Amahhovisi "Raiffeisenbank" eMoscow: amakheli, Amahora okuvula, ngocingo hotline

"Raiffeisenbank Austria" yabhaliswa 1996 njengoba ebhange nge 100% dolobha Austria. ilayisensi Central Bank wakhishwa ngo-2001, lapho isikhungo lalenziwa JSC. Umlando "Raiffeisen" iqembu iqala phakathi kwekhulu XIX, lapho Isikhwama sokuqala mutual, likunike ukusekelwa nesikhuthazo kubalimi ngesikhathi sendlala. Umuntu owasungula le qembu Friedrich Wilhelm Raiffeisen.

inethiwekhi igatsha

Ngokokuqala ngqá, "Raiffeisen" ebhange uvele eMoscow ngo-1996. Ukuhlanganisa nge "Imeksbank 'siguqulwe inhlangano ebhange elikhulu angaphandle eRussia. Inqubo kabusha laqedwa ngo-November 2006. Futhi ngo-December, ibhange lenza ukuze sihlinzeke izinhlelo zabo kumakhasimende ngaphansi kwegama lomkhiqizo "Raiffeisenbank". Amagatsha e eMoscow, eSt Petersburg, Nizhny Novgorod, eKhabarovsk namuhla ukhonza th 12. Amaklayenti Corporate. Ngo-2013, lesi sikhungo credit uye wahlanganisa ATM inethiwekhi yayo nge "UniCredit Bank", futhi eminyakeni 3 - ne "BIN". Ngakho ukuthi abanikazi bamakhadi ukufinyelela ukuba abangaphezu kuka-3 ayizinkulungwane. ATM. Yonke inethiwekhi siqukethe 200 ukwahlukana ehlukile, okubalwa ezengeziwe (98), yokusebenza (86), isikweletu namahhovisi imali (6). Isevisi yekhasimende bekulokhu ayizinkulungwane 9.5. Man.

amasevisi

IBhange inikeza amaklayenti ayo amakhadi amasistimu ngamazwe. Futhi kukhicite yekhadi isikhathi somusa osebenza ku ukusebenza amasevisi yokukhokha. Hlola ibalazwe, sicela uxhumane "Raiffeisenbank" Amahhovisi e Moscow. Nale Into yokukhokha ungenza ukuthenga emhlabeni wonke. Umugqa umkhiqizo, kukhona "igolide" ikhadi ngamalungelo engeziwe, umkhawulo ephakeme. Ukuze zonke izindaba isevisi, sicela uxhumane uMnyango Zao "Raiffeisenbank". I-hotline (mahhala) e Moscow: +7 (495) 721 9100.

Lesakhiwo credit ungathola loan ukuthenga izindlu eyinhloko emakethe (zesibili) futhi refinance nezinye loans. Izimali anikezwa ngaphansi yisibambiso othengiwe. Zenzalo emalini ebolekwe umahluko kuye ngobukhulu yokukhokha phansi isikhathi ngokufaka kuthengiselana - nesivumelwano sokubolekwa izonikwa ngokushesha, ephansi izinga.

"Raiffeisenbank": amagatsha e Moscow

Enhloko-dolobha, esebenza amagatsha 85. Esikhulu eziyinxanxathela nazo isevisi amaphuzu Zao "Raiffeisenbank". Amahhovisi e Moscow, sisebente ngeLisontfo, akukho. Ingxenye amagatsha usebenze ngeMigqibelo kusukela ngo 10:00 kuya ku 17:00, "Medvedko," "On the Butcher", "Beskudnikovo", "Ryazan lemininingwane", "Sukharevsky" futhi "River Station". Phakathi nezinsuku emahhovisi 10:00 kuya 20:00 zokusebenza CJSC "Raiffeisenbank". ezinkulu izindawo ehhovisi e Moscow:

Lapha ku umsebenzi esakwazi ukwenza kanjalo, iningi amagatsha JSC "Raiffeisenbank". Amakheli e izikhungo eMoscow ukuthi usebenza ngezinsuku zeviki kusuka 9:00 kuya 20:00:

Lapha kule isheduli usebenza Zao "Raiffeisenbank". ikhanda ehhovisi Ikheli eMoscow: Str. Zintathu, 17, Bldg. 1.

ukuqashelwa

Frank Research Group inhlolovo "Uhlelo Kuhle yasebhange - 2016", esekelwe okuyinto credit "Raiffeisen Bank" ikhadi Uphume endaweni yesibili ku amakhadi emihlanu phezulu ngezisusa yohlelo lokwethembeka. Waqaphela umholi-platinum "World Map" ka "VTB 24". Imikhiqizo "Raiffeisenbank" iwine kwezinye izigaba:

• Kuwo lo nyaka, ivolumu esiphezulu zokukhokhelwa bezingaphansi ku Austrian Airlines credit card.
• Emkhakheni "benzuzo" - credit card "VsoSrazu".

Isilinganiso amaklayenti ebhange eyakhelwe amathuluzi wokukhokha. Ngakho-ke, ukuba khona okungcono ukwethembeka izinhlelo babekwazi kubangele ukuthuthukiswa yesikhungo semfundo credit. Lezi zinhlelo sandla ekukhuleni kwenani ukuthengiselana ikhadi. Ngokwezibalo, u-30% wabo bonke ukuthengiselana emakethe eyenziwa usebenzisa ikhadi lasebhange. Inani lokwenziwe usebenzisa uhlelo ukwethembeka ikhadi kwi-16% ngaphezulu.

izibalo

amakhasimende amaningi ufana Zao "Raiffeisenbank". ATM e Moscow, elise eziyinxanxathela, ukukhonza ezingaphezu kuka 2.5 million. Amakhasimende. Phakathi 2015 isibalo amakhasimende abasebenzisa amasevisi yesondlo akude, sakhula ngo-46%. I isabelo nakuyi-Internet kunyuke ngo-62%. Inani ukudluliselwa umsebenzisi ngamunye kukhuphuke ngo-5%.

yesondlo kude

Sebenzisa amasevisi ngeke nje ozodingidwa "Raiffeisen Bank" Amahhovisi e Moscow noma imuphi omunye umuzi, kodwa futhi yokuxhuma amasevisi akude: Inthanethi R-Connect, mobile R-Mobile noma R-Control. Internet Banking yasungulwa ngo-2002, kodwa kwathi isicelo ephathekayo eshicilelwe ngo-2013. amasevisi akude Via kungenziwa ukulingana izimali elawulwa ku-akhawunti yokukhokhela amasevisi abuyisele akhawunti ekhokhwayo. Ukuze uxhume inkonzo akudingeki ufune ehhovisi lika "Raiffeisen Bank" eMoscow noma imuphi omunye umuzi. Enough kwi website esemthethweni ukuze ucacise imininingwane ikhadi elivumelekile futhi wamukele iphasiwedi ukuze ungene ku "I-akhawunti yami" ngesimo SMS.

impumelelo

uhlelo Internet Banking ubuyekezwe ngo-2014. Ukuze uhlu ejwayelekile zezimali imisebenzi, imisebenzi emisha kwanezelwa phakathi kwama-akhawunti: wokuvula akhawunti, imali, ukudluliswa kwemali kwamanye amakhadi asebhange, umsebenzi nge izifanekiso, inkonzo izindleko kwemibiko. Ukuxhuma isevisi ibisitholakala nge-ATM.

Ngaphezu kwalokho, ukuxhuma R-Connect noma iphasiwedi ushintsho ngemvume kungaba imizuzu embalwa kunoma iyiphi i-ATM "Raiffeisen Bank". Ngaphezu kwalokho, isevisi ye-Inthanethi manje khulula. Lezi ngcono eziye zaholela yokuthi ezandayo amakhasimende abenze non-cash ukuthengiselana: mezhkartochnye (kuhlanganise currency) Ukudluliselwa, exchange imisebenzi nge imali. Kalula ukusebenza amakhasimende baziswa ngokushesha. Mayelana 30% wabasebenzisi ozifakile isicelo ephathekayo. Kuzo zonke nakuyi-Internet-27% Kwakuseshwa nge isicelo ephathekayo.

Isevisi ye-SMS-Banking sesiphothuliwe. Amakhasimende nethuba udlulisele imali phakathi kwamakhadi futhi ukukhokhela izinsiza zokuxhumana nge imiyalo SMS. Inani elimaphakathi ukuthengiselana 2015 baba izinkulungwane 4. Hlikihla.

ukuhlelwa kabusha

Isinqumo ukunciphisa inethiwekhi lesifunda ngenxa amanani aphansi nokuthuthuka 2014. engenayo Net kwehle (ngenxa yokufuna "Impexbank") nge-62%. Inani izimali kule akhawunti kunyuke ngo-17%, kanye nabantu - 19%. Bank kubalulekile ukuba inzuzo kakhulu. Ilungiselelo mortgages, ukubolekisa umthengi kanye namakhadi - lena isiqondiso othembisayo ukuthuthukiswa, ngokuvumelana abahlaziyi JSC "Raiffeisenbank". ATM e Moscow manje kuhlanganisa inethiwekhi hhayi kuphela layo legatsha, kodwa futhi ATM "UniCreditBank" futhi "BIN".

Yezezimali Development Strategy siphinde sihlinzekele nezinhlelo ezihlanganisa nokwenqatshwa kokunikezwa kwinsizakalo yokubolekwa imoto. Ngokusho abahlaziyi asebhange, lokhu sekwandile ekulahlekelweni eside. Inkontileka entsha alikwazi ukuvulwa kusukela ngoMashi 2015. Zonke amagatsha amasha le sevisi ayitholakali kuwo wonke. izimo kwamakhasimende yesivumelwano esidala ayikashintshi.

Ngokuya ngalolu hlelo ukuhlelwa kabusha ngo-2015 ziye emahhovisi uvaliwe Irkutsk, Volgograd, Chelyabinsk, Ivanovo, Kirov, Sifundazwe izifunda. Ngesikhathi esifanayo, amahhovisi avuleka "Raiffeisenbank" eMoscow (6 amagatsha amasha) kanye ezindaweni eMpumalanga Ekude nge ukufuneka kakhulu amasevisi ebhenki - Magadan, Vladivostok, Yakutsk, eKhabarovsk, Blagoveshchensk futhi Petropavlovsk.

"Raiffeisen Bank" e-Ukraine

Hhayi kangcono isimo esifundeni engumakhelwane. Bank Ukunakekela eCrimea futhi Donbas uye eyabangela ukuncipha okukhulu ngo inethiwekhi igatsha. Ekuqaleni kuka-2013, iqembu lalinabashumayeli ayizinkulungwane 13.7. Abasebenzi abasebenza emahhovisi 822. Esikhathini ikota yesithathu ka-2014 inani labantu baqashwe kwehle izinkulungwane 10.3. Abasebenzi, futhi inani lamahhovisi kuyinto 617. Lokhu kuthambekela, ngeshwa, uyaqhubeka.

Nakuba ngo-2016 isimo lithuthukile kancane. inzuzo Ibhange ukuze engxenyeni yokuqala kwenyuke ngo 13.1% ngenxa ikota. amafa Ubude kukhuphuke ngo-4%, ivolumu imali yawela 1.8%. Umthamo isamba nezikweletu kukhuphuke ngo 1.3%. Ngo NBU simo ikota 1st of 2016, "Raiffeisen Bank" wathatha indawo 5th.

Ngo-2005, "indodakazi" Ukrainian wathenga iqembu Austria. EBRD waqala inqubo bengena enhloko-dolobha ye egatsheni Ukraine "Raiffeisen Bank" ngoJulayi 2015. IKomiti Antimonopoly ababevunyelwe ukuthenga 25% ukwabelana "Bank Aval".

izinkomba zezimali

Ngokusho imiphumela ikota yesi-3 ka 2015 emakethe Russian ibhange lifaka 14 ngokuya amafa, 11 - ngokuya dolobha, 7 - ngokuya amafa. legatsha Russian kwempahla Polish "indodakazi" RBI (€ 12,2 amabhiliyoni. Russia nase € 14.7 billion. Poland), kodwa igalelo lalo netinzuzo isakhiwo sonke ingaphezu kuka-50%. Phakathi 2015 ibhizinisi Russian wenza inzuzo ka € 253 million, kanye Polish - .. € 40 million, Nokho, inkinga athengiselwe kwempahla enenzuzo kakhulu wasuka isidingo ukunciphisa kokutshalwa kwezimali ezimpahleni okuyingozi. Umbiko uqhuba uthi ehlelelwe ukugcinwa yasebhange Russian Federation e 2017 ukuchitha € 8.2. Esinye isizathu itholakala lokuthi ukuthi imiphumela ECB ukuhlolwa ukucindezeleka ngo 2014. RBI wabonisa imiphumela umpofu phakathi amabhange European. Khona-ke kwanqunywa ukuba ukunciphisa khona emakethe ngama-20%.

ukusinda obumbi

Ngo-May 2015 kwamenyezelwa ukuthi Raiffeisen Bank International athengisa izimpahla zawo kuwufanele ruble 25.285 bhiliyoni. e Russian Federation. Iyaqhubeka ukudayiswa igama elifanayo NPF BIN iqembu. Njengoba inhloko inkampani ephethe Carl Sevelda, isu ekukhuleni Raiffeisen Qembu banephupho ziguquka zisuka Russia nase-Ukraine phakathi Czech Republic, Slovakia no Romania. Kulezi zifunda, funa enkulu amasevisi yasebhange.

Kuze kube muva nje, kungenzeka ukuthengiswa Polish "indodakazi" RBI, okuyinto ezihlobene yezimpahla Russian. Ukuze RBI sisabenza iyona ukunciphisa umbuzo kwempahla okuyingozi. Ukuze ufinyelele kulesi akunakwenzeka ngaphandle ukuthengiswa "ingane" amaphuzu. Isivumelwane uqulekile Poland ngenxa kokuqina isiqondiso ebhange. Abathengi ebhange elikhulu (phezulu 15) e-Russian Federation akukho okuningi.