"PSB": kudalirika mlingo

Anthu ambiri atamva za bungwe ndalama pansi pa dzina la "Promsvyazbank". Muyezo wa mabanki bwino mu Russia limautcha mmodzi wa odalirika kwambiri. Ndipo chiri choona. Komabe, ayenera kukuuzani zambiri za bungwe ili ndi chirichonse chimene chimabwera ake.

zambiri

Pati, kulankhula zimenezi bungwe ngongole monga "Promsvyazbank"? Mavoti - chinthu choyamba chimene angathe makasitomala ndi chidwi, ndipo izi ndi zofunika, koma kuyamba ndi kuyamba - mawu ochepa za bungwe lokha.

Choncho, banki Russian ndi zachinsinsi. mutu wake wonse limati motere: "." "Public olowa Stock Company" Promsvyazbank Nthawi zambiri, iwe ukhoza kuwona chidule - PSB.

Ngati inu mukukhulupirira nduna zambiri, ndi kasitomala m'munsi mwa gombe ndizo pafupifupi 100,000 malonda ndi anthu mamilioni awiri achinsinsi. Iwo ali malonda oposa 300 ogulitsira ndi pafupifupi 8500 ATMs. Plus - 200 malo kudziletsa utumiki. Services a banki zimaperekedwa ndi 88% ya m'dziko la Chitaganya cha Russia. Chofunika - bungwe ali ndi maudindo ake ku Ukraine, Kazakhstan, India, China ndi Cyprus. Zaka zitatu zapitazo, anatsegula ofesi ku Switzerland, ndipo ngakhale madongosolo ku banki kuyamba ntchito mu China, kukhala yeniyeni kwambiri, ku Hong Kong.

A mbiri pang'ono

"Promsvyazbank", omwe ndi mkulu mlingo inachokera mu Moscow May 12, 1995. Poyamba, makasitomala a bungwe anali makampani kutumiza mauthenga. Koma anayamba mofulumira, kotero kuti posachedwapa (mu zaka 3), banki kwachitika chake zabwino zana mawu a chuma. Ndipo mu 2005 izo anakonzeka 15 TH malo. Kuchokera nthawi imeneyo, "Promsvyazbank" amene mlingo wakula kwambiri pa zaka 10 wa bungwe la ndalama, wayamba kukhala kumufotokozera. Iye anayamba mu bungwe "konsekonse". Kale mu 2007 anali ndi mfundo zake za malonda mu malo 100 Chitaganya cha Russia.

The Bank wakhala yotchuka mu 2005, mu September, bungwe Chisiloveniya lotchedwa Nova Ljubljanska Banka amamuonera cholowa kuchuluka kwa 7.69%. Komabe, patapita chaka mwini anagula mbali imeneyi ya kumbuyo. Ndipo patapita kanthawi 15,32% kale anagulitsa bungwe pa Commerzbank. Ndipo mu 2007, PSB watha kukhala olowa katundu kampani, kusintha udindo kwa JSC.

Koma chidwi kwambiri - ndi Iye adalowa mabanki pamwamba lili pa nambala pakati pa mavuto 2009. "Promsvyazbank" wakhala mmodzi wa odalirika kwambiri lonse la Russia. Iye ali pamwamba zinachitika chachinayi.

katundu

Mbali yaikulu mmene banki anatsimikiza ndi phindu lake ndi buku la zinthu zake. Chimene, mosamalitsa kulankhula, n'chinthu chabwino zedi. Mwachitsanzo, gombe lotchedwa "Elbin." Nkomwe anamva zimene zinachitikazo. Kodi sizodabwitsa chifukwa pa 549th, malo omaliza kusanja a mabanki Russian! Ndipo katundu wake (chuma yomweyo) ndi 830 okha 750 thous. Rubles. Osati kwambiri, ngati ife kumbukirani kuti chilungamo cha Bank ndalama, omwe amadziwika mwamtheradi munthu aliyense, ndi 3.2 thililiyoni. Ndipo chuma kwambiri - zankhaninkhani, 27,3! chithunzi ndi kovuta kuzindikira. Koma zokwanira amati - 27,3 biliyoni zikwi nthawi. Chidwi? Pitani patsogolo.

Olimba wodalirika ndipo monyadira "Promsvyazbank", malo mu mlingo umene uli pa mzere 9 (monga wa November wa panopa, 2016). katundu wake - thililiyoni 1.2. Lopita - biliyoni 123,44. Ndipo Chiwerengerochi chabe sitingalephere yosangalatsa. Ndipo chakuti mbali yaikulu ya ndalama izi wapangidwa ndalama ndi makasitomala ndalama kampani - umboni bwino n'lodalirika.

uthenga

N'zosadabwitsa kuti mlingo wa "Promsvyazbank" mawu a kudalirika ndi mkulu. Popeza kuti anali wabwino, kuonetsera kwenikweni zonse. Mwachitsanzo, posachedwapa, amene anaonekera pa chiyambi cha December 2016. Inali kudziŵika kuti "Promsvyazbank" walowa pamwamba mabungwe atatu ndalama mu gawo la utumiki umafunika. Zotsatira analengeza Frank Research Group. Ndi kafukufuku kampani kutsogolera m'munda wa kusanthula ntchito ndalama.

Ndi ofunika podziwa kuti anali n'komwe mlingo wa utumiki ndi khalidwe ziyenera a ntchito kutali banki zosiyanasiyana ubwino, bwana ndalama ndi muyezo ena. Mutu wa dipatimenti pa ntchito ndi makasitomala olemera akutitsimikizira kuti "Promsvyazbank" akunena za gawo umafunika ndi chitukuko cha malangizo malonda. Ndipo chifukwa anthu kumvetsa munthu utumiki, ngakhale, ndipo ntchito njira yakutali, gulu anaganiza kutsegula malo kwa iwo. Mu 2017 izo anakonza anawalenga mizinda ina Russian, osati Moscow ndi Moscow Region.

chidwi kudziwa

Akulankhula za mlingo wa banki "Promsvyazbank" mawu a kudalirika Ndikufuna kuti si kale, bungwe limeneli wakhala wopambana wa mphoto wotchedwa mkondo A Russia Chuma Management Mphotho. Izi ndi mfundo yofunika. Popeza mwambo mphoto yomwe imachitika chaka chilichonse, ndi kupereka kwa oyang'anira bwino a banki payekha, amene ntchito ogwirizana ndi kasamalidwe yambiri likulu.

mphoto Izi ndi kuzindikira chenicheni cha mphamvu ndi bwino bungwe. Ndi kutsimikizira kwa mlingo wawo mkulu wa Luso.

chiwongola dzanja

Mpake kuti kampani ngati "Promsvyazbank", mlingo Bank ku Central amaponya pamwamba khumi bwino. Bungweli amasamalira osati makasitomala olemera komanso anthu onse anamutembenukira kwa iye ntchito. Posachedwapa, mwachitsanzo, "PSB" waganiza kuchepetsa chiwongola dzanja pa ngongole. Pakuti malonda ang'onoang'ono, iwo tsopano wofanana 9,4% ndi chiyerekezo - 8.3%. Yerekezerani, mmodzi wa amachita apamwamba a Bank ndi ndalama - ndi "Business-Muzigwiritsa", ndi mitengo chaka chilichonse kuyambira 11,8%. Kuyang'ana kusiyana zimaonekeratu: mkulu wotsatila mutsogoleli wadziko la "Promsvyazbank" zoyenera kuti kampani awo amapereka zinthu zabwino mu msika ndalama amalonda.

Ntchito ndi anthu

anthu ambiri ali ndi chidwi: wabwino chotani "Promsvyazbank" mawu a utumiki kwa anthu wamba? Komabe, sikuti aliyense mu dziko lathu ndi munthu wolemera kapena eni malonda. Chabwino, ndi ntchito ndi anthu, gulu anapambana.

Mwachitsanzo, taganizirani msonkhano uno monga "anthu chotafuna." N'kwabwino kuti anthu amene akufuna kuti aganyali kwinakwake ndalama zanu ndi kuonjezera ndalama. Kuti munthu kutsegula nkhani Iye amaika muyezo winawake chifukwa makamaka nthawi. Mlingo - 8,25% pa annum. More akhoza kuwonjezeredwa 0,25% - mu ngati munthu ali ndi pulogalamu utumiki Orange umafunika Club kapena "PSB anu umafunika".

Tiyeni tinene kasitomala waganiza kutsegula gawo "Zodalirika kuchuluka", likuvutika kuika rubles miliyoni. Kumapeto kwa mawu (1 chaka), adzalandira ndalama kumbuyo, kuphatikiza phindu la ~ 83 000 p. Ndipo ngati inu aganyali kwambiri? Ndiye ife anachita bwino ndalama chabe.

kubweza

The ngongole mlingo wa "PSB" - ndi nkhani yosangalatsa, choncho m'pofunika wofufuza izo. Masiku ano Mtundu wotchuka kwambiri ngongole - ndi kubweza. Ndipo ambiri kupanga izo mu "PSB". Chifukwa chiyani? Ndipo chifukwa bungwe amapereka zinthu zabwino.

Mugule nyumba yatsopano yomanga, kutenga kubweza pa 10,9%, ndipo ngakhale mothandizidwa ndi boma. ndi phindu lotani? Choyamba, mlingo ananena ndi chomveka lonse ngongole akuti, koma ngati anthu ntchito misonkhano ya abwenzi omanga. Kachiwiri malipiro koyamba ndi 20%. Kuti, ngati munthu akufuna kugula situdiyo nyumba kwa rubles miliyoni, iye kulipira poyamba 000 400 okha. Chachitatu, Bank simalilitsa chindapusa zoonjezera kwa processing ngongole ndipo amapereka alipire oyambirira popanda zilango ndi malamulo.

Ndipo zofunika kwambiri mwayi - chimaonekera ndipo ochepa zofunika kasitomala. Nzika akhale Russian, zaka - kuchokera zaka 21 zaka 65 pa tsiku adzabwerenso. Yogona kapena malo okhazikika ntchito - komanso mu Russia. Ntchito zinachitikira - osachepera chaka. Ndipo mu malo otsiriza - miyezi 4. Sozaomschika chovomerezeka okhudzidwa, koma zitha kukhala bwenzi yovomerezeka (mwamuna / mkazi). Ndipo ngati munthu wapatuka ngongoleyo, sikudzakhala nkhani kumukopa. Ndizo zonse. Terms zazing'ono ngati n'kotheka - ichi ndi chifukwa chachikulu chimene anthu ambiri kupanga kubweza ali mwa "PSB".

pomaliza

Ndipo ngati umboni winanso wa kudalirika kwa "Promsvyazbank" Ine ndikufuna kunena kuti m'chilimwe cha chaka chino, banki Internet gulu wakhala anazindikira zinthu zabwino lonse Russia. Studies inkachitikira pansi pa dzina la magazini Global Business Outlook. Buku malonda chaka amakonza mwambo m'magulu m'madera osiyanasiyana a bizinesi zachuma. Ndipo Internet banki PSB wakhala anazindikira ngati odalirika kwambiri ndi yabwino. Pajatu ntchito yonse kasitomala chachinayi cha bungwe.

Mwa njira, m'ma kasupe wa chaka chino, PSB anayambitsa anthu latsopano Intaneti banki. Kusintha akukonza osati kapangidwe komanso zili. Awonjezedwa mbali zothandiza, ndi ntchito wotchuka kwambiri kuti makasitomala ntchito zambiri limapanga pitani chimodzi chokha.

Onse, monga mmene taonera, PSB kudalirika umboni, pali zambiri. The odziwika - ndi kukula kwa chuma kusanja a Bank wa Central. O, chiri, ndipo palibe chikaiko mfundo zimenezi.