Amene ali Sberbank la Russia? mwiniwake wa Bank ndalama ya Russia ndi ndani?

Mbiri ya yaikulu banki dziko - Sberbank - ali pafupi 170 zaka. Mtsogoleri wa dongosolo Russian banki wakhala wolandirayo a mabanki ndi ndalama, mbiri amene amapita ku maziko mu 1841. Khola ntchito mabungwe a zachuma chosakayikitsa boma lokha, monga izo zinali iye ali pamtengo kulamulira mu nkhope ya Bank ku Central la Chitaganya cha Russia.

Chithunzi yotakata ntchito

Sberbank la Russia ndi wapadera bungwe ndalama zimene amapereka ntchito zake m'dziko lonselo. nthambi banki ili osati pafupifupi mzinda wa boma, komanso bwino ntchito m'mayiko CIS, Germany, Switzerland, China, Turkey ndi India. Osiyanasiyana ntchito ndalama lonse, amene akhoza zimachitika kukhazikitsidwa kwa gulu konsekonse. The mgwirizano amapereka zosiyanasiyana madipoziti miyambo ndi ngongole makhadi ndi kutumiza ndalama, inshuwalansi, ndipo ngakhale ziwongola dzanja zaogulitsa. Back mu 2013 cholowa cha makampani ndalama gwiritsitsani za 43,3% ya madipoziti onse. Pankhani voliyumu ya ngongole mbiri ya boma, ndiye nkhani 32,7% ndi 32,1% (ngongole kwa anthu ndi malamulo). Nzika anali angavomere kampaniyo ndipo n'komwe za nkhani ngati banki ndi Sberbank la Russia.

Luso mabungwe a zachuma

Sberbank wakhala akuyesetsa kukhala ndi nthawi ndi kuwongolera makasitomala ndi kuyesera kuti apereke mankhwala nzeru. bungwe Financial bwino ayesedwe, kupereka ogula mwayi chosonyeza kusamalira nkhani zawo. Ndiyamika njira yakutali, monga Intaneti banki, "Sberbank Online" ndi SMS utumiki "Mobile banki", kugawira ndalama zawo ndi kuyan'ana utuluke ndalama wakhala zambiri mosavuta. Iwo Sberbank ndiye mwini wake wa maukonde waukulu wa ATMs ndi malo POS kudutsa dziko. Ataona nawo yogwira mabungwe mu ntchito zosiyanasiyana zosangalatsa zomwe zimalimbikitsa chitukuko cha sayansi ndi chikhalidwe cha dziko. Ambiri si kanthu amene ali ndi Bank ndalama ya Russia, monga kasamalidwe ake ndi eni ndinu wamkulu kupirira ntchito zonse.

Okhawo kapena chifukwa cha mphamvu zonse?

Sberbank limabweretsa gulu la mabungwe malonda chuma ndi pa nthawi yomweyo ndi banki yaikulu mu Russia. Malinga ndi kafukufuku wa posachedwapa, kukhazikitsidwa kwa mumapezera kuti udindo wa zosiririka kwambiri, pambuyo ndi odalirika bungwe Russian ndalama. Malinga ndi ziwerengero aliyense m'mayiko ena gawo lochititsa - ndi bungwe kasitomala. Mofananamo, pali vuto Kuyamikira. Zoposa 30% ya ngongole dziko iwo anali chokongoletsedwa ndi Council Russian Security. Kukamba za chakuti banki akuchita monga monopolist, ali pachithunzichi. Mbiri ya chitukuko mabungwe ndalama m'zaka zikubwerazi lidzafika chilemba cha zaka 200. likulu mwini wa Institute ndi za thililiyoni 1.6 rubles. Poganizira funso la amene ali ndi Bank ndalama ya Russia, tikhoza kunena kuti alibe mwini umodzi Komanso kukhala ndi magawo lalikulu kapangidwe ndalama mungathe pafupifupi aliyense munthu.

Ndani amalankhula m'dzina la mwini banki ya?

Mwini waukulu wa bungwe la zachuma ndi Bank Central, Russia, Ndipotu boma zoweta. cholowa mu chimango cha likulu banki akuvomereza ndi 50%, koma kuphatikiza chimodzi kukavota gawo. Ngati ife amati kuchuluka umwini mu magawo kukavota, izo zopanda 52,32%. Osafika theka la magawo a akumeneku 270 zikwi osiyana anthu. chakhumi pa magawo ndi wokwatibwa ndi anthu ena pankhaniyo. A kotala ya magawo a bungwe ndalama zokwana ndi ndalama zakunja. Motsimikiza amene mwiniwake wa Bank ndalama za Russia, ndi mabvuto kwambiri chifukwa zochita za Institute zonse kuwagula ndi kuwagulitsa pa MICEX ndi RTS kuphana katundu kuyambira 1996. Kotala choyamba cha 2007, kasamalidwe banki a anapanga chisankho pa nkhani zina kwa masheya ogulitsira malonda, omwe analola kuonjezera likulu ulamuliro pa kampani ndi 12%. Kumbali ya ndalama chithunzi ichi limafanana rubles biliyoni 230. Mwina kudziŵika kuti 40% wotuluka onse MICEX ali mwachindunji ndi magawo a bungwe la dzikolo zopezera ndalama.

N'chifukwa chiyani wovuta kuyankha funso lokhudza amene ali mwini wake wa ndalama Bank?

Chifukwa chakuti zosakwana hafu ya Sberbank magawo ali ndi ufulu zimatengedwa, ndi mabvuto kwambiri molondola kutchula mayina a eni ake. Masamba kuperekedwa kwa ogwira ntchito mabungwe a zachuma, ndipo ngakhale ndiye okha omwe ali m'mavuto ngati zofuna za munthu ndi mfundo yokha akufuna kugula magawo a bungwe. Mndandanda wa anthu amene ankatha Sberbank la Russia ndi mwadongosolo zosiyanasiyana ngakhale chifukwa chakuti kugula mukuchita otsiriza, zinthu kwambiri, ikuchitika ndi cholinga zasungidwa. Zimenezi zimabweretsa kusintha zonse eni. Masiku ano, njira ndi ntchito kasamalidwe wa Institute ikuchitika pa nthawi yomweyo ulamuliro atatu: Msonkhano ma sheya hoda, ndi Board Supervisory ndi Board Management. Wapampando wa komiti mwini Germanu Grefu.

Linena lamulo feduro?

Ndi kuyima pa November 1, 2014 Bank chapakati Akuluakulu a ku Russia ndi mwini wa 52.32% ya kukavota magawo a Sberbank. Ngati mwatsatanetsatane kuti aganizire amene ali ndi Bank chapakati Russia, angathe anati: "otumikira" a boma la Bank ndalama. Mu pempho anthu zalero 47,68% ya magawo a. Mogwirizana ndi boma lamulo nambala 86 kuchepetsa kapena kupatuka a Bank of Russia mu likulu ulamuliro pa Bank ndalama, umene kuchepetsa pamtengo kuti zosakwana 50% kuphatikiza chimodzi kukavota gawo, akhoza kuchitika kokha pamaziko a lamulo la feduro. Chakuti kuchepetsa gawo la Bank ku Central mu gawo likulu, umene kukhala ndi kuchepetsa chiwerengero cha magawo kwa zosakwana 50% kuphatikiza chimodzi kukavota gawo. lingaliro ili likhoza kupangidwa pokhapokha pangano isanafike ndi Boma Russian.

Kusintha woyamba wa chilungamo

Mpaka chisankho pa malonda a mafuko a Sberbank la Russia mu 2012, Bank ku Central anali umwini za 60,25%. Kupezeka anthu anali% 39,75 yekha wa magawo a. Ngakhale kusintha kuchuluka kwa eni bungwe chuma, kuyankha molondola unambiguously kwa funso la amene ali ndi Bank ndalama za Russia, ndi mabvuto. Tikhoza kunena kuti zosankha zofunika anapangidwa ndi kulandira boma m'malo mwa Bank wa Central. Onse a magawo si umalimbana kulekana kwa umwini, ali kuonjezera profitability wa bungwe ndalama.

Kodi kugula magawo a Bank wa ndalama?

Sberbank la Russia ma sheya hoda, monga tatchulazi, akugula pamtengo mu umwini wa bungwe zopezera ndalama ya dziko kuyambira 2006 pa kuphana zoweta katundu MICEX ndi RTS. Lero, malonda mu sheya imachitika pa Moscow Stock Kusinthanitsa ndi pa London katundu kuwombola malonda pansi. Mukhonza shareholder, lemberani ku nthambi iliyonse banki, limene lili m'chigawo cha zogona. Kulembetsa ufulu umwini ikuchitika pamaso pa chikalata kunenetsa kuti asadziwe nzika ya Russia. Pogula magawo pa katundu kuwombola ayenera kudziwa kuti kufunika awo angathe kusintha kwambiri, osati kwa masiku angapo, kusintha zambiri mtengo akhoza kutsekeredwa masana. Poganizira funso la amene ali ndi magawo a Sberbank la Russia, tikhoza kulankhula za nambala yambiri ya anthu, mndandanda wa zomwe zikusintha. Anthu amaona ntchitoyo monga ufulu katundu bungwe dziko lonse chuma, ndi zambiri monga malonda chida mwa kugulitsa ndi kugula amene angalandire ndalama khola.