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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 398 items

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...

Language schools and fitness clubs often offer their services in debt — a loan from a partner Bank approve right on the spot. But it could lead to big financial problems for clients. "We have created a revolutionary and very customer-friendly scheme of price formation for the learning," according to the website of the language school "Speak Up". The mechanism of payment of lessons is really impressive, but nice to call it difficult. It turned out after in edition Banks.ru addressed the students of the school. In July 2018, Speak Up unexpectedly closed, and yesterday's "students" were debtors of the Bank. "the Revolutionary" old scheme, which all "being" Even a cursory search for information about Speak Up and gives a reason to be suspicious. In response to...

The Russian ruble has a new problem — the economic crisis in Turkey. How dangerous it is for the rate of our national currency? In the midst of a crisis: Turkey storm the Ruble opened a new week by falling. On Tuesday, August 21, the Russian currency continued to decline, losing to the dollar 36 cents. Since the beginning of the week the dollar grew in price by 0.6%. Not helped the ruble rising price of oil. Even Friday's positive from Fitch, have retained 17 Aug country rating of Russia at "BBB-" with positive Outlook, not become a driver for the strengthening of the national currency. the Release of the rating Agency, praised Russia for the stability of economic policy, low inflation and prudent fiscal strategy, it seems, pleased only first Deputy Prime...

VTB has announced the imminent acquisition of Bank Vozrozhdenie. Post-default and more than one crisis, the private Bank will be dissolved in the structure of VTB. Is the place in Russia for private banking? the Revival will be engaged VTB last week it became known that VTB and the Fund Bonum Capital (Cyprus) Ltd. reached agreement on key terms of the acquisition of VTB Bank Vozrozhdenie. VTB intends to acquire the controlling stake of "Renaissance" (not less than 75%). The parties expect to close the deal in September after receipt of all necessary regulatory approvals and corporate resolutions of the VTB group. However, this deal may have some problems. August 15 London's High court has again arrested the shares of "Renaissance" in the suit of the company...

Russian authorities constantly told about the instability of the dollar and the dream to stop using it in the calculations. However, while there is no other currency that can compete with the us. are you Ready to open the Deposit Altino? And how many bitcoins you buy to travel on vacation? And at what rate should change rubles for "Eurasia"? All of these questions, we may need to ask yourself in the near future. An increasing number of countries are thinking about creating their own currencies for multinational transactions and refusal of calculations in dollars. Not in gold happiness the Head of VTB Andrey Kostin, the President proposed a plan of "absolute de-dollarization", and the first Vice-Premier, Finance Minister Anton Siluanov, who discovered the...

American analysts claim that in order to reduce the effects of the sanctions, Russia sold off US Treasury bonds. Country led them to safe offshore territory. Really? In the middle of June, the market has received a signal that the Russian regulator does not expect anything good from the trump and actively redistributes reserves. The U.S. Treasury has unveiled the statistics on investments in us Treasury bonds. US Treasuries are among the most liquid and safe assets, the Central banks around the world are buying them for the formation of a "safety cushion". But Russia is still in the spring dropped from the list of the largest holders of U.S. debt, announced the American Ministry of Finance. From March to may the volume of investments decreased by 84...

Social mobility is stuck. Today to break out of his social stratum and find a decent job is harder than 20 years ago. Including in Russia. Why? Your future: you will go the way of the parents. You still have a chance to get ahead, to climb the social and wealth ladder. But every year it gets tougher. The social Elevator worked well for those born between 1955 and 1975, and for younger it works far worse. These are the results of the study "the social Elevator is Broken? How to stimulate social mobility" prepared by experts of the Organization for economic cooperation and development (OECD). Today, people are much easier to fall into poverty than to improve his position. Is there a way out? "Sticky floor" We are the children of their parents, and forget...

The Ruble has retreated from the recent shock, but too early to rejoice. Ahead of the sanctions and a new race rates. Those who decided to join the dollars and euros might still have a chance. the Stop-cock from the CB the Sharp weakening of the national currency has forced the financial authorities to suspend foreign exchange intervention. The result from 68.6 rubles (the maximum rate was on Monday, 13 August), the dollar went down to 66-67 rubles. The ruble is partly helped by the recovery of the Turkish Lira. Plus began to rise in oil prices. On 14 August, the barrel of Brent was trading around 73.4 per dollar. However, by and large, the situation now is not in favor of the ruble. The sale of assets in emerging markets continues, the MSCI EM early in the...

In major cities In Russia, even the sellers are not surprised when a person pays a ring, a bracelet, a phone or a clock. NFC technology is slowly penetrating into the ATMs. How is it and why? the contacts of the "third degree" Russians increasingly embracing contactless payments. It's convenient — no need to carry a Bank card, unusual, NFC sticker for payment can be glued on any surface, innovative — the so-called payment one touch is the most popular in the largest cities of our country. the Credit organization have high hopes for contactless communication with customers. So, more and more banks launch NFC-enabled ATM. "Sberbank continues to test NFC self-service devices of the Bank. Currently 31 thousand devices equipped with NFC readers, Sberbank plans...

Russian authorities want to reduce international payments in dollars. In the United States are preparing a new series of restrictions for Russian banks. What to expect for those who have savings in foreign currency and keeps them in jars? "No problems with the foreign currency deposits of our citizens will not be" In the case of the introduction of a new package of us sanctions foreign currency accounts of Russians in banks, noted Americans, will not suffer. This statement was made first Deputy Prime Minister, Minister of Finance Anton Siluanov. "No problems with deposits — foreign currency or ruble — our citizens absolutely will not" — said Siluanov. The Minister promised that the Bank of Russia will take necessary measures to support victims of sanctions...

The support Staff of financial institutions have to face with the most unusual customers and queries. Sometimes formal relationship may turn into friendship or even love. Banks.ru has asked financial companies to share stories from the life of the units, which are constantly in touch with customers. All the names of the clients changed. the Bank "Russian Standard" "If I could!" this is an Interesting story happened with a specialist telemarketers that tried to persuade the client not to close the card. The operator talked with the client more than 20 minutes. During this time, both women were able to discuss many different topics. Specialist telemarketers trying different, unusual and creative options beliefs. At the end of the conversation, the interviewee...

The Russians borrow more money over longer term. Why banks are willing to lend more unsecured loans and cover the country with a new wave of over-indebtedness? the Loan for default loan In the II quarter of 2018 for all ncartoon banking products there has been a noticeable increase in the average amount and average life of the loan. This was reported in the study of BCI Equifax. During the year the average amount of consumer credit increased from 130 thousand (second quarter 2017) more than a third, up to 180 thousand rubles. The average mortgage loan amount is 2.2 million rubles, having increased by 200 thousand rubles. The average limit on credit cards remained unchanged at 55 thousand rubles. The study also indicated that the average period of the loan...