Вклады в банках для новых клиентов



Вклад Для новых клиентов Ситибанк

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u0412u043bu0430u0434u0435u043bu044cu0446u044b:
Citigroup Inc.* (u0447u0435u0440u0435u0437 Citigroup Netherlands B. V.) u2013 100,00%.

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* Citigroup u0431u044bu043bu0430 u043eu0431u0440u0430u0437u043eu0432u0430u043du0430 u0432 1998 u0433u043eu0434u0443 u0432 u0440u0435u0437u0443u043bu044cu0442u0430u0442u0435 u0441u043bu0438u044fu043du0438u044f Citicorp u0438 Travelers Group u0438 u043du0430 u0441u0435u0433u043eu0434u043du044fu0448u043du0438u0439 u0434u0435u043du044c u044fu0432u043bu044fu0435u0442u0441u044f u043eu0434u043du043eu0439 u0438u0437 u043au0440u0443u043fu043du0435u0439u0448u0438u0445 u0444u0438u043du0430u043du0441u043eu0432u044bu0445 u0441u0442u0440u0443u043au0442u0443u0440 u0432 u043cu0438u0440u0435 (8-u0435 u043cu0435u0441u0442u043e u043fu043e u0440u0430u0437u043cu0435u0440u0443 u043au0430u043fu0438u0442u0430u043bu0430 u043fu0435u0440u0432u043eu0433u043e u0443u0440u043eu0432u043du044f, u043fu043e u0434u0430u043du043du044bu043c The Banker u2013 2019). u0412 u043du0430u0441u0442u043eu044fu0449u0435u0435 u0432u0440u0435u043cu044f u0433u0440u0443u043fu043fu0430 u0432u0445u043eu0434u0438u0442 u0432 u0442u0440u043eu0439u043au0443 u043au0440u0443u043fu043du0435u0439u0448u0438u0445 u0431u0430u043du043au043eu0432 u0421u0428u0410, u043eu0441u0443u0449u0435u0441u0442u0432u043bu044fu0435u0442 u0441u0432u043eu044e u0434u0435u044fu0442u0435u043bu044cu043du043eu0441u0442u044c u0431u043eu043bu0435u0435 u0447u0435u043c u0432 160 u0441u0442u0440u0430u043du0430u0445 u0438 u044eu0440u0438u0441u0434u0438u043au0446u0438u044fu0445 u0438 u043eu0431u0441u043bu0443u0436u0438u0432u0430u0435u0442 u0431u043eu043bu0435u0435 200 u043cu043bu043d u043au043bu0438u0435u043du0442u043eu0432.

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

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Citibank was registered as a bank with 100% foreign capital in 1993. Founding members of the limited liability partnership (Citi Bank, LLP), with equal stakes, were three American entities from the state of Delaware (domestic offshore area), namely Centaur Investment Corporation, Citibank Overseas Investment Corporation and Foremost Investment Corporation. The bank was later re-registered as a closed joint stock company (CJSC), and LLP vanished from its corporate name. The bank changed its corporate status to a public joint stock company (PJSC) in July 2015. Citibank is a subsidiary bank of US-based Citigroup* (100% of the bank’s shares are directly held by Citigroup Netherlandsu00a0B.u00a0V.). n

The bank’s customer service and sales network is currently comprised of 11 offices in Moscow, three in Saint Petersburg, and branches in Volgograd, Ekaterinburg, Nizhny Novgorod, Rostov-on-Don, Samara, and Ufa. The bank’s ATMs number 11. It should be noted that in the past two years the bank has halved its network and, according its its Russian CEO, the bank will continue to scale it down, shifting a focus to remote banking services. Citi’s subsidiaries also operate in Kazakhstan and Ukraine. As of October 1, 2017 the bank employed 3,125 (3,360 at the beginning of 2017). rnrn

The lender’s clientele is over 3,000 corporate customers and more than 600,000 households. The bank’s corporate customers include manufacturers, leading Russian and international companies, and major financial firms. According to Forbes, Citibank has ranked fifth among the most reliable Russian banks in 2017 (in the previous years the bank also held leadership positions among the most reliable Russian lenders). rnrn

The bank provides businesses with a broad lineup of products and services, namely cash settlement services, loans, overdrafts, letters of credit, guarantees, collection of payments, a corporate account management online platform (CitiDirect Online Banking), documentary operations, a full range of treasury products, services related to securities transactions, etc. rnrn

Households are offered deposit products, savings and cumulative accounts, credit and debit cards, consumer loans, insurance and asset management (Citigold) services, online banking and money transfers. rnrn

In the January u2014 October period of 2017, the bank’s assets jumped 13.6% (up Rub 60.5 bln) to over Rub 500 bln (Rub 505.7 bln) as of early September. During this period the bank chalked up an inflow of funds from corporate customers (mainly into settlement accounts and short-term deposits). Funds of corporate customers jumped by a quarter. Capital and retail deposits also rose conservatively (up 5.3% and 4.3%, respectively). Meanwhile, the money held on loro accounts declined by a third, although in absolute terms the decline had no effect on overall growth of liabilities. Drawn liquidity was mainly invested in the inter-bank lending market, with the portfolio of inter-bank loans expanding by nearly 40% (up Rub 62.3 bln). The lender also bumped up its credit portfolio (+11.1% or Rub 15.9 bln), while cutting provisions of high-liquidity balances and securities investments (in the aggregate, by Rub 16.6 bln). rnrn

The bank’s main source of funds is the money of businesses and institutions (accounted for 56% of liabilities as of the balance sheet date). Retail deposits account for 23.5% of liabilities, with drawn inter-bank loans and inter-bank balances held on loro accounts accounting in the aggregate for 3.1%. The bank’s clientele is active, with monthly turnover on settlement accounts of the bank’s clients ranging Rub 4.5 tln to Rub 6 tln since the beginning of 2017. The bank’s capital accounts for slightly more than 12% of liabilities, while the capital adequacy ratio, in line with CBR requirements, is maintained at a comfortable level by a good margin (14.8% for the u2116u00a01.0 ratio as of November 1, 2017). rnrn

As of the balance sheet date, the portfolio of granted inter-bank loans prevailed (44% of assets). The credit portfolio accounts for 30.5% of assets, 14.3% falls to securities, 7.3% to high-liquidity assets, and nearly 4% to other assets and fixed assets. rnrn

The lender’s credit portfolio has increased by 11.5% since the beginning of 2017. This rise was mainly driven by corporate loans, although retail loans rose as well. Corporate loans still hold sway in the credit portfolio, accounting for around two thirds. NPLs are reported as a mere 0.2%. Loan loss provisions covered 2.2% of the credit portfolio (2.5% as of start 2017). According to an explanatory note to the bank’s financial statement, as of October 1, 2017 half of the corporate credit portfolio fell to borrowers from the manufacturing sector, 28.4% to wholesalers and retailers, 11.7% to financial and insurance companies, and 3.2% to natural-resource businesses. Meanwhile, 84% of the corporate credit portfolio falls to transnational corporations, with the rest to major commercial enterprises (IFRS data as of June 2017). The retail credit portfolio consists (nearly 50/50) of consumer loans and credit cards. rnrn

The bank is aggressive in offering available liquidity in the inter-bank lending market using all instruments in its arsenal. As of the balance sheet date, 38% of inter-bank loans was issued to foreign banks (both short- and mid-term loans), with nearly the same percent to Russian lenders (mainly for short-term periods), and the remainder of the portfolio (25%) deposited with the Bank of Russia. The financial institution is a net creditor, with liquidity drawn in the inter-bank market averaging Rub 200 per month YTD, and monthly turnover of credits granted reaching as high as Rub 4u20146 tln. rnrn

In addition to balances held on correspondent accounts and cash in hand, the bank maintains high provisions of liquid securities. As of the balance sheet date, 90% of the securities portfolio fell to OFZ (not collateralized against repurchase transactions). The lender makes use of bonds in repurchase transactions from time to time and in small amounts without any urgent needs to raise funds in the money market. It should be noted that Citibank is an aggressive player on the FX market. rnrn

Citibank turned net profit of Rub 11 bln in January-October 2017. The bank’s 10M16 net profit amounted to Rub 7.8 bln. The lender generated net profit of Rub 10.3 bln in 2016. rnrn

The Board of Directors: Maria Ivanova (chairwoman), Mark Louie, Denis Korshilov, Natalia Nikolaeva, Christopher Teano, Victoria Smolyanova, Alexey Bolshakov, Marek Potoma, Eveline Cataline Duchay, and Polina Serebryakova. rnrn

The Management Board: Mark Louie (president and chairman), Ruslav Belyaev, Natalia Belaya, Mikhail Berner, Svetlana Klochko, and Natalia Nikolaeva. rnrn

* Citigroup was established in 1998 through the merger of Citicorp and Travelers Group, and is now one of the biggest financial institutions worldwide (No. 7 by tier 1 capital and No. 13 by assets as rated by The Banker u2014 2016). The group has a presence in more than 160 countries of the world (including Russia, Ukraine and Kazakhstan), dealing with around 200 mln customer accounts. Households, businesses and government institutions are provided with a full range of services and products, including credit programs, corporate banking services, brokerage services, corporate banking and wealth management services. rnrn

During the 2008 crisis the group’s capitalization sank from $240 bln in 2006 to $18 bln as of early 2009. Citigroup’s FY08 losses exceeded $18 bln. The group’s financial results improved substantially in 2010. rnrn

The group is one of the leading investment banking companies in Russia and the CIS. According to Dealogic data, the investment bank ranked first among cross-border M&A advisers in Russia in 2015. Specifically, the group advised Naspers Group on the acquisition of a 50.5% stake in Avito, and also acted as an exclusive financial adviser of ONGC Videsh in buying a 15% stake in Vankorneft JSC, and had its hand in some other major deals. According to the ranking of CIS Eurobond arrangers (cBonds data), from January 1, 2017 through November 24, 2017 Citigroup ranked third, and was in fifth place among Eurobond arrangers in Russia. rnrnrn

Источник статьи: http://www.banki.ru/products/deposits/deposit/20516/


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