Bank "Ugra": izinkinga. Bank "Ugra": Izibuyekezo

Ibhange "Yugra", izinkinga okwakukhona zesikhashana kuphela, wabonakala ngo-1990. Ezimakethe kwezinkonzo ezingokwezimali isikhungo iye sizuza engu-20 edlule. Umehluko omkhulu ibhizinisi - lena service enhle futhi ephezulu, uhlu nenhle kwezinkonzo ezingokwezimali kanye nemikhiqizo nokuchichima sibonakala ngokuchuma ngezinto ezibonakalayo futhi ukwakha okwabo. Ýkhasýmende inkampani kuyinto umhlanganyeli esemthethweni ohlelweni SWIFT, osuvele ukhuluma ngani ukuthembeka kwakhe kakhulu kanye nobuchwepheshe. isimo High ligcizelelwa ikhono ukwenza izinkokhelo nge ebhange ngamazwe-uhlobo nokwaziswa transmission, kukonke.

Izindlela emisha

Ibhange "Yugra", ukubuyekezwa zazo esikhathini esiningi nga-2013 yasishintsha imisebenzi inqubomgomo. Ubuholi obusha uye ukhethe indlela emisha, futhi isungule inqubomgomo esingajwayelekile asebenzayo. Namuhla, inhlangano yezimali kungenziwa ngokuthi jikelele credit inhlangano isikhundla sikahulumeni. Institutions msebenzi sigxile ezihlukahlukene izinhlangano ezingokomthetho kanye nezinkampani ezisebenza izingxenye ezahlukene emnothweni. Umphakathi uyakwazi ukujabulela izinzuzo yesevisi entsha ubuchwepheshe kanye nethuba ukusebenzisa amasevisi ebhenki eziphambili. Amafa evelele, esimelela yasebhange "Yugra" (Petersburg) kusukela mncintiswano - kuba amakhasimende. Zadala isimo esihle ubambiswano letihlomulisa futhi zizale. Umsebenzi oyinhloko izinkampani zezimali - ngenkuthalo ukhulisa izimali zabo ukuze bakhonze izithakazelo amakhasimende kanye bamasheya.

nobunzima ngo-2013 lesikhashana

Bank "Ugra" kwakuba yizinkinga zesikhashana kuphela, futhi manje sebevele ngemuva. Nge izinkinga ezihaqe 2013. Naphezu kweqiniso lokuthi inhlangano yezimali kuyinto phezulu 200 amabhange Russian ngokuya dolobha, kule nkathi liye iminikelo kumiswe okwesikhashana. Ngesikhathi esifanayo kwabikwa ukuthi kungenzeka eduze umnikelo ekhona futhi gcwalisa it. Abasebenzi weemali ziphikelela ngokuthi isizathu yokwehluleka lobuchwepheshe, futhi ngokushesha nje ukusebenza kohlelo liyobuyiselwa, imigomo iyaqala.

Emabhange uvalo - isithakazelo elahlekile

Abatshalizimali watatazela, waqala ngokucijile ukuhoxisa ezifakwa zabo, ngaphambi kwesikhathi kunqanyulwe isivumelwano se izinkontileka. Kuvele Eqinisweni ezithakazelisayo wukuthi azikho nokubambezela ukukhokhela yayingekho, futhi "Ugra" ezifakwa emabhange ngabanye ikhokhwe ngokugcwele futhi ngokuhambisana nezivumelwano. Abantu baye engasenandaba ngenxa injabulo, nakuba eqinisweni kungekho nobunzima obukhulu kwakungafanele. izikhungo zezimali emsebenzini libuyiselwe ngokugcwele ngemva kwamasonto ambalwa. Okuwukuphela "kodwa" - nokuncipha zenzalo yokuzigcina ezifakwa ngemva resumption of ukusebenza.

Yini eyabangela ubunzima besikhashana?

ubunzima besikhashana kanye izimo ezincane nazo kanye zimali, nokuphathwa asebhange, okudalwe i isheke unscheduled of Central Bank. Abamele iziphathimandla ogunyaziwe babe amazinga nesithakazelo ku imali, ngaleso sikhathi kwakuwumsebenzi wokuhumusha omkhulu kunayo emakethe yasekhaya zezimali. Ngokwezibalo, iningi amabhange anikeza amazinga eqolo ku imali, nobunzima kwezezimali futhi esengozini ezikweletini. Ukukhulisa izimali zimali ku ezimvunayo - limane uzama ukuze ingaziki. Yilokhu iyathakazelisa nabalawuli. Examination wembula akukho izinkinga zezimali. Ibhange "Yugra", nezindaba lapho babehlobene kuphela izimali ezingalindelekile kwaba izincomo ezithambile ukwehlisa inani iminikelo abayitholayo nokulaywa ngokuphathelene ukwehlisa inani lenzalo. ukuphendula yesikhungo walokho wabonakala ngokushesha.

izibalo Digital

I isiqinisekiso ukuthi "Ugra" (ibhange) ezifakwa bakhangwa hhayi ngenjongo ukuze uthole okwengeziwe ngaphambi ezikweletini, kodwa kuphela ngaphansi kohlaka inqubomgomo, imibiko yomphakathi zanikezwa, okuyinto yabakhanga nabalawuli. Into wukuthi isikhungo sezezimali ngemva ukwamukelwa of ezintsha isu lebhizinisi waqala ngenkuthalo ukwandisa portfolio ayo loan. Ngenxa umkhankaso omusha zokukhangisa, ephethwe ukuheha ezifakwa ruble 18 billion ngenyanga yokuqala, futhi bhiliyoni 20,5 lesibili. Umgodlagodla i-credit lenyuka cishe 1.6 izikhathi. "Ugra" (ibhange) ezifakwa ukunikela okungcono, kodwa alikhulumi ukuhlala on the esengozini ezikweletini, kunalokho, kuyinkomba kwenqubomgomo abanonya isifiso ukunqoba emakethe yezimali yeRussia.

Guqula bamasheya waya inzuzo kuphela

Ekupheleni kuka-2012 ushintsho bamasheya. Abanikazi kokubili ezikhungweni unabantu 6 ngubani abe umgomo ukuzibizela engene phezulu "amabhange Russian 100 ngokuya dolobha." Ngesikhathi usungowomunye reserves ukuthi kwadingeka ibhange "Yugra", okuyinto Izibuyekezo babephana ngendlela emangalisayo omuhle ithoni kuyinto ruble 4 billion. Kwakuhlelwe ukuba baphakamise sibalo ruble 7-10 bhiliyoni. Amafa ezingeni ruble 27,3 bhiliyoni kuhlelwe ukwandisa ruble ayizigidi eziyizinkulungwane ezingu-50. Ngokushesha ngemuva kokushintshwa bamasheya kwabezindaba kwabikwa ukwandisa inhlokodolobha ugunyaziwe ruble 6,17 billion. Zonke lezi zenzakalo zenzeka phakathi nezinyanga ezintathu ngaphambi kosuku lapho isikhungo sezezimali owayinaka iziphathimandla ngo-August.

Umlando uyaziphinda

amasheke Okungalindelekile ezenziwe ngokuphelele ukushintsha inqubomgomo ebhange. Isithakazelo amazinga ezifakwa sebehlala kusukela 12.4% kuya ku-6.5% ngonyaka ruble imali. Ukukala ukusikeka senzeka maqondana izimali zakwamanye amazwe imali. Ngaphambili ibhange "Yugra" (Petersburg) wanika 7.9% ngonyaka, namuhla inikeza akukho kuka 2-3%, kuncike iphakethe. Ngaphezu falling nesithakazelo rates, uhlelo licima kwasanhlobo ngokuthi "Summer Hambayo", okuyinto inzuzo kakhulu kakhulu emakethe yezimali. Central Bank of Russia kwadingeka unelungelo lokuvala ukusebenzelana azithathe ezifakwa, kodwa kungagcini kuphela isixwayiso. Kuwo wonke umlando saba khona, Central Bank ubelokhu elwa ukwehlisa amazinga ngenxa ukuwa kwamandla emali. Ngokusho abamele nezinsiza zomphakathi, indlela eyisa isimo inikeza amathuba amasha bebhange beyofuna zezimali isici. Izinyathelo ezinjalo zithathwa ngokumelene "Sotsgorbank" futhi "Stroykredita", okuyinto kumisiwe okwesikhashana ezifakwa ngokwamukela ngesikhathi sokuvivinywa lihlotshaniswa nobunzima bobuchwepheshe.

Yini ngithi Izibuyekezo ikhasimende?

Ibhange "Yugra" (Petersburg, eMoscow) is kumakhasimende eyaziwa ngokuthi omunye abaholi komkhakha wamabhange. Ngokwe-emabhange, isikhungo sezezimali inikeza uhlu olubanzi amasevisi ahlukahlukene futhi anelise ngokugcwele izidingo ngisho amakhasimende olindele kunazo. Labo abanquma basebenzisa lakala isakhiwo zezimali, bengayeki ukukhuluma ngento ngokubambisana ngesakhiwo elula. Sikhuluma lenqwaba amagatsha kanye ATM of eziningi ubuchwepheshe bamuva, okukuvumela ukufeza noma iyiphi ukusebenza ngokushesha ngangokunokwenzeka. Isici esiphawulekayo eziningi ngokubambisana ngokuthi isithakazelo nsuku zonke ku-imali, esiza ukukhulisa inzuzo yokugcina. Ibhange "Yugra" izinkinga bemvelo yesikhashana wakunqoba lula. ezingeni layo eliphezulu ngokuthembeka Kuyaphawuleka ngokuthi cishe lossless ngasinda inhlekelele 1998, 2008.

obonwa uhulumeni

"Ugra" (Bank of Moscow) ubelokhu eqashelwa hhayi kuphela isibalo esikhulu samakhasimende, kodwa futhi ukuze isimo. Idiphozithi Insurance Agency usifaka ezingeni ne Savings Bank of Russia. Ngo isiqinisekiso leli qiniso singasho ukuthi emva ukudamba yelayisensi "Tyumenagroprombank" nabatshali zimali (abantu zemvelo) Uthole isinxephezelo kusukela Idiphozithi Insurance Agency ngokusebenzisa Savings Bank, kanye zimali-osomabhizinisi ukuze sivale lapho sisilela "Ugra". Ukubukeka ohlwini ejenti emva kweminyaka emibili nje kokungena ezingeni federal - ke iyisiginali kuphawuleka ukuthi kubonisa ukuzethemba ngamaphesenti ayikhulu e-isikhungo sezezimali kwi ingxenye isimo. Phakathi nenhlekelele, lapho amabhange hamba ayinamali, nokuphathwa yabo ngokuthatha izinyathelo emthethweni ukulondoloza imali yabo, "Ugra" - ibhange, ikheli legatsha Akunzima ukuthola, hhayi kuphela ukuthola imithombo kwezimali, kodwa futhi wabaqondisa ukuqinisa isakhiwo sabo. Capital akuyona "igugile" ngenxa yesimo esinzima sezomnotho ezweni, kodwa kunalokho, anda. "Ugra" (Bank of Moscow) azigcina enendawo eqinile, kanye nemisebenzi yayo siholwa izithakazelo amakhasimende. Yilokho okwenza le sikhungo ezikhanga kakhulu zezimali izakhamuzi zezwe.