Bank "Uralsib": kudalirika mlingo mu kusanja

Banki ntchito lero amakonda pafupifupi aliyense. Koma pamaso kutembenukira kwa izi kapena kuti bungwe ndi chiyambi cha kuphunzira mosamala mlingo wa yokhulupirika. Anthu ambiri amasankha okha banki "Uralsib". Mavoti okwera, kuchititsa kukhulupirira undoubted. N'zoonadi kuti December 2016 ali pa 22 TH malo kudalirika pakati 600 mabanki ku Russia.

zambiri

Izi - bungwe malonda, omwe ndi chiwerengero cha chuma ndi 436 072 633 000 rubles. Mu November, ndi njira, phindu gulu chinawonjezeka ndi 0.43% (+ ndi 1867111 rubles Komanso), kotero kuti ananyamuka masanjidwe pa udindo 23 ku TH 22.

Kuyambira November 2015, banki mwachangu chimafikira ukhondo. Kapena, monga iwo ukutchedwa, thanzi ndalama bungwe, zomwe cholinga chake ndicho structural kusintha, kusintha osiyanasiyana ntchito ndi zina zambiri. boma ntchito pa ukhondo, "Uralsib" pafupifupi biliyoni 81 rubles. Ndipo ndondomeko uno umalamulidwa ndi Vladimir Kogan, kukhala 82% ya magawo a kampani.

Chifukwa chidaliro

Mu bungwe monga "Uralsib" banki mlingo olimba kwambiri. Ndipo iye akadali amapereka zotsatira za mabungwe mawunikidwe. Mwachitsanzo, Standard & Poors. Izi bungwe mawunikidwe pakati pamwamba magulu atatu a cholinga pa mlingo lonse. Standard & Poors wapatsa "Uralsib" ngongole mlingo wa 'B-' ndi osangalala (deta zaposachedwapa - 6/16/16). Ndiko kuti, mfundo, ndi mlingo wa pang'ono Aperewera (by mfundo lonse), lomwe lingathe kukhala apamwamba.

More wabwino ndi banki "Uralsib" mlingo mwa makampani kuti anaperekeranji chiwerengero chachikulu cha ngongole galimoto. Pamwamba 10, ali pa 9 mzere. Mu mndandanda wa mabungwe 15 kuti mwapereka chiwerengero chapamwamba zanyumba pa malo 14 ndi banki "Uralsib". Voterani kwambiri ndi m'dera la kukongoza - gulu ili pamwamba makampani 10 bwino ndalama zofunika pulogalamu kwambiri lipindulitsa pa malonda ang'onoang'ono. Koma ngakhale Chinsinsi Shopping Mphotho linapereka zotsatirazi wake anazindikira kuti imodzi yabwino mabanki payekha.

Tiyenera mwapadera ndipo kupeza kutchuka lero, dera yam'manja. "Uralsib" walowa pamwamba atatu mu munda wa banki yam'manja. Ndipo ine analandira mphoto Markswebb Udindo & Report. Kumbali ya chitetezo ndi mayiko chinafalikira pamwamba-10. Ndipo onse deta ichi - chitsimikizo mwachindunji zodalirika bungwe monga "Uralsib".

maulemu

Nawonso ayenera kunena mawu ochepa. Mukhozanso ku makampani monga "Uralsib" banki kudalirika mlingo zina mothandizidwa ndi zosonyeza Deutsche Bank AG ndi Commerzbank AG. Akutumikira kwa mkulu khalidwe kuphedwa zolembedwa malipiro mu yuro.

Komanso, "Uralsib" anazindikira 2015 bwino kasitomala mabanki m'chigawo zitsulo zamtengo wapatali msika. Iye ali wopambana wa mpikisano wa mayiko linkadziwika kuti "Best Chiopsezo Management". Mmenemo ndi kusankhidwa angapo, kutanthauza "Uralsib" anapatsira "zabwino kasamalidwe chiopsezo pulogalamu."

Komanso, bungwe nawo ntchito zachifundo. The ntchito, bungwe iye ndi ana thumba "Victoria", anakhala wa pamwamba 30 ndondomeko latsopano la Russia.

kubweza

Masiku ano, mtundu wa ngongole chotchuka kwambiri. Chifukwa nyumba ndi zofunika zonse, koma aliyense ali ndi mwayi kugula izo. Choncho, pali mndandanda, lomwe limatchula mabanki kuti kupereka zinthu zabwino ngongole kubweza chikalata kugula nyumba pa msika sekondale. December 15, 2016 panatuluka nkhani kuti "Uralsib" banki walandira mu kusanja, amene si zoipa - chinafalikira pamwamba-10.

Zikhalidwe akufuna kwabwino kwenikweni. The pulogalamu yabwino wakhala anazindikira ndi mlingo wa 13.5% ndipo amathandiza koyamba 10-30%. Ngakhale pali mfundo zina. "Zanyumba kwa bajeti" Mwachitsanzo, ndi wotsikirapo mlingo wa 10,8%. Zimakhala kuchepetsa kugwiritsa ntchito mankhwala, "Uralsib" (makadi, mwachitsanzo). Amalipiritsa ndi 20% makasitomala anadalira 40% - chifukwa otembenukira ku banki nthawi yoyamba.

Kukwezedwa ndi umafuna zosangalatsa

Monga mmene taonera, "Uralsib" banki mlingo mwa magombe ali olimba. Ndipo kotero gulu zambiri bungwe zosiyanasiyana zochitika makasitomala awo.

Mwachitsanzo, pa December wa Kutsatsa "piritsi kwaulere!" Kuchokera "Uralsib" ndi Samsung. Ngati kasitomala adzakhala apereke ngongole foni Way S7 m'mphepete S7, phale PC Way Tab A 7,0 apeza iye mphatso. Mwa njira, ngongole adzalandira kuchotsera 10%. Mlingo ndi 15,5% pa annum.

"Mtendere" maudindo ndi mphatso Amawapatsa Moscow cardholders. Kwa iwo, rink alipo kwaulere ENEA maphunziro chithunzi siketing'i ndi chokoleti otentha. Iwo akhoza kutenga nawo mbali pa chojambula matikiti kwa chochitika chochititsa chidwi kwambiri pa chaka - Chaka Chatsopano Hava chikondwerero. Amene adzamva unachitikira ku rink lapansi.

Izi ndi zitsanzo zochepa chabe. Ambiri, palibe zodabwitsa chifukwa "Uralsib" analowa pamwamba 10 wokondedwa kwambiri Russia mabanki mu 2016. Chotero mlingo, ndi njira, nayenso.

Kodi aliyense ndi ofunika podziwa?

Zinthu zambiri zosangalatsa kuuza za "Uralsib" banki. Ikani mu kusanja bwino mabungwe ndalama ku Russia ndi mkulu, komanso zimatengera malo abwino mu zina mndandanda "pamwamba". Ena ofunika mindandanda.

Mu November chaka chino Mwachitsanzo, bungwe watenga malo wachiwiri mndandanda, amene kutchulidwa mabanki opereka makhadi ndi mapulogalamu abwino lachifundo. The "Uralsib" mlingo uwu umatchedwa "zabwino Home Ana". The chiwongola dzanja pa khadi iyi ngongole ndi 28% pa annum. Terms ndi zinthu ziri motere: 0,5% ya kuchuluka kwa zoperekazo aliyense kugula ndi kunditumiza ku nkhani m'mbali mwa thumba ana, umene pali mtengo kusintha kwa moyo wa ana amasiye.

More "Uralsib" mu November wakhala m'gulu pamwamba 3 makampani kupereka zinthu zabwino ngongole kubweza ndi ang'onoang'ono boma. The mtengo 11,25% pa annum, chigawo koyamba - 20%, ngongole akuti - zaka 3-30.

Komanso, banki ali m'gulu pamwamba 10 makampani, unsecured ngongole zimene ali kwambiri kufunika kwa anthu.

A zinthu zambiri zosangalatsa mungadziwire zambiri za banki "Uralsib". Kodi malo kusanja ndi bungwe - momveka bwino. Ndipo, pa maziko a pamwamba, tinganene - izi ndi zabwino ndi odalirika banki kuti ingakhale kupatsidwa ndalama zawo. Ndipo ambiri makasitomala mwezi uliwonse - chitsimikiziro mwachindunji.