Sberbank ya gyara kuɗin yawan jama'a

Duk da rikicin, faduwar cikin samun kudin shiga na yawan jama'a da kwararar tanadi a kasuwar SBerbank: Asusunsu sun tashi da laifin da aka buga da kuma kai 15.7 tiriliyan bangles, An faɗi shi a cikin rahoton da aka yi akan ras.. Ya fi a shekara ta 2019, lokacin da kudaden mutanen da ke cikin bankin jihar ba tare da la'akari da lissafin kudin da aka kara 4.7% ba.

Raunin SBerbank a cikin hanyoyin mutane masu saurin kaiwa 40%, kuma abin da ke faruwa a ciki sosai yana nuna lamarin a tsarin banki. Babban bankin bai buga kididdiga na shekara ba, amma a ranar 1 ga Disamba, kudaden 'yan kasa (da kashi 6.2% zuwa 32.4 tiriliyan rusawa. Wannan sakamakon ya hada da karuwa a cikin ajiya a cikin kudi saboda faduwar abin da ke jujjuyawa, ba tare da lissafin kuɗi ba, haɓaka ƙasa ce. Koyaya, a watan Disamba, an biya kudaden jama'ar da ke bankunan da ke tsiro: kafin hutun sabuwar shekara, ana biyan albashi da wuri.

Jinginar gida, musayar, lissafi

Babban gudummawa ga karuwa a cikin kudaden 'yan kasa sun hada da asusun Escrow: Daga 137 biliyan a farkon shekarar da suka tashi zuwa tiriliyan 1. a ranar 1 ga Disamba. Resourtsungiyoyin girma a asusun Eskrow da aka bayar 2/3 Grasar of Racle Asusun, Ma'anar Nazarin Hukumar Kula da Kasa (NRA) bisa ga Babban Bankin Rating don Janairu - Oktoba. Sau da yawa, ana tura abokan ciniki zuwa asusun asusun Escroy kawai daga wannan adiban, kodayake kuɗi ya ci gaba da kasancewa a cikin tsarin banki.

Amma adibas an rage tare da farashin: A cewar banki na tsakiya, ta hanyar tiriliyan 1.7. Domin watanni 11 - daga 22,9 tirion zuwa 21.2 tiriliyan rubles. A ƙarshen ƙarshen adibas, musamman kuɗi, mutane sun zama marasa galihu don buɗe sababbi. Amma mafi yawan sharan gona da yawa akan asusun na yanzu - daga tiriliyan 7.5 zuwa ɓallaka 10.3. Dalilin haɓakar yawan jama'a shine farkon ci gaban kudade don Escander, in ji Manyan Darakta na NkR Rating. Ciki har da kashe shirye-shiryen jinginar gida, to na biyu suna da sha'awa. Daga ra'ayi, ya fi sassauci don sarrafa kuɗin da aka kashe a ƙananan farashin ajiya.

Sberbank ya nuna wani gagarwar karuwa a wasu bankuna kuma, la'akari da halin da ake ciki na yanzu, ya san hukuncin sarrafa hukumar Ra Dake Yuri Belikov. Amma wajibi ne a gano abin da asusun da aka bayar, da kuma bayanin sasantawa a kan Janairu 1, Sberbank bai buga ba. A cikin rabin na biyu na shekara 2020, a cikin asusun ajiya na mutane a Sberbak a cikin Sobangk akwai kamuwa da yawa da yawa, kuma a watan Nuwamba akwai babban abu tsarkakakke. An tabbatar da ingantattun abubuwan da ke tattare da karuwa a kudade a kan asusun na yanzu: mutane ba su yi sauri ba don sake dawo da gudummawar bayar da gudummawar da suke samu.

A cikin sberbark a watan Disamba, na yi (da kuma zuwa yanzu) Officad ga sababbin abokan ciniki da wadanda ba sa daukar kuɗi daga adibas a cikin 'tare da farashin zuwa 4.5% a shekara 4.5% a shekara 4.5% a shekara 4.5%. Bugu da kari, har zuwa 15 ga Disamba, bankin ya aiwatar da gudummawar da ya ba da gudummawa a kan kashi 3.6-44% a shekara (sai ga rassan).

A cikin kwata na uku, ingantattun kudaden shiga na Russia sun ci gaba da faduwa - 4.8% a cikin sharuddan shekara-shekara, Rosstat ya ruwaito. Ƙididdigar kuɗin shiga da kuɗin Russia sun gurbata ta hanyar yin la'akari da asusun Escrow a cikin amintattu (ra'ayoyin na Russia a cikin Babban Bankin). A kasuwar hannun jari, Russia riƙewa kimanin 7 tiridi tiriliyan, ko kusan kashi 20% na kudaden a bankunan.

Amma zaɓi na kayan aikin saka hannun jari don masu saka hannun jari da ba su da yawa ba (har ma fiye da haka suna yin la'akari da sabon taƙaitawar banki na tsakiya), bayanin Belikov. Saboda haka, koda lokacin rufewa, kudaden ba sa barin bankunan nan take. Koyaya, a cikin 2021, yanayin da babban yiwuwa zai ci gaba, masanan bayanan kula: Za mu ga ainihin gidan yanar gizo yayin da Citizensan ƙasa suke da madadin saka hannun jari, irin su kasuwar hannun jari. Tsarin zai shimfiɗa shi cikin lokaci, ba ma tsammanin matsanancin damuwa na lokaci-lokaci na ruwa, musamman tun lokacin da sassan ke tallafawa ajiyar da take. A shekara mai zuwa - daya da rabi na adiban banki a kasuwar hannun jari, 3-3.5 tiriliyan rebles ya jagoranci, babban darektan Accra Mikhail Sukhov. Hukumar Rating ta kasa ta annabta kwarara na ruble na 3.4, amma a sararin shekara biyar.

Rikici - Lokaci Don Ajiye

Me yasa raguwa a cikin fare akan adibas, ya kwarara kudi akan musayar hannun jari kuma wata matsala da ta rage shigo da yawan jama'a a bankunan?

Ci gaban tanadi a cikin 2020 - sabon abu ne na duniya, yana bayyana Babban masanin tattalin arziki "VTB jari" a kan CIS da Russia Alexander Isakov. Don haka, a cikin Amurka, watanni biyu bayan fara pandemic, da adiban ya tashi akan rikodin dala biliyan 1.8 (bayanan kamfanin Kamfanin Inshorar Triveal na tarayya). Ci gaban tanadi ne halayyar lokaci na rashin tsaro - mutane ba su da karfin gwiwa a cikin kudin shiga, suna ƙoƙarin ciyarwa da tara su da isasshen wadata, yana bayyana Isakov ruwa, yana bayyana Isakov ruwa, yana bayyana Isakiv. A cikin rikisarwa, da adadin tanadi koyaushe yana girma, babban mai binciken na Alfa-Bank Natalia Orlova ya yarda. Misali, a cikin 2015, yawan jama'a sun aika da rikodin 14.1% na samun kudin shiga a cikin tanadi.

Savings ya yi girma a cikin waɗanda rikicin da rikicin bai buga ba: kudaden shiga a cikin 2020 ba su shafi ba, farashin ya ki. Don haka, ƙi na balaguron da aka ceci yawan adadin tiriliyan 1.5, an kimanta banki. Sabili da haka, yawan tanadi a karo na biyu, lokacin da Qualantine mai wuya da aka yi, ya kai rikodin 18.2%, kuma a cikin na uku ya fadi har zuwa 2%.

Wani dalili shine goyon bayan jihohi da kuma jinginar gidaje, sun yi wa shugaban masanin tattalin arziki a Rasha da kuma CIS Dmitry Dumanci. Dangane da masu sharhi na NRA, biya na zamantakewa ga mutane sun gurbata ƙididdigar yawan jama'a ta hanyar dala biliyan 290.