Telegram channel of Bankst: messages from 06/23/2023

Russian woman Valeria played the game “Who wants to be a millionaire” in Telegram and lost 2 million rubles, writes channel 112. A woman from Moscow was attracted by large prizes that were promised to the winner. During the game, Valeria realized that she had grabbed luck by the tail – her winnings amounted to 6 million rubles. To get it, you had to pay a tax. As a result, the winner transferred almost 2 million rubles of “taxes” to the unknown, but the prize did not come. @banksta
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A resolution to impeach Joe Biden passed through the House of Representatives and is referred to the committees on the judiciary and homeland security. No one expects sensations, but nonetheless. @banksta
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According to the Central Bank, the rapid growth of credit to the population, observed in March-April, was replaced by even stronger growth in May. At the end of the month, loans to individuals increased by 2% or by 584 billion rubles (1.7% mm, 487 billion in April). For example, the Russians owed a record amount on credit cards – the total amount of overdue debt in May amounted to 225 billion rubles, Kommersant learned. @banksta
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To refuse to serve a corporate client, it is sufficient for the bank to have “reasonable suspicions” of a possible violation of the anti-money laundering law; it is not necessary to prove the existence of the purpose of legalizing criminal proceeds. The Supreme Court of the Russian Federation came to such a conclusion after examining the case of Promsvyazbank and Unity of Author’s Research+ LLC. To refute suspicions, you can request almost any additional documents from the enterprise – there is no exhaustive list of them. Kommersant writes about it. @banksta
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Companies from the “big four” of global auditors – PwC and EY – announced an investigation into data leakage incidents related to the Russian-speaking hacker group Clop, writes Bloomberg. The group threatened to release the audit firms’ internal data unless they paid a ransom. @banksta
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Kommersant recently published another article about how bad things are with the domestic IT industry. This time it turned out that Russian manufacturers produce servers of the wrong quality and in the wrong quantity. And proposals to limit parallel imports are a natural evil that will cover entire sectors – financial, for example, with a copper basin. The experiences of individual survivors are understandable, one wants to feel sorry for them. But what really? If you look at the register of manufacturers, you will see a fairly large number of equipment from various manufacturers. Among them, there are several companies with mature products and high batch capability. In other words, these companies have serious production facilities. For example, “Aquarius”, “Kernel”. Their equipment is presented in the infrastructure of many leading companies and banks, and these are very demanding customers. Try to supply the banks with something that is not right, of the wrong quality and in the wrong quantity. Therefore, yes – the quality and functionality of Russian servers are at the proper level. In any case, if we talk specifically about the leading manufacturers. Moreover, development teams are growing in companies, the speed of development is increasing. And all this in the country – at arm’s length for customers, and not somewhere out there, far away, with the notorious supply chains. At the same time, Russian customers have a top priority for Russian manufacturers. In short, Russian production today is able to provide the segment of UP and DP servers COMPLETELY. Capital letters. And besides, there is an active dialogue between manufacturers and customers in the direction of new products, new blocks of functionality, security. That is, everything is actively developing. Therefore, instead of crying crocodile tears because of restrictions on the parallel import of equipment, the production of which is actively developing in the country, you need to wipe away these very tears and honestly ask yourself: who benefits from such parallel imports? Russian manufacturers? An industry that is really taking off? A state that receives a developed and independent IT industry? Or me beloved, who solves their momentary tasks?
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The new owners of the assets of the outgoing foreign company, who bought them at a discount, will have to place 20% of the acquired shares on the stock exchange without fail. This will expand the toolkit for Russian investors, which, in turn, will stimulate the financial market, Finance Minister Anton Siluanov said. @banksta
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More than two months of summer ahead – a lot can be done: finish repairs, equip a summer house, upgrade a car or go on a long-awaited vacation To implement any of your plans, we have a summer offer for a cash loan with a rate of 3.9% when applying online and activation of the service “Your low rate”. We make a decision in a couple of minutes. And the loan amount from 5,000 to 30 million rubles is enough for any purpose – both summer and not (like today ????)
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In Pskov, a daring gardener attacked the office of the microfinance organization Denga. A man armed with a sapper shovel broke into the premises and demanded that the employee open the safe with money. The task turned out to be impossible, since the vault was equipped with an open timer. After that, the criminal who frightened the girl took the proceeds that were in the cash register and disappeared. The police later caught him. @banksta
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The son of US President Hunter Biden deducted payments to prostitutes from taxes. An official with the US Federal Revenue Agency (IRS) indicated that Biden avoided paying $106,000, including using sex costs as “business expenses.” It was spent on prostitutes weekly, so the deductions were significant. @banksta
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Before the CBO, foreign cash, deposits, shares and shares “devoured” over 100 billion rubles a month in Russia, and now it is about 98 billion. The volumes are comparable, although the structure has changed and now the main channel of leakage is deposits in foreign banks. Last year there was a record outflow in the history of Russia, despite all the locks and freezes. Money also does not stay in the country. @banksta
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2023 is a year of new challenges. The economy has already adjusted after the shock and continues to operate in a mode of constant change. Sprint development of technologies and revival of classic financial (and not only) instruments. Natalya Voevodina, Chairman of the Board of Rosbank, spoke about how things are done in such new conditions. Here are the most interesting moments of the interview: how it is to “live under sanctions”, why banks “tried out” the new SPFS system, what is happening with international transfers and what kind of financial cuts to expect; how the car loan market has changed. A small spoiler – in the first half of this year, 3.6 times more car loans were issued than in the same period last year. And, of course, the “Chinese” are in the lead; what about the demand for gold and what does the CFA have to do with it; what awaits the mortgage market. Will there be a rate increase above 12% and will demand collapse. And Natalia also told where to invest, how the CFA will be provided, and a lot of other interesting things. Read more here. @rosbank_official #Rosbank #Rosbank #SPIEF
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Employees of Wildberries distribution points complain in chats that someone orders horse and cow manure and does not pick it up, writes Baza. According to the rules, Wildberries stores parcels for up to two weeks – as a result, both employees and visitors to the pickup point are forced to breathe in manure. Due to aromatherapy, customers complain about the point of issue, which lowers the rating and leads to fines from Wildberries management. @banksta
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In recent weeks, the volatility of the currency has increased, which has become another driver of the growth of transactions with it. BCS World of Investments reminded clients how to make transactions as profitably as possible and what to pay attention to. currency transactions through a brokerage account are carried out at the exchange rate, which is always noticeably more profitable than in an exchanger currency can be bought without commission 15 currency pairs are available to clients in the most popular currencies, the minimum transaction amount is 1 unit (for example, dollar, yuan, Hong Kong dollar ) if you need to withdraw the currency to a bank account, then the funds will be credited to BCS Bank on the same day ???? the rate is as close as possible to the exchange rate 11 currencies are available, and there are cross rates for 4 currency pairs currency from a bank account can be immediately transferred to a brokerage account and invested Nice bonus – BCS Bank has special rates for friendly currencies (tenge, Turkish lira, serbian dinars) and favorable tariff Currency PRO for active work with currency.
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The head of the European Commission said that she could not name the exact date of Ukraine’s accession to the EU, but did not think the EU without it “in 20-30 years.” @banksta
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Bold decisions that determined the architectural development of megacities are valued by real estate collectors no less than historic mansions. The largest residential real estate transaction in the US is an apartment in a skyscraper. In 2019, a penthouse at 220 Central Park South on the upscale Upper East Side was bought for $238 million. The time is not far off when collectors of exclusive housing will begin to hunt for apartments in the “Event. 4″. This visionary and daring project from DonStroy is Russia’s first and ultra-modern skyscraper with sky-bridges even by world standards. In a couple of decades, when the application to call a flying taxi will be on the phone of every Muscovite, residents of the fourth quarter of the Events will say: “We had everything ready back in the 20s: promenades soaring near the clouds and high-speed elevators.” While the future has come only in one skyscraper, its residents will be able to relax in the sky-park lounge surrounded by greenery at a height of 170 meters and admire the change of seasons on Sparrow Hills, in Victory Park and the MSU campus. People all over the world go to Marina Bay Sands in Singapore for similar experiences. @banksta
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The EU, in its 11th package of sanctions, has banned access to European ports for tankers that transship Russian oil ship-to-ship (from ship to ship), suspected of violating the price cap (price ceiling) imposed by the G7 countries and the European Union, says in a press release from the European Commission. @banksta
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In order to protect the interests of investors, the US authorities may make an exception for the digital currency Ethereum and classify it as a commodity, not securities, according to the American Investment Bank JPMorgan. @banksta
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Russia is not included in the FATF lists. The Financial Action Task Force on Money Laundering (FATF) has decided not to include Russia in either the gray or black lists. The following were added to the “grey” list: Cameroon, Croatia, Vietnam. The “black” list has remained unchanged – it still includes North Korea, Iran and Myanmar. @banksta
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Aesthetics of life on the banks of the Moskva River In the historic Filevsky Park district, a new premium quarter “Beregovoi” is being created with direct access to the quiet promenade of the Moskva River. All apartments have panoramic floor-to-ceiling windows that provide soft natural light and offer unique views of the river and the City. In “Beregovoe” there is an atmosphere of calmness and luxury: Closed park yard where you will feel safe and find your place of power – alleys with field herbs and fruit trees, areas for training and walking with children. Lobby-living room on the ground floor with space for relaxation and a quiet meeting room for unhurried work. An open public space on the roof, where it will be comfortable to spend time surrounded by successful people, and possibly make pleasant acquaintances that will become good friendships for many years to come. Each apartment has a spacious kitchen-living room that will reflect the values ​​of your home and a place for family meetings and dinner parties. Rare formats are presented with dressing rooms and laundry rooms, isolated bedrooms and panoramic bathrooms. Get acquainted with the collection of planning solutions on the website beregovoy-kvartal.ru.
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Banksters of PSB successfully develop projects in new regions of the country. Following the meeting of PSB Chairman Petr Fradkov, Deputy Finance Minister Alexei Moiseyev and Deputy Chairman of the Bank of Russia Sergey Belov with Acting Governors of Russian Regions Vladimir Saldo and Evgeny Balitsky, decisions were made to expand the presence of PSB in the agglomeration of Kakhovka and Novaya Kakhovka. The focus is also on the issue of lending to agricultural producers in the Zaporozhye region, in particular, the largest state-owned company in the region, State Unitary Enterprise GZK. A number of other important topics were discussed, including project financing for the construction of new housing, preferential mortgages, insurance services – OSAGO and mortgage insurance, expanding the ATM network, transferring wage payments to non-cash payments to bank cards. Another significant achievement of banksters is that they signed the first agreements within the framework of the state program to support SMEs in new regions. The documents provide for the possibility of allocating financing at preferential rates for three companies operating in the DPR and the Zaporozhye region, for a total amount of more than 90 million rubles. @banksta
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71-year-old Vladimir Pavlovich was divorced according to the standard scheme. First, he got a call from the “police” – bad people took out a loan for him and are trying to send money to Ukraine. The man began to receive calls every day to take out loans and transfer them to safe accounts. The pensioner transferred 2.8 million rubles to the scammers. Yesterday he was told to come to the bank office and was told that there were bandits and criminals inside; advised the pensioner to smash the glass doors with a stone and take away the gun from the guards. The pensioner was frightened to take away the gun and grabbed the guard by the tie. After a fight with the guards, the pensioner realized that he had been deceived. @banksta
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Avito Real Estate has changed the rules for daily rent – now landlords can place an ad only after verification. The platform has completely abandoned the “bulletin board” format in favor of a transactional work model. This means that the guest pays part of the cost when booking, and the landlord deducts a commission only for paid reservations. As a result, both parties are better protected – the owner of the apartment or the manager may not worry that the tenant changes his mind at the last moment. A person renting a house will not have to transfer an advance payment to someone else’s card without clear guarantees, the money can be returned if something is wrong with the apartment. In disputable situations, 24/7 support is also available for both parties – it will help with any questions regarding online booking. “We are taking the final step that will help the market become more civilized, as well as simplify short-term rental housing, which is very useful given the holiday season,” said Artem Kromochkin, head of short-term rental at Avito Real Estate. @banksta
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Domklik calculated for which housing in May the Russians most often took out a mortgage. Experts analyzed the structure of mortgage loans issued by Sberbank in May and recorded a large increase in the popularity of individual housing construction (IZHS). People began to take out mortgages for individual housing twice as often compared to April. The share of mortgages on IZHS in the total number of loans increased to a record 8%. At the same time, the share of primary housing is 24%, and the share of secondary housing is 67%. Experts attribute the growing interest in mortgages for individual housing construction to seasonality and the preferential lending program “Gospodderzhka”. In May 2023, Gospodderzhka became Sberbank’s most popular preferential mortgage program, with 41,500 loans issued under it.
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The Central Bank will tighten the issuance of loans to Russians who spend 50% of their income on debt. By increasing the surcharges, the Central Bank will make loans issued to borrowers with a high debt load less profitable for banks. @banksta
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JPMorgan bank introduced blockchain technology to traditional banking and introduced a new payment system based on its own cryptocurrency JPM Coin. Thanks to crypto technologies, cross-border payments are almost instantaneous and with low fees. However, there is no need to talk about a breakthrough. Since its launch in 2019, JPM Coin has processed $300 billion in transfers, compared to nearly $10 trillion in daily payments processed by the bank. @banksta
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FATF President Raj Kumar replied that Russia had already been punished – suspended from membership in the FATF. He called it “an unprecedented event” for the first time in the organization’s 34-year history. @banksta