Ак барс банк вклад просто поймать момент



Вклад Просто поймать момент Ак Барс

u0411u0430u043du043a u0437u0430u0440u0435u0433u0438u0441u0442u0440u0438u0440u043eu0432u0430u043d u0432 u041au0430u0437u0430u043du0438 u0432 1993 u0433u043eu0434u0443.

u0421 1994 u0433u043eu0434u0430 u044fu0432u043bu044fu0435u0442u0441u044f u0443u043fu043eu043bu043du043eu043cu043eu0447u0435u043du043du044bu043c u0431u0430u043du043au043eu043c u041au0430u0431u0438u043du0435u0442u0430 u043cu0438u043du0438u0441u0442u0440u043eu0432 u0420u0435u0441u043fu0443u0431u043bu0438u043au0438 u0422u0430u0442u0430u0440u0441u0442u0430u043d (u0420u0422), u0430 u0441 u043du043eu044fu0431u0440u044f 1997 u0433u043eu0434u0430 u0438u043cu0435u0435u0442 u0441u0442u0430u0442u0443u0441 u0443u043fu043eu043bu043du043eu043cu043eu0447u0435u043du043du043eu0433u043e u043eu0440u0433u0430u043du0430 u043fu043e u0445u0440u0430u043du0435u043du0438u044e u0437u043eu043bu043eu0442u043eu0433u043e u0440u0435u0437u0435u0440u0432u0430 u0422u0430u0442u0430u0440u0441u0442u0430u043du0430, u043fu0440u0435u0434u043du0430u0437u043du0430u0447u0435u043du043du043eu0433u043e u0434u043bu044f u0433u0430u0440u0430u043du0442u0438u0440u043eu0432u0430u043du0438u044f u0438u043du0432u0435u0441u0442u0438u0446u0438u0439 u0432 u044du043au043eu043du043eu043cu0438u043au0443 u0440u0435u0441u043fu0443u0431u043bu0438u043au0438. u0412 u0447u0438u0441u043bu043e u043eu0441u043du043eu0432u043du044bu0445 u0443u0447u0430u0441u0442u043du0438u043au043eu0432 u0431u0430u043du043au0430 u0434u043eu043bu0433u043eu0435 u0432u0440u0435u043cu044f u0432u0445u043eu0434u0438u043bu0438 u043au0440u0443u043fu043du0435u0439u0448u0438u0435 u043fu0440u043eu043cu044bu0448u043bu0435u043du043du044bu0435 u043fu0440u0435u0434u043fu0440u0438u044fu0442u0438u044f u0422u0430u0442u0430u0440u0441u0442u0430u043du0430, u043cu0435u0441u0442u043du044bu0435 u0432u043du0435u0431u044eu0434u0436u0435u0442u043du044bu0435 u0444u043eu043du0434u044b u0438 u0442. u043f.

u0412 2002 u0433u043eu0434u0443 u00abu0410u043a u0411u0430u0440u0441u00bb u0431u044bu043b u043fu0440u0435u043eu0431u0440u0430u0437u043eu0432u0430u043d u0432 u043eu0442u043au0440u044bu0442u043eu0435 u0430u043au0446u0438u043eu043du0435u0440u043du043eu0435 u043eu0431u0449u0435u0441u0442u0432u043e, u0432 u0430u0432u0433u0443u0441u0442u0435 2015 u0433u043eu0434u0430 u043eu0440u0433u0430u043du0438u0437u0430u0446u0438u043eu043du043du043e-u043fu0440u0430u0432u043eu0432u0430u044f u0444u043eu0440u043cu0430 u0431u044bu043bu0430 u0438u0437u043cu0435u043du0435u043du0430 u043du0430 u041fu0410u041e.

u0421 u043du043eu044fu0431u0440u044f 2004 u0433u043eu0434u0430 u044fu0432u043bu044fu0435u0442u0441u044f u0443u0447u0430u0441u0442u043du0438u043au043eu043c u0441u0438u0441u0442u0435u043cu044b u043eu0431u044fu0437u0430u0442u0435u043bu044cu043du043eu0433u043e u0441u0442u0440u0430u0445u043eu0432u0430u043du0438u044f u0432u043au043bu0430u0434u043eu0432.

u0411u0430u043du043a u044fu0432u043bu044fu0435u0442u0441u044f u0443u043fu043eu043bu043du043eu043cu043eu0447u0435u043du043du044bu043c u0430u0433u0435u043du0442u043eu043c u0420u0422 u043fu043e u043eu0431u0441u043bu0443u0436u0438u0432u0430u043du0438u044e u0441u0447u0435u0442u043eu0432 u0431u044eu0434u0436u0435u0442u0430 u0438 u0440u0435u0430u043bu0438u0437u0430u0446u0438u0438 u0441u043eu0446u0438u0430u043bu044cu043du043eu0439 u043fu043eu043bu0438u0442u0438u043au0438 u0420u0435u0441u043fu0443u0431u043bu0438u043au0438. u0422u0430u043au0436u0435 u0431u0430u043du043a u00abu0410u043a u0411u0430u0440u0441u00bb u2014 u0443u043fu0440u0430u0432u043bu044fu044eu0449u0438u0439 u0438 u0440u0430u0441u0447u0435u0442u043du044bu0439 u0446u0435u043du0442u0440 u043eu0434u043du043eu0438u043cu0435u043du043du043eu0439 u0444u0438u043du0430u043du0441u043eu0432u043e-u043fu0440u043eu043cu044bu0448u043bu0435u043du043du043eu0439 u0433u0440u0443u043fu043fu044b, u0432 u0441u043eu0441u0442u0430u0432 u043au043eu0442u043eu0440u043eu0439 u0438u043du0432u0435u0441u0442u0438u0446u0438u043eu043du043du044bu0435 u043au043eu043cu043fu0430u043du0438u0438, u043bu0438u0437u0438u043du0433u043eu0432u0430u044f u043au043eu043cu043fu0430u043du0438u044f, u0441u0442u0440u0430u0445u043eu0432u044bu0435 u043au043eu043cu043fu0430u043du0438u0438, u043du0435u0433u043eu0441u0443u0434u0430u0440u0441u0442u0432u0435u043du043du044bu0439 u043fu0435u043du0441u0438u043eu043du043du044bu0439 u0444u043eu043du0434 u0438 u0434u0440u0443u0433u0438u0435 u0441u0442u0440u0443u043au0442u0443u0440u044b. u0412 u0433u0440u0443u043fu043fu0443 u0431u0430u043du043au0430 u0432u0445u043eu0434u0438u0442 u0442u0430u043au0436u0435 u0438 u0434u043eu0447u0435u0440u043du0435u0435 u0410u041e u00abu0420u041du041au041e u00abu041du0430u0440u0430u0442u00bb (u0434u043e u0434u0435u043au0430u0431u0440u044f 2014 u0433u043eu0434u0430 u2014 u041eu041eu041e u00abu041au0411 u00abu041du0430u0440u0430u0442u0431u0430u043du043au00bb).

u041du0430 1 u0434u0435u043au0430u0431u0440u044f 2020 u0433u043eu0434u0430 u043eu0431u044au0435u043c u043du0435u0442u0442u043e-u0430u043au0442u0438u0432u043eu0432 u043au0440u0435u0434u0438u0442u043du043eu0439 u043eu0440u0433u0430u043du0438u0437u0430u0446u0438u0438 u0441u043eu0441u0442u0430u0432u0438u043b 650,51 u043cu043bu0440u0434 u0440u0443u0431u043bu0435u0439, u043eu0431u044au0435u043c u0441u043eu0431u0441u0442u0432u0435u043du043du044bu0445 u0441u0440u0435u0434u0441u0442u0432 u2013 72,62 u043cu043bu0440u0434 u0440u0443u0431u043bu0435u0439. u041fu043e u0438u0442u043eu0433u0430u043c 11 u043cu0435u0441u044fu0446u0435u0432 2020 u0433u043eu0434u0430 u0431u0430u043du043a u043fu043eu043au0430u0437u0430u043b u043fu0440u0438u0431u044bu043bu044c u0432 u0440u0430u0437u043cu0435u0440u0435 3,85 u043cu043bu0440u0434 u0440u0443u0431u043bu0435u0439.

u0421u0435u0442u044c u043fu043eu0434u0440u0430u0437u0434u0435u043bu0435u043du0438u0439:
u0433u043eu043bu043eu0432u043du043eu0439 u043eu0444u0438u0441 (u041au0430u0437u0430u043du044c);
129 u0434u043eu043fu043eu043bu043du0438u0442u0435u043bu044cu043du044bu0445 u043eu0444u0438u0441u043eu0432;
83 u043eu043fu0435u0440u0430u0446u0438u043eu043du043du044bu0445 u043eu0444u0438u0441u0430;
11 u043eu043fu0435u0440u0430u0446u0438u043eu043du043du044bu0445 u043au0430u0441u0441 u0432u043du0435 u043au0430u0441u0441u043eu0432u043eu0433u043e u0443u0437u043bu0430.

u0412u043bu0430u0434u0435u043bu044cu0446u044b:
u0420u0435u0441u043fu0443u0431u043bu0438u043au0430 u0422u0430u0442u0430u0440u0441u0442u0430u043d u0432 u043bu0438u0446u0435 u041cu0438u043du0438u0441u0442u0435u0440u0441u0442u0432u0430 u0437u0435u043cu0435u043bu044cu043du044bu0445 u0438 u0438u043cu0443u0449u0435u0441u0442u0432u0435u043du043du044bu0445 u043eu0442u043du043eu0448u0435u043du0438u0439 u2013 88,30%;
u041du0438u043au043eu043bu0430u0439 u041au0430u0440u043fu0435u043du043au043e u2013 6,40%;
u0410u043bu0435u043au0441u0435u0439 u041fu043bu0443u0433u0430u0440u044c u2013 3,60%;
u041fu0410u041e u00abu041du0438u0436u043du0435u043au0430u043cu0441u043au043du0435u0444u0442u0435u0445u0438u043cu00bb (u0432 u0447u0438u0441u043bu0435 u0430u043au0446u0438u043eu043du0435u0440u043eu0432 u043fu0440u0435u0434u043fu0440u0438u044fu0442u0438u044f u2013 u0410u041e u00abu0422u0410u0418u0424u00bb) u2013 1,46%;
u043cu0438u043du043eu0440u0438u0442u0430u0440u0438u0438 u2013 0,24%.

u0420u0435u0441u043fu0443u0431u043bu0438u043au0430 u0422u0430u0442u0430u0440u0441u0442u0430u043d u043au043eu043du0442u0440u043eu043bu0438u0440u0443u0435u0442 u0443u043au0430u0437u0430u043du043du044bu0439 u043fu0430u043au0435u0442 u0430u043au0446u0438u0439 u0447u0435u0440u0435u0437 u0413u043eu0441u0443u0434u0430u0440u0441u0442u0432u0435u043du043du044bu0439 u0436u0438u043bu0438u0449u043du044bu0439 u0444u043eu043du0434 u043fu0440u0438 u041fu0440u0435u0437u0438u0434u0435u043du0442u0435 u0420u0435u0441u043fu0443u0431u043bu0438u043au0438 u0422u0430u0442u0430u0440u0441u0442u0430u043d, u0410u041e u00abu0421u0432u044fu0437u044cu0438u043du0432u0435u0441u0442u043du0435u0444u0442u0435u0445u0438u043cu00bb, u041fu0410u041e u00abu0422u0430u0442u043du0435u0444u0442u044cu00bb u0438u043c. u0412.u0414. u0428u0430u0448u0438u043du0430, u0410u041e u00abu041au043eu043cu043fu0430u043du0438u044f u042eu043bu00bb, u041du041au041e u00abu0424u043eu043du0434 u00abu0422u0443u0433u0430u043d u0418u043bu044cu00bb u0438 u0434u0440u0443u0433u0438u0435 u043au043eu043cu043fu0430u043du0438u0438.

u041fu0440u0435u0434u0441u0435u0434u0430u0442u0435u043bu0435u043c u0441u043eu0432u0435u0442u0430 u0434u0438u0440u0435u043au0442u043eu0440u043eu0432 u0431u0430u043du043au0430 u044fu0432u043bu044fu0435u0442u0441u044f u0433u0435u043du0434u0438u0440u0435u043au0442u043eu0440 u043eu0434u043du043eu0433u043e u0438u0437 u043au0440u0443u043fu043du0435u0439u0448u0438u0445 u0430u043au0446u0438u043eu043du0435u0440u043eu0432 u0431u0430u043du043au0430 u0410u041e u00abu0421u0432u044fu0437u044cu0438u043du0432u0435u0441u0442u043du0435u0444u0442u0435u0445u0438u043cu00bb u0412u0430u043bu0435u0440u0438u0439 u0421u043eu0440u043eu043au0438u043d.

u0421u043eu0432u0435u0442 u0434u0438u0440u0435u043au0442u043eu0440u043eu0432: u0412u0430u043bu0435u0440u0438u0439 u0421u043eu0440u043eu043au0438u043d (u043fu0440u0435u0434u0441u0435u0434u0430u0442u0435u043bu044c), u0421u0435u0440u0433u0435u0439 u0410u043bu0435u043au0441u0435u0435u0432, u0417u0443u0444u0430u0440 u0413u0430u0440u0430u0435u0432, u041du0438u043au043eu043bu0430u0439 u0415u0432u0441u0435u0439u043au0438u043d, u0422u0430u0442u044cu044fu043du0430 u0416u0430u0440u043au043eu0432u0430, u0420u0443u0441u0442u0435u043c u0417u0430u0433u0438u0434u0443u043bu043bu0438u043d, u041cu0430u0440u0430u0442 u0417u0430u0440u0438u043fu043eu0432, u042eu0440u0438u0439 u041bu0435u0432u0438u043d, u0413u0440u0435u0433u043eu0440 u0423u0438u043bu043bu044cu044fu043c u041cu043eu0432u0430u0442, u041du0443u0440u0438u0441u043bu0430u043c u0421u044eu0431u0430u0435u0432, u0412u043bu0430u0434u0438u043cu0438u0440 u0422u0435u0440u0435u043du0442u044cu0435u0432, u0410u0440u0442u0443u0440 u0425u0430u0439u0440u0443u043bu043bu0438u043d.

u041fu0440u0430u0432u043bu0435u043du0438u0435: u0417u0443u0444u0430u0440 u0413u0430u0440u0430u0435u0432 (u043fu0440u0435u0434u0441u0435u0434u0430u0442u0435u043bu044c), u0420u0430u0434u0438u043a u0421u0430u043bu044fu0445u0443u0442u0434u0438u043du043eu0432, u041cu0438u0445u0430u0438u043b u041cu0430u0440u0438u043d, u0411u0443u043bu0430u0442 u0414u0430u0432u043bu0435u0442u0448u0438u043d, u042eu0440u0438u0439 u041cu0438u0445u0430u0439u043bu043eu0432, u0418u043bu044cu0444u0430u043d u0413u0443u0431u0430u0439u0434u0443u043bu043bu0438u043d, u041cu0435u0440u0430u0431 u0413u043eu0433u0438u0447u0430u0442u044b, u0413u0443u043bu044cu043du0430u0440u0430 u0421u0430u0442u0442u0430u0440u043eu0432u0430, u042du0434u0443u0430u0440u0434 u0410u0431u0434u0440u0430u0445u043cu0430u043du043eu0432.

u0410u043du0430u043bu0438u0442u0438u0447u0435u0441u043au0438u0439 u0446u0435u043du0442u0440 u0411u0430u043du043au0438.u0440u0443

u0422u0435u043b.:u00a0(495) 665-52-55u00a0(u0434u043eu0431. 489)

u041fu0410u041e u00abu0410u043a u0411u0430u0440u0441u00bb u0411u0430u043du043a u2014 u043au0440u0443u043fu043du044bu0439 u0443u043du0438u0432u0435u0440u0441u0430u043bu044cu043du044bu0439 u0431u0430u043du043a u0441 u0433u043eu0441u0443u0434u0430u0440u0441u0442u0432u0435u043du043du044bu043c u0443u0447u0430u0441u0442u0438u0435u043c, u0437u0430u043du0438u043cu0430u044eu0449u0438u0439 u043bu0438u0434u0438u0440u0443u044eu0449u0438u0435 u043fu043eu0437u0438u0446u0438u0438 u043du0430 u0440u044bu043du043au0435 u0431u0430u043du043au043eu0432u0441u043au0438u0445 u0443u0441u043bu0443u0433 u0420u0435u0441u043fu0443u0431u043bu0438u043au0438 u0422u0430u0442u0430u0440u0441u0442u0430u043d. u041eu0441u043du043eu0432u043du044bu0435 u043du0430u043fu0440u0430u0432u043bu0435u043du0438u044f u0434u0435u044fu0442u0435u043bu044cu043du043eu0441u0442u0438 u2014 u043au0440u0435u0434u0438u0442u043eu0432u0430u043du0438u0435 u0438 u0440u0430u0441u0447u0435u0442u043du043e-u043au0430u0441u0441u043eu0432u043eu0435 u043eu0431u0441u043bu0443u0436u0438u0432u0430u043du0438u0435 u043au043eu0440u043fu043eu0440u0430u0442u0438u0432u043du044bu0445 u043au043bu0438u0435u043du0442u043eu0432, u0432 u0442u043eu043c u0447u0438u0441u043bu0435 u043fu0440u0435u0434u043fu0440u0438u044fu0442u0438u0439, u043du0430u0445u043eu0434u044fu0449u0438u0445u0441u044f u0432 u0441u043eu0431u0441u0442u0432u0435u043du043du043eu0441u0442u0438 u0433u043eu0441u0443u0434u0430u0440u0441u0442u0432u0430, u0430 u0442u0430u043au0436u0435 u043eu043fu0435u0440u0430u0446u0438u0438 u0441 u0446u0435u043du043du044bu043cu0438 u0431u0443u043cu0430u0433u0430u043cu0438 u0438 u043fu0440u0438u0432u043bu0435u0447u0435u043du0438u0435 u0441u0440u0435u0434u0441u0442u0432 u043du0430u0441u0435u043bu0435u043du0438u044f u0432u043e u0432u043au043bu0430u0434u044b. rn rn

u041fu043e u0441u043eu0441u0442u043eu044fu043du0438u044e u043du0430 1 u044fu043du0432u0430u0440u044f 2019 u0433u043eu0434u0430 u0420u0435u0441u043fu0443u0431u043bu0438u043au0430 u0422u0430u0442u0430u0440u0441u0442u0430u043d u0432 u043bu0438u0446u0435 u041cu0438u043du0438u0441u0442u0435u0440u0441u0442u0432u0430 u0437u0435u043cu0435u043bu044cu043du044bu0445 u0438 u0438u043cu0443u0449u0435u0441u0442u0432u0435u043du043du044bu0445 u043eu0442u043du043eu0448u0435u043du0438u0439 u0438 u0413u043eu0441u0443u0434u0430u0440u0441u0442u0432u0435u043du043du043eu0433u043e u0436u0438u043bu0438u0449u043du043eu0433u043e u0444u043eu043du0434u0430 u043fu0440u0438 u041fu0440u0435u0437u0438u0434u0435u043du0442u0435 u0420u0422 u043au043eu043du0442u0440u043eu043bu0438u0440u043eu0432u0430u043bu0430 u0432 u0441u043eu0432u043eu043au0443u043fu043du043eu0441u0442u0438 u043fu043eu0440u044fu0434u043au0430 88,37% u0430u043au0446u0438u0439 u0431u0430u043du043au0430 (u0432 u0442u043eu043c u0447u0438u0441u043bu0435 u0447u0435u0440u0435u0437 u0410u041e u00abu0421u0432u044fu0437u044cu0438u043du0432u0435u0441u0442u043du0435u0444u0442u0435u0445u0438u043cu00bb u0438 u041fu0410u041e u00abu0422u0430u0442u043du0435u0444u0442u044cu00bb). u041eu0441u0442u0430u0432u0448u0438u0435u0441u044f u0434u043eu043bu0438 u043fu0440u0438u043du0430u0434u043bu0435u0436u0430u043bu0438 u041du0438u043au043eu043bu0430u044e u041au0430u0440u043fu0435u043du043au043e (6,41%), u0410u043bu0435u043au0441u0435u044e u041fu043bu0443u0433u0430u0440u044e (3,60%), u041fu0410u041e u00abu041du0438u0436u043du0435u043au0430u043cu0441u043au043du0435u0444u0442u0435u0445u0438u043cu00bb (1,46%, u0432 u0447u0438u0441u043bu0435 u0430u043au0446u0438u043eu043du0435u0440u043eu0432 u043fu0440u0435u0434u043fu0440u0438u044fu0442u0438u044f u0410u041e u00abu0422u0410u0418u0424u00bb) u0438 u0430u043au0446u0438u043eu043du0435u0440u0430u043c-u043cu0438u043du043eu0440u0438u0442u0430u0440u0438u044fu043c (0,16%) «,»name_full»:»u041fu0410u041e u00abu0410u041a u0411u0410u0420u0421u00bb u0411u0410u041du041a»,»active»:true,»icon_url»:»//static2.banki.ru/upload/iblock/8e2/akbars.gif»,»site»:»www.akbars.ru»,»is_nco»:false,»is_ssv»:true,»is_news_on_allbanks»:false,»is_show_banki_reference»:true,»is_socnet_on»:false,»is_socnet_active»:false,»show_counter»:770714,»show_counter_start»:»1970-01-01 03:00:00″,»allbanks_show_counter»:2939,»engbanks_show_counter»:5550,»socnet_total_user_cache»:null,»title_video_id»:0,»blog_first_person_author_id»:0,»socnet_id»:0,»photo_head_office_preview»:»»,»photo_head_office_big»:»»,»cb_info_url»:»http://cbr.ru/credit/coinfo.asp?id=920000005″,»socnet_bank_url»:»AK Bars»,»name_alternative»:»»,»address»:»420066, u0433.u00a0u041au0430u0437u0430u043du044c, u0443u043b.u00a0u0414u0435u043au0430u0431u0440u0438u0441u0442u043eu0432, u0434.u00a01″,»personal_director»:»u0413u0430u0440u0430u0435u0432 u0417u0443u0444u0430u0440 u0424u0430u043du0438u043bu043eu0432u0438u0447″,»name_eng»:»Ak Bars Bank»,»name_full_eng»:»PJSC «Joint-Stock Commercial Bank «Ak Bars»»,»address_eng»:»»,»preview_text»:»»,»detail_text»:»

u0410u043au0446u0438u043eu043du0435u0440u043du044bu0439 u043au043eu043cu043cu0435u0440u0447u0435u0441u043au0438u0439 u0431u0430u043du043a «u0410u041a u0411u0410u0420u0421» (u043fu0443u0431u043bu0438u0447u043du043eu0435 u0430u043au0446u0438u043eu043du0435u0440u043du043eu0435 u043eu0431u0449u0435u0441u0442u0432u043e) u0437u0430u0440u0435u0433u0438u0441u0442u0440u0438u0440u043eu0432u0430u043d u0432 u0426u0411 u0420u0424 u0438 u0443u0441u043fu0435u0448u043du043e u0440u0430u0431u043eu0442u0430u0435u0442 u043du0430 u0444u0438u043du0430u043du0441u043eu0432u043eu043c u0440u044bu043du043au0435 u0420u043eu0441u0441u0438u0438 u0441 1993 u0433u043eu0434u0430. rn

u0411u0430u043du043a u0440u0430u0441u043fu043eu043bu0430u0433u0430u0435u0442 u0432u0441u0435u043cu0438 u0432u0438u0434u0430u043cu0438 u0441u0443u0449u0435u0441u0442u0432u0443u044eu0449u0438u0445 u0432 u0420u043eu0441u0441u0438u0439u0441u043au043eu0439 u0424u0435u0434u0435u0440u0430u0446u0438u0438 u0431u0430u043du043au043eu0432u0441u043au0438u0445 u043bu0438u0446u0435u043du0437u0438u0439 u0438 u043eu043au0430u0437u044bu0432u0430u0435u0442 u0431u043eu043bu0435u0435 100 u0432u0438u0434u043eu0432 u0431u0430u043du043au043eu0432u0441u043au0438u0445 u0443u0441u043bu0443u0433 u0434u043bu044f u043au043eu0440u043fu043eu0440u0430u0442u0438u0432u043du044bu0445 u0438 u0447u0430u0441u0442u043du044bu0445 u043au043bu0438u0435u043du0442u043eu0432. rn

u0421u0435u0433u043eu0434u043du044f «u0410u041a u0411u0410u0420u0421» u0411u0430u043du043a u043eu0431u0441u043bu0443u0436u0438u0432u0430u0435u0442 u0431u043eu043bu0435u0435 3,2 u043cu0438u043bu043bu0438u043eu043du043eu0432 u0447u0430u0441u0442u043du044bu0445 u043bu0438u0446 u0438 u0441u0432u044bu0448u0435 66 u0442u044bu0441u044fu0447 u043au043eu0440u043fu043eu0440u0430u0442u0438u0432u043du044bu0445 u043au043bu0438u0435u043du0442u043eu0432, u0441u0440u0435u0434u0438 u043au043eu0442u043eu0440u044bu0445 — u043au0440u0443u043fu043du0435u0439u0448u0438u0435 u044du043au0441u043fu043eu0440u0442u0435u0440u044b u0420u0435u0441u043fu0443u0431u043bu0438u043au0438 u0422u0430u0442u0430u0440u0441u0442u0430u043d, u043fu0440u0435u0434u043fu0440u0438u044fu0442u0438u044f u043du0435u0444u0442u0435u0433u0430u0437u043eu0432u043eu0433u043e u0438 u043du0435u0444u0442u0435u0445u0438u043cu0438u0447u0435u0441u043au043eu0433u043e u043au043eu043cu043fu043bu0435u043au0441u0430, u043cu0430u0448u0438u043du043eu0441u0442u0440u043eu0438u0442u0435u043bu044cu043du044bu0435, u0442u0435u043bu0435u043au043eu043cu043cu0443u043du0438u043au0430u0446u0438u043eu043du043du044bu0435, u0441u0442u0440u043eu0438u0442u0435u043bu044cu043du044bu0435, u0445u0438u043cu0438u0447u0435u0441u043au0438u0435, u0430u0432u0442u043eu0442u0440u0430u043du0441u043fu043eu0440u0442u043du044bu0435, u0442u043eu0440u0433u043eu0432u044bu0435 u0438 u0430u0433u0440u043eu043fu0440u043eu043cu044bu0448u043bu0435u043du043du044bu0435 u043fu0440u0435u0434u043fu0440u0438u044fu0442u0438u044f. rn

u0421u0442u0430u0431u0438u043bu044cu043du043eu0441u0442u044c u0434u0435u044fu0442u0435u043bu044cu043du043eu0441u0442u0438 u0411u0430u043du043au0430 u0433u0430u0440u0430u043du0442u0438u0440u0443u0435u0442 u043eu043fu043bu0430u0447u0435u043du043du044bu0439 u0443u0441u0442u0430u0432u043du044bu0439 u043au0430u043fu0438u0442u0430u043b u0432 u0440u0430u0437u043cu0435u0440u0435 38,0 u043cu043bu0440u0434. u0440u0443u0431. u0412u0435u043bu0438u0447u0438u043du0430 u0441u043eu0431u0441u0442u0432u0435u043du043du043eu0433u043e u043au0430u043fu0438u0442u0430u043bu0430 u043du0430 1 u043eu043au0442u044fu0431u0440u044f 2015 u0433. u0441u043eu0441u0442u0430u0432u043bu044fu0435u0442 61,0 u043cu043bu0440u0434. u0440u0443u0431. rn

u041du0430 11.01.2016 u0444u0438u043bu0438u0430u043bu044cu043du0430u044f u0441u0435u0442u044c «u0410u041a u0411u0410u0420u0421» u0411u0430u043du043au0430, u043du0430u0441u0447u0438u0442u044bu0432u0430u0435u0442 8 u0444u0438u043bu0438u0430u043bu043eu0432 u0432 u0420u0435u0441u043fu0443u0431u043bu0438u043au0435 u0422u0430u0442u0430u0440u0441u0442u0430u043d, 24 u0444u0438u043bu0438u0430u043bu0430 u0432 u043au0440u0443u043fu043du044bu0445 u0433u043eu0440u043eu0434u0430u0445 u0420u043eu0441u0441u0438u0438, 232 u0434u043eu043fu043eu043bu043du0438u0442u0435u043bu044cu043du044bu0445 u043eu0444u0438u0441u0430, 64 u043eu043fu0435u0440u0430u0446u0438u043eu043du043du044bu0435 u043au0430u0441u0441u044b, 11 u043eu043fu0435u0440u0430u0446u0438u043eu043du043du044bu0445 u043eu0444u0438u0441u043eu0432 u0438 1 u043fu0435u0440u0435u0434u0432u0438u0436u043du043eu0439 u043fu0443u043du043au0442 u043au0430u0441u0441u043eu0432u044bu0445 u043eu043fu0435u0440u0430u0446u0438u0439. «,»banki_reference_announce»:»

u041fu0410u041e u00abu0410u043a u0411u0430u0440u0441u00bb u0411u0430u043du043a u2014 u043au0440u0443u043fu043du044bu0439 u0443u043du0438u0432u0435u0440u0441u0430u043bu044cu043du044bu0439 u0431u0430u043du043a u0441 u0433u043eu0441u0443u0434u0430u0440u0441u0442u0432u0435u043du043du044bu043c u0443u0447u0430u0441u0442u0438u0435u043c, u0437u0430u043du0438u043cu0430u044eu0449u0438u0439 u043bu0438u0434u0438u0440u0443u044eu0449u0438u0435 u043fu043eu0437u0438u0446u0438u0438 u043du0430 u0440u044bu043du043au0435 u0431u0430u043du043au043eu0432u0441u043au0438u0445 u0443u0441u043bu0443u0433 u0420u0435u0441u043fu0443u0431u043bu0438u043au0438 u0422u0430u0442u0430u0440u0441u0442u0430u043d. u041eu0441u043du043eu0432u043du044bu0435 u043du0430u043fu0440u0430u0432u043bu0435u043du0438u044f u0434u0435u044fu0442u0435u043bu044cu043du043eu0441u0442u0438 u2014 u043au0440u0435u0434u0438u0442u043eu0432u0430u043du0438u0435 u0438 u0440u0430u0441u0447u0435u0442u043du043e-u043au0430u0441u0441u043eu0432u043eu0435 u043eu0431u0441u043bu0443u0436u0438u0432u0430u043du0438u0435 u043au043eu0440u043fu043eu0440u0430u0442u0438u0432u043du044bu0445 u043au043bu0438u0435u043du0442u043eu0432, u0432 u0442u043eu043c u0447u0438u0441u043bu0435 u043fu0440u0435u0434u043fu0440u0438u044fu0442u0438u0439, u043du0430u0445u043eu0434u044fu0449u0438u0445u0441u044f u0432 u0441u043eu0431u0441u0442u0432u0435u043du043du043eu0441u0442u0438 u0433u043eu0441u0443u0434u0430u0440u0441u0442u0432u0430, u0430 u0442u0430u043au0436u0435 u043eu043fu0435u0440u0430u0446u0438u0438 u0441 u0446u0435u043du043du044bu043cu0438 u0431u0443u043cu0430u0433u0430u043cu0438 u0438 u043fu0440u0438u0432u043bu0435u0447u0435u043du0438u0435 u0441u0440u0435u0434u0441u0442u0432 u043du0430u0441u0435u043bu0435u043du0438u044f u0432u043e u0432u043au043bu0430u0434u044b. «,»banki_reference_part1_eng»:»

Ak Bars Bank was registered in Kazan in 1993. Since 1994 the lender has been an authorized bank of the Cabinet of Ministers of the Republic of Tatarstan, and since November 1997 it has been an authorized body in charge of preserving the republic’s gold reserves that are designed to secure investment in the republican economy. The bank took over Interkamabank, based in Nizhnekamsk, in 2000. In 2002, Ak Bars Bank turned into an open joint stock company, and into a public joint stock company in August 2015. For a long time, the bank’s participants were large Tatarstan-based industrial producers, and also local off-budget funds, etc. Since November 2004 the bank has been a member of the national deposit insurance system. rn rn rn rn

As of early 2018, the Republic of Tatarstan represented by the Ministry of Land and Property Relations and the State Housing Fund attached to the President of Tatarstan controlled in the aggregate 88.499% of the bank’s shares (including via such enterprises as Svyazinvestneftekhim and Tatneft), with the other shares held by Nikolai Karpenko (6.406%), Alexei Plugar (3.598%), Nizhnekamskneftekhim (1.458%) and minority shareholders (0.039%) rn rn rn rn

The bank’s board of directors is chaired by Svyazinvestneftekhim CEO Valery Sorokin, while once the bank’s board members included Robert Minnegaliev who served as the republic’s first deputy finance minister in 1999u20142003. rn rn rn

Ak Bars Bank is a management and settlement center of the namesake financial and industrial group that is comprised of 15 various agricultural, manufacturing, construction and trade companies, and also financial entities that include investment, mortgage (Ak Bars Mortgage LLC), leasing, insurance, settlement and other concerns. The group also includes a subsidiary, settlement no-profit organization Narat in Saratov (which operated as Naratbank Commercial Bank until December 2014). n

The lending institution is headquartered in Kazan. As of March 2018, the lender’s network consisted of five branches, 142 additional offices, 22 operating cash desks and 88 operating offices. Most of the bank’s units operate in the Republic of Tatarstan. The lending institution serves over 3.1 mln households and more than 67,000 corporate customers, which include major republican exporters, O&G and petrochemical concerns, machine engineering, telecom, construction, chemical, transport, retailing and agro-industrial enterprises. In addition, as a settlement bank of the Treasury Department of the Finance Ministry of the Republic of Tatarstan Ak Bars Bank renders cash settlement services to institutions in charge of the republican budget, local public administration bodies and budget-financed institutions. Also, over 1.2 mln plastic cards issued by the bank are in circulation. At the service of the bank’s cardholders are around 900 ATMs. As of September 30, 2017 the bank’s headcount stood at 6,700 (6,600 as of year-end 2016). rn rnrn rn

All in all, the lending institution provides over 100 types of banking services. Businesses are offered loans, bank guarantees, cash settlement services, payroll projects, merchant acquiring solutions, online banking, payroll overdraft products, the funding of investment projects, investment in the construction of commercial real estate, etc. Households are also provided with loans (auto, consumer and mortgage loans), account-free money transfers (via Contact, Western Union, UNIStream and Golden Crown), securities transactions on the stock market, bank cards powered by international payment systems MasterCard WorldWide and Visa International, and MIR cards, safety deposit boxes, payment options, precious metal operations, remote banking services, depositary services, etc. Notably, since April 1, 2014 China UnionPay cards can also be serviced via Ak Bars Bank’s ATMs. rn rnrn rn

From February 2017 through February 2018 the lending institution’s net assets dropped marginally (1.9%) to Rub 463.1 bln. During the year under review, the most remarkable change in the breakdown of the bank’s liabilities was the bank’s full repayment of promissory notes (Rub 44.4 bln), although a year ago they accounted for nearly 10% of liabilities. Moreover, customer funds decreased slightly, while the bank’s equity jumped by 16.6%, including on the back of an additional share issue. rn rn rn

As regards liabilities, the money of corporate customers traditionally dominate, accounting for 45.4% as of the balance sheet date. The bank’s liabilities are well diversified by duration, with long-term resources prevailing. As of February 1, 2018 nearly one quarter of liabilities fell to retail deposits, over half of which was drawn for one to three years. Drawn inter-bank loans and issued debt instruments, in the aggregate, do not exceed 2% of liabilities, with the rest falling to equity. rn rnrn rn

As of the balance sheet date, the bank’s capital adequacy ratio (u2116u00a01.0) was complied with a comfortable margin (15.8%, or nearly twice as high as the regulatory minimum). Subordinated loans for a total of Rub 15.3 bln as of February 1, 2018 were included in capital. Meanwhile, in 2017 the bank’s subordinated debt contracted because last year it prematurely bought back some of its subordinated Eurobond. As regards outstanding subordinated Eurobonds, the bank has five loans for a total of Rub 12.1 bln to be repaid from January 2025 through November 2034. The Deposit Insurance Agency (DIA) granted these loans as part of the government OFZ-based capital injection program. rn rnrn rn

The lending institution’s clientele is quite broad, with high payment flows. Over the past twelve months, monthly turnover of corporate operations have averaged Rub 300u2014500 bln (with heightened activity as of quarterly reporting dates). The clientele is marked by very high concentration on major customers. As of September 30, 2017 the money of the bank’s 18 biggest customers accounted for half of all customer obligations (slightly over 40% as of year-end 2016). rn rnrn rn

The credit portfolio dominates in the bank’s assets (36.6%), with another 33% invested in securities, 12.8% falling to granted inter-bank loans, 3.3% to high-liquidity assets (cash in hand and held on correspondent accounts), 13.1% to other assets (funds on an exchange, investment in rights of claim, and claims under other operations). rn rn rn

Over the past twelve months, the credit portfolio has declined by 11.5% to Rub 169.4 bln following a 17.8% contraction in corporate lending. Nevertheless, corporate loans still prevail in the credit portfolio (70.4%). Overdue debt in the aggregate portfolio dropped slightly to 5.3% by the balance sheet date. As of the balance sheet date, 13.6% of the portfolio was covered by provisions vs. 11.1% a year ago. The credit portfolio is collateralized only partially (68.6% compared to 63.4% a year ago). rn rnrn rn

According to an explanatory note to the financial statement, as of early October 2017 the bank classified nearly half of all corporate loans as those granted to small and mid-sized businesses. As for the sectorial breakdown of the credit portfolio, the bank’s major corporate borrowers, according to the data as of year-start 2017, were financial services providers, home builders, retailers, agribusinesses, food producers, and services providers. The bank is traditionally marked by high concentration of the major credit risk. As of September 30, 2017 32 major borrowers accounted for 36.2% of the credit portfolio before provisions (38% as of end 2016). rnrn rn

During the past twelve months, the securities portfolio has increased by nearly 10%. As of the balance sheet date, roughly two thirds of the credit portfolio fell to bonds, and one quarter fell to investment in Russian stocks. Slightly more than half of the bond portfolio falls to Russian corporate bonds, and OFZs account for a little higher than 12%. Securities collateralized under repurchase transactions hardly exceeded 6% of the bond portfolio. rn rn rn rn

Ak Bars Bank is both a borrower and a lender in the inter-bank lending market, acting more often as a net borrower. The bank is quite active in the currency conversion market, but foreign currency turnover is volatile and over the past twelve months it has ranged from Rub 30 bln to Rub 500 bln per month. rnrn rn

The lending institution posted net profit of Rub 796.6 mln in 2017, as its RAS financial statement showed, or nearly 25% above FY16 net profit. In January 2018, the bank earned Rub 200 mln in profit. rnrn rn

The Board of Directors: Valery Sorokin (chairman), Talgat Abdullin, Igor Avanesyan, Sergei Alexeev, Zufar Garaev, Yury Levin, Nurislam Syubaev, Vladimir Terentiev, Evgeny Tikhturov, Artur Khairullin, Sergei Shibaev, and Rustem Zagidullin. rn rn rn

Источник статьи: http://www.banki.ru/products/deposits/deposit/16483/


Adblock
detector