All the fun of living banks and their clients in our review last week. Monday: In Peter robbed "Peter". The two intruders in masks entered the bank branch and threatened the subject, reminiscent of weapons, demanded that the two women operatsionistok give money. Criminals managed to get $ 3.8 thousand, 3.4 thousand euros and 257 thousand rubles. Employee of the bank did not have time to warn law enforcement authorities at the time of the attack - alarm at the bank did not work most of the previous week. Banks luring each other's customers. If financial institutions had refinanced a mortgage market, now the program has touched and consumer credit. Banks try to attract customers more favorable credit conditions. So, it is possible to increase the loan term, and relatively lower interest rate than the current contract. To date, the service offered by several players, among them: "VTB 24" and "Yuniastrumbank. In the near future to replenish their ranks are "AkBars" and "Home Loan". For example, those wishing to use on-lending "VTB 24", to confirm the debt will have to provide the extract on a credit account for the last six months. Under the terms of the bank, refinancing should only be denominated loans, a term which shall expire not less than 3 months after filing. Tuesday: The President has increased the size of premiums. Dmitry Medvedev signed a law providing for the change rates for the compulsory health insurance. Thus, since January 1, 2011 premiums will increase from 2,1 to 3,1%, and from 2012 - up 5.1%. But contributions to the territorial funds of obligatory medical insurance, by contrast, fell by 1%, and from 2012 - and may disappear altogether. Banks show, plus bold. Head of the Central Bank Sergey Ignatiev said that the banking sector of the economy this year will earn 500 billion rubles. Just a few months ago, the Central Bank was counting on at least a modest amount of 400 billion rubles. The current version of the return indicates the return of the banking business in the pre-crisis figures. The previous high was reached in 2007, the year of all banks in Russia managed to earn 508 billion rubles. However, net income will not all banks. In the first nine months of this year 197 banks in 1036 did not bring profit to their shareholders, and worked at a loss. And the end of 2009 there were nearly four times smaller: only 56 of 1108. Wednesday: "Alpha-bank" has created an ideological platform. One of the largest banks in the country appeared a site where anyone can leave a complaint or to share constructive idea. All suggestions and complaints can be placed on idea.alfabank.ru. Each message will be posted on the site and treated by specialists. Already a few days the server has received about 100 messages, and as the source, only 2 of them were negative. Perhaps this is due to the fact that, first of all, on a new site found loyal customers of the bank, signed on the news. Meanwhile, among the proposals most discussed were: the ability to pay for a package of services once a year rather than monthly, to simplify cash withdrawals up to a few buttons, issue smart cards, as well as pereprivyazka maps between the accounts of the Alfa-Click. Ombudsman complaints had stopped. Pavel Medvedev has not had time to join the powers of the Financial Ombudsman, as has already received dozens of letters from "disgruntled" customers of banks. Only a few weeks in the Ombudsman received 80 letters and 35 calls, 20 letters and do it in the State Duma. As it turned out, most people are dissatisfied with retail banks: "Home Loan" (30 letters) and "Russian Standard" (20 letters). Following are significantly behind the leaders on the number of complaints "Savings Bank", "Raiffeisenbank", "PSB". And this despite the fact that only two of all the listed banks have agreed to voluntary cooperation with the financial ombudsman. However, for most Pavel Medvedev is not a hindrance. He is ready to receive applications from people who are bank customers, who did not sign the corresponding agreement. According to Medvedev, a huge role in this regard will be playing a desire to move towards the bank. Thursday: Prime put pressure on operators. "Big three" mobile operators went to meet Vladimir Putin, agreed to reduce tariffs for roaming. While it is only the international roaming which will apply to the CIS countries and Baltic States, but regulators promised shortly a letter with a proposal on roaming will be sent to counterparts in Western Europe and North America. Thus, the cost of calls will become cheaper soon by 1,5-2 times, the service SMS - 3 times, and the mobile Internet - a factor of 2-4. As a result, if earlier incoming and outgoing calls cost 46 and 56 rubles. respectively, in a short time will cost 33 rubles per minute. Friday: "Savings Bank" will go to the people after 2016. Authorities want to partially or completely sold to private hands nine hundred businesses totaling $ 1.8 trillion rubles. Among others, the hammer and leave the shares of Sberbank. Currently the state owns 60.25% of voting shares. It is likely that by 2013 it will be sold no more than 10% of the securities of the bank. This is evidenced by Deputy Finance Minister Alexei Vyugin, who said that the government will retain a controlling stake in a credit institution until 2016. Then the possible sale of another package, which resulted in the state would lose control over the bank. Bankers go to sotsseti, but not yet understand why. At «Russian Internet Week» last session, devoted to the use of social media in the financial sector. Representative of the company «Grape» Michael Geysherik, believes that today's social networks are the "gold users, that is, the audience, where you can earn big money. He reviewed the number of registered members of banking groups in Russia and abroad. So, "Deutshe Bank» only 2,5 thousand participants, the «Credit Suisse» - less than 3 thousand, the «Bank of America» on Twitter 9 thousand people. Experts estimate that 8 out of 10 banks are not active on the network. The Russian virtual sphere of Sberbank exists an informal group on Facebook, where are 530 users online VTB fell less than 2 thousand persons concerned, "Alpha-bank" has attracted only 350 users. Furthest advanced Uralsib taking part in the game "Happy Farmer", which has 2 million Internet users. Michael Geysherik concluded: banks do not know why they need social networks, they go to maintain the image. Bank of the week - "Alfa-Bank. He launched a website of ideas in order to become better. Probably this step increase loyalty among customers and institutions over time will increase their number. Balance of exchange: the past week the dollar has risen in price by 37 kopecks to 30.49 rubles., While the euro gained weight 38 cents, reaching 42.53 rubles.
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