Amasheya weSerberbank angenye yezinto zokuphepha ezinhle kakhulu emakethe yaseRussia, efakiwe kulokho okubizwa nge- "Blue Chips". Ngaphezu kwalokho, amasheya weSberbank nakanjani angummeleli omuhle kakhulu womkhakha wezezimali waseRussia wezomnotho emakethe yamasheya asekhaya, ngoba namuhla kungukuphela kokuphepha okudumezwe yisikhungo sezikweletu.
Ukuthenga amasheya kaSenberbank kungaba ngenye indlela enhle embhalweni wasebhange, kufaka phakathi iSenberbank ngokwakhe. Inqubomgomo yezinqubomgomo zenkampani ivumela abatshalizimali ukuthi bathole imali ezinzile, okuyinto ethile yeminyaka edlula amanani amadiphozithi asebhange.
Amasheya ezinkampani zaseRussia
Amasheya weSerberbank: Imininingwane
Amasheya weSerberbank akhishwe izinhlobo ezimbili: ezejwayelekile futhi ezinelungelo. Okuhlangene kanti labo kanye nabanye bangama-ruble amathathu kuphela. Njengamanje, kunezingcezu eziyizigidi eziyizinkulungwane ezingama-21,5 zamasheya ajwayelekile kanye ne-1 billion enelungelo. Ukuphepha kukaSberbank kwadlula ukufakwa kuhlu futhi kwathengiswa ekushintshaniseni kweMoscow. Ziphakathi kokuphepha okuwuketshezi kakhulu.Ngokusho kwesikhungo sezezimali uqobo, namuhla isabelo sayo sabelo sabelo sisatshalaliswa kanjena. Umbuso kumuntu woMnyango Wezezimali Wezimali weRussia Federation ulele ama-50% kanye nesabelo esisodwa. Phambilini, le phakheji ingelowebhange eliphakathi, kodwa yathengiswa ngoMnyango Wezezimali. Ngaphezu kwalokho amaphesenti angama-43,5 asema-akhawunti ezinhlaka ezingokomthetho - abangewona abahlali. Elinye i-2.27% lingezinkampani zaseRussia. Kanye nama-4.23% asele kubantu.
Inqubomgomo yezinqubomgomo zeSerberbank
I-Sberbank ingenye yezinhlangano ezizama ukunamathela kumazinga okusobala abaphathi. Inqubomgomo yezincwadi zakhe iye yamenyezelwa obala kudokhumenti eshicilelwe kuwebhusayithi esemthethweni.
Ngokusho kwenqubomgomo yeSabelo seSerberbank, inani lokugcina lezinzuzo linconywa yiBhodi Yomphathi futhi livunywa ngumhlangano jikelele wabanikazi bamasheya. Ngasikhathi sinye, ukuphathwa kweNkampani kufuna ukuqinisekisa ukuthi cishe amaphesenti angama-50 ezinzuzo atholwe ngokuya ngohlelo lokubika lwamazwe omhlaba kufanele lithunyelwe kumtshalizimali.
Noma kunjalo, kudingeka uqonde umehluko phakathi kwezinhloso ezinhle namaqiniso wangempela. Inzuzo nayo ingathunyelwa ekuthuthukisweni kwenhlangano, kwizinhloso ezithile ezibalulekile nezidingo eziphuthumayo. Ngenxa yalokhu, izabelo ezilindelekile kuze kube yilapho isimemezelo sazo esisemthethweni singakhomba futhi isihloko sokuqagela kwabatshalizimali ngomqondo ongokoqobo kakhulu, wokushintshana.Amasheya weSerberbank: Izinganekwane Namaqiniso
Kunesethulo esingeniswe emakhanda amaklayenti eminyango yezentengiso nezokukhangisa, ukuthi iSenberbank ikhona ngaphezulu kweminyaka eyi-140 futhi iholele umlando wayo cishe kusukela ngesikhathi seMbusi uNicholas kuqala kusukela ngesikhathi seMbusi uNicholas kuqala kusukela ngesikhathi seMbusi uNicholas kuqala kusukela ngesikhathi seMbusi uNicholas kuqala kusukela ngesikhathi seMbusi uNicholas kuqala. Eqinisweni, kuyinganekwane enhle. Ikakhulu, uma ubheka le ndaba ngombono osemthethweni.Eqinisweni, ngombono wanamuhla, uSenberbank wasungulwa ngo-1991 ngesisekelo soMthetho "emabhange nasemisebenzini yasebhange" ka-1990 njengenhlangano entsha yezomthetho. Akuzange nganoma iyiphi indlela i-Enaliya owayezongena ebhange langaphambili le-USSR, elalikhona ngokufana neSberbank yaseRussia kuze kube ngu-1992. Lokhu kuyaqondakala, uma kungenjalo kube yinqwaba yezimangalo zokunxeshezelwa kweminikelo eqandisiwe ngesikhathi sobusoshiyali sekwedlule isikhathi kungadilizwa.Ngakho-ke, iSenberbank yanamuhla iyisitolo sezentengiselwano, esitezi saseNtshonalanga "iyathengiswa" ibhange, ngesici esithile - isitoreji sayo esilawulayo sisengombuso. Kulokhu, yiqiniso, ibhange aliphenduli ezikweletini zomnikazi walo, naphezu, kanye nanoma iyiphi enye inkampani ehlanganyelwe.
Ngo-2020, iqembu lezinkampani lamemezela elinye i-rebranding. Manje uzobizwa nje ngokukhethwa nje, hhayi iSberbank. Ngokuvumelana nalokhu, kungenzeka ukwandisa insimu yomsebenzi, ukudala izakhiwo ezintsha, njengemali ekonga, njll. Kodwa-ke, kuyathakazelisa ukuthi le nto ngqo "i-sber" ebisanda kubizwa ngokuthi ababambiqhaza abangochwepheshe kumasheya wezokuphepha enziwe ngenye yezinkampani eziyizintandokazi zazo. Basho kanjalo: "Thenga noma bathengise isihluku."
Izimpumelelo zangempela zeSberbank
Ukuhlala ebhange elikhulu kunawo wonke ezweni elingaphansi kwe-patronage ekuqaleni kwebhange eliphakathi kweRussia Federation, futhi manje usenkonzo yezimali - ukufaneleka akukuhle. Noma kunjalo, kuyadingeka ukuvuma: I-Sberbank namuhla igcina amakhasimende naphezu komncintiswano onzima namanye amabhange okuhweba. Noma naphezu kohlelo lomshuwalense wediphozi, olulingana namathuba, iSerberbank isabhekwa njengokuthembekile kakhulu ngokwesibalo sabantu bezwe.
USberberbank uvame ukugxekwa, kwesinye isikhathi ngisho nangokweqiniso. Noma kunjalo, izinsizakalo zayo zokugcina imali, ukuqhuba ama-akhawunti okuxazululwa, ukulungiswa kwe-inthanethi kwabantu kanye nezinhlaka zezomthetho zisafunwa. Kuze kube manje, iSenberbank inama-akhawunti angaphezu kwezigidi ezingama-96 eziyimfihlo nama-2.6 million. Inani labasebenzisi bohlelo lwe-onlinebank online lidlula ezigidini ezingama-70. Ngakho-ke, ukuthenga amasheya weSenberbank, umtshalizimali uba ngumnikazi waba ngumnikazi wakho konke lokhu kuthola le nhlangano.
Izinkomba Zezimali
Ngosuku lokugcina lokubika, okungukuthi, ezinyangeni eziyisishiyagalolunye zokuqala zika-2020, iSenberbank ikwazile ukukhombisa imiphumela emihle. Inzuzo ye-Net ifinyelela kuma-ruble angama-78.8 billion, inzuzo yenhloko-dolobha yayingu-19.6%, kanye namafa 3.1%. Iphothifoliyo yemalimboleko ye-Retail yeBhangengodze okokuqala idlula ama-ruble ayi-8. Ngalesi sikhathi, imalimboleko yempahla ebanjiswayo yanikezwa ama-ruble angama-260 ama-ruble. Ngasikhathi sinye, iphesenti lemalimboleko eyeqisayo lehlile lisuka kumaphesenti angama-3.30 laya kuma-3.25.
Amanani wokushintshana eSenberbank anjalo. Capitalization - 6.47 Trillion Rubles, P / E isilinganiso ekuqaleni kuka-2021 7.39, P / B Ratio 1.36.
