"Bin": ukuthembeka rating. "Bin" kwi ukalisho kweebhanki Russian

"Bin" yasekwa ngo-1993 njengebhanki umthinjwa, kwaye ngoku ibe liziko yorhwebo zemali ubungakanani avareji, nto leyo eye uthungelwano amasebe kwimimandla emininzi Russian. Ngowe-2014 ingeniso yayo umnatha landa ngokuphindwe kahlanu, ukufikelela ingeniso net abangaphezu kwezigidi 69 zeerandi (ezingaphezu kwe-3.9 bhiliyoni engange). Rating "Bin" ngokwemiqathango ukuthembeka, ngokutsho Central Bank - indawo 20 kwi ubungakanani asethi 413,2 billion engange.

Ukukhula ngokukhawuleza

"Bin" kule minyaka ilishumi idluleyo, likhula ngokukhawuleza, ukuthatha inyathelo kuthotho banks naphakathi kwindawo yokuqala Russian mabini. Ingakumbi ntlekele ifumile wabonakala abaninzi ngo-2014. Iziko mali ifumene asethi eziliqela, kuquka 'bin Credit Cards "(ngaphambili" Moscomprivatbank ")," bin Murmansk ". (Igama odlulileyo - JSC" DnB Bank ") kunye nokukhula iibhanki'" Ngaphezu koko, 55% yee-asethi kwi share zizonke walungiselela elifanelekileyo "Bin". Ikubeka Organization ngenxa linyuke kakhulu.

Ukufunyanwa izinto negalelo kwandiswe isiseko yabathengi, ukuphucula kwandiswe zoshishino kunye nokuphucula imeko iqela oluhlanganisiweyo-asethi: ngokwale isalathisi ibhanki ithatha indawo yesixhenxe rating zonke-Russian (ngomhla we 01/04/2015), kunyaka ngaphambili - kuphela indawo 40.

banks Rating: "Bin"

Le ntlekele koqoqosho uhlakaze kakhulu kumgangatho lwamaziko zemali Russian. Ukuba abanye babo zifuna ebanzi inkxaso karhulumente, i "Bin", phezu koko, bya le sikhundla. Ngaphezu koko, i portal enempembelelo Banki.ru ngenxa yempumelelo ngokukhawuleza lo mbutho ethile iye yayiqwalasela Bank yayo yoNyaka ngo-2014 Waye phambili nelamaRafa ingqalelo. Phakathi kwabo, "Savings Bank", "VTB", "Gazprombank" kunye namanye amaqabane.

iingcali angaphandle isekwaqaphele "Bin". umhlaziyi Rating kwi Standard & Poor kaThixo liyangqinelana ukuya kutsho kwisikhundla «B». Esi salathisi elungileyo ukuba iibhanki ezinkulu Russian, ezibonisa namandla, kunye neengozi ezithile obekwayo kuqoqosho lwengingqi. Ezinye Iimpawu:

• indawo yesithathu phakathi neebhanki zorhwebo inokuthenjwa eRashiya (04.01.2015).
• inzuzo 10 (01.04.2015).
• th 18 simo "Interfax-100" (ikota 1 ka-2015).
• 27 ubungakanani eyinkunzi kwezengqesho (04/01/2015).

uqikelelo abahlaziyi '

Ukufunyanwa kwempahla ebalulekileyo, waphawula kunyaka ophelileyo, ugunyazisa ezithile iingozi. Bank abahlaziyi qaphela ukuba "Bin" sicwangciso olungenelelayo kunye ndlongo ngexesha elifanayo. It luboniswe iingozi eliphezulu kuhlanganiso, banikwe ngomli--asethi ezifunyenwe kunye nezicwangciso ukuba sandise ishishini kwiimeko ezisebenzayo ezibi yeebhanki eRashiya. Ngelo xesha, isakhiwo beziko ngaphakathi iqela kuyimpumelelo ngokwaneleyo omnye komnye kwaye enze umbutho ukuba iya kuba umdlali esiluqilima emarikeni kunye esitalini ixesha elide imodeli ishishini kunye nokukwazi ngamandla ukwenza iingeniso.

Into entle kukuba asethi ezifunyenwe ezihambelana qhinga zexesha elide ukomeleza indawo lentengiso 'bin "kwi ingxenye ngemiyinge guqulo profile ishishini. Ngenxa ndilufumeneyo asethi indawo lenkampani kwi icandelo iidiphozithi yentengiso kubathengi kwaphuculwa. On 04.01.2015 "Bin" kwi ukalisho kweebhanki eRashiya kwesi salathisi wathabatha ndawo 7. Ukongeza, inkampani unako ukungena kwiimarike inani kwimimandla ebalulekileyo Russian. Kwixesha elizayo, uthungelwano isebe liya ezihanjiswayo amanqaku 450 zentengiso kwimimandla engaphezu kwama-60 ekupheleni kuka-2015 kulandela ukuvalwa okucetywayo kumasebe oluf.

ukuthembeka Rating

IA BankStars kwiziphumo zohlalutyo ngokukhawuleza iingxelo zemali elabelwe PJSC "Bin" ukuthembeka rating of "eyanelisayo". Ngokutsho BankStars, iziko luphawulwa umngcipheko ngokulinganisela engagqibekanga imisebenzi yakhe amatyala kunye iimali zabo. Noko ke, uzinzo kweebhanki ingqalelo kuphuhliso ezibi le meko.

yimali

Ngokusekelwe uhlalutyo lwesakhiwo umncono of PJSC "Bin", le BankStars amatyala arhente rating ungathathwa obuphakathi phezulu. Izigqibo zisekelwe mali aziphethe ngayo iidiphozithi kwi-akhawunti yebhanki ekhoyo kunye neqela kweebhanki ezifanayo ngokwemigaqo-asethi. Le nkampani uyakwazi ukuqinisekisa ukwenziwa kwangethuba senzuzo mboleko, imali xa kwimeko nokuzalisekisa njengemeko ntshikilelo kunokwenzeka.

zeemali

Ngo-2014, i ichazwe ngentla ukwanda kwinqanaba ze-mali qela kwi 13,05% ngenxa yokwanda inempumelelo, ngoxa kuncitshiswa ivolyum asethi PJSC "Bin". Ezireyitha ukukwazi ukubuyisela ilahleko kwimeko yengcinezelo meko mali eqikelelwayo njengoko obuphakathi phezulu.

Umgangatho portfolio mboleko

Ngokwe ngxelo, umthamo mboleko engahlawulwanga "Bin" kwi 01.01.2014 yaba RUR 3.623.610.000. (2.63% iphothifoliyo), ukwanda ngoDisemba 2013 ukuya RUR 189.61 yezigidi. Amalungiselelo for ilahleko zenyuke nge miri 156.140.000. wenza ingxelo umhla miri 5.752.920.000. (4.17% iphothifoliyo). oovimba bank kwabunjwa ilahleko unako mboleko yokugubungela mboleko zangoku asemva kunye ukungavumelani kwe 1.59. Ngomhla wokunikwa kwengxelo ipotfoliyo mboleko iphawulwa isabelo ezincinane kancinci.

izinto ukukhula

A indawo simo "Bin" phakathi sikhuphisana / amaqabane bachatshazelwa zinto zilandelayo.

HIV:

• ukwanda isiseko yabathengi kunye nesabelo indima;
• inkxaso eyomeleleyo ngohlobo lwezitofu eyinkunzi evela zabelo;
• kwandiswe isiseko resource.

negative:

• ebuka kakhulu iingozi asethi ezinxulumene Eluntwini ezifunyenwe ngo-2014, kwaye isicwangciso ndlongo ukukhula;
• inzuzo ayagexa zemisebenzi, ikakhulu ngenxa zokusebenza yepotifoliyo-mboleko angakhuselekanga ngemiyinge emincinci, umngcipheko omkhulu;
• kuyehla ukukhula kuqoqosho kunye neemeko ezibi zokusebenza zonke iibhanki eRashiya.

abanezabelo ezinkulu

Kulindeleke ukuba zabelo ezinkulu - M. O. Shishhanov ne MS Gutseriev - liya kuxhasa uphuhliso "Bin" kunye nokunika capital ezaneleyo ukuze kuzuzwe neethagethi zokukhula yebhongo. Ngowe-2011-2014 benza nokubandakanywa rhoqo eyinkunzi: 16.3 bhiliyoni engange imali enamanqanaba 1 engange-3.9 billion imali enamanqanaba 2.

Amafa Shishkhanov Gutseriev kunye namacandelo non-ebhankini, ngumphelelisi lonke ishishini "Bin". Ngokukodwa, imali yomhlalaphantsi kunye neenkampani ze-inshorensi eziphethwe yi yemali Shishkhanov uyakwazi ukunika intsebenziswano, linika abathengi inkonzo ebanzi, bakwazi ukwandisa isiseko sabathengi.

Njengenkunzi kunye inzuzo PJSC "Bin"

I-credit zokukala eyinkunzi kunye neengeniso luphawulwa njengophakathi. Njengenkunzi inikwa ubukhulu becala ngenxa infusions zabelo equity. Iimpawu Evaluation njengophakathi ezisekelwe ubalo umlinganiselo RAC ngaphandle kokuthatha ingqalelo izilungiso ukohlulwa kunye yoxinaniso iingozi ziya kuba malunga 5.1% kwiinyanga 18-24 elandelayo. Le lentelekelelo kuxhomekeke kulindelekileyo zilandelayo:

• Ukwanda kwii-asethi ye-34% ngo-2015 ngenxa nokumanywa yeebhanki "yokukhula" yaye "bin Murmansk" (14%) kunye nokukhula engumgquba (20%).
• utyalo-mali engange 10 billion. ngo-2015, nangona 6 billion engange esele zifunyenwe ngo-Epreli.
• inzuzo (1.5 billion) ngokusebenzisa kunikezelo izibambiso ezintsha ukubethelela i 'bin Murmansk ".
• Inzuzo eyinkunzi evela ingqalelo sokuqala eqela asset "UKWANDA".
• Ukuhla kwi net umdla umda kwi 4.3% ngo-2014 ukuya ku-4% ngowama-2015 ngenxa yokuba ukunyuka kwamaxabiso mali kunye nokhuphiswano nokwanda kwicandelo logcino Russian.
• lomonakalo Net - malunga ne-3.5% ngo-2015-2016, xa kuthelekiswa ne-2.1% ngo-2012-2014 (ixabiso avareji) ngenxa kukwehla imeko yezoqoqosho.

amathuba

Ngo-2014, ufikelelo "Bin" kukufumana ezinkampani luye lwaphucuka. Yena iziko mali labucala, ngoko kuye musa ukusebenzisa ukwayo nabalawuli US kunye European Union (njengoko kuchasene kwiibhanki ezinkulu Russian karhulumente). Ukongeza, ubukhulu nokukhula "Bin" wamvumela ukuba ukukhonza abathengi ezinkulu. Ngenxa yoko, le nkampani iye kwatsala inani kwiimbumba zabucala kunye noluntu njengoko kubaboleki kunye iimali zabo, nto leyo ekhokelele yokomelezwa kwisiseko bayo sabathengi. iingozi siboleka kumaqela anxulumeneyo zivavanywa njengophakathi: ulwabiwo-mboleko ukuya kumaqela anxulumeneyo accounted for malunga 2.6% yephothifoliyo mboleko (31.12.2014).

Kweli xesha 2015-2016 gg. ubona inzuzo "Bin" Iimpawu ayagexa kusebenza ngenxa zokusebenza zilindelwe iinxalenye mboleko angakhuselekanga ngemiyinge emincinci kunye namakhadi ngetyala. Inzuzo evela kwimisebenzi zokusebenza ngo-2014 yaba negative ngenxa yenkcitho ebalulekileyo ekudalweni oovimba 'bin Credit Cards ", ezifunyenwe kunyaka ophelileyo.

Into entle - ikomkhulu lolawulo "Bin" kuxhaswa yi-mboleko subordinated kule mali engange-12.7 yeebhiliyoni. On 01.04.2015 ratio capital mbutho 13.2%, nto leyo iphezulu kakhulu kunaleyo kwinqanaba ubuncinane 10% ebekwe yi-Regulator.