"AyManiBank": matsaloli, rating, abokin ciniki reviews

"AyManiBank" matsala wanda ya takaita damunsu a kan wani ɓangare na wani yawan abokan ciniki, sai kwanan nan da aka sani kawai a cikin Gorno-Altaisk. A cikin shekaru biyu na karshe kudi ma'aikata ne aiki, wanda ya yale shi ya tafi zuwa matakin tarayya da kuma zama a kan wani par tare da most bankuna a kasar. A lokacin, reshe cibiyar sadarwa kunshi 31 ofisoshin a sassa daban daban na Rasha. Cibiyar Finance kawai aiki tare da mutane da suka yi suna samuwa a cikin m kewayon ayyuka. Daga cikin shawarwari akwai adibas da kuma haya na lafiya ajiya kwalaye, fadi da kewayon bashi kayayyakin. A mafi m sabis, wanda ya kõma da hankali ga institute a matsayin "AyManiBank" a St. Petersburg da kuma sauran birane na kasar - shi ne auto rance.

Tarihi na banki

Basic banki domin bude wani ma'aikata kamar "AayManiBank" matsalar da aka ba kare a lokacin da tattalin arziki da rikicin, babu wanda ya bude a shekarar 1992 "Altayenergobank". Ya labarin ƙare a 2013. A wannan lokacin a cikin kudi a duniya a sakamakon sake saka alama da kuma "AyManiBank" ta bayyana. A farkon matakai na "Altayenergobank" samar da sabis kawai a cikin wannan yankin. Tun da tsakiyar 2000s, management na ma'aikata ya dauka a tsanani yanke shawarar janye matakin tarayya. Tun da 2009, Cibiyar ta shiga jerin saman 500 bankuna a kasar. Bayan da rebranding, kamfanin ta kudi matsayin musanya adireshin da babban ofishin, wanda yanzu ya koma Moscow. A shekarar 2013, akwai cikakken canji na dabarun na ci gaba da Cibiyar. Idan a 2012 da main mayar da hankali ya kasance a kan mabukaci bashi, sa'an nan, da suka fara a shekara ta 2013, babban kokarin da aka mayar da hankali a kan zane na mota bashin. By karshen 2014 "AyManiBank" matsaloli da cewa ba zai iya fahimtar yadda ya gada, ya riga ya shiga cikin jerin top goma bankuna a kasar ta girma na bayar da rance ga saya mota. Yau, mota rance zama wani fifiko. A wani mataki da aka tashe, da kuma sauran kayayyakin aikin banki.

Active ci gaban mota rance

Kamar yadda aka ambata a sama, da babban banki samfurin Institute - a mota aro. Shi ne a cikin wannan shugabanci ne da za'ayi aiki aiki ne da za'ayi hadewa da dila networks for motoci aiwatar. Tsare kafa sabon kawance, fadada jerin maki, inda masu zaman kansu abokan ciniki iya samun rance. Mafi yawa daga cikin kayayyakin, tare da banda gudunmawar ne da nufin abokan ciniki da suka riga samu wata mota aro. Su za a iya gani kawai a matsayin dace da riba tarawa rance sabis. Da yawa da hankali management biya dace da sabis na bankin da abokan ciniki ko ina a cikin kasar. Kowane abokin ciniki ne samuwa tare da kayayyakin aiki, kamar wani sirri account a kan official website na Confucius da online banking "AyManiBanka" - "I-Danna". M dama zuwa asusun ne kullum ana inganta. Jerin sabis na Intanit tsare kumbura, sabuwar dama, inganta matakin tsaro. Sulhu da sabon abokan, bankin management ne kullum fadada yiwuwa a cikin bangare na biyan bashin da ayyuka, miƙa mafi kuma mafi sabon hanyoyin da lissãfi. Yau, a mota, rance za a iya sãka a kan musamman fifikon sharuddan ta hanyar irin biyan bashin tsarin a matsayin "Jagoran" da "jcb", "Rapid" da kuma QIWI, CyberPlat. "AyManiBank" a St. Petersburg da kuma ta sauran ofisoshin a cikin kasar ne mambobi na "United warware System", wanda hada da 120 m bankuna, forming 40000th wakilin.

Reviews na bankin aikin

"AyManiBank" ofishin wurare wanda shi ne mai sauqi ka samu a cikin manyan biranen kasar, ya janyo hankulan wani taron na abokan ciniki tare da shawarwari da ya kai ga zargin wani babbar dama comments game da haɗin gwiwa tare da Cibiyar. The masana gudanar da wani kima da rinjaye na sake dubawa, sun amince a kan gaskiyar cewa banki, yana da amfani ko rashin amfani. Mutane da yawa abokan ciniki a hanya mai kayu magana game da wani iri-iri na mota, rance shirye-shirye. Ni'ima yarda da dawo da kudi don a bank account tare da sayan man fetur ga institute katin. "AyManiBank 'reviews yana ba kawai tabbatacce. Akwai quite babban kaso na abokan ciniki da suka koka game da sha'anin canjin kudi suna da mota na gyaran gashi, da abin da banki yana da wani haɗin gwiwa. Amma adibas, sau da yawa mutane magana game da m yanayi na abokantaka da kuma wani fairly hadaddun tsarin caji sha'awa. Amma ga mota rance na musamman, babban girmamawa ne a kan wani fairly manyan overpayment. Akwai mutane da suka karbi ba wa'adinsu talla kunshin, da kuma sanadin tuntuɓe, a kan wani m ƙi. Amma ga katin "Avtokopilka 'ra'ayoyin dabam- dabam suke. Akwai da yawa daga abokan ciniki suna da cikakken gamsu da samfurin data banki. Ba tare da masu katunan cewa roba aka katange bayan 'yan watanni da yin amfani, tare da dukan wurare da suke da a kan shi. A cewar su, CB "AyManiBank" kunshin da ake bukata domin samar da kofe na takardu saboda su rashi a cikin database. A hali na farkon biya na aro don saya mota inshora refusals zuwa sama aka gani.

Ƙiyasi da insignia

Key kudi Manuniya samu "AyManiBank" matsala wanda ya takaita fushi a kan wani ɓangare na abokan ciniki, wanda shi ne halayyar ga kowane kudi ma'aikata a cikin jerin saman 200 bankuna a kasar. The most banki portal Banki.ru, kima da bankunan 'abokan ciniki, bako na aikin, ba ma'aikata ta matsayi a saman goma kudi cibiyoyin a kasar a sakamakon kasa martaba. A 2014, kamfanin dillancin "Kwararre RA" ya gane kudi ma'aikata ta online banki da daya daga cikin mafi aikin intanet a kasar. Yana iya ƙarasa da cewa da ƙarfin management hukumomin ba a ciyar a kan banza ba. A cewar Moody ya kiyasta, a 2014 kafa na kasa sikelin rating aka sanya Baa3.ru, da kuma a kan kasa da kasa sikelin - B3. A banki da aka alama kamar yadda barga. A dillancin "Rus-Rating" kuma lura da bankin a matsayin karko da kuma bayar da shi a kasa rating na BBB + kuma BB International.

Abin da ba a yarda da bankin abokan ciniki a mota rance?

Saboda gaskiya cewa "AyManiBank" Ltd. ƙware a mota rance, babban yawan comments a kan kudi ma'aikata an haɗa da irin wannan samfurin. Mutane rubuta cewa a mataki na rajista da cinikayya na banki ma'aikata ba ko da yaushe samar da cikakken bayani game da matsayin aro sharuddan. Akwai bayanai da cewa hannu kan wannan yarjejeniya da bankin kwararru bayyana wasu sharuddan da rance, rance da kuma bayan da takardun da aka sanya hannu, su ne quite daban-daban. Game da na karshe comment, nan da abokan ciniki da kansu za zarga. Mutane kokarin cece ku lokaci, kamar ba su dame karanta wani Multi-kwangila da ka shiga nan da nan. Wannan sa wani m halin da ake ciki a nan gaba, a lokacin da ta je lokaci don yin wata-wata ijãra a kansa. Irin wannan damunsu za a iya gani ba kawai dangane da irin cibiyoyin a matsayin "AyManiBank" a Moscow, amma kuma a dangane da wasu bankuna. A bambanci ga korau sake dubawa game da kamfanin da za ka iya samu da yawa kalmomi na godiya daga abokan ciniki da suka hikima ya zaɓi wani mota rance da kuma a kai a kai su cika wajibai zuwa gare shi.

Da tsare-tsaren da nan gaba

"AyManiBank" rating wanda shi ne babban isa ga mafi ne ba sosai talakawa banki a matsayin sabis bayar da taimako a samun wani auto aro. Daya daga cikin fannoni na banki - yana da rance kulla da mota motocin. Yanzu akwai game da 30 rassan fadin kasar, management na shirin bude a kalla wani 50 rassan. Offices za a located in kowanne daga cikin tarayya gundumomi na Rasha. Yana zai sauri da kuma nagarta sosai gudanar da wani goyon baya na duk kamfanoni da abokan ciniki. A nan gaba, shirya hannu a cikin kudi ma'aikata na kasashen waje masu zuba jari, wanda zai bude hanyar da kafa daruruwan saman Rasha bankuna. A ra'ayin za a aiwatar a cikin shekaru uku. Domin cikin shekaru biyar masu shirya fitar da banki ta manyan matsayi a cikin kashi na aiki. Idan muka yi imani da kasuwanci shirin na banki, wanda yanzu ana aiwatar da gaba, a nan gaba za ta zama fi sauri girma kudi cibiyoyin a kasar.

Rahoto a kan May 1, 2015

Institution "AyManiBank", wanda AMINCI ne a wani babban matakin, nasa ne da category na matsakaici-sized Rasha bankuna. Ya nasa ne da 170th matsayi a kan net dukiya a wannan category. A May 1, 2015 net dukiya da kudi cibiyoyin zambar 22.87 biliyan rubles. Total dukiya ga shekara ya karu da 8.12%. Kadara girma da wani mummunan tasiri a kan samu a kan dukiyoyin da Roi. Bisa ga bayanai don gaba rahoto lokaci, a kan Afrilu 1, 2015 gefe rage daga 0.76% zuwa 6.63%. Moody`s dillancin ruwaito cewa kudi ma'aikata ne batun high bashi hadarin, da kuma bashi da ya rage low a 2015. Akwai dukan damar da na kara Downgrade. Idan aka kwatanta da kuma kimomi da 2014, wanda aka muka gani a sama, da halin da ake ciki ya tsananta. Idan ka kwatanta aiki na banki da sauran kudi cibiyoyin a cikin wannan category a kasar, sa'an nan yana da wuya a kira wani korau. A kudi ma'aikata bai yi magance riko gwamnati da tsiyacewa ko fatarar hanya. Duk da matsaloli da suke da halayyar da dukan ga dukan kudi a kansu a cikin ƙasa, da institute bai disclaimed alhakin. Tabarbarewar ko karu a statistics na tsawon 2014-2015 gg. An ƙara gani kamar na kullum, maimakon a matsalar aiki na samfur. A karkashin tasirin da rikicin sun kusan duk bankuna, da kuma "AyManiBank" ne ba togiya. Ganin cewa ya ci gaba da aiki da kuma fadada ta hanyar sadarwa na rassan, duk da m tattalin arziki yanayi, kawai inganta abokin ciniki biyayya kuma qara matakin na dõgara.

Holdings

Institution "AyManiBank 'adibas janyo hankalin sosai aiki. Wannan shi ne saboda da yawa adadin hannun jari da kuma kari, wanda da yawa masu zuba jari suna jarabce. Jawo hankali ga mun gwada da babban kudi kasuwa amfani rates, wanda Range daga 13,07% zuwa 15% dangane da shirin. A mafi kyau tayin kudi ma'aikata - shi ne 16,29% na ajiya, wanda ya samar da ga capitalization ban sha'awa. A lokacin, wani kudi ma'aikata taso cika da wajibai, da kuma rahotanni na ba biya sha'awa ko babba taimako ba tukuna. Akwai mutanen da suke magana game da alkawuran kudi ma'aikata. "AyManiBank" adibas na halitta mutum ne wanda ya riƙi wannan rana, ya bayar da daya daga cikin abokin ciniki TV a karshen ajiya. Daya iya tsayar da kadan canji a cikin juz'i na adibas tare da wani layi daya da karuwa a cikin adadin nasu kudi na banki, da kuma wakilin asusun da MKB m. Interest-hali wajibobi a kan adibas na kudi ma'aikata ya karu da game 10.4%, daga 17,4 biliyan rubles zuwa 19,21 biliyan rubles.

ruwa dukiya

Daga cikin ruwa dukiya daga bankin mallakar da nufin cewa da zaran yiwu za a iya canza kama zuwa kudi don su kõmo zuwa ga ajiyar da kuma cikakken saduwa da alkawura. Liquidity - shi ne bangaren da aminci. Liquidity na dukiya da shawara cewa, a cikin watan da ya gabata rubuta canji a juz'i na sosai ruwa Securities, alama karuwa a tsabar kudi a hannun kuma asusun banki na Rasha. Interbank rance ya karu, da kuma sosai ruwa dukiya, shan la'akari da rangwamen da sabawa sun canza tare da adadi na 4,01 biliyan rubles zuwa 9,78 biliyan rubles. A lokacin da na karshe rahoto lokaci "AyManiBank" adibas na halitta mutane ya karu da sau da yawa, wanda aka tare da wani karuwa a wajibobi to abokan ciniki. A a layi daya, a lokacin bara na kudi ma'aikata dangane da tattalin arziki da halin da ake ciki da cewa rinjaye a kasar, da babban birnin kasar outflow ga shekara karu daga 1,08 biliyan rubles zuwa 1,75 biliyan rubles. Kwatanta ruwa dukiya da adadin babban birnin kasar outflow haifar rabo 558,26%. Yana nuna m gefe na aminci, wanda shi ne iya shawo kan nisa mafi girma outflow na babban birnin kasar, maimakon daya da yake faruwa a yanzu.

Summing up

Kimantawa da halin da ake ciki tare da "AyManiBank" banki (reviews, ratings kuma statistics), da masana kira da category kudi ma'aikata dangane da abin dogara cibiyoyin. An shawarar zuba jari, amma a cikin adadin ba fiye da inshora bayar da ajiya da inshora hukumomin a cikin adadin 1.4 miliyan rubles. Rage Moody ya rating, tare da dogon lokacin da korau Outlook, m, wanda ya sa tsoro tsakanin ajiyar, yana da ƙasa da ya yi tare da bankin nasu ayyukan da kuma tattalin arziki halin da ake ciki da cewa ya ci gaba a yau a cikin ƙasa na Rasha. da banki kanta kawai rage girma na bayar da mota rance, amma ba karya dokokin da kuma ci gaba a kai a kai gudanar da duk da wajibai zuwa abokan ciniki. Filaye don damuwa da masu zuba jari ne ba ya nan a yau, da kuma mafi yawan bashi nasa ne da ajiya da inshora hukumar. M masu zuba jari ba su shawarar don bayar da gudunmawa ga dalilin cewa, a cikin taron na m aukuwa na da kudi za a iya kawai daskarewa. Game da abokin ciniki martani, suka sãmi biyu tabbatacce kuma korau. Kamar yadda a cikin yanayin da wasu cibiyoyin kudin kasar, don gamsar da bukatun na kowa da kowa ba shi yiwuwa. Haka kuma, mutane da kansu saboda su rashin kulawa da kuma rashin kula yin hadin gwiwa tare da bankunan yarda to kadan amfani ga takamaiman halin da ake ciki da kuma yanayi sa'an nan bayyana su haushinka. A kadan kula, a cikakken jarrabawa na yanayi na abokantaka, da ya dace banki samfurin - da kuma hadin gwiwa tare da bankin zai bar kawai m kwaikwayo. A wani da'awar musamman sabis hukumomin amsa nan da nan.