"Metrobank": mushandi uye mutengi wongororo

Zvinosuruvarisa, zvipfuwo rwezvemabhengi gadziriro chakagadzirirwa kuti vanobudirira masangano, achitungamirira kunobatsira basa kwenguva yakareba nguva anogona pakarepo kurega kushanda. Chikonzero chacho chiri pachena - kubhengi revokes kuti rezenisi kuvhiya ayo. Somugumisiro, kutambura vanhuwo depositors of kubhengi - vaya vakaramba mari dzavo mariri. Uye chii chinoitika kune mari kuti mubhengi vakavhura, zvakaoma.

Mumwe ava - "Metrobank". Reviews uye pamutemo mashoko anoratidza kuti tsika chakarasikirwa kuti rezinesi muna 2015. Asati pakagadzwa kwemakore akawanda akatungamirira kubudirira basa sezvo stapovitsya pachena pashure kuona nhamba (purofiti uye kurasikirwa mashoko kwemakore chaizvo). Dzidza zvakawanda nezvokuti chii chinoumba "Metrobank", wongororo kuti depositors, ane mari ndiye "chavasina", uyewo mamwe mashoko panyaya iyi, verenga nyaya ino.

General ruzivo pamusoro pamahombekombe

Tinofanira kutanga yokuti tsika yakatanga basa rayo kare 1993 pasi zita "Color-Bank". Panguva iyoyowo tichigadzirisa kubhengi Kambani akakwanisa kuwana mamiriro Visa nhengo sangano, kuti vaite mabasa nemakasitoma 'nyaya. Pashure paizvozvo akavaka-up of basa zvinhu uye mwero pakukura.

Somuenzaniso, muna 2005 mugove musoro yakawedzera kuti rubles mamiriyoni 150. "Metrobank" nokukurumidza (ichi kunosimbiswa wongororo revashandi) vakagamuchira rezinesi kuti kuchengetedzeka dzokutengeserana pamusika wemari. In dzakafanana, chidziro chaiitirwa kukwezva vatengi itsva, achishingaira akapinda aizomupa munzvimbo National dhipoziti inishuwarenzi gadziriro yacho Russian Federation.

Kwemakore akatevera, nhoroondo kubhangi kuti, unogona kuona kuti kusika zvinhu zvitsva, kukura zveminda, chinogonesa zvemari uremu. A June 1, 2015 kuti regulator iri rwezvemabhengi pamusika, kwakasarudzwa kuvatorera rezinesi, umo iye aishanda, "Metrobank". Reviews zvinoratidza kuti zvakaitika pashure tsika akarega kubhadhara vanhu mari yavo. Dzidza zvakawanda nezvokuti nei izvi, verenga mberi.

Zvirongwa uye rwezvemabhengi zvinogadzirwa

The dzinonakidza ndechokuti urongwa wakabata pamwechete zvinoverengeka zvinobatsira zvigadzirwa, nokuti iyo paiva kudiwa kubva vatengi. Kunyanya kuwedzera chaiwo anomukweretesa uye nokugamuchira deposits, kugadzira nhoroondo uye kwema, "Metrobank" (inofambiswa kubva mudonzvo nokusimbisa) kutanga akauya mutengi chikwereti musika paIndaneti muzvitoro. More chaizvo, pano tiri kukwira kupa zvikwereti kuvanhu vanoda kuita pakutenga ari paIndaneti muzvitoro. Zvino muna 2005, kuti vangadai zvisingafungidziriki, akapa kukwana mwero kukura mashoko dzemuchina dzakaitawo.

The Bank chinozoiswa nezvimwe zvakagadzirwa zvakafanana mune zvekutepfenyura. Somuenzaniso, kuti chiito yakaitwa muna 2008, maererano izvo 2 weeks akadzima Zvirango zvose pamusoro zvikwereti pasi zvizere mutsividzo pamusoro nonoka anokwereta. Mukuwedzera, mugore iroro rakanga rakazaruka multi-mari deposits, iyo inobudisa pandandanda mabasa haisi zvachose masangano. Izvi zvinoratidza padanho kukura kubhangi, ivo mberi rwezvemabhengi ruzivo dzaishandiswa basa rake.

ratings

Chokwadi, akapa zvishoma nezvishoma kukura kubhangi kuti zvinhu uye kuwedzera kukurumbira kwayo pakati vatengi, "Metrobank", iro tichava kubudisa mhinduro mune ramangwana, rave kakawanda kuchengetwa kuera siyana. Somuenzaniso, muna 2009, sangano "Expert RA" apiwa kubhengi mamiriro "zvinogamuchirika chikwereti nepakunaka" (izvo rinoenderana kureva kuti B ++). Nechekare muna 2012, rine chiremera "iri Banki.ru" Internet portal kutorwa kuti sangano 245-fung nzvimbo chepamusoro kuti mabhanga maererano rwakapetwa guru. "RBC" vakatakura "Metrobank" kugadzikana kuti boka rechipiri, chine svikiro kadikidiki mabhanga.

Kureva, zvinganzi kuti tsika yakanga kwete rokutanga chinzvimbo list, asi akanga zvikuru zvakawanda vatengi, nokudaro kuona yakatsiga kukura kubhangi kuti nzvimbo kwemakore akawanda. Muna 2014, ivo shareholders vakasarudza uchatamisa kubhengi kubva mamiriro namahwindo kwemajoini wemari kambani iri muchimiro "vadyi wemari kambani".

Market Positioning

Zvinonyatsorehwa Pfungwa tsika yakanga sezvinotevera: kubhangi yakapiwa sehwakapararira. Chii akakwezva "Metrobank"? Customer ongororo zvakafanana: kubhengi zvakashamisa siyana mabasa: zvikwereti, deposits, kuchengetedzeka utariri, munyengeri basa.

bhangi vatengi wakasununguka kuita anotamisa mu network kuti muripo mugadziriro Visa, Mastercard yose. Uyezve, bhengi raiwanzobatana kune vachibhadhara "Rapid", akaita kuti zvibvire kuti aite kwema pamwe American Express macheki uye Western Union.

profitability

Kuti akapa "Metrobank" kambani? Feedback kubva netsvimbo zvinoratidza kuti kubhangi haana nezvinetso mubereko. Kana uchitenda mashoko pamutemo muchimiro gore-pamusoro-mashoko, tinogona kutaura kuti vasanyanye bhuku yesangano kwakaitika muna 2009 chete. Zvose, bhengi akaratidza rakadzikama mari; kubva mamiriyoni 807 rubles muna 2006, ayo zvinhu yakakurumidza $ 13 billion muna 2014.

Chii kunakidza zvikuru, kukura prices anogona kuonekwa pamusoro zhinji nzira: kwete chete pane zvachose kukura kubhangi kuti yesangano, asiwo akadai Sub-Mapato sezvo mari vanhu, deposits, wakasara zvakaoma - akanzwa kwese anowana. Izvi zvinoratidza kuti kukura mubhangi riri rekuchikoro.

rezinesi ongororo

Zvisinei, pasinei nezvose, kuti "Metrobank" rezinesi yakabviswa. Zvino, sezvo dzatoona pamusoro, muna 2015. The initiator of revocation akava Bank of Russia, raireva kukundikana tatevedzera munhu rwezvemabhengi nesangano ayo mitoro kuti chikwereti, kukundikana kutevedza mitemo mabasa jeopardizing zvido depositors uye anokwereta. Uyewo mashoko yakabudiswa pamusoro regulator kwenzvimbo, zvakanzi kuzivikanwa kuti vose zviito izvi zvaiva mugumisiro kusada yacho kubhangi kuti utariri kugadzirisa mamiriro ezvinhu kupfungwa dzavo, nokuda kwekushaiwa Reserve mari kana vasiri mutsividzo yemutoo wezvikwereti nokuda kutadza kuita chairayirwa sarudzo hworuvazhe kuripwa depositaries muripo.

mushandisi wongororo

Zvisinei, izvi zvose ndezvechokwadi. Kana tikaona chevanorwara zvemari chete zita "Metrobank 'wongororo pamusoro zvikwereti uye deposits, pachava mufananidzo inotevera. Mumazuva okupedzisira mumwedzi kupfungwa pamusoro zvikwereti vakarega achivaratidza musika. vanozvishandisa zhinji kungoita kuti vakaramba apo pamutemo zvinhu kubhengi akaramba akatsiga. Next akauya "kudanwa yokutanga" - kunonoka vachibhadhara. Wongororo All tarisa yakafanana chaizvo, kunyange zvazvo pane zvakanyorwa nevanhu vakasiyana. The zvinhu sezvinotevera: munhu anouya kuna keshiya, achimukumbira kuti adzokere mari yake, keshiya anopindura, izvi hazvibviri, uyai zvakare. Chokwadi, pashure kuti akatanga kutya chaiyo pakati depositors nzvimbo paIndaneti: vanhu havazivi kupi kuenda uye kuti, kuti apore mari yavo.

Feedback kubva nomudonzvo

Chii chaiva mamiriro ezvinhu ari mhiri fenzi? Chii chakaitika kuvanhu uyo akashanda "Metrobank"? Kubva pakagadzwa rezinesi yakabviswa, vakawanda vavo kubva kubasa. Izvi zvinoitika, mushure kuvhara wechaunga anoteverwa rutapudzo. Ivo akabata uye kubhengi mudonzvo. Mari kwavari, sezvinei, anonziwo wavharirwa.

Ko isu tine? Pachena zvinhu zviviri: chokutanga - kwemakore anoverengeka, kubhangi akaratidza nemigumisiro yakanaka uye tanga purofiti. Chechipiri - gore rino inonzi nonprofessional zviito management uye basa rezinesi atora. The mubvunzo unomuka: sei kubhengi rinovharwa zvinobudirira, uye chii chinoitika kune mari vaiva nhoroondo yake? pachena, mundipindure, hapana anogona ...

Panguva ino, vanhu vari kumirira muripo wavo. Kana, uye kana zvose - nguva vachakuudza.