Bank "Mutumwa": matambudziko, mutengi wongororo

JSC "Mutumwa" - ichi ndechimwe kupfuura mbiri masangano panguva yeUnited pamwero kuRussia. Nhoroondo tsika zvemari iri diki uye ane nemidzi yawo 2010. Panguva iyoyo, boka "Mutumwa" kambani dzakasaina chibvumirano ne "Promtorgbank" riri paumbwe imwe dzibatane uye pamwero mukuru zvemari sangano. Bank "Mutumwa", dambudziko harisi kunetseka vari mumatanho chokuvapo rokutanga, pakarepo pashure pakaita akapa itsva chigadzirwa mune zvemari pamusika - mubhengi kadhi, "Mutumwa", iro-siyana zvikuru siyana vaitaura uye akataura nezvekubatsira sangano.

nyaya

"Mutumwa" Bank (Moscow) pamutemo atanga basa muna 2010, asi mutengi mamiriro akanga nhaka kubva wokugara naye munhu JSC "Promtorgbank", iyo yakatangwa muna 1992. Sangano aiva muchikwata che svikiro kadikidiki mabhizimisi kuti dzidzira mukushumira maindasitiri uye zvokutengeserana nemakambani. Chiitiko Kudyidzana pamwe masangano akanga itsva, asi anobatsira chaizvo. History of "Mutumwa" boka makambani ane nemidzi yawo 1995. The chikuru specialization akaitwa uye nanhasi ndewokuti: kutengesa zvemagetsi, ari Implementation kukurukurirana uye midziyo kombiyuta. Bank "Mutumwa", mapazi izvo dziri panyika yose Russia, zvino anopa vatengi ayo akasiyana-siyana mabasa zvemari pamwe kushanda makadhi zvichibatanidzwa. The yeGmail.END_STRONG mujinga akatanga ane vanenge 3 zviuru yemakambani nemakasitoma akasiyana sectors hwenyika. Nhamba chitoro vatengi akatotanga asvika vanhu mamiriyoni 1,5. Standard rwezvemabhengi mabasa nokuda mhando kugarwa uye mari kushandiswa, zvikwereti uye deposits vari nechimwe kuminamato factoring uye kuwana.

"Mutumwa" nhasi

Bank "Mutumwa", dambudziko iyo yakabuda tichishandisa achangobva uye haana aiva rinorema kwakabatsira mari sangano racho rwuripowo TOP-50 mabhanga Russian. All deposits bhangi insured nokuda dhipoziti inishuwarenzi hurongwa. The womumhuri kuwanda zvigadzirwa kambani kwava map "Mutumwa", izvo zvave vakabudirira aibatanidza nezvaanogona uye zvikwereti uye debit. Kana kadhi pachiyero achaparadzwa wakaiswa yesangano, ivo vachava nemhosva 10% mubereko pachiri. Nekuti mumwe kutengeserana ari cardholder anogamuchira bonuses. Credit muganhu uyu mhando chigadzirwa iri 250 zviuru rubles. Kubhangi kuti vatengi vanogona kubatsirwa yokupedzisira muna rimwe zhinji mahofisi. Nokuti zvose kunyange nhoroondo yezviri kubhangi, "Mutumwa" (St. Petersburg) hapana zvichemo kubva vatengi. Padanho basa kwagara pamusoro. nguva yokupedzisira kutsamwa anokonzerwa kuti tsika akaisa pokugumira mari withdrawals, saka anoratidza zviito vakwikwidzi ayo, vari kunyimwa rezinesi, uye kare aenda liquidation.

The harbingers njodzi rokutanga

Maererano vatengi uye, uye nyanzvi kuti musika mari, "Mutumwa" kubhengi vakatanga kutambura matambudziko panguva kwakasarudzwa kushomeka chitsama mari inogona kutorwa kubva ATM. Maererano utsanzi, zvose kubhangi kuti ATM, uye vadyidzani kurambidzwa. Vatengi vanogona mari nezuva rimwe anopfuura zviuru 25 rubles. Kuchinjirwa mari kubva mubhengi kadhi Via P2P-shanduro kuwanikwa chete mari kwete kupfuura zviuru 5 rubles rimwe zuva. Ivepo kurambidzwa vamwe pamusoro mhando interbank anotamisa mu electronic format, izvo zvinogona haapfuuri uwandu 50 zviuru rubles. The chete mirayiridzo isina kukunyimai mitemo - ndiwo muripo kutenga yemabasa uchishandisa QBank basa nezvaanogona zvichibatanidzwa.

Zvinotaurwa nhau?

mashoko Yakapararira kuti kubhengi "Mutumwa" dhipatimendi anofukidza zvose pamusoro nyika. Maererano manual, nzira iyi kusvikira kugadzirisa kubhangi racho acharamba mugove waro bhajeti weshumba. Maererano Kutarisira, zviito izvi hakumbokanganisi kunaka vatengi mudunhu, sezvo anenge havaendi mumahofisi uye kushandisa inotsiva nekudyidzana uye kwema. Vazhinji vatengi mari nemasangano kuti vanodavira kuti, maererano nezviyero kunoshamisa kwakadaro rakatorwa utungamiriri, munguva yemberi iri pedyo, chevanorwara zvemari vangasangana nokubatanidzwazve, sezvinowanzoita pamwe kubhengi "Trust" kana revocation imwe rezinesi. Panguva iyoyo, "Mutumwa" kubhengi hofisi nzvimbo iyo vapiswa yekudyidzana mumakore achangopfuura, akamhanyiswa mureza rudzi, sezvo Akave nokuvandudza, uye nzvimbo kutungamirira pamutemo anozivisa kuti revocation pamusoro rezenisi uye liquidation uye kutaura haagoni kuva. Mashoko leaked kuti vezvenhau pakupera 2014, nezvewikendi nokubatanidzwazve, panguva chikumbiro management, kwete chete haina yasimbiswa, asi pamutemo akarambazve. Chinhu choga zvamunoda "Mutumwa" Matambudziko nebhengi liquidity dzakanga zvakamushamisa - ndiyo investor nokuda normalization ose. The Chinyorwa rinoti pane zvakakwana vaizotibata vaitaura.

Pokugumira makadhi - tizvidzivirire kana zvimwe chakakomba?

"Mutumwa" rave chinoshingaira zvinoderedza echikwereti nemiganhu. Kare 99% of chikwereti zvibvumirano inopiwa kune vatengi zvakasiyana zviri kuwanda 10 zviuru 150 zviuru, nhasi zviri zvishoma kune mamiriro kukura chikwereti. Guide rinotsanangura rutapudzo kuti miganho kuchinja mari mari. Chinja mutengo anomukweretesa ezvinhu zviri zvikuru pachinhu iripo kukosha guru kukwezvwa. "Kugera" pakutanga pachena Nonrecycled zvikwereti pamwe razero kushandiswa.

Chii vatengi vanoti pamusoro yokuderedza pakunogumira?

Pashure kubhengi "Mutumwa" (St. Petersburg) akava Trim mwero, vatengi vakabvuma mamiriro ezvinhu dzakawanda uwandu kunaka wongororo. Pasinei nokuti kubhengi kutaura pamusoro Kubvisa 5 chete% of zvikwereti, chinozunguzirwa nehasha wamuka guru kwazvo, sezvo sarudzo akabatwa unilaterally. Dzokera kana kubhengi ichikutadzisa chete, achavaponesa zvichaita mberi zvoupfumi mamiriro ezvinhu munyika. Vazhinji mabhanga nematambudziko. Ivo kumisa mabasa avo, achimirira kuchinja mumamiriro ezvinhu, sezvo unopinza water drainage kuti guta aigona kusarudza mune ramangwana zvikoro.

Wandisa mudonzvo mavanga

"Mutumwa" kubhengi hofisi nzvimbo iyo dzakawira hasha, kuvhara mapazi hakungoitwi. In yose, kubva January kusvika March 2015 mari sangano mudonzvo yakaderera nezvikamu 27%. Rokutanga April 2015 nhamba bhangi vashandi muna 1406 rinoenderana nyanzvi. Muna January gore rino, nhamba iri anoenderana 1,921 zviuru. Kazhinji, nokuti gore uno, nhamba vanachiremba yakaderera nezvikamu 36% mu "Mutumwa" kubhengi. Kuderedza kukura mubayiro akabhadhara. In wokutanga kota 2015 zvemari sangano vashandi yave ndiye mamiriyoni 25.2 rubles. Izvi vanenge 27% kudzika kudarika nguva chete gore rapera. Ndaona cheteyo kukura munzanga kubhadhara, izvo akasimuka mamiriyoni 123,5 rubles kusvika mamiriyoni 4.1 rubles. Credit sangano kunzwa mamwe matambudziko emari kubva pakupera 2014. Sezvo April, 16 mabhanga kubva Central Bank akanga akapa Kurambidzwa kubvuma deposits itsva, sezvo yaApril 1, tsika zvemari akanga asiya guta adequacy mitemo maererano kudzorwa nemitemo.

Kubhangi kuti kuramba kugadzirisa chikwereti

Kusvikira nguva dzakadai vakatanga kuvhara mahofisi, kubhengi "Mutumwa" vatengi vakawanda touted kumativi ose. Kune vanhu vanoshingaira akanyora kuvimbika kwavo uye kuremekedza vatengi, izvo haamo mune dzimwe guru zvemari masangano. Kusimbisa mbidzwa sangano kutendeseka uye zvakasiyana siyana, aida kuchinja zano kudyidzana. Kubva zvinetso, maererano mutengi inofambiswa, mafungiro zvachinja yekudyidzana. Saka, mumwe nemakasitoma maererano nebasa kushandisa kuti chikwereti kugadzirisa. Maererano naye, vamiririri kubhangi haana kupindura chero vakawanda nyaya. Somugumisiro, mumwe mukadzi anoti pamusoro dzose kutyisidzira vateresi pafoni uye bothersome zvinoda neshamwari dzake dzose. Iye anoronga kufadza nehofisi yevachuchisi aine kutaura pamahombekombe. Tsanangura ezvinhu akafanana uye nevamwe vanhu vakawanda vakasarudza kuita zvakafanana.

Chii vanoita?

"Mutumwa" kubhengi deposits akagoverwa nesimba guru, zvino haasi kushanda munharaunda iyi chokuita nokurayira Central Bank. Nokuda chokwadi ichi, mutengi maonero zvakapatsanurwa. Pane mhando mbiri vanhu. Vamwe vanhu vanoedza kuzviita vanounganidza mari mubhangi, nokudaro vachikonzera inofashukira simba uye achitowedzera mamiriro ezvinhu. The boka chechipiri vatengi yakanaka, maererano navo, hukama tsika zvemari hakuzofadzi kutora chero chinhu. Vanhu vanotarisira kuti "Mutumwa" kubhengi rezinesi izvo pari richiri kushanda zvinobudirira kurarama nematambudziko pfupi munguva yemberi iri pedyo, kuti umutse basa nemitemo. Nyaya iri pakuti kunyange somugumisiro kuchaitwa mari sangano mari inogona kudzokera kuburikidza Deposit Insurance Agency. Nyanzvi vanokurudzira chiito vaya dhipoziti mari kwazvo mamiriyoni 1,4 rubles, kusanganisira dhora mazwi.

"Mutumwa" rakanga panhengo kunetseka nemasangano

Mugumo 2014 kwakanga kwakandiomera nomumwe tsika zvemari. rwezvemabhengi nematambudziko kwakaitika panyika yose Russia. Pasinei chaizvo samambure mahofisi, uye kukura kwebasa basa, "Mutumwa" rakanga panhengo rakabvongodzwa rwezvemabhengi masangano. Muna November 2014, tsika zvemari tacked vava kuda kubhuroka. Ataurazve chete nguva vakanga vapinda, ipapo starred muganhu vatevedzere pamusoro nemakadhi bhengi. Pakutanga, miganhu kuti chiito uye nhasi, rakarongwa kupinda chete munguva Christmas mazororo. Nokutya kudivi vatengi vanochengeta mari dzavo chevanorwara zvemari chokuita zvikurukuru chokwadi kuti sezvo dambudziko, akadzivira mabhanga vanopfuura 100.

kubhangi kuti vangangoramba 2015

Ndiani angati, "Mutumwa" Bank akavhara kana kwete, ari matambudziko, asi chokwadi nokuva liquidity nematambudziko nokuda zviyero kuchaitwa basa iri pachena. Foreign mamiriro ezvoupfumi anoratidza kuti iri pfupi mamiriro hakuzochinji. Pasinei kuwedzera uwandu mipiro inishuwarenzi kuti mamiriyoni 1,4 rubles, ari water drainage mari kubva kupfungwa zvemari mberi, izvo zvinogona kuita kuti kusauka. Yeuka kuti "Mutumwa" kubhengi deposits asisakwiri kubudikidza sezvakarayirwa Central Bank of Russian Federation, izvo akaderedza replenishment matsime musangano. Pane ruzivo pamusoro pamberi chikwereti Institute kusvikira mutero zviremera uwandu bhiriyoni 1,2 rubles, apo kuripwa chikwereti vane kukarukureta zvisisakwanisiki, sezvo mari iri chikwereti kwazvo 2.5 nguva. Kubhangi kuti utariri ari kushingaira kushanda kudzikamisa nezvebasa tsika, izvo zvinopa tariro kudzorerwa kwagara kushanda "Coherent". Kuita zvataurwa iri mangwanani, zvazvinosarira chete kuongorora mamiriro ezvinhu.