"PSB": ukuthembeka rating

Abantu abaninzi baye beva yeziko zemali phantsi igama "Promsvyazbank". Zokukala yeebhanki best eRashiya ithi enye inokuthenjwa. Kwaye ke kuyinyani. Nakuba kunjalo, ukuba kuthi ngakumbi lo mbutho kwaye yonke into eza kuye.

ulwazi jikelele

ukuqala phi, ukuthetha malunga iziko lamatyala ezifana 'Promsvyazbank "? Rating - into yokuqala basenokuba ngabaxhamli nonomdla kulo, kwaye oku kubalulekile, kodwa ukuba siqale - amagama ambalwa malunga mbutho ngokwayo.

Ngoko ke, ibhanki Russian iyimfihlo. isihloko yakhe ifundeka ngolu hlobo lulandelayo: "." "Public Joint Stock Company" Promsvyazbank Ngokufuthi, usenokubona basisishunqulelo - PSB.

Ukuba uyakholwa iinkcukacha ezisemthethweni, isiseko umthengi ngaseludinini yenziwa kumashishini nama-100,000 kunye nabantu abazizigidi ezibini zabucala. It has ezingaphezu kwama-300 intengiso iindawo kanye ATM phantse 8500. Plus - ezinye 200 ezinjengeetheminali self-nkonzo. Iinkonzo ze ibhanki zenziwa 88% yommandla lo Russian Federation. Yintoni ebalulekileyo - umbutho-ofisi yayo e Ukraine, Kazakhstan, India, China kunye eSipro. kwiminyaka emithathu edlulileyo, wavula iofisi eSwitzerland, nkqu nezicwangciso ukusuka ebhankini ukuqala umsebenzi eTshayina, ukuba ngqo ngakumbi, e-Hong Kong.

A incinane

"Promsvyazbank", nto leyo mlinganiselo ophezulu kakhulu yayisekelwe eMoscow May 12, 1995. Ekuqaleni, abaxhasi bombutho baba iinkampani zonxibelelwano. Kodwa kwathi ngokukhawuleza, ukuze kwixesha elizayo kufutshane (phakathi kweminyaka emi-3), ibhanki uthathe indawo yawo phakathi ikhulu kakuhle ngokwemigaqo-asethi. Kwaye ngowama-2005 waphakama ku-15 kwindawo th. Ukususela ngelo xesha, "Promsvyazbank", ogama mlinganiselo uye wakhula kakhulu ngaphezu kweminyaka eli-10 yeziko zemali, iye yaqala ukuphuhlisa ngakumbi. Waqalisa ukuba ibe ngumbutho "jikelele". Sele 2007 lwase amanqaku ayo zentengiso kwiindawo 100 Russian Federation ngo.

I-Bank iye uthandwa kangangokuba ngo-2005, ngoSeptemba, umbutho Slovenian ekuthiwa Nova Ljubljanska Banka ifumene isabelo yalo mali ka-7.69%. Noko ke, kunyaka emva koko umnini uthenge le yinxalenye ngasemva. Kwaye emva komzuzwana 15.32% sele athengiswe entlanganweni e Commerzbank. Kwaye ngowama-2007, i-PSB uyekile ukuba inkampani imfuyo joint, ukutshintsha ubume ku JSC.

Kodwa ke eyona umdla - kukuba wangena iibhanki top-kudidi phakathi le ngxaki ngo-2009. "Promsvyazbank" uye waba ngomnye inokuthenjwa kulo lonke Russia. Nguye kule phezulu kwenzeka yesine.

impahla

Ubukhulu becala kangakanani kakuhle ibhanki umiselwa ixabiso kunye nomthamo yeziveliso zayo. Ntoleyo, ukuthetha ngokuthe ngqo, i-asethi. Ngokomzekelo, ibhanki ebizwa ngokuba "Elbin." Ngenkankulu weva nayo iqashiso. Yintoni akumangalisi, kuba phezu, indawo yokugqibela 549th kwi ukalisho kweebhanki Russian! Nempahla yawo (izibonelelo efanayo) kuphela 830 750 thous. Engange. Hayi kakhulu kakhulu, xa sikhumbula ukuba equity ye-Savings Bank, nto leyo eyaziwa ukuba ngokupheleleyo wonke umntu, ngu 3.2 ezigidi. Kunye asethi ngaphezulu - 27.3 ezigidi! Lo mzobo kunzima ukuqonda. Kodwa kuphela ngokwaneleyo kuthi ukuba - 27.3 amawaka billion amaxesha. Encomekayo? Yiya phambili.

impahla eqinileyo, luyagwagwisa "Promsvyazbank", indawo nokurhafiswa ophezu kumgca-9 (ukususela ngoNovemba of the current, 2016). impahla yawo - 1.2 ezigidi. Equity - 123,44 billion. Kwaye la manani nje abuna- injezu. Yaye isibakala sokuba inxalenye enkulu yezi mali wenziwe utyalo-mali kunye nabaxumi kwinkampani yabatyalimaliny - bungqina kukuthembeka kwayo.

iindaba

Akumangalisi ke, rating of "Promsvyazbank" ngokwemiqathango kukuthembeka uphezulu. Isibakala ukuba kulungile, ebonisa ngokoqobo yonke into. Thabatha, umzekelo, iindaba yakutshanje, owayebonakele ekuqaleni kuDisemba 2016. Kwazeka oko ukuba "Promsvyazbank" uye wangena amaziko zemali ezintathu eziphezulu kwi kwicandelo lenkonzo premium. Kwiziphumo isaziso Frank Research Group. Le nkampani yophando ephambili entsimini zohlalutyo iinkonzo zemali.

Kubangel 'umdla ukwazi ukuba ithathelwe ingqalelo inqanaba lenkonzo kunye nomgangatho wovavanyo we iinkonzo zebhanki ekude, iindidi iinzuzo, izindululo utyalo-mali kunye neminye imiqathango. INtloko yesebe umsebenzi kunye nabathengi abazizityebi Siqinisekiswa ukuba "Promsvyazbank" igxininisa ipremiyamu kwicandelo kunye nophuhliso kwicala loshishino. Kwaye ngenxa yokuba abantu baqonde inkonzo lobuqu, nangona, kwaye asebenzise imigudu kude, umbutho wagqiba ukuvula kwindawo entsha kubo. Ngowe-2017 sihlelwe ukwenza kubo nakwezinye izixeko Russian, hayi kuphela eMoscow kwiNgingqi eMoscow.

umdla ukwazi

Ukuthetha nokurhafiswa ebhankini "Promsvyazbank" ngokwemiqathango ukuthembeka, ndingathanda ukuthi akunjalo kwakudala, lo mbutho sele uphumeleleyo yesahlulo ekuthiwa'S Russia Management Wealth Awards SPEAR. Esi sisiganeko esibalulekileyo. Ekubeni lo msitho bhaso ibanjwa qho ngonyaka, sinikezwa abameli best iibhanki zabucala, ogama imisebenzi enxulumene nolawulo oluninzi eyinkunzi.

Eli bhaso a ingqalelo yokwenene ngempumelelo impumelelo mbutho. Kunye nokuqinisekisa izinga eliphezulu lobungcali emsebenzini.

amazinga enzala

Akumangalisi ezifana inkampani njenge "Promsvyazbank", ezireyitha Central Bank kubeka eliphezulu kakhulu. Lo mbutho kuthatha inganyamekeli labaxhasi zizityebi, kodwa bonke abantu babuyela kuye kwiinkonzo. Kutshanje, umzekelo, "PSB" sele igqibe ukuba izinga kwenzala kwimali-mboleko. Kumashishini amancinci, kodwa ngoku elingana 9.4% nakumndilili - 8.3%. Thelekisa, omnye ube zizahlulo linengeniso ye-Savings Bank - i "Business-Kutyala", yaye irhafu zakhe ngonyaka ukusuka 11.8%. Xa sijonga umahluko kucaca: senior usekela-mongameli "Promsvyazbank" tye esithi ukuba inkampani bazo owenza iimeko eziphambili kurhwebo lwezimali ngoosomashishini.

Ukusebenza nabantu

Abantu abaninzi banomdla: indlela elungileyo i "Promsvyazbank" ngokwemiqathango iinkonzo ezinikwa abemi abaqhelekileyo? Sekunjalo, asinguye wonke kwilizwe lethu umntu osisityebi okanye umnini ishishini. Kaloku, kunye nokusebenza nabantu, intlangano waphumelela.

Ngokomzekelo, cinga le nkonzo njenge "njengepesenti ePhathekayo." Oku kuluncedo kubantu abafuna ukutyala imali kwenye indawo imali yakho nokunyusa ingeniso. Ukuze umntu ukuvula i-akhawunti apho ubeka imali ethile kangangexesha elithile. Rate - 8,25% ngonyaka. Okunye zingadityaniswa 0.25% - kwimeko ukuba umntu ongumnini inkonzo program i Orange Premium Club okanye "PSB Yakho Premium".

Masithi umxhasi igqibe ukuvula idiphozithi "ipesenti ezithembekileyo", nangeendleko ukubeka engange kwesigidi. Ekupheleni kwekota (1), uya kufumana le mali, kunye inzuzo ~ 83 000 p. Kwaye ukuba utyala imali ngakumbi? Emva koko wenza bafumane ingeniso elungileyo kwisixando sokwenziwa.

mortgage

I-credit rating of "PSB" - nesihloko umdla, ngoko kuyimfuneko ukuba lokumba kuyo. Kule mihla hlobo uthandwayo mboleko --mboleko. Kwaye abaninzi wenze ngaphandle kwayo kwi "PSB". Kutheni? Kwaye ngenxa yokuba lo mbutho unika iimeko zivuma.

Unakho ukuthenga indlu ekwakhiweni entsha, ethatha mortgage kwi 10.9%, nkqu kunye nenkxaso karhulumente. Ziziphi iingenelo? Okokuqala, izinga lowu lisebenza lonke ixesha mboleko, kodwa ukuba abantu baya kusebenzisa iinkonzo zamaqabane abakhi. Okwesibini, intlawulo yokuqala-20% kuphela. Oko kukuthi, ukuba umntu ufuna ukuthenga indlu studio for engange kwezigidi ezibini, kuza kufuneka uhlawule okokuqala 400 000 kuphela. Okwesithathu, iBhanki angasibaleli naziphi na iimali ezongezelelweyo processing mboleko kwaye unika intlawulo yokuqala ngaphandle izohlwayo kunye nezithintelo.

Ke ukugqithisela ibalulekileyo - iimfuno ngaphaya yaye bambalwa iklayenti. Ubumi kufuneka Russian, ubudala - ukusuka engama-21 ukuya kwengama-65 ngosuku lokubuya. Yokuhlala okanye indawo esisigxina umsebenzi - nayo eRashiya. amava emsebenzini - ubuncinane ngonyaka. Kwaye indawo yokugcina - iinyanga 4. Sozaomschika ukubandakanyeka kuvumelekile, kodwa kunokuba kuphela iqabane osemthethweni (umyeni / inkosikazi). , Uya kuba Ke ukuba indoda iba mboleko oko kuxhomekeke isibheno. Kuko konke. Imigaqo elula kangangoko kunokwenzeka - oku sisizathu esingundoqo sokuba kutheni abantu abaninzi ngaphandle mortgage na kwi "PSB".

ekugcineni

Kwaye omnye ubungqina ukuthembeka "Promsvyazbank" Ndifuna ukuthi ehlotyeni kwalo nyaka, ibhanki Internet lo mbutho sele iye yamkelwa engcono kulo lonke Russia. Studies lwenziwa phantsi igama lowu Global Business Outlook. Le ncwadi ishishini ngonyaka amalungiselelo umsitho kwiindawo ezahlukeneyo iindidi msebenzi zoshishino kwezoqoqosho. Zasebhange Internet PSB kuye kwaqatshelwa njengoko inokuthenjwa engcono. Ngapha koko, oku kusetyenziswa onke ngumthengi yesine mbutho.

Hi ndlela leyi, phakathi ku-entwasahlobo kwalo nyaka, PSB yaqalisa abantu ibhanki ezintsha intanethi. Utshintsho nawo kuphela uyilo, kodwa umxholo. Ifakiwe iimpawu luncedo, kwaye imisebenzi kakhulu zithandwa ukuba abathengi sebenzisa amaninzi kufumaneka ngo okukodwa kuphela.

Ngokubanzi, njengoko sibonile, PSB ukuthembeka ubungqina, kukho abaninzi. Eyona nto izicacele - lo ubungakanani asethi nokubeka Central Bank. Owu, yintoni oko, yaye akukho mathandabuzo ezi zibakala.