All the fun of living banks and their clients in our review last week. Monday: Baturin switched to banking. "Russian land bank" for 5 years, the bank wants to increase foreign exchange of over 35 billion rubles. And the capital - more than 5 billion rubles. It is worth noting that the planned data is several times higher than current rates. Now the Russian land bank "is a 284-ranked by assets and 221-e - the size of the capital. Controlling stake in the bank (98%) belongs to the wife of ex-mayor of the capital, while the richest woman in Russia - Yelena Baturina. Bankers stimulated the purchase of housing. At least 12 major banks in the country over the past six months have improved the conditions for granting mortgage loans. In "VTB 24" and the ruble exchange rate fell 0,6-1,95%% in Sberbank to 0,75-1,5%, in the Agricultural Bank loans fell 1,5-2,25% in RosEvroBank "1-1,5%, in ATM-bank" and «DeltaCredit» ruble-denominated loans dropped in price by 0,75% per annum. Were also abolished the Commission for consideration of loan applications in the bank, "Housing Finance", "Unicredit and B & N". VTB could buy shares of Bank of Moscow. The volume of planned purchases until publicly announced. There is a theory that the acquisition of shares in the capital of the bank will change the effect on the assets inside the structure. Currently, the city directly owns 46.48% shares of the bank, while another 17.32% belong to him through a subsidiary, Capital Insurance Group. " Tuesday: In Russia may disappear one-third of banks. The Federation Council will review prepared by the Central Bank and the Ministry of Finance Project Banking Sector Development Strategy to 2015 ". The document envisages the installation of the new minimum capital requirements for the bank, which is expected to increase to 250-500 million rubles. Currently, banks can qualify for a license of the Central Bank, if their capital is not less than 90 million rubles. From 1 January 2012, this level would rise twice and will be 180 million rubles. Already to date with 199 banks do not have enough capitalization to 180 million rubles. - Are potential candidates for departure. In the case of raising the minimum requirements to 250 million rubles., The market can lose 30% of the banks. Medvedev opened the bank secrecy. Press office of the Head of State announced that Dmitry Medvedev signed a federal law amending the regulations on banks and banking activity "and" On Currency Regulation and Currency Control ". Changes allow the Federal Service of financial-budgetary supervision, the customs and tax authorities to request information from credit institutions of bank secrecy. At the same time put the responsibility of officials for disclosure. Changes establish and regulate the timing of providing information (14 days), as well as allowed by law to disclose bank secrecy in electronic form. The central bank had found illegal currency exchangers. Department external and public relations of Bank of Russia circulated information on the identification of 31 illegal point of working in Moscow. Of these 14 points are not even division of the bank. Following the inspection, the addresses of illegal exchangers bankers sent to law enforcement. Specialists of the Central Bank are reminded that a legitimate exchange service may be located exclusively in the capital building, which is not a temporary structure. Wednesday: The government legalize electronic money. The long-awaited bill on the National Payment System "was submitted to the Duma. Ministry of Finance engaged in its development for two years. Under the project, to regulate the market of electronic payments going central bank. Engage in this activity can and non-bank credit organization, each must have a license, and its stock can not be less than 17 million rubles. Zamminfina Savatyugin: "It is more logical to combine Sberbank and VTB. The Government took no action to merge the RTS and MICEX, said Deputy Finance Minister Alexei Savatyugin. According to him, about this issue arose excessive hype is based on the statement "some officials are not always the first level. The only thing that the state plans to do is just create the conditions for the possible consolidation of similar assets, which are incorporated into the development strategies of the financial market to 2020. The Speaker believes it is logical to merge the two state banks, VTB and Sberbank, than to connect two private exchanges RTS and MICEX. Thursday: Tinkoff will give credit for the post. In the coming days, Tinkoff Credit Systems (TCS) will launch a pilot project, involving the possibility of filling the application for a credit card in one of the 4 th post offices which are located in 16 regions of the country. The cost of processing applications for plastics will be about 500 rubles. Earlier, TCS received via e-mail contributions to the population - almost a year managed to attract about 400 million rubles. Capital Tour "will be sold to Bank the International Finance Club. He has agreed to buy a tour operator under the terms of: preparing a promising business plan development, and reaching agreement with creditors on debt restructuring. The transaction price could reach $ 15 million The funds will be used to stabilize the financial condition of tour operators, an increase of capital and internal reforms aimed at increasing profitability. Friday: The Central Bank embarked on a path of progress. Innovation touches document on changes in credit institutions. Market participants are confident it will significantly save time, because now the answer of the Central Bank often takes 2-3 weeks. And considering that on any change of the bank on a mandatory basis should inform the regulator is "pigeon talk" often creates many problems. The amendment will be included in the instruction of N 135-I. Now the banks will send all documents in electronic form. After obtaining the necessary securities Bank of Russia, in turn, will have to redirect them to the Federal Tax Service, and get back to answer the original source. In Russia 11 million active credit cards. Such an estimate the domestic credit card market has given one of its largest players - TCS Bank. Turnover on plastic has exceeded 500 billion rubles. As a result, it is possible to reach a record level. For comparison, in 2007 the Russian market was 9.1 million credit cards in circulation in 2005 - 2.5 million, and in 2003 - and at 0.2 million This statistic allows a very optimistic about future growth, say The authors of the study. However, in their opinion, the level of penetration of credit cards in Russia is still very low compared with other countries. So, if in Poland per capita has 0.3 credit cards in Italy - 0,6, in the UK - 1.1, Japan - 2.4, in the U.S. - more than 4, then in Russia the figure is only 0 1. "Bank of Cyprus" has found a beneficial interest. The head of Bank of Cyprus, "declared the possibility of selling 20-30% of the shares UNIASTRUM" in 2014-2016, respectively. This will happen on the Russian sites as soon as a suitable situation. But from the Russian branch of Bank of Cyprus does not intend to get rid of completely. Our bank gives 12% return the entire group of owners. "We are happy to work on the Russian market and look forward to continued success here. We will stay here very, very, very long time "- said the managing director of Bank of Cyprus" Janis Cyprus. Bank Week - The International Finance Club. He heroically saved the Capital Tour from bankruptcy, agreeing to buy a travel company for $ 15 million balance of exchange: the past week the dollar has risen in price by 10 kopecks to 30.94 rubles., While the euro gained weight 12 cents, reaching 42.23 rub.
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