NPF Sberbank: wongororo. NPF Sberbank: profitability

Mudyandigere - kwete chete anozviita of RPF, asiwo vazhinji masangano asiri ehurumende akakodzera profile. Chimwe chezvinhu wakakurumbira - NPF nemari Bank. Chii chinoratidzwa mabasa private mudyandigere Fund? Chii vanoti kasitoma wongororo? Chii nzvimbo pavane iri kuera?

Chii chinonzi mudyandigere mari

Tisati taongorora vasiri mamiriro mudyandigere pavane mumari Bank, zvichaita kubatsira kutakura chiduku yokungotaura digression kune huru nyaya nyaya iyi. Imhandoi sangano - the NPF? Private mudyandigere mari - chii chaizvo basa ravo uye chinangwa tsika?

Wokutanga SPC akaonekwa 90s, asi kwenguva refu nguva havana kugamuchira rakafara kuparadzira. Ndivo rinogona kutsiva hurumende sangano - yokuRussia mudyandigere Fund, iyo yakava pamutemo akatsiva yakafanana mamiriro, izvo raishanda muna USSR. Paakasika private mari yakanga zvokutaurira, maererano nyanzvi, kuchiva ehurumende kuti kuderedza fiscal mutoro. Sei?

Chokwadi kuti unorema kubva mudyandigere nokubatira ehurumende kuti vagari vemo, inobva chaizvo zviri kuitika munzanga kuchengeteka wemuTesitamende Russian Federation, imhaka nokuumbwa mari chikamu kubhadhara. Mujinga chikamu kuzvipira iri zviduku - hurumende yaro zvikurukuru anotora pamusoro.

Private mudyandigere mari, mukuwedzera, kakawanda kacho, zvinopa LEVEL yacho dividend mari iri nokuda zvigadziriswe kuti bhizimisi mu-siyana yesangano, mubasa kutengwa uye kutengeswa kuchengetedzeka uye dzimwe mhando chepamutemo zvokutengeserana. Kazhinji, mudyandigere mari chinangwa ichi pamwe utariri makambani, vari vatariri pamusoro pemazano zvemari mhando iyi.

Mudyandigere Mari reserves tinonyatsokwanisa kudzivirirwa nomutemo. Uyezve, nzira dzekuziva kuti kubvuma kuti mabasa NPF zvino chaizvo kunyatsoteerera, uye nekuti nepamusika havangagoni kusiya kambani, iro rine mukana kusauka. Zvino Russia pane zvishoma gumi guru NPF. Pakati pavo - vasiri mamiriro mudyandigere pavane mumari Bank. Ndezvipi chaizvo yemabasa ayo? yakakura sei zvibereko APF nokuti mumari Bank muna 2013 uye kutarisirwa muna 2014?

tsananguro

Ngationei kudzidza Vhuṱanzi pamusoro kutaurwa Fund. Muvambi NPF - Sberbank kweRussia, guru zvemari sangano munyika yedu. The Foundation akasikwa muna 1995, 3 years pashure racho chirevo President of Russian Federation, iyo yakava wokutanga nomutemo mitemo mabasa chekambani.

Izvi mudyandigere Fund kunobatanidzwa kuMudzidzisi National Association. Maererano nevaari Analytical vazhinji, kureva NPF mari Bank - mumwe kumusoro iri kuwanda zviito asiri ehurumende mudyandigere mari. Maererano nomumwe masangano kupfuura kuti anoumba runoenzanirana nokufungidzira, kuti mari vaifanira yakavimbika. Zvikurukuru, nzvimbo idzi vanogamuchirwa nyanzvi of National Rating Agency, uyewo masangano akadai "Expert RA".

NPF mari Bank of Russian Federation anotaura nemasangano kuti dzinoiswa se "akazaruka-mugumo Fund." Institution inopa nzira dzakasiyana-siyana mudyandigere Zvirongwa uye munhu mabhizimisi nemitsetse. Kunyanya, chibvumirano basa tindopinda vagari (mukati rokumanikidzirwa inishuwarenzi uye kuriritira kuita kwehurongwa co-mari) uye dzepamutemo masangano. Mukana tagutsikana zvibvumirano nomumwe ezvinhu pasi iyo zvekunyora munhu zvichienderana mudyandigere plan, zvakakodzera zvemitemo zvinodiwa.

NPF anotaura mari Bank anogona kuwanikwa chero munzvimbo Russia. The mudyandigere Fund - chimwe chezvinhu vakakurumbira Russian Federation, matavi awo vanomirirwa munyika mune zvakawanda. The chikuru mabasa SPF riri kuitwa kuburikidza mahofisi hwomubereki kambani, uyewo kuburikidza kunobatanidza inoshandiswa samambure mari.

utariri mamiriro

Higher sangano utariri mamiriro - a Foundation Council. In ayo mashoko bhuku vari inokosha nyaya uye tikwanise kurapa tsika basa. Fund Board ari kusimukira mhando dzakasiyana magwaro normative, maererano mudyandigere reserves utariri urongwa, anotarisira profitability uye mamwe mabasa zvemari.

In sechivako kurapa NPF mari Bank ari kuuyawo odhita Committee. Zvinonzi chomurume kudzora zvoupfumi mabasa musangano. NeMutungamiriri Board of Foundation Committee. Uye nemamiriro sangano rine Board of nematirastii. In kugona kwake - yesangano dzokutarisira kuti zvaidiwa nomutemo. Senzira Board of wematirastii chipo plenipotentiaries Fund vatengi.

nokubatanidzwazve

Muna April 2014, ivo Fund akanga kurongwazve uye akagamuchira itsva kwesangano uye pamutemo. Zvino ari pamutemo rinonzi "NPF nemari". Vasati iyi mari yakanga mamiriro "asiri mubereko Sangano mumagariro kuchengeteka." All kodzero uye mitoro yacho NPF, kushanda gadziriro rekare chehurumende, kupfuura kuchinja kupinda sangano, rakanga kumhanya sezvo kudanda kambani kumonwa.

Kukosha guru mvumo kubva mumari Bank of NPF sezvo kambani - mamiriyoni 150 rubles. Migove vaiva ne wendarama. Ndiko, mumari Bank of Russia. Corporatization of mari, maererano nenyanzvi, nokuda zvitsva zvinodiwa pamutemo. Maererano navo, asati January 1, 2016 SPC zvose kuti mabasa ayo kushanda pamusoro Profile of mudyandigere inishuwarenzi madikanwa, anofanira kuva kwemajoini vapfuwi makambani. Kana SPC iri kutoitwa, tichibatanidza Ops uye private urongwa, asi mari inofanira kuumbwa, icho mubasa basa rokutanga mirayiridzo oga. Uyewo, mudyandigere mari, ane basa chokuita asiri nehurumende yemhuka, pasi kudanda kambani pamwe pamberi January 1, 2019. Kana mari havachengeti mukati yakakodzera mhando pamwe kutendeuka mukati nguva mitemo ushandiswe nokuda mutemo, ivo ichabviswa.

achibuda

NPF mari Bank - sangano yaiva nguva kuwana zvakawanda indasitiri mibayiro nokuda kwayo unongotaura. Ndedzipi zvinogona kucherechedzwa pakutanga?

Muna 2013, somuenzaniso, mari yave paakavapa chinzvimbo chepamusoro-soro dhipuroma pamusoro sangano "Expert RA" (uya kuti zvinoita ratings mari). Nomination - "Nokuti kukura private mudyandigere nhau." Mugore iroro NPF nemari Bank mumwezve mubairo. Zvakanyorwa kunzi "Financial Elite kweRussia". Nomination unorira "The simba okukura."

Muna 2012, NPF mari Bank akanga paakavapa ne "Expert RA". Asi zvino nomination yakarira zvakasiyana - "mukuru mwero kukura mutengi mujinga SPC". Zvegore, SPC akagamuchira mubairo "Financial Olympus 2011". Runoenzanirana nomination kwainge "Retail Firm". Paakavapa pazviri ari muboka chaiyo, yainzi "The simba uye kunyatsoshanda."

Muna 2011, mumari Bank NPF uyewo zvitupa kubva "Expert RA". Uyezve, mune mhando dzakawanda. Chokutanga - "mukuru mwero kukura vatengi chawo." Wechipiri - "Nokuti kuvandudzika nokuvimbika."

Muna 2010, sezvinoratidzwa nemashoko kubva dzinoverengeka zvinyorwa, NPF mari Bank ndiye chete sangano mumunda wayo, yakanga Kumukundi ari mubairo "Company of Year". Nomination kwainge "Finance". Mukuwedzera, mugore iroro uhu vakagamuchira "Finance 2010". Runoenzanirana nomination kwainge "Nokuti zvakaratidzwa nzira."

Muna 2009, NPF rave kuva chete sangano mumunda wayo, iyo paakavapa ari "Financial Olympus". Nomination kwainge, "Management Strategy mudyandigere Fund". Muna 2008, ivo Foundation akagamuchira mubairo "The Count Guryev" nokuda mupiro wake guru kukura Profile indasitiri. Muna 2007, NPF kwave paakavapa ari "Financial Olympus". Nomination kwainge, "Management Strategy mudyandigere Fund".

Users nepfungwa

Eya, achibuda NPF Sberbank zvakakwana. Asi sei Nenyaya Iyi mutengi feedback? Chii nemaitiro hunodzorwa vasara navo bhizimisi paIndaneti nezvikumbaridzo wongororo? NPF mari Bank - yakavimbika, inobva mutengi inofambiswa, chivako chacho? mubvunzo An zvakawanda. Asi tinoedza kupa nhungamiro zvichibvira mhinduro.

Kana tikatora sepokutangira kunyatsoongorora NPF mari Bank mutengi wongororo muna 2014 kana mumakore apfuura, mapoka maviri pamaonero zvinogona kupatsanurwa. Chokutanga - a kwazvakarerekera negative. Second - akanaka. Achitaura rokutanga. Vanhu pavanoona kuvapo uye unhu basa kwezvivako, izvo akasikwa Sberbank. Unogona kuenda chero bazi nhengo Bank urongwa zvemari uye kubvunza mibvunzo pamusoro pebasa NPF, kugadzirisa zvichiitika kunzwisisa. Zvisinei, sezvataurwa nedzimwe vatengi, padanho basa vanachiremba nevamwe mapazi kuti zvingave nokuda kwete dzakabudirira zvakazara mashandiro kuti kudyidzana pakati Fund uye kuti asimbise nechivako raro harisi yakakwirira nguva dzose. Uye - Vamwe kunaka, izvo zvinoreva mhinduro. NPF mari Bank panguva iyoyo akarumbidza kuti manufacturability (gare gare tichava kuvhura nuance ichi). Cherechedza yakakwirira unhu nhau. Somuenzaniso, pakupera kwegore vatengi nguva dzose kuuya magwaro akadzama zvinoratidza NPF Sberbank goho kwenguva chaiyo munguva. mhando iyi inofambiswa zvinogona semhosva zvinonyatsoteerera zvakanaka. Uyewo muchikwata ichi pane zvakasiyana anoratidza yakakwirira unhu nevasori, kubvunza, tagutsikana pamwe vagari chibvumirano mudyandigere basa. Kunyange zvazvo, sezvataurwa nevamwe nyanzvi, irege chokuita chete vashandi wokuti mumari Bank.

About voruzhinji maererano basa mari haigoni kutaura yeGmail.END_STRONG wongororo chete. NPF mari Bank ari dzinoverengeka vanonzi "kureva vanhu," rakanyorwa vamwe indasitiri nezvikumbaridzo. Muchiitiko chino, sezvo mutemo, unhu basa vanofungidzirwa. Dzakananga mari nzvimbo panguva iyoyo chaizvo siyana mushanduro dzakasiyana pamusoro ratings.

electronic format

Kutaura zvazviri, iye zvino ari chinoumba tichiratidza kuitika kwezvivako. Above tinoona kuti basa NPF Sberbank zvakakwana technologized - uye wokutanga vatengi zvose yakati. Kunyanya toreva migero paIndaneti kuti nekuita mari makambani. Iva mumwe yeGmail.END_STRONG NPF mari "Account wangu", iro rinogona kuwanikwa kuburikidza Browser. Uyezve, kushandisa kuti vaverengwe munyika NPF zvikomba zvitsva kunogonawo nomukombiyuta Website yacho sangano. Zvakakwana tarisei photo, pasipoti, SNILS, uye ipapo Upload navo vachishandisa paIndaneti chimiro. Maererano nedzimwe nyanzvi, ano ruzivo, izvo midzi muna NPF nemari Bank ( "Account Wangu" pakutanga), pakupedzisira kuva bhizimisi mureza uye achaita kunge varipo pane dzimwe mari.

profitability

Zvino mari chaiyo. How kunobatsira kupa mudyandigere pasi kurapa NPF mari Bank? 2014 anovimbisa angabatsira pahwaro zvoupfumi ezvinhu?

Chokutanga, nyanzvi dzinoti - zvakanakira pamwe nevasiri hurumende mudyandigere mari zvikuru kunobva chaizvo ari zvibvumirano chakagumisa pakati pavo uye vagari. Chinonyanya kunobatsira zvibvumirano vakaziva vanonzi mumwe zvirongwa. Chokwadi kuti vari dzakashandisa chaiko kuti Russia nuance - the mari "muhamvuropu". Uyezve, pane chibvumirano uku vagari vakanaka vane mari zvinopfuura 47 zviuru rubles (sezvazviri - pakupedzisira hwaro dzemaitirwe kuti mudyandigere zvipo) ..

Zvino chaizvo. Ndezvipi prices yokudzoka NPF mari Bank mugore 2013? Nenhamba yakabudiswa nesangano, - 6,74%. Zvinoodza mwoyo Chokwadi, zvingaita sokuti mwero. Zvisinei, zviri kupfuura mitengo, waiva 6,5% muna 2013. Uye - mumwe mukuru dzekuziva kuti kudyidzana pamwe NPF, vanamazvikokota vanoti. Kwawakarerekera kutaura, kuti awane mazakwatira depositors NPF matambudziko. Chinonyanya kukosha - kudzivirira pensions kubva mitengo. Uye kana APF kubata nawo, migumisiro remapazi ayo, pfungwa, zvinogona kuongororwa sezvo zvakanaka. Saka vaongorori vakati. Eya, mitengo kuzvigona kana ukatarira migumisiro 2013, pakatangwa vane mamiriro akadaro sezvo Sberbank, NPF. Customer inofambiswa kunoratidza kuti mabasa zvarwo, wakagutisa vagari. Kunyange zvazvo, sezvambotaurwa vanoita NPF, vane mari, apo anodzoka vaiva yepamusoro.

Zvisinei, zvine musoro kuti tiongorore chokupika, kwete chete nokuda chete gore, asi kwemakore akawanda. Zvinofungidzirwa Somuenzaniso, kuti kubvira 2009 kusvika pakutanga chikamu 2013. The zvibereko APF Sberbank akasvika vanenge 70%. Uye zvakawanda, vanenge 31% kupfuura tinofanira kugara mitengo mwero nokuda kwenguva. Zvichakadai, maererano vamwe indasitiri ratings, avhareji yegore negore zvibereko APF mari Bank - 7,86%.

tarisiro

Chii Nyanzvi vanoonekwa Fund Zvaifungidzirwa zvibereko? Ndezvipi mikana kuti sectoral nezvikumbaridzo kuchatekeshera zvakanaka achitaurirwa NPF nemari Bank mutengi wongororo? 2014 - kuomera Russia muna zveupfumi uye enyika mazwi. Sei chido zvirango, kuwa muna mitengo mafuta uye Ruble pamusoro profitability dzakavandika mudyandigere mari?

Nyanzvi dzinodavira kuti inokosha chinhu pano - nezviito hurumende yeRussia. Ungangove, vaongorori vanoti, zviremera vachafanira zvakasimba ushande mazuvaano chenyaya hombe nzira pakati zvoupfumi munyika. Kana hurumende iri kupikisa matambudziko zvinosiyana ari zvokunze kwezvakatipoteredza, ipapo zvose mukana kuti nakopoleniya vagari vari NPF kuchawedzera zvakakwana nokukurumidza.

kureva zvinhu uye mari chaitwa

Zvino, pamusoro ratings uye zvemari unongotaura. Ndinofanira kumboda hanya navo? Zvakadini iri correlated pamwe nemhosva akaongororazve navo? NPF mari Bank of Russian Federation, sezvazvakanyorwa kuzivikanwa, kunoonekwa panguva soro zvakadini rapanzvimbo sangano "Expert RA". Maererano matsva for the sangano, iyo mari ichava yakatsiga rakavimbika. Kune dzimwe kuera, izvo, zvikurukuru, kufungawo zvakadai zvinhu sezvo nhamba nemakasitoma, profitability, uye inosanganisira zvinoverengeka Analytical zvishandiso dzezvoupfumi - zvakadai Somuenzaniso, "Sharpe Ratio". Maererano kwaari mari anoshayisa chepamusoro.

Pane uchapupu hwokuti NPF nemari Bank akaratidza inonyanya kukura rinomutsa pakati makambani ari chidimbu rokutanga hafu 2013. Mari pamusoro Vhoriyamu mari rakasvika pakupera 2013th pamusoro matatu. Zvinozivikanwa kuti kambani aripo ari pamusoro 10 Mapoka Profile kwayo pamusoro nzira dzakadai uwandu vatengi kuti wakashongedzwa chibvumirano mudyandigere inishuwarenzi madikanwa, uyewo maNGOs.

Avhareji kukosha yeGmail.END_STRONG mupiro kuna NPF nemari Bank - vanenge 56 zviuru rubles .. Nhamba iyi - mumwe kumusoro pakati vaitungamirira mari. Zvikurukuru, zviri pamusoro 1,3 nguva kupfuura musika avhareji. Zvichitevera migumisiro 2013 NPF mari Bank akabata pamusika achagoverwawo 6,65%. Bhuku nemari - anopfuura mabhiriyoni 72 rubles.