Bank "iMigangatho yeSizwe yaseMzantsi": isikali kunye nohlolo

Bank "iMigangatho yeSizwe yaseMzantsi" yasekwa ngo-2002. Umnini yeziko mali inkampani "yezihlunu Investments Limited", esebenza eSipro. Intloko izixhobo yolawulo owenza Maksim Zubov. Xa iyonke, ibhanki wakhonza kubaxhasi hayi ngaphantsi kwe-60 amawaka. abantu Private ziyafumaneka iidiphozithi mboleko, amakhadi ebhanki kunye isefu, lwemali kunye exchange imisebenzi. Bank "iMigangatho yeSizwe yaseMzantsi" eMoscow-ofisi 9. Ukumelwa ukusebenza Stary Oskol, Belgorod kunye Gubkin, Voronezh kunye Novorossiysk ngempumelelo. womnatha ATM kuquka izixhobo malunga nowama-59.

A incinane

kwiziko lemali Chief izinze eMoscow. Ltd. usebenza phantsi mvume jikelele phantsi inombolo 3421, elikhuphe-Oktobha 28, 2013 ngokunxulumene nokwandiswa kwemisebenzi yeziko. iziko Financial na newonga nxaxheba ngokupheleleyo kwi Fund Insurance idipozithi, esebenza njengelungu le-National Association Securities Market, uthathe inxaxheba kule USWIFT yentlawulo kunye neenkqubo REUTERS. Ngaphezu koko, ibhanki bobabo kudidi amalungu kumhlobo inkqubo Visa International kunye bakuzibalela MasterCard amaqela ezingamalungu.

Iinjongo ezicwangciswe ngobuchule kunye ukuphunyezwa

Injongo esiliqili ukuba ibe elikhulu-isikali kwiziko federal zemali, eza vula ukuhlangabezana nazo zonke nemigangatho yamazwe ngamazwe. Ephambili ihlala icace isakhiwo ubunini kunye nesiseko ebanzi sabathengi. Ngokusekelwe iinjongo zesi sicwangciso wasekwa, njengoko apho ngo-2007 ebhankini "Standard weSizwe" uthenga 97,26% yezabelo of JSC CB "RusYugbank", eyiyeyona inkulu kule ngingqi kwaye womnatha eyandisiweyo kakhulu zee-ofisi kunye nee-ofisi ancedisayo. Oku umfutho kuphuhliso esebenzayo kule nkampani.

ngqangi

imisebenzi ephambili - eli ukuphuhlisa ubuqabane aphakathi ezinkulu lweeklayenti ezikushishino, inkonzo inxalenye afumileyo yabemi. Phakathi iinkonzo thaca nofumaniso zakudala kunye notyalo-mali. Bank "iMigangatho yeSizwe yaseMzantsi" ngokusondeleyo ancedisane OJSC "SME Bank" kwi lokubolekisa kunye nesiqinisekiso inkxaso kumashishini amancinane kunye namashishini naphakathi. Ukuthatha inxaxheba kwiprogram ka OJSC "Arhente of imali yezindlu", iziko elinikezela mboleko ukwenzela ukwakhiwa okanye ekuthengeni ugqibile lwezindlu. Zonke iinzame ibhanki leyo zijoliswe ekuhlangabezeni iimfuno zabo bonke abathengi. Umsebenzi isekelwe enomkhondo nokuthembeka, phezu uxanduva kunye nemigangatho ephezulu inkcubeko yequmrhu. indlela ngamnye kumxhasi ngamnye kunegalelo imbono jikelele ubambiswano kunye kwiziko zemali.

Indawo kwezi zixeliweyo CBR

Ngo April 2015 ii-asethi net amaziko zemali yaba 64,152,935 amawaka engange. Ngokutsho kwesi salathisi, ibhanki wafumana indawo 88th phakathi kumaziko Russian, apho kukho 778. Ingeniso iyonke le zeziko namhlanje, ngelishwa, ilingana ukuya -175 055 lamawaka engange, leyo waphoswa elunxwemeni 756 indawo eRashiya. I-credit Iphothifoliyo kumaziko engange 28.780.700, okuhambelana kwindawo eyi-99 phakathi iibhanki zeli lizwe. Imali yesibambiso yi 8.068.652 lamawaka 159 uhambelana ndawo. Credit yokukala udidi ekwafanekisa A + i sublayer rating wesithathu osezantsi (III).

Ipredikshini ngokungqinelana nale ndlela anikwe ziphononongwa njenge "isitali". Iingcali zithi kwixesha elifutshane amathuba ephezulu yokusebenza ngaseludinini kwizibophelelo zayo zemali, hayi nje kuphela ngoku, kodwa ezo esinokubakho umsebenzi ziko. Ukuba sithethe ngayo kwixesha eliphakathi, kwaye apha ukuzaliseka izibophelelo kuya kuba amathuba eliphezulu ukwenzela uzinzo izikhombisi zoqoqosho kunye nemarike.

Beka endaweni nokurhafiswa arhente ngamazwe Standard & Poor kaThixo

Bank "iMigangatho yeSizwe yaseMzantsi" yi kwamanqaku ngamazwe Standard & Poor elijongene sele ifumene elifutshane otyalayo rating of 'B / B'. isikali National kwiziko lemali umlinganiselo elivumelana ixabiso "ruBBB +". La manani zibonisa amathuba ngemizekelo negative ezinye izenzakalo. Ukulinganiswa ukuthatha ingqalelo imeko ishishini ngcathu, ngomlinganiselo eyinkunzi kunye neengeniso, indawo lomngcipheko buthathaka amatyala eliphezulu mali. Imbonakalo ezigxekayo isekelwe kuphela kwiziphawuli zebhanki net, kodwa kurhulumente kwisigaba zemali eRussia abe ifuthe elithile kwiziko zemali. Yiyo lo mzuzu kwaye wenze umahluko omkhulu phakathi kweenjongo uvavanyo ziingcali zasekhaya nezamazwe ngamazwe.

Yintoni abathengi bathi?

Bank Commercial "Standard weSizwe" xa nisaqala imisebenzi yayo kusingathwa kuphela iinkampani inkonzo Usmanov. Ukususela ngo-2004 , i-mali iziko waqalisa ukuba bathathe inxaxheba ngokukhutheleyo umba iibhondi zikamasipala. Isalathi ebalulekileyo kuphuhliso esebenzayo yeziko mali yaba yokuthenga 'RusYugbanka "zabo, okhankanywe ngasentla. reviews Uninzi yeziko mali ithetha izinto ezininzi ezintle yentsebenziswano, kuquka kwinkalo ezibolekisa. Ukuba iye yanika kulinganiswa yesizwe. abathengi Ibhanki abethelela ukuba iziko zemali inika ithuba intlawulo yokuqala ityala kwisithuba seenyanga ezintandathu emva kokuba igqityiwe. Uthelelwano obu inkalo ngetyala athethe abatyali ezininzi ngakumbi, engqina iimeko elilelona ubambiswano kunye namazinga enzala eyamkelekileyo.

Kwaye nkqu iinkonzo labarhwebi ezikhoyo

Bank "iMigangatho yeSizwe yaseMzantsi" (Stary Oskol, eMoscow kunye nezinye izixeko apho ofisi zivuleleke) unika iinkonzo labarhwebi hayi kuphela istock exchange, kodwa kwakhona kwi kwimarike iOTC. Abathengi uyokwenza ngaye intsebenziswano kunye lebhanki ukwenza nokuthengwa iibhondi zikamasipala kunye corporate, Eurobonds lobunganga kunye lwembumba imixokelelwane lwemali zasekhaya. Intsebenziswano iyafumaneka kwizicwangciso ezimbini yerhafu, leyo emkholisayo abatyali, njengoko ivumela ukuba ukunciphisa iindleko ukuhlawulela izinto zolamlo. Kwenye Izicwangciso Commission 30 yewaka nasiphi na isixa imisebenzi kunye nabakhubazekileyo - kuyahluka 0,01% ukuya 0.2% kwaye kuxhomekeke kuphela kwisixa ingeniso.

Izimvo zabasebenzi yeziko mali

Bank "iMigangatho yeSizwe yaseMzantsi" (Novorossiysk, eMoscow, Oskol kunye nakwezinye izixeko, apho kukho ofisi) iyasebenza. Le abasebenzi rhoqo bafunwe abasebenzi abaneziqinisekiso kakhulu. Ngokutsho izicelo lo msebenzi, imivuzo kwi amaziko zemali ukunika umyalelo sezingeni eliphezulu kwe-avareji ngenxa emarikeni. Ngaphandle umsebenzi ebhankini akanyanzelekanga ukuba uhlale, ubomi bandile, oko rhoqo isonjululwe iinjongo ezininzi zemali. specialist ngalinye umsebenzi wakhe. Kukho izimvo yeqela friendly kakhulu nentlonipho phezu inxalenye ngabasemagunyeni. Bank "Standard weSizwe", nto leyo kwakhona abasebenzi zisoloko weva ngendlela eyakhayo, ezama ukugcina kwinqanaba eliphezulu, kokubini ukujongana nabathengi, kwaye ngokubhekiselele kubasebenzi. Lo mfanekiso jikelele likwancedisa umsebenzi esemthethweni kunye iphakheji epheleleyo yoluntu, nto leyo iyafumaneka kubasebenzi.

iinkqubo imali ubenomtsalane abathengi

Njengenxalenye yeziko mali ekhoyo uluhlu enomtsalane lweenkqubo imali. Ngokutsho kubathengi, ungakhetha ngokulula kwifomathi kakhulu elula intsebenziswano. Ngoko ke, njengenxenye yesigwebo "Pension Standard" kwiidipozithi engange ziya kufakwa ngomlinganiselo we-14%. Imali ubuncinane idiphozithi ilingana ezingamashumi amathathu amawaka engange, yaye ngalo lonke ixesha bambiswano luza kuba iintsuku 181. Ngokutsho inkqubo dollar kunye evroschetov enikiweyo ngereyithi eyi-5% yaye 4,75% nge wediposithi leeyunithi 1,000. ixesha intsebenziswano ziintsuku 271. Bank "Standard weSizwe", ogama isikali ngokubalulekileyo Uqikelelo ezahlukeneyo ziingcali zasekhaya nezamazwe ngamazwe, inikeza kule program "Savings esemgangathweni". Apha izinga lenzala kwiidipozithi engange iya kuba-13%, xa dollar - 4.25%, xa evroschetam - 4.25%. Ixesha yentsebenziswano iyafana naleyo kwinkqubo yangaphambili.

Kutsala abathengi kunye nento yokuba, ngokuxhomekeke ngefomathi yentsebenziswano, kunokwenzeka ukuba axhamle iinkonzo ezifana nentlawulo zenyanga umdla, zophuculo iintlawulo, ithuba wemvula okanye imali yokurhoxa ngokuyinxenye akhawunti. Partnership bhetyebhetye ivumela wonke umntu ukuba ukhethe indlela elula format lokugcina. Bank "Standard weSizwe", apho review zakhayo namhlanje rhoqo uzalisekisa izibophelelo zalo. Kwaye ngendlela ekhoyo emangalisayo kakhulu umhla imeko yezoqoqosho kwaye nangona izinga ezingalunganga ukubuya. Ukungabikho iingxaki yinto yokuba akukho ukubuyekeza kwabagcinisi iingxelo ukuba iziko yezimali ukuhlawula amatyala.