"Russlavbank": reviews abathengi yebhanki

"Russlavbank" ingxelo anayo kwiimeko ezininzi ezintle, njengoko iziko zemali kwimbali zobukho ebesoloko uzalisekise izibophelelo zalo. Waqalisa ukubonelela ngeenkonzo zemali kwi kwinqanaba yobungcali ngo-1990. Namhlanje ibhetri izibandakanye kuphela zemali, kodwa umsebenzi lobulungu unalo womnatha olubanzi ngokufanelekileyo ezazivela. Abathengi lonke Russia bayayivuyela inkonzo ekumgangatho ophezulu kwaye uzive ukhululekile. I-Bank aza ukusebenza kunye nokwandisa imisebenzi yayo, inikeza uluhlu olubanzi ezingqamene ngeenkonzo ezahlukeneyo.

abalasela

"Russlavbank", ncomo apho ukutsala ingqalelo, abe abalasela. Iziko zemali uye iingcali intle yentsimi yabo bekulungele ukunika zonke yabathengi kunye noncedo kunye neengcebiso zobungcali. On yonke imiba enxulumene iinkonzo lwamatyala zebhanki, abantu bafumane iimpendulo ezanelisayo. Amazwi ombulelo malunga nabasebenzi ngokuphindaphindiweyo endikuvileyo emlonyeni abathengi kwaneliswa. iziko Financial uya kunikela ingqalelo enkulu sa. Inkxaso-mali inikezelwa ezinophahla, ezintandane. Izabelo I yebhanki (92%) ezi impahla Abdulkerimov Abdulzhelil Makhmudovich, nto leyo iqukiwe kuluhlu kubananisi azizityebi eli lizwe. Ngowe-1999, "Russlavbank", ncomo apho kukho kwakhona negative, liphuhlise inkqubo IINKCUKACHA transfers imali, nto leyo ethatha ngoku indawo senkokeli kwimarike zemali Russian. Amukele kumazwe angabamelwane, oko wafumana iwonga eziphawulekayo ekuhlaleni. Ngokwe ngxelo yonyaka yakutshanje, impahla iziko-mali ifikelele kwi 34.050.642 engange, imali eyinkunzi wayelingana 5.212.776 engange, ipotifoliyo yamatyala yaba ku 645,3 lamawaka engange, kwaye umthamo iidiphozithi - 9.736.085 engange.

izinga eliphezulu

"Russlavbank", ncomo zako kaninzi omhle ngaphezu ezimbi, yenye nxaxheba ezindala kwiimalike zemali zasekhaya. Eyona obungcali iphambili yeziko - libonelela ngeenkonzo kubantu, zombini abahlali kunye non-abahlali, amashishini kunye nabameli amashishini amancinane kunye naphakathi. Imisebenzi ye ibhetri wenziwe ngokungqinelana ne-mvume jikelele Bank of Russia Aprili 28, 2012. Ekuqaleni kuka-2015, ubume ibhanki sele iquka amasebe 6 kunye nee-ofisi 111 kwizixeko 76, i-ofisi esingundoqo, 45 abaxhasi zasekhaya. Oku 34 ofisi ezongezelelweyo, ityala kunye nemali 7 iziko, 4 ofisi imali-ofisi ezintathu ezisebenza.

credit rating Ibhanki ngayo "B ++". Credit zokukala 'BBB +' kunye nesimo sengqondo esihle. Lo mlinganiselo amandla zemali "E +" kunye nokurhafiswa iidiphozithi e engange kunye lwemali amazwe bahambelana "B3" didi. Kuqikelelo lwemozulu ukusuka Abatyali Service arhente rating ngamazwe Moody likaThixo lihlala positive. Uqikelelo esemthethweni ye-Central Bank wathi ibhanki kuthembekile. Kubalulekile ukuba ukongeza ukuba nangona lobunzima, elo ziko lwemali abanazo nobunzima ekuhlangabezaneni nezibophelelo zawo. Ngowe-2014-2015, apho amaziko amaninzi zemali abasekho ukuhlawula iidiphozithi waqalisa isicelo ekukhutshweni kwemali kwi-Central Bank of the Russian Federation: "Russlavbank" ingxelo umthengi kuyo ngenxa le nyaniso ezihle kakhulu, hayi kuphela usaqhubeka ukwamkela iidipozithi, kodwa uhlawula rhoqo kuzo umdla, kwaye ekupheleni kwekota contract returns kubatyali-mali zazo. Ngaphezu koko, eli ziko zemali ulilungu le-inshorensi idipozithi.

Abathengi anelisekile uluhlu olubanzi lweenkonzo

Okwangoku, eli ziko zemali inika abathengi zayo isixa esikhulu kweenkonzo. Phakathi iziphakamiso ziyafumaneka njengoko imveliso standard zasekhaya, kwakunye kuthathwa ekusebenzeni ngamazwe. Kufuneka enokuthethwa obolekisayo ngemiyinge corporate. Abantu angenza isicelo semali-mboleko ye-600 lamawaka engange ngeyure nganye kangangeminyaka ukuya ku-5. Ngokutsho abathengi kufuna sethi isezantsi yamaxwebhu, kwaye ubukho guarantors ayisosinyanzelo.

Ukugxininisa ivame kakhulu kwi scheme kakhulu lula wentsebenziswano. I-Bank yamkela iidiphozithi sinika ithuba lokuba ukulawula ii-akhawunti zabo ukude. Ngoncedo lwe Qhagamshelana uyakwazi ozakuphunyezwa ngokuzimeleyo transfers imali nokwenza iintlawulo. Ukungabikho iiyure esetyhwini emehlweni abaninzi. imisebenzi elinguvimba Vula kunye nemisebenzi ezahlukeneyo kunye amakhadi ebhanki. Wenziwe isiqinisekiso kunye iintengiselwano obubhaliweyo. Phakathi isindululo engaqhelekanga kubalulekile ukuphawula zokundwendwela izivumelwano kwinkonzo yobungcali ukwenzela amazwe okanye import. Umgangatho wenkonzo nok bobabini abantu ngokusemthethweni, kodwa iibhanki basekhaya ngezemvelo amazwe, nto leyo angaphezu kwama-600 The voluminous Inani abathengi kunye namaqabane hayi kuphela eRashiya, kodwa phesheya, iqinisekisa ukuchana ingxelo eyakhayo, udluliselo nabo kwezentengiso kwikholam icandelo iingcebiso. ingxelo entle kudla ukuthetha malunga inkqubo ibenomtsalane kakhulu yokuba ekufuneni imali mboleko.

iphulo elinika umdla kakhulu bamakhadi

JSCB "Russlavbank 'ukuba ukuhlolwa ayehla ukusebenzisana, unika kuphela iicredit cards, kodwa inkonzo zabo. Okwangoku, phantsi kweprogram ye-Bank iintlobo ezintathu kwemveliso:

• Card ezingenayo.
• Iingeniso ikhadi GOLD.
• credit card.

Eyona enomtsalane abathengi kwiziko lemali bacinga ukuba ikhadi inzuzo. "Russlavbank", izimvo zazo entle ngokunxulumene le mveliso inikeza inkqubo depositary ekhethekileyo kubanini bayo. Xa imali yakho eseleyo kwi-akhawunti, kungakhathaliseki ukuba inani labo, zibalwa ngokwepesenti ka-15%. Jonga le mephu ilula kakhulu kulo naliphi na isebe ebhankini. Issue lwenziwa kwangaloo mini. Ikhadi ifakwe chip ebonelela iintlawulo zokhuseleko epheleleyo. kwakholeka kamnandi kunye nobukho 3D-Secure technology abaninzi. abanikazi ncomo imveliso Nice weva ngento watsala imali, kungekuphela eRashiya kodwa phesheya. Abantu bayothuka yokuba kwiKomishoni imicimbi non-cash aziboniswanga kususwa koovimba. Abanini Ikhadi bayathetha Ukongeza ezimnandi, zinokubanceda i-20% isaphulelo kwi inkqubo «MasterCard ziThandwyo". Ngokwahlukileyo xa kufuneka ikhadi lamatyala kunye umda elingahlaziywayo engange ukuya ku-500 000. Preferential ixesha free ziintsuku 57. Sebenzisa imveliso elula kakhulu. Savings kwafezekiswa yonyaka ezamahala credit nkonzo.

Instant ikhadi zokukhwelisa: Bank uyaqonda ukuba ixesha - yimali

Bank "Russlavbank", ncomo lwazo enqabile kunye ngumthunzi ezimbi, usoloko mayahlulwe kwisiqalo azinakuze zawo akhawunti inkonzo ekhawulezayo kunye nobungcali. Abaxhasi zange wavakalisa izikhalazo malunga nokungabikho ithuba ukurhoxisa imali an ATM okanye nizalise akhawunti yekhadi. Yonke imisebenzi yenziwa ngokukhawuleza kangangoko kunokwenzeka, kungekho kulibaziseka, ukubambezeleka kunye kuwa. Abantu akazange akhalaze malunga ukungaphumeleli izicwangciso ngenxa yokuba i ntlawulo inkqubo elide. Isizathu sokuba ulawulo ishishini elifana zobungcali yaqala ngo-2014 precession kwiziko lakhe, nto leyo ngokulula nophethe uluhlu olupheleleyo ezikhutshwayo kunye nemisebenzi raschetai.

amakhadi Service of MVUME LOKUNDWENDWELA LEXESHANA kunye MasterCard, kuquka chip kunye ohlawulelwa, yenziwa ngempumelelo enkulu. Okwangoku, iziko processing uyakwazi ukwenza 50 imisebenzi ngomzuzu. Emva kokuqhagamshelana iziko processing ekupheleni kukaJuni ukuya inkqubo LFS, abaxhasi bakwazi ukufikelela kwi-ATM 28 amawaka. Ngokutsho bamakhadi ukusebenzisa them - ubumnandi. ngoku ukurhoxisa imali yokuhlawula amatyala angaba kuyo nayiphi na indawo ye eyinkunzi. card wesabelo "reviews Russlavbank 'ukuba ngoko babesoloko eyakhayo, kwixa elizayo uya kuba zithandwa ngakumbi. Oku kubangelwa yinto yokuba iziko zemali aliyeki ukuthethana kunye neebhanki-amahlakani kumanyaniso kungena kwiinkqubo intlawulo ngamazwe. Umsebenzi ijolise ekunikeni inkonzo ekumgangatho ophezulu kunye nokuncitshiswa iindleko.

Yintoni abagcinisa kwiidipozithi?

"Russlavbank" idipozithi inikela zahlukahlukene kakhulu. Umgca imveliso lula ukuba ubuninzi. Abathengi Akunyanzelekanga ukuba banyamezele ukhetho olunzima phakathi inzala aphezulu kunye neemeko okungephi ubambiswano. Namhlanje, izindululo ezintathu ziyafumaneka ukuba bakhethe:

• I- "Golden Mill". ipesenti deposit ungaba kuze 15.5%. Ingeniso enkulu khona imali engange ibonelelwa. Ukutshiswa umdla unganikezelwanga.
• Le nkqubo 'Zonke nezimbi. " Imali ingakhutshwa ngenxa 12,35%. Idiphozithi currency kunokuba zombini kazwelonke euro okanye eerandi. Ubonelela capitalisation umdla. Uvumela izibonelelo ukususwa kunye nokusetyenziswa buso ngaphandle kokulahleka nenzala.
• Le nkqubo 'Supervklad "khona imali euro okanye eerandi.

abathengi Bank, kuhlolwe izindululo zemali ekhoyo ngokorhwebo, uyavumelana nesibakala sokuba "iidipozithi Russlavbank 'yamanye amazwe kunye engange unika ngokwemigaqo kuFeliks. Ethelekiswa iimveliso eziye igama le inzuzo kwaye banyusa nje kwiminyaka embalwa edlulileyo, "Russlavbank" (dipozithi ezizodwa), iintsingiselo zingafanelekanga nenzuzo nto lula. Noko ke, le parameter kubalulekile ngamaxesha obunzima. Ngokunxulumene imilinganiselo kunye ngokutsha iingxilimbela ezinjalo kurhwebo lwasekhaya, njengoko i "inyathelo Financial" kunye "Finance and Credit", abatyali baqalisa inxaxheba ukuthatha imali yabo, ajike iliso ekulahlekeni umdla. Yintoni Bothuka, xa ibhanki ibhujiswe ukuhlawula amatyala. Uninzi umdla kukuba sisixa esikhulu kwemali ekupheleni 2014 nasekuqaleni 2015 zange kunokubangela iingxaki kunye amatyala.

Kuwa ngo-2014

Ngo-2014 siye saqalisa ukuya kukhonza eluntwini kungekudala ezingasenza ibe ongenamali nodumo elizweni "Russlavbank". Ukurhoxiswa kwelayisenisi, eyayijonge amaziko amaninzi zemali kweli lizwe, yaye akukho ndawo bathi ngakumbi, ngale ndlela, lo imbambano nkqu ngazo. Eyona nto kukuba entwasahlobo ka-2014 i-Ofisi yoMphathiswa Interior ke uphando i "imisebenzi zebhanki mthethweni." Akafunanga kuphela kube "Russlavbank", ncomo apho abasebenzi bebesoloko olugqibeleleyo, kodwa umbutho ezifana "Finprombank", kunye arhente zokuhamba ethile. Ungumrhanelwa kwelo tyala Alexander Mironov, ngubani waba usekela-mongameli. Ngokutsho amagosa zokunyanzelisa umthetho, abantu abasixhenxe batyholwa zokurhoxa ngokungekho kwemali kunye nentlawulelo lwabo neenkampani zabucala yosuku olunye. Ingxelo yokuqala lubonisa ukuba nyanga nganye ngokusebenzisa izandla kudlule engange-2.5 billion. Isiphelo imali ezixabisa 3.5% yesixa baphathwa ethunyelwayo ne-0.3%. ingqalelo kakhulu ebhankini uye waphakamisa ezixhalabisa abatyali-mali. Enyanisweni kwenzeka "Russlavbank" (iidipozithi kuba emzimbeni. Abantu ke ngoku libonelela kakhulu lula) akukho ngokunxulumene iintshukumo yobuqhophololo waba. Ngakwicala yolawulo yebhanki kwabonelelwa zonke uncedo, kuquka onke amaxwebhu afunekayo sele enikiweyo. Ozibiza kwiziko-mali yi-Ministry of the Interior no. Le isimo esibi, kodwa banyanzelise uphawu ukusebenza neemfanelo kwiziko lemali kubathengi. Bank zombini esebenzayo kwaye lisebenza ngokuqhelekileyo.

ZOQHAGAMSHELWANO - ezintsha kubathengi

Njengoko kukhankanyiwe ngasentla, "Russlavbank" izigxeko-mboleko leyo HIV kuphela, ngo-1999 laqalisa kwinkonzo UQHAGAMSHELWANO. Le iteknoloji kuye kwenza abathengi kwiziko lemali ukuze transfers imali phakathi kwabantu. Isakhiwo isekelwe ubudlelwane kumnxulumanisi phakathi kweenxweme-kwamaqabane kule program. Translation lwenziwa yi isikimu lula ukuba ezikhankanywe ngokuphindaphindiweyo iimpendulo lwabathengi kwaneliswa. kufuneka Ukuvulwa akhawunti ezizodwa. Abasebenzisi ezingundoqo iinkonzo ziye zaba abasebenzi onyaka, abafundi, expats kunye nabakhenkethi abangenazo akhawunti ezivulwe eRashiya. Abantu kwafuneka lijongane imfuneko engxamisekileyo ukuthumela okanye ukufumana imali, saneliseke kakhulu kule nkqubo. Ngendlela uza ukwandisa uthungelwano kweebhanki incwadi. Kakade ukuza kuthi ga ngoku, le nkqubo ibandakanya amazwe 73. Le UQHAGAMSHELWANO bajamelene amaqabane kuphuma ubuncinane 900 iibhanki Russian ngamazwe. Nothungelwano olubanzi lweendlela abantu ababona ngayo nenkonzo yabathengi, nto leyo linamanqaku ezingaphezu kwama-400 000 kumazwe ayi-160 ehlabathini lonke, uchaza ingxelo eyakhayo malunga inkonzo kunye lula kokusebenzisa iinkonzo zayo. Le nkqubo yaba ophumeleleyo kudidi "amalungelo Consumer nomgangatho weenkonzo ngo-2014" yaye iphumelele indawo yokuqala ukhuphiswano "Brand № 1 eRashiya" kwixesha ukususela ku-2011 ukuya 2013.

lokongamela Small xa kusingethwe nenkqubo UQHAGAMSHELWANO

Njengayo nayiphi na inkqubo yekhompyutha, kwinkqubo QHA abasebenzisi bayo ukuba uzakusebenza eziliqela sikhala. Osele nefuthe elibi livakale ngayo igama elithi "Russlavbank" ebhankini, nto leyo ngokutsha-mboleko kunye needipozithi kwiimeko ezininzi ezintle. inzondo Umsebenzisi ngenxa kwinkqubo isisitheliso kulo nisaqala imisebenzi yayo. Kwathi ukuba uthumele imali yajika functional ngokupheleleyo kwaye non-zokusebenza xa yimfuneko. Ngophuhliso kunye nokuphuculwa iimpazamo kwinkqubo yentlawulo ziye zasuswa kwaye ukunganeliseki yaba ngaphantsi. Nangona kunjalo, kwimeko amatyala single ukuba kutsala ingqalelo. Ngoko ke, ngokutsho kwenye kubathengi ze ebhankini, xa uthumela ukudluliselwa eUnited States, asihanjiswanga kumamkeli. Emva kokuba ingxaki ukulibaziseka elide ayilungiseki ngexesha, yaye nemali kwafuneka ukuba zibuyiselwe umthumeli. Kodwa eyona nto inomdla kakhulu kukuba emva kokuba imali yonxibelelwano inkonzo ende yenziwa ngaphandle exesheni elimisiweyo. Endaweni kuthenjiswa kweentsuku ezintlanu, translation sesibuye kwiiveki ezimbalwa. Ngokutsho manani, 95% yexesha "Russlavbank" umthengi ingxelo positive, yaye oku kutshabalala ngaphandle elikhulu umthetho, kunokuba njalo. izimvo Okunye okuhle kuyilo isandi transfers, nto leyo ethatha ubuncinane ngexesha kwaye kulula kangangoko kunokwenzeka.

UPawulos: ukuba trust ibhanki Ufanele?

UPawulos, bejonge imeko kwicandelo logcino kweli lizwe, singatsho ukuba akukho iintsilelo ezibalulekileyo ebhankini "Russlavbank". Uphengululo (Banks. Ru) bamfumana ezimbi nezilungileyo. Enkosi kunye esiphulaphulwayo ngaphezulu kakhulu ngumsindo. Unako ukuhlangabezana inkcazelo iimeko ezimbi zabiwa ezwayo inkxaso kubathengi. akhuphe isigqibo kungenzeka imisiwe, kodwa umphumo akatshintshi. Abacebisi ezimnandi kunye nabaphathi zihlala phezu ifowuni ukuphendula yonke imibuzo, zama ukunceda abathengi zonke iindlela ezikhoyo. Phezu kwazo nje iingxaki beebhanki zasekhaya, ezinxulumene amatyala, "Russlavbank" iyaqhubeka ukusebenza ngamandla kwaye aphuhle. Iminikelo ihlawulwa, izikhalazo ezivela abagcinisa musa. Ngokuchasene yangasemva imeko ilahleko iyonke nga kubizwa ngokuba inzuzo enkulu. Inye kuphela kufuneka sinikele ingqalelo - oku ekusihlaseleni format umyalezo SMS. Kukho inani elikhulu lezikhalazo kulo mba. Ngokutsho abaxhasi ibhanki wathi, emnxebeni kufumana isaziso malunga ukuvunywa mboleko kucelwa ukuba uqhagamshelane ne-ofisi uwalungise mboleko rhoqo. Xa abantu drop yonke, weza e-ofisini, kodwa yaliwe. Le meko iyaphindwa ixesha elide. Izicelo ukucima inani ukusuka SMS-imeyili akujongwa, le ngxaki ayilungiseki tsalela. abathengi Bank kwakhona alumkise ukuba kufuneka ufundisise imvumelwano kolu didi mboleko. Inzala phezu kwabo akusoloko kuluncedo. Ukuqaphela, unako ukuthintela ukubethabethana kwixesha elizayo. Ukuba isiphoso iyapheliswa, intsebenziswano kunye kwiziko lemali ndikunikela abathengi kuphela ubumnandi.