Bank "National Standard": mlingo ndi ndemanga

National Standard Bank inakhazikitsidwa mu 2002. Mwini mwini chuma ndi Axial Investments Limited, kampani yomwe ikugwira ntchito ku Cyprus. Mutu wa zipangizo zoyang'anira ndi Maxim Zubov. Pafupifupi, banki imatumizira makasitomala osachepera 60,000. Anthu ali ndi mwayi wogulitsa ndi ngongole, makadi a banki ndi safes, kusinthanitsa kwachinyengo ndi kusinthanitsa. Banki ya "National Standard" ku Moscow ili ndi maudindo 9. Maofesi oimira maofesiwa amagwira bwino ntchito ku Oskol, Belgorod ndi Gubkin, ku Voronezh ndi Novorossiysk. Mitundu ya ATM ili ndi zipangizo 59.

Zakale za mbiriyakale

Ofesi yaikulu ya bungwe la zachuma ikupezeka ku Moscow. LLC ikugwira ntchito pansi pa General License pansi pa chiwerengero cha 3421, chomwe chinaperekedwa pa Oktoba 28, 2013 chifukwa cha kukula kwa malowa. The Financial Institute ili ndi udindo wa membala wothandizira inshuwalansi, yomwe imakhala membala wa National Stock Association, ikugwira nawo ntchito za malipiro a SWIFT ndi REUTERS. Kuwonjezera apo, bankiyo ndi ya gulu la oyanjana nawo ku Visa International komanso ku malo omwe ali othandizira a MasterCard.

Zolinga zamakono ndi kukhazikitsa kwawo

Cholinga chachikulu ndicho kupanga bungwe lalikulu la zachuma lomwe liri lotseguka ndipo limagwirizana ndi maiko onse. Choyambirira ndi mawonekedwe a umwini woonekera komanso makampani ambiri. Pogwiritsa ntchito cholinga, njirayi inakhazikitsidwa malinga ndi zomwe kale mu 2007 National Standard Bank imagula 97.26% ya magawo a OJSC CB "RusYugbank", yomwe ndi yaikulu kwambiri m'derali ndipo ili ndi maofesi ambiri ndi maofesi othandizira. Izi zinapangitsa kuti ntchitoyi ikhale yogwira ntchito.

Munda wapadera wa ntchito

Cholinga choyambirira cha ntchito ya Institute ndi chitukuko cholimbikitsana cha mgwirizano ndi makasitomala apakati ndi akuluakulu ogulitsa, kuthandiza anthu olemera. Zina mwazinthu zimaperekedwa zonse zopereka komanso zopereka. "National Standard" Bank imagwirizanitsa kwambiri ndi OJSC "SME Bank" mu gawo la kulengeza ndi kutsimikizira chithandizo cha bizinesi zazing'ono ndi zapakatikati. Pochita nawo pulojekitiyi kuchokera ku JSC "Agency for Housing Financing", bungwe limapereka ngongole za kumanga kapena kugula nyumba zomaliza. Khama lonse la banki likufuna kukwaniritsa zosowa za makasitomala onse. Ntchitoyi ikuchokera pazochita zamakhalidwe ndi kudalirika, pa udindo komanso pa chikhalidwe chapamwamba. Kufikira munthu aliyense kasitomala kumapangitsa kuti maganizo onse a mgwirizano ndi bungwe la zachuma.

Ikani mu kuwerengera kwa CBR

Kuyambira mwezi wa April 2015, chuma cha ndalama cha bungwe la zachuma chinali $ 64,152,935,000. Malingana ndi chiwonetsero ichi, banki inapeza malo 88 pakati pa maboma a Russia, nambala 778. Ndalama zopindula ndi bungwe lero, mwatsoka, ndizofanana ndi -175,055,000 rubles, zomwe zinaponya banki 756 ku Russia. Ndalama zothandizira ngongole ndi mabomba 28,780,700, omwe amafanana ndi malo 99 m'mabanki a dzikoli. Mtengo wa ndalamazo ndi ma ruble 8 068 652 zikwi ndi zofanana ndi malo 159. Chiwerengero cha ngongole chikugwirizana ndi gawo A + ndi gawo lachitatu lachidule la chiwerengero (III).

Malingaliro molingana ndi chiwerengerocho amawonedwa ngati "okhazikika". Akatswiri mu kanthawi kochepa amasonyeza kuti banki ikukwaniritsa udindo wawo wachuma, osati panopa, komanso zomwe zingachitike ngati bungweli likupitirira. Ngati tikulankhula za malire, ndiye kuti kukwaniritsidwa kwa maudindo kudzakhala ndi mwayi wokhala ndi chikhazikitso cha zizindikiro zonse za macroeconomic ndi zamsika.

Malo omwe ali muyeso ya bungwe lapadziko lonse la Standard & Poor's

Bungwe la "National Standard" malingana ndi bungwe la mayiko onse a Standard & Poor's analandira chiwerengero cha "E / O" chokhazikitsidwa panthaŵi yayake. Malingana ndi chiwerengero cha dziko lonse, chiwerengero cha bungwe la zachuma chikufanana ndi mtengo wa "ruBBB +". Zizindikiro izi zikuwonetsa zochitika zolakwika kuti pakhale chitukuko cha zochitika. Kuyesa kwa banki kukumbukira malo osamalidwa a bizinesi, ndalama zamtengo wapatali ndi ndalama, kufooketsa malo pazowopsa komanso kuwononga ndalama zachuma. Maganizo olakwikawa sagwiritsidwa ntchito pa zizindikiro zokhudzana ndi mabanki, komabe ndi mkhalidwe wa zachuma ku Russia, zomwe zingakhale ndi ndalama zina pa bungwe. Iyo inali nthawi yomwe inachititsa kusiyana kwakukulu pakati pa kafukufuku wa akatswiri apakhomo ndi mayiko ena.

Kodi makasitomala akunena chiyani?

Banki yamalonda "National Standard" mu magawo oyambirira a ntchito yake inagwiritsidwa ntchito potumikira makampani a Usmanov. Kuchokera mu 2004 , bungwe la zachuma lidayamba kutenga nawo mbali pazokambirana za boma. Chizindikiro chofunikira cha kukula kwachitukuko cha bungwe la zachuma chinali kugula "RusYugbank", yomwe yatchulidwa pamwambapa. Zambiri za ndemanga za bungwe la zachuma zimatiuza za zabwino zambiri za mgwirizano, kuphatikizapo pa ngongole. Izi ndi zomwe zatsimikiziridwa kuti anthu akuyamikira. Ambiri a banki amatsindika kuti bungwe la zachuma limapereka mpata wobwezera ngongoleyo pamapeto pa miyezi isanu ndi umodzi itatha. Pa mgwirizano wopindulitsa pothandizira ngongole, ochuluka amalonda amayankha, kutsimikizira kuti ali ndi mgwirizano wotani wa chiyanjano ndi chiwongoladzanja cha chiwongoladzanja.

Ndipo ngakhale misonkhano yogulitsa ngongole imapezeka

Nyuzipepala ya National Standard Bank (Stary Oskol, Moscow ndi mizinda ina yomwe maofesi amagwira ntchito) imapereka ntchito zogulitsa ndalama osati pamsika wogulitsa, komanso pamsika wogulitsa. Otsatsa angathe, kudzera mu mgwirizano ndi mabanki, kugula ma komiti ndi makampani, mabungwe a Eurobonds ndi mabungwe ogulitsa ngongole. Kugwirizanitsa kulipo pa mapulani awiri a msonkho, omwe amakondweretsa amalonda, chifukwa amawalola kuti achepetse mtengo wa kulipira. Pa imodzi mwa ndondomekoyi, komitiyi ili ndi rubles 30,000 za ntchito iliyonse, ndipo mwa njira ina imasiyanasiyana ndi 0.01% mpaka 0.2% ndipo zimangodalira ndalama zowonjezera ndalama.

Maphunziro a ogwira ntchito m'mabungwe azachuma

National Standard Bank (Novorossiysk, Moscow, Oskol ndi mizinda ina kumene maofesi alipo) ikugwira ntchito. Ogwira ntchito nthawi zonse amawatenga antchito apamwamba kwambiri. Malingana ndi olemba ntchito, malo operekera ndalama amaperekedwa kuti akhale apamwamba kwambiri kusiyana ndi kawirikawiri pamsika. Popanda ntchito kubanki, wina sakhala pansi, moyo umagunda fungulo, ntchito zambiri zachuma zimathetsedwa. Katswiri aliyense ali ndi ntchito yake yomwe. Pali ndemanga za gulu lochezeka kwambiri ndi ulemu kuchokera kwa akuluakulu a boma. Bank "National Standard", mayankho ochokera kwa ogwira ntchito omwe nthawi zonse amawoneka bwino, amayesera kukhalabe apamwamba, pomagwira ntchito ndi makasitomala komanso ponena za ogwira ntchito. Chithunzi chonse chikuphatikizidwa ndi ntchito za boma komanso phukusi lonse, lomwe limaperekedwa kwa antchito.

Mapulogalamu okongola a makasitomala

Mapulogalamu okongola a mapulogalamu amapezeka mu bungwe la zachuma. Malinga ndi makasitomala, n'zotheka kusankha mosavuta mawonekedwe a mgwirizano. Choncho, mu chigawo cha "Standard Standard Pension", pempho la ruble lidzawonjezeka pamtunda wa 14%. Kuchuluka kwa kuchuluka kwa kubwezeretsa kwa akauntiyi kuli kofanana ndi rubles makumi atatu, ndipo nthawi ya mgwirizano idzakhala masiku 181. Pansi pa pulogalamuyi, peresenti ya dola ndi yuro, mitengo ya 5% ndi 4.75% ikuganiziridwa ndi zopereka zochepa za mayunitsi 1000. Mawu ogwirizana ndi masiku 271. National Standard Bank, yomwe chiwerengero chake chimasiyanasiyana kwambiri malinga ndi chiwerengero cha akatswiri apanyumba ndi apadziko lonse, amapereka mgwirizano pakati pa dongosolo la Savings Standard. Pano, chiŵerengero cha chiwongoladzanja cha ndalama za ruble chidzakhala 13%, chifukwa cha madola - 4,25%, pa akaunti ya Euro - 4.25%. Nthawi ya mgwirizanowo ndi yofanana ndi ya pulogalamu yapitayi.

Zimakopa makasitomala ndi kuti, malinga ndi mtundu wosankhidwa, mungagwiritse ntchito malonda monga malipiro a mwezi uliwonse , ndalama zowonjezera, zomwe mungathe kubwezeretsa kapena kuchotsa pang'onopang'ono ndalama kuchokera ku akaunti. Kukhazikika kwa mgwirizano kumathandiza aliyense kusankha njira yabwino yokonzezera ndalama. Banking "National Standard", yomwe ndemanga zake ndi zabwino kwambiri, tsopano zikukwaniritsa zofunikira zake. Ndipo mu zovuta zovuta kwambiri zamakono zamakono ndipo ngakhale phindu la kubwerera. Kulibe mavuto kumasonyezanso kuti palibe ndemanga za ogulitsa ndalama ndi mawu omwe bungwe la zachuma sililipira ngongole.