Babban bankunan sayar da kayayyaki bayan hutu a watan Janairu daga watan Fabrairu daga watan Fabrairu ya fara sake duba layin ajiya na Retail. Ana samun sakamakon daban: Wasu suna ƙaruwa, wasu suna rage yawan hannun jari. Kuma wasu canza sunayen samfuran, yayin da ke riƙe da yanayin.
Yaya bankuna ke wasa tare da farashin
A cikin duk shekarar da ta gabata, bankunan sun rage farashin adishin adible bayan maɓallin keɓewa, wanda a cikin Janairu - Yuli ya fadi daga 6.25 zuwa 4.25%, don haka sauransu a can. Matsakaicin matsakaicin bankunan a manyan bankunan 10 mafi girma akan fayil ɗin fayil na yawan jama'a ya ragu daga 6.01% kowace shekara a farkon 2020 zuwa 4.326% zuwa Oktoba. Amma, da tsoron fitar da yawan jama'a, bankuna ya fara inganta yanayin hannun jari, galibi tare da taimakon masu gabatarwa. A Sabuwar Shekara, matsakaicin matsakaicin adadin kashi ɗaya zuwa 4.486% kuma bai canza ba tun daga nan (bayanan data gabata na Janairu na tsakiya ba tukuna an buga su ba).
A watan Fabrairu, kudaden ajiya ya shiga motsi. Tun farkon watan Sberbank, "Bankin Post", Bank "St. Petersburg" soke adibas na yanayi tare da kudaden da aka daukaka a Sabuwar Shekara. Saboda wannan, matsakaicin amfanin da ke cikin saka hannun jari a cikin su ya rage ta hanyar matsakaita na 0.3-1 PP.
Amma VTB, Gazprombombombok, fansho, ICD ya kara aiwatar da aikin yanayi da masu gabatarwa kan yanayin da suka gabata. Bugu da kari, bankin "uralsib" a ranar 8 ga Fabrairu zai gabatar da sabon gudummawar da ya ba da gudummawa na fa'ida maimakon gudummawar "lokaci mai kyau" tare da yanayi iri ɗaya "tare da yanayi iri ɗaya" tare da yanayin da aka bayar. Bankin "budewar" a ranar 7 ga Fabrairu zai maye gurbin gudummawar "hunturu", mai riƙe da matsakaicin adadin 4.75% kowace shekara. Wannan VTimes sun gaya wa wakilansu.
Wasu bankuna a yanzu suna inganta yanayin saka hannun jari. Misali, Rosselkhozbank yana da sha'awar ajiyar kaya ba tare da la'akari da kalmar ba. Babban girma, har zuwa maki kashi 0.45, a kan gudummawar "riba" fensho "ba tare da zaɓukan fensho ba don zaɓuɓɓukan da aka sa su sake tura kuɗi; Matsakaicin adadin adadin ya kai 4% a shekara, an ruwaito sabis ɗin Press na jihar.
"Cikakken bankin" a cikin tsarin cigaba na zamani daga 5 zuwa Afrilu m + "Matsakaicin Babbar + 3-4-541 daga annum. A baya can, "daraja gida" shima ya daukaka kudaden a kan adibas da 0.2-0.5 maki kashi.
Amma Bankin Standard Bankin Rasha daga ranar 5 ga Fabrairu, akasin haka, saukar da matsakaicin kudaden: na gudummawa mai kyau "na tsawon kwanaki 270 - daga 5 zuwa 4, takwas%. SOVCombank na iya rage ragon ragi ta hanyar maki 0.2. Daga 9 ga Fabrairu.
Yanzu babu abubuwanda ake bukata don mahimman canji a cikin kudaden ajiya, Shugaba na Frank Rg Yuri Musshari ya yi imani: Ana kiyaye maɓallin ƙimar a matakin daidai. "Banks sun kalli halayen abokan ciniki, suna bincika yanayin yawan jama'a a kasuwar hannun jari, suna kimanta abin da za a yi idan wannan tsari zai jefa mai ruwa, suna neman ma'auni. Sabili da haka, wani ya daidaita yawan amfanin ƙasa tare da taimakon masu gabatarwa, wani ya fi son rashin kuɗi mai arha, ya tallafawa gefe mai gamsarwa, "ya yi bayanin ayyukan bankuna.
Abin da ke jiran masu saka jari a cikin 2021
Bangers sun ce za su daidaita kudaden da ke jawo albarkatu (ciki har da gudummawa), dangane da kasawar mabuɗin, halin da ake ciki tare da ruwa da aikin masu fafatawa.
Babban taron na tsakiya na banki na tsakiya don darajar maɓalli za a gudanar da Jumma'a mai zuwa. Yawancin masana sun saka kudaden ceton. Har yanzu akwai karamin wadatar rage yawan adadin, amma ba a bayyane yake ba cewa "Bankin zai" '' 'Daraktan Jr. RA "Vyacheslav putilovsky. "A kan bango na hauhawar hauhawar farashin kayayyaki, wani yanki na raguwa a cikin ƙimar maɓallan Nkr na da ba a ba da izini ba," an yarda da babban darektan Babban Direcar Rating Alexander Procelov an yarda.
Idan za a daidaita ƙimar maɓalli, to, canje-canje masu mahimmanci a cikin kudaden ajiya suna yiwuwa - har zuwa 0.3-0.4 Pp. A cikin shugabanci wanda Babban Bankin, Bankin Dom.rf Evgeny Schtikov ya annabta banki na samfuran sasik.
Rikicin ajiya a cikin hanyoyin da yawa ya riga ya isa ga asalin tashin hankali a rayuwa, yayin da mutane suke fara neman wasu nau'ikan zuba jari, in ji Punlovsky. Don haka canji mai mahimmanci a cikin halin da ake ciki a kasuwar ajiya a cikin watanni masu zuwa, a cikin ra'ayinsa, ba. Babban hasashen Prochava shine ƙamus na ƙimar akan adibas tare da hangen nesa na ƙaramin karuwa a shekarar. "A halin yanzu, bangaren banki daga matsayin ban sha'awa da Macewar sha'awa ta sami wani muhimmin abu na bankin tsakiya, don haka babu buƙatar haɓaka adibas akan adibas."
A cewar Gribanov, idan babu wani rawar duniya, sannan 2021 zai kasance mai rauni sosai dangane da farashin banki.