Ngaphandle kwengxaki, ukuwa kwengeniso yabemi kunye nokuhamba kolondolozo kwimarike ye-stockbank, kuNyaka ophelileyo, kwi-11.6% ngaphandle kokuthatha i-rublecy rubles, kuthiwe kwingxelo yayo nge-RAS.. Ingaphezulu nangaphezulu ngo-2019, xa imali yabemi kwiBhanki kaRhulumente ngaphandle kokuthathela ingqalelo i-Guarnationcy Veali yoongeze i-4.7%.
Isabelo se-sberbank ngendlela yomntu onokuthi ugqithe iipesenti ezingama-40, kwaye kwenzeka ntoni kuyo kakuhle indlela ekwinkqubo yebhanki. I-Central Bank ayikapakisha izibalo zonyaka, kodwa nge-1 kaDisemba, iimali zabemi (iidipozithi zabemi (ii-akhawunti ze-Russia zaphakama kakhulu - nge-6.2% ye-ruble i-ruble. Esi siphumo sibandakanya ukunyuka okuthintelwa kweedipozithi zemali ngenxa yokuwa kwe-ruble, ngaphandle kolo meko yemali, ukukhula kungaphantsi. Nangona kunjalo, ngoDisemba, iimali zabemi ezibhankini zikhula ngokwesiko: Phambi kweholide zonyaka omtsha, umvuzo kunye nepenshini zihlawulwa kwangoko.
Imali mboleko, ukutshintshiselana, iakhawuntiIgalelo elibalulekileyo ekunyuseni kwiingxowa-mali zabemi kwiibhanki zibandakanya iiakhawunti ze-ESCROR: Ukusuka kwi-137 yezigidigidi ekuqaleni konyaka baqhubela phambili kwi-ruble i-ruble eyi-1. Nge-1 kaDisemba. Intsalela ekhulayo kwii-akhawunti zika-Eskrow zibonelela nge-2/3 yokukhula kwemali ye-ROKINS kwiibhanki, ababaleki kwi-Arhente yoVavanyo lweSizwe (i-NRA) ngokwe-Central Bank ngoJanuwari-ka-Okthobha. Rhoqo, abathengi badluliselwa kwiiakhawunti zeakhawunti e-Escroy kwiidipozithi ezifanayo, bathetha i-vting fitch fitch anton lopct fitch i-loptn: ijika inqamleze igrafu enye kunye nokukhula kwenye, nangona imali ihlala ngaphakathi kwinkqubo yebhanki.
Kodwa iidipozithi zincitshiswa kunye namaxabiso: Ngokwebhanki ye-Central, ngee-ruble ze-ruble. Kwiinyanga ezili-11-ukusuka kwi-22.9 trillion ukuya kwi-21.2 yezigidi yesigidi. Ekupheleni kwekota yeedipozithi, ngakumbi imali, abantu baye baqhelwa kancinci ukuvula ezintsha. Kodwa ukwanda okungathethekiyo kwiakhawunti yangoku - ukusuka kwi-7.5 trillion ukuya kwi-10.3 ye-ruble yezigidi. Isizathu sokukhula kwabemi bekukukhula kwemali ye-Escrow, kunye neeakhawunti eziqokelayo, zithetha uMlawuli we-Arhente oMkhulu we-Arhente ye-Arhente ye-NKR Alexander Alexander Alexander Consution, Ukubandakanya inkcitho yeenkqubo zemali mboleko, emva koko okwesibini zinomdla. Ukusuka kwinqanaba lokujonga, kuyaguquguquka ngakumbi ukulawula iindlela zotyalo-mali.
I-Sberbank ibonise ukonyuka okukhulu kwezinye iibhanki kwaye, kuthathelwa ingqalelo imeko yoqoqosho ngoku, uqonda uMlawuli oLawulayo wokuqinisekiswa kwe-Arhente yeNgcali uYuri Krikov. Kodwa kuyimfuneko ukonakalisa izinto ezibonelelweyo, kunye nengxelo enokuxoxisana nge-1 kaJanuwari, i-sberbank ayikapapashwa. Kwisiqingatha sesibini sonyaka ka-2020, kwiingxelo zedipozithi yabantu baseSBREbank Bekukho isithethi esihlukeneyo, iingcali: Ukukhula kwenyanga kuye kwathintelwa, kwaye ngoNovemba kwakuyinto ebonakalayo. Amandla akho athembekileyo othengisa amatyala athengiswayo aqinisekiswe kukwanda kweemali kwiiakhawunti zangoku: Abantu abakhawulezi ukuphinda baphinde bafumane imbuyekezo yokuphela.
Kwi-shberbank ngoDisemba, ndenze (kwaye ukuza kuthi ga ngoku) iprodevklad kubathengi abatsha kunye nabo bangakhange bathathe imali kwiinyanga zamva nje kwiinyanga ezili-4,5 ngonyaka. Ukongeza, kude kube ngumhla we-15 kaDisemba, ibhanki yenze umnikelo wendlela yokuthatha iRetail enenqanaba le-3.6-4% ngonyaka (ngaphandle kwamasebe).
Kwikota yesithathu, ingeniso yokwenyani yamaRussia yaya kuqhubeka - ngama-4.8% ngonyaka, iRosstat ixelwe. Amanani engeniso kunye neendleko zamaRussia ayagqwetha ngokuthathela ingqalelo iiakhawunti ze-Escrow kunye notyalo-mali lwe-Russia kwi-orchings, babhalisa abahlaziyi bebhanki ephakathi (uluvo lwabo alunakukwazi ukujongana ne-Central Banks). Kwimarike yevenkile, abantu baseRussia babamba malunga nee-rubles ezisi-7, okanye malunga neepesenti ezingama-20 zeengxowa-mali ezibhankini.
Kodwa ukhetho lwezixhobo zotyalo mali lwabatyali mali abangafanelekanga alubanzi (ngakumbi ngokuthathela ingqalelo imiqobo entsha yebhanki ephakathi), amanqaku e-Belikov. Ke ngoko, xa kuvaliwe iidiphozithi, imali ayizishiyi iibhanki kwangoko. Nangona kunjalo, ngonyaka wama-2021, inqaku elinemikhwa eliphezulu liya kuqhubeka, iingcali zengcali: Siza kubona ukuba i-upow yemali yokwenyani ngelixa abemi bezinye iindlela zokutyala imali, njengentengiso yesitokhwe. Inkqubo iya kunyibilika ngexesha, asilindelanga uxinzelelo lwexesha elinye lokuhlawula imali, ngakumbi ukusukela kwicandelo lixhasa ulondolozo lwayo olubonakalayo. Kunyaka olandelayo-enye i-on ruble i-ruble ye-stock, 3-3.5 yezigidigidi i-ruble ikhokelele, uMlawuli we-Accra Mikhail Sukhov. I-arhente yokulinganisa kazwelonke yaqinisekisa ukuntywila kwe-3.4 yeeriliyoni ze-ruble, kodwa kwi-roindn iminyaka emihlanu.
Ingxaki - ixesha lokugcinaKutheni le nto ukwehla kwe-Bets kwiDepos kwiZithembiso, ukuhamba kwemali kwi-stock yotshintshiselwano kunye nengxaki encitshisiweyo ingeniso yabemi, ukhawulezisa ukhula kwiibhanki?
Ukukhula kolondolozo ngo-2020 - i-phenomenon yehlabathi, iqala i-vtb ye-vtb "kwi-cis naseRussia Alexander Isakov. Ke, e-US, kwiinyanga ezimbini emva kokuqala kobhubhane, iidipozithi zaphakama kwirekhodi $ 1.8 trillion (idatha ye-Inshurensi ye-Inshurensi ye-Inshurensi ye-Inshurensi yedipozithi). Ukukhula kolondolozo luphawu lokuzinga lokuzinga-abantu bathembekile kwingeniso yabo, zama ukuchitha imali encinci kwaye bafumane ukuhanjiswa kwamandla, kucacisa i-ISAKOV. Kubunzima, ireyithi yolondolozo ihlala ikhula, umhlalutyi oyintloko weAlfa-Bank Natalia Orlova iyavuma. Umzekelo, ngo-2015, abantu bathumela irekhodi le-14.1% yengeniso kwindawo yokonga.
Ukonga ukhule kwabo ichukumisa engakhange ibethe: Ingeniso yabo ngo-2020 yayingachaphazeleka kakhulu, kwaye iindleko zaliwe. Ke, ukwala ukuhamba kwandise inani le-1.5 yeeriliyoni zeralle, kuvavanyiwe i-Central Bank. Ke ngoko, ireyithi yolondolozo kwikota yesibini, xa i-veraatine enzima yenzekile, ihlawulwe kwingxelo ye-18.2%, kunye nesithathu sawa kwi-2%.
Esinye isizathu yinkxaso yombuso kunye nemali mboleko, ithathela ingqalelo i-Earist Economist eRussia kunye ne-CIS DMMMY DMPKIn. Ngokutsho kwabahlalutyi be-NRA, iintlawulo zentlalo kubantu bagqwetha uluhlu lwegalelo labemi nge rublies ezingama-290.