"AyManiBank": matambudziko, rating, mutengi wongororo

"AyManiBank" dambudziko iro ichikutadzisa iri Kusagutsikana kudivi rimwe chikamu vatengi, kusvikira ichangobva aizivikanwa chete Gorno-Altaisk. Mumakore maviri apfuura sangano zvemari zviri kushingaira, izvo zvinoita kuti kuenda yeUnited padanho uye ari ndima pamwe nemabhengi kupfuura munyika. Panguva iyoyo, bazi Network chinosanganisira 31 mahofisi dzakasiyana dzeRussia. Institute of Finance chete inoshanda nevanhu zvinowanikwa zvakawanda mabasa. Pakati vaitaura pane deposits uye Rental mubhangi mabhokisi vakachengeteka, zvakawanda chikwereti zvigadzirwa. The rinofarirwa kupfuura basa, izvo inotiratidza kuti sangano se "AyManiBank" muSt Petersburg uye mamwe maguta munyika - zviri repair kwezvikwereti.

History of pamahombekombe

Basic pamahombekombe nokuti nokuvhura nesangano se "AayManiBank" dambudziko iro haana kurega panguva zvoupfumi, hapana aiva kuzarurwa muna 1992 "Altayenergobank". nyaya yake yakaguma muna 2013. Panguva iyi iri mari nyika somugumisiro apiwa branding uye "AyManiBank" rinowanika. Mukutanga zvokukura "Altayenergobank" inopa rubatsiro chete mukati iyoyo. Kubvira makore 2000s, kurapa tsika akatora chisarudzo chakakura yokubva yeUnited chechetere. Kubvira 2009, Institute anopinda mazita pamusoro mabhanga 500 munyika. Mushure rebranding, mari nzvimbo chekambani anochinja kero huru hofisi, iyo zvino vakatamira Moscow. Muna 2013, pane kuchinja zvakakwana nzira okukura of Institute. Kana muna 2012 chikuru muupenyu yave iri nevatengi nechikwereti, zvino, kutanga muna 2013, huru pakashandwa rinotarisa magadzirirwe zvikwereti motokari. Pakazopera "AyManiBank" matambudziko 2014 kuti vasinganzwisisi sei nowakautangira ake, akanga watova ndandanda pamusoro mabhanga gumi munyika kubudikidza Vhoriyamu akabudisa zvikwereti kutenga motokari. Nhasi, zvikwereti motokari ndasara chokutanga. Pamusangano LEVEL akanga amutswa, uye dzimwe rwezvemabhengi zvigadzirwa.

Active Kugadzirwa zvikwereti motokari

Sezvataurwa pamusoro apa, chikuru rwezvemabhengi chigadzirwa Institute - motokari chikwereti. Zviri mirayiridzo iyi rinoitwa rinoita basa rinoitwa kusangana pamwe munyengeri network kuti motokari Implementation. Zvakanyatsorongwa kuumbwa kudyidzana itsva, kuwedzera pamazita pfungwa, apo private vatengi kuwana chikwereti. Vazhinji zvigadzirwa, kunze kwemipiro nechinangwa vatengi vanenge vakatowana motokari chikwereti. Vanogona kuonekwa chete sezvo iri nyore uye zvinobatsira kuwedzera chikwereti SERVICING. nzeve zvikuru utariri inobhadhara nyore rwezvemabhengi Services vatengi ayo pose munyika. Mumwe munhu anoda kubetserwa inowanika pamwe munowanika pachavo nyaya pamusoro pamutemo Website of Institute uye paIndaneti rwezvemabhengi "AyManiBanka" - "Ini-Click". Kure kuwana nhoroondo inongogara kuitwa akavandudzika. The mazita Internet mabasa zvakanyatsorongwa rakawedzerwa, mikana mitsva, kuvandudza padanho kuchengeteka. Kunyengetedzana mutsva zvinogona vadiwa, bhengi racho utariri inongogara kuwedzera mikana iri zvatinoita muripo mabasa ayo, nezvipiriso zvikuru nzira itsva kukarukureta. Nhasi, motokari chikwereti inogona kubhadharwa kunyatsonzwisisa zvaunoda mashoko kuburikidza zvakadai mubhadharo enyika ave "Mutungamiriri" uye "JCB", "Rapid" uye QIWI, CyberPlat. "AyManiBank" muSt Petersburg yaro mamwe mahofisi munyika vari nhengo "United Settlement System", raisanganisira 120 mudzimba mabhanga, pova mumiririri 40000th.

Reviews basa Bank raMwari

"AyManiBank" hofisi nzvimbo iri nyore chaizvo kuwana mumaguta kupfuura nyika, mwoyo zhinji vatengi vane mazano zvakazoita kuti kwaita akawandisa nezvokubatsira Kudyidzana pamwe Institute. The nyanzvi vakaperekedza ane tinyatsonzwisisa vakawanda wongororo, vakabvumirana kuti pamahombekombe ane zvose zvakanakira nekuipira. Vatengi vakawanda nenzira yakanaka taura pamusoro siyana zvirongwa motokari chikwereti. Mate afadzwa kudzoka mari kubhengi nhoroondo kutenga huni sangano kadhi. "AyManiBank 'wongororo asina akanaka chete. Kune vazhinji guru chikamu vatengi vari kugunun'una pamusoro dubious mukurumbira motokari Salons nayo pamahombekombe ane kudyidzana. Kana deposits, kazhinji vanhu vanotaura pamusoro oma mamiriro ezvinhu pakudyidzana uye zvakarurama kunzwisisa hurongwa kuchaja mubereko. Kana zvikwereti motokari chete, chikuru kusimbisa ari kumbonyanya guru overpayment. Kune vanhu vane kugamuchira yakapikirwa nokushambadzira pasuru, uye vakagumburwa pamusoro ine kuramba. Kana kadhi "Avtokopilka 'maonero zvakapatsanurwa. Pane zvakawanda vatengi vari kugutsikana zvizere chigadzirwa Data kumahombekombe. Kwete pasina varidzi makadhi kuti mapurasitiki akarwiswa pashure mishomanana kushandiswa, pamwe zvose zvivako zviri pamusoro payo. Maererano navo, CB "AyManiBank" pasuru zvinoda makopi magwaro nokuti kwavo asipo ari Database. Kana mangwanani mutsividzo of chikwereti kutenga refusals inishuwarenzi motokari kuti kudzoka kuonekwa.

Ratings uye insignia

Key zviratidzi zvemari hwokurara "AyManiBank" dambudziko riri ichikutadzisa zvaunganzwa pamusoro chikamu vatengi, riri chinoratidza kuti sangano rimwe zvemari mune mazita pamusoro mabhanga 200 munyika. Kudeuka rwezvemabhengi Portal Banki.ru, tinyatsonzwisisa mabhanga 'nemakasitoma, mueni chirongwa, vakapiwa tsika nezvetsika pamusoro masangano gumi zvemari munyika somugumisiro yenyika kuera. Muna 2014, sangano "Expert RA" vakacherechedza mari sangano raMwari paIndaneti rwezvemabhengi mumwe zvikuru dzichipfekeka Internet Services munyika. Zvinogona vakagumisa kuti simba management masangano vasina vakapedza pasina. Maererano Moody aiva nokufungidzira, muna 2014 pakagadzwa pamwero wenyika Rating akanzi Baa3.ru, uye pamusoro pose - B3. Kubhangi Kunoonekwa akatsiga. Inoshandiswa "Rus-Rating" yakataurawo kuti Bank somunhu akatsiga uye paakavapa kwaari National kureva kuti BBB + uye BB International.

Chii hariguti kubhangi kuti vatengi vari zvikwereti motokari?

Nokuti kuti "AyManiBank" Ltd. unyanzvi mune zvikwereti motokari, vakawanda mashoko tsika zvemari hwakabatana pamwe kwakadai chigadzirwa. Vanhu kunyora kuti panguva padariro vanyorwa Kudyidzana yacho kubhangi vashandi munogara haana kupa mashoko echokwadi pamusoro chikwereti mazwi. Pane ruzivo kuti kusaina esungano kubhangi kuti vanachiremba vataura mamwe mashoko pamusoro chikwereti, uye pashure magwaro kunge akasaina, ivo zvakasiyana. With Panyaya rokupedzisira mashoko, pano vatengi pachavo kupomera. Vanhu kuedza kuchengetedza nguva yako, chete havatsvaki kuverenga multi-chibvumirano uye kusaina pakarepo. Izvi zvinokonzera risingafadzi mamiriro ezvinhu mune ramangwana, kana totaura nguva kuti rendi. Kusagutsikana kwakadaro kunogona kuonekwa kwete chete pachinhu nemasangano dzakadai "AyManiBank" muMoscow, asiwo hukama nemamwe mabhanga. Kusiyana akaipa wongororo pamusoro kambani unogona kuwana mashoko okuonga mazhinji kubva vatengi avo noungwaru vakasarudza motokari chikwereti uye nguva dzose mitoro yavo kwaari.

Plans ramangwana

"AyManiBank" kureva riri kumusoro zvokuti haisi zvokuti munhuwo pamahombekombe sezvo basa rubatsiro kuwana imwe motokari chikwereti. Mumwe unyanzvi pakati kubhangi - zviri zvikwereti richengetwe nokuda imotokari. Zvino kune vanenge 30 mapazi munyika, utariri anoronga kuvhura kanenge mumwe 50 mapazi. Offices chichange iri nechimwe yeUnited mumaruwa Russia. It ichakurumidza chinovhiringidza tiite kwerunyararo zvose yemakambani vatengi. Mune ramangwana, vakaronga kubatanidzwa kupfungwa nemari dzimwe vanoita, izvo zvichaita kuzarura nzira pakagadzwa mazana pamusoro mabhanga Russian. Pfungwa achaitwa rakatangwa muna matatu akatevera. Nokuti anotevera zvishanu aronga kubhangi kuti vaitungamira nezvenzvimbo dzacho chidimbu basa kwemakore. Kana tichitenda yebhizimisi zano kubhangi, iyo yava kunzi chinozoiswa mberi, munguva yemberi ichava nyika kukurumidza kuwedzera masangano zvemari munyika.

Ichitaura May 1, 2015

Institution "AyManiBank", ane kuvimbika iri yakakwirira yakati sandara, ndezvaiye muchikwata che svikiro kadikidiki mabhanga Russian. Iye runobva kuna 170th nzvimbo pamambure zvavo muchikwata ichi. On May 1, 2015 mambure yesangano mari kumasangano vakasvika mabhiriyoni 22.87 rubles. Total yesangano nokuti gore yakawedzera 8.12%. Chakanaka kukura aiva inokanganisa kudzoka musi midziyo Royi. Maererano nemashoko inotevera nhau nguva, musi April 1, 2015 kumucheto yakaderera kubva 0.76% kusvika 6.63%. Moody`s sangano akashuma kuti tsika zvemari iri pasi zvikwereti pangozi mukuru, uye zvikwereti anoramba mwoyo 2015. Pane mukana wose mamwe vanodira. Zvichienzaniswa uye kufungidzira 2014, chakanga pamusoro apa, mamiriro ezvinhu akaita akarwarisa. Kana iwe enzanisa basa pamahombekombe nemamwe masangano zvemari mune muchikwata ichi munyika, saka zvakaoma kuzodana asina. Tsika zvemari haana aifanira kukurira zvokungoitawo Kutarisirwa uye liquidation kana kusauka pakuvhiya. Pasinei nezvinetso zviri yo yose yose zvemari nemauto munyika, Institute haana disclaimed basa. Kudzikira kana kuderera munyika Nhamba nokuda kwenguva 2014-2015 gg. Zvinonzi kuramba kuonekwa ndozvakajairwa pane atadze kushanda zvakanaka. Pasi matambudziko dambudziko yaive zvose mabhanga, uye "AyManiBank" hapana anosara. Chokwadi chokuti anoramba ishande wokura ayo samambure mapazi, pasinei yakaoma ezvoupfumi chete kunonatsiridza mutengi kuvimbika uye anowedzera padanho kuvimbana.

Holdings

Institution "AyManiBank 'deposits akakwezva chaizvo. Izvi imhaka zvakawanda uwandu migove uye bonuses, izvo vanoita zhinji vanoedzwa. Nezvesimba pfupi yakakwirira mari musika mubereko rates, izvo siyana 13,07% kusvika 15% zvichienderana papurogiramu. The yakanakisisa chipo sangano zvemari - ndiyo 16.29% nokuda okubhengi, izvo anopa capitalization mhindu. Panguva iyoyo, chevanorwara zvemari zvakakodzera akazadzisa ayo mitoro, uye mishumo asiri kwokuripirwa mubereko kana chipo chikuru asi. Kune vanhu vanotaura zvipikirwa tsika zvemari. "AyManiBank" deposits inongoitika vanhu kuti zvinotora kusvikira nhasi, akagovera mumwe mutengi TV panguva pakuguma dhipoziti. Mumwe anogona kuchengeta zvishomanana shanduko bhuku deposits pamwe yakafanana kuwedzera uwandu pachavo mari yacho kubhangi; uye dzomupepanhau zvemari MKB zvichibatanidzwa. Mubereko inobereka munataisireva pamusoro deposits kuti sangano zvemari yakawedzera anenge 10.4%, kubva pamabhiriyoni 17.4 rubles kusvika mabhiriyoni 19.21 rubles.

mvura-mvura midziyo

Pakati mushonga yesangano iri mubhengi muridzi zvinoreva kuti nekukurumidza inogona kuva mari kudzokera depositors dzavo uye kusangana zvakazara ayo wazvipira. Liquidity - iri chezvinonhuwira rakavimbika. Liquidity kuti midziyo anoratidza kuti mumwedzi rokupedzisira wakanyorwa kuchinja Vhoriyamu zvikuru emura kuchengetedzeka, kwakaratidzwa kuwedzera mari iri muruoko uye pamahombekombe nhoroondo Russia. zvikwereti Interbank yakawedzera, uye zvikuru emura yesangano, kufungisisa discounts uye kugadzirisa zvakachinja pamwe mufananidzo bhiriyoni 4,01 rubles kusvika mabhiriyoni 9,78 rubles. Mumakore okupedzisira nhau nguva "AyManiBank" deposits inongoitika vanhu yakawedzera kakawanda, izvo Akaperekedzwa kuwedzera munataisireva kuti vatengi. In dzakafanana, mumakore gore tsika zvemari chokuita zvoupfumi ezvinhu akanga akapararira munyika, guta guru water drainage nokuti gore yakawedzera kubva pamabhiriyoni 1,08 rubles kusvika mabhiriyoni 1.75 rubles. Tikaenzanisa emura zvinhu kuti uwandu guru water drainage zvinowanisa MUPARIDZI 558,26%. Zvinoratidza wakanaka kumucheto yokuchengeteka, rinogona kukunda zvikuru water drainage kuti guta, pane uya zvinoitika izvozvi.

Paaipedzisa kutaura

Kuongorora mamiriro ezvinhu ne "AyManiBank" bhengi (wongororo, ratings uye nhamba), nyanzvi kunotaurwa muchikwata che urongwa zvemari pachinhu yakavimbika masangano. Zvinokurudzirwa kuti mari, asi mari kwete kupfuura inishuwarenzi inopiwa masangano dhipoziti inishuwarenzi mu uwandu mamiriyoni 1,4 rubles. Kuderedza Moody aiva rating, pamwe kwenguva refu akaipa maonero, yemubatanidzwa, izvo zvakakonzera kutya pakati depositors, ane zvishoma chokuita mubhengi pachake mabasa uye kuti mamiriro ezvinhu mune zvoupfumi kuti kwakasimbiswa munharaunda Russia nhasi. kubhangi pacharwo nyore akaderedza Vhoriyamu rakapa zvikwereti motokari, asi haana kutyora mitemo uye anoramba kugara aite zvose mitoro awo vatengi. Chikonzero nehanya makambani vasipo nhasi, uye vakawanda mbiri ndowenyika nesangano dhipoziti inishuwarenzi. Vakangwarira vanoita zvisina varumbidzwa kuti mipiro nokuti iri chiitiko rwakashata zvaiitika mari yavo inogona nyore chando. Panyaya mutengi mhinduro, vakawana vose zvakanaka uye kunaka. Sezvandakakupai pamwe nemamwe masangano zvemari munyika, kugutsa zvinodiwa nomumwe hazvibviri. Uyezve, vanhu pachavo nokuda hanya kwavo uye hanya pamwe mabhanga dzinobvumirana kuti shoma kubatsira avo chaiyo ezvinhu uye mamiriro ipapo kuratidza hasha dzavo. A kutarisirwa shoma, tsanangudzo kuongorora mamiriro ezvinhu enyika Kudyidzana, wakakodzera bhengi chigadzirwa - uye pamwe chete mubhengi achasiya unofadza chete nefemero. Chero vanoti basa rinokosha masangano kupindura pakarepo.