Bank "Ugra": iingxaki. Bank "Ugra": ncomo

Ibhanki "Yugra", iingxaki kuphela okwexeshana, wabonakala ngo-1990. Emarikeni yeziko kwiinkonzo zemali sele abaxhamla kule minyaka ingama-20 idlulileyo. Umahluko omkhulu kwishishini - oku yinkonzo elungileyo ezikumgangatho ophezulu, uluhlu ocacileyo kwiinkonzo zemali kunye neemveliso ukuba yobuninzi eziphathekayo nokwakha ishishini labo. Banking inkampani ithatha esemthethweni inkqubo USWIFT, nto leyo esele uthetha ukuthembeka bakhe kunye nobuchwepheshe. status High yomelezwa ukukwazi ukwenza iintlawulo kunye nokudlulisela ulwazi bank ngamazwe-hlobo, olubandakanyayo.

Iindlela ezintsha

Ibhanki "Yugra", izimvo apho ngenxa becala HIV ngo-2013 ngokupheleleyo batshintsha imisebenzi nkqubo. Ubunkokheli entsha ukhethe indlela ezintsha, kwaye iye yaseka nkqubo engaqhelekanga yophuhliso esebenzayo. Namhlanje, iziko zemali ngokuba yonke ngetyala elikwinqanaba federal. umsebenzi Amaziko ligxile eyahlukeneyo kwimibutho yomthetho kunye neenkampani ukusebenza ngezigaba ezahlukeneyo kuqoqosho. Abemi uyakwazi ukunandipha iingenelo iiteknoloji ezintsha kweenkonzo ithuba ukusebenzisa iinkonzo zebhanki phambili. I-asethi elibalaseleyo, esimelela ibhanki "Yugra" (St. Petersburg) kukhuphiswano - kuba abathengi. Kudalwe iimeko ezithandwa yentsebenziswano eyinzuzo elinganayo kunye neziqhamo. Umsebenzi iphambili iinkampani zemali - eli ukhulisa mali iimfuno zabathengi kunye nabo banezabelo.

ubunzima bokwexeshana 2013

Bank "Ugra" yaba iingxaki nje yokwexeshana, yaye ngoku sele ngasemva. Ngenxa iingxaki abajongene ngo-2013. Ngaphandle kwento yokuba iziko zemali ezibhankini top 200 Russian ngokwemiqathango kwenkunzi, kweli xesha sele enqunyanyiswe okwethutyana iminikelo. Ngelo xesha ke ingxelo ukuba kunokwenzeka njengoko umnikelo close ezikhoyo kwaye gcwalisa ngayo. Abasebenzi zamaziko zemali ziye wagxininisa ukuba ngenxa yokusilela yobugcisa, kwaye kamsinya nje nokusebenza le nkqubo iya kubuyiselwa, ummiselo iqalise.

Abagcinisa panic - umdla elahlekileyo

Bezimali woyika, waqala kabukhali ukuba ukurhoxisa iidipozithi zabo, ngaphambi kwexesha kunqanyulwe izivumelwano. An into umdla kukuba akukho kulibaziseka ngeentlawulo wayengekho, yaye "Ugra" needipozithi zebhanki ngabantu zihlawulwe ngokupheleleyo yaye ngokuhambelana kunye nezivumelwano. Abantu baye balahlekelwa ngumdla ngenxa yimincili, nangona enyanisweni akukho nobunzima kakhulu azizange. umsebenzi Amaziko mali ibuyiselwe ngokupheleleyo emva kweeveki ezimbalwa. Kuphela "kodwa" - ukuncitshiswa amazinga enzala iidipozithi emva kut- functionality.

Yintoni eyabangela ubunzima yethutyana?

ubunzima lwethutyana kunye bajonga iingxaki ezingephi nazo kunye nabatyali-mali, kunye nolawulo ibhanki yakhe, zabangelwa i ngetsheki nezingacwangciselwanga ye-Central Bank. Abameli abasemagunyeni ugunyazisiweyo amazinga abanomdla kwi iidiphozithi, ngelo xesha yaba likhulu kwiimalike zemali zasekhaya. Ngokutsho manani, uninzi egcina imali ezifundisa irhafu zokuzicingela kwiidipozithi, abaneengxaki zemali kwaye esengozini ungonakala. Ukukhulisa imali of abatyali- mali ngokwemiqathango elilungileyo - akukho nto sizame lezimali. Le nto ke umdla nabalawuli. Examination wachaza akukho iingxaki zemali. Ibhanki "Yugra", imiba leyo enxulumene kuphela uphicotho ezingalindelekanga yaba iingcebiso ezithambileyo ekunciphiseni ubungakanani iminikelo ezifunyenweyo umyalelo ngokuphathelele ukuthoba izinga lenzala. awasabela ngayo yeziko kwaba ngoko nangoko.

izibalo Digital

Isiqinisekiso sokuba "Ugra" (bank) iidipozithi umdla hayi ngenjongo ukufumana ngaphezulu phambi ezikweletini, kodwa kuphela ngaphakathi sikhokelo-nkqubo wayo, iingxelo zikawonke banikwa, leyo yatsala ingqalelo nabalawuli. Le nto ukuba iziko zemali emva kokuba ukwamkelwa qhinga ezintsha zoshishino baqala ukwandisa ngenkuthalo walo mboleko. Ngenxa kwiphulo intengiso entsha, wakwazi ukutsala iidipozithi kwi engange-18 billion ngenyanga yokuqala, yaye 20.5 bhiliyoni yesibini. Iphothifoliyo lenyuke phantse 1.6 amaxesha. "Ugra" (bank) iidipozithi nokunikezela ngokona, kodwa ayithethi ngokuhlala phezu yayisecicini ezikweletini, kunoko, oko kubonisa-nkqubo ndlongondlongo kunye nomnqweno ukoyisa kwiimalike zemali eRashiya.

Tshintsha yoosozabelo bahamba inzuzo kuphela

Ekupheleni kuka-2012 utshintsho zabelo. Abanikazi omabini amaziko emfundo abantu 6 abaye nje usukelo wammisa wena ukuba ungene phezulu "iibhanki 100 Russian ngokwemiqathango eyinkunzi." Ngelo xesha lokutshintsha lobunini loovimba lowo ibhanki "Yugra", apho ncomo lentsholongwane ezoyisayo Ithoni engange eziibhiliyoni ezi-4. Kwacetywa ekukhuliseni kumzobo engange 7-10 billion. Iimpahla kunye neqondo engange-27,3 ezigidi wayecebe ukwandisa ku engange-50 ezigidi. Kungekudala emva kokuba utshintsho zabelo kwi eendaba kwaxelwa ukunyusa ikomkhulu ogunyaziswe ukuba engange 6.17 bhiliyoni. Zonke ezi ziganeko zenzeka ngexesha kwiinyanga ezintathu phambi komhla xa iziko zemali ingqalelo abasemagunyeni Agasti.

Imbali uyaziphinda

iitshekhi Engalindelekanga wenza ukutshintsha ngokupheleleyo umgaqo-nkqubo yebhanki. rates Inzala iidiphozithi zancitshiswa ukusuka 12.4% ukuya 6,5% ngonyaka khona imali engange. kokuthotywa kwenzeka malunga iidipozithi imali yelinye ilizwe. Ngaphambili ibhanki "Yugra" (St. Petersburg) wanika 7.9% ngonyaka, namhlanje inikeza akukho ngaphezulu kwe 2-3%, kuxhomekeka iphakheji. Ukongezelela awe kwenzala, inkqubo evalelwe phantsi ngaphambi kwexesha ngokuba "Summer Mobile", yona inzuzo kwimarike zemali kakhulu kakhulu. Central Bank of iRussia unelungelo lokuvala athatha iidipozithi, kodwa kungaphelelanga kuphela isilumkiso. Ukutyhubela imbali ikhona, i-Central Bank iye ngokubonakalayo onilwelayo ekwehliseni iirhafu ngenxa ukuwa kwamaxabiso. Ngokutsho abameli iinkonzo zoluntu, indlela kwimeko inika amathuba amatsha bagcini zikhangela amatyala umba. amanyathelo athathwe nxamnye "Sotsgorbank" yaye "Stroykredita", nto leyo ethintela okwethutyana ukwamkela iidipozithi ngexesha lovavanyo kwaye ezinxulumene kunye neengxaki zobugcisa.

Yintoni bathi ukubuyekeza umthengi?

Ibhanki "Yugra" (St. Petersburg, eMoscow) yaziwa kubaxumi njengomnye iinkokheli kwicandelo logcino. Ngokutsho abagcinisa, iziko zemali inika uluhlu olubanzi lweenkonzo ezahlukeneyo kunye ukwanelisa ngokupheleleyo neemfuno nkqu abathengi eyona inzima. Abo wagqiba ekubeni uthathe ithuba yintengiso ubume bezemali, musa ayeke ukuthetha ngendlela elula ubambiswano. Sithetha inani enkulu amasebe kunye ATM ezininzi zobugcisa zakutsha nje, ezivumela ukwenza nawuphi na umsebenzi ngokukhawuleza kangangoko kunokwenzeka. A isici esasenza abaninzi yentsebenziswano ekuthiwa umdla imihla iidipozithi, nto leyo inceda ukwandisa inzuzo kule yokugqibela. Ibhanki "Yugra" iingxaki ezikumila okwexeshana woyisa lula. inqanaba layo eliphezulu kukuthembeka yinto yokuba cishe ngaphandle ilahleko iingxaki ka-1998, 2008.

obonwa ngurhulumente

"Ugra" (Bank of eMoscow) liye waqaphela kuphela inani amakhulu abathengi, kodwa kurhulumente. Agency Insurance Sedipozithi usibeka kwinqanaba kunye Savings Bank of Russia. Xa isiqinisekiso oku sinokuthi emva ekurhoxisweni mvume "Tyumenagroprombank" zimali (abantu zendalo) zifumene imbuyekezo kwi-Arhente Insurance Deposit ngokusebenzisa i-Savings Bank, kunye nabatyali-oosomashishini ukuba abuyekeze "Ugra". Inkangeleko kuluhlu arhente kwiminyaka emibini nje emva kokungena kwinqanaba federal - yinto uphawu ebalulekileyo ebonisa likhulu ekhulwini ukuzithemba kwiziko zezimali ngakwicala likarhulumente. Ngexesha lentlekele, xa iibhanki siyabhanga, kunye nolawulo lwayo kuthatha amanyathelo mthethweni ukuba wonge imali yabo, "Ugra" - ebhankini, idilesi isebe nzima ukufumana, ukuze afumane imithombo yenkxaso-mali nje kuphela, kodwa wabayalela ukuba ukuqinisa isakheko zabo. Capital ukuba "bubudala" ngenxa imeko yezoqoqosho enzima kwelo lizwe, kodwa koko, landa. "Ugra" (Bank of eMoscow) igcina isikhundla olomeleleyo, kunye nemisebenzi yayo zikhokelwa iimfuno zabathengi. Nantso into eyenza eli ziko kakhulu nomtsalane zezimali abemi beli lizwe.