TOT BOLSA, INVERSIONES EN BOLSA

OPERACIONES DE INVERSION EN EMPRESAS DEL IBEX 35, MERCADO CONTINUO Y CORROS. ADEMAS DE OPERACIONES PUNTUALES A NIVEL INTERNACIONAL.

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Mi opinion sobre; Banesto

martes, 8 de diciembre de 2009

No tenia intención de publicar este post, pero al final me animo a hacerlo por la enésima publicidad que me llega al correo casi todos los días.

Vamos primero, un poco por la rama de la inversión en bolsa, que es el fondo de este blog. Banesto a los precios actuales, 8,59 euros, cotiza a 8 veces sus beneficios, abona un dividendo de 6,30 % a sus accionistas y cotiza a una vez sus números en contabilidad.

La valoración rápida, excelente, no hay discusión posible con este breve resumen, pero,,, tiene mucho mas de fondo, un banco tan bueno que necesidad tiene, como lo esta haciendo, de buscar como auténticos locos; liquidez.

La campaña de publicidad para que el personal domicilien la nomina en alguna de sus sucursales son de locura, al principio. Me explico; te dicen que si te domicilias la nomina o pensión y dos recibos mas, te regalan por el moro; o un portátil, o una TV o una Wii, para flipar ? que negocio !!!

Pero si te entretienes en leer la letra pequeña, llegan las sorpresas, pero el texto integro al final.

Estas son las pequeñas cosas que no te explican a bombo y platillo, me parece que Banesto lo va a pasar muy mal, para salir de la crisis, que sus cuentas nos ocultan bastantes cosas, que puede explotar en cualquier momento, resumiendo, que pese a sus buenos números no me fió ni un pelo, mi punto de vista ? ni acercarse.


Promoción válida desde el 4 de febrero de 2008 hasta el 31 de Diciembre de

2009. Exclusivamente para nóminas o pensiones (o ingresos regulares si eres

autónomo) de importe igual o superior a 700€ netos y dos recibos principales

domiciliados por primera vez en Banesto, encargándose el Banco del cambio de

domiciliación de los mismos, y tener contratadas o solicitar la tarjeta 4B y las

tarjetas de crédito Diez en Una y Match Point sujetas a la previa autorización de

riesgos del Banco.


La domiciliación se debe realizar en una Cuenta Tarifa Plana Banesto siendo el

cliente primer titular y mantenerse al menos 30 meses. Gastos de manipulado y

envío 98€ por cuenta del cliente. Promoción no acumulable a otras

promociones vigentes. Infórmate de las condiciones completas en cualquier

oficina Banesto.





83 comentarios:

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    Hola Tino!!
    Banesto nunca me gusto y mas desde que me hicieron alguna jugarreta. Es muy dificil trabajar con ellos y no facilitan al usuario el dia a dia.
    S2!!

    14 de diciembre de 2009, 3:24  

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    Hola grajan !!

    A mi nunca me a gustado, no puedo decir que haya trabajado con ellos, por que no es asi, pero historietas hay para hacer un libro,,,

    ademas me suena muy mal como empresa para el l/p

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