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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 432 items

Entrepreneurs often use consumer loans for commercial purposes. Should the bankers to apply any sanctions to the borrowers in such situations? the Revenue instead of the Association of Russian banks sent a letter to the Chairman of the Central Bank Elvira Nabiullina with a request to clarify how to proceed if issued by a private person the loan is being used for commercial purposes. "In recent years, increasingly began to be identified the facts, for example, received a loan of funds for the purchase of motor vehicles not for personal use, and generate income. Acquired by the borrowers in the loan vehicles are used as source of income (for example, to provide services of taxi, car-share, etc.), which may indicate either about the conduct of borrowers...

When buying foreign currency you may encounter with the above, because of which your expenses will be higher than planned. How not to be deceived? the Summer vacation season and, consequently, increased demand for dollars and euros. Exchangers, where the client could easily cheat, long ago outlawed, but some "clever" scheme is still used by financial institutions. • When going to the Bank for currency, be careful. Perhaps the rate shown on the display in office (street billboards has been prohibited since the end of may) does not correspond to that which will be derived. You can explain that different reasons. For example, the fact that the course is valid only when you purchase a certain amount. Before you pay money to exchange, be sure to ask the cashier...

Banks in early 2019, the become more willing to lend to "bad" borrowers. Why: over good customers or players in a hurry to reach this consumer segment to the tightening of lending rules? the Central Bank has documented a disturbing trend: consumer lending in Russia is not only slowing, but is growing at the expense of lower-quality borrowers. In the beginning of this year increased the issuance of loans to citizens with higher debt ratios (PDN). Thus, the share of loans with a PTI (payment-to-income, the ratio of monthly payments on all loans to the monthly income of the client — this indicator, the Central Bank decided to use to calculate the debt burden of individuals) above 80% in the first quarter of 2019 was 9.7%, which is 5 percentage points higher...

In Russia the third year of low inflation, at least in its official indicators. However, the inflation expectations of the Russians are extremely high — about 9-10%. Why people do not believe Rosstat and waiting for the worst? And how is unbelief to affect the real economy? Distrustful population Annual inflation in Russia in April to 5.2%, but only in this cabbage rose by 23.8%, carrots 11%. This is a short answer why the Russians have high inflationary expectations of 9.4% in April. When the representatives of Rosstat ask people how they believe will increase prices in the next 12 months, they somehow focus on the price tags in stores, and not on official figures of inflation. But consider the situation in more detail: it is sadder than it might seem at...

A Situation when a customer takes out a loan for the purchase of goods, but for some reason this product gets, is not uncommon. Debt to the Bank remains, and with it the delay and tainted credit history. Who to blame how to behave and whether to pay on this loan? In April the user Banks.Roux under the name Railnur issued online loan HomeCredit on the purchase of the phone in the shop "M. Video". "Upon receipt of the goods, the store refused me to issue in connection with a damage passport. The order was cancelled on the day credit I was told that the credit will be forfeited. It's been 2 months, but the loan was never cancelled. Calls and letters in support of don't help," wrote Railnur at the end of may in the "people's rating" of Banks.ru. (Here and...

Depositors Mosoblbank defend their right to contribute money to replenish the deposits, which were opened without restriction in duration. In the course are complaints the Central Bank, the DIA and FAS. What to do if the Bank refuses to comply with the terms of the contract? Depositors Mosoblbank joined the fight for the right to fill open in 2013 contributions. The Bank refused them the opportunity to make additional contributions on Deposit. "I Tried 18 may be replenished. Refused. Written statement. E-mail sent the message: "In response to Your request we inform you that the answer to Your query is prepared and sent to the Bank by registered mail by the Russian Post to Your e-mail address," writes on the forum Banks.ru user detroitt. "In the last month...

If you rely on savings in dollars and euros, you may want to think about where to invest the money. A simple purchase of foreign currency may not yield the expected result. Every fifth contribution to the Russian Bank opened in dollars or euros, the statistics of the Central Bank. How many citizens of currency, we can only guess. Experts say that we are talking about billions. According to opinion polls, a third of the inhabitants of our country prefer dollars because they believe the American currency the most reliable way to keep savings. the reason for the popularity of the dollar is obvious: almost continuous series of devaluations of the ruble is forcing many to look for alternatives. Ruble Bank deposits or bonds in the best case allow to extinguish a...

Prime Minister signed the plan on which the Russian economy needs to take fifth place in the world, ahead of Germany. Will it succeed? And will we live better than the Germans? one more? In 1987 Italy overtook the United Kingdom: Italian GDP for the year has added 18%, which allowed the country to become the sixth economy in the world. An amazing breakthrough, however, happened only on paper, the statistics service has decided to add to the GDP data on the shadow economy, which, as you know, in Italy is very extensive. This event went down in history under its original name — Il sorpasso ("overtaking"). of course, Russia is also involved in global GDP race. Prime Minister Dmitry Medvedev signed a plan to achieve national goals, according to which Russia has...

Banks are increasing the loan portfolio to individuals is significantly faster than Deposit. Experts warn about the risks of the credit crisis. On may 1, 2019 loans and other funds provided by banks to individuals grew at an annual rate of 23.8%, while the growth of deposits at that date amounted to 7.7%. the imbalance between the growth of loans and deposits drew the attention of the analyst of Raiffeisenbank Denis Poryvai. "We see that retail lending is growing faster than the deposits. Banks give much more credits than taking deposits. On may 1, 2019, the increase in loans amounted to 3 trillion 49 billion (year-on-year) and deposits 1 trillion 493 billion rubles, which is almost two times lower. Under normal circumstances, these indicators should be in...

While Russian indices updating the historical highs, market participants are preparing for the inevitable, in their opinion, correction. Projections from the start date of a new crisis, experts differ. Growth positive In the world as there is no trade wars, no constant threat of sanctions. And even the fluctuations in oil prices can not stop the growth of the domestic stock market. Index Mosberg holds above 2,600 points, the RTS index approached 1 300 points. Since the beginning of the month, the market showed an increase of 2.6%. Analysts say the dynamics of such anomalous. Indeed, in General, the weather in the emerging markets far from perfect: from mid-April, the MSCI Emerging Markets index is almost continuous decline. In may, he has lost about 9...

Over the past year the Turkish Lira sharply depreciated against the dollar by 33.3% (according to Bloomberg on may 23). The ruble also fell against the U.S. currency, but only by 4.9%: the devaluation of the Lira against the ruble still remains significant, and so over the past year the Russians became more profitable to stay in Turkey. The final benefit, of course, small, since a substantial part of it "eats" inflation in Turkey, which in April amounted to 19.5% in annual terms (in Russia, for comparison, 5.2 percent). the Banks.ru analyzed ten currency of 16 of the most popular among Russians tourist destinations (according to the FSB and the ATOR for three quarters of 2018): Euro, Lira, Thai baht, UAE dirham, Tunisian Dinar, Bulgarian Lev, Vietnamese...

Stock prices for gasoline soared. Should we be afraid of the fuel crisis, which warned the owners of independent gas stations? Chain reaction that stock prices of gasoline have risen sharply, said Independent fuel Union (NTS) and the Russian fuel Union (RTS) which represent the interests of owners of independent gas stations. In the period from 15 April to 15 may 2019 wholesale prices for Saint-Petersburg international Mercantile exchange rose 23% gasoline REGULAR (AI-92) and 18.5% for PREMIUM (AI-95). "With a time lag of wholesale prices are broadcast in small wholesale. For example, in the Saratov region during this period, prices for AI-92 increased by 11.2%, on AI-95 — by 10.4%, and on summer diesel 2%", — informs the STC. the Wholesale-retail margin on...

All ever breaks, including smartphones and tablets. And there is banking application, personal photos, passwords, social networking. Tell how to protect your money and data in the event of failure. the Inhabitant of Novosibirsk has asked the service center with a broken iPhone 6: the device burned from the cigarette lighter in the car. Master said that to fix would require replacing the motherboard as well as asking for a password to access the system. Fee has successfully replaced, the smartphone is earned and the client took it. And after a while his account in the savings Bank has written off 20 thousand rubles. the Client made a few mistakes, said the lawyer of the company "Glazunov and Semenov" Vadim Pautov: took the old Board, told the password, and...

For Russian investors the long-awaited time approaches: soon the company and banks will start the payment of the final dividend for the year 2018. What portion of the profits they are willing to share with shareholders this time? the Russian stock market continues to update the historical highs, ignoring the risks of sanctions and falling oil prices. On Wednesday, the index Mosberg reached level 2 639 items and, analysts say, this is not the limit. The driver market is approaching the season of dividend payments, which this year promises to be unusually generous. Now the yield payments even large companies often exceeds 10%. "The dividend yield of the Russian market is very high. The average for Mature companies it is possible to obtain a yield of about...

Russian Salaries are rising more slowly than prices. In February and March real wages (calculated with adjustment for inflation) in annual terms did not grow, and in a number of industries and all have declined. the Impact on the budget of state the growth Rate of nominal wages in March did not change compared with February, amounting to, according to Rosstat, 5.2% year-on-year. As a result real wages in annual terms during these two months is not growing, according to assessment of Department research and forecasting (SSP) of the Bank of Russia. In the Bulletin "what do the trends the" analysts of the Bank noted the slowdown in the growth of nominal wages in both the private and public sectors, and in the second case it was much stronger. "According to our...