"Kukhula Bank": ukubuyekezwa. Ukubolekwa kwemali, imali, amagatsha

Izwe lethu has lenqwaba amabhange - kokubili ezinkulu kakhulu futhi incane kakhulu, kancane-eyaziwa. Nokho, ukubaluleka akuyona njalo kube inkomba yokuthi engcono inkonzo, amabhidi yokuncintisana futhi izimo, nakuba ukubeka eceleni kwakungenzeka lokhu. Abantu abaningi, uma kunqunywa kukhethwa isikhungo credit, kubuswa "igama" yalo, ukuthi waziwa. Nokho, lena akuyona indlela engcono. Ngaphambi abe ikhasimende ye ebhange, kufanele uhlole ukuthi yini ngokucophelela zonke ezicashile esebenza naye, ukwazi ukukala, funda ukubuyekezwa zalabo abaye esetshenziswa amasevisi ayo. Kulesi sihloko, siphakamisa ukuthi uzijwayeze inhlangano "Ukukhula Bank". Ukubuyekeza, izilinganiso, ngokuya ukubolekisa kanye imali, kanye neminye imininingwane ebalulekile ukuze engicabanga ukuthi angaba yikhasimende, uzobe ehlongozwayo kanye esikalini kuhanjiswa yayo. Ngakho, siqala sokumazi.

On ibhange: umlando

OJSC "Bank of Growth" kuletha indaba lamabhange ezimbili, okuyinto akhiwa ngokuhlanganisa inhlangano amasha esikweletu elinegama elifanayo. Ekuqaleni, kwaba khona ebhange "Kazan ', esasivutha emakethe kusukela 1994. Kulapho-ke umnikelo kuqala futhi wadala ukwehlukana yasebhange okudayisa wavulwa. Ekuvulweni inhlokodolobha ogunyaziwe inkampani zaba ama-ruble ayizigidi 100 kuphela, futhi ngosuku ukubusa umiselwe ruble 1,675 bhiliyoni.

Kuyo yonke le minyaka, ibhange yaguqulwa isitokwe inkampani ngokuhlanganyela njalo athuthukile, okwandisa izimpahla zayo, wandisa inethiwekhi amagatsha namahhovisi ezweni lonke. Wacabanga indima "ekungeyona eyakhe umzali", anamathisela okuhlangene isitokwe yasebhange "Ukukhula" ngo-June 2013, lapho ngaleso sikhathi wayegunyaze dolobha e inani ruble 2.375 billion no ruble 30 billion amafa. Lo mcimbi kwaba okubaluleke kakhulu ekuphileni zezimali yezwe - kwamiswa, ukuzinza ngobukhulu futhi enamandla ngempela of credit izikhungo nge inxanxathela ebanzi legatsha futhi sokusebenza kwezimali umxhwele.

Bank namuhla

Sesikweletu "Bank Ukukhula" usebenza ngaphansi kwelayisensi jikelele Bank of Russia ku yoke imikhawulo yezwe indawo ehhovisi ikhanda eMoscow. Sici Its ehlukile isu ezinengqondo olandelanayo elihlobene ne umsebenzi kuphela zomnotho kanye Umthombo oyinhloko wemali ubulokhu ihlala lo amakhredithi wamabhizinisi komkhakha, kanye nezinsiza. Nge nokuhlanganiswa yamuva capital kanye nempahla beBhangengodla lakhuphuka yayo amathuba okuxhaswa ngezimali kanye loans ukuhlinzeka. Ngokusho isitatimende yinhlangano credit ukubaluleka kwalo eyinhloko izithakazelo kanye nezidingo zamakhasimende, futhi zonke izinhlobo zobuhlobo zisekelwe nokubambisana eside. A inzuzo enkulu, futhi kuba ukuziqhenya nokwethenjelwa, kungase kutholakale eminyakeni.

Umzuzi eyinhloko ebhange okwamanje imele Elena Vlasova (emuva 2012 litholakala omningi walo ukwabelana "Kazan '), engabanikazi bephephandaba cishe 50,5% wamasheya. Zonke ezinye ingxenye enkulu ezandleni ezinye bamasheya ezine - Anatoliya Zolotyh futhi uValentina Aleksashin (cishe 16,6%), Elena Tarasova no-Elena Kossovo (8% ngalinye). UMongameli we yasebhange Artem Henkin, nosihlalo ibhodi yabaqondisi - Vsevolod Morozov.

"Ukwanda yasebhange" igcina umlobeli ubudlelwano Russian ezinkulu ( "Rosbank", "Uralsib") kanye angaphandle (Commerzbank, Dautsche Bank, VTB Bank, kanye nabanye.) Umthombo izikhungo. Iyilungu we-Association of Banks isiRashiya, YaseMoscow izinhlangano zamazwe ngamazwe engokwezimali e ngidayisa exchange angaphandle emakethe Zao "MICEX Stock Exchange" futhi OAO "eMoscow Exchange".

Isikhundla nezilinganiso yebhange

Namuhla JSC "Ukwanda yasebhange" ungaphakathi TOP-100 ngobukhulu Russian izinhlangano credit. Lokhu kuqinisekisa ebaluleke kakhulu ukuthembeka ubufakazi besikhundla yebhange ukuhlangabezana nezidingo amakhasimende ayo 'esikhathini nezinsiza zezimali kanye credit. Okufakiwe lenhlangano kulolu hlu ngenxa eziningana izimiso umsebenzi walo wansuku zonke:

• utshalomali abolekise izinqubomgomo sasivumela olandelanayo;
• ukusebenza ngokuyinhloko zomnotho;
• inhlanganisela indlela siqu emisha kwamakhasimende;
• ukutholakala kwemikhiqizo yasebhange kanye nezinsiza;
• ukuvulekela ophathina kanye namakhasimende;
• abanekhono ukuhlolela ubungozi.

Namhlanjesi, singaba uthaba ezanele loan iphothifoliyo nge izinga okuhle, ngenxa ukwenza ngokuvumelana nalezi zimiso amasu imiswe phakathi neminyaka engu-khona, "Bank of Ukukhula." Credit isilinganiso ewunikwe yiSigungu ejensi "Isazi RA" ngo-2014, ibuyekezelwe "A +" (eliphezulu kakhulu) ukuze "asathuthuka" kwezimiso nesimo sengqondo. Ngokusho Standard & Abampofu sika izilinganiso ebhange wathola eside credit isilinganiso of "B-" futhi short-term "C" nge "ozinzile" umhlahlo. Bobabili ejensi yazwakalisa ukukhathazeka izinga udumo iphothifoliyo lenhlangano omuhle, bakubheka njengobuthakathaka ngokwanele kakhulu. Lokhu kunikeza isizathu sokukholelwa ukuthi le nhlangano uzinzile futhi uthemba imali yakhe ngangokunokwenzeka. Abaningi benze iminikelo ngesikweletu noma aboleke imali ukwenza out in the amagatsha KO 'Ukukhula Bank ". Izibuyekezo Ochwepheshe ukubikezela ukuthuthukiswa owaziwayo kanye ehlelekile kwenhlangano kanye nokuqinisa isikhundla nezinsiza zezimali emakethe.

Ngokuthakazelisayo, ibhange isikhundla salo ohloniphekile ezindaweni. Ngakho, igatsha lenhlangano "Bank of Growth" (Rostov-on-Don) yaphuma phambili emncintiswaneni esezandleni ze-Isiqinisekiso Fund Rostov esifundeni. Wabamba ngo-August 2013 futhi kuye kwahlotshaniswa nokunikezwa Isikhwama iziqinisekiso kuleyo ayeyiboleke amabhizinisi amancane kanye naphakathi. Elilinganiswayo zenzalo, imigomo ukuthembeka izinhlangano ngokwabo. Ukunqoba kwaba isivumelwano inani ruble ayizigidi ezingu-20, lapho wathola "Bank Ukukhula" (Rostov-on-Don) I-siwela wemboni yangempela.

amasevisi Bank

Thanda iningi zokuthenga ngesikweletu, iBhange inikeza amakhasimende ayo uhla egcwele services zezimali ejwayelekile. Uthola "Bank of Growth" imali, inika ayeyiboleke amaklayenti ezizimele kanye zenkampani, amabhizinisi amancane naphakathi, inikeza ukuphathwa cash namasevisi esitokisini, inikeza iziqinisekiso, ukusebenza izinhlamvu wesikweletu, iholo ehola namanye amaphrojekthi. uhlu lwabo obugcwele ngempela ezibanzi. Ezinye zazo usebenza yonke indawo ezweni lethu elikhulu, amanye amasevisi athile zinikezwa kuphela 'Ukukhula Bank "-Moscow (isib, ehambisana ne-interbank abolekise).

ezithakazelisayo kakhulu yiwona amaningi izimo sabantu imali kanye namathuba obolekisayo. Kuyinto kubo sihlala.

Iminikelo: izinhlobo kanye nemibandela

Izinto Zibe Lula Futhi lula - zonke izici ezibalulekile imikhiqizo, ezihlinzekwa ngu "Bank of Ukukhula." Iminikelo - ubufakazi obuphathekayo balokho. Inhlangano credit, kunezinhlobo ezimbili eziyinhloko Investments amaklayenti ezizimele. It Silinganisa "ukukhula khulula" futhi "ukukhula esiphezulu." Ake sicabangele izimo ngamunye wabo.

khulula

Esokuqala uhlobo sikhwama "ukuvuza" ngenzalo yakhe. Kusho ukuthini? Lokhu idiphozi ivulekile ngokufunwa, kanye zokuqaleka akuphazamisi Isilinganiso senzalo. Ukuze ubuyekeze i-akhawunti, kanye lokufeza ukuhoxa, nganoma yingasiphi isikhathi. Okuseleyo ubuncane iqinile (10 ayizinkulungwane) futhi inzalo - phezulu ngokwanele ukuze lifake nezimo ezinjalo. Inani eliphelele le izinga - ruble ayizigidi ezingu-30, noma omunye esigidini sama-dollar (okungadingi kukhawulwe kungenzeka amakhasimende). Idiphozithi eside - kusuka ezinyangeni ezintathu kuya ngonyaka nge inketho eyodwa ukuvuselela inkontileka. Amaphesenti - lilinganiselwe futhi uzimisele kuye eside kanye nenani yokukhokha phansi (kufika ku 9.2%).

esiphezulu

Uma ungenalo ohlela imali ngesikhathi sanoma idiphozi, kuyoba usizo ukusebenzisa umnikelo "ukukhula esiphezulu." Ngokusho ebhange tariff unikeza le best interest rates ukuze ofeleba yabo. Ngaphezu kwalokho, kukhona izimo ezivuna ekunqanyulweni ekuqaleni yesivumelwano. Njengomhlaba langaphambilini, lo mnikelo Ungase futhi agcwalisa ngesikhathi ubuqiniso. Njengoba abantu abaningi ababebonisa isithakazelo kokuba afinyelele 10.5% in ruble 4.5% ngo izimali zakwamanye amazwe. Kukhona futhi umehluko okukhulu amanani kanye isikhathi. Ngakho, umnikelo ubuncane aphansi ruble 3000, futhi inkathi umnikelo sandisiwe isukela enyangeni kuya eminyakeni emithathu.

Isayithi has a Ukugunda wokubala yasebhange, lapho wonke umuntu uyakwazi ukubala iphesenti idiphozi, kuye ngokuthi lemali kuhlelwe futhi eside. Ngaphezu kwalokho, emabhange yebhange zinikezwa amathuba enkonzo ngabanye kanye kuqala. Eyokuqala inikezwa by imali isamba esingama-ruble angu-4.5 million futhi kuhlanganisa imibandela ekhethekile amasevisi ebhenki, umphathi siqu, amahhovisi VIP nokunye. Okwesibili - lapho umnikelo in inani ruble ayizigidi ezingu-1,5. Kuzo zombili lezi zimo, iklayenti uthola eningi izinzuzo limnandi.

Imalimboleko: imali

amaklayenti Private "Bank Ukukhula" inikeza ukubolekisa at isizumbulu kakhulu - kuze ruble abangaphezu kwezigidi ezimbili. Izizathu ukukhipha ukubolekisa lapha ezakhiwe abasebenzi kwenhlangano kanye ungaboniswa amazwi ezine:

• ngokwethembeka - ayikho imali ezifihliwe;
• inzuzo - aphansi kakhulu zenzalo;
• ngokushesha - ngesicelo isinqumo siyothathwa zingakapheli izinsuku ezimbili;
• nje - amaphasela imibhalo is zigcinwe zimbalwa (okudingekayo kuphela passport).

Ngaphansi kwamiphi imibandela zingalindela ababoleka bezikhali ebhange? Njengoba kushiwo ngenhla, esiphezulu loan lemali kuyinto ruble kwezigidi ezimbili, ubuncane - 30 eziyinkulungwane. Le mali ingase ikhishwe kuze kuphele iminyaka emihlanu (noma ukuholelwa bese kuba njalo ezinyangeni eziyisithupha). Kungenzeka befuna imbuyiselo ekuseni ngaphandle kwemingcele. Ezithakazelisa kakhulu - iphesenti. It ingafakwa ngesilinganiso esingamaphesenti angu-17%, okuyinto leliphasi kunaleyo imikhiqizo efanayo kwezinye amabhange amaningi. Annuity izinkokhelo, kanye usuku lokuqalisa ukhetha ngokwakho.

Nge imigomo waqonda. Manje kudingeka siqonde indlela ibhange ubona umboleki yayo. Izidingo ejwayelekile - yobudala engu-20 kuya 65, ukutholakala komsebenzi isipiliyoni okungenani izinyanga ezintathu, okungcono ubufakazi declarative imali (kwenyusa amathuba wesikweletu ukwamukelwa futhi ukuthola imali enkulu loan).

Auto Loans

Inguquko ngaphambili wesikweletu kulabo uhlela ukusebenzisa imali ngenhloso siqu noma eyasekhaya, ezifana uhambo kolwandle noma ukulungisa. Uma iphupho lakho brand imoto entsha, kungcono ukusebenzisa umkhiqizo okhethekile. I loan imoto ezikhangayo, ahlotshiswe 'Ukukhula Bank "? Izibuyekezo wabanikazi izimoto, ukuze usebenzise le sevisi, ichaza izimo elikhanyayo kakhulu ekunikezeni kwayo. Okokuqala, lokhu iphakethe ubuncane kwemibhalo (kudingeka ipasipoti isicelo kuphela ifomu) kanye nethuba lokwenza isicelo ngaphandle ukuvakashelwa ebhange. Okwesibili, ongaphakeme-isithakazelo - kusuka 8.9% ngokungabi bikho nezinye izimali. Inani okuyiwona ungalindela ruble abafika kwabangu-10 million, futhi leli gama lasebenza kuwo iminyaka 7! Kulokhu, kokucubungula isicelo sithatha amahora angaphezu kwamabili, eduze nakakhulu athandwayo ukuthenga umboleki.

Ukuze asebenzise loan, udinga ukuhlela umshwalense siqu (ezigabeni ezintathu), izakhamuzi isiRashiya, futhi kuze kube iminyaka engu-55. Ukuze lo mkhiqizo angathengwa izimoto kwezohwebo kanye nemishini ekhethekile.

abatshelekayo okungabizi

Namuhla, kunamabandla izinhlelo eziningana ezithakazelisayo ukuthenga izindlu, alinikela "ukukhula ebhange." Mortgage, ahlotshiswe sikhungo credit, nalezi zidingo ezilandelayo:

• lula;
• ukufinyeleleka;
• lula.

Ababoleka imali abahlela ukuthenga efulethini mortgage Kungenzeka ufanelekele ngesilinganiso 8.5% ngonyaka. Ngesikhathi izindlu ofanayo izakhiwo ezintsha enikeziwe 100% isitolimende ukwenza inkokhelo phansi. Njengoba kunjalo, avunyelwe ukusebenzisa inhlokodolobha womama. Ngo 'Ukukhula Bank "ababoleka bamenywa ukuba ahlanganyele esimisweni yesibonelelo sikahulumeni, phakathi kwawo -" abacwaningi Young "," Military Mortgage "nabanye. Kungenzeka futhi ukuthatha mortgage izinhlelo AHML. Noma yimuphi kuthengiselana uma iklayenti efisa ephelezelwa umphathi mortgage siqu.

Ukusebenzisa umshini wokubala ekhethekile kwi-website ye ibhange, kulula ukubala ukulinganisela ngaphambi izindleko ezihlobene ngokucubungula loan, kanye ufunde izinkokhelo eseduze nyangazonke kuncike eside kanye nenani loan. Njengoba isibonelo, boleko omunye izinhlelo ethandwa kakhulu - "nabadayisi". Lapho yentengo ruble 4 million, kanye inkokhelo yokuqala ka- 30% lemali waboleka imali azisizi ruble 2.8 million. Singene wokubala idatha, kanye nyangazonke okwedlulele engenayo emndenini - isibonelo, ama-ruble ayizigidi ezingu-80. Uma ukuhlela mortgage iminyaka engu-20, izinga kuyoba 13,35%, futhi ukukhokhelwa nyangazonke - 33,5 inkulungwane. Uma sisebenzisa kulesi simo, uhlelo isimo AHML, mortgage senzalo uzokwehla ukuba 11,85%, futhi ukukhokhelwa kuyehla kube 30 500. Ukushintsha idatha yoqobo, ungakwazi bazikhethele efaneleka kakhulu ngemigomo yekhredithi.

Credit card: Izici

Yikuphi yasebhange manje awakhiphayo ngamakhadi plastic? Cishe, akunakwenzeka ukuba enjalo ikhona. "Kukhula Bank 'Ubuye ngentuthuko yaso ezithakazelisayo kule ingxenye. Debit amakhadi zikhishwa, ngenxa yenqubomgomo olandelanayo ebhange. Noma kunjalo, kunezimo ezithile ezithakazelisayo. Ngakho, ibhalansi imali ekhadini wena bazothola isithakazelo ngesilinganiso 2-4% ngenyanga. Khokha wakhe kungaba cishe noma kuphi emhlabeni, futhi ukuguquka izimali kwenziwe ngendlela enenzuzo kakhulu - ngesilinganiso ohlelweni lokukhokha.

Amakhadi ayatholakala ezigabeni ezahlukene - ukusuka Electron okungenani Platinum Infinite, kukhona stylish, kodwa futhi kubanika ematfuba ekufundza izaphulelo kuma Ukuqashwa kwemoto kanye namahhotela (kohlaka uhlelo olukhethekile amalungelo). Ngosizo kubo ungakwazi ukuthenga ku-intanethi, ukukhokhela izinsiza mobile futhi fixed zokuxhumana, service Internet, ithelevishini kanye nokunye. Credit inhlangano 'Ukukhula Bank "ATM has khona kuyo yonke imizi. Ngaphezu kwalokho, ukuze ukuhoxisa ukheshi kusuka "okukhethekile" Commission (0.8%) kungenzeka ngokusebenzisa AVM yasebhange "UralSib".

Ulwazi olubalulekile amakhasimende

Kuze kube manje, "Kukhula Bank" inamagatsha e imizi Russia 74, kodwa uyaqhubeka ezokwakha up inethiwekhi amagatsha namahhovisi ezindaweni. Thola iseluleko uchwepheshe bese uba iklayenti lesikhungo Ikhredithi isakhamuzi Russian ehleli begogobele.

Ukuze uthole ukwaziswa okuningiliziwe mayelana nemikhiqizo asebhange, amasevisi ayo nemisebenzi yezimali, kunenhlangano 'Ukukhula iwebhusayithi Bank' olusemthethweni, esemgwaqweni at www.rostbank.ru. Iza a, design wesimanje sleek kodwa futhi sihluke kakhulu imithombo yezinye izikhungo credit. Lapha ungathola ulwazi mayelana ebhange: ulwazi mayelana umlando kwalophiko kanye nokusebenza, bheka izilinganiso ejensi ahlukahlukene, nolwazi ngezezimali, ufunde mayelana nemikhiqizo ebhange futhi izimo somphako wabo, ukusetshenziswa yokubala imali kanye loans, futhi ukuthola olunye ulwazi mayelana JSC "Bank Ukukhula "(idatha yomuntu siqu, oxhumana nabo, abalingani, nokunye.). Futhi esizeni isikhungo credit ekhoneni kwesokunxele kunokuhlobana kwi-Inthanethi Bank ( "Kiberbank"), lapho ungakwazi ungene ku-akhawunti yakho siqu ukuze ubheke i-akhawunti noma wenze kwemali.

Ukuxhumana okusheshayo nongcweti ye-KO "Rost Bank" ifoni ihlelwe endaweni evelele kunazo zonke phezulu kwesayithi. Umzila oshisayo wamakholi wamahhala ngu-8 (800) 250-88-88, ngenxa yemibandela yokubambisana nokunikezwa kunoma i-imeyili - post@rostbank.ru. Indawo yendawo yehhovisi eliyinhloko yenkampani ehlanganisiwe ye-"Growth Bank" - eMoscow. Ingqikithi esifundeni saseMoscow kunezintathu eziyishumi nambili zazo - enye eyodwa futhi eyengeziwe eyishumi nambili. Esakhiweni se-OJSC Rost Bank, ungathola ikheli lehhovisi lakho edolobheni lakho ngokukhetha indawo ehambisanayo ekhoneni eliphezulu futhi uvula ithebhu Yothintana nabo. Lapha ungathola inombolo yedolobha legatsha lasebhange. Ihhovisi eliyinhloko eMoscow lisemgwaqweni waseStanislavsky 4/1.

Umbono wekhasimende

Yiqiniso, yonke ibhange inamakhasimende abonga kakhulu nalabo abangenelisekile nganoma yini. Okwamanje, isilinganiso sezwe sikaKO "Growth Bank" singama-50.4% we-100%. Lokhu, okwamanje, akuyona inkomba engcono, kodwa futhi kuhle. Ngokusekelwe kokubuyekezwa okungu-28 nokulinganisa okungu-13, ibhange namuhla lihlala endaweni engu-17 ku-225 (ngokusho kwewebhusayithi ye-banki.ru)! Lesi yisimo esihle futhi sikhuluma ngomsebenzi ophumelele kakhulu wenhlangano yezikweletu, ukuhlinzeka ngokucophelela kochwepheshe kanye nezinga eliphezulu lenkonzo.

Ukuze ucabange ukuthi yini abayithokozile, nokuthi amakhasimende asebhange akhononda ngani, sizobheka ezinye zempendulo ezishiye. Emadolobheni amaningi (iKazzan, Vladimir, Nizhny Novgorod, njll), izivakashi ziphawula isimo esimnandi ehhovisi, insizakalo yokukhathalela kanye nesithakazelo ekuxazululeni izinkinga ngabachwepheshe. Futhi nansi omunye wamakhasimende eBenki "Rost Rost" (Rostov-on-Don), owenze idiphozi lapha, uthi amanothi ediphozi aphakathi kwamandla omuzi edolobheni, abasebenzi bayakwazi futhi banesizotha, ihhovisi lihle. Impendulo kuphela edala ukuphazamiseka kumakhasimende - kunegatsha elilodwa kuphela edolobheni, kodwa ngokujwayelekile, wonke umuntu uyayithanda leli bhange. Amanye amaklayenti kuleli bhange abuye avumelane nalo mbono, ophinde akhombe amanani entengo ekhangayo kumalimboleko. Kodwa ohlala eSt. Petersburg, umnikelo ohlala njalo ku-KO "Bank Rost" (iSt. Petersburg), wahlatshwa umxhwele ukungabi namigqa, ngokungafani namagatsha kwezinye izikhungo zokubolekisa. Iveza umphumela omuhle nabasebenzi abawusizo kakhulu (isihlalo sinikezwa ukukhulumisana okunethezeka, sichaza konke ngokuningiliziwe nangokubekezela, ivula idiphozi ngokushesha, futhi inikeze isipho).

Yiqiniso, kunezibuyekezo ezingalungile. Ezinye zazo zihlotshaniswa nokusetshenziswa kwama-ATM, ukuvuselelwa okungaqondakali kolwazi kusayithi (okuyinto ngezinye izikhathi okuholela ekuhlazweni okungathandeki), izinkinga zobuchwepheshe kanye nokungafuni ukusebenza kwabasebenzi abathile. Ngokuvamile, kunentuthuko enkulu, kanti ezinye izinsizakalo emsebenzini kufanele ziqedwe, kodwa ngokuvamile ibhange lifanelwe udumo. Into esemqoka manje ukugcina izikhundla zethu ezingeni eliphezulu futhi silwela ukuqinisa kwabo.

Isiphetho

Namuhla sazi kangako okuncane okungaziwa ezinhlanganweni eziningi zezikweletu, "Growth Bank." Ukubuyekezwa kwamaklayenti akhe kufanelwe ukubanaka futhi basebenzise izinsizakalo zebhange. Izinzuzo zayo eziyinhloko yinkambiso yokuzibophezela ngokulinganisela ngokuphathelene nokuhlinzekwa kwemali mboleko kanye nokuqondiswa kwemikhakha ekwenzeni ukwanelisa izithakazelo zamakhasimende ngenzuzo enkulu kunazo zonke. Abaningi kulabo asebevele basebenzise izinsizakalo zebhange, bhala izimo zemiklamo ezimnandi nezilinganiso eziphezulu. Ngaphezu kwalokho, kaningi ekubukeni kwamakhasimende, abasebenzi be "Rost Bank" baqashelwa njengabachwepheshe abanekhono nabahloniphekile, futhi ngempela babhekene nanoma iyiphi inhlangano. Ngenxa ye-conservatism ethile emsebenzini wayo, ibhange lizinzile njengesikhungo esinokwethenjelwa esikhwameni sesikweletu, engifuna ukusebenzisana naye isikhathi eside. Ngendlela, i-"Growth Bank" cishe ayizikhangisi ngokwayo, futhi umthombo ongcono kakhulu wolwazi mayelana nawo yizwi lomlomo.