NPF Sberbank: hōʻike manaʻo. NPF Sberbank: ka puka waiwai

Hoomau -ʻAʻole wale i ka hoolei ana i ka RPF, akā, i ka nui helu o non-hui a papa hana pili holoʻokoʻa. Kekahi o ka loa kaulana - NPF makauliʻi Bank. He aha characterizes na hana o ka waiwai hoomau puu dala? He aha e olelo aku nei Customer nāʻana? He aha ka ke kulana o ka waihona kālā i loko o nā aliʻi kiʻekiʻe mai?

He aha mea he hoomau dala

Mua nana i ka ole-moku'āina hoomau ka waihona o ka makauliʻi Bank, ka mea e e pono ke lawe i kekahi mea uukuʻimi naʻauao waleʻana aku i nā kumu nui nō paha o kēia pukana. He aha ke ano o ka hui - ka NPF? Wahi uku hoomau dala - mea na i Kekahi Mau 'o kā lākou hana, a me ka manao ana o ke kula?

Ka mua SPCʻikeʻia i loko o nā 90s, akā, no ka lōʻihi manawa i i loaa ākea o ka makana. Ka mea, i kekahi koho no ka moku'āina hui - ka Russian hoomau dala, a lilo iho la ka loio i hope o ka like 'ole, i ho'āʻo o loko o ka USSR. Ka hanaia ana o kekahi dala i dictated, e like me ka poe akamai, i ka makemake o ka moku'āina, e emi i ka hikiāloa luhi. Pehea?

Ka nui, e hoike ana i ka bulk o ka hoomau ke kuleana, o ka moku'āina i kona poe kanaka, me ka nānā 'ana ma o ka i Kekahi Mau' o ka papa ka lawelawe mālama ola'ōnaehana i loko o ka Russian Hui, mea ku pono i ke kahua o ka hoʻolako 'hapa o ka hookaa ana. Ke kumu o kekahi hapa o ka hoʻokô ', kŘpa a liʻiliʻi - kona aupuni pili kēia lawe no.

Uku hoomau dala, ma ka hou, ma na hihia a pau, i ka pae kiʻekiʻe o ka mahele uku mea ku pono i ka maomeka o hoʻokomo kālā i loko o acee? Iuo oeiia o ka waiwai, komo i loko o ke kuai a me ka kuai o securities a me nā 'ano o nā pā kula kalepa hana. E like me ka rula, hoomau dala no keia mea kōkua 'me ka'ōnaehana poʻe, i mea ka ukana o keia ano keia ano o ke kālā papa kōnane.

Hoomau dala ke koe nō i ponoʻole hoomaluia ma ke kānāwai. Eia hou, nā ana hoʻohālike no ke komo ana i na hana o NPF ka manawa loa ikaika, a no ka mea, i ke kuai wale hiki ole haʻalele i ka poʻe, a i ka pilikia o ka panakalupa. ¶ A i loko o Rusia, aia nō he mau kakini nui NPF. Iwaena o lakou - na ole-moku'āina hoomau ka waihona o ka makauliʻi Bank. He aha nō ka i Kekahi Mau 'o kona hana? Pehea nui o ka hua o APF no ka makauliʻi Bank i ka 2013 a me ka manao i ka 2014?

Overview

E mākou hoʻopaʻa haʻawina i ka mau 'ike ma luna o ka mea i olelo ia puu dala. I ka mea hoʻoheheʻe kālā a NPF - Sberbank o Rusia, ka nui kālā kulanui i loko o ko kakou aina. Ka Foundation Ua hanaia i ka 1995, 3 makahiki ma hope o ka puke o ka manao paa o ka Peresidena o ka Russian Hui, a lilo iho la ia i ka mua loio i rula kālai'āina i ka poe o ka hana.

Ua hoomau dala ua komo i loko o ka pili aupuni o Oʻahu. E like me ka nui mākau keʻena ma lalo nei, pane lākiō NPF makauliʻi Bank - kekahi o ka mea kiekie loa i loko o ka laulā o ka hana o ka ole-moku'āina hoomau kālā. E like me kekahi o ka mea nui loa i ka hoʻolālā i e i ka AYEIE koho, o ka puu dala i kā mākou ike loea. Ma kekahi, i aponoia mau ia i nā hana e akamai o ka National Rating oihana, e like me ia i ka hoʻolālā i ka "Expert RA".

NPF makauliʻi Bank o ka Russian Hui pili ana i ka hui i e hoʻolaha i "hamama-hope dala." Kula e kaumaha ana i ka laulā o ka hoomau manaʻo a me kanaka pāʻoihana laina. Ma 'ana, ka hana berita e komo i loko o kanaka (i loko o ka muli o lapaʻau, a hoomakaukau i komo i loko o ka polokalamu o ke kākoʻo'-kaʻoihana kālā) a me ka loio i nāʻoihana. I ka manawa kūpono o ka makou manao aelike no ka kanaka olelo ma lalo i 'ohi ai i hoʻopilikino mea hoohuoi ia manao, kūpono kau ana hoʻohālike.

NPF helu kuhi henua makauliʻi Bank hiki ke loaʻa ma ka aneane kekahi māhele o Rusia. Ke hoomau dala - kekahi o ka loa kaulana i loko o ka Russian Hui, e na poe kona mau lālā ma ka'āina i loko o ke ākea huahelu. O ka papa kuhikuhi hana o SPF me ka mākaʻi ma na oihana o ka makua hui, e like me ma ka komo o ka 'Oihana pukapuka waiwai.

'ōnaehana 'ole

Higher hui o ka'ōnaehana 'ole - he Foundation Aha. Ma kona hua'ōlelo o ka maopopo kahi i KUMUMANAʻO NUI nīnūnē a me ka nohona ma hooponopono ana o ke kula hana. Dala Board ua hoi uluʻano o nā palapala normative, e like me ka hoomau me ke koe hooponopono ana i na manao, manao ka ka puka waiwai a me nā kālā hana.

Ma ka 'ole o ka hooponopono ana o NPF makauliʻi Bank mea i keia Hooia Komite. Ua Ua holo ma ka mana hoʻomalu ma luna o ka aneiai hana o ka hui. Hoonohoia e ka Papa o ka Foundation Komite. ¶ A i loko o ka 'ole o ka hui i ka Papa o Kahu. I kona mākaukau -ʻaha hui poʻe luna hoʻi no kaʻaeʻana i ke kānāwai. E like me kekahi hapa o ka Papa o ke Kahu i hiki mai plenipotentiaries dala nā mea mālama mai.

reorganization

I 'Apelila 2014, i ana aʻei ke dala, a loaa i ka houʻaha hui a me ka loio kūlana. Ano ka mea, ua kauoha aku kapaia "NPF makauliʻi". Prior i keia, o ka puu dala i ke kūlana o ka "ole-e pono ai hui o ka lawelawe mālama ola." A pau pono a me ke kuleana, o ka NPF, functioning i loko o ka? Aieao o ke kahiko palapala o ke aupuni, kekahi ua hoʻololiʻia i loko o ka hoʻolālā, i ka holo me he kumukuai poe.

Ke kumukuai o ka hoomana kapikala o ka makauliʻi Bank o NPF like me ka poʻe - 150 miliona rubles. Mahele waiwai ma ka mea hoʻoheheʻe kālā. Ia mea, o ka makauliʻi Bank o Rusia. Corporatization o ke dala, e like me ka poe akamai, aie i ka mea hou loio i koi. E like me ia ia lakou, mamua ia January 1, 2016 a pau SPC i kona hana e hana ana ma luna o ka holoʻokoʻa o OAXA hoomau lapaʻau, e e iho i loko o kumukuai poʻe. Inā ka SPC ua functioning, hoʻohuiʻia OPS a me ka paulele i ka hoʻomana ai, pono e hana i ke dala, a ua hana i ka hana ma ka ao ao o mua wale nō. I ka huli, hoomau dala, kona hope ua pili me ka ole-moku'āina ai, malalo ia o ka kumukuai poʻe mua January 1, 2019. Inā na dala mai e mālama i loko o ka mea kūpono 'ano me ka huli ana i loko o ka manawa palena i hoakaka ia ma ke kānāwai, ka mea e e eliminated.

regalia

NPF makauliʻi Bank - he hui ia i manawa e kiʻi i ka hailona o ka hana hoʻolilo 'ia' no kona hana ana. I poe hiki ke kaulana i loko o ka wahi mua?

I ka 2013, no ka mea hoike, o ka puu dala i ua hookoia ka 'ihiʻihi palapala puka ana o ka' Oihana "Expert RA" (ka kekahi e hana i ka lākiō i o kālā). Koho - "No ka mea ulu o ka waiwai hoomauʻaoʻao pale." I ka hookahi makahiki NPF makauliʻi Bank loaa kekahi ia nā kumu kāki. Ua kapaia "kālā waiwai o Rusia". Koho kani e like "keʻano o ka? Acaeoey."

I ka 2012, NPF makauliʻi Bank i i hookoia no hoi e "Expert RA". Akā, laila, ke koho kani okoa - "i ke kiʻekiʻe uku o ka ulu ana i loko o Customer kumu o SPC". I ka hookahi makahiki, SPC loaa ka ia nā kumu kāki "kālā Olympus 2011". AYEIE koho hoailona iho e like "kalepa kupaa". Kumu kāki no ka mea, he kūikawā waeʻano, i i kapaʻia i loko o "nāʻano a me ka hoʻokōʻana."

I ka 2011, i loaa i ka makauliʻi Bank NPF diplomas mai ka "Expert RA". Eia hoʻi, i loko o kekahi mau waeʻano. Ka mua - "ke kiʻekiʻe uku o ka ulu ana i loko o Customer kumu." Ka lua - "No ka holomua o ka pono."

I ka makahiki 2010, e like me ka mea e hoikeike maʻikepili mai kekahi helu o nā kumu, NPF makauliʻi Bank i ka wale hoʻolālā i loko o kona mahinaai, a i ka uwa o ka hoʻolilo ' "Company o ka Year". Koho hoailona iho e like "Waiwai". Eia hou, i ka mea ia makahiki o ka puu dala i loaa mai i ka "Waiwai 2010". AYEIE koho hoailona iho e like "No ka hihio hoʻolālā."

I ka 2009, NPF ua lilo no hoi lakou i ka wale hoʻolālā i loko o kona kula, i ka i hookoia ka "waiwai Olympus". Koho hoailona iho e like, "Management papa kōnane hoomau dala". I ka makahiki 2008, i ka Foundation loaa ka ia nā kumu kāki "ke Kauna Guryev" no kona makana nui i ke kūpono 'ana o ka pili hana. I ka 2007, NPF i ua hookoia ka "waiwai Olympus". Koho hoailona iho e like, "Management papa kōnane hoomau dala".

mea hoʻohana manaʻo

Ua pono, regalia NPF Sberbank nui iho la ia. Akā, pehea e correlate Customer manaʻo? He aha ke ano ua Kīwala'ō e haʻaleleʻia e ia i loko o ka hana online, portals hōʻike manaʻo? NPF makauliʻi Bank - he ike loea, ma muli o ka Customer manaʻo, ke 'ole? An kekahi henua nīnau. Akā, ke ho'āʻo e haawi alakaʻi hiki olelo.

Inā mākou e lawe i ke kumu no ka loiloi 'ana o NPF makauliʻi Bank Customer hōʻike manaʻo ma ka 2014 a me ka mua makahiki, i nā pūʻulu elua o ka manaʻo ke hookoaiaʻi lakou. Ka mua - He'ākilikai-io. Lua - maikaʻi. Pili ana i ka mea mua. People i holoʻokoʻa i hele mai ma ka loaʻa nui a me ka pono o ka hana pono, a ua hana e Sberbank. 'Oe ke hele aku i kekahi lālā o ka lakou mau puu kālā kula a me ka noi aku i kekahi mau ninau e pili ana i ka hana o NPF, hoʻoponopono i ka pukaʻana ka manaʻo pohihihi. Eia naʻe, e like me ka hoʻomaopopo ma kekahi nā mea kūʻai mai, i ka nui o ke kuleana o ka hoʻomalu o kekahi mau lala i e pono e no ia aole i hiki maopopo e hoʻomōhala ana iʻano papa hana o ka AaOIeIOUIeXAOAaIN o ke dala, a no ka hookupaa aku i kona 'ole mea e mau loa ana me kiʻekiʻe. A ia mea - kekahi io, i Hōʻike 'pane. NPF makauliʻi Bank i ka ia manawa hoonani aku no ka manufacturability (hope, e wehe mākou i kēia nuance). 'Ōlelo Aʻo i ka kiʻekiʻe ma Hawaiʻi o ka hōʻike' ana no. No ka laʻana, ma ka pau ana o ka makahiki nā mea kūʻai mai mau hele palapala au mamuli Hōʻike 'mea NPF Sberbank hua no i kekahi manawa. Kēiaʻano o ka manaʻo hiki e hoʻolaha like unequivocally maikaʻi. Nō hoʻi i loko o kēia waeʻano loaʻa nā manaʻo e noonoo i ke kiʻekiʻe ma Hawaiʻi o nā konohiki, Consulting, makou manao me na makaainana o ka hoomau hana like. Oiai, e like me ka hoʻomaopopoʻia e kekahi poe akamai, ka mea hiki ole ke pili pololei me nā limahana kulekele o ke makauliʻi Bank.

About lehulehu manao e pili ana i ka ha awina o ka puu dala hiki ke olelo ole wale hōʻike manaʻo Client. NPF makauliʻi Bank mea i loaʻa i loko o ka helu o ka ai-kapaia "People ka pane lākiō," i houluuluia ma kekahi hana portals. Ma keia hihia, e like me ka rula, o ka mea e like ai o ka hana ua oaeuiinoe. I Kekahi Mau dala kulana i ka ia manawa loa lauwili i loko o kekahi wale nō o ka lākiō i.

uila waihona

I mea, i kēia manawa ma luna o ka lākiō hōʻikeʻana i kaʻikena aeuiiai ieaia?. Ma luna o mākou iʻike i ka hana o NPF Sberbank lawa technologized - a ka mea ua kaulana mua o nā mea a pau nā mea kūʻai mai. ʻano nui ka mea, ke hele mai i ka online, kaha o ka AaOIeIOUIeXAOAaIN a me ka puu dala nā kānaka hoʻopukapuka kālā. Ua kēlā Client NPF makauliʻi "Kaʻu moʻokāki", i hiki ke lolouila ma ka polokalamu kele pūnaewele. Eia hou, e pili no ka helu i loko o ka'ōnaehana NPF hou nā mea mālama mai e hiki Via ka punaewele o ka hui kekahi. Nui ia e scan Hawaii photo, palapala holo'āina'ē, SNILS, a laila, Uploaded ia Via Pau online palapala. E like me kekahi poe akamai, ke kālā no nā 'ike loea, a i i loko iho i loko o ka NPF makauliʻi Bank ( "kaʻu moʻokāki" i loko o ka wahi mua), e ho'ōla lilo i ka hana maʻamau a e e' Imi komo pū i loko o nā kālā.

ka puka waiwai

Ano, o ka mea maoli makahiki. Pehea e pono e haawi aku i ka hoomau ma lalo o ka hooponopono ana o NPF makauliʻi Bank? 2014 hai mua ia mai ia e waiwai ma ka kumu o ka-yeiiiie?

Mua o nā mea a pau, mākaukau'ōlelo - na pomaikai o ka alu like 'ana me ka' ole-moku'āina hoomau dala pili kēia hilinaʻi nui ma luna o ka i Kekahi Mau 'o na aelike manao ma waena o lakou, a me na makaainana. Ka loa waiwai aelike ike i ka pela-kapaia kanaka manao. Ka mea i ka mea, i hakuloli i ka maoli no Rusia nuance - ka uku "ma envelopes". Eia hou, i kēiaʻano o ka aelike i maikai kanaka me ka uku ma ka oi o ka 47 tausani rubles (e like me ka mea i - ka hope loa kumu no ka i ka ho omaulia o ka hoomau nā haʻawina) ..

Ano, i ka i Kekahi Mau '. He aha nō i ka holo 'awelika o ka hoʻi NPF makauliʻi Bank no ka makahiki 2013? Huahelu hookuu ae ma ka hoʻolālā, - 6,74%. Ua mea ole, o ka papa, ia i mea uku. Naʻe, ka mea, uaʻoi kona kiʻekiʻe ma mua o emi ka waiwai o ke kālā, a ua 6.5% i ka 2013. A ia mea - kekahi o nā kumu hoʻohālike no ka AaOIeIOUIeXAOAaIN me ka NPF, poe akamai i olelo mai. Objectively olelo ana, e loaʻa nui puu o depositors NPF problematic. Ka mea nui wale - e hoʻopale hoomau, mai emi ka waiwai o ke kālā. A ina APF e hana me ia, i ka hopena o kona ana, ma ka rula, hiki ke auhau like maikaʻi. Pēlā nā kānaka kālailai mai la. Ua pono, emi ka waiwai o ke kālā Makuakane wā nana aku la au, mai o ka hopena o ka 2013, i ka paa o ia ka influential 'ole me Sberbank, NPF. Customer manaʻo Hōʻike i ka hana ana i ka mau, hoomaona mai la oia kanaka. Oiai, e like me ka hoʻomaopopo nā kānaka hoʻopukapuka kālā NPF, i na dala, kahi hoike, he kiekie ae.

Naʻe, ka mea i ano e nana i ka hana ana,ʻaʻole wale no he hookahi makahiki, akā, no hoi no kekahi mau makahiki. Ua Ua oaeuiinoe, no kekahi laʻana, i mai 2009 a hiki i ka hapaha mua o 2013. Ka hua o APF Sberbank ua like ia ma kahi o 70%. A ka mea, 'o ka puu, ma kahi o 31% ma luna ma mua o ka huina emi ka waiwai o ke kālā ana no ka wā. Ia manawa, e like me kekahi mau hana lākiō i, ka awelika makahiki hua o APF makauliʻi Bank - 7,86%.

ka manaʻolana 'ia

He aha poe akamai i ka ike dala Time] i ka hua? He aha nō nā Iudaio i māhele portals e lanakila maikaʻi kakau i NPF makauliʻi Bank Customer nāʻana? 2014 - paʻakikī no Rusia i ka waiwai a me ka mau hua'ōlelo. Pehea e na nā ho'āpono, i ka haule ana i ka aila kala, a me ka ruble ma ka ka puka waiwai o ka waiwai hoomau dala?

Poe akamai i manaʻo i ka mea kuleana ololi 'aneʻi - na hana o ka Lūkini aupuni. Loa paha, nā kānaka kālailai e olelo aku, na Aupuni e i ka loa e holopono ana ma luna o ka modernization o ka nohona ma kou akamai o ka papa hana o ke aupuni. Inā ke aupuni mea hiki ke ku imua o ke kū'ē'ē 'ana i dictated ma ka mawaho' ia, a laila, he mea kela manawa, e ulu lawa i nakopoleniya makaainana ma ka NPF hikiwawe loa.

pane lākiō, ao ke ano a me ka kālā hana

Ano, e pili ana i lākiō i a me nā kālā hana. E au holo nōhie hoʻolohe iā ia? No ka loa ua correlated me ka Client Nāʻana ia? NPF makauliʻi Bank o ka Russian Hui, e like me ka mea uaʻike, ua ana ma waena o nā kulanui o ka pālākiō o ka 'Oihana "Expert RA". E like me ka hou kēla o ka hoʻolālā, o ka puu dala e E ku paa auanei pono. Aia nō nā aliʻi kiʻekiʻe mai, a, ma ka nui, lawe i mooolelo e like aʻe e like me ka helu o nā mea mālama mai, ka puka waiwai, a me ka pū i ka helu o ka mākau mea paahana o ka 'aoʻao hoʻokele waiwai - ka like, no ka laʻana, "Sharpe Lākiō". E like me ia i ka puu dala i lawe i ke kiʻekiʻe kūlana.

Aia ka hōʻike i NPF makauliʻi Bank hoike mai i ka uluʻano kiʻekiʻe loa i waena o poʻe i loko o ka Hoʻohana i loko o ka hapa mua o ka 2013. Makauliʻi ma ka buke o ka waihona kālā, hiki i ka pau ana o 2013th i loko o ka lunaʻekolu. Ua ua ike ia i ka poʻe i noho i loko o ka luna 10 poʻe o kona holoʻokoʻa ma luna o ia mau ana hoʻohālike i ka helu o nā mea mālama mai i i hoʻonaniʻia OAXA hoomau lapaʻau aelike, e like me NGOs.

Ka awelike waiwai o na makana i ka Client ka i ka NPF makauliʻi Bank - ma kahi o 56 tausani rubles .. Kēia kiʻi - kekahi o ka mea kiekie loa mawaena o ka alakai kālā. Ma kekahi, ia mea ma kahi o 1,3 manawa oi aku ma mua o ke kuai awelike. Ma hope mai o ka hopena o ka 2013 NPF makauliʻi Bank paa i ka market kaʻana like 'ana o 6,65%. Ka buke o makauliʻi - oi ma mua o 72 ieeeea? Rubles.