"Ndiyakholelwa ukuba abo bathengisa izabelo kunye nokulinda ixesha elifanelekileyo lokukhulula izabelo ezifanayo, kunqabile ukufezekisa injongo yabo. Ngokwesiqhelo balindele ukuba ukwehla kuya kuba mkhulu kunokuba kubonakala ngathi "(c) pilling fisher
Kweli nqaku, ndifuna ukukhulula ingxelo yekota ye-4 ye-Jpmorgan Chase & CO (i-CO (i-CO (NYE: JPM), ivavanya ixabiso layo lentengiso kunye nomtsalane kutyalo-mali.
Isitokhwe se-Cash (imali) inyuke nge-15% ukusukela ngoDisemba ngo-2019, kwaye imali egcinwe kwiibhanki (iidipozithi kunye neebhanki) zinyuke nge-108%. Ke, inkampani ekupheleni kuka-2020 inesibonelelo semali esingaphezulu kwe- $ 527 yezigidigidi. Isiphumo esihle.
Ngenxa yoku, ngendlela, ityala lomnatha lenkampani yaya kwindawo engeyiyo. Oko kukuthi, ngendawo enjalo inkampani nangaliphi na ixesha banokuhlawula amatyala awo.
Kwakhona, iNkampani inyukele indawo yokugcina ilahleko kwimali mboleko, imali mboleko kunye nemali mboleko (isibonelelo sokulahleka kwemali mboleko).
Ii-asethi ngokubanzi zenkampani zenyuka nge-26%.
Kwimigca yezibophelelo (amatyala) Singabona ukukhula kweedipozithi (iidipozithi).
Inkampani iphawula ukukhula kweedipozithi zabathengi nge-37%.
Ukukhula kwemboleko-mali yexesha elifutshane (ukubolekwa kwexabiso lexesha elincinci) nge-17%.
Kodwa ityala elide (ityala lexesha elide) lonyaka inkampani incitshisiwe nge-3%.
Izenzo ezinjalo zikhokelela ekwandeni komtsalane wenkampani ngenxa yokukhula kwemali eyi-7% (i-total ye-tottal ilungisa).
Ngoku makhe sijonge ingxelo yengeniso.
Ukuba ujonge kwingxelo ephambili (isiseko sengxelo), inokubonwa ukuba ingeniso yenkampani inyuke nge-4% (ingeniso ye-Net), kunye neendleko ezisebenzayo (i-TO: i-Totf) inyuka nge-2% kuphela. Yintoni eyenze ukuba kwenzeke ukunyusa ingeniso kunye nokwandisa indawo yokugcina ilahleko (ukubonelelwa ngelahleko).
Ngendlela, kungenxa yokukhula kwezilondolozo kunye nengeniso ye-Net (ingeniso ye-NET) yehle nge-20%. (Ewe, inzuzo kwisabelo sesabelo sehlile.)
Kwangelo xesha, inkampani ayizange ivakale nayiphi na imiphumo emibi kwimisebenzi yayo yokusebenza. Ukuba uyayifumana kule ngxelo kancinane, siya kuyibona loo nto njengexabiso lencwadi ngesabelo ngasinye. Iguqulela njenge "Ixabiso lokulinganisa lokukhuthaza". Kwaye apha inkampani ichaza ukuba ixabiso lencwadi lesiqingatha esinye yi- $ 81.75.
Kunye nexabiso lokwenyani lesabelo esinye ngalo mzuzu - $ 135. Sisathetha malunga nayo nangaphezulu. Esi sisibonakaliso esibaluleke kakhulu.
Kwaye siya kujonga igqabi elilandelayo.
Iziphumo zeTepments.
Ingxelo ebaluleke kakhulu yokuqonda imisebenzi yenkampani.
Ngapha koko, ishishini lahlulwe langamacandelo ama-5:
1. Umthengi kunye nebhanki yoluntu (umthengi kunye nebhanki yoluntu). Olona nyango lusisiseko. Oku kubandakanya ukubonelela ngeenkonzo zebhanki, inkonzo yeshishini, ulawulo lweeasethi.
2. IBhanki yeNtlango neTyalo-mali (iMbadi yoTyalo kunye noTyalo-mali). Nelona mazwi liphambili. Imisebenzi ejolise ekutsaleni imali, ukusombulula imisebenzi yezemali kunye neenjongo zeshishini.
3. Ibhanki yokuthengisa (ibhanki yentengiso). Umkhombandlela mncinci, obhekisa kwi-mboleko, iimali mboleko, imali mboleko, njl njl.
4. Ulawulo lweeasethi & nolawulo lobutyebi (i-asethi & nobutyebi). Icandelo elijolise ekulawuleni ii-asethi zabathengi abazizityebi.
5. Iqela. Ngokunyaniseka, andazi ukuba ndiyiguqulela kuba sisiRashiya. Eyona nto ibalulekileyo, eli licandelo loTyalo-mali leBhanki elijolise ekufumaneni abathengi abatsha kunye nabantu abanomdla kuphuhliso lwebhanki.
Umthengi kunye nebhanki yoluntu
Eli candelo libonisa ukwehla kwengeniso kulo nyaka nge-7%. Ubukhulu becala ngenxa yokwehla kwengeniso yeKhomishini kwiDepho. Ngokuyinxalenye yabuyekezwa kukukhula kwemali mboleko. Impembelelo kokunikezelwa: ukuncipha kwenqanaba eliphambili kunye nophuhliso lwebhulukhwe.
I-Porporate & neBhanki yeBhatali
Eli candelo, ngokuchaseneyo, labonisa ukukhula ngenxa yokwanda komsebenzi wotyalo-mali, ophenjelelwa kakhulu ngamanyathelo enkxaso eUnited States.
Ibhanki yezorhwebo.
Ibonisa ukukhula, nangona ibaluleke kakhulu- nge-1%.
Ingeniso esebenzayo evela kwelona nyathelo liphambili likhule, kodwa iindleko ziye zanda.
Ulawulo lweasethi kunye nobutyebi
Icandelo likwabonisa ukukhula kwenkosi kwinkxaso evela kwi-US FRC kunye nokunyuka komsebenzi wotyalo mali.
Yintoni enokuthethwa kwiNkampani?
Ngaphandle kobhubhane, i-JPM ihlala iluncedo olukhokelayo lwe-United States, oluqhubekayo nokwakha ii-asethi. Kule meko, ithuba lokudala ugcino olukhulu lelahleko livumela ibhanki ukuba iqhube ngempumelelo kwaye iqhubeke nakwimeko yoxinzelelo kuqoqosho.
Kwaye ndifuna ukuxela malunga nale ncwadana kule ngxelo njengonokwanela imali.
Emva kowama-2014, inyathelo elinyanzelekileyo eligunyazisiweyo laziswa ngeebhanki njengemilinganiselo yokuthintela uqoqosho oluvela kwingxaki yemali.
Ngapha koko, ukwaneleshwa kwemali yipesenti yokuhlawula imali kunye nesitokhwe sebhanki (ngohlobo lwemali, iidipozithi, izabelo, njl njl) kwikomkhulu lenkampani.
Kwimeko yentlekele, imali eyongezelelweyo ithathwe kwikomkhulu lenqanaba le-1.
Ukuba sithetha amagama alula- olu luphawu lwedolophu elikhoyo leBhanki, esetyenziselwa ukukhusela iidiphozithi.
Ubuncinci imfuneko yeebhanki i-4.5%.
I-JPM Esi salathisi yi-15,5%. Yintoni, kwakhona, ithetha malunga nokuzinza okuphezulu kweBhanki.
Kwaye ngoku masithethe malunga nexabiso lentengiso yenkampani.
Okokuqala, i-avareji ephakathi yomndilili p / e - 14.5.
Sele ndichazile ngokweenkcukacha ngakumbi malunga nesi salathisi. Ngokufutshane kuya kuthi nje kuphela ukuba isalathiso senza ukuba sikwazi ukuqonda inzuzo yokwenyani yenkampani kwiminyaka yakutshanje.
Kwaye esi salathisi sinenkampani elungileyo.
Okulandelayo, khumbula, ndibhale ekuqaleni kwenqaku lokuba ixabiso lokuphathwa kwesabelo esinye soqikelelo lwebhanki yi- $ 81.75.
Oku kusibonisa ukuba ixabiso lentengiso lesisa se- $ 135 isezantsi. Nangona incinci.
I-P / B Isalathisi-1.54.
Ewe kunjalo, isalathiso l / A siphezulu - 91.75%, kodwa kwicandelo lebhanki iqhelekile.
Kodwa i-Netdebt / Isalathisi se-EBEBDA ilungile. Okwangoku, akanakwenzeka ngenxa yogcino oluphezulu lwenkampani, kodwa naphambi kobhubhane yayingu-0.86, ebonisa ukuba inkampani inokuphawula ngokukhuselekileyo nomthwalo wayo ngokukhuselekileyo.
Inzuzo
Inzuzo eyinzuzo ye-11.15%.
Esi sibonisi sihle, nangona kunjalo, kufuneka sikhumbule ukuba ixabiso lentengiso liphezulu kunexabiso lencwadi, kwaye kuya kusilela oko, njengoko kunjalo, isikhombisi siya kuthothi-malunga ne-7.35%.
Intente yokuthengiswa kwinqanaba eliphezulu - abangama-24.37%. I-pandemic yayingaphezulu kwe-30%.
Kodwa inzuzo yenzuzo yenzuzo isezantsi kakhulu. Iyonke i-6.57%. Kwisalathiso, esi sisibonakaliso esisezantsi, njengoko sibonisa ukusebenza kwenkampani malunga nemali etyalwe imali. I-6.4% incinci.
Kwinzuzo yeeasethi, andiboni inqaku lokujonga. I-Bhanki ilawula ii-asethi ze-3.3 zerillion iidola, kwaye inzuzo yee-asethi ziphantsi kakhulu, kodwa ayithethi nto.
Izahlulelo i.
Baybock
Kodwa kwangaxeshanye, inkampani ihlawula izahlulo ezilungileyo kwinani le-2.6%. Kwaye, kuthathelwa ingqalelo izikhombisi ezizinzileyo kakhulu, kusenokwenzeka ukuba ukukhula kwezindululo kuya kuqhubeka kungekudala.
Makhe ndinikhumbuze ukuba i-sunder ngenxa ye-chidemic ichithiwe iinkampani ukuba zikhulise okwethutyana izahlulelo okwethutyana kwaye zivelise intlawulelo yezabelo. Nangona kunjalo, ekupheleni kuka-2020 kuye kwavumela ukubuyela umva phantsi kwezahlulelo ezithile, kwaye inzala eyahlukileyo ilindele okufanayo.
Uhlalutyo lokuthelekisa
Ukuba uthelekisa inkampani kunye nezinye iibhanki "ezinkulu ezine" (i-Bank yaseMelika (NYE: I-CITE: C), i-NFSE: I-JPM yeyona nkampani ixabisekileyo phakathi kwabo. Ngapha koko, kungekuphela nje kwiCapitotlasia, kodwa nakubaphindwe ngabaninzi.
Kodwa kwangaxeshanye, i-JPM yayizinzile kuyo yonke i-pandemic. Ukonyusa ii-asethi kwaye kubonise ukukhula kokusebenza ukusebenza. Ukongeza, i-JPM yenye yezona zikhombisi zinengeniso.
Imveliso
Ngaphandle kwexabiso lentengiso eliphezulu, inkampani ihlala inomtsalane ukuba utyale imali.
Le yeyona bhanki inkulu ye-United States, elawula i-ASSET ngaphezulu kwe-3.3 yeedola. Unembali etyebileyo kunye nemeko ezinzileyo yezemali ezizinzileyo.
Enkosi malunga nengqwalaselo!
Funda amanqaku asekuqaleni: