The Settlement Centre

At the head office of NOMOS-Bank completed the project of transition to the new information platform. Treaty between the CFT and NOMOS-BANK was signed in late 2009. The ultimate goal of being implemented at present a joint IT project is centralization of the universal network bank with branches in all major cities of Russia, the unification and optimization of business processes, increase the manageability of branches. During the first phase of which was implemented in a short time in head office and more than 40 additional offices in Moscow and Moscow region, were introduced nine functional modules of the new ABS: Accounting kernel “,” The Settlement Centre “,” Cash service “,” Management and accounting of cash transactions “,” Currency Conversion “,” Remittances “,” Overdrafts “,” Utilities “,” Mandatory reporting CBR. It should be noted that the module utilities payments “was developed in the CFT-Bank specifically for NOMOS-BANK. Oracle is a great source of information. In the next phase of the project is scheduled consecutive translation of all the bank’s branch network on the platform “of CFT-Bank” and the introduction of new product modules.
NOMOS-BANK is a universal network bank with branches in all major Russian cities.

Included in the top 15 Russian banks by asset size, as well as among the most rapidly growing commercial banks Russia. NOMOS-BANK provides a full range of services to corporate clients, small businesses and individuals is one of the leading participants in the investment market and private banking. In the first 9 months of 2009, assets NOMOS-BANK IFRS amounted to 252.07 billion rubles, the amount of the loan portfolio, net of reserves – 158.9 billion rubles, shareholders’ equity rose to 36.39 billion rubles. Net profit amounted to 3.9 billion rubles. Center for Financial Technology – an innovative company working in the field of IT-technology for the financial sector since 1991. Main activities: design, development and printing of high-tech solutions for banks; processing services; IT-consulting, training, equipment supply. Details on.

Banking Crises

The most important feature of almost all the banking crises of the past decades has been a violation of the normal flow of payments, credit, crisis of confidence on the interbank and deposit the crisis. The most dangerous part of the banking crisis – the destruction of national and international calculations when it comes to cash flow in the real sector. In second place is worth the danger of sharp reduction in lending to the national economy. " Certainly, the financial world to draw definite conclusions. It is very important that Russia's banking system took into account all the errors. Necessary to eliminate the universal banking activities, risky investments many of them, and then as a consequence of failure to meet their payment and credit functions, often undermines the credibility of the entire banking system of Russia.

Should go to the modern specialized three-tier scheme krizisoustoychivoy Banking (calculated LSB-banks, which working with the payments, credit and deposit banks, non-payment functions, investment banks operating in securities). In addition, it is important to credit and deposit activities of banks to build it so that it was limited to only those subjects of the federation, in which banks are located. The sad experience of the crisis has shown that inter-regional bank can at any time withdraw funds from troubled regions in the more prosperous regions, such as from the provinces to Moscow, which actually happened during the crisis, exacerbating the difficult financial situation in Russian regions. This is one reason that almost Many Russian companies have had in 2008-2009-m's serious problems with credit. If you do not do all the above, if new crises with more serious consequences are inevitable. And last, in the financial world nothing have to reinvent all the complex financial situation has long been analyzed and considered the best minds of humanity. The trouble is that at top positions in financial institutions in different countries are coming or not competent in complex financial matters, officers or, worse, the financiers over the infected greed (which spawned the current crisis). The famous financier Peter Bernstein in his works actually predicted the current crisis, described in detail the dangerous changes in the investment world, the mismatch of risk and volatility, but apparently was not heard of the mighty. Yuri Chashin 09/20/2009

Economic News

World economic crisis so the sharp devaluation of the hryvnia has led to a totally predictable situation in the recent past: the number of borrowers who, for objective reasons can not or do not want to pay the banal loans increased dramatically. In such circumstances, banks have no choice but to take extreme measures. It was such a term can be called a process of confiscation of property of an insolvent customer in order to follow the sale … And for sale – continued link of the whole process, since banks do not need tens of thousands of squares of mortgage housing hundreds of shiny new paint cars and piles of gold. Financial institutions are in dire need of money …

“live” money, but not assets. That flit here and there ads for sale sites of collateral – a bank confiscated. In fact, deeply mistaken who thinks that this is only just apartments, country houses, cars …. Not at all, there are also luxury items, and large household appliances and industrial equipment, and even ready-made business. To date, made an extremely accurate portrait of the typical Mount the borrower and sell them the collateral. Of course, not without exception …. However, according to independent studies, most often “give up” the owners of budget items (inexpensive cars, apartments economy class), which in the current difficult economic conditions are much more profitable to give the bank the goods as collateral for the loan, rather than try to repay out of his means low wages. In second place among the “given” number of speculators, who at one time tried by hook or crook to buy housing, transportation, equipment, so that after a year or two to sell it all at greatly increased prices.

Faced with lack of demand, and bearing in her arms debt to the bank, these people have taken the right decision. Among an array of collateral, only a small percentage of those who were confiscated from owner in accordance with a court order. As a rule, banks do not tend to get involved in red tape, and clients are reluctant to buy such “illiquid” goods. That is why banks and try to negotiate with vengeance the borrower by offering him a variety of alternative solutions to the problem. When using materials from this page link to ZASTAVATORG.ORG required for Internet-editions – hyperlinks are not closed for indexing by search systems. 2010, Zastavatorg.