Ordinary inhabitants invariably associate work in the banking sector with high wages. However, this view is only partially correct. The thing is that a banker is a very wide circle of workers occupying a variety of positions. Accordingly, the level wages, for example, a top manager and a leader credit department may differ significantly.
Generally speaking, a banker is a general line of work. The range of duties assigned to a specialist depends on the scale of the company in which he works, as well as on the position he holds. Typically, the work here is as follows:
In order to succeed, a banker must have a certain set of personal qualities, such as the ability to quickly make the right decisions, initiative, communication skills, a constant desire to improve their own professional level, attentiveness, purposefulness, and so on. An important aspect is discipline, as well as the precise fulfillment of all the instructions of the management and the tasks assigned to the employee.
An analytical mind and constant composure are welcome. Considering that it has to do with money, banking business does not tolerate dishonest employees, so employers pay special attention to such a moment as decency and honesty.
Now let's talk about employee compensation banking sector. The spread here is more than wide, since the variety of possible positions is very large. At the lowest rung here are ordinary clerks. As a rule, their salary is 65 thousand rubles. This, of course, is an average figure, but in this case, the difference, depending on the financial institution, will not be too large. However, do not forget that this is only the very first, initial step. The salaries of top managers are measured by completely different figures - we are talking about a difference of several orders of magnitude.
For example, the salary of the chairman of the board of a bank today is from 500 thousand to 7 million rubles. The work of his deputy is also very well paid. On the one hand, the salary in this position is about 2 times less than that of the head, but 2 points must be taken into account. Firstly, figures from 200 thousand to 3 million rubles a month are more than a decent salary, and there are also various bonuses. Secondly, the level of responsibility of the deputy is always lower than that of the boss.
A solid salary today and the managing director investment bank. The amount of remuneration for this position ranges from 500 thousand to 6 million rubles. The heads of the trade department also earn very well. With a minimum salary for this position of 100 thousand rubles, which is quite good for the Russian Federation, up to 4 million rubles. Such a wide range is due to the presence of a number of additional determining factors.
Here are some more official statistics. In particular, the level of the average salary in Gazprombank is 174 thousand rubles. VTB is in second place in this indicator. This financial institution the average size salary is 156 thousand rubles. Well, the Bank of Moscow closes the top three leaders in terms of average wages in the banking sector. On average, its employees receive 129 thousand rubles a month. Unicredit Bank (121 thousand rubles) is also in the top five. In fifth place was the Russian Federation "Alfa-Bank" with an average salary of employees of 98 thousand rubles.
I would like to pay closer attention to one more point. Currently the most in-demand positions in banking Russian Federation are cashiers, accountants, visitor managers, and financial analysts. At the same time, the more high level remuneration - the more requirements are presented to the applicant for a particular vacancy. Among the top management of Russian banks, one can often meet the children of influential Russian officials - the most striking example here is Dmitry Patrushev, son of the Secretary of the Security Council of the Russian Federation. Previously, he worked at VTB, and later moved to Rosselkhozbank, becoming the chairman of the board of this financial institution.
Mostly, employers make it a prerequisite for applicants for a particular position to have a higher economic education. A clerk can be hired without work experience. As a rule, "people from the street" are not suitable for higher and more responsible positions. The employer can be understood - he needs a result here and now. Therefore, preference is given to either experienced employees from the outside, or an internal reserve. It is probably not even necessary to talk about such a moment as confident possession of a PC. The banking sector today is high-tech, and computer skills are a must, even for a clerk.
Among the specialties that have been gaining popularity in recent decades, banking has a strong position.
This is natural, because in Russia constantly growing number of banks and various financial institutions that provide services demanded by the population and organizations.
It can be said that banking one of the oldest professions, after all, even when banks in their usual form did not yet exist, for example, in Babylon seven hundred years BC, there were townspeople actively involved in usury.
Then there were analogues of modern bank notes, valued in gold.
Also, the beginnings of banking can be observed in ancient Greek society, where there was a separate layer of trapeziters involved in the exchange Money and their storage, of course, under a certain percentage.
We owe the appearance of ancient Greece settlement and cash services, which was expressed in the receipt and debiting of client funds on special accounts. And many temple complexes provided such a service as loans, because they had substantial amounts in storage, which they tried to increase.
Today, qualified specialists in this field can easily get a job in various institutions - financial, investment, credit, and they are also in demand on the stock exchange valuable papers. Do not refuse such professionals Insurance companies and planning divisions of enterprises.
Graduates of universities who have received diplomas in the specialty of banking prefer to get jobs at enterprises to the departments of investments, securities. The stock, economic and accounting departments are also considered prestigious. Therefore, such a specialist will definitely not remain unemployed.
Depending on the chosen place of work and the profile of the organization, the range of duties of a specialist may vary.
For example, in lending departments, he will probably have to accept applications for loans, analyze the client's solvency, evaluate collateral, monitor the use of credit funds, and monitor the safety of collateral. To put it simply, it is his responsibility to ensure the security of the transaction.
To work subsequently in organizations dealing with finance, it is necessary to have an education in the specialty "Economics", ideally, become a master in the specialty "Finance and credit". It is possible in the process of learning to decide on the desired direction of activity - accounting and operational or financial and credit.
Many universities in Russia offer such education, but employers highly valued diplomas from such universities: State University of Management, Russian Academy National economy and the Higher School of Economics.
The range of responsibilities of professionals in this field is quite wide. It all depends on the requirements put forward by the management of the company, the specifics of the work. But most common duties, which can be called common to all are as follows:
This list can be continued, but in general it reflects the essence of the specialist's activity.
This profession, as a rule, should be chosen by people with an analytical mindset and abilities for mathematical analysis. Such a person should be able painstakingly systematize received data. It is very important to be able to focus on the details.
Bankers are easy economic disciplines, they have a tenacious memory that allows them to perform complex operations.
Such qualified specialists are in demand in any organization that makes mutual settlements. However, salaries differ significantly depending on the region and locality, the level and specifics of the organization.
Bankers share for top, middle and lower level employees and hence their earnings vary. As a rule, the minimum wage in this area is not less than four hundred dollars, but by showing yourself well, you can significantly increase your income.
To climb the career ladder in this field of activity, you need to take the initiative, improve yourself and prove yourself well. This profession will always be needed, because settlement operations are unlikely to ever disappear as unnecessary.
The word "banker" evokes positive associations: a large amount of money (for example, like Scrooge McDuck in the Disney cartoon "DuckTales"), respect, expensive cars, apartments.
Can they become a modern graduate? Not excluded.
Let's see in general what kind of profession is banking, and how "bank employee" and "banker" correlate with it. Let's figure out who does what. If you are puzzled, where can you get a loan for an unemployed student? The service https://loanexpert.net.ua/kredit-dlya-studentov/ will help you with this, for the selection of profitable loans with a minimum interest rate.
Bank employees are ordinary bank employees who, in most cases, interact directly with customers and perform specific banking operations that do not require in-depth analysis.
Functions are defined by specialization:
A banker is a financial manager, a representative of the highest administrative level, who does not work directly with clients and does not perform specific banking operations, as an ordinary employee, but is engaged in forecasting, planning, conducting a deep comprehensive analysis of the bank's activities, the state of the economy (regional, national, foreign), etc.
Obtaining an economic education is necessary for the profession of a banker. It is also desirable to have a legal, managerial. Internships in leading banks, fluency in several foreign languages are desirable.
The most famous bankers are the Rothschilds, John Rockefeller and others.
Who can work in a bank?
Here's a short list in ascending order:
In addition, there are specialties related to banking, but indirectly related to it: IT service specialists, lawyers, debt collection specialists, etc.
Working in a bank requires the candidate to have an economic education. The profile is decisive.
So, a cashier who is engaged in receiving and issuing funds can graduate from Accounting, Analysis and Audit, Finance and Credit. The second option, like "Banking", is the most common.
After grade 11, the results of the USE in the following subjects are provided to the selection committee: mathematics, Russian language, social studies.
Some universities replace social studies with a foreign language.
The future profession is largely determined by the level of the university.
Let's list leading universities that train in this specialty:
Often "Banking" expands or vice versa, narrows. The description of the directions may look like:
The curriculum of the specialty "Banking" includes such disciplines as:
The term of study depends on the number of years spent in a general education institution:
There are also short-term courses - from 3 months to 12.
The average salary of a banker in Russia is 300,000 rubles. A bank employee receives an average of 45,000 rubles.
Income depends on the position, work experience, region. For example, the salary of a bank employee is 41,167 rubles, a mortgage consultant is 50,417 rubles.
A career in the banking sector is developing quite intensively, which especially attracts young professionals. There are cases when, in 8-12 months, a banking specialist acquires the necessary skills to work in the middle link.
The requirements are quite serious:
At the same time, the qualities of a banker must be appropriate:
The advantages of the profession include its relevance, the presence a large number offers on the labor market in all regions of the Russian Federation, high wages, good conditions labor, the presence of a corporate program in addition to social guarantees in many banks.
Among the shortcomings of the profession can be noted a high degree financial responsibility, the need for constant regulation of emotions, tone and timbre of speech to create the image of a friendly, customer-oriented organization. Irregular working hours are possible.
All of us in childhood dreamed of becoming workers in some interesting profession. Someone wanted to be a military man, someone an astronaut, someone an artist. But on the fingers you can count the children who would have dreamed of working in a bank since childhood. website
Time passed, the children grew up, and now the situation has changed. Banks have become interested in graduates of higher educational institutions and applicants with experience in financial institutions. Yes, and many young economists are very attracted to this work: a modern office, a business suit, a solid salary. It is the salary that ultimately becomes the decisive factor, and specialists submit resumes to banks in the hope of finding a job. website
It's all about prestige
Today, the most demanded positions in the bank are financial analysts, accountants, visitor managers, branch managers, sales specialists, directors and cashiers. Even well-known non-poor people go to work in banks. An example of this is Sergey Matvienko, the son of the governor of the city on the Neva, who until recently worked as vice president of one of the St. Petersburg banks. Dmitry Petrushev, the son of the Secretary of the Security Council of the Russian Federation, worked at VTB24, and then became the chairman of the board of Rosselkhozbank. And it's far from complete list well-known persons who work in the banking sector. In addition to the material, you may be interested to read about why a bank account can be blocked. website
How much can you earn
People go to work in a bank primarily because they want to earn above average and even more. At the initial positions, clerks are expected to receive salaries in the range of 15 thousand rubles. However, if you gain experience and an excellent track record, you can get a job with a salary of several hundred thousand rubles a month. According to official data, the largest average salary is issued in Gazprombank - 177 thousand rubles a month. The honorable second place is occupied by VTB - 95 thousand rubles. In third place is Alfa-Bank, which pays employees an average of 94,000 rubles a month. Further on the list is "Unicreditbank", which favors its employees on average 75 thousand rubles and "Bank of Moscow" - 65 thousand rubles. If you are interested in the salaries of bank board members and other high officials, then here they are in front of you: site
How to become a bank employee
To get the coveted job in the bank, applicants will need to have a higher economic Education, work experience, excellent computer knowledge, sufficient analytical and communication skills. They will also be checked to see if there are any problems with the law. With growth consumer lending requires more and more specialists in the banking sector. Thus, one can predict an increase in the number of bankers in Russia in the near future. This, in turn, is a positive factor. However, not everything is as beautiful as it seems at first glance, recently a number of banks have been left without a license. website
Are downsizing and salary increases in Russian banks compatible? Does "expensive" management provide high profits? Is it prestigious to work in the banking sector?
The information and analytical service of the Banki.ru portal found out the average salaries of bank personnel and compiled ratings of banks in terms of average monthly wages and the number of employees in the first half of 2018.
The ratings were based on quarterly reports of securities issuers and/or explanatory information to interim accounting (financial) statements, which served as sources of information on the average number of employees and on the share of employees with higher education. For Novikombank, the source of information on the headcount was IFRS statements for the first half of 2018.
To calculate the average salary, we used the data on personnel labor costs presented in the quarterly profit and loss statement of the credit institution in the form 0409102 posted on the website of the Central Bank of the Russian Federation. The average salary was determined as the result of dividing the salary costs for a certain period by the number of months and by the number of employees in the selected period.
It seems that even the older generation of Russians has ceased to call all bank employees bankers and automatically consider that life is good if you get a job at a bank. Of course, the pay for different specialties, even without taking into account managerial positions, can differ by a factor of two or more.
Rosstat calculated that the average monthly accrued nominal salary in the field of finance and insurance amounted to 83,103 rubles in June 2018. This is about twice the average salary in Russia.
According to the Superjob Research Center, among the ten observed positions in the banking sector, the highest paid on average is the position of chief or leading specialist in the market risk department, and the lowest of the average salaries is for cashiers-operators. In addition, this is the only position, the average salary for which was declining at the beginning of 2018.
It is obvious that wages in the above positions do not keep pace with inflation, but this is true not only for the banking sector and. Economists' studies show that the main problem of stagnating wages is high inflation, which "eats" nominally rising wages.
If we compare the salaries of bank employees and workers in other areas, we can say that in the construction sector, the salaries of specialists over the analyzed period grew more significantly, as well as in the IT sector, as well as in the advertising business.
The maximum level of the average salary of ten construction specialties is for technical supervision engineers: 76 thousand rubles. In the field of IT, an Internet project manager can expect a similar average salary, and on average technical support specialists are offered a salary slightly lower than that of a specialist in foreign exchange transactions. The position of a programmer or developer in terms of salary will already be significantly higher and financial analyst, and risk in the bank.
Total in the first half Russian banks spent 485 billion rubles on their employees, including salaries, bonuses, training and other expenses. And this amount is quite insignificant in the total amount of expenses.
Among the 20 banks in the rating of the information and analytical service of the Banki.ru portal in terms of average monthly wages in the first half of 2018, there were six “foreigners” and seven banks controlled by state structures or state corporations.
He headed the top five in terms of average salary, like ING Bank (415.7 thousand rubles with an increase of 2.5% over the year). The second and fifth places were also taken by representatives of foreign financial institutions- Nordea Bank (376.5 thousand rubles with an increase of more than a quarter over the year) and Citibank (144.6 thousand with a decrease of 20.2% over the year). And the third and fourth places went to the banks of the largest commodity corporations controlled by the state - Gazprombank (221.8 thousand rubles) and RRDB (150.8 thousand rubles). It should be noted that ING Bank and Nordea Bank practically do not work in the retail segment, and the number of employees of these banks (271 and 416, respectively) is even inferior to the rest of the rating participants in total, with the exception of JSCB Peresvet (100% owned by RRDB), in with 291 employees.
The lowest average wages in the first half of 2018 - below 65 thousand rubles - were shown by five credit organizations out of 50 analyzed: Post Bank and UBRD (48.8 thousand rubles each), Moscow Industrial Bank (53.9 thousand rubles), HKF Bank (60.5 thousand rubles) and Ak Bars (63 thousand rubles) ). Such indicators for retail Post Bank and HCF Bank can be explained by the retail business orientation and a large proportion of specialists working "in the field", directly with borrowers and having low salaries. In addition, the number of employees of Post Bank for 12 months increased by 5 thousand people (more than 40%), and the average salary decreased from 56.5 thousand to 48.8 thousand rubles. The level of wages of employees of UBRD and Ak Bars is affected by their regional registration: outside of Moscow, the income of the population, as a rule, is lower than in the capital.
In terms of the growth of the average monthly salary, if we compare the first half of the current year and 2017, Zenit Bank is in first place, the average salary in which increased by 42.6%, or by 34.7 thousand rubles. In this case, among the reasons can be called a reduction in the number of personnel, albeit less than 6%, or 122 people. The second place in terms of average salary growth was occupied by Peresvet Bank (+39.4%, or +40.7 thousand rubles), which reduced the staff by 11% in 12 months. Since 2017, the sole shareholder of Peresvet has been RRDB, which overtook its subsidiary in terms of average wages.
Rounding out the top five growth in average wages are MTS Bank (+28.7%, or +18.8 thousand rubles), Nordea Bank (+25.7%, or +76.9 thousand rubles) and Gazprombank (+20. 7%, or +38 thousand rubles). MTS Bank and Nordea Bank significantly reduced the number of employees compared to the data for the first half of 2017 - by 28.6% and 38.2%, respectively, the staff of Gazprombank over the same period increased by 4.7%, or 559 people.
The average salary at VTB fell by 21.6% - this is the largest decline among the top 50 banks by assets. The accession of the subsidiary VTB 24 and the corresponding increase in staff by 157%, or by 29.2 thousand people, affected. More moderate negative dynamics was demonstrated by Citibank (-20.2%), UBRD (-18.1%), Post Bank (-13.8%) and FC Otkritie Bank (-12.1%), as well as Binbank ( -8.0%), Vostochny Bank (-7.2%) and Trust Bank (-4.7%).
Among the top 50 banks by assets, the top five with the largest average number of employees in the first half of 2018 were Sberbank (243,958 people), VTB (47,870 people), Rosselkhozbank (26,302 people), Alfa-Bank (24,503 people) and Post Bank (16,732 people). The ranking in the top five has not changed over 12 months, and the number of employees was reduced only by Sberbank (by 6,009 people, or 2.4%) and the RSHB (by 725 people, or 2.7%).
ING Bank has the smallest number of employees, which leads the rating in terms of average salary. In addition, 99.7% of the employees of this bank have higher education. Not all banks disclose this value, but for comparison: Zenit Bank has 94.2% of its staff with higher education, Gazprombank - 88.6%, UniCredit Bank and Raiffeisenbank - more than 87% each, and Moscow Credit Bank only 62%. It is worth noting the growth of employees with higher education in FC Otkritie for 12 months - from 69.7% to 81.4% with a reduction in staff by 7.1%, or 1,077 people.
Another four of the 50 largest (and disclosing) banks have less than 1,000 employees - these are Peresvet (291 people), Nordea Bank (416 people), Novikombank (763 people) and DeltaCredit (874 people).
