What do bankers and other market participants on the hottest events of the economy that occurred in a week? On the lending market and the refinancing rate of Central Bank chairman Sergei Ignatiev said that in 2011, credit growth will be around 20% and refinancing can be enhanced. Renat Kamaletdinov, Head of Treasury Bank "Express-credit": expects 20% growth in lending could not be achieved due to slowing economic growth in the country and the world, as well as a significant amount of bad loans on banks' books. We expect that the growth of banks' loan portfolios will not exceed 10-12%%. As for refinancing, then against the backdrop of accelerating inflation, the Central Bank, most likely it will be really improved, with 25 pp. The large increase would be difficult to go. On the unification of the ATM network In order to increase its influence on the market, some banks have started to combine the ATM network. Recently on this solution have Alfa-Bank and VTB 24. After the project clients of these banks will be able to withdraw money in an interest-free 7 thousand ATMs country. Leonid Morozov, Deputy Chairman of the Board of Finance Bank AB: I think that the association network is certainly a good initiative. Obviously, since many banks will go, because to develop its own network of machines is difficult. True, the question remains open ticket in such a program. It is not clear how much to pay the bank, which has a small network of devices, so that he wanted to take advantage of such an association. About the charity American billionaire Mark Zuckerberg agreed to give up much of their capital for charity. Facebook founder has joined the ranks of other rich men signed the oath of Giving »(The Giving Pledge). Renat Kamaletdinov, Head of Treasury Bank "Express-credit": In the West, the campaign so far seems more like the advertising ideas of universal brotherhood and equality. True, we have and worse. It is unlikely that domestic oligarchs would willingly parted with their capital. And in general, Russia is too long remained a country impoverished and unfree people. On housing affordability International Company «Evans» conducted a study to identify the ratio of housing costs in different countries and the dates on which it can buy ordinary citizens. It turned out that Russia occupies in the ranking in fifth place. According to experts, in our own country can buy an apartment only after 26.1 was savings. However, it is estimated Ministry of Regional Development, ordinary family with average income can accumulate on the flat economy-class residential area of ??54 square meters. for 4,9, the Helen Tartynskaya, a leading specialist of lending to individuals "Rosavtobanka: Such studies are certainly interesting, but often they are purely informative nature and is weakly correlated with reality. For example, in many countries there is a term "housing affordability index" (KJ), and every Russian is able to independently calculate "affordable" whether to a new apartment. To do this, the average cost of 1 sq. m. housing in the city is multiplied by 18 (social norm in accordance with the law), then - is multiplied by the number of family members divided by the total average monthly income, then divide by 12 (number of months per year). It is this method of calculation provided for in the federal targeted program "Housing". Based on this and the question arises: how the study can not consider the costs to life, the difference in income and housing costs in different regions, sectoral differentiation of wages, mortgages, etc. Unfortunately, the overwhelming majority of Russians buying a home remains an elusive dream. Of course, mortgage programs and a gradual easing of conditions on them partly solve this issue, but more close to reality is seen still figure in 26 years than in 4,9 years. On the monopolization of words banks have adopted to consolidate the right to use common words. By a similar method already prebegnul "Orient Express", registered in Rospatent word "Christmas", "New" and "vacation." Exclusive rights to the phrase "Map Your Desires" is a "Savings Bank" now "PSB" plans to retain the word "vintage." Stanislaus Sushko, director of legal services UNIASTRUM Bank: I think the copyright is already moving away from its original idea and becomes more and more in some absurd. Protection of new ideas in this case and did not speak, there is just another form of speculation on the prohibition of the use of words by others. True, in this case does not apply to Sberbank. Elena Soin, head of advertising and marketing projects, "PSB": Register Bank designations as trademarks, is due to the desire to protect the interests of the bank from encroachment, as well as all sorts of claims from other organizations and third parties. It should be noted that the banking practice, this did not happen again, so the case of registration of names of bank products in the recent increase. As for the "non" words, they are often used in marketing campaigns, as the name of the bank product should cause a consumer's mind certain associations. Better is just this function of the word with an abstract value. For example, the word "Vintage" is intended to remind the client about the traditions, history, reliability, relevance of the proposed "PSB" product. That is why we decided to give an appropriate name products targeted at the VIP-clients. Alexey Kruglov, marketing director of Barclays Bank: "The map of your desires" - an example of combinations that can form the basis of positioning of an entire product line. Protect it was absolutely logical. However, it is not clear what the business goal pursued banks, recorded when the usual word.
No comments:
Post a Comment