"PSB": nokwethenjelwa isilinganiso

Abantu abaningi baye bezwa lenhlangano yezezimali ngaphansi kwegama "Promsvyazbank". Isilinganiselwa we amabhange engcono eRussia liwubiza omunye enokwethenjelwa kakhulu. Futhi kuyiqiniso. Nokho, kufanele bakutshele okwengeziwe le nhlangano futhi konke eza kuye.

ulwazi olujwayelekile

Kuphi ukuqala, ukukhuluma okunjalo isikhungo credit ngokuthi "Promsvyazbank"? Isilinganiselwa - into yokuqala ukuthi labo abangase babe abathengi unesithakazelo, futhi lokhu kubalulekile, kodwa zisuka nje - a amazwi ambalwa mayelana inhlangano ngokwayo.

Ngakho, ibhange Russian iyimfihlo. Isihloko sakhe egcwele sifundeka kanje: "." "Public Joint Stock Inkampani" Promsvyazbank Ngokuvamile, usengayibona isifinyezo - PSB.

Uma ukholwa ukuthi ulwazi olusemthethweni, le amakhasimende base ebhange siqukethe cishe 100,000 amabhizinisi nabantu ngabanye abayizigidi ezimbili yangasese. It has kuka 300 yokuthengisa Izitolo futhi cishe 8500 ATM. Plus - 200 ezikhumulweni self-service. Amasevisi balelo bhange ezihlinzekwa 88% wendawo WaseRussia. Yini ebaluleke - inhlangano amahhovisi ayo e-Ukraine, Kazakhstan, India, China ne Cyprus. Eminyakeni emithathu edlule, uvule ihhovisi eSwitzerland, futhi ngisho amapulani ebhange ukuqala umsebenzi eChina, uma sikubeka ngokuqondile, eHong Kong.

Umlando omncane

"Promsvyazbank", okuyinto isilinganiso eliphezulu kakhulu owawuseJudiya eMoscow Meyi 12, 1995. Ekuqaleni, le amaklayenti lenhlangano babe nezinkampani zokuxhumana. Kodwa kwakhula ngokushesha, ukuze esikhathini esizayo esiseduze (ingakapheli iminyaka 3), ibhange eyenzekile yayo phakathi namashumi abahamba phambili ngokuya ngezinqubomgomo amafa. Futhi ngo-2005-ke wasukuma ukuba 15 endaweni th. Kusukela ngaleso sikhathi kuqhubeke, "Promsvyazbank", ogama isilinganiso ikhule kakhulu engaphezu kwengu-10 esikhungweni sezimali, sekuqalile ukuthuthukisa izikhandle kakhudlwana ekufuneni. Waqala iphenduke "jikelele" inhlangano. Kakade ngo-2007, kwadingeka lichaze ukuthi amaphuzu yayo ukudayiswa izindawo 100 e-Russian Federation e.

IBhange uthandwa kangaka ukuthi ngo-2005, ngo-September, inhlangano Slovenian ngokuthi i-Nova Ljubljanska Banka usezuze share yayo inani 7.69%. Nokho, ngemva konyaka umnikazi wathenga le ngxenye emuva. Futhi emva kwesikhashana 15,32% kakade ngokudayisa enhlanganweni ngesikhathi Commerzbank. Futhi ngo-2007, PSB uyekile abe inkampani isitokwe ngokuhlanganyela, isimo ukuze JSC.

Kodwa okuthakazelisa kakhulu - ukuthi wangena amabhange top-zibalwa phakathi kwe-2009 crisis. "Promsvyazbank" isibe omunye enokwethenjelwa kakhulu e sihlanganisa lonke izwe laseRussia. Muhle kule top wathatha endaweni yesine.

amafa

Ngokwezinga elikhulu kahle kanjani ibhange kunqunywa inani nevolumu kwemithombo. Yikuphi, empeleni, wokuthi iyigugu. Ngokwesibonelo, cabangela izinkondlo, ibhange ngokuthi "Elbin." Lutho neze wezwa ngakho kakhulu. Yini akusona isimanga, ngoba phezu 549th, indawo yokugcina kule simo amabhange Russian! Futhi izinto zayo (izinsiza efanayo) kuyinto 830 750 thous kuphela. Ruble. Hhayi kakhulu, uma sikhumbula ukuthi ukulingana we Savings Bank, is ukuba ngokuphelele wonke umuntu okuyinto okwaziwayo 3.2 trillion. Futhi amafa nakakhulu - 27,3 isigidintathu! Isibalo kunzima ukuqonda ukuthi yini. Kodwa ngokwanele kuphela ukusho ukuthi - ayizinkulungwane 27,3 bhiliyoni izikhathi. Umxhwele? Qhubekela phambili.

fa okuqinile futhi inama "Promsvyazbank", indawo sohlelo okuyinto elayinini 9 (kusukela ngomhla ka-November ka lwamanje, 2016). amafa Ezazimzungezile - 1.2 trillion. Equity - 123,44 bhiliyoni. Futhi lezi zibalo lizophumelela nakanjani ukujabulisa. Futhi iqiniso lokuthi ingxenye enkulu lezi zimali yakhiwa izimali kanye namakhasimende inkampani utshalomali - ubufakazi engcono ukuthi linokwethenjelwa.

izindaba

Akumangalisi sohlelo "Promsvyazbank" ngokuya nokwethenjelwa kuphezulu. Iqiniso ukuthi kuhle, okubonisa ngokoqobo konke. Ngokwesibonelo, cabangela izinkondlo, izindaba zakamuva, eyabonakala ekuqaleni Disemba 2016. Yabe seyaziwa ukuthi "Promsvyazbank" owake wangena yisikhungo sezinhlangano eziphambili zezezimali phezulu amathathu ingxenye ekhethekile. On imiphumela yamemezela Frank Research Group. Kuyinto inkampani ehamba phambili ucwaningo emkhakheni yokuhlaziya kwezinkonzo ezingokwezimali.

Kungcono ukwazi ukuthi kunakwe izinga lenkonzo futhi izinga kuhlola kwekusebenta kubukwe amasevisi ebhenki akude, ezihlukahlukene izinzuzo, iziphakamiso utshalomali nezinye zindlela. Inhloko yomnyango emsebenzini namaklayenti abacebile ngokuthi 'Promsvyazbank "ligxile ingxenye premium kanye nokuthuthukiswa kwebhizinisi isiqondiso. Futhi ngenxa yokuthi abantu siyazisa kangakanani inkonzo siqu, nakuba ngesihle usebenzise imigudu akude, inhlangano yanquma ukuvula indawo entsha ngabo. Ngo-2017 sihlelwe ukudala kubo kwamanye amadolobha Russian, hhayi kuphela eMoscow eMoscow Region.

ezithakazelisayo ukwazi

Ukukhuluma sohlelo ibhange "Promsvyazbank" ngokuya nokwethenjelwa, ngingathanda ukuthi hhayi kudala, le nhlangano iye abe owawina indondo ebizwa umkhonto'S Russia Wealth Management Imiklomelo. Lona leli qiniso elibalulekile. Njengoba lo mkhosi umklomelo esiqhutshwa njalo ngonyaka, unikelwa abameleli best of yasebhange yangasese, ogama imisebenzi axhunyiwe wokwengamela esiningi dolobha.

Lo mklomelo kuyinto ukuqashelwa yangempela ukusebenza nempumelelo kwenhlangano. Futhi isiqinisekiso izinga labo eliphezulu nobuchwepheshe.

zenzalo

Shono ezifana njenge nkampani "Promsvyazbank", isilinganiso Central Bank ubeka phezulu eziyishumi engcono. Le nhlangano kuthatha ukunakekela hhayi kuphela amaklayenti abacebile, kodwa futhi nabo bonke abantu baphendukela kuye amasevisi. Muva nje, isibonelo, "PSB" uye wanquma ukunciphisa zenzalo ubhekene nenkinga yezimali. Amabhizinisi amancane, sebekulungele elilingana 9.4% kanti isilinganiso - 8.3%. Ukuze uqhathanise, omunye amadili imali eningi kakhulu Savings Bank - a "Ibhizinisi-Invest", futhi amazinga yakhe yonyaka ezisukela 11.8%. Ukubheka umehluko kuyacaca: abaphezulu iphini likamengameli "Promsvyazbank" tye ethi inkampani yabo linikeza izimo best emakethe yezimali for osomabhizinisi.

Umsebenzi nabantu

Abantu abaningi banesithakazelo: ukuthi indoda "Promsvyazbank" ngokuya amasevisi anikezwa ukuba izakhamuzi ezivamile? Noma kunjalo, akubona bonke abantu ezweni lakithi abantu abacebile noma umnikazi webhizinisi. Nokho, futhi asebenze nabantu, inhlangano kuphumelele.

Njengoba isibonelo, cabanga le sevisi ngokuthi "amaphesenti okuqinile." Kuyazuzisa abantu abafuna ukutshala kwenye imali yakho futhi inzuzo. Ukuze umuntu ukuvula i-akhawunti yena ubeka ethile isikhathi esithile. Ukukala - 8,25% ngonyaka. Okuningi kungenziwa wanezela 0.25% - esimweni uma umuntu aba ngumnikazi wayo isevisi uhlelo Orange Premium Club noma "Yakho PSB Premium".

Ake sithi iklayenti unqume ukuvula idiphozi "amaphesenti Esinokwethenjelwa", bangakunaki ngokubeka ruble esigidini. Ekupheleni ethemini (1 unyaka), uyakwamukela lokhu imali emuva, kanye inzuzo ka ~ 83 000 k. Futhi uma ukutshala okuningi? Bese senza uthole imali enhle yekwentiwa.

mortgage

Isilinganiso Ikhredithi "PSB" - i sihloko ezithakazelisayo, ngakho-ke kuyadingeka lokumba ke. Namuhla uhlobo ethandwa kakhulu yokuboleka le mali - a mortgage. Futhi abaningi ingenzele it in the "PSB". Kungani? Futhi ngenxa yokuthi inhlangano inikeza izimo ezikahle.

Ungathenga efulethini ukwakha isakhiwo esisha, ukuthatha mortgage at 10.9%, ngisho ne yesibonelelo sikahulumeni. Ziyini izinzuzo? Okokuqala, izinga kushiwo isebenza lonke elithi loan, kodwa uma abantu izosebenzisa amasevisi lwabakhi abalingani. Okwesibili, inkokhelo yokuqala kuyinto% 20 kuphela. Lokho, uma umuntu efuna ukuyibuyisa ngokuyithenga futhi efulethini studio ngoba ruble kwezigidi ezimbili, lapho kuyodingeka bakhokhe ekuqaleni 400 000 kuphela. Okwesithathu, iBhange ayikhokhisi imali eyongeziwe izocubungulwa loan futhi inikeza buyiselo ekuseni ngaphandle izinhlawulo kanye imikhawulo.

Futhi inzuzo ebaluleke kakhulu - izidingo esobala futhi ambalwa kwikhasimende. Ubuzwe kufanele kube Russian, ubudala - kusukela engu-21 kuya kwengu-65 ngosuku ukubuya. Ndawo yokuhlala noma unomphela umsebenzi - futhi Russia. Umsebenzi nakho - okungenani ngonyaka. Futhi indawo yokugcina - izinyanga 4. Sozaomschika kuvunyelwe ukuzibandakanya, kodwa kungaba umlingani esisemthethweni (umyeni / unkosikazi). Futhi uma umuntu ethatha loan, akuyikuba kuncike isikhalazo. Yilokho. Imigomo kulula ngangokunokwenzeka - lena isizathu esiyinhloko esenza abantu abaningi ingenzele mortgage uku "PSB".

ekugcineni

Futhi njengoba kungobunye ubufakazi ka nokwethenjelwa "Promsvyazbank" ngifuna ukusho ukuthi ehlobo Ngokuhamba kwalo nyaka, yasebhange ye-intanethi le nhlangano liye waqaphela njengoba best sihlanganisa lonke izwe laseRussia. Kwakuba nezifundo ezinjena olwenziwa ngaphansi igama likamagazini Global Business Outlook. Le ncwadi yebhizinisi ngonyaka ulungiselela emcimbini ezigabeni ezindaweni ezihlukahlukene umsebenzi ibhizinisi kwezomnotho. Futhi yasebhange ye-intanethi PSB ubelokhu eqashelwa njengoba enokwethenjelwa kakhulu futhi engcono. Phela, isetshenziswa njalo ikhasimende wesine kwenhlangano.

By the way, maphakathi nonyaka ka-entwasahlobo ka kulo nyaka, PSB wethula abantu yasebhange entsha inthanethi. Izinguquko zabhekana nje kuphela ukuklanywa kwayo, kodwa futhi okuqukethwe. Kungezwe izici ewusizo, futhi imisebenzi ethandwa kakhulu ukuthi amakhasimende sebenzisa avame litholakale okukodwa kuphela.

Ngokuvamile, njengoba kungabonwa, PSB ukuthembeka ubufakazi, kunezindlela eziningi. I ezisobala kakhulu - silingana amafa kule simo Central Bank. Oh, yeka yilokho, futhi akukho kungabaza la maqiniso.