Bank "Ugra": matambudziko. Bank "Ugra": wongororo

Kubhengi "Yugra", matambudziko akanga chete pfupi, akaonekwa kuma1990. Pamisika mari mabasa sangano yakabudirira achibudirira apfuura makore 20. Musiyano mukuru pakati zvebhizimisi - yakanaka uye yepamusoro basa, yakashongedzwa ndandanda mabasa zvemari uye zvigadzirwa kuti rukuru zvokunyama uye kuvaka mabhizimisi avo. Banking kambani iri pamutemo ubatanidzwe pamusoro KURUMIDZAI gadziriro, iyo kare kutaura ukuru akavimbika uye professionalism. High chinzvimbo chinosimbiswa mano kubhadhara aine mubhengi dzakawanda-mhando mashoko hutachiwana, zvichibatanidzwa.

Nzira utsanzi

Kubhengi "Yugra", wongororo izvo vakawanda zvakanaka muna 2013 akanyatsosiyana zvakachinja mutemo mabasa. Utungamiriri itsva akasarudza nzira utsanzi, uye akagadza kujairika achishingaira kukura itsika. Nhasi, tsika zvemari kunogona kunzi kadhi sangano kwose batana chinzvimbo. Basa rinotarisa pakagadzwa akasiyana-siyana zviri pamutemo makambani nemasangano uchishanda zvakasiyana zvikamu hwenyika. Vagari anokwanisa vabatsirwe itsva ruzivo basa uye mukana kushandisa yepamusoro rwezvemabhengi mabasa. Chikuru twa, inomira kubhengi "Yugra" (St. Petersburg) kubva makwikwi - ndiwo vatengi. Created mamiriro ezvinhu akanaka nokuda kungoreva zvinobatsira uye zvibereko Kudyidzana. The chikuru basa makambani mari - ari kushingaira kukwidza mari mu zvido vatengi uye shareholders.

Temporary nematambudziko 2013

Kubhengi "Yugra" dambudziko raiva chete kwenguva, uye zvino vava kare shure. With pamatambudziko nawo 2013. Pasinei chokwadi kuti tsika zvemari iri pamusoro 200 mabhanga Russian panyaya guru, iyi yave kwenguva akarembedzwa mipiro. Panguva iyoyowo nayo akashuma kuti zvinokwanisika sezvo pedyo huripo mupiro uye kuzvizadza nayo. Vashandi mari masangano kunge akaomerera kuti chikonzero chebasa kukundikana, uye rekukwazisa oparesheni wegadziriro ichadzorerwa, murau Tinoenderera mberi.

Depositors vhunduka - yakarasika mubereko

Vanoita uyo Akatya, akatanga rinooneka yokubva deposits dzavo, vakamhanyira kugumisa makondirakiti. An dzinonakidza ndechokuti hapana pokumbononotswa vachibhadhara haana, uye "Ugra" kubhengi deposits nevanhu akaripira zvakakwana uye maererano zvibvumirano. Vanhu vakarasikirwa kufarira nokuda mufaro, kunyange chokwadi hapana zvinetso zvakakomba havana. zvemari Masangano basa rave rakadzorerwa kutevera shomanana. The chete "asi" - zvinoderedza mubereko prices pamusoro deposits mushure resumption kuti functionality.

Chii chakaita nematambudziko pfupi?

matambudziko Temporary nezviduku nechinouya vasangana uye vanoita, uye kubhengi kuti utariri, vave kunokonzerwa ane unscheduled cheki yacho Central Bank. Vamiririri mvumo nezviremera vaifarira prices pamusoro deposits, iyo panguva iyoyo yaiva kupfuura pamisika yemari mudzimba. Maererano nenhamba, vakawanda mabhanga kuti kupa inflated prices pamusoro deposits, kusangana nematambudziko emari uye vari vava kuda kubhuroka. Kurera mari kuti makambani ari akanaka okuti - chinhu kupfuura kuedza kugara yerera. Izvi ndizvo zvinofadza regulators. Ongororo yakaratidza hapana nhamo dzemari. Kubhengi "Yugra", nyaya akanga ukama kungotaurwa zvakonzerwa odhita zvawanga kurumbidza kuti kuderedza uwandu vakagamuchira mipiro uye murayiridzo panyaya achideredza chimbadzo. sangano paakasangana pakarepo.

Digital nhamba

The Kusimbiswa kuti "Ugra" (kubhengi) deposits akakwezva kwete nechinangwa awedzere pamberi kusauka, asi chete mukati kuumbwa kwaro mutemo, paruzhinji mishumo zvakagoverwa, izvo Akakwezva regulators. The ndechokuti urongwa mari zvichitevera kuitwa itsva mabhizimisi nzira vakatanga kushingaira chokuwedzera ayo chikwereti Portfolio. Nemhaka itsva nokushambadzira chirongwa, akakwanisa kukwezva deposits pa mabhiriyoni 18 rubles romwedzi wokutanga, uye mabhiriyoni 20.5 yechipiri. The chikwereti Portfolio yakawedzera kusvika 1.6 nguva. "Ugra" (kubhengi) deposits kupa zvakanakisisa, asi haisi kutaura kugara vava kuda kusauka, asi zviri anoratidza hasha nomutemo uye chido kukunda zvemari musika weRussia.

Kuchinja shareholders vakaenda chete vanobatsirwa

Pakazosvika 2012 shanduko shareholders. Varidzi pakagadzwa vava panguva 6 vanhu vari sezvo chinangwa kuisa pachako achipinda pamusoro "100 mabhanga Russian tichitaura guru." Panguva kuchinja vaiva reserves kuti kubhengi aiva "Ugra", iro wongororo vaiva yakawandisa zvakanaka matauriro, aiva rubles mabhiriyoni mana. Rakanga aronga kusimudza mufananidzo kune mabhiriyoni 7-10 rubles. Yesangano ane pamwero bhiriyoni 27.3 rubles vakaronga kuwedzera mabhiriyoni 50 rubles. Nokukurumidza pashure shanduko shareholders iri nhau yakati kuwedzera mvumo guta kusvika mabhiriyoni 6.17 rubles. Zviitiko zvose izvi pamhemberero mitatu pamberi musi apo tsika zvemari akateerera zviremera August.

nhoroondo anodzokorora

Zvisingatarisirwi macheki akaita vangasimudzira kushandura mitemo yacho kubhangi. Kufarira rate pamusoro deposits vava kubva 12.4% kusvika 6,5% chete annum nokuda Ruble deposits. Rate mavanga kwakaitika pamusoro dzimwe mari deposits. Kare kubhengi "Yugra" (St. Petersburg) akapa 7,9% chete annum, nhasi rinopa hapana kupfuura 2-3%, zvichienderana pasuru. Kuwedzera akawira mubereko rates, chirongwa ukapfigwa pasi akakurumidza akadana "Mobile Summer", ndoupiko unonyanya kwazvo zvinobatsira mune musika mari. Central Bank of Russia aiva nekodzero kurambidza zvinokubatai deposits, asi aihuitira chete kudzivisa. Munhoroondo yose ivepo, Central Bank ave achishingaira vachirwira richikwidibira prices somugumisiro pakupunzika iri mitengo. Maererano vamiririri veruzhinji mabasa, tinosvika kuna mamiriro ezvinhu inopa mikana itsva vokubhengi kunotsvaka liquidity chokuita. matanho akadaro vanobviswa pamusoro "Sotsgorbank" uye "Stroykredita", iro chakamboti akamira kubvuma deposits panguva yokuedzwa uye hwakabatana rwokugadzira matambudziko.

Chii vanoti kasitoma wongororo?

Kubhengi "Yugra" (St. Petersburg, Moscow) anozivikanwa kuti vatengi somumwe vatungamiri vari rwezvemabhengi zvekutepfenyura. Maererano depositors, tsika zvemari inopa yakakura mazita mabasa akasiyana-siyana uye kugutsa zvizere zvido kunyange zvakawandisa vatengi. Vaya vakasarudza kushandisa inopa pezvivako zvemari kuti murege kurega kutaura hwomutambarakede Panodyidzanwa format. Tiri kutaura akawandisa matavi uye ATMs vazhinji achangobuda ruzivo, hunoita kuti aite chero oparesheni nokukurumidza sezvinobvira. A pachena chinoratidza vakawanda Kudyidzana inonzi zuva mubereko pamusoro deposits, iyo inobatsira maximize ari profitability okupedzisira. Kubhengi "Yugra" nezvinetso kwenguva pfupi hunhu akakunda nyore. Its yakakwirira pamwero rakavimbika ndechokuti zviri anenge lossless vakapona dambudziko 1998, 2008.

kuzivikanwa nehurumende

"Ugra" (Bank of Moscow) kwave kuchizivikanwa kwete chete vakawandisa vatengi, asiwo kune mamiriro. Deposit Insurance Agency anoriisa pachigadziko sandara pamwe mumari Bank of Russia. In simbiso chokwadi ichi tinogona kutaura kuti mushure kushaya ari rezinesi "Tyumenagroprombank" vanoita ayo (dzinongoitika vanhu) vakagamuchira muripo kubva Deposit Insurance Agency kuburikidza nemari Bank, uye vanoita-Entrepreneurs kuripa "Ugra". The kuwanika pamazita nevamiririri chete makore maviri tapinda yeUnited chechetere - chinhu chinokosha chiratidzo chinoratidza zana muzana nechivimbo tsika dzemari kudivi ehurumende. Munguva dambudziko, kana mabhanga kuenda kusauka, uye kutarisirwa ravo riri kuendesa zvisiri pamutemo matanho kuponesa mari dzavo, "Ugra" - kubhangi, kero bazi iri nyore kuwana, kwete chete kuwana manyuko mari, asi akavatuma kusimbisa maumbirwo yavo. Capital haina "kusakadzwa" nokuda akaoma zvoupfumi ezvinhu munyika, asi nekusiyana, vakawedzera. "Ugra" (Bank of Moscow) anoramba ane simba chinzvimbo, uye mabasa ayo vanotungamirirwa zvido vatengi. Ndizvo zvinoita ichi chinonyanya kukwezva zvemari sangano kuti vagari venyika.