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that SKB-Bank has made such a proposal to clients, said in a report Sverdlovsk Rospotrebnadzor. Besides the autumn of 2008, called SKB-Bank’s borrowers (including those entered into an agreement with the terms of a unilateral change in rate), received a letter «increasing interest rate and monthly payment» of credit.

The bank sought to borrowers with such a proposal, reiterated his manager: «The majority of our contracts were not relevant item, we have it [the fall], when the redemption of loans AHML has failed». The rate on the mortgage was increased by 2-3%, said the fall in call-center bank. The payments, according to an interlocutor «Vedomosti», increased «slightly», for example, from 30 000 to 34 000 rubles. Of the 500 million rubles. mortgage portfolio of the bank, he said, translated to the new conditions of 150-200 million rubles.

If the contract provides for the right bank to unilaterally change the rates without the consent of the citizen to increase the rate obligations are stored in original form, it is noted in the record Rospotrebnadzor.

Manager SKB-Bank is acknowledged. When asked why, many have agreed to new conditions, he says evasively: «It seems that they are not all that bad». The bank, he said, had warned the client that the loan with the old rates will likely be sold to outside investors, besides all those who refused, the bank «fixes for the future», and on this basis will decide whether to respond to his requests (which He did not say) in the future.

Bank has the right to revise the rates, usually in two cases, said the retail business unit zamrukovoditelya Alfa Bank Il’ya Zebari: with a significant decline in the value of the collateral or if the borrower was unable to verify income, sufficient to meet obligations. You can appeal to delay, unrenewed insurance, but it can be challenged in court, added the head of retail banking unit Russ Basil Palatkin.

At the rate increase could accept clients who have overdue payments, said President of the board Bar «Barshchevsky Partners» Samvel Karakhanyan, some banks are in such a case, offering a choice: early repayment of a loan or a rate increase – if the client is committed, there is no reason to accept the increase. Perhaps, they suggested some conditions from which they were unable to refuse, or misled, he discusses: «In any case, is poaplodirovat borrowers, who extended a helping hand bank, philanthropy clean water!»

in SKB-Bank declined to comment, its main shareholder – Group «Cinar» had not responded to the request.

Despite the decline in interest rates and to prevent the Central Bank on possible sanctions against the bankers, unnecessarily increasing the rates on deposits. According to the DIA, from January to May, average rates on deposits in the one hundred largest Russian banks increased from 12,8 to 14,1%.

Yesterday zamgendirektora DIA Andrei Melnikov said that the average rate on deposits in the one hundred largest Russian banks increased from January to May from 12,8 to 14,1%. «The seven banks have witnessed a major deviation from this average value in a great direction», – quotes its words said.

earlier by the DIA stated that the first quarter of the average annual rate of deposit 200 largest banks rose from 12 to 14.3% (see RBC daily from June 10), while projecting a further increase in profitability of investments. «I can not explain what caused the difference in the data – said yesterday RBC daily Andrei Melnikov. – Maybe the fact that it still goes on the different groups of banks ».

Meanwhile, back in March, Deputy Chairman of the Central Bank called for bankers to conduct a more balanced policy in the formation of interest rates on deposits and DIA approached the Central Bank to offer check credit organizations, which offer investors more than 17% per annum. «This work was carried out, but we do not formally announce», – commented Mr. Melnikov.

Despite warnings regulator and the policy of reducing interest rates (remember that in this CB was three times reduced the refinancing rate, the last time on the 0.5 percentage point in early June), the deposit continues to race. For example, in June, rates on ruble deposits increased VTB 24 and the National Reserve Bank. In doing so, bankers increasingly offer deposits, interest payments on that in the event of early termination of the contract the client saved.

Analyst Bank «CIT Finance» Maria Kalvarskaya said that raising the rates on deposits in individual banks can hardly talk about market trends. «Now the situation with liquidity in the market is not so acute, so many banks refused the aggressive policy of attracting private investors», – noted Ms. Kalvarskaya. As for the major banks, she said, the rate of return on deposits, there was lower than that of the smaller players, because their actions can be described rather increase the attractiveness to customers.

Credit Suisse estimated the delay

Yesterday INVESTBANK Swiss Credit Suisse said that the level of default on loans in the Russian banking system, a minimum of 13% (including restructured loans – about 9%) of the total loan portfolio, said in the review of the bank. As the bank’s analysts, the problem of non-credit will become more apparent in the second quarter of 2009 in connection with the current lag of corporate default. The paper noted that the reported low level of problem debt did not reflect the real picture, especially with regard to the assessment of that debt to the requirements of the regulator (4% in April).

Recall that the previous day Head of the Central Bank Sergey Ignatiev said that the share of overdue loans on non-financial organizations increased in May to 4.4% of the loan portfolio from 3.98% to 569 billion rubles., loans natural persons – up to 5,47% from 5,1% , to 204.5 billion rubles. At the same time Sergei Ignatiev believes that by the end of the year the share of overdue debt is not out on 12%.

U.S. measures taken by the authorities to overcome the economic crisis create the preconditions for inflation in the future, says the head of Berkshire Hathaway Warren Buffett. In an interview with CNBC television, he said that so far sees no signs of recovery of the U.S. economy. At the same time, Buffett generally positive evaluation of the activities of heads of the Fed Ben Bernanke and the Minister of Finance Timothy Geytnera, believing that the best way to deal with the crisis still think it was impossible.

«All our actions greatly increase the possibility of significant inflation in the future », – said Warren Buffett. Although the billionaire said that the risk is not reflected in this, not in the next, and even in 2011, steps to prevent it must be now. He also noted that increased the likelihood that after ten years the purchasing power of the dollar will fall sharply.

Unlike the legendary investor, government analysts are more optimistic. On Wednesday, Committee on the open-market operations the Fed, on the basis of their meeting noted signs of a rapid end to the recession. However, the key interest rate once again left to the historical minimum in the range of 0-0,25% per annum. The Fed is no longer worrying probability of deflation in the United States that pose a threat to economic growth, but also a sign of serious inflation in the short term, does not see. The statement pointed out that inflation is «for some time would be slight in nature». In this regard, the Fed is not going to abandon the ambitious program of economic assistance. Central Bank, in particular, has promised to adhere to previously approved plan to send U.S. $1.45 trillion at the problem buying mortgage securities, and 300 billion dollars to purchase long-term government bonds.

Partners rely on credit VEBa (applied for 2-2,5 billion rubles.) and the support of the Ministry of Culture, which until 1 January 2010 should be sent to the Government their proposals for the development of movies.

Just Bekmambetovu lord and his company Bazelevs belongs to “a significant proportion of the” Movies 1080 “confirmed” Kommersant “Managing Director Bazelevs Nikita Trynkin. Other co-sponsors are LLC “Kinomedia (specializes in the reconstruction and modernization of cinema) and” Batyr Holding (owned recreational complex “Batyr” and the cinema “Illyuzium” in Naberezhnye Chelny), said Director of Cinema 1080 “Vladimir Samoilov.

director “Kinomedia Igor Kiselev confirmed participation in the project. Chapter “Batyr of” Bulat Yanborisov yesterday, was unavailable for comment, but according to the ЕГРЮЛ, he himself also is one of the co-owners Ltd. “Cinema 1080″ together with the Lord Samoilovs and Kiselev.

” Cinema 1080, established about a year ago, will develop a network of digital cinemas in cities with a population of 10-50 thousand people, announced at yesterday’s parliamentary hearings in the State Duma Vladimir Samoilov. Plans – 2 thousands of digital cinema. Cinema will be showing mostly Russian cinema – it takes at least 50% of their repertoire.

project could become a co-investor VEB – currently being negotiated with the bank for a loan in the amount of 2-2,5 billion rubles. argue gentlemen Trynkin and Samoylov. Estimated Payback period can be five to seven years. In VEBe yesterday from the official refused to comment but a source of “Kommersant”, close to its supervisory board, knows about the feature films. He noted that in its consideration of a loan “Cinema 1080″ is not made, the earliest council meeting is scheduled for late July and the agenda has not yet been approved.

to interest potential investors in the project is needed support for the Government, acknowledged Mr Samoylov. “This is a potential preferential loans, the release of the investment projects of social value from taxation, the joint exploitation of public property, etc., – he explained. Ministry of Culture has developed a program of digital movies in cities with populations of less than 500 thousand people, which includes the possibility of public-private partnership (see “Kommersant” on 16 February). According to the expert-analytical department of the Department of Cinematography of the Ministry of Culture Alexei Sohneva, Government ministry assignment to develop until 1 January 2010 proposal for the development of movies in Russia, including a network of cinemas in small towns.

Previously, to build a network of cinemas in rural areas “the company planned to” Karo Film “. Member of the Board of Directors of the “Caro” Alexei Ryazantsev said that the project was not implemented due to lack of state. On their own means of complexes Kinositi “with a digital cinema demonstration in small towns is beginning to build a consortium of investors, including founder Kronwerk Cinema” Edward Pichugina, director of STV Selyanova Sergei and Fyodor Bondarchuk. “In different regions, we already have land and agreement on the construction”, – says Mr. Pichugin. According to him, the project Kinositi also entered fund Andrei Konchalovsky. Mr. Konchalovsky yesterday refused to comment on the phone.

“Now there are 1,926 cinemas, and still needs to be 700. To all of them translated into a number, you need 7 billion rubles. But after a seven – eight years, taking into account the savings in printing analog Distribution (annually in Russia to do so spent some 1.8 billion .- “Kommersant”), these investments will pay off, “- looks director of Nevafilm Oleg Berezin.

In the second half of 2009, the Agency for Housing Mortgage Lending (AHML) may double over the first half of the volume of refinancing a mortgage in a bank balance, or to significantly reduce them. It depends on whether AHML attract debt market funds under its own bonds.

Yesterday, the Supervisory Board approved the AHML optimistic and pessimistic versions of the business plan for the second half. Fully AHML the contents of the document does not disclose, with reference to trade secrets. In an official communication AHML detail only optimistic variant of the business plan for the second half. According to him, the refinancing of banks alive money reaches 112.3 billion rubles. at the end of the year against 84.1 billion rubles. at the end of the first half. Thus, if favorable to AHML developments in the second half AHML refinansiruet mortgage loans totaling 28.2 billion rubles. In the first half AHML entered into contracts with banks to refinance mortgages totaling about 14 billion rubles.

To implement the plan for doubling the refinancing of mortgage AHML intends to use the five sources of funds. This is 30 billion rubles. last year’s contribution from the state in the authorized capital AHML (a total of 60 billion rubles.) that were not expended in the first half, the Government promised an additional contribution to the charter capital of a further 20 billion rubles. approved credit line VEBa by 40 billion rubles., funds from placement of corporate bonds AHML with gosgarantiyami at 28 billion rubles. and three issues of mortgage bonds AHML to 16.5 billion rubles.

pessimistic version of the business plan will be implemented when it is not possible to attract funds from the placement agency, said in his message. As explained by “Kommersant” Director of Communications Department AHML Anna Yartseva, the realization of a scenario would depend on the state of the economy and market. “We expect that implementing an interim scenario, closer to the optimistic,” – she said.

greatest difficulties arise with the placement of mortgage bonds AHML, predicts one of the members of the supervisory board of the agency. “AHML counts on pension funds of Russia, and to implement these calculations mere amendments to the RPF investdeklaratsiyu little extra money from the fund is not” – he said. Receive funds under corporate bonds AHML find it easier to agree to another person “Kommersant” in the supervisory board of the agency. For this AHML intends to sell its own securities in the Central Bank repo transactions through authorized banks or exchange them at banks, mortgage bonds, which, in turn, will be able to get them under the pawn-shop credits.

How to change the amount of refinancing in the case of the pessimistic scenario, the agency did not say. Source of the Supervisory Board points out that in the worst scenario the amount of refinancing in the second half may reach 11 billion rubles., That is almost three times less than in the optimistic scenario, and a quarter less than in the first half. “Pessimistic scenario assumes a partial compensation for reduction in mortgage refinancing alive by the exchange of money for banks on corporate bonds and mortgage bonds AHML”, – told “Kommersant” Member of the Supervisory Board, Member of the MICEX Vladimir Gusakov. This mechanism provides an opportunity to refinance a mortgage in AHML including banks, are not working on standards AHML.

However, market participants are skeptical received both a business plan. “Given that the amount owed on the mortgage loans of approximately $1 trillion rubles. Allotted amount negligible and would only partially solve the problems of the AHML arising from the sharp deterioration in the quality of loans on the balance sheet of banks-partners”, – said Deputy Head of unit ” Retail business of Alfa-Bank Il’ya Zebari.

Sberbank displays the work with problem loans in a separate unit, reporting directly to the President-Chairman of the Bank Herman Gref. The bank thus expect to reduce the amount of arrears, which has a “significant impact on the economy of the bank”.

That Sberbank radically alter the organization of work with problem assets of the credit customers and yurlits established a specialized office, “Kommersant” reported its director Svetlana Sagaidak. Previously, she led the administration to work with small and medium business and the Savings Bank, before that worked as well as the Deposit Insurance Agency and the Agency for Restructuring Credit Organizations in the position of deputy director of asset management department. Sberbank’s new unit will work with the problems of credit particularly large and complex projects. Need to optimize with bad debts in Sberbank explained their “significant influence on the economy of the bank”.

volume of credits that can be transferred to the management of Sberbank did not disclose. According to a Russian bank accounts at June 1, the total amount of overdue loans has increased over the month by 4% to 143.2 billion rubles., And reached 2.6% of the loan portfolio. Growth delay in Sberbank falling – in February, it increased by 18,1% in March – by 14% in April – on 5,7%. At the same time decreasing and the pace of reserve for possible losses on loans. In April, for these purposes has been deducted 32 billion rubles., In May – 18 billion rubles., June 1, reserves amounted to 364.6 billion rubles. “The slowdown in growth delay and reserves attributable to the restructuring of loans, – the analyst considers” VTB Capital’s Michael helmet. According to a member of the board of Sberbank Anton Morozov, in the first quarter of the proportion of restructured loans is 5% under IFRS at the beginning of the year – 1,8%.

Earlier work with problem loans was administered Security Service Bank. Now the Bank formalized work with them and classifies them as “potentially problematic, problematic and hopeless.” “The Security Service, yurupravlenie and other entities will participate in the work with them to the extent of their competence, – said Svetlana Sagaidak .- It will be broadcast every problem bank loans.” Middle benchmark for credit transfer to the government will delay for at least 15 days.

“separate unit of work with problem assets is in the Russian” daughter “of foreign banks, where the structure is subject to a vice-chairman, focal risks, either directly to the chairman of the board, “- explained Deputy Chairman of Barclays Bank Eugene Retyunsky. Derivation of critical assets in a separate unit will help to improve the economic efficiency of delay, confident member of the board of Raiffeisenbank Andrey Stepanenko. “The Security Service can work effectively to recover the debt if the borrower’s bad faith, – said Mr. Stepanenko .- Now Sberbank accounts primarily engaged in debt restructuring, as it must first deal with economists.” According to bankers, are now “living money” is not extinguished more than 10% of all corporate debt, the rest are various options for restructuring and rollover.

Sberbank optimizes the work with the delay, fearing it increases by the end of the year , considered the experts. “Obviously, Sberbank expects growth delay on corporate autumn of this year – I am sure Michael helmets .- By this time, for example, suitable maturity of loans, which companies are actively taking the first and second quarter of last year”.

“five” closed the British Royal Bank Of Scotland and HSBC. And yet last year was the first line.

The biggest losses last year, suffered a Royal Bank Of Scotland – nearly 60 billion Citigroup has lost 53 billion dollars, Wells Fargo – 47,8 billion U.S.

the global banking industry profits fell last year to 781 billion dollars to 115 billion dollars, while revenues from the shares fell from 20 to 2.69 percent.

strengthen the position of JP Morgan Chase, holding a year ago, the fourth position in the list, helped sink them in the past year, banks Bear Stearns and Washington Mutual. Bank of America managed to hold down a list of the top due to the absorption of investment bank Merrill Lynch.

Of the Asian banks most stable proved to Japanese Mitsubishi UFJ, занявший 7 th place. He pushed for the eighth Trade and Industrial Bank of China / ICBC /. However, it is the Chinese bank was in the classification of the most profitable magazine in the world, earning U.S. $21.3 billion second return was also a Chinese China Construction Bank – 17,5 billion dollars This is followed by Spanish Santander – 15,8 billion dollars, Bank of China – 12,6 billion USD and the Spanish BBVA – 9,6 billion British HSBC and Barclays, respectively, earned 9.3 billion and U.S. $8.9 billion

If you are not satisfied with a minimum agree – the CIA could offer you a special mission! The motto of the U.S. secret service recruits in the state of economists, financiers and entrepreneurs. In fact, that people cast for the highly paid positions in the intelligence service – no one expects. Target audience appeal – and talented, but they find themselves unemployed as a result of the crisis businessmen. The average salary of professionals in the citizen – from 48 to 95 thousand dollars a year.

In CIA talented analysts are willing to pay large sums even if they are able to prove its usefulness. It’s expected that economists can help to monitor the financial transactions of terrorists. Head of Center for Military Forecasting Anatoly Tsyganok in the ability of bankers to such kind of activity – no doubt: “I think that, in principle, the analysis is quite manageable. That Intelligence analysts. They can take into account all crisis situations. Why has organized a crisis, where, what causes went that this was followed, and when, and then made the usual analytical findings “.

The first CIA recruits economists familiar with the economies of China, the Middle East and South Asia. Soon may be experts in the field of Korean financial flows – the American media joke. However, to fully feel scout bankers will not, believe experts. Max, what they can expect – the role of assistants, with these agents, with Maître Intelligence /, said in an interview with Business FM deputy chairman of Bank Home Credit and Finance Bank, Vladimir Gasyak: “The banking business is strictly American registered. More often than not, bankers, accustomed to the standards. And therefore to say that they are so unusual to think – maybe not. Although, of course, I think that they are more useful, in fact, to help professionals understand the various financial schemes. They in the specialists, they can suggest any real intelligence officers, which way you can continue to spin “.

Despite the relatively modest role in the exploration of wanting to try their roles in a secret agent – no retreat, claiming the CIA. Only six months in the administration has almost 200 thousand workers from the summary of the financial sector. And the popularity of the vacancy can be attributed to not only a decent salary and benefits, experts believe. Served in the exploration can yield many useful links, which, after the end of the crisis, will help restore his career in the citizen.