All the fun of living banks and their clients in our review last week. Monday. "Savings Bank" has made an unpleasant surprise for his former employees - he has published lists of dropouts at the initiative of management. In the "black list" containing names of 426 officers suspected of unscrupulous work. Probably, they no longer have to work in the banking sector because these dropouts are freely available on the official site of the main bank in the country. Bank VTB and its "daughters" ("VTB North-West", "VTB 24") is considerably easier. The rating agency «Moody's» elevated the status of credit institutions with a "negative" to "stable". No matter the status of the appraiser noted almost 1,5 years. This was associated with a bad situation and the expectation of a large volume of bad loans. Event of the day was the robbery of the bank's customer on the Old Arbat. The victim of four of the attackers were a visitor of a credit institution with a security guard who was taken away pistol IZH-71 "and 10 million rubles. Yet to find criminals in hot pursuit failed. Tuesday. Russians have become increasingly complaining about the banks. During the first half of 2010 in the federal service Rospotrebnadzor received in 3,6 times more hits than the same period last year, while the number of written complaints has increased by 2 times. This led to a significant increase in unscheduled inspections. By early last month, they already have been 276, while for the full year 2009, banks have only been tested 252 times. As a result, administrative charges were brought 299 bankers. President of the Association of Russian Banks, Garegin Tosunyan frightened for a second wave of the crisis. On the eve of XI All-Russian Banking Forum banker, published in the press a letter, which told of the difficulties in the banking system. In particular, Tosunyan notes that the role of banks in the Russian economy is quite modest: most of the credit institutions funded by their owners or the budget, and loans issued by banks are able to update the fixed assets in the best case by 10%. Completed treatment for fear that 30-70% of restructured loans could be problematic, leading to "ordinary destabilize the financial system." Ministry of Finance has come up with a new type of deposit under the name "savings certificate". Its peculiarity is that a bank customer can cancel your contribution only on the expiry of its term. This will be a deterrent mechanism for the reliability of banks that are protected from loss of liquidity in the mass closure of the deposits. Savings certificates will appear in the case of adoption of amendments to the Civil Code, which have already been developed in the walls of the Ministry of Finance. Environment. PE Week has become the main explosion, which occurred in the department of Sberbank in Moscow region Podolsk. Because of a faulty fire-fighting system of the bank employee was killed, injuring 13 people who were in the hall. According to this criminal case. Department of Economic Security Ministry of the Interior distributed information about the disclosure of a criminal group that organized the illegal cashing a monthly 2 billion rubles. In the community consisted of representatives "Tempbanka" and the bank's "Empire." In the course of investigations established that the monthly bankers cashed more than 2 billion rubles. For this service they receive 12-17% of public institutions and 9.3% from businesses. The offices of these banks and places of residence of defendants had been 14 searches - seized financial records, more than 120 stamps legal entities and passwords for the accounts of the electronic system "Bank-client". Seen from the car of one of the suspects were seized $ 100 thousand for fixing traces of the crime were arrested accounts 7 organizations, which lies more than 21 million rubles. Thursday. Inflation "eats" the accumulation of deposits. Ministry of Economic Development announced the adjusted forecast of inflation in 2010 - he was raised from 6-7% to 7-7,5%. Given that the average rate in rubles is equal to 7.07%, 3.48% in dollars and euros, 2.24% per annum - deposit placement became unprofitable because it does not cover inflation. Nevertheless, bank.ru found several banks, yet are able to save money from rising prices. Among those lending institutions were: "Rosenergobank" - 10,4%, Smolensky Bank - 11,5%, "RenessansKredit" - 10,35%, "Orient Express Bank - 9.3% Bank" Soviet "- 10%, Tinkoff. Credit Systems - 12%, "Bean Bank - 9.8% per annum. Federal Antimonopoly Service across the country began to reveal collusion to raise prices for the products of farmers and bakeries. According to the Federal State Statistics Service, with 17 to 23 August Buckwheat added to the price of 8,6% (YTD growth of 60%), wheat 2.3% and 3.3% meal (total increase of flour production for 7,5 months of the year increased 40%). Rising prices for dairy products - butter, cheese, sour cream and milk - was 1,2-1,9%. According to the results of inspections antimonopolschikov filed dozens of cases, threatening violators with fines, imprisonment and disqualification. Friday. Experts from the bank «Societe Generale» predict an increase rate of the ruble against the currency basket, located in the corridor 34,5-34,6 rub. Analysts believe the company that a year from the basket may fall in price up to 32 rubles. Agree with them, and experts from other banks. However, among the threats to the growth of the ruble is a drop in oil prices and the fall-winter demand for foreign currency. The number of lawsuits to "Mezhprombank. This time its 328 million rubles. requires Mosenergosbyt. The requested amount is the second largest after the claims of Severstal, totaling 4.1 billion rubles. Bank of the summer is in dire straits and has long risked a loss of license. And finally, the good news: The Deposit Insurance Agency is predicting an increase in the number of bank failures in the near future. Over the past year the number of bankrupt banks decreased by four times. Insurance payments totaled only 450 million rubles. Whereas earlier the amount was at 15.5 billion rubles. Due to the favorable economic environment is likely to be decided on the abolition of January 1, 2011 the moratorium on bank failure criteria of profitability.
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