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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 437 items

Recently, the Banks.ru wrote about some of the alternatives to foreign currency deposits. Which assets bring the highest income in foreign currency? This time we compare four instruments: foreign currency deposits, Eurobonds, rental business and projects added value in Europe. the Russian investors who hold or receive income in Euro, is often compared to real estate in Europe, with other profitable instruments: foreign currency deposits in Russian banks and Eurobonds of Russian issuers. As practice shows, Eurobonds — the main tool of conservation funds for wealthy Russians. These assets bring the 1.5—5.5% per annum, require no maintenance, are liquid investment tool and are suitable for long-term investment. Grocery widget bonds competing properties for...

Third holders "male" cards of the Bank "Russian Standard" are women. And for "female" cards of some of the most popular categories of spending — "male": the payment services in car dealerships and service stations. Banks.Roo studied, what is the difference between men and women in the use of Bank cards. the Female soul a survey from the Bank "Russian Standard", Bank cards, designed specifically for women and men, and different transactional behavior of their holders. And not always expected. For "female" in the map study the map taken from "Miss Russia" and "male" — "Football card". So, the "women's" Bank card, developed jointly with the National beauty contest "Miss Russia", is positioned as a product for women. However, only 62% of holders of these cards...

Bank "Renaissance Credit" figured out how to increase its network, offering consumer loans in the offices of other banks. Why banks are willing to share with each other customers and not it threatens losses at Banks.ru. the Bank "Renaissance Credit" has finished the pilot project for making loans through partner banks using services of money transfer system "Golden crown". "during November we conducted a pilot project with the Bank of Novosibirsk. The results of the pilot showed the stability of the service and the attractiveness of the offer for clients and for the partner Bank. So now, together with CFT we begin to actively involve in service of the new regional and Federal partners," said Banks.ru Director of development credit Bank products "Renaissance...

Banks often offer higher rates for short-term deposits. The Central Bank noted the increase in the share of short-term deposits and consider that in the case of stress it can lead to a significant outflow of deposits and impact liquidity. Experts predict that in conditions of declining inflation rates on deposits will become less and suggest you look at the stock market instruments. Again for 8.55 Credit institutions increasingly offer higher rates for short-term deposits. This trend is noted in the analytical service of the portal.ru. So, for deposits with a validity of three months, as well as on annual contributions, stakes reach of 8.55%. This is 3.5 times higher than the current annual inflation rate, which according to the Ministry of economy is 2.4%....

Borrowers of microfinance institutions are not as poor as commonly believed. Studies of MFIs indicate that increasing the income of borrowers and the average amount of loan taken by them. Moreover, among the borrowers of MFIs, the proportion of iPhone owners. "Apple" fans experts of the analytical centre online loans "Robot Timer" analyzed data from 90 thousand borrowers who have applied for the services of the company in the first half of 2017. It turned out that every fifth client who took state entities in the company, is the owner of the iPhone (20 and 49%). In second place with a slightly lower result (19 and 73%) — the owners of Samsung. Completing the top three owners of Lenovo (7.61 percent). In General clients of the company were named about 40...

In this series, financial journalist Yulia ORLOVA exploring the possibilities of mutual investment funds. The reality was not so simple. the Foundation is there, but like it or not to Invest in a mutual Fund directly from the management company that controls the Fund or the agent: this is usually the Bank. This is not a cheap pleasure, often agents take 1-2% Commission c of the purchase amount (called the "discount"). When selling shares (the redemption), if the Fund owned less than six months/year is taken by the Commission in the form of overhead is 1-2% of the amount. It depends on the rules of the Fund, which can be found on the website of the management company. Small part of the funds traded on the exchange and is available to those who have opened a...

Rates on foreign currency deposits continue to grow, however, citizens do not rush to take their savings in banks. Are they right and what instruments it is best to invest dollars and euros, understand Banks ru. the foreign Currency deposits will go up? the Deposits in foreign currency for a long time remained in a General trend, the yields declined along with the ruble deposits rate of the Central Bank. And strengthening of the Russian ruble did not contribute to their popularity among the citizens. According to the Analytical center of the NAFI, the share of Russians who make savings in foreign currency, for the last three years has decreased from 19% to 13%. However, only 20% of depositors to open deposits in dollars and euros. In the end, the volume of...

Imagine this: you came into the store, but forgot the wallet at home. Went in vain? Not at all: can pay, putting a finger on the reader. Or looking at the camera. Comfortable? Quickly? Safe (wallet is at home)? the Person without transfer to third parties a year ago, few people believed in the popular technologies of Apple Pay and Android Pay. The Internet walked stories about how the sellers called the police when customers prikladyvaya phones for card acceptance terminals. Today, the ability to pay with phone is available in most retail chains, a network of gas stations, pharmacies and other mass points of sale. the first savings Bank in Russia, announced the launch of face recognition technology when logging into the Internet Bank for corporate customers...

Depression in 2017 was the theme of the annual campaign of the all-Russian health organization. Banks.ru decided to study how much it costs to recover (or even just "treated") from depression. Abnormal statistics April, According to who data, the world medical depression affects over 300 million people, of whom about 8 million Russians. Each year, about 800 thousand people worldwide die by suicide is quantitatively the second leading cause of death among people aged 15-29 years. In Russia, according to Rosstat, the mortality due to suicide is reduced (by about 13% over the past two years), but growing mortality on the background of mental disorders and disorders of behaviour (by 10% from 2015 to 2016), which include depression. Over the past five years the...

Crisis is over. The world economy is growing better than expectations, forcing economists to continually increase their forecasts for the year. Grows Europe, where experts predict a new "Golden age", increasing its oil production America, grows even Japan. And only Russia, as always, goes its own way. "the Growth fizzles out" Formally, the Russian economy will show for the year plus. The current forecast by Rosstat, GDP growth in 2017 by 1.8%. This is lower than previously thought (Rosstat expect such growth in the first three quarters of this year), although the Ministry of economic development its growth forecast of 2.1% while leaves unchanged. it would Seem that it's not bad. After two years of decline we finally grow up. However, the optimism which was...

Share card "the World" in the number and volume of card transactions in Crimea, is increasing. Now, through the national plastics is done by virtually every other operation in the outlets on the Peninsula (including the payment of goods and services by visitors). These are the findings of the study MCB, commissioned by the Banks.ru. passed POS, POS Since December 2015 the share of transactions conducted using the card "the World" in the Crimean POS terminals increased from less than 1% to 42.80% by number and 32% by volume of transactions (in total for three months). In General, the number of card transactions in retail outlets served by MCB, at the same time, "jumped" on the Peninsula more than 12 times — 614,3 thousand to 7.6 million. The volume of...

Mutual funds and individual investment accounts are perhaps the main ways for the Russians to capitalize on the growth of the stock market. Banks.ru decided to weigh the pros and cons to help readers with investment decisions. the Ideal strategy From a friend over the term of the Deposit. The money's not that serious, but even these 200 thousand rubles, he did not want to give the banks at 6-7% per annum. And decided to try to earn them on the stock market. Good example before my eyes: the same yield mutual Funds year — to-date 15-20%, and if you take the risk to invest in stocks of technology companies, you can earn even more. For example, Fund "Sberbank — Global Internet", according to the National League of management companies, since the beginning of...

We play everywhere: at home, at work, in the supermarket, in a cafe, games for children and not. Cashback, KPI , rating Uber and hall of fame — all these are elements of the game we plunge headlong. Banks.ru figured out how the game mechanisms work in the banking industry and everyday life. to work On the quest "Gamification" is the use of game mechanics in non-game context. The word fashion, but the phenomenon is not new: portraits of the best employees of the month are essentially no different from the ranking of the best players same computer games. To the game mechanics first and foremost is to look for HR: the more young people come to work, the sooner you need to figure out how to encourage them to "likes". Gamification can relate to each of us. As we...

More than half of Russians have outstanding credit. Why people are willing to take the borrowed funds from confidence in the future or from a chronic lack of own funds? Statistics and opinions of experts in material Banks.ru. the Outstanding credit grief in the family? More than half of Russians surveyed at the moment the family has an outstanding loan, most borrowers believe that will easily clear your debt. Such research data on the topic of lending leads the all-Russia centre of studying of public opinion (VTSIOM). the Bank Loan remains the second most popular way emergency obtain money from the people: three years ago (32% in 2014) and today (35% in 2017) it would, if necessary, about one-third of Russians. In the first place — to borrow from loved...

Recently in mass-media there were messages that from next year the SIM card can be an identifier of the individual citizen in Russia and replace him with a passport. Banks.ru decided to investigate whether the identification of the individual SIM cards in the near future. And than it threatens us. While the head of the Duma Committee on financial market Anatoly Aksakov has denied this information, explaining that we are talking only about the possibility of identification via the SIM card, but not on replacement of the passport of the citizen of the "Simcoe". What happened? And that made a very important step towards electronic identification. Yes, until the paper no one in Russia does not cancel completely and a passport to replace the SIM cards is not...