Abalingani baka-Alfa-Bank: uhlu

I-Alfa-Bank ingenye yezikhungo ezinkulu zezezimali eRussia. Yisikhungo esivela endaweni yonke esithandwa kakhulu ngamakhasimende nabalingani. Inhlangano iqinisekisa idumela lokuhola, lwenzeka ezinhlanu eziphezulu emakethe. Imininingwane eminingi mayelana nomlando, impumelelo, izintsha, abalingani be-Alfa-Bank bafunda kabanzi.

Dala

Umlando wesikhungo sesikweletu waqala ngo-1990, lapho abatshalizimali bevela eCyprus banquma ukusungula ibhange. Eminyakeni engu-15 yokuqala, kwakhiwa inethiwekhi enkulu yamagatsha, ubuchwepheshe bamuva buqalisiwe, uhla lwezinsizakalo lwalukhuliswa njalo, kanti abalingani bokuqala be-Alfa-Bank babonakala. Kodwa mayelana nakho konke okuhlelekile.

1990-1996: ukudalwa kwengqalasizinda, ukusungulwa kwezimiso zomgomo wezezimali, uhlelo lokuphathwa kwempahla. Indlela yokucatshangelwa kahle yokubeka isisekelo semisebenzi eyalandela yenza inhlangano ikwazi ukubhekana nezinkinga zezezimali ka-1995 futhi ingene ezikhungweni ezintathu eziphezulu lapho ama-eurobund wokuqala ayekwe khona.

1997-1998: ukuqiniswa okuqhubekayo emakethe, ukuvela kwabalingani abasha, izilinganiso eziphakeme kakhulu ezivela e-ejensi yokulinganisa yamazwe ngamazwe. Ukuhlukaniswa kwebhizinisi: ukuhlanganiswa ne-Alfa Capital. Ukuvela kwenkampani efanayo yokuqashisa igama.

1999-2000: ukukhula okusebenzayo kwenethiwekhi yesifunda i-Alfa-Bank. Amabhange-abalingani, abaluhlu lwawo olwethulwa kuwebhusayithi esemthethweni yenhlangano, banikeza ngezinsizakalo zokuxhumana kumakhasimende ngamanani aphansi.

2001-2002: ukubukeka kweTM entsha "i-Alfa-Insurance". Ukutholakala kwe-Amsterdam Trade Bank (ATB).

2003-2004: ukuqaliswa kwephrojekthi entsha i-Alfa-Bank Express. Emakethe yaseRussia, amabhizinisi angaphakathi ayingxenye yethembisayo kulezo zinsuku. Isidingo sabo sezinsizakalo zebhange sikhulu, futhi ukunikezwa emakethe kuncane. Uhlelo olusha lokubolekisa amabhizinisi aphakathi lakhiwa ngokucabangela ukuhlangenwe nakho kwezwe kanye nezidingo zamakhasimende asekhaya.

2005: ukungena kwesikhulumi "Isikhathi Sokuphila" sokuxhumana. Ifilosofi yakhe yafakwa kwezinye izinsizakalo zenhlangano: ukuzinza nokuphumelela okusekelwe ezindinganisweni ezifana nomndeni, ukuthuthukiswa komuntu siqu, ukuvumelana kwezithakazelo.

Imikhiqizo |

Isu lenhlangano sisekelwe esimisweni semvelo yonke: ibhange linikeza uhla olugcwele lwezinsizakalo zentengiso. Njengesikhungo esiphezulu kakhulu "sokubonga," sibolekisa izimali ukuze kugcwaliswe imali enkulu yokusebenza, ukutshalwa kwezimali kwezezimali , ukubolekwa kwemali, ukuqashiswa kwemali.

Esikhathini sokuxhaswa kwe-ATB, izinzuzo zebhange laseDashi enebhange elikhulu laseRussia zahlanganiswa. Isikhungo esibucayi ekusebenzeni kwezohwebo phakathi kwamazwe e -CIS ne-European Union, sikhuthaza ukutshalwa kwezimali emnothweni waseRussia.

Ngaphandle kwezinsizakalo zendabuko, ibhange libuye linikeze imikhiqizo ephezulu yobuchwepheshe besizukulwane esisha esivumela amakhasimende ukuba anciphise izindleko zokukhokha izinkokhelo, ngokuyinhloko aphathe ukugeleza kwemali nge-intanethi.

Ukusebenzisana phakathi kokuhlukaniswa kwezohwebo nokutshalwa kwezimali kwavumela ukusetshenziswa kwemithombo emakethe yezinkampani zezimali kanye nokuhlinzeka ngezinsizakalo kumakhasimende angaphandle emkhakheni wokuhlanganisana nokuthengwa kwamabhizinisi okukhethekile kwezocingo, imboni yokudla kanye negesi. Inethiwekhi yegatsha elibanzi, amabhange abambisene nabo e-Alfa-Bank, ohlu lwayo olwandayo, kanye ne-algorithm yokusebenza yomsebenzi yizici zokuphumelela ezidingekayo ukuze kuzuzwe imiphumela emakethe.

Abanikazi bamasheya

Namuhla, abazuzi be-Alfa-Bank yi-ABH Financial Limited (eCyprus - 99, 89%), i-Alfa Capital Holdings Limited (0.11%). Ukuhlukaniswa iziqephu eRussia Federation kungumgomo wazo wonke amaqembu. Abalingani baka-Alfa-Bank bakhonza amakhasimende eCyprus, e-Ukraine, e-Kazakhstan, eNetherlands naseBelarus. Phakathi kwabanikazi bokubambisana besikhungo kukhona nabanye - amalungu ebhodi labaqondisi.

Inhlangano isebenza abangaphezu kwezigidi ezingu-11 ezizimele kanye namakhasimende ayizinkulungwane ezingu-130,000 emhlabeni jikelele. E-Russia kuphela, kunamaphuzu angu-130 kwangu-711. "Ama-ATM" ama-ATM angaphezu kwama-4000. Uma abanikazi bamakhadi bengatholi lokho abayidingayo eduze kwendlu, bazokwazi ukuhoxisa imali eziphethweni zezikhungo zezezimali njengeBaltiyskiy Bank, Rosbank, Promsvyaz, MTB. Bonke babo bangabalingani be-Alfa-Bank, ngaphandle kwekhomishana yokukhonza ama-akhawunti amakhadi amakhasimende ayo.

Imiphumela yezezimali ngonyaka ka-2014

Ngokwezibalo zokuqala, izimpahla zenkampani yenyuka zikhule ngo-40%. Ukugqugquzela kwakuyizilinganiso ezibalulekile kuma-akhawunti, ama-deposit amakhasimende, kanye nezinye izikhungo zezezimali. Iphothifoliyo yesibambiso i-86% eyakhiwe izibopho. Ngonyaka, ikhula ngamabhilile angu-90 billion. Inyanga ngayinye ku-50% idluliselwa ku-repo. Inzuzo enhle yonyaka yayingama-ruble ayizigidi ezingu-65.

Imali Yemali

Enye yezindawo zokuthuthukiswa kwebhizinisi ukuhlinzeka ngemali mboleko yokuthenga imoto. Imigomo yesevisi iqinisile ngokwethembeka: iphakethe eliphansi lemibhalo, izikhathi eziguquguqukayo eziguquguqukayo, amanani aphansi, ikakhulukazi uma imoto ibhaliswe nekampani yomshuwalense "wendabuko". Ngebhange kungenzeka ukuthenga izikweletu zamagugu anjalo: BMW, Chevrolet, GM, AvtoVAZ, Opel, Mitsubishi, Chery, KIA, VAZ. Izicelo ziyamukelwa ngokudayiswa kwemoto. Abalingani baka-Alfa-Bank bavumela ukubuyiselwa kwemalimboleko emagatsheni amaziko abo, bekhokha ikhomishana encane yokukhokha. Futhi inkampani yomshuwalense wegama elifanayo inikeza amakhasimende anjalo amasevisi ayo ngamanani athembekile.

Kubuyekezwe ibhange le-intanethi

Ngonyaka we-2014, isikhungo sesikweletu kanye ne-EPAM Systems sakhele ipulatifomu entsha yokukhokha inthanethi. Yethula imisebenzi eyengeziwe. Amakhasimende angazixhuma enkonzweni "I-Alpha Business Online" futhi aqhube ukuthengiswa kwemali ekude . I-EPAM Systems ingumthuthukisi wesofthiwe e-Central neMpumalanga Yurophu. Abalingani baka-Alfa-Bank bayaqhubeka bebambisana kuze kube yimanje, bahlakulele futhi bahlanganise uhlelo lweBusiness Online. Ngalolu hlelo, ungenza izinkokhelo, ubuke umlando wokuthengiselana, izitatimende zokuthekelisa kunoma yikuphi ukufometha okulula, izicelo zokukhishwa kwezokuthengiselana ngezezimali, thumela izincwadi kwinhlangano yezikweletu.

"Abalingani baseCeles" base-Alfa-Bank

Kusukela ngo-2014, amakhasimende esikhungo sesikweletu e-Ukraine angakhipha ikhadi lesikweletu elihlangene ne-SkyPass ngezinzuzo ezilandelayo:

• Hlanganisa amamayela uma ubala noma kuphi emhlabeni;
• Mahhala mahhala ukungena ebhokisini lebhizinisi ku-terminal D yezindiza zeBoryspil;
• Sebenzisa isevisi ye-concierge, umshuwalense wokuhamba phesheya.

Amaphuzu atholakalayo angasetshenziswa emahokheni emoyeni. Ngokuya ngohlobo lwekhadi (i-World noma i-Platinum), kuwo wonke ama-unit angama-100 asetshenzisiwe ku-akhawunti, ama-8-10 amamayela abizwa. Ibhonasi yokuqalisa ingamayela angu-5000. Futhi ngokusebenzisa ikhadi phakathi nonyaka iklayenti izothola amaphuzu engeziwe angu-1500 ku-akhawunti. Thenga ithikithi yamahhala ye-Ukraine kungaba, enamamitha ayizinkulungwane eziyi-10. Ukuze uhambo oluya eYurophu, uzodinga amaphuzu amaningi kabili. Imephu inikeza isikhathi somusa ngezinsuku ezingu-55. Ngokwezibalo, ngemva kwezinyanga ezimbili zokusetshenziswa okusebenzayo, ungakwazi ukuqoqa amamayela ngendiza yamahhala kumazwe e-EU.

Isiphetho

I-Alfa-Bank yasungulwa ngo-1990 ngabatshalizimali abavela eCyprus. Sekuyiminyaka engama-25 ekhona, ithathe isikhundla esiphezulu emakethe, isizibophezele njengesikhungo semali esikhwameni yonke futhi senze inethiwekhi enkulu yamagatsha kulo lonke izwe. Cishe kuyo yonke imizi yaseRussia Federation ungathola ama-ATM e-Alfa-Bank. Abalingani beziko lesikweletu (MDM, IBC, iBaltic Bank, neGazprombank) nabo bakhonza amakhasimende ngesisekelo.