Izibuyekezo ze-Savings Bank: kungani abantu abaningi kangaka ezimbi?

Savings Bank - omunye izinhlangano ngobukhulu zezimali eRussia. Inethiwekhi ebanzi yophathina amagatsha, okuyinto kuka 20,000, kubonakala, kufanele ukudala amakhasimende abo lula esiphezulu ukulondoloza. Nokho, ukubuyekezwa kwe-Savings Bank ephambene. Iphesenti isabelo esihle impendulo-akhawunti 14% wezindleko, ngokulandelana, impendulo engeyinhle yakha 86%.

Savings e izinombolo

Ngokwe generalized amabhange ukalwe eRussia, esekelwe idatha olusemthethweni isiRashiya Central Bank, ngokuya umsebenzi wezimali we Savings Bank zibalwa kuqala. Ngo-April 1, 2013 izimpahla zayo zaba 13,480,179,974 th. Ruble. Inhlangano, okuyinto oluthatha indawo yesibili, unala amafa inani ayizinkulungwane 4.312.628.588. Ruble. Ukwahlukana kusuka bonke abanye abawugijimayo yasebhange wemboni omkhulu.

Kwesinye uhlu inhlangano efanayo, okuyinto ucubungula ukusebenza izikhungo zezimali kanye credit on loans, Sberbank nayo zibalwa kuqala. ukubolekisa Ezivelele abantu kuyinto ayizinkulungwane 56.808.346. Hlikihla., Zonke ekhishwe esikhathini esidlule ngo-2012 inani ayizinkulungwane 2.550.799.323. ruble.

Ngokwenza kanjalo, amaklayenti asebhange, echaza umsebenzi izisebenzi kanye ngekhwalithi yemisebenzi enikelwa, Ushiye Izibuyekezo enjalo Savings Bank, okuyinto kwehlisa isikhungo sezezimali kule simo 30 endaweni th kazwelonke nge score isilinganiso 1.77. Umugqa wokuqala iyona yasebhange izinga isilinganiso service inkomba 4,72.

Sberbank Izibuyekezo inthanethi mayelana

ukusebenza yenkampani ukuthi ihlaziye ngokusho criteria ezintathu: neziqu kwabasebenzi, amasevisi anikezwa futhi uhlale umuhle. Ingxenye enkulu - kungcono Izibuyekezo omubi Savings Bank, ezihlobene ngabasebenzi futhi ngosekelo abasebenzisi ATM futhi inthanethi yasebhange izinhlelo. amagatsha Savings Bank e iningi yabo obuqand kukhona emigqeni ngidume, ubuso babo budabukile amakhasimende nezisebenzi ukhathele. Enye inkinga lapha - kungcono zabasebenzi ongaphakeme inhlangano, yokuntuleka kwabasebenzi futhi ngenxa yalokho, emigqeni emide ukuthi isondo zombili: abasebenzi ebhange kanye amaklayenti ayo.

Uphenyo Sberbank ukukhathazeka futhi ukungasebenzi kwe-software. ukuphathwa Ibhange sika uzama ukuxazulula izinkinga ezihlobene. Ngo-2011 inkampani aluthola eziningi IBM amaseva ne software kusuka Cracle, iyona engcono kunazo ngabaphathi semininingwane uhlelo okwamanje. Kuchithwe kule isabelomali zaba isigidi sezigidi 26,8. Ruble ngo-2011 futhi ezingaphezu kuka $ bhiliyoni 31. Ruble ngo-2012 Kuyinto ngezindleko ezihilelekile olukhulukazi IT-ubuchwepheshe phakathi amabhange Russian. Kodwa naphezu kwalokhu, kuphela 2012 kwaba ukuphazamiseka okukhulu 8. Nakuba Cracle ihlola imishini yayo ngesikhathi Savings Bank, i-akhawunti abo, lokhu kuthinta emabhange yebhange.

Ngesikhathi esifanayo sesimweni okuholela ku khona izimpahla, ukuthengiselana kanye inzuzo dolobha inhlangano kunesithembiso sibonga imikhiqizo yayo inzuzo credit, ezifana "imali Car" futhi "Mortgage Savings Bank". Ukubuyekeza, ezihlobene nale umbandela, ezakhayo iningi. Nanti iphuzu okuwukuphela labantu ibhange abanalo izikhalazo. It inomthelela ivolumu traffic futhi brand owaziwa phakathi nabantu bakuleli zwe, futhi sasesiqhutshelwa wokwabelana amahlaya phakathi amakhasimende.

Omunye kungaba kuphela ukuqagela ukuthi ngabe kunjani ngenzuzo esekhulile Sberbank, uma ekugcineni i-software, kabusha futhi ngcono izinga lenkonzo emkhakheni.