"AyManiBank": mavuto, mlingo, Ndemanga kasitomala

"AyManiBank" vuto lomwe zimasokoneza kusakhutira pakati pa kuchuluka zina makasitomala, mpaka posachedwapa anadziwika kokha mu Gorno-Altaisk. Mu zaka ziwiri zapitazi bungwe ndalama zambiri, ndipo zimenezi zimathandiza kuti apite ku mlingo boma ndi kukhala pa ndime ndi mabanki waukulu mu dziko. Pa nthawi, maukonde nthambi tichipeza maofesi 31 mu madera osiyana a Russia. Institute of Finance amangogwira ntchito ndi anthu amene akupezeka osiyanasiyana ntchito. Mwa bwana pali madipoziti ndi yobwereka mabokosi otetezeka gawo, osiyanasiyana mankhwala ngongole. The utumiki wotchuka, amene atchula kwa anayambitsa monga "AyManiBank" mu St. Petersburg ndiponso mizinda ina ya dziko - ndi ngongole galimoto.

Mbiri ya gombe

Kuweta banki chifukwa kutsegula bungwe ngati "AayManiBank" vuto lomwe wathunso pa mavuto azachuma, panalibe munthu kutsegula mu 1992 "Altayenergobank". nkhani yake inatha mu 2013. Nthawi imeneyi mu dziko chuma chifukwa cha kukonzanso kutentha ndi "AyManiBank" amapezeka. Mu magawo oyambirira "Altayenergobank" ntchito kokha mwa m'dera lomwelo. Kuyambira cha m'ma 2000s, kasamalidwe ka bungwe watenga nkhani yaikulu kuti mupewe mlingo feduro. Popeza 2009, Institute akulowa mndandanda wa pamwamba 500 mabanki m'dziko. Pambuyo rebranding, ndi kampani udindo ndalama chimasintha adiresi ya ofesi yaikulu, lomwe tsopano anasamukira ku Moscow. Mu 2013, pali kusintha kotheratu kwa njira ya chitukuko cha Institute. Ngati mu 2012 chamene wakhala ogula ngongole, ndiye, kuyambira mu 2013, khama lalikulu anali pa kamangidwe ka ngongole galimoto. Pakutha 2014 "AyManiBank" mavuto amene sanathe kumvetsetsa mmene kuloŵedwa m'malo ake, anali kale analowa mndandanda a mabanki pamwamba khumi mu dziko ndi buku la chikalata ngongole kugula galimoto. Lero, galimoto ngongole kukhala patsogolo. Pa mlingo wokwererapo anaukitsidwa, ndi mapulogalamu ena kubanki.

Yogwira chitukuko cha ngongole galimoto

Monga tanena waukulu banki mankhwala Institute - galimoto ngongole. Ndi mbali iyi ikuchitika ntchito yogwira ikuchitika kusakanikirana ndi Intaneti wogulitsa kukhazikitsa magalimoto. Mwadongosolo anapanga mabungwe atsopano, kuwonjezera mndandanda wa mfundo kumene makasitomala mukhoza kutenga ngongole. Ambiri mankhwala, kupatulapo zopereka umalimbana makasitomala amene kale galimoto ngongole. Iwo akhoza amangoona ngati kuwonjezapo yabwino ndi kopindulitsa mathandizidwe ngongole. Kwambiri kasamalidwe tcheru amalipira banki yabwino mabungwe ogula kulikonse mu dziko. Aliyense kasitomala ndi kupezeka ndi zipangizo monga nkhani munthu pa webusaiti boma la Institute ndi Intaneti banki "AyManiBanka" - "I-Dinani". mwayi akutali nkhani zonse zilibwino. Mndandanda wa ntchito Internet mwadongosolo kukodzedwa, mwayi, kusintha mlingo wa chitetezo. Kukambirana ndi makasitomala atsopano osiyanasiyana, kasamalidwe banki a nthawi zonse kuwonjezera mwayi ku mbali ya malipiro a ntchito zake, kupereka koposa njira zatsopano mawerengedwe. Lero, galimoto ngongole akhoza udzabwezeredwa pa mawu wapadera ŵakwenera kudzera m'magulu amenewa malipiro monga "Mtsogoleri" ndi "JCB", "Rapid" ndi QIWI, CyberPlat. "AyManiBank" mu St. Petersburg ndi maudindo ake ena m'dziko ndinu mamembala a "United Kwawokhawokha System" M'gululi 120 mabanki zoweta, kupanga nthumwi 40000th.

Reviews ntchito Bank a

"AyManiBank" ofesi malo amene zosavuta kupeza ku midzi yaikulu ya dziko, anakopeka unyinji wa makasitomala ndi mfundo zomwe zinachititsa kuti zikamera wa nambala yaikulu ndemanga za mgwirizano ndi Institute. Akatswiri anachititsa ziyenera a ambiri ndemanga, anagwirizana mfundo yakuti banki ubwino ndi kuipa. makasitomala ambiri mu njira zabwino kulankhula za zosiyanasiyana mapulogalamu galimoto ngongole. Mokondwa anasangalala ndi kubweranso kwa ndalama ndalama ku banki ndi kugula mafuta khadi anayambitsa. "AyManiBank 'ndemanga alibe zabwino zokha. Pali ndithu anthu ambiri makasitomala amene akudandaula za mbiri n'ngwokayikitsa wa salons galimoto, chimene banki ali mgwirizano. Koma madipoziti, nthawi zambiri anthu kulankhula za zinthu zopangidwa mwaluso mgwirizano ndi dongosolo mwachilungamo zovuta za nawuza chidwi. Monga ngongole galimoto yekha, yomwenso chachikulu ndi pa overpayment mwachilungamo lalikulu. Pali anthu amene alandira osati olonjezedwa malonda phukusi, ndi amapunthwa pa kukana yovuta. Koma khadi "Avtokopilka 'maganizo zidzasankhidwa. Pali zambiri makasitomala akakwaniritsa ndi banki deta mankhwala. Osati opanda makadi eni kuti pulasitiki watsekedwa patapita miyezi ingapo ntchito, pamodzi ndi malo onse amene ali pa izo. Malinga ndi iwo, CB "AyManiBank" phukusi ankafunika kupereka makope a zikalata chifukwa kulibe awo Nawonso achichepere. Mu nkhani ya alipire oyambirira ngongole ndi kugula refusals galimoto inshuwalansi kubwerera zinali kuonekera.

Mavoti ndipo kanali

Kiyi zizindikiro ndalama lachokera "AyManiBank" vuto lomwe zimasokoneza chakukhosi pa gawo la makasitomala, amene ali khalidwe lililonse bungwe ndalama mndandanda wa pamwamba 200 mabanki m'dziko. Yaikulu banki zipata Banki.ru, ziyenera a makasitomala mabanki, mlendo polojekiti, anapatsidwa udindo bungwe la pamwamba mabungwe khumi ndalama dziko chifukwa cha masanjidwe dziko. Mu 2014, bungwe "Katswiri RA" wakhala anazindikira bungwe ndalama Intaneti banki ndi imodzi mwa ntchito kwambiri zinchito intaneti ya m'dzikolo. Ndizachidziwikire kuti mphamvu ya mabungwe kasamalidwe sizinachitike kugwiritsidwa ntchito mosapindulitsa. Malinga ndi ziwerengero Moody, mu 2014 kukhazikitsidwa kwa mlingo dziko lonse anapatsidwa Baa3.ru, ndi pa padziko lonse - B3. banki ikusonyezedwa wosasunthika. The bungwe "Lazaro-Mavoti" Ananenanso Bank ngati khola ndi kupereka iye mlingo mitundu BBB + ndi BB International.

Kodi sakukhutitsidwa ndi makasitomala banki a mu ngongole galimoto?

Chifukwa chakuti "AyManiBank" Ltd. imakhazikika mu ngongole galimoto, ambiri ndemanga pa bungwe ndalama chikugwirizana ndi mtundu uwu wa mankhwala. Anthu kulemba kuti pa siteji ya kalembera wa mgwirizano wa banki antchito si nthawi zonse kupereka mfundo zolondola za mawu ngongole. Pali zambiri zimene kusaina pangano akatswiri banki a anafuulira ena mawu a ngongole, ndipo pambuyo zikalata akhala anasaina, iwo ndi osiyana kwambiri. Pankhani ya ndemanga yotsiriza, apa makasitomala ndi mavutowo. Anthu pofuna kupulumutsa nthawi yanu, monga musavutike kuwerenga Mipikisano mgwirizano ndi kusaina yomweyo. Izi zimayambitsa zinthu zosasangalatsa m'tsogolo, pamene inafika nthawi kuti malipiro apamwezi. kusakhutira amenewa Tingaone osati poyerekezera ndi mabungwe monga "AyManiBank" mu Moscow, komanso poyerekezera ndi mabanki ena. Mosiyana ndi ndemanga zoipa za kampani mungapeze mawu ambiri oyamikira kwa makasitomala amene amagwiritsa anasankha galimoto ngongole ndipo nthawi kukwaniritsa udindo wawo kwa iye.

Zam'tsogolo

"AyManiBank" mlingo umene uli mkulu zokwanira kwambiri si kwambiri ndi banki wamba monga utumiki kupereka akuthandizeni kupeza ndi galimoto ngongole. Chimodzi mwa ukatswiri wa banki - ndi ngongole wotetezedwa ndi magalimoto. Tsopano pali pafupifupi 30 nthambi kudutsa dziko, kasamalidwe akufuna kutsegula nthambi osachepera 50. Offices adzakhala ili aliyense distilikiti boma la Russia. Izo mwamsanga ndi efficiently kugwira ntchito yokonza makasitomala onse makampani. M'tsogolo, anakonza okhudzidwa kosamalira ndalama ndalama zakunja, umene kutsegula njira za kukhazikitsidwa kwa mazana a mabanki pamwamba Russian. Ganizo kudzachitika mu zaka zitatu. Kwa zaka zisanu anakonza kunja kwa kutsogolera malo banki mu gawo ake a ntchito. Ngati timakhulupirira dongosolo bizinesi ya gombe, amene tsopano akuyendera patsogolo, m'tsogolo adzakhala kukula yachangu mabungwe ndalama dziko.

Lipoti pa May 1, 2015

Institution "AyManiBank" amene kudalirika ndi pa mlingo mkulu, limabweretsa gulu la sing'anga-kakulidwe mabanki Russian. Iye alimo malo 170th pa chuma khoka mu gulu ili. Pa May 1, 2015 chuma ukonde wa mabungwe a zachuma anakwana rubles biliyoni 22.87. Total chuma chaka chinawonjezeka ndi 8,12%. kukula Ofunika anali kungasokoneze kubwerera pa chuma ROI. Malinga deta kwa lipoti nthawi yotsatira, pa April 1, 2015 malire utachepa kuchoka 0.76% kuti 6.63%. Moody`s bungwe inanena kuti bungwe ndalama umamumvera ngongole chiopsezo, ndi ngongole amakhalabe otsika mu 2015. Pali mwayi uliwonse wa limaluluza zina. Poyerekeza ndi akuti 2014, umene taonera, zinthu wakhala anakula. Ngati mukuziyenereza ntchito ya banki ndi mabungwe ena ndalama gulu ili mu dziko, ndiye n'zovuta kuitanira negative. The bungwe ndalama sanagone kuthana ndi makonzedwe a wogwirizira ndi liquidation kapena ndondomeko bankirapuse. Ngakhale mavuto amene khalidwe la yonse chifukwa cha gawo lonse ndalama dziko, anayambitsa alibe disclaimed udindo. Kuwonongeka kapena kuchepa mu ziwerengero kwa nthawi 2014-2015 gg. Ndi ochuluka anawona monga mwakale, osati wonongeka. Pansi mmene vutoli anali pafupifupi onse mabanki, ndi "AyManiBank" yotero. chakuti iye lidakali ndi kukuza maukonde ake a nthambi, ngakhale zinthu lolimba zachuma, kokha bwino kasitomala kukhulupirika ndi kumawonjezera mlingo wa kukhulupirirana.

Mabuku

Institution "AyManiBank 'madipoziti anakopeka wokangalika. Ichi ndi chifukwa cha kuchuluka zambiri za magawo ndi mabonasi, zomwe ndalama zambiri ayesedwa. Atchule mitengo ndi mkulu ndalama msika chidwi, zomwe osiyanasiyana monga 13,07% kufika pa 15% malinga mwambowu. The bwino kupereka ndalama bungwe - ndi 16,29% kwa gawo, amene amasamalila capitalization chidwi. Pa nthawi, bungwe ndalama awapatsa anakwaniritsa udindo wake, ndi malipoti omwe sanali kupereka chidwi kapena chopereka chachikulu panobe. Pali anthu amene amakamba za malonjezo bungwe ndalama. "AyManiBank" miyala ya anthu zachilengedwe amatenga lero, wapereka mmodzi wa TV kasitomala kumapeto kwa gawo lapansi. Munthu angathe kusunga kusintha pang'ono mu buku la madipoziti ndi kuwonjezeka kufanana kuchuluka kwa ndalama mwini wa banki, ndi mtolankhani nkhani ndi MKB palimodzi. Chidwi mwankhanza ngongole pa miyala ya bungwe ndalama chinawonjezeka ndi za 10,4%, kuchokera rubles biliyoni 17,4 kuti rubles biliyoni 19,21.

chuma madzi

Pakati pa katundu madzi a banki wokwatibwa ndi njira imene posachedwapa akhoza lidzasinthidwa ndalama kubwerera depositors awo ndi kuti athe kukwanilitsa zamabungwe ake. Liquidity - ndi chigawo chimodzi cha kudalirika. Liquidity wa chuma zikusonyeza kuti mwezi watha analemba kusintha mu buku la sheya kwambiri madzi, amalembedwa kuwonjezeka ndalama pa dzanja ndi banki nkhani ya Russia. Interbank ngongole kuchuluka, ndipo kwambiri madzi katundu kutenga kuchotsera chifukwa ndi kusintha zasintha ndi chithunzi cha rubles biliyoni 4,01 kuti rubles biliyoni 9,78. Pa nthawi lipoti lomaliza "AyManiBank" miyala ya anthu zachilengedwe chinawonjezeka ndi kangapo, amene anali limodzi ndi kuwonjezeka mu ngongole kwa makasitomala. Mu yomweyi, chaka chatha wa bungwe ndalama mogwirizana ndi mmene chuma chikuyendera zimene zinkachitika mu dziko, likulu outflow m'chaka kuchuluka kwa rubles biliyoni 1,08 kuti rubles biliyoni 1,75. Kuyerekezera chuma madzi ndi kuchuluka kwa likulu outflow amapanga chiŵerengero 558,26%. Izo zimasonyeza malire kwambiri za chitetezo, okhoza kugonjetsa kwambiri outflow la likulu, osati kuti chikuchitika pakali pano.

Polongosola mwachidule

Akuona zinthu ndi "AyManiBank" banki (ndemanga, mavoti ndi ziwerengero), akatswiri anatchula gulu la bungwe ndalama poyerekezera ndi mabungwe odalirika. Ndi bwino kwa ndalama, koma kuchuluka osapitirira inshuwalansi operekedwa ndi mabungwe gawo inshuwalansi kuchuluka kwa rubles miliyoni 1.4. Kuchepetsa mlingo wa Moody, ndi zoipa ankaziona nthawi yaitali, kuphatikiza, chimene chinapangitsa chipwirikiti pakati depositors, lili zochepa kuchita ndi zochita banki lomwe ndi mmene chuma chikuyendera kuti zachitika lero m'gawo la Russia. banki yokha chabe chiwerengero cha buku la chikalata galimoto ngongole, koma sanali kuphwanya malamulo ndipo akupitiriza zonse akwaniritse udindo wake onse makasitomala. Grounds nkhawa za ndalama palibe lero, ndi ambiri a ulemerero wa bungwe gawo inshuwalansi. Makampani ochenjera ali osavomerezeka kuti apereke chifukwa chakuti mu chochitika cha zochitika chowawa chuma chawo akhoza kungoyankha zii. Pankhani mayankho kasitomala, anapeza zabwino ndi zoipa. Monga mmene zinalili ndi mabungwe ena ndalama dziko, kukwaniritsa zofuna za aliyense n'zosatheka. Komanso, anthu okha chifukwa cha kusasamala awo ndi kunyalanyaza kugwirizana ndi mabanki kugwirizana phindu vuto lawo yeniyeni ndi zikhalidwe ndiye kusonyeza mkwiyo wawo. A chisamaliro pang'ono, tinafotokoza mwatsatanetsatane za zikhalidwe za mgwirizano wa, yoyenera banki mankhwala - ndi mgwirizano ndi banki adzasiya zidindo okha zosangalatsa. Pa aliyense amati mabungwe utumiki wapadera kuvomera nthawi yomweyo.