Izabelo ze-sberbank ze-sbenbank zenye yezona zinto zikhuselekileyo kwimarike yaseRussia, equkiweyo kwi-chips eluhlaza ". Ukongeza, izabelo ze-sberbank ze-sberbank zezona zimele imbali ye-Russia elona candelo loqoqosho lwasekhaya, kuba namhlanje luphantse kupapashwe kuphela iziko letyala.
Ukuthenga izabelo ze-sberbank ze-sberbank kunokuba enye indlela elungileyo kwigalelo lebhanki, kubandakanya i-sberbank yedwa. Umgaqo-nkqubo wokwahlulwa kwenkampani uvumela abatyali-mali ukuba bafumane umvuzo ozinzileyo, olwayiminyaka emininzi ngaphezulu kwamaxabiso ebhankini.
Izabelo zeenkampani zaseRussia
Izabelo ze-SBERbank Kuba: Iinkcukacha
Izabelo ze-sberbank zakhupha iindidi ezimbini: eziqhelekileyo kwaye zinelungelo. Oonobumba kwaye abo kunye nezinye zii-ruble ezintathu kuphela. Okwangoku, kukho okungaphezulu kwama-21,5 eebhiliyoni zeziqendu zezabelo eziqhelekileyo kunye neliwaka lezigidi eziyi-1. Ukukhuseleka kwe-sberbank kwe-sberbank okhutshelweyo kwaye wathengiswa kwi-MOSCOW. Ziphakathi kwezona zinto zikhuselekileyo zamanzi.NgokweZiko lezeMali ngokwalo, namhlanje imali yayo yokwabelana yasasazwa ngolu hlobo lulandelayo. URhulumente emntwini weCandelo leCandelo lezeMali leNkqubo yeMali yaseRussia ulele kwi-50% kunye nesabelo esinye. Ngaphambili, le phakheji yeyokuthengiswa kwebhanki, kodwa yathengiswa yinkonzo yemali. Iipesenti ezingama-43,5 zikwiiakhawunti ezizomthetho - abangengabemi. Enye i-2.27% yeinkampani zaseRussia. Kunye ne-4.23% esele kubantu.
I-Displend Ampotshi yeZabelo ze-SBERBAnk
I-Sberbank yenye yemibutho ezama ukubambelela kwimigangatho yolawulo. Umgaqo-nkqubo wakhe wokwahlulwa kwakhe ubhengeziwe ekuhleni kuxwebhu olupapashwe kwiwebhusayithi esemthethweni.
Ngokwe-hluwe-hlulwe umgaqo-nkqubo we-sberbank, ubungakanani bokugqibela beesahlulo kucetyiswa yibhodi yolawulo kwaye yamkelwe yintlanganiso jikelele yabanini zabelo. Kwangelo xesha, ukuphathwa kwenkampani kufuna ukuqinisekisa ukuba malunga neepesenti ezingama-50 zenzuzo efunyenwe ngokungqinelana nenkqubo yokunika ingxelo yamanye amazwe kufuneka ithunyelwe kumtyali-mali.
Nangona kunjalo, kufuneka uqonde umahluko phakathi kweenjongo ezilungileyo kwaye ubunyani benene. Inzuzo inokuthunyelwa kuphuhliso lombutho, kwiinjongo ezithile kunye neemfuno ezingxamisekileyo. Ngenxa yoko, iindidi ezilindelekileyo de isaziso sabo saseburhulumenteni sinokuba sibonisa ngakumbi kwaye umxholo wokuqikelela kwabatyali-mali kwezona zinto zibalulekileyo zeLizwi.Izabelo ze-sberbank ze-sbenbank: iintsomi kunye nenyani
Kukho intshayelelo engeniswe kwiiNtloko zabaThengi kunye namasebe entengiso, ukuba i-Sberberbank ibikhona kwiminyaka eli-140 kwaye ikhokelele kwimbali yayo kuqala. Ngapha koko, yintsomi entle. Ngokukodwa, ukuba uqwalasela lo mbandela kwimbono esemthethweni.Ngapha koko, kwimbono yanamhlanje, i-Sberbenbank yasekwa ngo-1991 kwisiseko somthetho "kwiibhanki nakwimisebenzi yebhanki" yowe-1990 njengeziko elitsha elisemthethweni. Kwakungeyiyo nayiphi na indlela eyimfihlo ye-SAAvings ye-USSR ye-USSR, eyayikho ngokuhambelana ne-sberbank yaseRussia kude kube ngo-1992. Oku kuyaqondakala, ngenye indlela ukugungqa kwamabango okuhlawulwa kwembuyekezo yemirhumo ye-frozen ngexesha lezoluntu ekuhlaleni kunokuwisa.Ngenxa yoko, i-Sberbank yanamhlanje ithengiswa, kwi-protimology yentshona "ithengisa" ibhanki, kunye nenxalenye ethile-ukugcinwa kwayo kusakho. Kule meko, kunjalo, ibhanki ayiphenduli kumatyala omniniyo, kwaye ngokuchasene noko, kunye nayiphi na inkampani edibeneyo.
Ngo-2020, iqela leenkampani lalisa lazisa olunye kwakhona kwakhona. Ngoku uza kubizwa ngokuba kukhetho nje, hayi i-sberbank. Ngokuhambelana, kunokwenzeka ukuba wandise intsimi yomsebenzi, ukudala izakhiwo ezintsha, ezinjenge-Suvings chimney, njl njl. Nangona kunjalo, kunomdla wokuba le "yi-serber" ebizwa ngokuba yingcali yabathathi-nxaxheba kwizabelo zentengiso yezokhuseleko yenye yeenkampani abazithandayo. Babesithi: "Thenga okanye uthengise i-savage."
Impumelelo yokwenyani ye-sberbank
Ukuhlala ebhankini enkulu kweli lizwe phantsi kwendibano ekuqaleni kwebhanki ye-Russian Federation, kwaye ngoku iSebe lezeMali - i-Gerit ayilunganga. Nangona kunjalo, kuyimfuneko ukuba ivume: i-sberbenbank namhlanje igcina umthengi ngaphandle kokhuphiswano olunzima nezinye iibhanki zorhwebo. Kwanaphandle kwenkqubo ye-inshurensi yedipozithi, ehambelana namathuba alinganayo, i-sberbank isaziso ithathelwe ingqalelo kakhulu ngokwemigaqo yelizwe lelizwe.
I-sberbank idla ngokugxekwa, ngamanye amaxesha ifanelekile. Nangona kunjalo, iinkonzo zayo zokugcina imali, iiakhawunti eziqhubayo, ukulungiswa kwe-intanethi zabantu kunye nemibutho yezomthetho isafuna imfuno. Ukuza kuthi ga ngoku, i-sberbank ibingaphezulu kwezigidi ezingama-96 ezizigidi zabucala kunye ne-2.6 yezigidi. Inani labasebenzisi benkqubo ye-Sberbank ye-SBERbank idlula kwizigidi ezingama-70. Ke, ukuthenga izabelo ze-SRBEBK's, umtyali-mali uba ngumnini walo lonke olo qoqosho kwaye unokufaka ibango lengeniso kwingeniso yalo mbutho.
Izalathisi zeMali
Ngomhla wokugqibela wengxelo, oko kukuthi, kwiinyanga ezisithoba zokuqala ezingama-2020, i-sberbank ikwazile ukubonisa iziphumo ezilungileyo. Inzuzo ye-It ifike kwi-79.8 yezigidigidi zeerandi, inzuzo ye-capital yayiyi-19.6%, kunye nee-asethi 3.1%. Iphothiti ye-Rethail yeBhanki yeBhanki okwesihlandlo sokuqala idlula i-ruble yellion eyi-8. Ngeli xesha lemali mboleko yemali mboleko ikhutshwa kwi-260 yeebhiliyoni ze-rubles. Kwangelo xesha, ipesenti yemali mboleko egqithisiweyo yehlile ukusuka kwi-3.30 ukuya kwi-3.25 pesenti.
Amaxabiso otshintshiselwano kwi-sberbank enjalo. I-Imali ye-Supebs - 6.47 yezigidi zeerillion, i-P / E umyinge ekuqaleni kwe-2021 7.39, i-P / B REo 1.36.
