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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 421 items

In 2018, banks will increase the size of the down payment on mortgage loans: as of January 1 for loans with a down payment of less than 20% tougher risk ratios. This decision was taken by the Central Bank to prevent the emergence of the mortgage bubble. What about those who planned to take a housing loan, but not accumulated 20% of the property value? 300% risk the Bank of Russia tightens the requirements for the mortgage with a small down payment. From 1 January 2018 for these loans are increased risk factors. So, loans with an initial payment less than 20% assign a risk weight of 150%, less than 10% — 300%. The regulator believes that mortgage loans with lower down payment can be a source of financial stability risks. "Analysis of historical data shows...

Foreign investment is becoming increasingly popular. Recently, The Banks.ru told how to invest in the us stock market. Another way to invest in the Western market, to purchase units of mutual Funds. In which assets to invest the funds specializing in foreign investments, and whether to invest in them? In mutual funds for qualified the Stable growth of the American and European marketplaces attracts a growing number of unskilled investors from Russia. This year, investments in foreign assets look particularly attractive. The index of the largest us companies S&P 500 since the beginning of the year increased by almost 19.5%, the Dow Jones industrial rose by 24.7%. Do not lag behind European markets: for example, the increase in the EURONEXT 100 (it includes...

Banks.ru already wrote about a new problem for the Russian banking system. The most active banks-sanatory become emergency recovery. Does such a fate other banks-sanatory? Today — continuation of the short course of the history of sanctions on the Russian banking market. Novikombank + Fundservicebank Another major Bank, the process of rehabilitation under the wing of the other Bank is Fundservicebank, occupying the 64th place on November 1, 2017, with assets of 113.2 billion. His sanatorium stands under the control of the state Corporation "rostec" Novikombank, located at the border of the top 30 largest by assets (276,5 billion). After the transfer of Fundservicebank on the financial recovery of his capital became negative, and the net loss reached almost...

Awareness of your credit history is certainly not about Russians. According to the study of BCI "Equifax" and IFC's "Timer", two third of the online borrowers in Russia have never checked credit history. Doing it regularly, only every tenth. What is the risk of such reckless financial behavior? the Big secret for a small company a Joint study of the Bulgarian cultural Institute "Equifax" and IFC's "Timer" showed that the majority (two thirds) of online borrowers in Russia have never checked their credit history, and on an ongoing basis is doing every tenth one. Such data the company shared with the portal.ru. If you take the exact breakdown, it turns out that 64.2% of respondents have never in my life not interested in your credit history (KI), only 16.7...

"We coped with unemployment. Today we need to think about other tasks," — said Prime Minister Dmitry Medvedev at the investment forum in Sochi. In the past year, statistics have noted a decline in unemployment to 4.9% in August (the minimum value over three years), appeared in the media reports of her record-breaking fall, about the end of recession and beginning a new and better life. But in fact, the current decline has little in common with the economic situation. Moreover, it threatens us with new challenges in the near future. "the unemployment rate is worth watching in tenth place" By the end of October unemployment in Russia amounted to 5%, unemployed was registered 3.9 million people. The data for November, Rosstat has not yet published, but it is...

On 15 December, the Bank of Russia introduced a temporary administration in the PSB and began its reorganization via the consolidation Fund of the banking sector. This is the third time that such a mechanism and, second, to the Bank of the top 10. CBA continues to develop its banking group, remaining the market regulator. the Bank of Russia already in the top 5 banks in Russia In August, the Manager on work with VIP-clients UK "the alpha-the Capital" Sergey Gavrilov has sent a letter to customers of the company, which warned about the problems of the so-called banks "the Moscow ring" (which had close ties with each other thanks to the connectedness of securities and cross-possession): the Bank "FC Opening", Binbank, Moscow Credit Bank and Promsvyazbank...

Banks.ru interviewed banks and discovered that now there is a demand for psychologists, time-managers, blockchain engineers, specialists in machine learning and data science. Will they be able to oust the representatives of the traditional banking profession? the Linguist on the blockchain classic banking has passed, warned the head of Sberbank German Gref, speaking at "investor Day" in London on Thursday, December 14. "I don't believe in banks. If you tell me that you need to build a Bank, then it's not me and it's not our team, — said Gref. I don't believe in banking. I think banking is just one of the (form factors the Bank's activities. — Approx. Banks.ru.)". He warned that banks come on the heels of FINTECH companies that can quickly develop banking...

Another round of litigation between "Rosneft" and AFK "Sistema" has led to a sharp drop in stock prices last. Analysts are advised to refrain from purchases of securities, and affiliated companies. In a favorable outcome for its businesses, few believe. Total sale Quotation of the shares of AFK "Sistema" fell for the second consecutive week. After a slight increase at the beginning of this week they again turned around and show a negative trend. On the morning of Wednesday, 13 December, they fell by 9% in evening action "System" was trading at 10.22 ruble, losing at the end of the trading day almost 6%. The capitalization of the company decreased to 98.6 billion, since the beginning of the trials of AFK "Sistema" fell by 58%. On the London stock exchange...

Sergei Dovlatov wrote that wealth and poverty — such as innate qualities like hair color or ear for music. Some people remain poor, winning the lottery, while others, having lost everything, again cashing in fabulous condition. Banks.ru decided to test this hypothesis. "One is born poor, another rich. And money there is actually nothing to do with it. You can be poor with the money. And therefore a Prince without a single penny," — wrote Sergei donatovich Dovlatov. Banks.ru decided to test this hypothesis, asking bankers, economists, investors and young people, whether the rich are born, not made. "is Not to say that born poor will be poor always" Daria, 22 years, student: — I think wealth and poverty in principle cannot be innate. A culture of handling...

The size of the pot is no longer a guarantee of stability as well as good financial performance, and capital of credit institutions is increasingly found "holes". Thus, the analysis of banks through financial statements is more difficult from the point of view of understanding the real situation. However, in any Bank, you can find clues about its future. How to know that the Bank dies the license of the Bank or its reorganization, the market for already more familiar reality than a surprise. Even against the biggest players. In just one 2017 the market has left the Bank "Ugra" and had to urgently send to the procedure of financial recovery, such giants as "FC Opening" and the Bank, together with banks that sanitized themselves. In November 2017 in charge of...

In pursuit of high returns more and more clients of the Russian brokers choose the shares of US companies. Is it worth trying to make them non-professional investor and what you need to remember, the Banks.ru asked professional participants of the stock market. How to invest a few years ago, investing in American companies or European companies was the prerogative of wealthy citizens who opened foreign currency accounts in foreign jurisdictions, such as Cyprus. Now to try to earn on the shares of Facebook or Apple could even a layman with a thousand dollars. Enough to open a brokerage account or IMS from domestic broker — and can be traded. However, the list of potential candidates for the purchase is limited solely to Russian stocks — Moscow and St...

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%....