Bank "Tinkoff": ukuthembeka rating. Liliphi ixesha "Tinkoff Bank" kwi ukalisho kweebhanki?

Kwiminyaka yakutshanje ngamandla ethengisiweyo ibhanki "Tinkoff". Kala kakhulu likhula ngokukhawuleza, kuba liyanda inani abantu sebeqala ukuba basebenzise ngenkuthalo iinkonzo zayo, uninzi lwazo luncedo ngokwenene. Noko ke, konke oku kufuneka ndithi kuni ngakumbi.

ulwazi jikelele

Imbali yalo mbutho iqala ngo-1994, xa umseki kwishishini, Oleg Tinkoff, wayithenga AKB "Himmashbank". Ngowe-2006, lo mbutho uqambe "Tinkoff Credit Systems". Namhlanje, ebizwa lula nokuba ibhanki.

osemqoka yalo esentloko kukuba ulondolozo ekude ngokupheleleyo. Ibhanki "Tinkoff", nto leyo mlinganiselo ophezulu ngokwaneleyo, akukho oomatshini bokukhupha imali kunye neevenkile. Kodwa oku imthintele ukuba uyathandwa.

Oku - ibhanki online kuphela kuyo yonke iRussia. eziphambili iimveliso Its kunye neenkonzo ezinikezelwa kubathengi - debit kunye credit cards, kunye needipozithi ngaphezulu. Kodwa ayikho kuluhlu lonke lweenkonzo. Kwakhona, lo mbutho sele ukuvelisa kombrendovyh mboleko ekujoliswe ikhadi okhuphayo (ukuthengwa kwempahla ezivenkileni online) kunye nentengiso ezijoliswe. Iqonga ngaphezulu mortgage uye "Tinkoff Bank".

Beka kwi rating singene 45. Equity -. A kancinane ngaphezulu kwama-29.2 Isixa-asethi yakhe 182.208 billion engange. Yaye isibakala sokuba abantu abaninzi kangaka uthembe izibonelelo zabo lombutho, lo bungqina kukuthembeka kwayo.

umdla ukwazi

Ukuthetha ngayo oko, leyo ibhanki "Tinkoff" rating, kufanele kuphawulwe ingqalelo kunye nohlobo qhinga kunye noshishino.

Lo mbutho uphumeza umsebenzi wayo ngokusebenzisa iqonga eliphezulu-zobugcisa. Uninzi kunikwa ingqwalaselo ulwalathiso mobile. Kwaye ke liqulunqe entle kakhulu, ukuba ungathanda abathengi mihla. Ngenxa yokuba abantu abasebenzisa iinkonzo "Tinkoff 'uba ngakumbi nangakumbi. Ngapha koko, ngalo isicelo, ungenza udluliselo nekhawulezayo ikhadi enye ukuya kwenye (nayiphi na ibhanki!), Hlawula izohlwayo zeziphoso zendlela kwaye usebenzise umthunywa nangoko MoneyTalk, apho ukwazi ukuthumela imali ngqo kwi ingxoxo. Xa, inkonzo jikelele mihla.

Kule minyaka mihlanu izayo, ibhanki izicwangciso ukuba esikhulu zemali kunye unikele abathengi yinxalenye zombini iinkonzo zabo, kunye neemveliso neqabane.

Kubalulekile ukuqaphela ukuba ukususela 09.01.2016 lombutho ngulo mdlali 2 likhulu kwimarike credit cards kunye nesabelo 9.7%. inzuzo Net for kwisiqingatha sokuqala sika-2016 yaba malunga 4.4 billion engange.

malunga Ukuthembeka

Ibhanki "Tinkoff" isikali ezilungileyo kuba nguye umnini amabhaso eziliqela ezidumileyo yaye "phakathi". Le nyaniso usenza sibe nentembelo. Umzekelo, ngo-Oktobha walo nyaka wafumana iwonga ebhankini omkhulu, elizimeleyo online ehlabathini ngenani yabaxumi. Kuye kwafunyanwa ukusuka ukufundisisa Frost & Sullivan Umhlalutyi kushishino siqinile.

Ngo-2015 lo mbutho wayibona ibhanki best online eRashiya. Kwaye ngowama-2016, oko kwazeka ukuba isiza lo mbutho iinkonzo ezingcono zebhanki eRashiya. Ezi ziphumo yenza ibhanki ijenali ngamazwe, eyaziwa ngokuba Finance Global. A Euromoney waqonda umbutho ibhanki best digital kwiMpuma Central Yurophu. Kwaye yiloo nto uluhlu lonke lwezihloko. Nakuba kunjalo, kufuneka icace ukuba umbutho esinzulu gqitha yi "Tinkoff Bank".

mlinganiselo Ukhuseleko Wazomeleza ngakumbi, kunye nezinye izibakala. Oko kukuthi, isibakala sokuba ebhankini inxaxheba kule nkqubo ye-inshorensi idipozithi. Ngenxa yokuba abaninzi, ukumthemba kuye imali yabo. Le nkqubo iqinisekisa - wonke umntu imali yabo, uya kufumana imbuyekezo kwi mali esizigidi 1.4 engange-akhawunti kunye needipozithi zangoku kunye nenzala.

uphuhliso olusebenzayo

Ukuthetha yintoni "Tinkoff Bank" owaziwayo ngokhuseleko, akunakwenzeka ukuba ingqalelo nokuphunyezwa kweenkqubo zophuhliso ekuthiwa njalo-.

Rhoqo kukho iingxelo ukuba inkqubo wabonakala okanye ezintsha. Ngokomzekelo, ngoNovemba 1 kulo nyaka, "Tinkoff" iqale Apple Pay - Isixhobo intlawulo lula nekhuselekileyo ukuhlawula izinto ezithengwa ngaphandle kwebala elinye kuphela ID Touch.

Ngo-Oktobha 3 umbutho lasungula inkonzo ebizwa ngokuba "Tinkoff Investments" (with BCS "Broker"). Ngenxa kuye, abathengi ngoku ukukhetha izibambiso ngqo kwi-akhawunti yakhe buqu, kwaye ahlawule ukuba ikhadi lokuthenga.

Kwaye iindaba apho ngoSeptemba 22 ukuba "Tinkoff" ngoku okhonza nabathengi kwi "yocingo" - umthunywa, zithanda ngakumbi nangakumbi. Abantu bakwazi ukuqhagamshelana iqela inkxaso nge phone, imeyili, ingxoxo kunye iindlela ekuhlaleni. iinethiwekhi, kwaye ngoku ndiya kongeza "incwadi" kuluhlu. Kwaye oko kungenziwa nje. Kwanele kwi bhokisi yokukhangela ukuba ufake isicelo esinjalo: TinkoffServiceBot.

izakhiwo mboleko

Ngoko ke, ukuba kunini "Tinkoff Bank" kwi luhlu - icacile. Ubukhulu becala negalelo kwimpumelelo zabathengi usebenzisa amakhadi kunye nezinye iinkonzo intanethi, kodwa eneneni baninzi ngakumbi kwaye athathe mboleko. Kwaye naba bade zithandwa kakhulu.

"Tinkoff" inika abathengi ikhadi lamatyala kunye umda ukuya ku-300 000 kunye nonikezelo ekhaya. Ngelo xesha abantu banikwa ithuba umdla-free ziintsuku 55. Intlawulo yenyanga - 8% kuphela. Kodwa - izinga eliphezulu. Ngokuqhelekileyo, faka ngamnye, yaye kwi-avareji ngayo yi-6%.

Abantu abaninzi abafana ukuba credit "ikhadi Tinkoff" njengokuba naziphi iintengo leyo zahlawulwa, ixhuzulwa-1% ye-mali kwi-bill. Kwaye ukuya kwi-30% - ukwenzela ukuthenga nezaphulelo. 1 indawo, ngasendleleni, lilingana engange. Emva koko bachithe - yokuthenga moya kunye amatikiti w r /, lunch kwi-restaurant kunye nezinye izinto ezininzi. Ngoko ke umntu owenza ngaphandle ikhadi lebhanki letyala, kwaye nokuba kungenelwa ngokwabo. Kulo mzekelo, naziphi "imigibe" hayi - bonke ingafumaneka kwi-ofisi yakhe labucala okanye ngokuqhagamshelana umqhubi. Le - efunekayo ezisisiseko ukuba "Tinkoff" ebhankini. Simo phakathi iibhanki kungenxa yesi sizathu ukuba phezulu kangaka. Ngenxa yokuba abantu, kuqala kwiinto zonke, baqonde lula nengqalelo ngamnye.

iindaba zakutshanje

Kutshanje, kukho inkcazelo umdla. Kwaye yiloo nto athi: "Bin" kongezelelwa zabo ikhadi ATM wemvula ukhetho "Tinkoff". Kukho imida. Xa umsebenzi owodwa kwi-akhawunti, uyakwazi ukubeka engange 85 000. A nyanga - ku 559 000 engange. Le khomishini singabalelwa, nto leyo ingakumbi tsakisaka.

Le yenye ubungqina bokuba umbutho "Tinkoff" bangathenjwa. Ngapha koko, "Bin" kwi indawo 12 ukalisho kweebhanki Russian. "Bin" na umbutho lwenqila enkulu zabucala. Yaye isibakala sokuba ngoku nge-ATM zalo ukwenza imisebenzi enxulumene "Tinkoff" komeleza kuphela intembeko zabathengi.

ukubambisana

Ukuthetha ngezinto ezenzekayo ukalisho lebhanki "Tinkoff", kuyimfuneko ukuba zihlale phezu umxholo ngobambiswano kunye neminye imibutho. intsebenziswano esebenzayo nezinye iinkampani zemali kwakhona kubonisa ukubaluleka kwayo kunye nokuthembeka.

Apha, umzekelo, SC "RosEvroDevelopment" (inkampani leyo phambili kwimarike real estate yorhwebo), "Tinkoff" Agasti 15 yasungula inkqubo ukunyaniseka. Sithetha ngale nkqubo bonus AURACARD. A umthengi bank, sithenga at ngokupheleleyo naliphi na indawo umhlaba wethu, iingongoma waqokelela ke tirhisa kwi umzuzwana "Aura". Injongo yale projekthi elidityanelweyo - ukwenza isicelo umdla icandelo elitsha abathengi.

best

Kuzo zonke ezi ngxoxo ingasentla, kuba isiphelo enye kuphela - "Tinkoff" i ibhanki ethembekileyo. Kwaye ekugqibeleni Ndingathanda ukuqaphela ukuba entwasahlobo kwalo nyaka, nokwazeka njengoko ibhanki ilungileyo nenkonzo credit cards namalungiselelo abo. "Tinkoff" kwaba 62.3 no-70 amanqaku novavanyo ngaphandle kunokwenzeka-100. Eli linqaku eliphezulu phakathi bonke abathathi-nxaxheba isifundo. Yaye isibakala eyathi yavakaliswa-arhente yohlalutyo eyaziwa Markswebb Rank & Ingxelo, usenza sibe nentembelo.