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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 423 items

In theory, the reduction of the key rate of the Central Bank should increase the availability of credit and further reduce the attractiveness of Bank deposits. But in practice the situation may develop differently. After the September and December 2018, the Bank of Russia has twice preemptively upped the ante, expecting increasing inflationary risks following the increase in VAT this year, the regulator three times already eased interest rate conditions. The banks began to cut rates in advance. And mainly reduced the rates on deposits, while loans for people dropping extremely reluctant. Average maximum rate on ruble deposits, which the Bank of Russia expects for the ten largest market players reached its peak in March 2019 (of 7.72% per annum). Since then...

Is the analyst, but no dividends. There are quotes, but you can't buy. Banks.Roo studied the capabilities of the mobile application from Russia's largest brokers. Almost every broker offers to its clients the app for Android or iOS. This is useful especially if you have no time and desire to spend hours online trading platform. However, the possibilities of mobile Commerce services vary considerably. For the investor the functionality of the application can be a determining factor when choosing a broker. the Banks.ru tested apps that offer investors the largest market participants, comparing them according to several parameters: what securities can be traded; the convenience of the service (subjective criterion showing how easy it is to use the functions of...

"Hit" a Bank of season 2019 steel phone Scam, stealing money from Bank cards. Why these crimes were not ready, neither the victims nor the security banks or the police? In June 2013, 65-year-old English pensioner Jenny, î the man called and introduced himself to the security officer of Tesco. He reported that her Bank card can be used by scammers. The lady was worried and told me that her account in the Bank Santander, the man on the other side of the line recommended it urgently to call. As shown later, the analysis of the telephone calls, the caller remained on the line, the session is not interrupted. When miss Parkinson scored a new room and, as she thought, called Santander, it in reality talked to another fraudster on the same phone. He gave her two...

The Russians are borrowing more and in 2021 will bring the economy to recession, the head of the Ministry Maxim Oreshkin. Why a relatively modest debt load suddenly become a problem? the Situation, a long time concern of economists, finally drew the attention of the authorities. When 15% of the population, directs payment of debts 70% of their income, it causes a social problem, said the Minister of economic development Maxim Oreshkin. Moreover, this social problem runs the risk of becoming economic, tipping Russia into recession in 2021, said the Minister. "the rising debt load is a normal part of the credit cycles in the economy — says the rector of the Russian economic school Maxim Buoys. — If the economy is growing, expectations of future higher incomes...

The Banks continue to reduce mortgage rates. But there is bad news: housing has become more expensive. Needless to hurry and buy property now or wait for better conditions? Leading banks began to lower mortgage rates in August and continued in September without waiting for the decision of the Central Bank's key rate. In the summer of Sberbank lowered interest rates on basic products mortgage lending up 0.7 percentage points. And August 12 reduced mortgage rates for families with two or more children. In the framework of the program "mortgage with state support for families with children" rates on loans are now 5% per annum. August 19, rates were lowered and mortgages for military personnel. VTB since August 1, reduced rates on mortgage loans by 0.5...

Decided to regularly buy the currency? Perhaps it's time to make a brokerage account. To understand, is it profitable to use the exchange as the exchange, Banks.Roo studied the rates of leading brokers and banks. the Majority of Russians buying dollars and euros in banks. But regardless of whether you use the services of the exchange or convert foreign currency through Internet banking, have to pay for it. The course is at the discretion of the Bank, and it will always be significantly higher than on the stock exchange. Especially in times when the currency market becomes turbulent and the ruble starts to wane. In these moments, as banks raised spreads — the difference between the sale price and purchase, thereby increasing the profitability of conversion...

Card "Sberbank Aeroflot" appeared 13 years ago. Rarely a banking product can boast of such a "longevity". But how profitable is it today? Consider the credit card category Classic. today, there are three categories of co-branded cards of Sberbank Aeroflot: Classic, Gold and Signature. The Classic card is the most mass product, so in it we will look for pitfalls. the credit Card as it is "Sberbank Aeroflot" classic is a classic card in the form in which all used: credit limit, interest and interest-free period. the Maximum standard credit limit offered by the savings Bank for this card is 300 thousand rubles — for customers "from the street". For payroll customers and active users of their debit cards, the Bank can offer an individual limit with a maximum of...

"Halva" is the most popular card installment by the number of issued copies. But along with the convenience of control the client receives a bouquet of disadvantages card linked to use of partner network. "Paste" ambitious Sovcombank started map "Paste" in March 2017. For the first half of 2019, the Bank has issued more than 3.3 million of these cards. "Paste" was originally an ambitious project by Sovcombank. Sergei Khotimsk, co-founder of Sovcombank, said in an interview that the total investment in the project for 5-7 years from the beginning of the run will be about 10 billion rubles. Only advertising in 2017 cost the Bank 1.5 billion. "Halva" as other card installments, it had to compete with two highly corrosive substances that developed in the early...

An extra Couple of subscriptions to a telephone number is not uncommon. Accidentally clicked the link, pressed the wrong button. And if, suddenly, 50? It turns out, it happens. Sviatoslav (name changed) decided to change the operator: the usual MTS became ill catch home. The transition to "the Megaphone" has passed without excesses. Rate for 600 rubles, in the package everything you need, connection great. Only now in mid-March on, suddenly, 2 500 rubles. Not knowing where he is so missed, Svyatoslav appealed to the same salon, where they received the SIM card. the Employee who gave him the SIM card was not there — he reportedly has resigned. The Manager suggested that the amount of the invoice is not surprising, because the phone number connected...

Repair in the South, cars in the North. For six months the Russians have issued 1 million applications through the service Banks.ru "the Wizard of selection of loans." What are user preferences? According to the number of applications predictably lead Moscow, but second place is occupied by Krasnodar Krai. Credit card most credit cards have become popular with residents of Tula region. And the least they are popular in the Chechen Republic: only 15% of IPC users of this region have designed such a product through our service. Most of the cards draws the youth. Among users under 30 on this product is nearly half the applications. Car loans Car loan especially popular in Karelia. With age, the interest in buying cars on credit is reduced. mortgage real estate...

The government began to discuss the use of funds of the national welfare Fund. What projects can receive support and how this will affect our economy and the ruble? the national wealth Fund is growing at a record pace. Now it has accumulated more than 7.8 trillion rubles, or 124,1 billion dollars since the beginning of the year, its volume doubled by the end of the year its liquid part can exceed 7% of GDP. This means that the money the government can spend at its discretion. For example, the execution of the may presidential decree, according to which, we will remind, Russia should be among the five largest economies in the world. How much intend to spend, is still unknown. If you believe the statements of the first Vice-Premier, Minister of Finance Anton...

Card installments could not supplant POS-loans: banks are expanding in new segments, introducing new technologies. But the new requirements of the Central Bank may be a threat to POS business. POS-crediting is one of the most adaptive and "tenacious" trends in retail banking. This segment was the first to recover after the crisis 2014-2015: the growth of the portfolio of POS-loans in the whole banking system has resumed in the second half of 2016. Banks, which traditionally was the leader in this segment continues to see his prospects and continue to develop it. We will remind, refused to work with the POS-lending, alpha Bank announcing it last fall. "POS loan is one of the main starting products for retail banks in establishing relationships with reliable...

Agency Fitch upgraded Russia's credit rating a week later, after the United States announced new sanctions. Why there is nothing strange? Two worlds Agency Fitch upgraded long-term Issuer default rating of Russia to "BBB" by returning it to the level of 2014. To sum up the assessment that our country has received from all three leading rating agencies — S&P, Moody's and Fitch — that Russia is now on par with Kazakhstan, ahead of Romania and Uruguay and is still inferior to Colombia, Indonesia and Thailand, said the head of the Department of securities with fixed yield of UK "Opening" Dmitry kosmodemyansky. the news of the rating upgrade was received in Russia with a certain bewilderment: too rich background information last weeks negative news. Russia's...

The Bank may issue on behalf of the customer credit card, even if he didn't ask for. How is this possible what are the consequences and what to do next? a Few years ago, a credit card could be in the mailbox nothing on her unsuspecting client. Financial institution sent a "promotional" plastic quite active. It was a pre-approved credit card with already set limit, the client only had to activate it. Since the practice of sending cards with customer data in the mail was not always safe, large banks from it gradually declined. But pre-approved credit cards remained. For example, the Bank can send this by courier or personal Manager in addition to other products that the customer has requested. Another option — when a Bank within the marketing campaign sends a...

On August 26, come into force new sanctions of the USA against Russia. Russian Finance Minister Anton Siluanov said that the Russian economy has successfully adapted to the sanctions and they are no longer afraid. However, the currency market had a different opinion: the dollar and the Euro for the first half of August, climbed more than 2 rubles. Who to trust: the market or the Minister? How terrible the new sanctions and what they will cost the Russians? And where at the end of the year will be the ruble? this time? now, on the 26th of August, takes effect the second package of sanctions of the USA against Russia in the case Skrobala. The reason for their introduction said, is that Moscow has provided the assurances required by American law "On control of...