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Business / Finance

Banki.ru: monitoring of the banking press

Banking and financial news on the website Banki.ru

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The Federal government introduces new measures to prevent increase in budgetary spending in the regions, budget deficits and borrowing. This limits the financial autonomy of many subjects, but at the same time reduces the risks associated with the refinancing of their debt, and increases the predictability of their budgetary policies, according to a new survey by Moody's Investors Service on the budgets of the Russian regions (there RBC). Many regions are already creating their budgets conservatively — for example, lay in the initial forecasts lower revenue than is actually. Actors are cautious amid "geopolitical uncertainty and subdued economic forecasts" and in anticipation of the growth in spending on the national projects of President Vladimir Putin...

As became known to "Kommersant", the former acting Chairman of the management Board of the Investment Bank Olga Borghardt, who served six years for embezzlement from a credit institution to 2.8 billion RUB, was never released. On the day of liberation in the Kostroma colony where it served time, came the representatives of the investigative Department of the Ministry of interior and presented to the ex-banker new charge — embezzlement of more than 8 billion rubles. Mrs. Borgardt delivered to Moscow Tverskoy district court has arrested her for two months. Previously in connection with this investigation in the capital was transferred and the former beneficiary of the bankrupt Investment Bank Sergei Mastyugin, before sentenced to eight years in prison. As...

Borrowers can take a break on loan payments for up to six months (in the law it is called a grace period). Take advantage of this opportunity will those who have not previously gone for a mortgage holiday. Another condition of housing for which the loan is charged must be the only one. The law specifies that information about the borrower qualifies for a mortgage vacation and on the basic conditions of their provision must necessarily be contained in the credit agreement. a Temporary break in payments will not be considered late, will not result in the recovery of collateral and not spoil the credit history. Although, as explained by the "Russian newspaper" in the United credit Bureau (OKB), a time still reflected in the credit file. In the graph with a...

Interest rate under the agreement of a consumer loan (loan) from 1 July 2019, cannot be higher than 1 percent a day. It decreased by half a percentage point. Also from tomorrow to 31 December 2019 the maximum amount of payments may not exceed twice the size of the loan. These changes, initiated earlier by the Bank of Russia, are contained in amendments to laws "On consumer credit (loan)" and "On microfinance activities and microfinance organizations". The main part of the innovations, stipulated by the amendments entered into force in January. In General the changes are aimed at all types of loans up to years, but fundamentally they involve exactly the microfinance market. So, until June 30, 2019, the maximum size of the loan payments is limited to 2.5-fold...

July 1, entered into force new restrictions upon issuance of consumer loans developed by the Bank. Daily interest rate is capped at 1% that the greatest impact on microfinance institutions (MFIs). Popular with the public payday loans will be unprofitable, say market participants and experts. According to the latest data of the Central Bank, the annual growth rate of the market of microfinancing of physical persons amounted to 51% on March 31, 2019. Central Bank estimates its volume at 143 billion against RUB 95.2 billion a year earlier. the Innovations already had a significant impact on the microfinance market, said RBC representative of the Central Bank: "Companies were forced to improve their scoring models and a more responsible attitude to the choice...

Microfinance market by the end of 2019 could increase by 35-40 percent, the portfolio of microloans in this case, will exceed 200 billion rubles. This forecast is contained in a new ranking of microfinance institutions (MFIs), prepared by the National rating Agency (NRA). the Number of participants of the microfinance market in 2018 and 2019 decreased by 14 percent to 1994 companies. Market loans MFIs, by contrast, continues to grow: plus 13 percent just in the first quarter. Loans remain in demand by both citizens and small businesses. "They are considered by the borrowers, as a "plan B" in case of failure of a Bank loan," says senior Director of financial institutions ratings NRA Karina Artemyev. However, this does not mean that microfinance institutions...

Russian credit organizations purchased more than 10 thousand ATMs with face recognition function, told "Izvestia" CEO of the manufacturer of such devices VisionLabs Alexander Khanin. It is expected that they can make transactions without a plastic card: the ATM will recognize a person by his appearance. However, before doing this the client will need to provide credit organizations, their biometric data will be linked to the accounts. ATMs of new generation will increase the safety of operations, and will make the process more convenient and fast, experts say. However, the Russians are distrustful of biometrics, so very popular of such services in the near future will not use. No card Russian banks purchased more than 10 thousand ATMs, identifying citizens...

Individual entrepreneurs and companies, which previously worked without the online box office, from 1 July must start to use them. this is about the hardware with the function of instant data transmission to the tax authorities. Among those who should go on such cash registers, individual entrepreneurs in the sphere of services using single tax on imputed income (UTII) and the patent system of taxation (PSN). As well as all individual entrepreneurs in the sphere of trade, public catering on imputed income and a patent that have employees. And individual entrepreneurs without employees, selling goods through vending machines. the Entrepreneurs who will ignore the installation of online cash registers, will face fines. They are awarded for everyone, not sent...

Ever-increasing rates of mobile operators are forcing credit institutions to change to inform customers with SMS push notification. However, as the experience of Alfa-Bank, the forcible transfer leads to mass discontent of citizens. As a result, banks are forced to write them a choice SMS or push notifications trying to convince the advantage of the latter method of communicating. became known"", two weeks after the full replacement SMS to push notifications, Alfa-Bank was forced to return to customers the choice of the method of obtaining information about transactions. The reason was mass discontent of citizens, which the Bank forcibly deprived of the usual channel of obtaining information. the Complaint that when connected to the service "Alfa-check...

Mark Goikhman, head of group of analysts, analysts, and financial technology, especially for "the Russian newspaper": - the Main event has an impact on the ruble exchange rate and in General for risky assets — the results of the last at the end of last week the summit of "Big twenty" in Osaka. Including the fact that the leaders of China and the United States agreed to overcoming the most acute contradictions. Decided that will not be imposed additional duties on exports from China to the States of goods of $ 300 billion. And will resume trade talks with discussion on a possible increase in import of American goods to China, loosen restrictions on the supply of equipment and components from the U.S. the Chinese telecommunications giant Huawei. In General...

The head of the Ministry Maxim Oreshkin commented on the analytical report of the Central Bank, which States that if not for the growth of unsecured consumer lending, GDP growth in the first quarter could drop to zero. "I thought in the CBA better with macroeconomics. Interesting to get the logic: the stronger will drive the population into debt, the better," Oreshkin wrote in Facebook. He noted that the task of the Central Bank is to support the level of aggregate demand for stable inflation. "It is obvious that for a given level of aggregate demand growth is greater, the more the structure of investment and not current consumption (mostly of imported goods)," — said Oreshkin. In the first quarter of 2019 GDP, according to Rosstat, grew by 0.5% in annual...

More than a third of Russians believe that for a comfortable life in retirement they will need 30 000 rubles per month. The most modest requests from current students and Housewives, and the highest claims — the military. This is the results of a survey conducted by the largest Russian non-state pension Fund — NPF of the savings Bank. the Amount of 30 000 rubles per month is considered sufficient for over one third of future retirees participating in the survey. More than a quarter of respondents (28%) believe that in old age they will need at least 45 to 60 000 rubles per month. At the same time, more than 40% of respondents believe that the size of their pensions will be from 15 to 30, 000 and without any personal savings to ensure a comfortable life in...

Microfinance market by the end of 2019 could increase by 35-40 percent, the portfolio of microloans in this case, will exceed 200 billion rubles. This forecast is contained in a new ranking of microfinance institutions (MFIs), prepared by the National rating Agency (NRA). the Number of participants of the microfinance market in 2018 and 2019 decreased by 14 percent to 1994 companies. Market loans MFIs, by contrast, continues to grow: plus 13 percent just in the first quarter. Loans remain in demand by both citizens and small businesses. "They are considered by the borrowers, as a "plan B" in case of failure of a Bank loan," says senior Director of financial institutions ratings NRA Karina Artemyev. At the same time the market is changing. Measures...

MTS-Bank has filed the application for establishing a temporary restriction on departure from Russia to co-owner GK "Luxor" (operates one of the largest cinema networks in Russia and the eponymous film distribution company) Yevgeny Lensky, according to a ruling of the Moscow Arbitration court. the Bank's claim, the court will consider on 3 September. In may, the capital's arbitration court has stopped manufacture under the statement of the Latvian "Rietumu banka" on the inclusion of obligation in the amount of 1.9 billion rubles in the register of requirements of creditors of the Lena, which is in bankruptcy proceedings. Proceedings on the application was terminated in connection with the failure of the Bank of requirements in full. the Arbitration 19...

"the Crisis that we are waiting for now, is not related to the capital adequacy of banks, problems in the financial sector," said Oreshkin on the event discussion club "Valdai" on the eve of the G20 meeting. "This is the reverse unwinding of the tangle of globalization, lowering the overall efficiency of production and productivity worldwide due to the fact that value added chains, which were placed in the most effective way will be to drift towards less efficiency." According to Oreshkin, the period of "great moderation" in the global economy, when it was restored after the global crisis of 2008, is still ongoing. It is already possible to notice some slowdown in the global economy, however, "until the crisis is far from over". To avoid a new global...