"Russlavbank": ndemanga za makasitomala banki

"Russlavbank" maganizo ali nthawi zambiri zabwino, ngati chikhazikitso ndalama mbiri ya kukhalapo nthawi zonse zitakwaniritsidwa udindo wake. Iye anayamba kupereka ntchito ndalama pa mlingo katswiri mu 1990. Today batire ndi chinkhoswe osati chuma, komanso Othandizana ntchito ali ndi maukonde mwachilungamo lonse la kudzera. Makasitomala mu Russia amasangalala apamwamba utumiki ndi kuti akhale omasuka. The Bank ndi kugwira ntchito komanso kukweza ntchito yake, limatithandiza osiyanasiyana onse banki ndi zosiyanasiyana ntchito.

mbiri wopanda

"Russlavbank", ndemanga imene kukopa tcheru, ali ndi mbiri wopanda. The bungwe ndalama ali akatswiri bwino ntchito yawo amene ali wokonzeka kupereka zonse kasitomala ndi kuthandiza ndi malangizo akatswiri. Pa nkhani zonse zokhudza ngongole ndi banki misonkhano, anthu kupeza mayankho zogwira mtima. Mawu oyamikira kwa ndodo mobwerezabwereza tinamva mkamwa mwa makasitomala kukhuta. bungwe Financial adzamvetsera kwambiri chikondi. chithandizo amaperekedwa ndi m'misasa, ndi ana amasiye. magawo banki ya (92%) ndi chuma cha Abdulkerimov Abdulzhelil Makhmudovich, zomwe zili m'gulu la mndandanda wa osunga ndalama olemera pakati pa dziko. Mu 1999, "Russlavbank", ndemanga imene palinso zoipa, anayambitsa dongosolo Lumikizanani ndalama anasamutsidwa, tsopano akutenga malo a mtsogoleri mu msika Russian ndalama. Akulandira m'mayiko ena, izo analandira udindo wa chikhalidwe kwambiri. Malinga ndi lipoti atsopano pachaka, katundu kosamalira ndalama zinasonyeza kuti 34.050.642 rubles, kuchuluka kwa capitalization anali wofanana 5.212.776 rubles, ngongole mbiri anakwana 645,3 zikwi rubles, ndi buku la madipoziti - 9.736.085 rubles.

Mkulu mlingo wa

"Russlavbank", ndemanga zimachitika nthawi zambiri zabwino kuposa zoipa, ndi imodzi mwa ophunzira wamkulu mu msika zoweta ndalama. The specialization waukulu wa bungwe la - ndi kupereka kwa anthu, anthu okhala mumzindawo komanso sanali anthu, amalonda nthumwi za malonda ang'ono ndi sing'anga-kakulidwe. Activities a batire la ikuchitika malinga ndi chilolezo wamkulu wa Bank of Russia April 28, 2012. Ndi chiyambi cha 2015, dongosolo banki kale zikuphatikizapo nthambi 6 ndi maudindo 111 m'mizinda 76, ofesi wina waukulu, 45 zoweta bulanchi. Izi 34 maofesi zina, ngongole ndi ndalama 7 pakati, 4 maofesi ndalama ndi maudindo atatu ntchito.

ngongole gombe la mlingo wa "B ++". Mawu a mlingo wa 'BBB +' ndi osangalala. The mphamvu zachuma mlingo "E +" ndi mlingo wa madipoziti mu rubles ndi ndalama zakunja zizigwirizana "B3" gulu. Mapa kwa ndalama Service mayiko mlingo bungwe Moody ndi zonse zabwino. Amati boma la Bank ku Central ananena kuti gombe ndi odalirika. M'pofunikanso kuwonjezera kuti ngakhale vutoli, kosamalira ndalama osati m'mavuto tikwaniritse maudindo awo. Mu 2014-2015, pamene mabungwe azachuma asiya kulipira madipoziti ndipo anayamba kuzigwiritsa ntchito kwa refinancing kuti Bank ku Central la Chitaganya cha Russia, "Russlavbank" kasitomala ndemanga pa zomwe chifukwa chakuti ichi zabwino kwambiri, osati akupitiriza kuvomereza madipoziti, komanso nthawi zonse amalipira iwo chidwi, ndi kumapeto kwa akadzabweranso mgwirizano akuti kwa ndalama ndalama zawo. Komanso, bungwe ndalama membala wa dongosolo gawo inshuwalansi.

Makasitomala wokhutitsidwa ndi osiyanasiyana ntchito

Pa nthawi, kosamalira ndalama amapereka ogula ndalama yaikulu ntchito. Mwa maganizo zilipo monga mankhwala muyezo zoweta, komanso inalandidwa ndi mwambo padziko lonse. Kuyenera anati za kukongoza ritelo ndi kampani. Anthu akhoza kugwiritsa ntchito kwa ngongole ya rubles 600 zikwi paola kwa zaka 5. Malinga ndi makasitomala amafuna akonzedwa osachepera zikalata, ndi kukhalapo kwa guarantors sikowumiriza.

Focus Nthawi zambiri pa chiwembu kwambiri chidule cha mgwirizano. The Bank kulandira madipoziti ndiponso limapereka mwayi waukulu woyang'anira nkhani chosonyeza. Mothandizidwa ndi Contact akhoza mosadalira kudzapereka kutumiza ndalama ndi kupanga ndalama. Pakalibe maola queuing amasangalala ambiri. Open ntchito depository ndi ntchito yosiyana ndi makadi banki. Ikuchitika chitsimikizo ndi wotuluka zopelekedwa. Mwa maganizodwe zachilendo Dziwani zitupa Mapangano utumiki akatswiri pa katundu kapena inatha. Quality wa utumiki waife anthu onse zachilengedwe ndi malamulo, komanso zoweta ndi mtolankhani yachilendo mabanki, amene awerenge oposa 600. The voluminous chiwerengero cha makasitomala ndi zibwenzi osati Russia, komanso kunja zikutsimikizira zoti Yesu ndemanga yothandiza, posamutsa iwo ku malonda mu ndime ya gawo la malangizo. Zabwino ndemanga zambiri kulankhula za pulogalamu wokongola kwambiri wa refinancing ngongole.

Chidwi pulogalamu cardholders

JSCB "Russlavbank" kuti ndemanga zimachepa kugwirizana, osati amapereka makhadi, koma utumiki wawo kudya. Pa nthawi, pansi pa pulogalamu Bank a mitundu itatu ya mankhwala:

• Khadi revenues.
• Revenues khadi Golide.
• Mawu a khadi.

The wokongola kwambiri wa makasitomala ndalama bungwe ndikuganiza lipindulitsa khadi. "Russlavbank", ndemanga zimene ziri zabwino poyerekezera ndi mankhwala amapereka wapadera depositary pulogalamu kwa eni ake. Pa ndalama zotsalira munthu mu nkhaniyi, kaya chiwerengero chawo, kuchita masamu mu kuchuluka 15%. Onani mapu lophweka mu nthambi iliyonse banki. Nkhani ikuchitika tsiku lomwelo. Khadi yatenganso Chip lopereka malipiro wathunthu chitetezo. Mokondwa anasangalala ndi kukhalapo kwa ambiri luso 3D-Wabwino. ndemanga mankhwala Nice eni anamva zimene mungathe kutapa ndalama, osati Russia komanso kunja. Anthu amadabwa chakuti bungwe la ankayendetsa si ndalama si kuchotsedwa mu masitolo. Khadi eni kulankhula za Kuwonjezera okoma ndi kopindulitsa 20% kuchotsera pa pulogalamu «MasterCard okondedwa". Payokha bwanji ngongole ndi malire zongowonjezwdwa wa ku 500 000 rubles. Ŵakwenera ufulu nyengo ndi masiku 57. Gwiritsani ntchito mankhwala yabwino kwambiri. Ndalama Zimapezeka ndi ufulu pachaka ngongole utumiki.

Instant khadi mathandizidwe: Bank amadziwa nthawi imeneyo - ndi ndalama

Bank "Russlavbank", ndemanga amene kawirikawiri sapezeka ndi mthunzi zoipa, nthawi zonse wolemekezeka pa maziko a Otsutsa ake kudya ndi akatswiri nkhani utumiki. Makasitomala konse anafuulira madandaulo za kusowa mpata kutapa ndalama kuchokera ATM kapena kubwezeretsanso nkhani khadi. zonse ntchito akutsatiridwa mwamsanga, palibe kuchedwa, kuchedwa ndi n'kugwa. Anthu sanadandaulepo za kulephera kwa madongosolo chifukwa cha malipiro yaitali ndondomeko. Chifukwa chotero kasamalidwe akatswiri malonda inayamba mu 2014 precession pakati, amene mosavuta amangomvera uthunthu wonse wa mpweya ndi ntchito raschetai.

makadi utumiki wa Visa ndi MasterCard, kuphatikizapo Chip ndi yolipiriratu, ikuchitika dzuwa pazipita. Pa nthawi, pakati processing akhoza kuchita pafupifupi 50 ntchito pa mphindi. Pambuyo kulumikiza pakati processing pa mapeto a June dongosolo LFS, makasitomala ndi mwayi 28 zikwi ATMs. Malinga cardholders kugwiritsa ntchito iwo - n'kosangalatsa. Kutapa ndalama ndi kulipira mabilu tsopano akhoza kukhala m'dera lililonse la likulu. Revenues khadi "ndemanga Russlavbank 'zimenezo ndi choncho nthawi zonse zabwino, posachedwapa adzakhala otchuka kwambiri. Ichi ndi chifukwa chakuti bungwe ndalama sichitha kukambirana ndi mabanki-zibwenzi pa kusakanikirana mu kachitidwe malipiro lonse. Ntchito cholinga chake kupereka apamwamba utumiki ndi mtengo minimization.

kuchita depositors pa madipoziti chiyani?

"Russlavbank" gawo amapereka yosiyanasiyana. Mzere mankhwala ndi m'Chingelezi chosavuta kuti pazipita lapansi. Makasitomala mulibe kuthana ndi kusankha kovuta pakati pa ziwawa chidwi ndi zinthu wofatsa wa mgwirizano. Lero, bwana atatu zilipo zoti tisankhepo

• The "Golden Mill". kuchuluka gawo kungakhale kwa 15,5%. Ndalama pazipita kwa madipoziti ruble amaperekedwa. Kuyaka chidwi si anapereka.
• Pulogalamu "ubwino onse." gawo A akhoza linapereka 12,35%. Gawo ndalama akhoza kukhala national ndi yuro kapena dollars. Imakhala chidwi capitalization. Zololera tsankho kuchotsa kumwa maofesi popanda imfa ya chidwi accrued.
• Pulogalamu "Supervklad" chifukwa madipoziti mumauro kapena madola.

Bank makasitomala, potaya malonda zilipo bwana ndalama, amagwirizana ndi mfundo yakuti "Russlavbank 'madipoziti mu ndalama zakunja ndi rubles amapereka pa mawu yabwino kwambiri. Poyerekeza ndi zinthu zimene dzina yopindulitsa kwambiri ndi zimene anapereka kokha zaka zingapo zapitazo, "Russlavbank" (wapadera gawo), mumaganiza ngakhale yopindulitsa kwambiri ndi yabwino. Komabe, chizindikiro ichi ndi chofunika mu nthawi ya mavuto. Mogwirizana ndi bankirapuse ndi kukonzanso wa zimphona ngati msika zoweta monga "kanthu Financial" ndi "Finance ndi Mawu", ndalama anayamba mwachangu kutenga ndalama zawo, Kulekerera imfa chidwi. Kodi anali anadabwa, pamene banki mosayang'anira kulipira mabilu. Chidwi n'chakuti outflow ikuluikulu ya ndalama kumapeto 2014 ndi kumayambiriro kwa 2015 sanali mavuto ndi liquidity.

Kugwa mu 2014

Mu 2014 tinayamba kupita kutumikira m'dera limene posachedwa kuwasandutsa akupsya ndipo wotchuka m'dziko "Russlavbank". Achire chiphatsocho, amene anakumana ndi mabungwe ambiri a zachuma mu dziko, ndipo analibe malo kunena zambiri, mu mtsempha uyu, nkhani sanali ngakhale takambirana. Chinthu ndi kuti anali m'chaka cha 2014 Utumiki Mkati anali akufufuza "zochitika banki oletsedwa." Anafufuza osati kokha "Russlavbank", ndemanga zimene ogwira ntchito zonse akhala opanda cholakwa, komanso bungwe monga "Finprombank" ndi zina wothandizila kuyenda. Akuganiza ngati anali Alexander Mironov, yemwe anali wachiwiri wa Pulezidenti. Malinga ndi akapitawo yazamalamulo, anthu asanu ndi awiri mlandu achire oletsedwa ndalama ndi chiwombolo chawo mwa mseri makampani tsiku limodzi. deta kuyambirira amati mwezi uliwonse kudzera zapita biliyoni 2.5 rubles. Kutsiliza ndalama ofunika 3.5% ya ndalama ankachitira kupita ndi 0,3%. Kugwiritsa tcheru ku banki akweza nkhawa za ndalama. Ndipotu kunapezeka kuti "Russlavbank" (madipoziti kwa thupi. Anthu tsopano opambana kwambiri yabwino) panalibe ubale kuchita achinyengo anali. Pa gawo la kasamalidwe banki a inaperekedwa iliyonse thandizo, kuphatikizapo mapepala onse chofunika chaperekedwa. Akuzipanga kuti kosamalira chuma ndi unduna wa Mkati palibe. The vuto wosasangalala, koma si kukakamiza anthu chizindikiro pa ntchito ya ngongole ndalama bungwe makasitomala. Bank onse udakali ikugwira ntchito bwinobwino.

Lumikizanani - luso kwa makasitomala

Monga tanena "Russlavbank" ndemanga ngongole yomwe yekha zabwino, mu 1999 anapezerapo utumiki Lumikizanani. Njira imeneyi kwathandiza makasitomala ndalama bungwe kuti kutumiza ndalama pakati pa anthu. Kapangidwe zachokera ubale mtolankhani pakati pa magombe-ampangira mwambowu. Translation imagwiridwa ndi chiwembu chosavuta kuti mobwerezabwereza otchulidwa mayankho a makasitomala kukhuta. Oyamba nkhani apadera chofunika. The ogwiritsa chachikulu cha misonkhano akhala nyengo ogwira ntchito, ophunzira, expats ndi alendo amene alibe nkhani anatsegula mu Russia. Anthu amene anali kulimbana ndi Akufunika kutumiza kapena kulandira ndalama, kukhuta kwambiri ndi kachitidwe. Mwadongosolo kupita kukuza zopezera mabanki mtolankhani. Kale kuti tsiku, pulogalamu amatenda mayiko 73. Kukhudzana abwenzi maso mutuluka osachepera 900 Russian ndi mayiko mabanki. Misewu kwambiri mfundo za makasitomala, amene ali mfundo oposa 400 000 m'mayiko 160 padziko lonse, limafotokoza maganizo abwino okhudza ntchito ndi mayiko kugwiritsa ntchito zithandizozi ake. Kachitidwe anali wopambana mu gulu "ufulu Kugula ndi khalidwe la utumiki mu 2014" ndipo anapambana malo oyamba mu mpikisano "Brand № 1 mu Russia" mu nthawi kuchokera 2011 mpaka 2013.

Small woyang'anira pochita ndi dongosolo Lumikizanani

Mofanana ndi pulogalamu kompyuta, m'dongosolo Lumikizanani wa owerenga ake anali kulimbana ndi chiwerengero cha zovuta. Udabuluka yotsimikizika kungasokoneze mbiri ya "Russlavbank" banki, amene ndemanga pa ngongole ndi madipoziti nthawi zambiri zabwino. Wosuta chakukhosi chifukwa dongosolo ikulendewera mu magawo oyambirira a ntchito yake. Izo zinachitika kuti kutumiza ndalama kunapezeka kuti zinchito kwathunthu ndipo sanali kugwira ntchito pamene kufunikira. Ndi chitukuko ndi kusintha kwa zolakwa dongosolo malipiro anali inathetsedwa ndi wosakhutira anakhala zochepa. Komabe, nkhani za milandu umodzi kuti akope tcheru. Choncho, malinga ndi mmodzi wa makasitomala a banki, pamene kutumiza kulanda ku United States, iye alibe unaperekedwa kwa wolandira. Patapita nthawi yaitali ikuchedwa vuto si kuthetsedwa mu nthawi, ndipo ndalama anali kubwezedwa ku sender lapansi. Koma chinthu chidwi kwambiri n'chakuti patapita utumiki yaitali mauthenga obwezeredwa inakambidwanso kunja kwa malire nthawi. M'malo wolonjezedwa masiku asanu, kumasulira anabwerera masabata ochepa. Malinga ndi kafukufuku, 95% ya nthawi "Russlavbank" maganizo makasitomala ndi abwino, ndi kugwa izi kupatulapo kwambiri ulamuliro, osati nthawi zonse. ndemanga More zabwino za kamangidwe phokoso la anasamutsidwa, zimafunika osachepera nthawi ndi zazing'ono ngati n'kotheka.

Polongosola mwachidule: ngati banki kukhulupirira woyenera?

Polongosola mwachidule ndi kuyang'ana pa zinthu ku gawo la banki ya dziko, tikhoza kunena kuti palibe zolakwa kwambiri "Russlavbank" banki. Ndemanga (Banks. Ru) napeza mthunzi ndi chenicheni. Zikomo ndi eulogies kwambiri kuposa mkwiyo. Mungathe kukumana za mavuto opweteka ndi yomweyo uthe kasitomala thandizo. mucite chisankho akhoza anachedwa, koma zotsatira zake sizisintha. alangizi okoma ndi Ngopambana moyo ndi pafoni kuyankha mafunso onse, kuyesa kuthandiza makasitomala ndi njira zonse zilipo. Ngakhale mavuto a mabanki zoweta, zokhudzana liquidity, "Russlavbank" akupitiriza mwakhama ntchito ndi kukhala. Zopereka olipidwa, madandaulo kuchokela depositors ayi. Against maziko a imfa vuto chonse angatchedwe mwayi waukulu. Chinthu chokha chimene inu muyenera tcheru - izi spamming mu mtundu uthenga SMS. Pali chiwerengero chachikulu cha madandaulo pa nkhaniyi. Malinga ndi makasitomala banki anati, pa foni nthawi zonse kulandira zidziwitso za kukondweretsa ngongole atapemphedwa funsani ofesi ndi kukonza ngongole. Anthu kusiya zonse, kubwera ku ofesi, iye anakana. Zinthu mobwerezabwereza kwa nthawi yaitali. Zokhumba kuchotsa angapo kuchokera SMS-yamakalata si, vuto si kuthetsedwa. Bank makasitomala komanso kuchenjeza kuti muyenera powerenga pangano gulu la ngongole. Chidwi pa iwo si wopindulitsa nthawi zonse. Kukhala tcheru, inu mukhoza kupewa mavuto m'tsogolo. Ngati vuto la likuchotsedwa, mogwirizana ndi bungwe la ndalama adzapulumutsa makasitomala yekha n'kosangalatsa.