Duk da rikicin da kuma digo mai mahimmanci a farashin, Russia sun karu da tanadi: domin shekarar da yawan jama'a a bankunan sun tashi da rublikai 2.4. Musamman amfanin gona da aka ba da gudummawa Disamba: A cewar Babban Bankin tsakiya, Russia ya kawo rubles biliyan 1.3 ga bankunan. (Ban da banki Escro) da $ 3.2 biliyan uku a cikin bita "akan ci gaban bangaren banki" yana bayyana irin wannan tasirin samar da kuɗi a ƙarshen shekara. Bugu da kari, a gaban dogon karshen mako a wannan lokacin, ranakun Janairu ana biyan albashi a gaba, ana tunatar da wasu masu binciken Janairu, na Monasthshin Monasthshin.
Koyaya, canje-canje mafi girma suna ɓoye a bayan lambobin shekara-shekara: mutane suna canza hanyar zuwa tanadi.
Babu tanadiA cikin shekara-shekara a bara, Fults na yawan yanki na yawan jama'a ya tashi da kusan rublewar robles 1.6. Asusun kuɗi, a akasin haka, ya ragu da $ 4.4 biliyan a dala daidai. Koyaya, saboda tsananin rauni na ruble bara (da 19% zuwa dala da kuma 31% na Yuro da yawa asusun asusun da har ma ya karu - rublean kuɗi na kilomita 825.
Fayil na mutane na mutane da daidaikun mutane a cikin bankuna a duk agogo a cikin shara a cikin gundumar 2021 a sakamakon ya kai rubles 32.8 tiriliyan. Idan aka kwatanta da shekarar da ta gabata, haɓakar tanadi na 'yan ƙasa a bankunan da ke cikin gudu kusan sau biyu: daga 9.7 zuwa 4.2 zuwa 4.2 zuwa 4.2% (tare da gyara don maimaitawar kuɗi). Gaskiya ne, Babban bankin ba ya la'akari da takardar kudi na Eskrow, kudaden da na shekara 1 tiriliyan.
Ci gaban adibas ya sauka saboda gaskiyar cewa mutane sun fara ɗaukar tsabar kudi (ƙararsu a cikin abubuwan tiriliyan 2.8 a kowace shekara), da kuma shiga tsakiyar dawowa, a yi bayanin tsakiyar Banki. Reprage asusun na masu saka jari masu zaman kansu, misali, daga watan Janairu zuwa Satumba da aka kara robles 1.2 tiriliyan.
Yawan ragi da ci gaban hauhawar farashin kaya a karshen shekarar da ake sa ran zai buga wasan ajiya na ajiya, in ji suzarar. Don haka, matsakaicin adadin adadin a cikin manyan bankunan 10 a cikin girman adakali a kowace shekara ya ragu daga 6.01 zuwa 4.86% kowace shekara.
Dangane da rage rage kudaden shiga, da yawa sun motsa daga adana zuwa kashinsu na yanzu, da Daraktan Ratings na banki "Kwararrun Ra" Lyudmila Keltain ya ce. Nowari ga adadin adibas ya shafi babban haɓakar haɓakar ba da gudummawa, ya ce: ɓangare na asusun ajiyar kuɗi a lokacin ma'amaloli don siyan gidaje.
Ko ta yaya, tanadi har yanzu yana girma, wanda ke nuna kyakkyawan amincewa a cikin Russia, gidan sufi ya gamsu. Kodayake wasu ci gaban da aka kawo cikas ga adibas, ya gane: tare da matsakaiciyar asusun ajiyar kudi da kuma asusun ajiya na kusa da naúrar, babban asusun zai iya samar da kashi 3.5%.
Manyan 'yan wasa kuma basu ma jin jinkirin a cikin kwararar' yan ƙasa ba. A Sirberank, kudaden Fishetian sun karu da kashi 15.3% zuwa rubles 15.7 na tiriliyan a bara, ya ruwaito a tsakiyar watan Janairu. Ban da lissafin kuɗi, haɓakar yana ɗan ƙira kaɗan, har ma da bayyane sama da kasuwa - 11.6%. A cikin Raiffeisenbank, kudaden da ke cikin asusun (duka na yanzu da gaggawa) ya karu da 28%, shugaban abokin ciniki da farin ciki da saka farin ciki na Cyril matveyev.
Sauya adibasSauran tanadin a bankunan da suka gabata shima yayi hijira - tsakanin nau'ikan asusun:
1. Daga Currency a cikin ruble: Asusun kuɗi na bara ya ragu da dala biliyan 4.4 a cikin dollar daidai. Tivationationarfafa ci gaba da kuɗi a cikin kuɗi a hankali ya ragu, kalmar sirri ta bayyana a kan irin wannan asusun suna kusa da sifili, kuma hanya, a baya da wannan shekara The Brethle ya matsa zuwa ƙarfafa. A karkashin waɗannan yanayin, ba ya da ma'ana a riƙe adibas na kuɗi. " Yanzu akwai cikakken ajiya na dollar a kasuwa tare da fare sama da 0.8%, kuma sau da yawa farashin ba su wuce kashi 0.5% ba.
Idan ba ƙarshen shekara ba, asusun ajiya zai rage har ma ƙari. A watan Nuwamba - Disamba, yawan jama'a sun kawo a cikin Banks suna na dala biliyan 4.6. The Roble ya shafi wannan lokacin, VTimes ya bayyana masana. Juya ga ci gaban sayayya zai iya kawo kyautar Sabuwar Shekara da mutane nan da nan suka fassara cikin kifayen, in ji S & P Maftini sun musulunta.
2. Daga gudummawar gaggawa ga asusun yanzu. Adireshin da aka saukar a bara ya ragu fiye da ruble-ɓawon tiriliyan 1.6, yayin da asusun ajiya na yanzu ya kara da abubuwa sama da 3.2 tiriliyan. Irin wannan tanadi masu yawa da kuma ajiyar kuɗi: Adibas ya ragu da dala biliyan 12.8, asusun na yanzu - ya karu da dala biliyan 8.3.
Masana sun bayyana karuwa a cikin shahararrun asusun na yanzu da na cumulative tare da babban dacewa da damar da sauri isa ga kudin. Idan da a baya aka kawo ragin a matakin da ke kusa, yanzu sun kasance basu da rauni ga ajiyar irin wannan asusun, yana nuna gidan ibada. Wannan yana da mahimmanci yanzu lokacin da farashin a cikin tsarin suna cikin tsarin minima, amma akwai tsammanin cewa bayan ɗan lokaci za su dawo zuwa ci gaba, ya lura.
RaiffeisenBank a bara kuma ya lura da kwararar kudade don asusun tarurruka da, haka, abokan ciniki sun cika da asusun da suka yi, tabbatar da matvearp.
Kasarsa a ƙarshen 2020 ta kai shekaru uku masu girma na 4.9% kuma ci gaba da hanzarta a watan Janairu, yana nuna masu ba da taimako. Idan a watan Fabrairu, hauhawar farashin kaya za ta kai 5.5%, bankunan ba za su iya tayar da kudaden ajiya ko da da ƙimar maɓalli na yau da kullun don kiyaye abokan ciniki ba, ya yi imani. Bugu da kari, da bukatar bankuna kan ruwa yana girma saboda gaskiyar cewa Ma'aikatar Kudi ta fara janye kudade don tiriliyan 2 don kawai sama da kashi 800 na dala biliyan. Saboda wannan, bankuna dole ne su kara lamuni daga banki na tsakiya, amma har yanzu suna maye gurbin hanyar yawan jama'a da kamfanoni a cikin asusun.
Duk da haka, babban abubuwan da suka zarce shekara da kuma a cikin 2021, manazarta sun ce. Kotorin yana jiran kwararar kuɗi daga adibas zuwa asusun na yanzu, da kuma babban mai shaidar hukumar Egor Lopatin - abin da zai ci gaba da gudana a kasuwar hannun jari. Amma ba zai yi tasiri sosai a kasuwa ba, tunda gudummawar da ke bayarwa na ɗaya daga cikin mawuyacin yanayi, al'ada kuma a lokaci guda hanyoyi don saka kuɗin da jama'a, ya jaddada.
Shugaban gudanar da "Savings" VTB Maxim Podchikna yana da matsayi daban-daban: ƙarshen motsi na biyu na citizensan ƙasa tare da sabbin halaye na da za su haifar da ƙarin halayyar tanadi na, Sabili da haka - don karuwa a wurin zama da koma baya daga asusun tarin kudaden da aka bayar a cikin bankin da kalmominsa. Kuma madaidaiciyar matsayin mai riƙewa game da gabatarwar masu saka hannun jari da ba su dace ba wajen rage wannan kasuwar kuma zai haifar da dawowar kudaden da asusun ajiya, ya yi imani.