Banks have limited the ability to go negative by debit cards :: Finance :: RBC

Banks announced a reduction in interest rates on deposits and loans after the Central Bank

“Equifax” in statistics takes into account only debit cards to which the overdraft option is connected. Banks of “not the first echelon” usually offer such a product, explained Oleg Lagutkin, General Director of Equity Bank.

The combined credit bureau (the only BKI that has data from Sberbank) includes in its statistics on overdrafts debts not only on debit cards, but also on installment cards, if banks define debt as an overdraft, explained his representative. According to the OKB, in May the average overdraft limit amounted to 42 thousand rubles, and compared with March, the indicator decreased by only 7.3%. He, like issuing overdraft cards, recovered after a sharp decline in April.

The National Bureau of Credit Histories (NBCH), which is also included in the top 3 Russian credit indexes, does not keep such statistics, a representative of the bureau said.

Why banks have changed overdrafts

A decrease in the number and volume of open overdrafts on cards is a direct consequence of bank policies in a pandemic, Lagutkin said. “By changing their lending policies after the start of the self-isolation regime, lenders extended most of the measures not only to popular consumer loans,” adds the General Director of Equifax Investment Company.

Banks reduced overdraft limits due to a general decrease in real incomes of the population, says Mikhail Doronkin, head of the bank ratings department of the NKR agency. According to him, this may be due to the peculiarities of the methodology for calculating such limits.

“If, when opening a credit card, banks can request information on income from customers to assess their reliability and set a limit, then in the case of a debit card, overdraft limits are often set automatically and do not take account transactions into account,” the analyst explains. In the pre-crisis period, providing customers with an overdraft allowed banks to earn money on those who “went into the red” or did not suspect an overdraft. “Under current conditions, the presence of such an option, on the contrary, could increase the risk of non-return,” he adds.

“Issuance of overdraft cards, including installment cards, declined significantly during quarantine, as did issuance in other lending segments. Moreover, the reduction was not so strong compared to that which we observe in the segment of credit cards, ”noted Artur Design Bureau General Director. This could be due to a lower available limit on these cards than on credit cards, which means less risk for banks, he added.

In a crisis, banks could cut low-demand products in order to reduce credit risk, agrees Sergey Grishunin, head of the rating service of the National Rating Agency (NRA). He draws attention to the fact that banks, as a rule, require customers to repay the overdraft in a short time, and the interest rate on such loans is higher than on classic credit cards. “Based on all this, it is simply unprofitable for banks to keep a product that most likely a“ good ”borrower will not use (they have a credit card, often with bonuses). A “bad” bank is not profitable, ”the expert concludes.

Bank customers began to complain about a reduction in credit card limits

Фото: Simon Dawson / Bloomberg

Which banks give customers an overdraft

According to Frank RG, there are now special cards with overdraft in the lines of five organizations: Absolut Bank, Asia Pacific Bank, Uralsib, Center-Invest Bank and Transcapitalbank. The representative of Uralsib told RBC that the bank does not offer such a product, the remaining banks did not respond to inquiries.

Which banks offer overdraft on their debit cards as an option, Frank RG does not track. Most of the large organizations surveyed said they did not provide such a service. Among them are Sberbank, Gazprombank, Otkrytie, Alfa Bank, Promsvyazbank, Sovcombank, UniCredit Bank, Home Credit, Zenit, Ak Bars, Renaissance Credit and MTS Bank. However, on the banki.ru profile forum, there are many reviews of customers of large banks about connecting an overdraft without notice, technical overdraft and other problems associated with this product.

The only bank that has confirmed the availability of the overdraft option for debit cards is VTB. Such a service is offered to salary clients, a bank representative said. “In March-May, the bank did not change the terms of connection and the average size of limits for this product. “We do not notice any changes in client preferences for disabling or activating overdraft services,” he added.

Will banks become more loyal to using overdraft

“There is a version that it’s precisely by such actions that banks are preparing for the end of exemptions regarding the accrual of reserves. We believe that overdrafts in the event of a crisis may even disappear or remain only with premium customers of banks, ”says Grishunin. On Friday, June 26, the Bank of Russia announced a partial curtailment of support measures for banks introduced at the onset of the crisis. But softened reserve requirements will continue until September 30.

The Central Bank will prohibit paying with expired cards

Photo: Artem Geodakyan / TASS

Banks must form reserves not only for loans actually issued, but also for unused limits, taking into account demand ratios. Overdraft is included in this category, said the director of bank ratings of Expert RA, Ivan Uklein. According to him, banks are so far “reinsured”, and after lifting sanitary restrictions and stabilizing the situation on the labor market, the policy of creditors regarding opening overdrafts will become softer.

In June, the retail lending market experienced a recovery, says Lagutkin from Equifax. According to him, this may in the future have an impact, including on the overdraft segment.

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Chinese journalist called the shortcomings of Russian women

The Chinese spoke about the reasons why foreigners do not seek to marry Russian women, despite their illustrious beauty

Chinese journalist called the shortcomings of Russian womenPhoto: Andrey KOPALOV

Resize text:

Chinese journalist Portal Sohu listed several reasons why foreigners do not seek to marry Russian girls, despite their beauty.

According to the author of the article, many stereotypes have developed around the Russians, among them the tradition of making domestic bears or a love of vodka. However, he called the most mysterious phenomenon of Russian women, attracting foreign visitors with their appearance.

“Many of them dream of marrying a Russian beauty, and there are many Chinese men among them,” the journalist says, but immediately notes that such marriages are not frequent.

The Chinese gives three reasons that can explain such statistics. The author declares that the “cheeky character” of Russian women, as well as their love for booze and sloppiness in trifles, are not suitable for Chinese grooms. In addition, he reports the unwillingness of Russians to “put their soul into truly important matters.”

“They like to drink, believing that in this way they release their“ I ”and show a true character. In addition, they do everything through their sleeves, are not too accurate in the details, and do not put their soul into truly important matters, ”the journalist believes.

In concluding his article, he notes that the desire to marry should not be based on appearance, but rather on the basis of her character and understanding.

Recall that earlier, a Chinese blogger confessed his love for Russian cuisine and called Russian dishes, the taste of which is “impossible to forget.” So, he called goulash “a reflection of the soul of the Russian people”

SOURCE KP.RU

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New COVID-19 card for the regions of the Tver region for June 28 | HEALTH: Medicine | HEALTH

Within 24 hours, 53 new cases of coronavirus infection were detected in the districts of the Tver region. This was reported in the press service of the regional government.

According to the regional government, ___67 people died from the dangerous COVID-19 since the beginning of the pandemic in the region. More than two thousand patients, namely 2324, recovered and are at home.

As of June 28, 3,524 cases of COVID-19 infection were detected in the region. Most infected are registered in Tver, Kimry, Konakovsky and Likhoslavl regions.

The situation with the spread of coronavirus in areas on the map is as follows:

Tver 1237

Kimry 534

Konakovsky district 306

Likhoslavl district 225

Kalininsky district 182

Rzhev 150

Vyshnevolotsky urban district 93

Torzhok 70

Maksatihinsky district 66

Kashinsky urban district 61

Kimry District 60

Rameshkovsky District 60

Andreapolsky municipal district 58

Bezhetsky district 44

Bologovsky district 43

Zubtsovsky District 40

Nelidovo City District 30

Staritsky district 29

Toropetsk district 29

Selizharovsky district 23

Ostashkovsky urban district 20

Rzhevsky district 19

Vesyegonsky Municipal District 18

Sonkovsky district 17

Forest Municipal District 15

Spirovsky District 15

Torzhoksky District 14

Kalyazinsky district 14

Zapadnodvinsk municipal district 11

Udomlya urban district 8

Kuvshinovsky District 8

Kesovogorsky district 6

Oleninsky Municipal District 5

Molokovsky District 4

Zharkovsky district 2

Sandovsky Municipal District 2

Krasnokholmsky District 2

ZATO Lake 2

Firovsky district 1

Penovo Municipal District 1

Photo: From the archive / Government of the Tver region

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New COVID-19 card for the regions of the Tver region for June 28 | HEALTH: Medicine | HEALTH

Within 24 hours, 53 new cases of coronavirus infection were detected in the districts of the Tver region. This was reported in the press service of the regional government.

According to the regional government, ___67 people died from the dangerous COVID-19 since the beginning of the pandemic in the region. More than two thousand patients, namely 2324, recovered and are at home.

As of June 28, 3,524 cases of COVID-19 infection were detected in the region. Most infected are registered in Tver, Kimry, Konakovsky and Likhoslavl regions.

The situation with the spread of coronavirus in areas on the map is as follows:

Tver 1237

Kimry 534

Konakovsky district 306

Likhoslavl district 225

Kalininsky district 182

Rzhev 150

Vyshnevolotsky urban district 93

Torzhok 70

Maksatihinsky district 66

Kashinsky urban district 61

Kimry District 60

Rameshkovsky District 60

Andreapolsky municipal district 58

Bezhetsky district 44

Bologovsky district 43

Zubtsovsky District 40

Nelidovo City District 30

Staritsky district 29

Toropetsk district 29

Selizharovsky district 23

Ostashkovsky urban district 20

Rzhevsky district 19

Vesyegonsky Municipal District 18

Sonkovsky district 17

Forest Municipal District 15

Spirovsky District 15

Torzhoksky District 14

Kalyazinsky district 14

Zapadnodvinsk municipal district 11

Udomlya urban district 8

Kuvshinovsky District 8

Kesovogorsky district 6

Oleninsky Municipal District 5

Molokovsky District 4

Zharkovsky district 2

Sandovsky Municipal District 2

Krasnokholmsky District 2

ZATO Lake 2

Firovsky district 1

Penovo Municipal District 1

Photo: From the archive / Government of the Tver region

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New COVID-19 card for the regions of the Tver region for June 28 | HEALTH: Medicine | HEALTH

Within 24 hours, 53 new cases of coronavirus infection were detected in the districts of the Tver region. This was reported in the press service of the regional government.

According to the regional government, ___67 people died from the dangerous COVID-19 since the beginning of the pandemic in the region. More than two thousand patients, namely 2324, recovered and are at home.

As of June 28, 3,524 cases of COVID-19 infection were detected in the region. Most infected are registered in Tver, Kimry, Konakovsky and Likhoslavl regions.

The situation with the spread of coronavirus in areas on the map is as follows:

Tver 1237

Kimry 534

Konakovsky district 306

Likhoslavl district 225

Kalininsky district 182

Rzhev 150

Vyshnevolotsky urban district 93

Torzhok 70

Maksatihinsky district 66

Kashinsky urban district 61

Kimry District 60

Rameshkovsky District 60

Andreapolsky municipal district 58

Bezhetsky district 44

Bologovsky district 43

Zubtsovsky District 40

Nelidovo City District 30

Staritsky district 29

Toropetsk district 29

Selizharovsky district 23

Ostashkovsky urban district 20

Rzhevsky district 19

Vesyegonsky Municipal District 18

Sonkovsky district 17

Forest Municipal District 15

Spirovsky District 15

Torzhoksky District 14

Kalyazinsky district 14

Zapadnodvinsk municipal district 11

Udomlya urban district 8

Kuvshinovsky District 8

Kesovogorsky district 6

Oleninsky Municipal District 5

Molokovsky District 4

Zharkovsky district 2

Sandovsky Municipal District 2

Krasnokholmsky District 2

ZATO Lake 2

Firovsky district 1

Penovo Municipal District 1

Photo: From the archive / Government of the Tver region

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The white house said about preparing for the second wave of coronavirus :: Society :: RBC

Adviser to trump, said it could erupt soon, and laid at China be responsible for the emergence and spread COVID-19. “Whether they did it on purpose, it is an open question,” he said

Photo: Cindy Ord / Getty Images

The white house is preparing for the second wave of the spread of coronavirus COVID-19, which could happen next fall. In an interview with CNN, said Advisor to the President of the United States on trade issues Peter Navarro.

Answering a question from host Jake Tapper, are the American government for a second wave COVID-19, Navarro said, “of Course.” “We are preparing, preparing for what is [это] can happen. I’m not saying that this will happen, but of course, you have to prepare for it,” he said.

The adviser also added that “China has created this pandemic.” “They created this virus. And they sent hundreds of thousands of Chinese citizens to spread it worldwide,” said Navarro.

Advisor trump has accused China of spreading COVID-19 through tourists

Photo: Alex Brandon / AP

On specifying question of the leader, whether China was behind the creation of this infection, Navarro suggested instead of the word “created” to use the word “spawned”. “Whether they did it on purpose, it is an open question. But it’s a fact,” he said.

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The number of deaths due COVID in the United States exceeded the loss of the country in the First world :: Society :: RBC

Photo: Evan Vucci / AP

The number of deaths due to the coronavirus COVID-19 in the United States exceeded the losses of the American army during the First world war. It is reported by Associated Perss.

According to official data, US losses during the First world war was 116 516 persons, the Agency said.

According to the American University Hopkin Jones, who leads the statistics of deaths and cases of coronavirus, because COVID-died 19 116 905 Americans.

Material supplemented.

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Experts explained the decline in mortality in Russia on the background of the pandemic :: Society :: RBC

According to Rosstat, in April increased the number of deaths from the coronavirus, but because of the restrictions decreased the mortality the most common in Russia reasons

Photo: Kirill Zykov / AGN “Moscow”

The reduction in mortality in April 2020 in Russia there are several reasons, one of which — the lesser the number of deaths from external causes, says the head of the Department of statistics MIREA Catherine Darda.

13 Jun Rosstat has published statistics on mortality for January to April of 2020. According to authorities, the death rate in this period fell by 2.9% in comparison with indicators of last year. So, in April of 2019, died 153,8 thousand people, and in April 2020 — 149,4 thousand In April died 2712 people with COVID-19.

As noted Darda, due to the restrictive measures almost halved the number of accidents with 11037 cases in April 2019 up to 6250 cases in April 2020. “As a consequence there is a reduction in the number of fatalities from the 1001 person to 768 people,” she says. For the first four months of the year decreased and the number of murders and assaults on them — by 3.8%.

To reduce mortality, according to Darda was influenced by the fact that Russia managed to maintain a relatively low level of mortality from COVID-19 in comparison with other countries — 11 persons for every thousand patients. She cited the example of other countries: in Germany the figure was 46 people in the United States — 59 in Belgium 163.

Rosstat provided data on mortality from COVID-19 April

Photo: Stanislav Krasilnikov / TASS

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The CPS reported the more than 14 million tests COVID-19 :: Society :: RBC

Photo: Sergei Vedyashkin / AGN “Moscow”

Since the beginning of the spread of coronavirus in Russia held more than 14.2 million tests on СOVID-19, under medical supervision there were more than 1.5 million people. This was reported on the website of Rospotrebnadzor.

On 11 June under observation was about 322 thousand people.

The head of Rospotrebnadzor said about the inevitability of a new pandemic

Photo: Stanislav Krasilnikov / TASS

On 10 June the head of Rospotrebnadzor Anna Popova said that the regions are almost 650 thousand people were tested for immunity to coronavirus. According to her, the immune system was identified in 14% of the total number tested, and it is “considerable” level, while the best immunity is developed in children.

According to the latest data of the operational headquarters for the day in Russia revealed the 8987 cases of new coronavirus infection. Since the beginning of the epidemic of coronavirus in the country were infected 511,4 million people. Russia remains, according to statistics from the Johns Hopkins University, in third place in the world in the number of cases.

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