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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 398 items

Modern banking customers is no longer enough bonuses, of kesbeke and other "buns". In addition to the benefits of any want of ease, entertainment and "fun" need the sense of excitement and risk with no risk. And banks are happy to help them. When and kesbeke little the Need of the modern consumer of financial services is very strong, said Banks.PY in large retail organizations. "Bank loyalty program is diverse and constantly updated, says Maria Khromova responsible in MTS Bank for the development of customer relationships in social networks. Modern customers are already difficult to surprise and hold just discounts, bonuses or kasbekar. Proposals on the market, and customers have plenty to choose from. To replace the traditional loyalty programs, which...

"For those who seek potentially high income but not willing to take the risk." Under this slogan, the savings Bank offers to earn on their investment bonds. But do investors risk nothing? the Maximum rate that can be paid to a customer country's largest Bank, opened a contribution is 5.5%. Against this background, the offer of the savings Bank to buy investment bonds (IOS) and get yield up to 10% per annum is more than tempting. Moreover, as says the is on the background of the four comedians of the "Quartet", the Bank guarantees the return of 100% of the money invested. Par value of one security — 1000 rubles. As the amount the Bank charges a fee is 0.31%. called "investment bonds" hiding structural products, which are produced by many Russian banks and...

Collectors are increasingly turning to the courts with claims on protection of honor and dignity. Assessment NAPCA, today, every 70 out of 100 dialogues of the collectors and debtors end up with insults from the latter. "Offered to forgive 70% of the debt" the defaulter's debts, the more it goes on the increased tone and insults addressed to the collector, said Banks.ru in the National Association of professional collection agencies (SRO "NAPCA"). According to estimates of the Association, if the debtor with one duty only in 25% of cases are prone to aggression, then the two debts and more — already 70%. Every 70 out of 100 dialogues of the collector and the debtor end up insulting and belittling the dignity of the employee of the Agency. This statistic is...

Professional traders study and issuers are looking for investitii using expensive terminals like Bloomberg or Eikon. Tell where to look for financial information to those who are not so much engrossed in investing. Certainly, anyone who has opened a brokerage account and started the app on the phone, I noticed how many various information for the investor it contains. In addition to the quotations, you want to cram the most useful: information about dividends and the schedule of coupon payments to the forecasts and the elements of technical analysis. Read more about the applications for investors can be read here. unfortunately, most often, when choosing specific stocks and bonds is not enough. Therefore, many investors read regularly analyst and company...

The growth of the real disposable income of the Russian Federation for the III quarter grew 3% yoy and was very surprised economists. Another would be: in the I quarter of falling revenues was 2.5%, in the second quarter of 0.1%, Rosstat said. What happened then that made the revenues grow? And has it taken place? Economists are increasingly questioning the reliability of government statistics. Is there any reason for such suspicions? How much money have we got? going back a step. The results of the first half of 2019 showed that live below the poverty line 19.8 million Russians, or 13.5% of the population, according to Rosstat. That's more than a year earlier: then the poor counted 19.6 million (13.3% of the population). Data separate the first and second...

Banks record a slowdown in the issuance of mortgages, despite lower rates to near historic lows. Will the demand grow and when the time comes to purchase a home loan? Nevedusia result Number of new mortgages in the first nine months of 2019 decreased by 5% compared to the same period last year, according to the research of rating Agency "NKR". As consider in Agency, to market dynamics influenced by the growth rates in the beginning of the year, which considerably dropped the demand for refinancing. "If in 2018, these loans accounted for about 12-14% of all new mortgages (11,5% for the year), in 2019, their share decreased to 4-5%," — said the NKR. Excluding refinancing, the reduction in the number of new loans for the nine months was markedly lower by 6...

Not all bonds are equally safe. What signs can say about that paper or its Issuer, is something wrong? In April 2018, "Homemade money," has defaulted on bonds with a volume of 1.25 billion rubles. The borrower is not able to fulfill the offer. The company has stated that all is not going to pay the debts, not to go on about the speculators who buy at the beginning of the year paper at low prices. Then they were trading at 50-70% of the nominal value, the holders were more than a thousand private investors. the company Then promised to restructure the loan to 2022 to fully repay. But again came the defaults. A group of investors went to court and wrote a letter to the interior Ministry and Prosecutor General's office, accusing the company of fraud. And in...

"Where the more you spend there and keshbek", promises us is the "Smart card". Doesn't say how much you need to spend to get the maximum. And for good reason. the Good-natured Mike calls to strangers and says to choose a category of accrual of kesbeke owners "Smart card" is not necessary: it is automatically determined, depending on that this month the client spends the most. While this only happens in the commercials which started on 1 October this year a large-scale advertising campaign of Gazprombank. Sounds great! Even too. the Conditions on the card In Gazprombank there is a whole family of "Smart cards": credit Visa Gold, Visa Gold debit cards and debit reward Signature Visa. Misha from the video is referring to credit and debit options. The product...

Bankers are often accused of card holders abusing the bonus programs. Customers in response to complain about the failure of banks to fulfill the conditions of the loyalty programs. Who is right? "they are Upsetting you, Bank, your customer" loyalty Program was conceived by banks for getting closer with customers, and in fact became a war zone. Who started first is difficult to say. In the open stage of the conflict came when banks began to unilaterally worsen the loyalty program. "Bank "slept" changes in the market and now shifts their mistakes on the customers. Such actions by the banks is nothing but false advertising. The stated advantages of his product offset "reverse" number through a change in its bonus program... And now the Bank bounces in the...

Business Credit card is offered by Sberbank small business as an option revolving line of credit. A lot of this map works just like a credit card, "physics", but the lack of features. How to get To obtain business credit cards, you can contact the office to leave the application on the Bank website or apply via the Internet-Bank "Sberbank Business Online". After the documents have been issue of a card is approved or not. In case of approval you will need to sign a credit agreement. More precisely, we are talking about two statements on the accession to the General credit conditions of the product "business Credit card" and accession to the contract-designer / conditions of opening and maintenance of account business credit card. And to sign these documents...

The Bank of Russia continues to struggle with unsecured consumer crediting. The growth rate of retail portfolios, though slow on the banking sector as a whole, but remain elevated for many players. in short - the Main contribution to the growth of retail lending in absolute terms, making the national players. is the Largest state-owned banks lend to people moderately, however, much greater activity is shown by their "brethren" smaller. - the Classical retail banks grow modestly. - the race of the lending leaders today are primarily large private banks. everybody Dance According to Central Bank data, the nominal volume of Bank loans to individuals for the period from the beginning of January to beginning of October 2019 rose by almost 15%. By the end of...

A Sharp reduction of the key rate in October has hit bond yields, but investment in them is still cheaper deposits. Continue to monitor fixed income instruments. Bonds bring lower returns to investors. The October rate cuts, the Central Bank immediately by 0.5 percentage points raised the index of government bonds RGBITR to a historical maximum: now its yield fell to 6.36%. In January the yield of gobongo was 1-1. 75 percentage points higher, depending on the duration. For investors who bought bonds in the last year or beginning of this, there is a reason for joy: in addition to good rates, they had to get coupons. According to calculations the main analyst of the company "Region" Alexander Ermak, the average price of government bonds in the first nine...

Took Advantage of the privileges from the Bank and became a tax debtor. How is this possible and do I have to pay personal income tax on bonuses of kesbeke and gifts from the Bank? the User Banks.Roux under the name of the facilitator in 2018 was a customer of Alfa-Bank and enjoyed the privileges of the holder of the "Max+". "And this year received from the tax fine notification stating that I owe them 13% 13 890 rubles," — he said in the "people's rating". Notice from FTS came on the basis of the Declaration to the tax provided Alfa-Bank. It was specified income of the user, which he allegedly received from the Bank as a gift. The notice has caused confusion among former client of Alfa-Bank: since when for the gifts received on Bank loyalty programs need...

Two thirds of Russians have no savings, moreover, half of them do not expect to accumulate any amount in the next year, found the analytical center NAFI. Will discuss six strategies that will help you start saving money even with a small income. Habit, brought to perfection please Rate what percentage of income you can safely send to savings. Experts in personal Finance are advised to defer from 10% to 30% of salary. The most important rule in this strategy — first the delay, then spend. If you develop such a habit from difficult, you can open a savings account and configure auto-refill on the day of salary transfer or down payment — this service is offered by many major banks. Divide and save To the money to save, not spend, need motivation. For some...

The Company "Yandex" under threat of reorganisation due to a new bill to limit the share of foreigners in the Internet. What is happening to the largest Internet search engine, and what may end the dispute with the government for its shareholders? What are you afraid of foreigners "Yandex" — the largest Russian IT-company with a market capitalization of about $ 10 billion, its securities are traded on the Moscow exchange and Nasdaq. Until recently, the shares of "Yandex" has shown a good growth in three years, their cost has doubled. However, on 11 October the company has experienced one of the most powerful blows, losing during the day about 2 billion dollars, the quotations of its shares fell by 20%. The reason was the discussion in the state Duma the law...