Bank "Ugra", problems which were only temporary, appeared in 1990.On the establishment of the financial services market is booming success the last 20 years.The main difference between the company - it is a good and quality service, chic list of financial services and products to the abundance of material prosperity and build their own business.Banking company is an official member of SWIFT, which is already talking about his excellent reliability and professionalism.The high status is reinforced by the possibility to make payments to international-type transmission of banking information inclusive.
Way innovation
Bank "Ugra", which reviews the most part positive in 2013 radically changed the policy of the activity.The new leadership has chosen the path of innovation and has established an unusual active policy development.Today, the financial institution can be called a universal credit organization of federal rank.The work is focused on the establishment of a variety of legal organizations and companies operating in various segments of the economy.The population has an opportunity to experience the benefits of new technologies and services a chance to use the advanced banking services.The dominant asset, which the Bank stands "Yugra" (St. Petersburg) from the competition - it is customers.Create favorable conditions for mutually beneficial and productive partnership.The main activity of the financial companies - is actively raising funds for the benefit of both customers and shareholders.
Temporary difficulties in 2013
Bank "Ugra" was only temporary problems, and now they are already behind.With the troubles faced in 2013.Despite the fact that the financial institution is in the top 200 Russian banks in terms of capital during this period it has been temporarily suspended contributions.At the same time it was reported that you can both close the existing contribution and refill it.Employees of financial institutions have insisted that the cause of technical failures, and as soon as the operation of the system is restored, regulation resumes.
panic depositors - lost interest
Investors who panicked, began to withdraw their deposits sharply prematurely terminated the contract.An interesting fact is that there are no delays in payments was not, and the bank "Ugra" deposits of natural persons paid in full and in accordance with the agreements.People have lost interest because of the excitement, though in fact no serious difficulties were not.The work of the financial institutions has been fully restored after a few weeks.The only "but" - a reduction in interest rates on deposits after resuming functionality.
What caused temporary difficulties?
temporary difficulties and minor inconveniences encountered and the depositors and the bank's management, were due to an unscheduled inspection of the Central Bank.Representatives of the authorities responsible were interested rates on deposits, which at that time was the largest in the domestic financial market.According to statistics, most of the banks that offer inflated rates on deposits, are experiencing financial difficulties and are on the verge of bankruptcy.Fundraising depositors on favorable terms - is nothing more than trying to stay afloat.This is what is of interest to regulators.Examination revealed no financial difficulties.The bank "Ugra", problems which were related solely to an unexpected audit was soft recommendations for reducing the amount of received contributions and guidance in relation to lowering interest rates.The reaction was immediate establishment.
Digital Statistics
In order to prove that "Yugra" (bank) deposits attracted not with the aim to earn more before the bankruptcy, but only in the framework of its policy, the public were given the reports, which have attracted the attention of regulators.The fact is that the financial institution after the adoption of innovative business strategy began to actively expand its loan portfolio.Thanks to the new advertising campaign, managed to attract deposits at 18 billion rubles in the first month, and 20.5 billion in the second.The loan portfolio increased by almost 1.6 times."Ugra" (bank) deposits offer the best, but it does not say anything about staying on the verge of bankruptcy, rather, it is indicative of the aggressive policy and a desire to conquer the financial market of Russia.
change of shareholders went only benefit
By the end of 2012 the change of shareholders.The owners of both institutions have 6 people who have set themselves a goal of getting into the top "100 Russian banks in terms of capital."At the time of change of ownership of reserves that the bank had "Ugra", reviews of which were extremely positive connotation, was 4 billion.The plan was to raise the figure to 10.7 billion rubles.Assets from the level of 27.3 billion rubles planned to increase to 50 billion rubles.Soon after the change of shareholders in the media was reported to increase the authorized capital to 6.17 billion rubles.All of these events occurred within three months before the date when the financial institution paid attention to the authorities in August.
History repeats
surprise inspections forced to radically change the policy of the bank.Interest rates on deposits have been reduced from 12.4% to 6.5% per annum for ruble deposits.Reduced rates has occurred in respect of foreign currency deposits.Previously the bank "Yugra" (St. Petersburg) gave 7.9% per annum, today it offers no more than 2-3%, depending on the package.In addition to falling interest rates, it has been closed prematurely program called "Mobile Summer", which is the most highly profitable in the financial market.Central Bank of Russia had the right to ban take deposits, but was limited to only a warning.Throughout the history of its existence, the Central Bank has been actively fighting for lowering rates as a result of falling inflation.According to representatives of the public services, this approach to the situation provides new opportunities for bankers in search of liquidity aspect.Similar measures were undertaken against "Sotsgorbank" and "Stroykredita" which temporarily stopped accepting deposits at the time of testing and is associated with technical difficulties.
What do customer reviews?
Bank "Yugra" (St. Petersburg, Moscow) is known to customers as one of the leaders in the banking sector.According to investors, the financial institution offers a wide range of various services and to fully satisfy the demands of even the most demanding customers.Those who decided to take advantage of offers of financial structure, do not stop talking about the convenient format of partnership.We are talking about a huge number of branches and ATMs of many of the latest technologies that allow to carry out any operation as quickly as possible.A distinctive feature of many partnerships referred to daily interest on deposits, which helps maximize the profitability of the past.Bank "Ugra" has overcome the problem of a temporary nature and easy.Its high level of reliability is the fact that it is relatively unscathed through the crisis in 1998, 2008.
recognized government
«Ugra" (Bank of Moscow) has been recognized not only the large number of customers, but also by the state.Deposit Insurance Agency puts it at the same level with the Savings Bank of Russia.In confirmation of this fact we can say that after the withdrawal of the license "Tyumenagroprombanka" its investors (individuals) have received compensation from the Deposit Insurance Agency through the Savings Bank, and investors entrepreneurs compensate "Yugra".The appearance of the list of agents just two years after entering the federal level - it is a significant signal that indicates the trust financial institution wholly owned by the state.During the crisis, when banks go bankrupt, and their leadership is taking illegal measures to save their money, "Ugra" - the bank addresses of the branches which will not be difficult to find, not only to find sources of funding, but also sent them to strengthen their structure.Capital is not "worn out" due to the difficult economic situation in the country, but on the contrary, increased."Ugra" (Bank of Moscow) retains a strong position, and its activity is focused on the interests of clients.That makes this the most attractive financial institution for the citizens of the country.
