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Russian Express

机译:俄罗斯快车

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Post-Soviet Russia's financial outlook has rarely seemed bleaker than it did in the spring of 1999. A half year earlier the government had defaulted on $45 billion of domestic debt, wiping out most of the country's fledgling commercial banks and causing the economy to shrink by more than 10 percent. Foreign investors had deserted the country, and most Russians with capital had stashed it abroad. Yet this was the moment that liquor importer Rustam Tariko chose to found Bank Russky Standart. The upstart Tariko's approach to banking was as revolutionary as his timing was bold. Modern Russia's first wave of private-sector bankers had focused on collecting deposits and investing in the country's export industries. Russky Standart (Russian Standard) did neither. Instead, it raised wholesale funds and lent to the public, figuring that the typical Russian would not only borrow at interest rates as high as 60 percent but also pay back the money. It took a few years, but the 42-year-old entrepreneur's bet has paid off handsomely. With Russia's oildriven economic boom fueling a surge in consumer spending, Russky Standart's assets grew sevenfold in 2003 and 2004, to 41 billion rubles ($1.43 billion). Profits soared 24-fold, to 4.4 billion rubles last year. The house of Tariko is the most profitable privately owned bank in Russia, boasting three times the 2004 earnings of its largest commercial bank rival, Alfa-Bank, and lagging only state-controlled giants Sber-bank, Vneshtorgbank and Gazprombank.
机译:苏维埃后的俄罗斯的财务前景似乎从未比1999年春季更暗淡。半年前,俄罗斯政府拖欠了450亿美元的国内债务,抹去了该国大部分新兴商业银行,并导致经济萎缩了。超过10%。外国投资者已经离开了这个国家,大多数有资本的俄罗斯人将其藏匿在国外。但这是白酒进口商Rustam Tariko选择成立Bank Russky Standart的时刻。暴发户塔里科(Tariko)的银行业务方法与他的时机大胆一样具有革命性。俄罗斯近代的第一批私人银行家把重点放在收集存款和对该国出口产业进行投资上。 Russky Standart(俄罗斯标准)都没有。取而代之的是,它筹集了批发资金并贷给了公众,他们认为典型的俄罗斯人不仅会以高达60%的利率借款,而且还会还钱。花费了几年时间,但这位42岁的企业家的赌注已经获得了丰厚的回报。俄罗斯石油驱动的经济繁荣推动了消费支出的增长,Russky Standart的资产在2003年和2004年增长了7倍,达到410亿卢布(14.3亿美元)。利润猛增了24倍,去年达到了44亿卢布。 Tariko的母公司是俄罗斯最赚钱的私人银行,其2004年的收益是其最大的商业银行竞争对手Alfa-Bank的三倍,仅次于国有的大型银行Sber-bank,Vneshtorgbank和Gazprombank。

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