Ukuphonononga ye-Savings Bank: kutheni abantu abaninzi kangaka ezimbi?

Savings Bank - omnye wemibutho ezinkulu zemali eRashiya. Nothungelwano olubanzi amasebe, leyo angaphezu kwama-20,000, ibiya kubonakala, kufuneka udale ukuba abathengi lula ubuninzi ukugcina. Noko ke, uhlaziyo i-Savings Bank ukuya koko. Ipesenti yolwabiwo akhawunti ingxelo entle 14% yamanqaku ewonke, ngokulandelelana, ingxelo engentle yenza i-86%.

Savings kumanani

Ngokutsho ngokubanzi iibhanki rated eRashiya, ngokususela kwidatha ezisemthethweni Russian Central Bank, ngokwemiqathango umsebenzi yemali Savings Bank uhamba phambili. Ngo April 1, 2013 yempahla yayo yaba th 13,480,179,974. Engange. Lo mbutho, emi kwindawo yesibini, kuba ilifa asethi kwi-mali ka-4.312.628.588 amawaka. Engange. Yokwahlukana ezinye nxaxheba kwicandelo logcino omkhulu.

Kwenye uluhlu lombutho efanayo, oluvavanya ukusebenza kwamaziko zemali kunye ngetyala kwi-mboleko, Sberbank nayo uhamba phambili. mboleko Outstanding kwabantu ngu 56.808.346 amawaka. Thambisani., Bonke ezikhutshwe ngaphambili ngo-2012 kwi-mali ka-2.550.799.323 amawaka. engange.

Ngokwenza njalo, abaxhasi ibhanki yakhe, ezichaza umsebenzi ootitshala kunye nomgangatho weenkonzo ezinikwayo, baye bashiya ncomo enjalo Savings Bank, leyo bazifinyeza iziko yemali simo kazwelonke we-30 endaweni th kunye ngamanqaku angumndilili 1,77. Umgca wokuqala yibhanki kunye nomgangatho umyinge Isalathisi wenkonzo 4.72.

Sberbank ncomo online malunga

ngomsebenzi wenkampani yacazululwa ngokweempawu ezintathu: iziqinisekiso zabasebenzi, iinkonzo ezinikiweyo kunye nolondolozo. Inxalenye enkulu - ukuba iirivyu engakhiyo Savings Bank, ezinxulumene ngabasebenzi kunye nenkxaso yobuchule ukuze abasebenzisi-ATM kunye neenkqubo zebhanki ngekhompyutha. amasebe Savings Bank uninzi lwabo kakhulu ezi umgcelele odumileyo elide, ubuso buhlungu abathengi kunye nabasebenzi udiniwe. Enye ingxaki nantsi - ukuba intlangano yabasebenzi aphantsi, ukunqongophala kwabasebenzi kwaye ngenxa yoko, imingcelele emide iTire omabini amacala: abasebenzi yibhanki kunye nabaxumi balo.

Izimvo Sberbank inkxalabo kunye ukungasebenzi le software. ulawulo Ibhanki xa uzama ukusombulula iingxaki ezinxulumene. Ngo-2011 inkampani wafumana inani abancedisi IBM kunye software evela Cracle, ngoyena inkqubo yolawulo database ngalo mzuzu. Esichithwe kule mali yaba 26.8 bhiliyoni. Engange ngo-2011 kwaye ngaphezu kwama-$ 31. Engange ngo-2012 Kuyinto inkcitho inkulu kwi IT-ubugcisa phakathi kwiibhanki Russian. Kodwa ke phezu kwalo, kuphela 2012 8 ukuphazamiseka ezinkulu. Nangona Cracle kuvavanya izixhobo yawo Savings Bank, kuba akhawunti zabo, oku kuchaphazela abagcinisa ibhanki yakhe.

Ngelo xesha sisasebenza Bulelani kwiimveliso yayo nenzuzo ngetyala, ezifana "mboleko Car" kwaye isikhundla phambili phezu phambi kwempahla, iintengiselwano kunye umbutho capital turnover "Mortgage Savings Bank". Ukuphononongwa, ezinxulumene nale iingongoma, ezakhayo asisininzi enkulu. Le ngongoma kuphela apho uluntu ebhankini kuba akukho zikhalazo. Kuye nefuthe kumthamo lwezithuthi ezaziwayo-kakuhle uphawu phakathi kwabemi beli lizwe, kwaye rhoqo izabelo kunye neziqhulo phakathi abathengi.

Umntu owaziyo ukuba ingeniso eninzi ange bakhule Sberbank, ukuba ekugcineni kunye software, lihlengahlengiswe kwaye kuphuculwe umgangatho wenkonzo entsimini.