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Business / Finance

Banki.ru: themes of the day

Banking and financial news on the website Banki.ru

Found 371 items

The Bank of Russia on 13 December decided for the fifth time in a row to reduce the key interest rate. The rate was lowered by 25 basis points to 6.25% per annum. In a press release, the Central Bank has kept the wording that will assess the feasibility of further lowering the key rate. However, if the regulator promised to evaluate this feasibility on "one of the next meetings" (which in terms of the Central Bank means one of the three next meetings), this time they promised to do it "in the first half of 2020." Wait whether the population after the decision of the Central Bank of the next wave of decrease in rates on deposits and reducing the cost of lending? Deposit rates: first overclock, first brake To the easing of interest rate policy, the Central...

Drop rates on deposits makes the customer to look for other risk-free ways of saving money. Can the savings account be an alternative to deposits? Demand for the savings account exceeded the demand for deposits. About this Banks.ru said representatives of several credit institutions. In the Bank "FC Opening" balances on savings accounts this year has quadrupled from 25 billion to 100 billion rubles, said Banks.ru Vice-Chairman of the Board of Bank "Opening" Veniamin Polyantsev. the growth Rate of savings accounts are now higher than the growth rate of any other funded products in the Bank, said the head of the office of non-credit products Raiffeisenbank Maxim Stepochkin: the decline in Deposit interest rates customers are looking for other, including more...

Mortgage borrowers of the savings Bank of differentiated payments can't go to a legitimate "vacation". The Bank offers a restructuring or transition to an annuity, which can lead to significant overpayment. the Inhabitant of Samara under the name YuliyaK19 stated in the savings Bank that can't transfer her old mortgage with differentiated payments on a mortgage vacation. "But if I agreed to re-sign the contract and go to annuity payments overpayment of 200,000 rubles. Why is this happening? Ie agreeing to these terms, I roughly pay for six months of 200000 break the Bank," says a client of Sberbank (spelling and punctuation of the author saved review). With a similar problem faced by the user from Lipetsk. In response to his complaint, the employee of the...

The state Duma in the spring session to adopt the law on the new composition of the consumer basket, on which we can proceed in 2021. Its structure will be, finally, similar to the "full and healthy diet" promises Prime Minister Dmitry Medvedev. But even in the form of our consumption basket will be far behind the Western European samples, which include wine, taxi rides and pet food. Do not expect that these symbols of bourgeois life will appear in our shopping cart. And there are objective reasons. the Basket will become "full" Last fall, the Prime Minister instructed the Ministry of labor, Ministry of economic development, the CPS and the Ministry of Finance to develop a new part of the food part of consumption basket, using the recommendations of the...

Blocked the lost card? Too early to relax. With stolen business cards two months after her lock the crooks withdrew more than 100 thousand rubles. How is this possible and what should I do? 24 Aug businessman Maxim K. and his wife were vacationing in the suburbs. While the wives rode horses, thieves cleaned out the locker room and stole credit card, says the businessman. He himself lost the business card MasterCard Business Momentum, the wife of "dubatovka" and a credit card. The cards were issued by Sberbank. There was also a stolen cards of other banks. According to the businessman, all cards were blocked on a call to the banks almost immediately. "Later the person who stole my card tried to make purchases with the card in the different countries of...

Modern banking customers is no longer enough bonuses, of kesbeke and other "buns". In addition to the benefits of any want of ease, entertainment and "fun" need the sense of excitement and risk with no risk. And banks are happy to help them. When and kesbeke little the Need of the modern consumer of financial services is very strong, said Banks.PY in large retail organizations. "Bank loyalty program is diverse and constantly updated, says Maria Khromova responsible in MTS Bank for the development of customer relationships in social networks. Modern customers are already difficult to surprise and hold just discounts, bonuses or kasbekar. Proposals on the market, and customers have plenty to choose from. To replace the traditional loyalty programs, which...

"For those who seek potentially high income but not willing to take the risk." Under this slogan, the savings Bank offers to earn on their investment bonds. But do investors risk nothing? the Maximum rate that can be paid to a customer country's largest Bank, opened a contribution is 5.5%. Against this background, the offer of the savings Bank to buy investment bonds (IOS) and get yield up to 10% per annum is more than tempting. Moreover, as says the is on the background of the four comedians of the "Quartet", the Bank guarantees the return of 100% of the money invested. Par value of one security — 1000 rubles. As the amount the Bank charges a fee is 0.31%. called "investment bonds" hiding structural products, which are produced by many Russian banks and...

Collectors are increasingly turning to the courts with claims on protection of honor and dignity. Assessment NAPCA, today, every 70 out of 100 dialogues of the collectors and debtors end up with insults from the latter. "Offered to forgive 70% of the debt" the defaulter's debts, the more it goes on the increased tone and insults addressed to the collector, said Banks.ru in the National Association of professional collection agencies (SRO "NAPCA"). According to estimates of the Association, if the debtor with one duty only in 25% of cases are prone to aggression, then the two debts and more — already 70%. Every 70 out of 100 dialogues of the collector and the debtor end up insulting and belittling the dignity of the employee of the Agency. This statistic is...

Professional traders study and issuers are looking for investitii using expensive terminals like Bloomberg or Eikon. Tell where to look for financial information to those who are not so much engrossed in investing. Certainly, anyone who has opened a brokerage account and started the app on the phone, I noticed how many various information for the investor it contains. In addition to the quotations, you want to cram the most useful: information about dividends and the schedule of coupon payments to the forecasts and the elements of technical analysis. Read more about the applications for investors can be read here. unfortunately, most often, when choosing specific stocks and bonds is not enough. Therefore, many investors read regularly analyst and company...

The growth of the real disposable income of the Russian Federation for the III quarter grew 3% yoy and was very surprised economists. Another would be: in the I quarter of falling revenues was 2.5%, in the second quarter of 0.1%, Rosstat said. What happened then that made the revenues grow? And has it taken place? Economists are increasingly questioning the reliability of government statistics. Is there any reason for such suspicions? How much money have we got? going back a step. The results of the first half of 2019 showed that live below the poverty line 19.8 million Russians, or 13.5% of the population, according to Rosstat. That's more than a year earlier: then the poor counted 19.6 million (13.3% of the population). Data separate the first and second...

Banks record a slowdown in the issuance of mortgages, despite lower rates to near historic lows. Will the demand grow and when the time comes to purchase a home loan? Nevedusia result Number of new mortgages in the first nine months of 2019 decreased by 5% compared to the same period last year, according to the research of rating Agency "NKR". As consider in Agency, to market dynamics influenced by the growth rates in the beginning of the year, which considerably dropped the demand for refinancing. "If in 2018, these loans accounted for about 12-14% of all new mortgages (11,5% for the year), in 2019, their share decreased to 4-5%," — said the NKR. Excluding refinancing, the reduction in the number of new loans for the nine months was markedly lower by 6...

Not all bonds are equally safe. What signs can say about that paper or its Issuer, is something wrong? In April 2018, "Homemade money," has defaulted on bonds with a volume of 1.25 billion rubles. The borrower is not able to fulfill the offer. The company has stated that all is not going to pay the debts, not to go on about the speculators who buy at the beginning of the year paper at low prices. Then they were trading at 50-70% of the nominal value, the holders were more than a thousand private investors. the company Then promised to restructure the loan to 2022 to fully repay. But again came the defaults. A group of investors went to court and wrote a letter to the interior Ministry and Prosecutor General's office, accusing the company of fraud. And in...

"Where the more you spend there and keshbek", promises us is the "Smart card". Doesn't say how much you need to spend to get the maximum. And for good reason. the Good-natured Mike calls to strangers and says to choose a category of accrual of kesbeke owners "Smart card" is not necessary: it is automatically determined, depending on that this month the client spends the most. While this only happens in the commercials which started on 1 October this year a large-scale advertising campaign of Gazprombank. Sounds great! Even too. the Conditions on the card In Gazprombank there is a whole family of "Smart cards": credit Visa Gold, Visa Gold debit cards and debit reward Signature Visa. Misha from the video is referring to credit and debit options. The product...

Bankers are often accused of card holders abusing the bonus programs. Customers in response to complain about the failure of banks to fulfill the conditions of the loyalty programs. Who is right? "they are Upsetting you, Bank, your customer" loyalty Program was conceived by banks for getting closer with customers, and in fact became a war zone. Who started first is difficult to say. In the open stage of the conflict came when banks began to unilaterally worsen the loyalty program. "Bank "slept" changes in the market and now shifts their mistakes on the customers. Such actions by the banks is nothing but false advertising. The stated advantages of his product offset "reverse" number through a change in its bonus program... And now the Bank bounces in the...

Business Credit card is offered by Sberbank small business as an option revolving line of credit. A lot of this map works just like a credit card, "physics", but the lack of features. How to get To obtain business credit cards, you can contact the office to leave the application on the Bank website or apply via the Internet-Bank "Sberbank Business Online". After the documents have been issue of a card is approved or not. In case of approval you will need to sign a credit agreement. More precisely, we are talking about two statements on the accession to the General credit conditions of the product "business Credit card" and accession to the contract-designer / conditions of opening and maintenance of account business credit card. And to sign these documents...