I-Banco Santander isiqedile Ukuthengwa kwenkampani engaphansi kwe-TSB yaseBrithani yiBanco Sabadell ngemali ecishe ibe yizigidigidi ezingu-3.300 zama-euroNgemva kokuqeda inqubo yokugunyazwa kwemithetho ethathe izinyanga eziningi, lokhu kuthengiselana, okwamenyezelwa okokuqala ehlobo lika-2025, sekungenye yezinyathelo ezibaluleke kakhulu zezinkampani emlandweni wamuva nje wamabhange aseSpain, kokubili ngenxa yomthelela wayo emakethe yezezimali yaseBrithani kanye nemiphumela yayo esu likaSabadell.
Kubantu baseCatalan, lo msebenzi umele ukufakwa kwemali okuphawulekayo kanye nokushintsha kokugxila ebhizinisini eSpainOkwamanje, iSantander ithatha igxathu elikhulu e-UK ngokuhlanganisa i-TSB enhlanganweni yayo engaphansi, iSantander UK. Njengengxenye yesivumelwano, iSabadell izoklomelisa abanikazi bamasheya bayo nge- i-dividend engavamile yamasenti angu-50 ngesabelo ngasinye ezokhokhwa ngoMeyi 29, inkokhelo eyayimenyezelwe njengenye yezisusa ezinkulu zokumisa isicelo sokuthathwa kwempahla esinonya esaqalwa yi-BBVA.
Imininingwane yezezimali yokuthengwa kwe-TSB
Inani lokugcina lentengiselwano yi- Ama-pound ayizigidigidi ezingu-2.863, okulingana nama-euro ayizigidigidi ezingu-3.300, njengoba zombili izinhlangano zibike kwi-National Securities Market Commission (CNMV). Kulelo nani, Amaphawundi ayizigidi ezingama-2.650 (cishe ama-euro ayizigidi ezingama-3.050) Zihambisana nentengo yokuthenga okwakuvunyelwene ngayo ekuqaleni futhi zimele cishe Inani lencwadi eliphindwe ka-1,5 kunele-TSB.
Kuleli nani kwenezelwa inani eliphathekayo elikhiqizwe yi-TSB kusukela ekumemezelweni kokuthengiselana kuze kube yilapho kuvalwa, efika ku Amaphawundi ayizigidi ezingama-213, cishe ama-euro ayizigidi ezingama-242Lokhu kulungiswa kuphakamisa izindleko ezisebenzayo zokuthenga kufinyelele kuma-pound ayizigidigidi ezingu-2.863 okukhulunywe ngazo ngenhla futhi kukhombisa ukuthuthuka kwenhlangano yaseBrithani ngesikhathi sokucubungula.
Ngokombono weBanco Sabadell, ukuthengiswa kwe-TSB kusho inzuzo yezimali zokubala imali engaphezudlwana kwama-euro ayizigidi ezingama-300, uma yonke imiphumela yokuthengiselana isifakiwe. Ngaphezu kwalokho, inhlangano ilinganisela i- ukukhiqizwa kwemali engaphezu kwamaphuzu ayisisekelo angu-400 kusilinganiso sayo se-CET1Kodwa-ke, lo mqamelo uzoncishiswa kancane ngemva kokukhokhwa kwenzuzo engavamile ethenjiswe abanikazi bamasheya bayo.
Ngesikhathi esifanayo nokudluliselwa kwebhizinisi eliyinhloko, Izimpahla eziningi kanye nezibambiso ezisasele ezikhishwe yi-TSB futhi ezibhaliswe yiSabadell zidluliselwe eSantander UKUmthamo walezi zinsimbi ufinyelela cishe ku- Amakhilogremu ayizigidi ezingama-1.217, nxazonke 1.400 million euro, futhi iqedela ububanzi bomsebenzi ngokususa inhlangano yaseCatalan ekubambeni amasheya kanye nokuxhaswa ngezimali okungaphansi kwenkampani yayo yangaphambili yaseBrithani.
Umthelela ku-Banco Sabadell: imali, inzuzo kanye noshintsho lwenkambo
Ukuqedwa kokuthengiswa kuvumela iBanco Sabadell ukuthi ifeze umsebenzi ebiwulungiselela isikhathi esithile njengengxenye ebalulekile yokuhlela kabusha kwayo isuNjengoba imali mboleko ikhululiwe ngenxa yokuncishiswa kwe-TSB, le nhlangano iqopha ukuthuthuka kwe-solvency okungaphezu kwamaphesenti angu-0,4 futhi izibeka esimweni sokuqinisa umsebenzi wayo emakethe yaseSpain, ebheka indawo yayo yemvelo yokukhula.
Nokho, ukusetshenziswa okuyinhloko kwezinsiza ezitholiwe kuzokwenza, ukuvuza umninimasheya ngenzuzo yemali engavamile engama-euro angu-0,50 ngesabelo ngasinyeLe nkokhelo, ezokwenziwa ngomhlaka- 29 ngoMeyi, kuzobandakanya izindleko ezilinganiselwe ze 2.500 million euro futhi kungaphezu kwezabelo ezivamile kanye nezinhlelo zokuthenga kabusha amasheya kanye nokunciphisa inzalo ezisetshenziswa yibhange.
Sekukonke, ngenxa yalesi sivumelwano kanye nezinye izinhlelo zokuthola isinxephezelo, ISabadell iyaqhubeka nomgomo wayo wokusabalalisa cishe ama-euro ayizigidigidi eziyi-6.450 kubanikazi bamasheya bayo esikhathini sika-2025-2027.Umklamo wenzuzo engavamile exhunywe ne-TSB empeleni, wawungenye yezinto ezasiza ekunciphiseni ibhidi lokuthenga i-BBVA, ngokunikeza isisusa esicacile kubatshalizimali sokuhlala enhloko-dolobha yenhlangano yaseCatalan.
I-CEO yeBanco Sabadell, UCesar Gonzalez-Bueno, uchaze lo msebenzi ngokuthi kukhanga wonke amaqembu futhi ngesikhathi esifanele ngokweceboLokhu kuvumela ibhange ukuthi libhekane nalesi sigaba esisha ngebhalansi eqinile kanye nobubanzi obulula, obugxile kakhulu bomsebenzi eSpain. Njengoba ibhange ligcizelele, lesi sinyathelo senza kube lula ukuthi... Gxilisa kabusha izinsiza kanye nokuphathwa emakethe yakho eyinhloko, ngenkathi igcwalisa izibopho zayo zomholo kubanikazi bamasheya.
Ngakolunye uhlangothi, UMarc Armengol, kuze kube manje oyisikhulu esiphezulu se-TSB kanye ne-CEO elandelayo yeSabadell, wagcizelela ukuthi i-TSB isibe indaba yempumelelo e-United Kingdom Lokhu kuza ngemuva kweminyaka eminingi yokusebenza kwethimba layo, futhi ukuthengiswa kweSantander kwenzeka esikhundleni samandla okusebenza. Ukuthuthuka kwebhange laseBrithani enzuzweni nasekusebenzeni kahle kube yisihluthulelo ekukhuliseni ukuthengiswa okuningi kanye nokuqinisekisa inzuzo engavamile.
Ukuvela kwe-TSB ngaphansi kwesambulela seSabadell
I-Banco Sabadell yathenga i-TSB ngo-2015 ngenxa ye- Amakhilogremu ayizigidi ezingama-1.700Lokhu kwenzeke lapho inhlangano yaseBrithani, egxile kakhulu ezikweletini zemali mboleko kanye nasebhange lokuthengisa, yayiyingxenye yenqubo yokuvuselela umkhakha e-United Kingdom ngemuva kwenkinga yezezimali. Ukuhlanganiswa kwakunezinkinga zako, ikakhulukazi ngenxa izehlakalo zokufuduka kobuchwepheshe okwabangela ukwehluleka okukhulu kokusebenza kwaze kwaholela ngisho nasezijezisweni ezivela kumlawuli waseBrithani.
Naphezu kwaleso siqalo esinzima, USabadell ukwazile ukuguqula isimo futhi waqinisa ibhizinisi le-TSBKuyo yonke iminyaka eyishumi, ibhange laseBrithani landise iphothifoliyo yemali mboleko kusukela cishe kuma-pound ayizigidigidi ezingama-26.400 kuya cishe kuma-36.300 ezigidigidi ekupheleni kuka-2025, ukukhula okubonisa ukwanda komsebenzi wayo, ikakhulukazi emalinimboleko yendlu kubantu ngabanye.
Ngokuphathelene nokusebenza kahle, i-TSB iqophe umlando intuthuko ephawulekayo esilinganisweni sayo sezindleko nomholo, okuye kwashintsha ekubeni sendaweni ezungeze Ama-80% azokwehliswa abe cishe ama-66%Lokhu kuthuthuka kuhambisane nokuthuthukiswa kobuchwepheshe okuhlelekile, ukunciphisa izindleko, kanye nokwenza ngcono inethiwekhi kanye nezinqubo zangaphakathi, ngemuva kwesiqephu sokuqala sokufuduka okuhlulekile.
Inzuzo nayo ithole ukwenyuka okukhulu: I-ROTE (inzuzo emalini ebonakalayo) ye-TSB ikhuphuke isuka cishe ku-5,3% yaya cishe ku-12,6%.Ngokwezibalo ezikhishwe yileli qembu, lokhu kungaphezu kweqiniso lokuthi, ngesikhathi sobunikazi beSabadell, inkampani engaphansi kweBrithani... ithole izinzuzo ezingaphezu kwezigidi ezingama-600 zama-euro yenkampani engumzali, enegalelo elikhulu emiphumeleni yayo ehlanganisiwe.
Kodwa-ke, isisindo se-TSB kuma-akhawunti kaSabadell naso sasifana naso: Ngo-2025, enzuzweni engaba yizigidigidi zama-euro ayi-1.857 eqembu, cishe izigidi ezingama-253 zavela enkampanini engaphansi kweBrithani.Ukuthengiswa kukhulula imali futhi kwenza kube lula ukuhlanganiswa kwezimpahla, kodwa kusho ukuyeka leyo nzuzo yesikhathi esizayo kanye nokuvezwa ngqo emakethe yokuthengisa yaseBrithani.
ISantander iqinisa ukuba khona kwayo emakethe yaseBrithani
Ukuthengwa kwe-TSB kuyingxenye ye Isu likaBanco Santander lokukhulisa izimakethe ezibalulekile njenge-United KingdomIbhange, eliholwa ngu-Ana BotÃn, selivele likhona kakhulu ezweni ngeSantander UK, kodwa ngokuhlanganiswa kwe-TSB lihlose ukwenza kanjalo. ukuqinisa isikhundla sayo njengomunye wabadlali abaphambili ebhange lokuthengisa laseBrithani.
Ngokwezilinganiso ezikhishwe yileli qembu, inhlanganisela yeSantander UK neTSB izobeka ibhange njenge umqhubi wesithathu ngobukhulu e-UK ngokwezibalo ze-akhawunti yamanje yamakhasimende azimele kanye nowesine ngokwevolumu yezindlu zemali mbolekoUma sekuhlanganisiwe, into entsha ephumayo Izokhonza amakhasimende angaba yizigidi ezingu-28, okuhlanganisa abantu ngabanye namabhizinisi. kusakazeke kulo lonke izwe, okwandisa kakhulu inani lamakhasimende eqembu esifundeni.
Ngokombono wezezimali, uSantander ulindele ukuthi lokhu kuthengiselana khiqiza imbuyiselo emalini etshaliwe engaphezu kuka-20%, isekelwa kakhulu yi- ukubambisana kwezindleko ekulindele ukuthi kubambeIbhange lilinganisela ukuthi lizokwazi ukuzuza ukonga okulingana no- 13% wesisekelo sezindleko zebhizinisi elihlanganisiwe, yini okuhumusha okungenani amakhilogremu ayizigidi ezingu-400 ngonyaka uma inqubo yokuhlanganisa isiqediwe.
Ukuze kufezwe lezi zinhloso, inhlangano yaseCantabrian icabanga ukuthi kuzodingeka ibhekane nazo. izindleko zokulungisa kabusha ezicishe zibe yizigidi ezingama-£520 phakathi kuka-2026 no-2027Lezi zinguquko zivela ekuhleleni kabusha kwezakhiwo, ukwenziwa ngcono okungenzeka kwenethiwekhi, kanye nokuhlanganiswa kwezinhlelo. Noma kunjalo, ibhange likhombisile ukuthi umthelela emalini uzoncishiswa, cishe [inani elingekho]. Amaphuzu angama-50, nokuthi lo msebenzi uyakhanga ngokusobala ngokombono wenani labanikazi bamasheya.
Umongameli waseSantander, U-Ana BotÃnWaphikisana ngaleso sikhathi ukuthi lokhu kutholwa kumele isinyathelo esisha ekuzibophezeleni kweqembu e-United Kingdom Lokhu kwenzeka ngesikhathi lapho inkampani ifuna ukuqinisa isikhundla sayo ezimakethe lapho isivele inophawu oluqinile kanye nesisekelo samakhasimende abalulekile. Kumakhasimende e-TSB, leli qembu likhombisile ukuthi lesi sinyathelo Kuzovumela ukufinyelela kunethiwekhi yomhlaba wonke yeSantander kanye namapulatifomu obuchwepheshe athuthukile., ukwandisa ukutholakala kwemikhiqizo nezinsizakalo.
Umongo womsebenzi: Ibhidi lokuthathwa kwe-BBVA kanye nesivumelwano sokungancintisani
Isivumelwano sokuthengisa se-TSB samenyezelwa ngo- Julayi 2025, phakathi nempi phakathi kwe-BBVA ne-Sabadell ngenxa yesicelo sokuthenga izimpahla esinonya esaqalwa yibhange laseBasque lenhlangano yaseCatalan. Ukuphucwa kwenkampani engaphansi kweBrithani kanye nesimemezelo se- i-macro dividend exhunywe kwizimali ezitholiwe Lokhu kwachazwa njengesu elibalulekile lokwenza isiphakamiso se-BBVA singakhangi kangako futhi kuqinise isikhundla sebhodi le-Sabadell.
Indlela yayicacile: Abanikazi bamasheya ababambe amasheya abo eSabadell bangathola inzuzo engavamile ixhaswe ngokuthengiswa kwe-TSB, kuyilapho labo ababambe iqhaza ekubhideni kokuthatha izimpahla babezoyihoxisa leyo nkokhelo. Ekugcineni, ukusebenza kwe-BBVA akuzange kufinyelele ukwamukelwa okuncane okwakudingeka futhi Isicelo sokuthenga izintambo sehlulekile ngo-Okthobaokushiya iSabadell njengenhlangano ezimele inendawo yokusebenzisa umhlahlandlela wayo.
Ngesikhathi esifanayo nokuthengiswa, izinhlangothi zivumile ukuthi isigatshana esingancintisani emakethe yokuthengisa yaseBrithaniI-Banco Sabadell izibophezele kuSantander ku- ukungancintisani e-United Kingdom izinyanga ezingama-24 ngemuva kokuvalwa kwesivumelwano, okusho ukuyeka okwesikhashana amabhizinisi amasha ukuya ebhange lokuthengisa kulelo zwe.
Nokho, lokhu kuzibophezela akusho ukuthi i-United Kingdom izohoxiswa ngokuphelele. Izogcina igatsha elisebenza kuleli lizwe ukuze lisekele izinkampani ezinebhizinisi lamazwe ngamazwe. futhi izoqhubeka nokuba khona ngokusebenzisa kwayo igatsha lebhange lezinkampani kanye nelokutshalwa kwezimali (i-CIB)Ngale ndlela, le nhlangano igcina umzila wobudlelwano namakhasimende ezinkampani kanye nawamazwe ngamazwe, kodwa ihoxa ebhizinisini lebhange lokuthengisa, manje eliwela ngaphansi kwesambulela seSantander.
Okwamanje, kwiBanco Santander, ukuthengwa kwe-TSB kunezela kweminye imisebenzi yamazwe ngamazwe eqhubekayo, njengokuthengwa okuhleliwe kwe- UWebster e-United Statesokuyinto iqembu elilindele ukuyiqeda engxenyeni yesibili yonyaka. Le misebenzi, uma ihlanganiswa, ihambisana nesu lenhlangano lokuthi qinisa izikhundla ezimakethe lapho ingafinyelela khona isilinganiso esanele ukuncintisana ngempumelelo ebhange lokuthengisa kanye nelezentengiselwano.
Ngemva kokuvalwa ngokusemthethweni kokuthengiselana nokwamukelwa kwazo zonke izimvume zokuphatha nezomthetho ezidingekayo, uSantander noSabadell bangene esigabeni esilandelayo senqubo, esiphawulwe yizinqubo ezidingekayo yi- Umthetho waseBrithani owaziwa ngokuthi "Ingxenye 7"Le ndlela ilawula ukudluliselwa okusebenzayo kwamabhizinisi asebhange e-United Kingdom, futhi inqubo, lapho iSantander izoqala ukuhlanganisa i-TSB ngaphakathi komngcele wayo, kulindeleke ukuthi ihlale phakathi izinyanga eziyisikhombisa neshumi nanye.
Njengoba umsebenzi usuqalile, imephu yamabhange aseYurophu naseBrithani ichazwe kakhudlwana. ISantander iqinisa isikhundla sayo njengenye yamaqembu amakhulu emhlabeni wonke ngokuba khona okukhulayo e-United Kingdomngenkathi ISabadell ivela njengebhange elincane kakhulu, elinemali eningi, eligxile eSpain futhi elinokuzinikela okuqinile ekukhokheni abanikazi bamasheya ngemuva kokwenza imali ngokutshalwa kwezimali, naphezu kokushaqeka kwayo kokuqala, okugcine kukhiqiza inzuzo futhi kwakha esinye seziqephu ezikhulunywa kakhulu zokuhlanganiswa kwamabhange muva nje.