According to the report of the credit institution, the recent increase in telephone calls to shareholders Savings proposals for the sale of their stakes in the bank.

Head of Investor Savings Bank said Dmitry Zhdanovich Interfax news agency that the callers are usually submitted to members of various, including fictional and investment companies.

attempted fraud with the bank’s shares are registered in several Russian regions.

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As explained by Bill E. devout, the document proposed to introduce the possibility of state registration of an agreement between the mortgagor and mortgagee of the extrajudicial settlement of arrears on mortgages.

also proposed to establish that in case of implementation mortgaged property by seeking to recover it out of court registry on the mortgage is paid off on the application of the mortgagee – instead of the required filing with the Federal Reserve is now a joint statement mortgagor and mortgagee.

Just continued prayerful E. The bill provided for the introduction of the possibility of selling the mortgaged property at auction by the auction with a decrease in the initial price.

According to the authors of the bill and the committee on property, the bill would allow lenders to reduce the risks arising from lack of motivation of the debtor whose property has been sold as a result of treatment for his recovery, the application to terminate the registration record of a mortgage in the Unified State Register of rights to property and transactions with it.

Committee on plans for property finalization of the bill a second reading to include a description of the procedure and conditions of the auction with a reduction in the initial price, since the legislature is currently no mechanism for such an auction.

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Employers sometimes do not know why they need a loan, how much in demand product or service they offer, can not calculate the risks and benefits of the vice-president of the National Institute of System Studies of Entrepreneurship, Mikhail Smirnov. He was supported by the leading expert on Regional Development Fund assistance to small business in Moscow Stanislav Karpel, explaining that the fund primarily provides business consulting services, helping, in particular, to prepare a business plan, gather the necessary documents.

According to director of the department of finance for small and medium enterprises of the Russian Bank for Development Olesya Teplouhovoy, the task of raising the level of economic education entrepreneurs – is first and foremost, a zone of responsibility of the state. Thus, in implementing the program of lending to small and medium businesses running several educational programs for borrowers. However, representatives of the banks in one voice declared that lenders consider improving the financial literacy of customers not just for its social mission and responsibility, enabling them to own biznes.Tak, head of department on work with small business bank Societe Generale Vostok Ildar Shaymardanov noted that in a crisis half of the bank received no income from loans and deposits from businesses, explaining the advantages of this method of preservation of their money.

alone could not solve the financing problems of small and medium-sized businesses, has agreed to director of product development, SMEs Bank Uralsib Alexei Barabanov. “It is not always necessary to give the fish better to give a fishing rod” – he recalled the well-known maxim, saying that the bank holds regular open days, workshops and online consultations. Competent customer better understands the proposed banking services, is able to assess the full range of products and ready to use once more.

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Yesterday, the Presidium reviewed the application bank Slavia on supervisory review of decisions of lower courts who had refused to satisfy the claim of the bank to terminate the contract bank account with a customer – JSC “Aragon.” As follows from the case, the reason for the treatment of the bank with such a claim was the failure to notify the customer of the bank to change its location, though the obligation has been enshrined in the contract of bank account. Courts of first, appellate and cassation instances have refused to terminate the contract bank account on this basis, stating that Art. 859 of the Civil Code, which regulates the issue of termination of your bank account contains only two reasons for the closure of the customer’s account in court: nepodderzhanie within a month minimum balance on it and the lack of account transactions during the year. Outside court the bank may close the account to the client in the absence of funds for its operations and on it within two years. Such reason the bank was not (account transactions were conducted).

his position Bank Slavia argued the norm antiotmyvochnogo legislation that allows the client to refuse, whose whereabouts could not be determined, in opening an account. However, the courts of three instances considered not apply a similar analogy.

Presidium of the decisions of lower courts have disagreed, and upheld the bank terminated the contract of bank account with the client indicates operative part ruling, which was published yesterday on the site are .

reasoning in the decision, where the Presidium justify its decision, will appear later. But how should the definition of the transfer of cases to the Bureau, after considering the matter, three judges agreed with the logic of the bank. “By law (the judge referred to the same rule of law antiotmyvochnogo that the bank .-” b “) to provide reliable information on the whereabouts of the legal entity is essential for the bank account agreement”, – stated in the definition of EAC. Therefore, his violation of the contract of bank account may be terminated not by specific rules of the Civil Code to terminate the contract of bank account, and based on common norms of the Civil Code of termination of any contract.

Thus, the Presidium extended to banks in the list of grounds for judicial closure of client accounts at the initiative of the bank. “Practice when YOU extends letter of the law to increase their compliance with the spirit – to identify the client at all stages of interaction with him, and not just at the opening of accounts, is quite common, – said partner Law Firm Partnership Legal Aid Sergey Romanov. & Mdash ; Resolution of the Presidium required for the execution of arbitral tribunals inferior courts, and now the banks will be able to court to demand the closure of the customer’s account if the “virtuality” of his whereabouts raises doubts about the legality of its activities “.

problem which has helped banks to solve the Presidium, is relevant, indicate the market participants. “Change of address after an account is found very often – says the head of the Financial Monitoring Service of one bank .- When an account is opened, the documents provided to a normal company, with a real address, office and even a semblance of real activity. And when there comes the need to conduct for him questionable transactions, for example obnalnye, the company disappears from the specified address, and find it impossible. ” As a result, the bank faces the risk of claims from the direct control of the Central Bank in the face of inadequate monitoring compliance with legislation antiotmyvochnogo indicates market participants.

“The Presidium has established a good precedent, as now, banks have very limited set of tools to perform antiotmyvochnogo legislation – said the director of the legal department of Promsvyazbank Tatyana Kuzmina .- By law, we must in case of dubious transactions require the account holder an additional proof of its “normality”, but in practice this situation can not do this . Ability to close the account of the “disappeared” to the client solves this problem “.

However, market participants indicate that the real problem is much broader, and the Presidium has decided it only partly. “It is essential that the MPs adopted amendments to the civil law, allowing banks to extrajudicial refuse to open or to terminate the contract of bank accounts with clients whose activities involve a reputational and legal risks for the bank – said ARB Chairman of the Committee on combating money laundering and Financing of Terrorism, Alexander Naumov .- Change client location does not otdnoznachno testify about his illegal activities. Such a conclusion can only be done on the set of indications fictitious customer activity “.

expand its reach the unilateral closure of accounts bankers lobbied for several years, with the support and the Central Bank, and Rosfinmonitoring, said a member of the Duma Committee on Financial Markets Pavel Medvedev. “However, against the main advocates of state-legal department (GGPU) president – he says .- According to logic GGPU, granting banks the right to close customer accounts at its sole discretion associated with the risk of a sharp deterioration of economic conditions for business, because in our country for This necessarily need a bank account “.

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reduction rate on the loan, which EBV issued by the Agency for Housing Mortgage Lending (AHML), from 9,5 to 6,5% will reduce the investment returns of pension funds. Given that in the medium term EBV will actively invest in mortgages, pension funds, the yield on them will also be less. It turns out that the state would prefer to encourage mortgage lending through the WEB at the expense of profitability of pensioners, who have already lost a lot during the crisis.

Recently, the state continues to promote policies to reduce rates. Recently, the head of the Duma Committee on financial market Vladislav Reznik asked the Government amended the law “On additional measures to support the financial system of Russia. One of the main amendments to Mr. Reznik – reduction rates on credits extended by VEB AHML to 6,5%. VEB has AHML 40 billion rubles. Allocated from the fund under natsblagosostoyaniya 9,5% per annum up to 2020. The money would AHML through banks to encourage lending to affordable housing economy class.

Now the situation in the money and credit market had changed: the banks are finding it uninteresting to attract loans from AHML at a high rate (taking into account VEB bid to receive around 11%). This year, the VEB has been allocated 250 billion rubles. from the RPF to purchase mortgage-backed bonds from banks and AHML issued at a rate of no more than 11%.

However, decline in yield on the mortgage would fall in the profitability of securitized loans, which would adversely affect the demand for these securities with of potential investors – NPFov. “It is unlikely NPFy be interested in purchasing mortgage-backed securities with low returns” – believed the president of First National Pension Fund Vitaly Plotnikov. Moreover, he said, will be important, as these securities will be packed, whether a state guarantee on them as they are liquid. “Instead of such securities NPFy, rather, will invest in corporate bonds: they are more liquid, and the yield they have almost the same”, – said Mr. Plotnikov.

«If Rates on mortgages will continue to decline and will be below market, the demand will not have to say, moreover, in terms of liquidity to invest pension reserves in the mortgage securities NPFy will not be referred only to investments of savings opportunities, “- said General Director of Asset Management Capital ; Vadim Teats.

Thus, EBV is actually becoming one of the major players in the mortgage market. As the largest investor of pension funds (85% of pension savings), it stimulates the issuance of mortgage, and buying bonds. And given that the lion’s share of the mortgage market is, according to Expert RA, the Savings Bank (63%), who is also the conductor of state policy, it turns out that the state controls the entire mortgage market and pensions, lowering rates for mortgages, is responsible for fall in the profitability of pension funds.

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Typically, callers face seem different staff, including the fictional, investment companies and offer the shareholders of the bank to sell shares without breaking par (July 2007), which resulted in the number of ordinary shares of Sberbank, held by a shareholder, has increased in 1000, and the number of preferred shares – 20, with a corresponding decrease in value (see “Information on issues of shares of Sberbank of Russia OAO »).

Savings Bank recommends not to enter into contact with the suspected representatives of the investment companies and contact the call-center for shareholders Sberbank of Russia, based at the Registrar’s Savings Bank, ZAO Registration Company “status”, by calling (495) 974-83-47 or by e-mail.

In order to prevent possible fraud against the owners of shares of Company employees “Status” conduct additional testing of persons carrying out transactions with shares by proxy.

For the convenience of shareholders, and calculate the present value of the package owned shares of the bank publishes daily information on market prices of its shares on the official website of the bank.

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In the presence of Transport Minister Igor Levitin signed the act on the financial closure by the Federal Road Agency (Rosavtodor “) and the project company” North-West concession company and the application of the act – the loan agreement between the Savings Bank of Russia, Vnesheconombank and “North-West concession companies” (”Concessionaire”) to provide credit to the concessionaire for the project.

in the signing ceremony was attended by Director of the Federal Road Agency Anatoly Chabunin, President, CEO Savings Bank of Russia Herman Gref, Chairman of the State Corporation “Bank for Development and Foreign Economic Affairs (Vnesheconombank)” Vladimir Dmitriev, Managing Director “Vince Konsesson Louis Rock Byurgar.

Terms of the loan agreements provide for the construction of syndicated lending highway Sberbank of Russia and Vnesheconombank in equal shares for a period of 20 years, which will be implemented Ltd North West concession companies “- the winner of the concession tender for the right construction and operation of highways.

Main actor Project – French corporation “Vince Konsesson, a world leader in concessions, construction, and its related services. as legal advisor to banks for the project was the law firm Freshfields Bruckhaus Deringer.

addition to the syndicated loan Savings Bank of Russia approved the provision LLC Northwest concession companies’ revolving credit line with a limit of 4.5 billion rubles for a period of more than 4,5 years, repaid from the compensation to the concessionaire of the budget paid for the value added tax in the implementation of the cost of building a road .

In addition, the Savings Bank is planning to take part in buying bonds of North-West concession companies “whose location is part of the developed Sberbank of Russia and Vnesheconombank project financing structure.

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State Duma will consider on second reading a bill providing for mandatory reporting by banks’ clients, working with ATM’s, about the size of the fee.

The bill’s authors note that the current system of payment services through ATM there is no information on the screen, as well as recording the receipt of the results of operations of the fee banking services, regardless of the ownership of credit cards. This is unacceptable, especially in the financial crisis, where banks recently raised the cost of the commission is 2-3 times compared with 2008 and did not inform customers about this. The bill solves this problem.

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now at work on its upper ceiling of the commission for clients CJSC Investment Company “Finam” is 0,025%, lower than the upper limit of the tariff plan established for other Russian trading platforms. The minimum fixed charge for the transaction in this case no.

RTS Standard – the stock market, aimed at a wide range of participants and embodies all the latest stock market world-class technologies. Mechanism of trading in RTS Standard does not imply the availability of 100% of assets at the time of the transaction, and fulfillment of obligations occurs on day 4. Traded Instruments – 22 most liquid shares of Russian companies. The market RTS Standard has a mechanism of trade shares and derivatives (futures, options) in one system.

to work on the RTS Standard, a special non deliverable trading scheme, which gives several benefits for active investors. For example, customers’ FINAMa “in the context of this model have the opportunity to avoid the additional cost – in this mode, no motion in the custody account, and, accordingly, no fees for depository services. Daily Automatic Rollover allows you to select the optimal time for the transaction. In this case the trader has the opportunity to enter the delivery, filing request for a specific paper.

Cost optimization is not limited to tariff reduction – clients of the company enjoyed a broad line of free services, which include, for example, providing software QUIK-Broker for access to stock exchange trading systems over the Internet.

In turn, made a step toward customers and the RTS stock exchange. From April 1 to June 30, 2010 CJSC “RTS Clearing Center” does not charge the client 120 rub. for opening their own or client sections of clearing registers. Accordingly, opening accounts in the RTS Standard is currently free of charge for customers Finam, which also reduces costs for initial work.

«RTS Standard – a dynamic market which provides additional opportunities for efficient investment. And our task as a broker – to ensure the most favorable conditions for trade customers to provide not only attractive, but the most attractive tariffs to help generate additional revenue and reduce costs. It’s part of the company’s strategy, for many years relies on client orientation. We steadfastly follow this strategy for over a decade and a half and are not going to abandon it. In our immediate plans – development of new proposals for investors, such as those associated with access to the leading foreign exchange “, – said director of the department customer service brokerage ZAO Investment Company Finam Denis Kolousov.

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In the calculation of Stoxx Europe Christian Index now includes 533 companies, sources of income which correspond to the “values and principles of the Christian religion.” Among the companies included in the calculation of the index, there are BP, HSBC, Nestle, Vodafone, Royal Dutch Shell and GlaxoSmithKline.

Europe’s first Christian Stock Index was launched on Monday in response to growing investor demand the so-called “ethical action” after the financial crisis.

Index Committee, which includes the Vatican and representatives, selected for a Christian index stocks included in the Stoxx Europe 600 Index.

new index that is calculated in two versions (at prices and on net income) and is calculated in euros and dollars, will serve as a benchmark for the funds to help them assess investment results.

As the newspaper notes, the demand for “ethical funds” in recent years has grown due to increased worries about the environment, and uneasy about how some financial institutions made money during the crisis in the subprime-mortgage market.

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