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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 371 items

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...

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...