Bank "Uralsib": nokwethenjelwa isilinganiso kule simo

Banking Services namuhla uyawuthanda cishe wonke umuntu. Kodwa ngaphambi kokuvula kulokho noma ukuthi inhlangano, kungokwenduduzo ekuqaleni Ngokutadisha ngokucophelela ezingeni ukuthi linokwethenjelwa. Abantu abaningi bazikhethele ibhange "Uralsib". Isilinganiso phezulu, okubangela ithemba undoubted. Eqinisweni, ngo-December 2016 lapho ivuliwe endaweni 22 th ngokuthembeka phakathi amabhange 600 eRussia.

ulwazi olujwayelekile

Lena - inhlangano kwezohwebo, okuyinto isamba izimpahla kuyinto 436 072 633 000 ruble. Ngo-November, ngasendleleni, inhlangano inzuzo kukhuphuke ngo-0.43% (+ kuyinto ruble 1867111 ngaphezu kwalokho), ukuze wavuka rankings ukusuka esikhundleni 23 ku 22 th.

Kusukela November 2015, ibhange ngenkuthalo ubabonisa indlela yokukhuculula indle. Noma, njengoba ibizwa, impilo sezimali zenhlangano, okuhloswe ngalo ukulungiswa kwesakhiwo, ukushintsha zinsiza nokunye okuningi. Isimo esichithwa kwendle, "izindlu Uralsib" cishe izigidi eziyizinkulungwane 81 ruble. Futhi kule nqubo ilawulwa uVladimir Kogan, oluphethe 82% amasheya enkampani.

Isizathu esenza siqiniseke

Ngo inhlangano ezifana "Uralsib" isilinganiso yasebhange okuqinile kakhulu. Futhi ayesohlangothini imiphumela ejensi kohlaziyo. Ngokwesibonelo, cabangela izinkondlo, Standard & Poors. Le nhlangano kohlaziyo phakathi izinkampani ezintathu phezulu focus ezingeni lomhlaba wonke jikelele. Standard & Poors ayabele "Uralsib" credit isilinganiso ka 'B-' benombono omuhle (idatha yakamuva - 6/16/16). Okungukuthi, isimiso, lisezingeni elinjani kancane ngaphansi kwesilinganiso (ngekwemazinga emhlaba), okuyinto has abe kakhulu kunalokhu.

Okuningi ezinhle ibhange "Uralsib" isilinganiso phakathi izinkampani elikhiphe yisibalo esikhulu sabasebenzi esingakaze ukubolekisa imoto. Esikhathini 10 phezulu, yena emgqeni 9. Esikhathini uhlu lwezinhlangano 15 ukuthi ngikhiphé isibalo esiphezulu abatshelekayo endaweni 14 kuyinto ibhange "Uralsib". Ikale eliphezulu kakhulu futhi endaweni obolekisayo - inhlangano uku 10 izinkampani zezimali phezulu engcono ukuthi akwazi ukuhlinzeka uhlelo enenzuzo kakhulu amabhizinisi amancane. Futhi okwamanje Mystery Ukuthenga Imiklomelo Award elandelayo neyaziwayo bakubo njengesinye sezizwe okungcono amabhange yangasese.

It kudingeka siyinake ngokukhethekile futhi kuyanda namuhla, ezinhlakeni ephathekayo. "Uralsib" liye langena phezulu ezintathu emkhakheni yasebhange mobile. Futhi ngathola umvuzo Markswebb Rank & Umbiko. Ngokuya ukuphepha lula sesingena phezulu-10. Futhi konke lokhu idatha - ubufakazi ngqo ukuthembeka inhlangano ezifana "Uralsib".

udumisa

Nabo futhi kufanele ukusho amazwi ambalwa. Iyatholakala ezinkampanini ezifana "Uralsib" isilinganiso yasebhange nokwethenjelwa kubuye kusekelwe le onezimpawu ezicacile Deutsche Bank AG futhi Commerzbank AG. Basuke enikezwa izinga okusezingeni ukubulawa imibhalo zokukhokha ku-euro.

Ngaphezu kwalokho, "Uralsib" wahlonishwa 2015 okungcono ikhasimende amabhange esimweni izinsimbi eziyigugu emakethe. Wabuye nguye onqobile mncintiswano ngamazwe, eyaziwa ngokuthi i- "Kuhle Ukuphathwa kobungozi". Kuyo kukhona kokuphakanyiswa kwamagama ambalwa, okungukuthi 'Uralsib "badlula" engcono kwezinhlekelele uhlelo. "

Futhi, inhlangano ehilelekile umsebenzi wokusiza abantu. Le phrojekthi, ihlelwe kuye futhi Isikhwama yezingane "Victoria", waba omunye izinhlelo phezulu 30 yezenhlalakahle Russian Federation.

mortgage

Namuhla, lolu hlobo loan zithandwa kakhulu. Ngenxa yokuthi ezezindlu kuyadingeka kubo bonke, kodwa hhayi wonke umuntu unethuba uyithenga. Ngakho, kukhona uhlu, okuyinto libala amabhange anikeza izimo best for mortgage loans ekhishwe ukuthenga izindlu emakethe yesibili. Disemba 15, 2016 kwafika izindaba ukuthi "Uralsib" ebhange lithole kule simo, okuyinto akukubi - sesingena phezulu-10.

Imibandela ezihlongozwayo ezinhle ngempela. Uhlelo engcono ubelokhu eqashelwa nge rate of 13.5% kanye umnikelo kokuqala ayi-10-30%. Nakuba zikhona nezinye iziphakamiso. "Nokuthathelwa ibhajethi", isibonelo, nge rate esincishisiwe 10.8%. Kungaba ngisho aphansi kubantu abasebenzisa imikhiqizo, "Uralsib" (amakhadi, isibonelo). Imali-20% amaklayenti omethembayo futhi 40% - for labo pheca ebhange okokuqala.

Amaphromoshini futhi izinhlinzeko okuthakazelisayo

Njengoba singabona, "Uralsib" isilinganiso yasebhange phakathi amabhange has okuqinile. Futhi ngakho inhlangano ngokuvamile uhlela ezihlukahlukene izenzakalo esengeziwe amaklayenti abo.

Ngokwesibonelo, ngesikhathi Disemba Ukunikeza "ithebhulethi mahhala!" Kusuka "Uralsib" futhi Samsung. Uma iklayenti uzokhipha ifoni loan Galaxy S7 onqenqemeni S7, ithebhulethi PC Galaxy Tab A 7.0 uzothola kuye isipho. By the way, loan uzothola isaphulelo 10%. Izinga kuyinto 15.5% ngonyaka.

"Ukuthula" amalungelo ngaphezulu nezipho anikezwa eMoscow abanikazi bamakhadi. Kubo, rink iyatholakala Enea khulula ukuqeqeshwa sibalo ukushushuluza futhi chocolate hot. Bangaphinde iqhaza umdwebo amathikithi umcimbi yesiteleka kakhulu onyakeni - Eva ukugubha uNyaka Omusha. Okuzokwenziwa wabuye ebibanjelwe rink.

Lezi izibonelo ezimbalwa nje. Ngokuvamile, akumangalisi ukuthi kungani "Uralsib" langena phezulu 10 ayemthanda kakhulu baseRussia amabhange ngo-2016. ukukala ezinjalo, ngendlela, futhi.

Yini enye engingabuye ngiyenze ukwazi?

Izinto eziningi ezithakazelisayo ukutshela mayelana "Uralsib" ebhange. Beka ku simo nezinhlangano zezimali Russian Federation kuphakeme, kodwa futhi kuthatha isikhundla okuhle ezinye izinhlu "phezulu". Ezinye hlu kuwufanele.

Ngo-November walowo nyaka, isibonelo, inhlangano uthethe endaweni yesibili ohlwini, okuyinto efakwe ohlwini amabhange elikhiphe amakhadi esikweletu ngezisusa izinhlelo yesihle. I "Uralsib" lokhu izinga ubizwa ngokuthi "Ikhaya Decent Ezinganeni". Izinga lenzalo yemali mboleko kule ikhadi lesikweletu 28% ngonyaka. Imigomo nemibandela zimi kanje: 0.5% of elanikelwa ngokuthenga ngalinye zidluliselwa ku-akhawunti yasebhange yesikhwama yezingane, ngawo kukhona icala lokwenza ngcono izimo zokuphila ezintandane.

Okuningi "Uralsib" ngoNovemba iye kufakwe izinkampani 3 phezulu ukuhlinzeka izimo best for mortgage loans nge ukuxhaswa uHulumeni. Izinga kuyinto 11,25% ngonyaka, isitolimende sokuqala - 20%, loan eside - eminyakeni 3-30.

Futhi, ibhange likhona izinkampani ezingu-10 eziphezulu, ukubolekisa okungaphephile ukuthi kukhona kakhulu ukufunwa sabantu.

Kuningi ezithakazelisayo ungakwazi ukutshela okwengeziwe yasebhange "Uralsib". Yini indawo simo kuyinto inhlangano - sicacile. Futhi, ngesisekelo okungenhla, singaphetha ngokuthi - lena yasebhange ezinhle futhi elithembekile elingasiza ngempela igunya imali yabo. Futhi ezandayo amakhasimende inyanga ngayinye - isiqinisekiso ngqo.