngekhasimende ngalinye. I-OpenbankInhloso ukuhlanganisa ipulatifomu yabathengi kanye nekhredithi esebenza kahle futhi ephindaphindekayo ezimakethe eziningi. IPCKugxilwe kakhulu emabhizinisini asebenzisa imali encane kakhulu futhi asekelwe kakhulu kumakhomishini.
Ukuma kwamazwe ngamazwe kanye nesisindo sezimakethe zemali eqinile
Esinye isici inhlangano esibheka njengesihluthulelo sokuzinzisa isabelo-mali ukuqinisa ukuba khona kwaso ku izimakethe ezinezimali ezibhekwa njengezizinzile kakhuluNgemva kokushintsha kwezinkampani eminyakeni yamuva nje, ibhange liphinde lalungisa isakhiwo salo: lithengise u-49% wenkampani yalo engaphansi ePoland futhi lamemezela ukuthengwa kwe- I-TSB e-United Kingdom futhi of Ibhange leWebster e-United States, imisebenzi isangaphansi kwemvume yokulawula efanele.
Ngalokhu kwakhiwa kabusha, uSantander ulindele ukuthi cishe Ama-80% ephothifoliyo yayo yemalimboleko futhi cishe i 65% wenzuzo yakho ngaphambi kwentela Lezi zimali zivela eminothweni enezimali eziqinile, ikakhulukazi eYurophu naseNyakatho Melika. Lokhu kuvezwa okukhulu kwezimali ezizinzile kuhlose ukunciphisa ukuguquguquka kwemali engenayo, kanye nokwelulwa, ukubuyiselwa kwabanikazi bamasheya.
E-UK nase-US, uma i-TSB ne-Webster sezihlanganisiwe, leli qembu lilindele ukufinyelela ku- I-RoTE engu-16% kanye no-18%, ngokulandelanaLokhu kuhambisana nezinhlangano ezinenzuzo kakhulu kulezo zimakethe. Ukuhlanganisa lawa ma-franchise nemisebenzi eSpain nakwamanye amazwe aseYurophu kuhlose ukuhlanganisa isisekelo senzuzo esibanzi nesihlukahlukene.
Ngesikhathi esifanayo, ibhange libonisa ukuthi lizoqhubeka nokubeka phambili ukwabiwa kwemali ngendlela ehlelekileukugxila ezindaweni kanye namabhizinisi akwazi ukukhiqiza imbuyiselo engaphezu kwezindleko zemali. Le filosofi iphinde ifinyelele enqubweni yayo yokuthengiselana kwezinkampani, lapho ihlanganisa khona ukuthengwa kwezimpahla okunesu kanye nokwabiwa kwezimpahla ezimakethe okungahambisani nezinto eziza kuqala.
Ngokuphathelene nokuphathwa kwezinkampani, ibhodi liphakamise ukuqokwa kuka- UDeborah VieitasUsihlalo ongeyena umphathi weBanco Santander Brasil njengamanje, uqokwe njengomqondisi omusha ozimele, othatha indawo kaHomaira Akbari. Lolu shintsho luqinisa ulwazi lwamazwe ngamazwe kanye nolwazi lomkhakha wezezimali ngaphakathi kwenhlangano ephakeme kakhulu yokwenza izinqumo yeqembu, isici esithinta nokwethenjwa kohlelo kubatshalizimali bezikhungo.
Ngalesi sigaba sezinyathelo—kusukela ekushintsheni kuya ekwabelaneni ngemali okubaluleke kakhulu kuya ekugxileni ekusebenzeni kahle, ubuchwepheshe, kanye nezimakethe zemali eziqinile—uSantander uzama ukubeka izisekelo ze- inkokhelo yabanikazi bamasheya kufanele ibe phezulu futhi iqhubeke isikhathi eside ngokuhamba kwesikhathi. Uma izibikezelo zilungile, inkokhelo yemali ngo-2028 ngesabelo ngasinye ngeke nje ibe ngaphezu kokuphindwe kabili kuno-2025, kodwa izosekelwa futhi yimodeli yebhizinisi enenzuzo kakhulu, ehlukahlukene, futhi engaguquguquki kakhulu, into imakethe ezoyibuka eduze eminyakeni ezayo.