"BIN": nokwethenjelwa isilinganiso. "BIN" kule simo amabhange Russian

"BIN" yasungulwa ngo-1993 njengoba ebhange eyisithunjwa, futhi manje seliyibandla isikhungo ukuhweba ngemali yobukhulu Ngokwesilinganiso, okuyinto has a inethiwekhi ngamagatsha ezindaweni eziningi Russian. Ngo-2014 imali yayo net anda kahlanu, ukufinyelela inzuzo umholo wabantu abangaphezu kuka-69 izigidi zamaRandi (ruble ezingaphezu kwezigidi eziyizinkulungwane ezingu-3.9). Isilinganiselwa "BIN" ngokuya nokwethenjelwa, ngokuvumelana Central Bank - endaweni 20th usayizi amafa ruble 413,2 bhiliyoni.

Ukwanda okusheshayo

"BIN" Phakathi neminyaka eyishumi edlule, likhula ngokushesha, ekuthatheni isinyathelo uchungechunge amabhange naphakathi yokuqala Russian amabili. Ikakhulukazi crisis ayegcwele babonakala kwabaningi ngo-2014. I isikhungo sezezimali usezuze amafa eziningana, kuhlanganise "BIN Credit Cards" (phambilini obuwaziwa ngo "Moscomprivatbank"), "BIN Murmansk". (Igama langaphambilini - JSC "DnB Bank") kanye nokukhula amabhange ' " Ngaphezu kwalokho, u-55% amafa ukwaba okuphelele enikeziwe efanele "BIN". Isilinganiso Inhlangano ngenxa kunyuke.

Ukuthola ama-asethi nomthelela diversification we base ikhasimende, ngcono diversification lebhizinisi futhi sithuthukise isimo leqembu elihlanganisiwe ngokuya amafa: ngokwaleli Inkomba ebhange osesikhundleni lwesikhombisa yokulinganisela zonke-Russian (ku 01/04/2015), unyaka owodwa ngaphambi - kuphela endaweni wama-40.

Isilinganiselwa amabhange: "BIN"

Bomnotho sehle kakhulu uhlakaze emphemeni weemali Russian. Uma abathile bekuthola zidinga olubanzi ukwesekwa kuhulumeni, "BIN", kunalokho, waqinisa isikhundla. Ngaphezu kwalokho, i-portal enethonya Banki.ru kungenxa yempumelelo okusheshayo le nhlangano ethile uye waqaphela Bank yayo Yonyaka ngo 2014. Wayeneminyaka ngaphambi imidondoshiya ayibonwa. Phakathi kwabo, "Savings Bank", "VTB", "Gazprombank" nezinye abalingani.

ochwepheshe Foreign ikuphawulile "BIN". Isilinganiselwa abahlaziyi kusukela Standard & Abampofu sika oluhambisana elisezingeni «B». Lena inkomba kuhle amabhange ezinkulu Russian, khomba futhi amandla, nezingozi ezithile esivela umnotho kwesifunda. Okunye izinkomba:

• indawo yesithathu phakathi amabhange enokwethenjelwa kakhulu kwezohwebo eRussia (04.01.2015).
• nenzuzo 10 (01.04.2015).
• 18 th ku simo "Interfax-100" (ikota 1st 2015).
• 27 ubukhulu nokulingana dolobha (04/01/2015).

Isibikezelo sezulu sezinsuku abahlaziyi '

Ukuthola izimpahla abalulekile, wathi ngonyaka odlule, ziwumthwalo ezithile izingozi. Bank abahlaziyi uqaphele ukuthi "BIN" wukwenza ezingosomathuba nabanolaka ngesikhathi esifanayo. It zingavezelwa izingozi eliphezulu ukuhlanganiswa, banikezwe babebaningi kakhulu amafa abeyizuzile futhi izinhlelo ithuba lokuba sandise ibhizinisi ezimweni ezisebenza okwamanje enqabayo ngoba amabhange eRussia. Phakathi naleso sikhathi, isakhiwo wahlukana ngaphakathi iqembu kungaba ngokwanele ongumphelelisi nomunye bese bakha inhlangano kuyoba umdlali eqinile emakethe nge esitebeleni eside yebhizinisi kanye nekhono namandla ukwenza izinzuzo.

Isici omuhle ukuthi izimpahla atholwe zivumelana isu eside ukuze uqinise isikhundla emakethe "BIN" ingxenye okudayisa nokwahlukana kwezimboni iphrofayela yebhizinisi. Ngenxa asanda kuluthola amafa yokuma inkampani ingxenye imali okudayisa evela kumakhasimende ngcono. On 01.04.2015 "BIN" kule simo amabhange Russian ngokwemigomo yalo inkomba senzeka 7th. Ngaphezu kwalokho, inkampani wakwazi bakwazi ukungena kwimakethe yokuphehla eziningana izifunda ezibalulekile Russian. Esikhathini esizayo, inethiwekhi igatsha ngeke Inani 450 amaphuzu yedivayisi yokuthengisa ezifundeni angaphezu kuka-60 ekupheleni 2015 kulandela ukuvalwa kuhlelwe zeminyango ukungasebenzi kahle.

nokwethenjelwa Isilinganiselwa

IA BankStars phezu imiphumela yokuhlaziya okusheshayo kwezitatimende zezimali babelwe PJSC "BIN" ukuthembeka sohlelo "eyanelisayo". Ngokusho BankStars, isikhungo libhekene ingozi ngokulinganisela ezizenzakalelayo ukufezakalisa iimbopho abakweletwayo futhi izimali zabo emabhange. Nokho, ukuzinza ibhange ozwelayo ukuthuthukiswa emibi isimo.

zezimali

Ngokusekelwe ukuhlaziya isakhiwo balance sheet of PJSC "BIN", isilinganiso ejensi zezimali BankStars ukalwe njengoba ngokulinganisela eliphezulu. Iziphetho zisekelwe izimali esishubile imali kanye ku-akhawunti asebhange wamanje kanye neqembu amabhange afana ngokuya amafa. Inkampani liyakwazi ukuqinisekisa ukukhishwa ngesikhathi esifanele senzuzo ukubolekisa, imali uma ukuqaphela okungenzeka lwesigameko ukucindezeleka.

ofeleba

Ngonyaka we-2014, ukwanda esibekiwe ezingeni ofeleba leqembu sezimali 13,05% ngenxa anda nokulingana, kuyilapho ekunciphiseni ivolumu impahla PJSC "BIN". Isilinganiso ikhono ukuze sivale lapho sisilela ukulahlekelwa engaba esimweni ukucindezeleka zimo izimali siqu kulinganiselwa njengoba ngokulinganisela eliphezulu.

Izinga iphothifoliyo loan

Ngokwalo mbiko, ivolumu imali esalele emuva "BIN" ku 01.01.2014 zaba RUR 3.623.610.000. (2.63% we iphothifoliyo), ukwenyuka ngo-December 2013 kuya ku-RUR 189.61 million. Ukulungiselela Isikhathi ukulahlekelwa kukhuphuke ngo RUB 156.140.000. futhi wenza ukubika usuku RUB 5.752.920.000. (4.17% we iphothifoliyo). Kwakheka yasebhange izinqolobane silahlekelwe kungenzeka ukuthi ubhekene nenkinga yezimali ukumboza ukubolekisa sekwephuzile zamanje nge Coefficient 1.59. Ngosuku lokubika kuphothifoliyo loan libhekene isabelo mncane.

nezici ukukhula

Indawo kule simo "BIN" phakathi izimbangi / kozakwethu abathintwe lezi zinto ezilandelayo.

omuhle:

• ukwanda ikhasimende base kanye share elandayo emakethe;
• ukwesekela okuqinile ngesimo dolobha imijovo kusuka bamasheya;
• nokwahlukana kwezimboni imithombo yendalo.

ezimbi:

• ebuka kakhulu izingozi kwempahla ezihlobene ukuhlanganiswa-labawatfolile esifundvweni 2014, futhi iqhinga letuthuko nolaka;
• inzuzo amandla imisebenzi, ikakhulukazi ngenxa ukusebenza ezibuthakathaka iphothifoliyo imali okungaphephile okudayisa, basengozini enkulu;
• okwehlisa ukukhula komnotho omkhulu nemibandela yokusebenza enqabayo kuwo wonke amabhange eRussia.

bamasheya Okukhulu

Kulindeleke ukuthi bamasheya ezinkulu - M. O. Shishhanov MS Gutseriev - ngeke ukusekela ukuthuthukiswa "BIN" futhi unikeze dolobha anele ukufeza wokuvelela ukukhula okuhloswe. Ngo 2011-2014 benza ukumnika njalo capital: ruble 16.3 billion ngonyaka dolobha uqimba 1 futhi ruble 3.9 bhiliyoni enhlokodolobha Tier 2.

Amafa Shishkhanov Gutseriev kanye nemikhakha non-yasebhange, njengoba wonke abe umphelelisi ibhizinisi "BIN". Ikakhulukazi, zempesheni zabantu kanye nezimali izinkampani zomshuwalense okungewakho wezimali Shishkhanov anganikeza ukusebenzisana, ukunikela amakhasimende isevisi olunzulu, ukunika amandla ukwandisa base ikhasimende.

Yimali futhi inzuzo PJSC "BIN"

Isilinganiso Ikhredithi dolobha nomholo libhekene njengoba ngokulinganisela. Yimali inikezwa ngokuyinhloko infusions bamasheya nokulingana. izinkomba Ukuhlolwa njengoba ngokulinganisela esekelwe izibalo ukuthi RAC isilinganiso ngaphandle kucatshangelwa izichibiyelo diversification lokuhlushwa izingozi kuyoba mayelana 5.1% ngonyaka olandelayo izinyanga 18-24. Lokhu umhlahlo incike okulindele ezilandelayo:

• Ukwanda yezimpahla 34% ngo-2015 ngenxa sokuhlanganiswa loMfula "ukukhula" futhi "BIN Murmansk" (14%) kanye nokukhula organic (20%).
• Capital umjovo ruble 10 bhiliyoni. ngo-2015, naphezu kweqiniso lokuthi ruble 6 billion sezivele wathola ngo-Ephreli.
• inzuzo etholakale (1.5 bhiliyoni) ngokusebenzisa Ukukhishwa izibambiso entsha ukuze uqhubeke "BIN Murmansk".
• Capital uzuza okubangelwa ukuqashelwa kokuqala iqembu kwempahla "UKUKHULA".
• Ukuncipha enetheni isithakazelo margin kusuka 4.3% ngo-2014 kuya ku-4% ngo-2015 ngenxa yokwenyuka uxhaso izindleko lokuncintisana kule Russian yasebhange wemboni.
• ukungakhuli Net - mayelana 3.5% ngo-2015-2016, uma kuqhathaniswa nabangu-2.1% ngowezi-2012-2014 (isilinganiso value) ngenxa Ukuwohloka isimo somnotho.

amathemba

Ngo-2014, ukufinyelela ku "BIN" ukuze uvikele amakhasimende ezinkampani iye yathuthuka kakhulu. He is inhlangano yezimali yangasese, ngakho ngokumelene naye azisebenzi unswinyo US nabalawuli kanye European Union (njengoba kuqhathaniswa amabhange ezinkulu Russian kahulumeni). Ngaphezu kwalokho, ubukhulu elandayo 'BIN "wamvumela ukukhonza amakhasimende emikhulu. Ngenxa yalokho, inkampani iye ukhangwa eziningi izinkampani ezimele kanye nekahulumeni njengoba ababoleka kanye emabhange, okwaphumela nasekuqiniseni ikhasimende yayo base. izingozi uwukuboleka amaqembu okuhlobene ahlolwa njengencenye ngokulinganisela: share imali ukuze amaqembu ahlobene zaba mayelana 2.6% we iphothifoliyo loan (31.12.2014).

Esikhathini esiyiminyaka 2015-2016 GG. ubona ababuthakathaka inzuzo "BIN" Izinkomba ezivela imisebenzi ngenxa elindelwe ukusebenza buthaka izingxenye okungaphephile ukubolekisa okudayisa namakhadi wesikweletu. IMITHETHO imisebenzi yokusebenza ngo-2014 kwaba negative ngenxa izindleko ezinkulu ukudalwa izinqolobane of "BIN Credit Cards", aluthola ngonyaka odlule.

Isici omuhle - inhlokodolobha zokulawula "BIN" isekelwa loan subordinated in inani ruble 12.7 billion. On 01.04.2015 inhlangano dolobha isilinganiso kwaba 13.2%, okuyinto siphezulu kunamanye ubuncani 10% esabekwa Regulator.