Wednesday, June 1, 2011

Banking Week: from ineffective measures to usury

All the fun of living banks and their clients in our review last week. Monday: The ban on leaving the country not much help to the banks. According to the metropolitan bailiffs, restricted to leave the citizens owed 15 billion rubles. (Annual growth of 25%), and paid only 423 million As a result, the victims were banking institutions, since 80% of this category of people owe on loans. As a rule, the restriction imposed on those who owed a few hundred rubles - the starting point is 500 rubles. Much restricted to leave the citizens have inadequate sources of income and can not afford to travel abroad. Secured debtors, fall into the "black list" of trying to hurry him off. Therefore, the case of blocking the passage of debtors at the customs at the airport are rare. Tuesday: Country generous at ATMs. Only in the last three months the number increased by 40%. Thus, according to statistics from the Central Bank, the number of vehicles is now running at 136.8 thousand units, whereas previously there were only 97.1 thousand And this is due to the fact that even on April 1 came into force a law that all non-bank payment terminals came under the influence banks. True, to the credit institution has a terminal under its wing, it was necessary to equip the check-out equipment (CCV) and be registered with the tax authorities. However, did it not all, the market grew by only 40%. The world embraced gold rush. Precious metal buying all market participants: the investment funds and private investors and banks directly. The last time such a zolotomaniya was in the 80th years. Then the cost of ounce broke the mark of $ 700, which now amounted to $ 2,3 thousand shares were popular then, and gold soon began to fall in price. Market reached its bottom in 1999, when commercial banks started to shut down for unnecessary storage, central banks massively rid of "gold" of assets, and the British Treasury announced the sale of half the gold reserves. Wednesday: Costin sing for those who buy the VTB. Prime Minister Vladimir Putin said at an investment forum "Russia is calling!" That the government is considering selling 24.5% stake in VTB. According to journalists, the management of the bank for a few months ago, visited a number of countries in North America, Europe and Asia with a proposal to buy 10% stake. Alleged that a credit institution interested in the Arab sheiks. Therefore, the forum was asked the head of bank Andrey Kostin: "As Dubai is your song?". He quickly found out and responded in a playful form: "Unfortunately, I have no songs of Dubai have not learned yet, but maybe necessary. If it will be necessary for the good of privatization, I am ready to sing any song. " Likely that the banker will not be difficult to perform any work because he had previously studied at the School of Music. A businessman robbed of $ 500 thousand a victim of attackers was an Orthodox businessman. After exiting the bank, where Michael Mendoza Blandon-exchange currencies, he was attacked by four offenders. Attackers fired from a traumatic gun. After this, snatched the victim's bag with $ 500 thousand and fled the scene on a gray car «Lancer», which had no numbers. According to preliminary data which accompanies the businessman a man was shot in the neck and leg. The incident occurred at the house 25 at the Little Tula street. To apprehend the assailants in Moscow, declared the plan "Interception". Michael Mendoza Blandon-known as a philanthropist and a fund manager "Encyclopedia of Seraphim." Thursday: "Savings Bank" will shorten the queue for 2012. The largest bank of Russia has launched a program code-named "Ocheredey.net. This project will help reduce the waiting time receiving bank officer at peak hours the load - up to 15 minutes, and at the usual time - up to 10 minutes. This task was set by the head of a credit institution, German Gref. Its execution leaves a lot of time: this figure should be achieved in 80% of urban bank branches only to the beginning of 2012. At the same time, this goal has been achieved by many other banks a few years ago. «Qiwi» bought a bank. Company «Qiwi Ltd» has acquired a 100% stake in the 1 st Processing Bank. The transaction took place a few days ago, its price is not reported. According to Interfax, the bank is located on the 521 place in terms of capital and 474 - in terms of assets. During the first half of 2010 its profit was 34 million rubles. Previously the owner of the terminal and the bank have implemented several projects. This is due to the fact that about 45% of the credit institution owned close to «Qiwi» parties. It is likely that bought the bank would provide another tool to increase business profitability buyer. Friday: "Postal Bank" to press major banks. Within six months the market may see a new player. Experts have called the "Postal Bank" main rival Sberbank. Back in late 2009, the Supervisory Board of Vnesheconombank decided to create on the basis of "Communication-bank" with the participation of "Mail of Russia" a new financial structure - the "Postal Bank". Now EBV seeking commercial bank partner, while the main contenders are the Nomos-Bank and Bank Russian Standard. Already in late October, the choice of partner will be discussed at the working group at the Supervisory Board of the bank, and by mid-November, the bank will submit proposals to the supervisory board itself. In Russia is back usury. So, if earlier under the "extortionate" rate could be obtained only small amounts of money, now and at all the opportunity to take even a mortgage. Credit for the amount of 500 thousand rubles. with a rate of 42-72% per annum secured by real estate available in a variety of companies, particularly in the Russian loan. In this case, the borrower does not require almost no paperwork. The only thing that will need to grant him, - a passport and an application for a loan. Registration of the transaction, usually takes 1-3 days. The most unusual event of the week: The American Bank robbed on their way to school. Crime occurred in the town of Grant Pass, Oregon. The woman went to school to pick up their children, but went to the bank, which robbed of $ 1300. The children were brought home, where police arrested a caring mother. Bank of the week - "MDM-Bank. Its management refused to pay bonuses to its employees until 2015. Back in the summer eight board members by a credit institution signed their contracts with fixed wage without additional incentives. It is assumed that the scheme of remuneration until the end of the year should go all the 10.3 thousand employees of the bank. Balance of exchange: the past week the dollar fell by 60 kopecks to 29.9 rubles. And the euro went up by 1 penny to 41.61 rubles.

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