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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 442 items

Contrary to the expectations of most experts, the Central Bank on 14 September decided to raise the key rate to 7.5%. This is the first rate increase since December of 2014, when the regulator had urgently to save the ruble. This is not a December 2014 the Board of Directors of the Bank of Russia on 14 September 2018, has decided to raise the key rate by 0.25 percentage points to 7.50%. It is the sixth meeting of the Board of Directors of the Bank of Russia on the key rate in 2018. The last time at the current level, the rate was set on 9 February — however, if it is not raised and lowered on the same 0.25 percentage points on March 23, the rate was decreased to 7.25%, and at this level it is "lived" until mid-September. the Current regulator's decision to...

Foreigners sell Russian securities, and the Finance Ministry of Russia for the third time may not borrow money under the bond. Could it have an impact on the ruble and the cost of Bank loans? Follow the money on who say Despite the growing popularity of investing in bonds, this topic remains far from the majority of Russians. Most much clearer, for example, the rate of the Central Bank: if the regulator will increase, Bank deposits will become profitable. Increased the dollar? That means time for shopping. Otherwise, then in the same refrigerator or you'll have to give more. But how successful is in debt to the state or how to behave in the interest rates on the bonds, at first glance, has nothing to do with our everyday life. It would seem, what relation...

Guys constantly asking me for money. I'm 23 and I'm a girl. I'm single girl, working in Moscow and living in a rented apartment. I don't have things of luxury brands, expensive cars and other attributes of luxury life. So for me it remains a mystery why almost every month unrelated people aggressively asking me for money. the First time I borrowed amount that does not hit my budget in the event of default. Several times had to face a situation when it needed the money back, but the borrower was in no hurry to give them up. Had to come up with several excuses not to lend, and stay friends. The most effective and risky — at the end of this text. 1. "I have a contribution without the possibility of early withdrawal" to Lie to a friend about how you soon you...

Central Bank wants to grant the right of mortgage borrowers to restructure the loan in case the objective of financial difficulties. That's the concern for people or preparing for a new large-scale crisis? the New crisis in Russia seems quite real. In particular, the continuing collapse of the ruble: Monday, September 10, the dollar for the first time in 2.5 years rose above 70 rubles, Euro above 81 rubles. Financial experts say that devaluation may be a harbinger of a new crisis. The collapse occurs not only in Russia but also in other developing markets. Against this background, the measures that the leadership of the Central Bank is prepared to take to support the mortgage borrowers, they look like training to ensure that local financial crisis escalate...

Mobile Operators one after the other in August of 2018 returned to its tariffs abolished and a half years ago unlimited Internet. Banks.ru understood why they did it. Tariff "Limetime" ...At the beginning of 2017, the mobile operators one after another refused the unlimited Internet on their rates. The necessity of this step are explained by the significant increase in the consumption of Internet traffic and the need to reduce the load on the network. In a particularly awkward situation and got the operator "MTS" with its tariff "Bezlimita", which after the abolition of the social networks jokingly suggested to rename "Limetime". Grocery widget But it's only been about a year and a half, and unlimited Internet suddenly came back. 14 August 2018 unlimited...

NPCs introduced into disputable model, allowing to return the card "the World" means within the chargeback for the month. Banks.ru explains the details of the new model. what it Debate is the problematic situation that arises from the client — natural person if paying by credit card. It can be associated to a technical error, but more often occurs because of improper behavior of the seller of goods or supplier of services. The dispute can be called an analog of the trial, but without a trial. into disputable model exists in all major payment systems. Her schemes are just about identical. The buyer and seller in the process is almost not involved — the main dispute is between the issuing Bank and the acquiring Bank. The arbitrator (the ultimate "fixer" of...

In "National ranking" Banks.ru over the last month, there were dozens of complaints of entrepreneurs on transactions and freeze accounts. And unpleasant fee that charged by the Bank with "suspicious" customers. 48 hours to rehab How to write a user forum, the "RAID" on small businesses announced Tinkoff Bank. In August they left more than 30 negative messages about locking accounts and transactions. As a rule, problems arise because of the fact that customers are unable to promptly comply with the requirements of the Bank and provide the necessary documents. Often the company has just 48 hours. "since I do construction, I failed in two days to collect all the documents, some invoice was the drivers, as some did in the factory, in connection with which the...

Russia ends which lasted more than two years, the cycle of falling interest rates on deposits. The threat of inflation after the increase in VAT and the struggle for the preservation of customers are forcing banks to raise Deposit rates. Average maximum bet top 10 Russian banks on deposits of individuals in rubles for the third decade of August amounted to 6.56% vs 6.32 per cent for the second decade of the month. The index value for the last reporting period, the Bank of Russia published on Monday, September 3. Thus, compared with the previous ten days this indicator has grown by 0.24 percentage points. The maximum rate at the end of August — the highest since the second decade of March this year (when it was 6.66%). The minimum for all history of...

Russian banks from September 1 will start issuing loans to the population in the new environment: higher rates they will have to create more reserves. Whether it is difficult to get a loan? Good appetite? Worse! the Second time this year the Central Bank will try to cool the market of consumer crediting. To the issuance of unsecured loans has become less profitable for banks, they are ordered to apply the new risk factors. We are talking about loans, the full value of which exceeds 10% per annum. According to the regulator, unsecured loans at a rate below this level, the market is now there, so the new regulations will apply to a wide range of products. the Last time these regulations were updated in may. In July, the regulator announced the re-tightening...

Wages stopped growing not only in Russia but also in the developed world. In Russia explain this stagnation. But even where the economy is growing, it is not reflected in the wallets of most people. Since the beginning of 2013, the growth in real wages in the U.S. is about 2% per year. But earlier, before the crisis of 2008-2009, the annual growth reached 4%, and in the 1970s and early 1980s, reached 7-9%. What went wrong? And what to expect in the future for those who live on one salary? Economists are not very optimistic. Moreover, if "clear" the current growth of revenues from statistical egalitarianism, it appears that the situation is even sadder. There are two reasons. Oil rush the First reason is inflation. Nominal wages are rising (and in Russia...

Against the background of predictions about the imminent systemic banking crisis, banks increase lending and lower interest rates on deposits. What happens in the banking system and why this is not very good customers? In 2017, the Bank of Russia reduced the key rate six times from 10% to 7.75% per annum. This year, the regulator has slowed the pace of easing of interest rate policy and to date were limited to only two cuts rates — from 7.75% to 7.25% per annum. In its press releases, the Central Bank noted that the current level of interest rates, on the one hand, it has no detrimental effect on the loans, and with another — is still an attractive savings. Dynamics of banking sector development in current year confirms the words and logic of action of the...

Counting money and creating your own financial strategy is not always a feasible task even for an adult. What can we say about the baby. Portal Banks.ru specifically to help parents have studied the financial market of toys and picked up a few interesting options. the Psychologists, pedagogues and professionals working with children in one voice say: to educate, to teach and to lay the primary knowledge kids need to begin at a very early age. In addition, the process of learning the little man is much easier than an adult. So why not grow a full financier? Even if the child will not go in this sector, the resulting skills are not exactly in vain. But to help in this difficult matter parents can toys. But not normal, and with financial bias. Option first...

Financial institutions are working with "live" money and process huge number of transactions, which is why they attract the most advanced cyber criminals. Armed with malicious software, attackers do not refuse from the "easy prey" (ordinary customers), and from the very challenging but profitable purposes — of the financial service providers. According to "Kaspersky Lab", more than half of the companies in the world believe that the weakest link in their information security system is people. In 2017, half of the cases (46% of cyber incidents) played a significant role, inattentive or insufficiently knowledgeable employees. However, even the simplest successful DDoS attack on the site of a small Bank could cost him more than 100 thousand U.S. dollars, for a...

Because Of its simplicity and features notification to customers, banks can charge an outrageous Commission of legal entities. In our case, the Commission exceeded 350 thousand rubles. It is generally legal? the Legal person is required to pay the counterparty approximately 5 million rubles in cash. As a customer of the savings Bank, he went to the Bank to withdraw the necessary amount. ... Came to the Commission more than 350 thousand rubles. This happened due to the fact that in may 2018, Sberbank raised the Commission for withdrawal of amounts over $ 5 million roubles from 0.6% to 6%. Notify once In may 2018, the Bank has changed the tariffs for servicing of current accounts. Commission for cash withdrawals from the account through the cashier of the...

Russian pensioners in the first half took loans worth 212,75 billion — 45% more than in 2017. Why are banks more willing to approve loans to retirees than working citizens? Credit 60+ In the first half of 2018, Russian banks issued to borrowers older than 60 years of 1.91 million loans totaling 212,75 billion. Such data are cited by the joint credit Bureau (OKB). The number of new loans pensioners increased by 11%, and the amount of loans increased by 45% compared to the same period last year. However, the proportion of pensioners among all new borrowers over the past year has declined slightly from 11.4% to 10.9%. But the level of approval of loans to older borrowers, on the contrary, increased. If in the first half of 2017 was approved by 62.5% of loan...