"Nkhokwe": kudalirika mlingo. "Nkhokwe" mu kusanja a mabanki Russian

"Nkhokwe" anakhazikitsidwa mu 1993 monga banki ukapolo, ndipo wakhala tsopano malonda bungwe la ndalama kukula ambiri amene ali zopezera nthambi m'madera ambiri Russian. Mu 2014 ndalama zake ukonde kuchuluka fivefold, kufika phindu ukonde wa madola oposa mamiliyoni 69 (oposa biliyoni 3,9 rubles). Mavoti "nkhokwe" mawu a zodalirika, malinga Bank ku Central - malo 20 pa kukula kwa chuma biliyoni 413,2 rubles.

Kwafalikira

"Nkhokwe" khumi zapitazi, ikukula mofulumira, kutenga sitepe pa nkhani mabanki sing'anga-kakulidwe choyamba Russian makumi awiri. Makamaka zimalimbikitsa mavuto anawonekera kwa ambiri mu 2014. The bungwe ndalama amamuonera chuma angapo, kuphatikizapo "nkhokwe Makhadi" (poyamba "Moscomprivatbank"), "nkhokwe Murmansk". (Dzina yapita - JSC "DNB Bank") ndi kukula mabanki ' " Komanso, 55% ya chuma gawo okwana anapereka yake "nkhokwe". Mavoti Organization chifukwa kuchuluka zayamba.

Kupeza chuma cha chinathandiza osiyana a m'munsi kasitomala, kusintha osiyana a malonda ndi kusintha zinthu za gulu Consolidated mawu a chuma: malinga index izi banki akuchita malo chiwiri mu mlingo zonse Russian (pa 01/04/2015), chaka chapitacho - yekha malo 40.

Mavoti mabanki: "nkhokwe"

The mavuto azachuma ali kwambiri reshuffled sitimayo mabungwe Russian ndalama. Ngati ena a iwo amafuna thandizo yaikulu Boma, "nkhokwe" M'malo mwake, analimbitsa lapansi. Komanso otchuka zipata Banki.ru chifukwa bwino mofulumira bungwe imeneyi wakhala anazindikira Bank chake cha Chaka 2014. Iye anali patsogolo pa zimphona losadziwika. Pakati pawo, "Ndalama Bank", "VTB", "Gazprombank" ndi zibwenzi zina.

Akatswiri lina anaona "nkhokwe". Mavoti akatswiri ochokera Standard & Osauka a limafanana ndi udindo wa «B». Ichi ndi chizindikiro chabwino kwa mabanki akuluakulu Russian kuwalitsa ndi mphamvu, ndi kuopsa yeniyeni chibadidwe chuma dera. zizindikiro zina:

• Pomaliza mwa gombe yodalirika malonda ku Russia (04.01.2015).
• 10 profitability (01.04.2015).
• TH 18 mu kusanja "Interfax 100" (1 kotala 2015).
• 27 kukula kwa likulu chilungamo (04/01/2015).

ofufuza 'Zoneneratu

Kupeza chuma kwambiri, anati chaka chatha, amaika ena pachiswe. Bank ofufuza onani kuti "nkhokwe" strategy ndi osadziwika ndi mwamakani pa nthawi yomweyo. Iwo akhoza poyera pangozi mkulu wa kusakanikirana, anapatsidwa kukula ndithu chuma anapeza ndi mapulani kukuza zina malonda mu chokhwima zinthu panopa zikugwira ntchito kwa mabanki ku Russia. Pakali pano, dongosolo unagawanika mu gulu likhoza kukhala mokwanira Kugwirizana kwa wina ndi mnzake ndi kupanga bungwe limene lidzakhala player amphamvu kumsika ndi khola yaitali ntchito chitsanzo ndi luso amphamvu kupanga phindu.

Chinthu chabwino kuti chuma anapeza zogwirizana ndi njira yaitali kulimbikitsa msika udindo wa "nkhokwe" mu ritelo gawo ndi osiyana a mbiri malonda. Chifukwa cha atsopano chuma udindo wa kampani mu gawo la madipoziti ritelo kwa makasitomala bwino. Pa 01.04.2015 "nkhokwe" mu kusanja a mabanki Russian mawu a chizindikiro zinachitika 7. Komanso, kampani adakhoza kulowa msika angapo zigawo zofunika Russian. M'tsogolo, maukonde nthambi okwana mfundo 450 za malonda mu zigawo zoposa 60 mapeto a 2015 kutsatira kutsekedwa anakonza m'madipatimenti inefficient.

kudalirika Mavoti

IA BankStars pa zotsatira za kuwunika mofulumira statement a chuma anatumizidwa PJSC "nkhokwe" kudalirika mlingo wa "zogwira mtima". Malinga BankStars, m'banja amakhala ndi chiopsezo makezana za kusakhulupirika udindo wake ndalamawo ndi depositors. Komabe, mtendere wa banki amakhudzidwa chitukuko chowawa zimenezi.

liquidity

Yachokera pa kusanthula dongosolo muyezo pepala la PJSC "nkhokwe" chizindikiro bungwe liquidity BankStars oveteredwa mkulu mwapang'ono. Mawuwo zochokera ndalama oyaka mu madipoziti ndi nkhani panopa banki ndi gulu la mabanki ofanana mu mawu a chuma. kampani amatha kuonetsetsa kuphedwa yake ya kubwerera kwa ngongole, madipoziti mu nkhani ya kukwaniritsidwa mwina nkhawa sewero.

capitalization

Ndi 2014, kuchuluka chimenecho mwa mlingo wa capitalization wa gulu ndalama 13,05% chifukwa kuwonjezera chilungamo, pamene kuchepetsa voliyumu ya chuma cha PJSC "nkhokwe". Mavoti luso zoperewerazo zomvetsa kuthekera pa nkhani ya maganizo zitsanzo mwini ndalama pafupifupi monga mkulu mwapang'ono.

Khalidwe la mbiri ngongole

Malinga ndi lipoti, voliyumu ya ngongole overdue "nkhokwe" pa 01.01.2014 anakwana RUR 3.623.610.000. (2.63% ya mbiri ya), kumaonjezera December 2013 RUR miliyoni 189.61. Kamba zomvetsa chinawonjezeka ndi opaka 156.140.000. ndipo anapanga malipoti tsiku opaka 5.752.920.000. (4.17% ya mbiri ya). Anapanga nkhokwe banki zochokera zotheka pa ngongole kuphimba panopa overdue ngongole ndi koyefishienti wa 1,59. Pa malipoti tsiku mbiri ngongole amakhala ndi gawo pang'ono ang'onoang'ono.

zinthu kukula

A malo mu kusanja "nkhokwe" mwa mpikisano / zibwenzi anakhudzidwa ndi zinthu zotsatirazi.

moyenera:

• kuwonjezeka mu m'munsi makasitomala ndi kukula pamsika;
• akugwirizana kwambiri mu mawonekedwe a jekeseni likulu kwa ma sheya hoda;
• osiyana a m'munsi gwero.

zoipa:

• mkulu kukhudzana ndi kuopsa kwa chuma kusakanikirana zokhudzana anagula mu 2014, ndi kukula njira aukali;
• profitability ofooka ntchito, makamaka chifukwa ntchito ofooka wa mbiri ya unsecured ngongole ritelo, chiopsezo;
• liwiro kukula zazikulu za citukuko ndi zinthu chowawa opaleshoni kuti mabanki onse Russia.

ma sheya hoda Major

Kuyembekezeredwa kuti ma sheya hoda lalikulu - M. O. Shishhanov ndi MS Gutseriev - adzavomereza chitukuko cha "nkhokwe" ndi kupereka likulu okwanira kukwaniritsa mipherezero kukula wofuna. Mu 2011-2014 anapanga kulowetsedwa zonse likulu: biliyoni 16,3 rubles likulu gawo 1 ndi rubles biliyoni 3,9 likulu gawo 2.

Chuma anali Shishkhanov Gutseriev ndi kumabungwe sanali banki, monga mnzake womuyenerera lonse la malonda "nkhokwe". Makamaka, ndalama penshioni ndi kampani ya inshuwalansi wokwatibwa ndi zachuma Shishkhanov angapereke synergies, kupereka makasitomala utumiki mwatsatanetsatane, kuwapangitsa kuonjezera m'munsi makasitomala.

Capitalization ndi profitability wa PJSC "nkhokwe"

The ngongole mlingo likulu ndi zasungidwa amakhala ngati zolimbitsa. Capitalization amaperekedwa makamaka ndi infusions wa ma sheya hoda chilungamo. zizindikiro lowunika momwe zolimbitsa zochokera kuwerengetsera kuti RAC chiŵerengero popanda kutenga nkhani ya kusinthidwa kwa osiyana ndi ndende kuopsa adzakhala 5.1% mu miyezi 18-24. Mapa Izi zimadalira ziyembekezo zotsatirazi:

• Kuwonjezeka chuma cha 34% mu 2015 chifukwa cha kuphatikiza a mabanki a "kukula" ndi "nkhokwe Murmansk" (14%) ndi kukula organic (20%).
• Capital jekeseni wa rubles biliyoni 10. mu 2015, ngakhale kuti biliyoni 6 rubles kale analandira mu April.
• likulu akupeza (1.5) mwa issuance wa masheya latsopano kulimbitsa ndi "nkhokwe Murmansk".
• Capital akupeza chifukwa kuzindikira koyamba anali wofunika gulu "KUKULA".
• The kuchepa kwa chidwi malire khoka ku 4.3% mu 2014 4% mu 2015 chifukwa kukwera mtengo ndalama ndi kuchuluka mpikisano mu gawo banki Russian.
• Net kuwonongeka - za 3.5% mu 2015-2016, poyerekeza ndi 2.1% mu 2012-2014 (pafupifupi phindu) chifukwa kuwonongeka kwa zinthu zachuma.

ziyembekezo

Mu 2014, kulumikiza kuti "nkhokwe" kukapempha makasitomala silinaphunzire bwino. Iye ali wapadera bungwe ndalama, choncho ndi iye sizikhudza ziletso owongolera US ndi European Union (monga kuyenera Russian mabanki lalikulu boma akumeneko). Komanso, kukula kukula kwa "nkhokwe" zinamupatsa kutumikira makasitomala zikuluzikulu. Chifukwa cha zimenezi, kampaniyo kwachititsa angapo a mabungwe payekha ndi anthu monga borrowers ndi depositors zinachititsa kuti kulimbitsa patsinde kasitomala wake. kuopsa kukongoza maphwando ofanana ndi imawunikidwa monga zolimbitsa: cholowa cha ngongole maphwando ofanana pa nkhani za 2.6% ya mbiri ngongole (31.12.2014).

Mu nthawi 2015-2016 gg. amaona ofooka phindu "nkhokwe" zizindikiro ku ntchito chifukwa cha kuyembekezera ntchito ofooka mu zigawo za unsecured ngongole ritelo ndi makhadi. Phindu pa ntchito opaleshoni mu 2014 anali oipa chifukwa cha ndalama zambiri chilengedwe cha nkhokwe ya "nkhokwe Makhadi", anapeza chaka chatha.

Chinthu zabwino - likulu zolimbana "nkhokwe" imayendetsedwa ndi subordinated ngongole kuchuluka kwa rubles biliyoni 12,7. Pa 01.04.2015 gulu likulu chiŵerengero anali 13,2%, amene ali apamwamba kwambiri kuposa mlingo osachepera 10% anapereka yang'anira lapansi.