"Summer Bank": reviews. OJSC "Bank of Summer." "Summer Bank" - a ego ego

OJSC "Bank of Summer" - a enyemaka nke VTB 24, na-arụ ọrụ uka n'ji agbazinye nke. The Bank na-eme na-atụ kacha nta chọrọ maka borrowers, àjà a dịgasị iche iche nke ngwaahịa na ọrụ.

akụkọ

Na 1990, e nwere a n'aka alụmdi "Bezhitsa-Bank" na Bryansk. Ya ọrụ na-eji ndị kasị ibu ụlọ ọrụ dị n'obodo ahụ, nke nta nke nta ọ malitere ịzụlite mortgage ahịa na n'ji mgbazinye ego. Na 2005, ka ihe nketa nke ego nzukọ ka sonyeere Federal Property Management Agency, na na 2006 - na Bank of Moscow, nke ruo afọ atọ abawanyele ya òkè n'elu 95%. Na 2011, ndị mepere ego alụmdi e etinye obi gị dum site VTB Group na kemgbe ahụ bụ ya enyemaka.

Na April 2012, ọ fọrọ nke nta 100% nke mbak (a nnọọ obere akụkụ nọgidere na a nta onyenwereoke) "Bezhitsa-Bank" ama ekesịpde VTB 24, isi nke osisi bụ Dmitry Rudenko, n'oge gara aga, osote onye na onyeisi oche nke "Russian Standard". O nwere a ezigbo ahụmahụ n'ji agbazinye ahịa (gụnyere mmepe nke nnọọ ọhụrụ maka Russian naa-mgbazinye ego - na isi nke ire mgbe ịzụta ibu). The agadi management nke ego Ọdịdị na-agụnye ndị ọzọ agadi oru "Russian Standard". Na October 2012, "Bezhitsa Bank" ẹkenịmde renaming na rebranding, na-agbanwe aha. Ya mere, e a "Summer Bank", Moscow ghọrọ obodo ebe isi ọrụ nke nzukọ.

Business Model

Ugbu a, "Summer Bank" - ihe alụmdi na specializes na-akpọ uka retail nke n'ji ahịa. N'etiti isi ngwaahịa - na issuance nke mgbazinye ego na ngwa ngwa ụdị (gụnyere site na ngwa ke retail ígwè), ego ma ọ bụ site na kaadị. Gafee mba, meghere a ọtụtụ n'aka na ego ụlọ ọrụ, a ọhụrụ mba ika - "Summer Bank", reviews nke ndị dị na niile nke thematic online portals. Kemgbe ụwa, ndị mbụ azụmahịa òtù nke bịanyere aka a ediomi nkwekọrịta na "nwa" VTB 24 ghọrọ DNS netwọk (sales engineer) na "Elmeh" (ire nke aji). Ebe E Si Nweta Mmemme "Bank of Summer" na-e n'ihi na ị na-ikwado zuo nke ngwaahịa na ọrụ maka ndị mmadụ na-akwụ ha ezigbo ụgwọ ike (ma ọ bụ oke na oge zuo). Issuance nke mgbazinye ego a na-nnọọ mfe - gị mkpa a kacha nta nke akwụkwọ, mkpebi a na-e ngwa ngwa. Ma nke a azụmahịa nlereanya a na underpinned site a nnọọ elu-stakes - dịkarịa ala 29.9% kwa annum (na-akwanyere naa-mgbazinye ego na ụgbọ ala mgbazinye ego).

Ọdịdị nke akụ na-ebute ụzọ

N'agbanyeghị ngwa ịrị elu na ewu ewu na mba, "Summer Bank" na, n'eziokwu, na-anọgide na "mmalite". Ọdịdị nke ụgwọ nke ewumewu na-anọchi anya na esịtidem ego, na akụ - n'ụdị inter-akụ mgbazinye ego, ụlọ ọrụ akaụntụ na a raara onwe ya nye na akaụntụ na Central Bank of Russia. Ihe dị ka ọkara nke akụ nke "Bank of Summer" bụ idem ke ego nke akụrụngwa, oghere nke ọhụrụ itieutom na mba, huu Filiks ọmụma. Site irè ego ụlọ akụ dị na n'ihi na ezi a obere oge iji nweta obi ike ahịa. Ọ bụ a na-eto eto ma pụtara ihe ịga nke ọma ego alụmdi awade a asọmpi ọnụego nke mmasị borrowers na a ọma larịị nke ọrụ, na-akwado site etozu. The lekwasịrị otu nke borrowers "Bank of Summer" - na-alụbeghị di obibi nke Russian Federation na isiokwu ahụ ndutịm center nke 20 puku rubles, ego na-arụ ọrụ na a obere nzukọ. Institution adọrọ uche ikwugharị ahịa, àjà ha a mma nhọrọ.

ego mgbazinye ego

Mgbe ike ọhụrụ ika na ihu nke "Summer Bank", na management nke VTB 24 zubere uche ọrụ nke alụmdi na ndị agba ebe nne na nna ụlọ ọrụ na-adịghị na-eduzi arụmọrụ - a nke nke uka ọrụ maka ndị bi. Ya mere, ọnọdụ maka issuance nke mgbazinye ego na ọhụrụ akụ na-ukwuu mfe. Flagship ichekwa ego na bank ngwaahịa ika "Summer Bank" - a ego na ego. Dị ka a na-achị, ọ bụ awara awara mgbazinye ego "Summer-Money", nke na mkpebi na a nkeji ole na ole (ibu ego - ogologo). Gbaziiri kwesịrị-egosi na a paspọtụ (ma ọ bụrụ na ego na 100 puku, ma ọ bụrụ na ndị ọzọ -. Ga chọrọ na ndị ọzọ na akwụkwọ).

The ọnụego a ngwaahịa akara - 29,9-39,9%, nke kwekọrọ na nkezi ọnụ ọgụgụ ndị ahịa. N'otu oge, "Summer Bank" awade a pụrụ nnọọ iche ngwaahịa, ihe analogue nke a na-hụrụ ndị ọzọ ego oru na-adịghị nke ukwuu mgbe: a adụ ego maka pụrụ ịdabere na borrowers na n'ezie ọnụego nke 19,9% kwa annum. Nke ahụ bụ, n'elu ẹkụre ego na mbinye ego na-agbaziri agbaziri na-alaghachikwuru ihe dị iche, dị ka ma ọ bụrụ na ọ na-akwụ ụgwọ a kpọmkwem pasent. Ele Mmadụ Anya n'Ihu ma ọ bụ zuru ezu ịkwụ ụgwọ na-ekwe, na-eme ego maka akaụntụ aga annuity atụmatụ. E nwere a kacha nta ugwo - ya size na-adabere na mbinye ego ego.

ọzọ ọrụ

"Summer Bank", reviews nke na-ekpebisi ike site na àgwà ndị ọzọ ọrụ na ọtụtụ ụzọ, na-na-agbaziri agbaziri a ọtụtụ nhọrọ na kwekọrọ n'ihe bụ isi ụlọ akụ ngwaahịa. N'etiti ndị ka ihe atụ, ndị ọrụ "Agbaghara ịkwụ ụgwọ": ndị ahịa pụrụ igbochi otu mbubreyo ugwo otu ugboro n'afọ, na ọ dịghị sanctions maka ya na-adịghị nyere (ma e wezụga n'ihi na eziokwu na mbinye ego okwu ga-akpali ka a ọnwa tupu). Ihe na-akpali nhọrọ bụ "ịgbanwe ụbọchị nke ịkwụ ụgwọ ': ma ọ bụrụ na a mmadụ na-enweghị oge na-eme ka a na ndokwa ugwo, o nwere ike chere na ụbọchị nke ugwo ego maka 15 ụbọchị. The ọrụ na-efu 90 rubles.

E nwere a ọrụ "ugwo na-ebelata", ikwe ọtụtụ ka restructure ego: ugboro n'oge ego nwere ike belata onyinye amanyere bụ iwu ịkwụ ụgwọ n'ihi na abawanye na ngụkọta ego okwu. E nwere "Bank of Summer" na a ngwaahịa ka "Insurance Mmemme" - ogbugbu nke iwu na ihe omume nke ihe isi ike na ịkwụ ụgwọ nke mgbazinye ego. Service price - 0,74% nke ego ego, dee-ala si akaụntụ a kwa ọnwa ndabere.

atụmatụ akwụmụgwọ

"Summer Bank" ego ego nke dị na a kacha nta nke akwụkwọ bụ nnọọ uzo agbazinye ọnọdụ. Gịnị ka ndị ahịa na nkwekọrịta - na ọ na-ege ọ obere ebipụta e dere. Insurance mgbe ị na-eme a ego-enye bụ inye onyinye afọ ofufo, n'adịghị mpi anoghi n'ulo oba, ebe ọ na mgbe ụfọdụ iwu. Ndenye mkpebi na ngwa n'ihi na nke zuru okè usoro "isi" na ntule nke solvency. N'ihi na nke a n'aka na alụmdi na-adịghị mkpa a nnukwu ego nke akwụkwọ na ego na-emekarị agbala na ụbọchị nke ngwa.

A nnọọ mkpa - na akụrụngwa, "ndị Bank of Summer" na-ike na nke VTB 24, ka ndị nile ATMs na ọfịs ndị nke ikpeazụ alụmdi - na mkpofu "n'oge okpomọkụ" ahịa. Onwere, ikike idozi borrowers jupụta - n'ọfịs, site na ọnụ, ego nyefe usoro. Ọzọkwa, "Bank of Summer" tweaked remote nkwurịta okwu usoro ndị ahịa: n'ihi na ihe atụ, ọ bụrụ na ị chọrọ iji otu n'ime ọrụ ndị na-dere n'elu, ọ bụ zuru ezu na-akpọ oku center oruru-adịghị ga-aga ọrụ. Hotline "Bank of Summer" dị njikere mgbe nile mkparịta ụka na borrowers.

Nkasi Obi Maka Ndị ahịa

N'agbanyeghị eziokwu na-eme ka ụlọ ọrụ ime shades nke ala na ibe - na-emekarị nke fọrọ nke nta niile Russian n'aka òtù, "Summer Bank" dị iche iche "n'oge a kara aka", na-abịa site na aha nke ya echiche nke aj u nke ịhụnanya, na-eke ihe ikuku nke nkasi obi na ha onwe ha ogige. E wezụga a mara mma imewe, ezigbo ụtọ na nzukọ nke Bank si itieutom: niile emmepe-arụ ọrụ na ndị ahịa na-arụ ọrụ kwa ụbọchị, e nwere ugwo ọnụ na ha. Ọ na-adọta ndị mmadụ na a mma okwu na aha, nke nwere a akụ - n'oge okpomọkụ. Adreesị oru na-adị mfe hụrụ na ọtụtụ ndị bi n'obodo ukwu online catalogs.

Dị ka e kwuru n'elu, ọ dịghị Ụlọrụ na mmasị, i nwere ike mee ka ego site n'aka na akụrụngwa VTB 24, ndị ọcha nke nke na-ọkọnọ n'ụba na ọtụtụ obodo. Echiche nke nkwanye ùgwù na ibe ahịa na underlines ika management "Summer Bank". Ịtọ oge itieutom - bụghị nanị otu, Otú ọ dị, borrowers nkasi obi criterion. Ruo n'ókè ụfọdụ akụkụ nke ihe nlereanya nke enyi bụ iguzosi ike n'ihe na-adabere na ya kpebie ahịa solvency - a ego nke ụlọ ọrụ a nwere ike inwe pensioners na ụmụ akwụkwọ, na nke ruru nke ọzọ ego oru (gụnyere VTB 24) mgbe ọ bụghị ndị kasị obi. Ihe kacha mkpa uru, nke nwere a "Summer Bank" - na ngwa maka a ego a na-ewere nnọọ ngwa ngwa.

Loans site-atọ ndị ọzọ bịara n'ikperé mmiri

"Summer Bank" na-anwa inwe - akpan akpan, site na ire ya n'aka ngwaahịa site ndị ọzọ na ibe ụlọ ọrụ. Dị ka pụrụ iche media, otu n'ime ndị bụ a akụ, "Bịa!", Nke na-ama na-enye mgbazinye ego na "ofufe" ụkpụrụ na-eji software si "nwa" VTB 24. Ndị ọkachamara kweere na anyị na-ekwu okwu banyere ụlọ akụ aha - ka nta mara na Russian ụdị mmekọrịta nke ego oru. The nzukọ management-ekwere na ndị dị otú ahụ imekọ ihe ọnụ na-enyere aka inyocha ihe ahịa na ógbè nke ika adịghị ma nwere itieutom. Na akụ, "Bịa!" Ọ bụ n'ezie na-akọrọ a na onye òtù ọlụlụ ọhụrụ ahịa na-agbalị "awabakwa" ọhụrụ ụdị nke ya na ngwaahịa. N'etiti ọkachamara na a dị oké egwu ntule nke mmekọrịta dị n'etiti mmadụ abụọ n'aka oru: na franchisor pụrụ ịma weere metụtara na image. Na-ere ndị ọzọ ngwaahịa nke ụlọ akụ nwere ike ịdị mgbagwoju anya ahịa. Ọ bụ ezie na, dị ka kwetara site ọkachamara, "Ngwanụ!" E Nyere a na-ekwe nkwa ọrụ revenue na efu n'aka ize ndụ.

ihe ịga nke ọma na okwu nke nọmba

"Summer Bank" ifịk ifịk ịgagharị Russian ahịa nke n'ji mgbazinye ego. Ndị ọkachamara na-eme atụmatụ na alụmdi, n'ezie "zakreditovannost" Russian bi na nke a nke, n'agbanyeghị ìgwè pessimistic nnwale, adịghị gafere 10%. Critically mma nke na-egbu oge na azụmahịa nlereanya nke ụlọ akụ na oge nke igba egbe ama 15%, ma na mma nke "isi" usoro na underwriting a ọnụ ọgụgụ na-ebelata ka 12% ruo mgbe ọgwụgwụ nke 2014. Na okwu nke mbanye "Summer Bank", reviews nke doo bụghị naanị borrowers kamakwa ọrụ, na-elekwasị anya na-eto eto na-ebenata na e ji amata "churn" ahịa nke okpokolo agba.

N'oge 2013 akụ nke Pọtụfoliyo ka toro ugboro 29 na karịa 1 ijeri rubles. Nke a na-emi esịnede abụọ mmiri - ego Ebe e si nweta na naa-mgbazinye ego (4 na 16 ijeri, karị). Na-eto eto na ọdịdị ala nke ebe e nwere a ika "Summer Bank" - sonyeere Rostov-on-Don, Kemerovo na ndị ọzọ isi Russian obodo. Site na njedebe nke 2014 na akụ si management-atụ anya uto nke Pọtụfoliyo na 28 ijeri. Meziwanye akụrụngwa nke ego alụmdi belatara nkezi oge nke ngwa maka a ego nke aka 10 nkeji, n'ihi na a n'aka emmepe fọrọ nke nta n'anya na kwụ n'ahịrị nke borrowers-eche ihe ngwọta. Ọ na-aghọ ihe na-arụpụta ọrụ nke mkpara - nke a bụ nnọọ ezigbo nghọta nke "Summer Bank", nke reviews mkpara nnọọ ike ịbụ na-ezighị ezi n'ihi na achikota na mmekọrịta nke dị iche iche nkewa nke nzukọ.

ntule nke na-agbaziri agbaziri

The usoro nke "isi" na underwriting, "ndị Bank of Summer" - ihe akpaghị aka usoro dabeere na SAS Ebe E Si Nweta isi na SAS Real-Time Mkpebi, iji na-eme mkpebi na ozugbo. Ọzọkwa jikọọ usoro a ọtụtụ n'aka bureaus. Ọrụ bụ amalitekwa na online direction: nwale nke borrowers emee tinyere na ndabere nke profaịlụ na-elekọta mmadụ na netwọk. The Bank na-ezube ịme a ọrụ na nyochara na-agbaziri agbaziri na onye nkwurịta okwu: na onye ọ bụ maara, ihe na afọ na mmekọahụ nke ndị mmadụ ka ha bụ, n'aka nke ya, mmekọrịta na onye ọ bụla ọzọ na ihe nwere n'ụlọ akụ.

Inyocha ahịa n'okpuru atụmatụ a ga-ekwe ka, iche site na-amụ na-elekọta mmadụ na profaịlụ, iji chọpụta ma ọ bụ n'eziokwu mgbe dejupụta ngwa. Otú ọ dị, ọrụ nke mmadụ n'ime "isi" na underwriting ọkachamara na-eme atụmatụ dị ka elu: onye ọ bụla, ọbụna ihe ndị kasị elu akpaghị aka usoro ike multifactorial nyochaa data banyere na-agbaziri agbaziri. "Summer Bank", a ego ngwa nke na-enyocha ke Nchikota - dị ka onye na-arụ, na-akpaghị aka - jide yiri echiche.

kaadị akwụmụgwọ

Ugbu a ngwaahịa akara "Bank Summer" ọ dịghị n'aka kaadị, ma na mmalite nke na-arụ ọrụ na ha na ndokwa maka 2014. Ka nanị nyere mgbazinye ego na ego, ma oruru management-aghọta na kaadị - nri ngwá ọrụ ahịa, nke ga-amụba ahịa. Otú ọ dị, na kaadị bụ ịghọ otu nọọrọ onwe ha ichekwa ego na bank ngwaahịa. Management mara ọkwa banyere atụmatụ na-emeghe a akara nke ọtụtụ pụrụ iche na mgbasa ozi. "Summer Bank" kaadị nke a na ndokwa hapụ na ulo oru mbo na akụkụ nke VTB 24 mere, dị ka ahịa ọkachamara, na ezi uche nzọụkwụ.

Unsecured mgbazinye ego na-elu mmasị ọnụego, nnyocha na-ekwu, ga-ahụ a ọma ndakọrịta na "kaadị" format. Economists kwere nke a agbazinye nke bụ nnọọ ewu ewu na Russia. Ikekwe marketers "nwa" VTB 24 ghara sere na njedebe nke 2014, na-agbalị a dị iche iche oge nke afọ - n'oge okpomọkụ. Address ihe ebe "n'aka" nwere ike nye iwu, ga ozugbo ahịa gị n'ụlọnga mkpara itieutom.

Naa-agbazinye

Dị ka ekwuola, na ntuziaka "Summer Bank" na-arụ ọrụ ndị mmadụ, n'ihi na ọtụtụ afọ aku naa-agbazinye: mgbe na asịwo ahịa, ghara ịchọta ego zuru ezu iji na-azụta ihe ndị na-amasị gị, i nwere ike ime ka ọ na a obere ego. Market ọkachamara kweere na mpi dị iche iche ego oru na nke a nke na-eto eto: na Jeriko onwe ha na-kpọrọ ha outlets nnọchianya si obot. Na-agbaziri agbaziri nwere ike tụnyere na-enye site na ọtụtụ n'aka oru, ma na-eme na na niile, mgbe ahụ, na-ahọrọ ndị kasị eweta uru nhọrọ. The isi ọrụ nke ahịa Player, gụnyere "Summer Bank" - rụọ nwale usoro, rụọ arụmọrụ nke akụrụngwa. Asọmpi dị elu, ma, n'ihi na ahịa ga-ahọrọ alụmdi na, nke mbụ niile, nye ndị kasị ozugbo omume arịrịọ. Dịkwa mkpa bụ mma akụkụ nke ọrụ na-agbaziri agbaziri - ma ọ bụrụ na nke ikpeazụ na-adịghị amasị ihe, mgbe ahụ, oge ọzọ ọ ga-ahọrọ ọzọ nzukọ, na nke a bụ n'ụzọ doro anya maara nke "Summer Bank". Ahịa Nyocha - ya bụ mma - eme ka ihe ịga nke ọma oruru na mmepe nke ichekwa ego na bank azụmahịa.