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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 441 items

For Russian investors the long-awaited time approaches: soon the company and banks will start the payment of the final dividend for the year 2018. What portion of the profits they are willing to share with shareholders this time? the Russian stock market continues to update the historical highs, ignoring the risks of sanctions and falling oil prices. On Wednesday, the index Mosberg reached level 2 639 items and, analysts say, this is not the limit. The driver market is approaching the season of dividend payments, which this year promises to be unusually generous. Now the yield payments even large companies often exceeds 10%. "The dividend yield of the Russian market is very high. The average for Mature companies it is possible to obtain a yield of about...

Russian Salaries are rising more slowly than prices. In February and March real wages (calculated with adjustment for inflation) in annual terms did not grow, and in a number of industries and all have declined. the Impact on the budget of state the growth Rate of nominal wages in March did not change compared with February, amounting to, according to Rosstat, 5.2% year-on-year. As a result real wages in annual terms during these two months is not growing, according to assessment of Department research and forecasting (SSP) of the Bank of Russia. In the Bulletin "what do the trends the" analysts of the Bank noted the slowdown in the growth of nominal wages in both the private and public sectors, and in the second case it was much stronger. "According to our...

During the four years of the law on personal bankruptcy procedure have used 107,6 thousand people, estimated by the United credit Bureau and the project "Medresurs". And technology is rapidly gaining popularity. In the first quarter of 2019, the number of citizens and individual entrepreneurs recognized bankrupt, have increased by 48%. Tell how to declare bankruptcy, why you need it and how much you have to spend on the procedure. Who can declare bankruptcy? Bankruptcy is not a pleasant procedure, but sometimes it's the only option of getting rid of bad debts. If you pay your obligations on time is not possible, you have the right to apply to the court to declare itself bankrupt. If the debts exceed 500 thousand roubles, to apply you are required by law...

The Bank of Russia said that inflation in the country began to decline: its peak reached in March, with the price growth was lower than assumed in the Central Bank. Why is this news should not only please, but upset? Not so terrible VAT, how to be feared By the end of April, annual inflation was 5.2%, down from the March of 5.25%. These figures were below forecasts. "Annual inflation has passed the peak value at a lower than expected level under the increasing effect of the provisional restraining the growth of prices of factors: the strengthening of the ruble and reduction of prices on diesel fuel. The impact of VAT on consumer prices ceased to be traced in the statistics," — said the authors of the newsletter "what do the trends" issued by the Bank of...

Russians "slowed down" mortgage loans. The conversion rate of approved applications declined to a record low of 25%. "increase in the number of mortgage loans, which we saw in the last few years, is slightly reduced. Analysis of the incoming flow of requests showed that in March 2019 marked a record low take rate (the conversion rate of approved requisitions), compared to 25% when the average is 40%," — said General Director of "Equifax" Oleg Lagutkin. Less really is more that the interest in mortgage lending has declined, according to Central Bank data. Thus, in January — March, Russia had issued 284 thousand mortgage loans amounting to 618 billion roubles. Number of mortgage loans at the beginning of this year decreased by 5%, and the total amount is...

Some time ago, news feeds were filled with reports that in his travels in Russia now it is possible not to spend money on roaming charges. And for most subscribers it really is. But that's not for everyone! Why such discrimination? Let's deal. These different roaming let's Start with the terminology. Roaming is the provision of communication services to the subscriber outside the home network. Accordingly, depending on how far from home is the subscriber and the network's operator used the services of, we can distinguish three types of roaming: on-network, national and international. With international roaming, everything is clear: the person leaves the country, goes into the network of the foreign operator, for which paying the extra money. In this article...

A Year ago, Banks.ru wrote about the beginner investor Michael, who opened IIS and bought bonds. What income he received and what strategy he should follow now? Michael opened an individual investment account in a major brokerage company and has invested a total of 400 thousand rubles. He chose the bonds, as to understand trading stocks he has no desire, and bonds, in his opinion, the safest way to obtain a higher return than on Deposit. as a result of his portfolio was six bonds, three of which are "long" OFZ. At current rates on government bonds (8,09%) yield of the purchased securities does not look too attractive. However, given the fact that some paper Michael plans to sell earlier, than will come the maturity, he chose the most liquid issues...

The Bank may increase the credit card limit, even if you don't need it. Can this trigger excessive spending and is it easy to return to the old terms of service? the Banks have become loyal to those who use credit cards. Thus, according to the National Bureau of credit histories (nbki), in the first quarter of this year, the average limit for these cards has increased to 55.5 thousand rubles — more than 11% year-on-year. According to the statistics Bureau "Equifax", in the first quarter, the same indicator was even higher — 56,1 thousand rubles, and this is the maximum value over the past three years. From what suddenly such generosity? According to the Director of marketing of nbki Alexey Volkov, in recent years has improved the practice of credit scoring...

Where a paid subscription to content taken on your phone, how to refuse them and, most importantly, how to return charged by the operator of the money? Tell! the Problem with paid carrier subscriptions are still relevant. The law "On communication" is changing, customers are judged but no-no and find yourself another service that they never hooked up, but still have to pay for it. And sometimes, these services appear not even accidentally or by negligence, and as a gift: here's to you, the subscriber, a great option to use for free! But not for long... say, a week. And then, like in Cinderella, the carriage turns into a pumpkin, the footmen into mice, and gift services be paid. Weird? It is quite a common practice! Warning action! For consumers, the word...

Lending remains for the Russians, one way to realize the dream of a beautiful life. Representatives of collection agencies told Banks.ru on the scale used borrowed money and what happens after they end. Tired of that at the neighbor everything is always better Periodically the Agency in their work are faced with debtors who took out loans on an unimaginable from the point of view of the income and common sense purchases, said the press service of the SRO NAPCA. "Such cases are remembered for a long time. For example, the young man 33 years old took a loan BMW, the monthly payment according to which on 10 thousand roubles exceeded his actual income. The purpose of the purchase — acquaintance with the girls. With payments, of course, he failed. It would seem...

SMS about write-offs for a Bank service, which you are connected, is often not the most pleasant situation. What is the fee banks can charge and how to avoid unnecessary spending? Fee for service generally, all credit institutions have basic packages which include a service card account, SMS notification. Ensure favourable pravoslavii (such as preferential service for a specific period), you knew about how much it costs each of the services. Transaction Commission On the Bank's website can easily find information about standard fees for transferring from card to card. To reduce these costs, use alternative services such as quick payments. Until the end of may translations for it will be free, but even after promoperiod of fee can be lower than standard...

Victory in the elections in the Ukraine comedian Vladimir Zelensky caused panic in the media: that the President is a populist for sure will be sent to the bottom. The rise of populism around the world considered to be one of the major threats to the global economy. What do statistics say? In Venezuela there is a local end. Inflation last year reached 1 700 000%, GDP fell by 15%, a third of the population lost their jobs and more than 3 million people fled the country, literally from starvation. But Venezuela is among the top ten in oil production. Direct culprits of the crisis economists call a former President Hugo Chavez's program of "Bolivarian socialism" and its successor, nicolás Maduro. The nationalization of enterprises, the growth of taxation...

In Russia so many amazing places, but you can never go there, even if you live relatively close. Banks.ru offers five options for those who like a lean and short trip. Zaraisk This route is not very popular among tourists who prefer nearby Kolomna and Ryazan. Meanwhile in this town is the real Kremlin, built in the XVI century. It is considered to be the smallest in Russia, but perfectly preserved. The Zaraysk mentioned in the Chronicles of the XII century. The city was repeatedly subjected to raids of the Tatars, it was visited by the troops of false Dmitry. According to legend, is buried here Russian Bogatyr yevpaty Kolovrat. Dmitry Pozharsky was here by the Governor. The city has many monuments of XVIII—XIX centuries, churches and merchant houses, and...

Long-term financial planning in Russia is not very common, the study said NPF of the savings Bank. Only 7% of Russians predict your income and expenses for a period of one year. The reason is unstable economic situation or disorder? Three-quarters of Russians plan their income and expenses, but most of them — for a short time, according to a survey. So, 43% of respondents prepare the budget for the next three months, 7% for 4-6 months, and another 17% for the year. Only 7% of respondents engaged in enough long-term planning: 4% — for 1-3 years, and 1% for 3-5 years and 2% for a period of five years. Wider planning horizons typical for residents of large cities and administrative centres of the regions. In these, about a third of residents predict their...

Attitude toward loyalty programs are changing and customers, and banks. How market participants are going to play with kasbekar and bonuses and will benefit from this are the card holders? the Russians are rethinking their attitude to kesbeke. A priority model for customers now — "save and earn", found in the Bank "Russian Standard". According to them, 17% of cardholders up, cashback for at least three months, and then spend. "A few years ago the most popular in the population model was "to save here and now" — customers receive discounts and bonuses when you purchase", — says the Vice-President of holding "Russian Standard" Eldar bikmayev. Experts also complain about the growing appetites of consumers. "A few years ago 1% of kesbeke was considered to be...