Citibank: Izibuyekezo ikhasimende

Iminyaka yokuqala ngemva kokuwa kweSoviet Union, kuphawulwa ukuvela lenqwaba izikhungo ezahlukene yasebhange. Esinye sazo kwakungu-the Kuvaliwe Joint-Stock Inkampani "Citibank", amazwana kusukela ochwepheshe okuyinto ukubikezela kuye ikusasa yimpumelelo. Lokhu isikhungo sezezimali yasungulwa ngenxa osizayo we-American Citygroup iqembu zezimali. Namuhla ibhange unesikhundla aholayo phakathi elikhulu izinhlangano ezinjalo WaseRussia, futhi isekelwe ngokuphelele dolobha angaphandle.

Citibank, okuyinto igatsha zingatholakala emikhawulweni yonke yakwa-Russia, inethiwekhi igatsha iyingqayizivele ngempela. Lokhu isikhungo sezezimali has angaphezu kuka-50 namahhovisi ayo futhi 600 ATM, it is ikakhulukazi wahlanganyela Ukukhishwa labantu Russian Federation, ukubolekisa umthengi kanye namakhadi.

Citibank, okuyinto libuyekeza kalula itholakala ku wabezindaba kanye ukuzwa ezivela kubangani, wahlanganyela hhayi kuphela uboleka labantu, kodwa futhi:

• ethola imali;
• nokugcinwa iklayenti akhawunti;
• imisebenzi ehlukahlukene izibambiso izimakethe;
• Ukukhishwa amakhadi okukhokha.

Ikhasimende isizinda, okuyinto uqhosha lokhu inhlangano yezimali namuhla has ngaphezu kwesigidi ngabanye kanye ngamunye isikhathi ukubika waphawula ukwanda lokhu sibalo.

Kuyo yonke imizi abasebenzi kwenhlangano "Citibank" (eMoscow iyathinteka) ukuba enze inkonzo yayo ukugxila usebenze namaklayenti yangasese, okuyinto athuthukiswe futhi enikeziwe anhlobonhlobo amasevisi ebhenki. Yokuziqhenya ikakhulu abasebenzi yenkampani wuhlelo eziklanyelwe lomthengi credit, okuyinto hhayi kuphela ethandwa kakhulu kodwa futhi enenzuzo kakhulu inhlangano. Citibank, ukubuyekezwa zazo zingatholakala okuhle nokubi, inikeza imvume imalimboleko ngosuku olulodwa futhi ayidingi ukuthi ngabe iphakheji elikhulu kwemibhalo, iziqinisekiso, noma into eseduze.

Olunye uhlobo ethandwa umthengi abolekise is klamo amakhadi epulasitiki. Ngosizo lokhu elula ithuluzi amakhasimende njalo kanjani imali eyengeziwe. Isikhathi plastic izinsuku zekhalenda 50 kusukela ngosuku zokugcina sekubika. Lokhu kusho ukuthi uma umbiko wokugcina kwaba usuku 1st of, ngisho uma imalimboleko sathathwa Ngomhla ka-20, lo muntu obolekayo kumelwe abuyele imali ngaphambi 20th lwenyanga ezayo, ngaphandle kwalokho isithakazelo uzoqala ezicela ku indlu yakhe. Izinga lenzalo yemali mboleko emalini ebolekwe ixhomeke ngamunye, kodwa ngokuvamile imayelana 40% ngonyaka.

Ngaphezu abolekise, Citibank, ukubuyekezwa zazo wayibiza ngokuthi izikhungo zezimali esitebeleni kunazo eRussia, inikeza yayo amasevisi amakhasimende lokutshala izimali. Ngaphezu kwalokho, inikeza kungenzeka ukubeka ukonga abantu securities engenayo esinqunyiwe. Futhi uzinake uhlelo nokubekwa iminikelo mutual funds omhlaba.

Amaklayenti lenhlangano zinikezwa nazo zonke izinhlobo ezinkulu umshwalense kusuka ehola izinkampani izaphulelo uma bekhokhela cashless izinkokhelo kuleli zwe lenqwaba ezitolo nokunye okuningi.