"AyManiBank": iingxaki, ukukala, izigxeko-ncomo umthengi

"AyManiBank" ingxaki leyo eyenza ukunganeliseki ngakwicala ipesenti ethile abathengi, kude kube kutshanje wayesaziwa kuphela Gorno-Altaisk. Kule minyaka mibini idlulileyo kwiziko lemali iyasebenza, nto leyo evumela ukuba aye kwinqanaba federal kwaye belingana kunye neebhanki likhulu kweli lizwe. Okwangoku, uthungelwano isebe siquka ofisi 31 kwiindawo ezahlukahlukeneyo eRashiya. Institute of Finance isebenza kuphela nabantu ziyafumaneka uluhlu olubanzi lweenkonzo. Phakathi zindululo kukho iidiphozithi irenti iibhokisi imali ekhuselekileyo, uluhlu olubanzi yeemveliso zemboleko. Le nkonzo ezithandwa kakhulu, nto leyo utsalela ingqalelo kwiziko njenge "AyManiBank" eSt Petersburg kunye neminye imizi yelizwe - oko mboleko auto.

Imbali ngaseludinini

ibhanki Basic lokuvula kwiziko efana "AayManiBank" ingxaki elo angawaconganga ngexesha lokudodobala kwezoqoqosho, akukho mntu ukuvulwa ngo-1992 "Altayenergobank". ibali lakhe yaphela ngo-2013. Ngeli xesha kwihlabathi zemali ngenxa kwakhona lwentengiso kunye "AyManiBank" livela. Kumanqanaba okuqala "Altayenergobank" ibonelela ngeenkonzo kuphela ngaphakathi kummandla efanayo. Ukususela kwiminyaka yee-2000, ulawulo yeziko lithathe isigqibo esinzulu ukusirhoxisa kwinqanaba federal. Ukususela ngo-2009, i-Institute ungena uluhlu lwe iibhanki 500 aphezulu kweli lizwe. Emva kokuba rebranding, ubume bemali yenkampani iyatshintsha idilesi ye-ofisi ephambili, nto leyo eye ngoku safudukela eMoscow. Ngo-2013, kukho utshintsho ngokupheleleyo qhinga yophuhliso le Institute. Ukuba ngo-2012 ugxininiso iphambili kuye ngetyala yabathengi, ngoko, ukususela ngo-2013, iinzame engundoqo swi kuyilo-mboleko zemoto. Ekupheleni kuka-2014 iingxaki "AyManiBank" olungayi ukuqonda indlela ezihlangwini zakhe, ukuba sele angene uluhlu lwe top zeebhanki ezilishumi kweli lizwe nge umthamo ezikhutshiweyo mboleko yokuthenga imoto. Namhlanje, mboleko zemoto kuhlala iphambili. Kwinqanaba eliphezulu uvusiwe, kunye nezinye iimveliso zebhanki.

Uphuhliso Active mboleko zemoto

Njengoko kukhankanyiwe ngasentla, engundoqo imveliso zebhanki Institute - mboleko yemoto. Kungenxa kweli cala ikhutshwa phandle umsebenzi osebenzayo yenziwa nokumanyaniswa uthungelwano umthengisi ukuze ukuphunyezwa iimoto. Ngendlela kwakhiwa ubudlelwane ezintsha, ukwandisa uluhlu amanqaku, apho abathengi labucala ukufumana imali-mboleko. Uninzi imveliso, ngaphandle iminikelo ijolise ngabathengi abasele bephumelele mboleko imoto. Ingabonwa kuphela nje ezongeziweyo lula, zinokubanceda ngokusetyenzwa mboleko. ulawulo ingqalelo kakhulu byi zebhanki lula Iinkonzo nabathengi naphi kweli lizwe. iklayenti nganye ikhona izixhobo ezifana i-akhawunti yakho kwi-website esemthethweni Institute kunye online zebhanki "AyManiBanka" - "Mna-Cofa". ufikelelo olusisiseko kwi-akhawunti qho iphuculwe. Uluhlu lweenkonzo Internet ngendlela eyandisiweyo, amathuba amatsha, ukuphucula izinga lokhuseleko. Uthethathethwano namaqabane abatsha, ulawulo ibhanki iya rhoqo ukwandisa amathuba e nomba yentlawulo ngeenkonzo zalo, unika iindlela ezintsha ngakumbi nangakumbi yokubala. Namhlanje, imoto mboleko kwenziwa njalo Keswa ngokukhetha ngokwemiqathango ngokusebenzisa intlawulo neenkqubo njenge "Inkokeli" and "JCB", "Rapid" kunye QIWI, CyberPlat. "AyManiBank" eSt Petersburg kunye nezinye ii-ofisi zalo kweli lizwe bangamalungu "United Settlement System", eziquka kwiibhanki zasekhaya 120, ukwakha ummeli 40000th.

Ukuphonononga yomsebenzi Bank

"AyManiBank" iindawo ofisi Kulula kakhulu ukufumana emizini likhulu lizwe, kwatsala inkitha abathengi kunye neengcebiso zakhokelela ukuvela inani enkulu izimvo malunga ngentsebenziswano ne-Institute. Ezi ngcali waqhuba uvavanyo uninzi reviews, kuvunyelwene ukuba yokuba ibhange zombini ezilungileyo nezingalunganga. abathengi abaninzi ngendlela entle ukuthetha ngezinto ezahlukahlukeneyo iinkqubo mboleko zemoto. kwakholeka kamnandi kunye ukubuyiselwa imali kwi-akhawunti yebhanki kunye nokuthengwa zibe kukudla ikhadi ziko. "Nohlolo AyManiBank 'liye kuphela HIV. Kukho kakhulu ipesenti elikhulu ngabathengi ngalo igama ngokuthandabuzekayo zokuzilungisa imoto, awanyakazela ngayo ibhange intsebenziswano. Ke ukuba iidipozithi, ngokufuthi abantu bethetha iimeko entsonkothileyo ubambiswano kunye nenkqubo ngokwanelisayo oluntsonkothileyo ukubiza inzala. Ke mboleko imoto kuphela, ugxininiso iphambili kwi egqithisileyo enkulu kangangoko. Kukho abantu abaye bafumana hayi package yentengiso ethenjisiweyo, yaye Bakhubeka kwenqaba rough. Ke ukuba ikhadi "izimvo Avtokopilka 'wahlukene. Kukho iweb agents ncam ne imveliso data bank. Hayi ngaphandle amakhadi abanini ukuba zeplastiki ivalekile emva kweenyanga ezimbalwa ukusetyenziswa, kunye nazo zonke izakhiwo kuyo. Ngokutsho kwabo, CB "AyManiBank" iphakheji ezifunekayo ukunika iikopi zamaxwebhu ngenxa yokungabikho kwazo ledatha. Kwimeko intlawulo yokuqala ye-mboleko yokuthenga enjengokwala inshorensi imoto ukubuyela abonakale.

Ukulinganiswa nomfuziselo

Iimpawu zemali eziphambili ephuma "AyManiBank" ingxaki enqamla ingqumbo phezu inxalenye abathengi, nto leyo uphawu ukuba iziko mali ngamnye kuluhlu lwe iibhanki 200 aphezulu kweli lizwe. I zebhanki portal inkulu Banki.ru, uvavanyo kubathengi iibhanki ', njengondwendwe le projekthi, banikwe indawo yeziko kumaziko zemali ezilishumi aphezulu kweli lizwe ngenxa rankings kazwelonke. Ngo-2014, i-arhente "Expert RA" iye yayiqwalasela zebhanki iziko-mali ngekhompyutha kunye enye yeenkonzo intanethi ezininzi ezisebenzayo kweli lizwe. Kunokwenziwa isigqibo ukuba amandla ka-arhente zolawulo azikhange ngelize. Ngokutsho koqikelelo Moody kaThixo, ngo-2014 ukusekwa rating isikali kazwelonke wabelwa Baa3.ru, naphezu isikali ngamazwe - B3. Ibhanki iphawulwe njengo izinzile. I-arhente "Rus-Rating" isekwaqaphele Bank njenge oluzinzileyo bawongwa kuye mlinganiselo yesizwe BBB + kunye BB International.

Yintoni abanelisekanga abathengi ibhanki leyo xa mboleko yemoto?

Ngenxa yokuba "AyManiBank" Ltd. ligxininisa mboleko emotweni, kukho inani elikhulu izimvo kwiziko yemali enxulumene nalo olu hlobo mveliso. Abantu babhala ukuba kwinqanaba wobhaliso yentsebenziswano ngaseludinini abasebenzi azisoloko ukunika ulwazi oluchanekileyo malunga ngokoMthetho mboleko. Kukho ulwazi wokutyikitywa kwesivumelwano iingcaphephe yebhanki wavakalisa ezinye ngokwemigaqo ye-mboleko, kwaye emva kokuba amaxwebhu zisayiniwe, ukuba zahluke kakhulu. Ngokumalunga izimvo wokugqibela, apha abathengi ngokwabo ukuba ityala. Abantu bezama ukulondoloza ixesha lakho, nje ungazihluphi ukufunda multi-kwemvumelwano ukuze ungene ngokukhawuleza. Oku kubangela imeko esele kwixesha elizayo, xa kufika ixesha lokuba enze intlawulo yenyanga. ukunganeliseki ngolo hlobo nje kuphela ngokunxulumene namaziko afana ne-"AyManiBank" e Moscow, kodwa ngokunxulumene nezinye iibhanki. Mu kuya kwa nshita ukubuyekeza inkampani ezimbi uyakwazi ukufumana amazwi amaninzi imibulelo ukusuka ngabathengi bawo wakhetha mboleko imoto kunye rhoqo ufezekisa izibophelelo zabo kuye.

Izicwangciso elizayo

"AyManiBank" rating leyo eliphezulu ngokwaneleyo ukuze inkoliso ayikho kangako i ibhanki eziqhelekileyo inkonzo ngokunika uncedo ekufumaneni i-mboleko yokuthenga imoto. Enye amakhono ze ebhankini - nto mboleko olubekwe yi zeenqwelo-mafutha. Ngoku kukho malunga 30 amasebe kwilizwe liphela, izicwangciso ulawulo ukuvula amasebe ubuncinane esinye 50. Ofisi ziya zibekwe ngasinye kwizithili yase Russia. Uya ngokukhawuleza nangendlela efanelekileyo ukwenza nokugcina zonke lweeklayenti ezikushishino. Kwixesha elizayo, izicwangciso ukubandakanyeka kwiziko zemali zabatyali-mali bangaphandle, nto leyo eza kuvula indlela eya ukusekwa amakhulu kwiibhanki top Russian. Le mbono iza kuqaliswa kule minyaka mithathu izayo. Kule minyaka mihlanu izayo ezicwangcisiweyo ngaphandle indawo phambili ibhanki xa ingxenye yalo msebenzi. Ukuba sikholelwa ukuba isicwangciso soshishino lwe ebhankini, ngoku apho ukusebenza phambili, kwixesha elizayo kuya kuba amaziko zemali ezanda kweli lizwe.

Ingxelo ngoMeyi 1, 2015

Iziko "AyManiBank", ogama ukuthembeka kukuba kwinqanaba eliphezulu, woba kudidi kwiibhanki Russian naphakathi kwabo. Ukuyiphi indawo 170th kwi net asethi kolu didi. NgoMeyi 1, 2015-asethi net zamaziko zemali yaba engange 22.87 billion. asethi ewonke kunyaka lenyuke nge-8.12%. ukukhula Asset yaba nefuthe elibi imbuyekezo kwi asethi ROI. Ngokutsho kwe data ye xesha olandelayo wokwenza ingxelo, ngomhla woku-1, 2015 umda zehla ukusuka 0.76% ukuya 6.63%. arhente Moody`s ingxelo ukuba iziko mali kuxhomekeke emngciphekweni omkhulu ngetyala, kwaye ngetyala kuhlala kuphantsi ngo-2015. Kukho zonke amathuba okuba ukwehlisela ngakumbi. Xa kuthelekiswa noqikelelo ka-2014, nolwathi kuphawuliwe ngasentla, le meko iye isiba mandundu. Ukuba uthelekisa umsebenzi ebhankini kunye namanye amaziko zemali kolu didi kweli lizwe, ngoko ke kunzima ukubiza i negative. Iziko zemali akukhange ukujongana kulawulo zethutyana yimali okanye inkqubo ungonakala. Ngaphandle kobunzima ukuba uphawu wonke kwicandelo zemali lonke kweli lizwe, eli ziko liye nga zalandulwa uxanduva. Norhatyazo okanye ukwehla kule manani kwisithuba 2014-2015 gg. It liya kubonwa njengento enhle, kunokuba ukungasebenzi. Phantsi nempembelelo yale ntlekele ezo beziza kweendonga, and "AyManiBank" liselikho, wayexakekile. Into yokuba iyaqhubeka ukusebenza nokwandisa uthungelwano zayo amasebe, nangona iimeko ezinzima zoqoqosho, iphucula kuphela umxhasi ukunyaniseka kwaye yandisa inqanaba trust.

Holdings

Iziko "iidipozithi AyManiBank 'umdla ekhuthele kakhulu. Oku kungenxa isixa ezininzi yezabelo kunye neebhonasi, apho abatyali-zimali ezininzi abahendwayo. Zoba ingqalelo amazinga zemali eliphezulu senzala, esisusela ekwandisweni 13,07% ukuya kwi-15% kuxhomekeke kwinkqubo. Ukunikezwa Iziko engcono yemali - yi 16.29% ngenxa idiphozithi; obonelela capitalisation umdla. Okwangoku, iziko zemali ngokufanelekileyo uzalisekise izibophelelo zalo, kunye neengxelo ezingezoze-ukuhlawulwa kwenzala okanye igalelo oyintloko okwangoku. Kukho abantu abathetha ngayo izithembiso kwiziko lemali. "AyManiBank" needipozithi yendalo lwabantu kuthatha kule mini, ulungiselele omnye umxhasi TV ekupheleni efakiweyo. Umntu ligcine utshintsho kancinane umthamo iidipozithi kunye nokwanda kuloo isixa-mali owakho ebhankini, ndaza bevele akhawunti MKB olubandakanyayo. amatyala Inzala-ezichaphazela imali ebekiweyo yeziko-mali inyuke nge-10.4%, ukusuka engange 17.4 ezigidi ukuya engange 19.21 billion.

impahla enokuthengiswa

Phakathi impahla ulwelo lwe yibhanki ephethwe yi ndlela kamsinya kangangoko kunokwenzeka njani kuguqulwa imali ukubuyela abagcinisa zabo ukuhlangabezana ngokupheleleyo nezibophelelo zawo. Kwamatyala - licandelo kukuthembeka. Kwamatyala asethi lubonisa ukuba ngenyanga gqbl rekdiwe utshintsho umthamo izibambiso engamanzi kakhulu, ephawulwe ukunyuka yimali ekhoyo yebhanki akhawunti ka-Russia. mboleko zizodwa wande, engamanzi kakhulu asethi, kuthathelwa ingqalelo ngezaphulelo akhawunti kunye uhlengahlengiso ziye zatshintsha nomfuziselo engange 4-01 billion ukuya engange 9,78 billion. Ngeli xesha lokunika ingxelo yokugqibela "AyManiBank" iidipozithi abantu bendalo banda izihlandlo eziliqela, nto leyo sikhatshwe kukwanda amatyala kubathengi. Ngaxeshanye, kunyaka ophelileyo yeziko zemali ngokunxulumene nemeko yezoqoqosho ezazikho kweli lizwe, nencindi imali kulo nyaka linyukile ukusuka engange 1,08 billion ukuya engange 1,75 billion. Ukuthelekiswa ulwelo-asethi eyi-capital outflow ivelisa ratio 558,26%. Kubonisa nesilinganiso ogqwesileyo ukhuseleko, onako ukulwa ezinkulu outflow of capital, kunokuba lowo uthatha ndawo khona ngoku.

UPawulos

Ukuhlola imeko with "AyManiBank" ebhankini (ncomo, ukulinganisa statistics), iingcali wabhekisela kudidi yeziko zemali ngokunxulumene kumaziko ethembekileyo. Kucetyiswa ukuba utyalo-mali, kodwa imali ngaphezu inshorensi enikwa zii-arhente inshorensi idipozithi kwi mali esizigidi 1.4 engange. Ukunciphisa okurhafisa Moody, kunye nembonakalo ixesha elide elibi, ebandakanya wonke, nto leyo eyabangela badyuduzele abagcinisa, kube ngaphantsi yokwenza imisebenzi ibhanki leyo kunye naloo meko yezoqoqosho eliye lakhula namhlanje kummandla Russia. ibhanki ngokwayo yancitshiswa nje umthamo mboleko zemoto ezikhutshiweyo, kodwa akazange uyephula imithetho kwaye liyaqhubeka ukwenza rhoqo ngaphandle zonke izibophelelo zalo kubathengi. Izizathu inkxalabo abatyali ongekhoyo namhlanje, yaye inkoliso ngetyala bobabo-arhente inshorensi idipozithi. abatyali balumke akukhuthazwa ukuba enze iminikelo ngenxa yokuba xa kuthe inkqubela egwenxa kwemali zabo emkhenkceni nje. Ngokuphathelele iimpendulo yabathengi, bafumana kuzo ebezintle nezo zingentle. Njengoko kunjalo kunye namanye amaziko yezimali zeli lizwe, ukwanelisa iimfuno wonke umntu akunakwenzeka. Ngaphezu koko, abantu ngokwabo ngenxa ukungakhathali kwabo kunye nokungahoywa ukuba basebenzisane kunye neebhanki uyavuma inzuzo kangako imeko yabo ethile kunye neemeko ukuzichaza ubhavumo zabo. A care elincinane, kukho iimviwo oluneenkcukacha iimeko yentsebenziswano, imveliso ebhankini efanelekileyo - kunye nentsebenziswano kunye ibhanki iya kubashiya ukuvela kuphela mnandi. Kuyo nayiphi na ibango arhente inkonzo ekhethekileyo ukusabela ngoko nangoko.