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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 398 items

Choosing a Bank to open a Deposit or investment products, special attention should be paid to the credit ratings of the Bank. What is credit rating? What you need to know and how to read? What is credit rating? the Ratings assigned to countries, regions, organizations and private financial instruments. They can be short and long term, on a national and international scale in national and foreign currency. If you want to open the contribution for a large sum or buy shares of a particular credit institution, to assess the reliability of the Bank will help his credit rating. This is the rating analysts of the Bank's solvency, i.e. the ability to timely and fully meet financial obligations. The evaluation is based on financial statements and other information...

The Economy is stagnating, but the domestic stock market doesn't notice. This year he can still give investors to make money. Experts predict a dividend yield of Russian equities in the area of 8-9%. a Disastrous year the Russian economy in a phase of stagnation. Even the official sources indicate a slowdown in GDP growth. Despite the efforts of Rosstat, several times to change the evaluation system of growth, show so far managed a maximum of 1.3%. This is less than half the growth in world GDP, and more than four times lower than that of our strategic partner — China. Even in the Central Bank carefully noted that the sustainability of economic growth remains to be assessed, and hinted about the slowdown at the end of the year. This is stated in December...

Card Credit Plus is in the top five cards of the leaders views on Banks.ru. During the past 30 days have about 12 thousand applications for Credit Plus Card on our portal. What's so interesting? Understand. That the map Credit Europe Bank (KEB) card released in the Mastercard payment system in the World. Possible immediate results in all offices, free delivery in the design of Internet applications. The map can be linked to the wallets with Apple Pay, Google Pay, and Samsung Pay. SMS-informing is 59 rubles a month. If transactions in the reporting month, the fee for SMS-notification will not be charged. SMS-informing is often found in credit cards, however in the market there are offers where it is free by default or under certain conditions. Free...

More than half of borrowers economically vulnerable due to excessive debt load. How to get out of debt? Parse the basic techniques. the Country is in debt the Increased credit load (more than 50% of the income goes to monthly payments on loans) have a 14.6% of Russian borrowers, it's more than 8.5 million people, was assessed by the Deputy General Director of United credit Bureau Nicholas butchers in an interview with Federal business magazine in September. the world Bank (WB) showed that in 2019, among the borrowers of banks to 9% of households are in arrears, 10% have been forced to restructure or extend credit to or received from the Bank's refusal to issue a loan, 14% have difficulty paying interest. overall, 55% of borrowers are not protected or...

In social networks all turned into a joke, and the VAT increase, and Bank leakage, and growth of debt load of Russians. Banks.ru recalls the best financial memes of the past year. the Year started not so good. From 1 January in Russia increased VAT from 18% to 20%. In the first months of the year is greatly accelerated inflation, and renewed manifestations of the so-called SHRINKFILE — reduce the quantity while maintaining the size of the packaging and the selling price. Against this background, a boon for social networks was the innovation of the Udmurt integrated poultry farm "Varaksino" — package with nine eggs. Nine eggs spawned dozens of jokes and became a symbol of the economic crisis and rising prices. Illustration #1 the Theme of raising the...

How do you imagine a Bank robber? With a stocking on his head and a gun in his hand? Yes, there are. However, the biggest theft of 2019 made by the FSB and managers of the banks themselves. Elite FSB: robbery openly the biggest and Most incredible Bank robbery in the past year occurred in June in Moscow. Members of elite units of the FSB raided the Bank "metallurg", whose office is located on the territory of the market "Moscow" in Lublin, and stole 136 million rubles. And he did it in the open, showing the guard at the entrance of the identity of the FSB. However, the stolen money belonged not to the Bank itself, and the businessmen who were engaged in illegal currency exchange on the market. The crime involved a former prosecution investigator, previously...

Russian companies are increasing payouts to shareholders, and this year could be one of the most "fruitful". What investor can bring stable and high dividends? In the past year the Russian market showed an increase of 27% (including dividends 35%), index of Masuri firmly entrenched in a new historical maximum above 3,000 points. The number of brokerage accounts doubled. The attractiveness of the stock market for investors has provided high dividends. Many companies have notably increased payments to shareholders. For example, a dividend per share of Sberbank increased in comparison with 2018 33%, "Gazprom" has raised the payout twice. To find a profitability higher than 10%, investors could even among shares of large issuers. this year, the strategy of...

Increasingly popular among Russians acquiring payment with one touch, according to various studies. This contributes to the provision of contactless payments in public transport. one touch Contactless payments gradually occupy an increasingly important share of cashless at the expense of ease of use: with one touch you can not only pay for goods and services, but also to save on the cost of riding public transportation and not waste time in the queue at the cashier in the rush hour. According to the Bank of Russia, volume of non-cash transactions in payment for goods and services, and transfers from card to card and on the contribution has already exceeded 60% of the market. At the same time, an international consulting company BCG said that the Russians on...

In anticipation of the New year, the portal Banks.ru figured out how much money and what to spend readers in the holidays. And what gifts they give and receive the most. We asked our readers a few questions to find out how they plan to spend Christmas and new year holidays, that are willing to spend the most, and what will save. But at the same time asked to tell what the most expensive and cheap gifts they gave or received in the New year. The survey involved more than 500 people. Thank you to everyone who responded and took the time to share your plans for the upcoming holiday! to Celebrate and not go broke Main article Christmas spending is buying gifts for relatives and friends. Almost 39% of our readers plan to spend most of the money for this purpose,...

A significant event of the year was the introduction of the indicator of debt burden for borrowers. How this and other legislative initiatives have influenced the banking market and what changes to expect in 2020? the Outgoing year is hardly revolutionary from the point of view of the adoption of new laws. But this is only at first glance. A number of legislative changes had a significant impact on the market, and the consequences of their adoption are even more prominent in the new year. On the market just got a chill the biggest event of the year for the banking market — the introduction of debt burden indicator (PDN) for the borrowers. October 1, 2019 entered into force the Bank of Russia of 31 August 2018 No. 4892-Y, under which banks and microfinance...

The Bank of Russia on 13 December decided for the fifth time in a row to reduce the key interest rate. The rate was lowered by 25 basis points to 6.25% per annum. In a press release, the Central Bank has kept the wording that will assess the feasibility of further lowering the key rate. However, if the regulator promised to evaluate this feasibility on "one of the next meetings" (which in terms of the Central Bank means one of the three next meetings), this time they promised to do it "in the first half of 2020." Wait whether the population after the decision of the Central Bank of the next wave of decrease in rates on deposits and reducing the cost of lending? Deposit rates: first overclock, first brake To the easing of interest rate policy, the Central...

Drop rates on deposits makes the customer to look for other risk-free ways of saving money. Can the savings account be an alternative to deposits? Demand for the savings account exceeded the demand for deposits. About this Banks.ru said representatives of several credit institutions. In the Bank "FC Opening" balances on savings accounts this year has quadrupled from 25 billion to 100 billion rubles, said Banks.ru Vice-Chairman of the Board of Bank "Opening" Veniamin Polyantsev. the growth Rate of savings accounts are now higher than the growth rate of any other funded products in the Bank, said the head of the office of non-credit products Raiffeisenbank Maxim Stepochkin: the decline in Deposit interest rates customers are looking for other, including more...

Mortgage borrowers of the savings Bank of differentiated payments can't go to a legitimate "vacation". The Bank offers a restructuring or transition to an annuity, which can lead to significant overpayment. the Inhabitant of Samara under the name YuliyaK19 stated in the savings Bank that can't transfer her old mortgage with differentiated payments on a mortgage vacation. "But if I agreed to re-sign the contract and go to annuity payments overpayment of 200,000 rubles. Why is this happening? Ie agreeing to these terms, I roughly pay for six months of 200000 break the Bank," says a client of Sberbank (spelling and punctuation of the author saved review). With a similar problem faced by the user from Lipetsk. In response to his complaint, the employee of the...

The state Duma in the spring session to adopt the law on the new composition of the consumer basket, on which we can proceed in 2021. Its structure will be, finally, similar to the "full and healthy diet" promises Prime Minister Dmitry Medvedev. But even in the form of our consumption basket will be far behind the Western European samples, which include wine, taxi rides and pet food. Do not expect that these symbols of bourgeois life will appear in our shopping cart. And there are objective reasons. the Basket will become "full" Last fall, the Prime Minister instructed the Ministry of labor, Ministry of economic development, the CPS and the Ministry of Finance to develop a new part of the food part of consumption basket, using the recommendations of the...

Blocked the lost card? Too early to relax. With stolen business cards two months after her lock the crooks withdrew more than 100 thousand rubles. How is this possible and what should I do? 24 Aug businessman Maxim K. and his wife were vacationing in the suburbs. While the wives rode horses, thieves cleaned out the locker room and stole credit card, says the businessman. He himself lost the business card MasterCard Business Momentum, the wife of "dubatovka" and a credit card. The cards were issued by Sberbank. There was also a stolen cards of other banks. According to the businessman, all cards were blocked on a call to the banks almost immediately. "Later the person who stole my card tried to make purchases with the card in the different countries of...