General characteristics of joint stock companies with state participation

Updated May 2021

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Detailed information about Gazprombank (general license of the Central Bank of the Russian Federation No. 354), founded on January 23, 1992. On the page you will find a list of the most popular loan programs, debit cards and other products. Honest ratings and reviews for each offer.

How to carry out asset management in Gazprombank

Management Company "Gazprombank - Asset Management" is a structural division of Gazprombank, offering its services to ordinary clients and institutional investors. It manages over 330 billion rubles.

The list of institutional clients entrusting their assets to management companies includes:

1. Insurance companies;
2. non-state pension funds;
3. endowment funds;
4. self-regulatory organizations.

For corporate clients, investment is carried out through closed-end and interval mutual investment funds. Information on them is hidden for unauthorized persons.

All investors should be aware that such investments involve varying degrees of risk.

Let's look at what is offered to individuals:

1. Mutual funds are a collective investment option with the help of professional managers. Funds differ in the form of organization, different returns, risks, strategies, and investment objects.
2. An individual investment account is a tool that allows you to receive not only profit, but also a tax investment deduction from the state. This amounts to 52 thousand rubles per year.
3. Providing individual trust management. This is a service for making non-standard decisions in choosing strategies for a specific investor with a guarantee of complete transparency at all stages of investment.

Mutual funds are the most popular among management company offerings among ordinary Russians. Any citizen over 18 years of age can become their participants.

How can Gazprombank clients invest in mutual funds with the help of Asset Management managers? To do this, you need to have at least 50 thousand rubles on hand. (amount of initial investment). Additionally, you will have to buy shares (repeated contribution - at least 1 thousand rubles). Next you need to act in the following sequence:

• Study information on the funds (strategy, possible risks, latest data on the value of the unit, etc.) to select a mutual fund.
• You can purchase shares on the company’s website online, or at a GPB branch after presenting your passport and filling out an application.

Assets involve significant amounts of money - the minimum contribution is from 1 thousand rubles. What expenses does a client bear when becoming a member of mutual funds:

• There is no premium for purchasing shares.
• A unit owner may lose up to 2% on redemption, depending on when the application is made after purchase. 0% discount if the application is submitted no earlier than 1096 days after the receipt.

Using the services of the management company, the client pays her a fee. It is calculated as a percentage of the net asset value (NAV):

• 2 -3 "% - remuneration of the management company;
• 0.5% - to the registrar, auditor;
• other expenses will be another 0.5%.

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Workplace setup

To start working on an ETP, you must meet certain requirements.
This is especially true for software. System requirements for computers:

• installed program of the official version of OS Windows 7 or higher;
• Windows .NET Framework 4;
• Google Chrome browser version 59 and higher, or Enternet Explorer version 11 and higher, 32-bit version available.

Software of the corresponding specialization is also required:

• CryptoPro EDS Browser plug-in;
• CIPF CryptoPro CSP;
• availability of a utility for signing documents.

Other components required:

• gain access to using an electronic signature;
• configure your browser;
• configure CryptoPro EDS Browser plug-in.

All software must be installed by users themselves with the default settings. All suggested applications are installed using vendor data and documentation. The only thing the user needs to do is configure the browser properly, create a utility for signing documents, and also configure the CryptoPro EDS Browser plug-in.

In order to obtain the right to sign UPD documents, NFD and contracts, you need to install a special utility, thanks to which you can generate an electronic signature that complies with the security of the system. The bank offers to use it to pre-sign the supplier’s disk.

To install the program, you must log into your computer as a system administrator. Next, follow the special link to download the utility, run the installation program and install according to the instructions of the program itself.

To configure CryptoPro EDS Browser plug-in, click the “Start” button in the taskbar and then “All programs”, “CryptoPro”, “EDS settings”. After that, right-click and select “Open with”. A list of browsers will appear, select the one that meets the system requirements.

After completing all the above steps, you must also configure your browser by adding the necessary addresses to the trusted list. For full use, you must restart the browser.

General information and list of funds

In order to form an optimal investment portfolio with a minimum risk and the highest level of profitability, it is necessary to carefully study all proposals for mutual funds. The organizational form of funds is collective investment, which allows them to generate income with the involvement of professional managers.

In 2021, clients can choose from 9 proposed mutual funds

As of April 2021, Gazprombank-Asset Management Management Company offers individuals to invest in 9 open-end mutual funds:

1. "Bonds Plus" It is designed for investors with a conservative outlook who want to take minimal risks and invest their own funds in high-yield bonds. These are federal loan bonds, as well as bonds of large Russian companies with state participation (Rosneft, Volkswagen Bank RUS, Transneft, etc.). This approach guarantees stable savings growth that exceeds inflation and conventional deposit programs.
2. “Balanced” - open-end mutual investment fund of mixed investments. Funds are invested in shares of foreign and Russian companies with potentially high returns and liquid ruble bonds with a low level of risk. This offer is designed for citizens who want to receive a return significantly higher than the highest deposit rate.
3. "Currency bonds". The fund will be of interest to clients concerned about the instability of the Russian ruble. The fund's assets are invested in Eurobonds issued by the Government of the Russian Federation and Russian companies. Funds are denominated in dollars. When the ruble falls, the value of the share in most cases increases.
4. “Shares” is another open-end investment fund offered by CJSC Gazprombank Asset Management. Purchasing shares of this fund will be of interest to those clients who do not lose hope for the rise of the Russian economy and the stock market. Investments are made in shares of Russian and foreign companies of medium and large businesses for capital growth that exceeds the return on passive investment in the MICEX stock index.
5. "Gold". Investments in precious metals always remain relevant, despite the fact that recently there has been no increase in gold prices. It does not lose its investment attractiveness thanks to the strengthened monetary policy of the governments of most developed countries. An additional advantage of investing in gold is that prices for the precious metal are quoted in dollars. When the exchange rate value of the ruble falls, shareholders receive additional benefits, thereby protecting them from currency risks.
6. "World Food Basket". The most unique fund: funds are invested not in conventional financial products, but in shares of international funds specializing in investments in agriculture. At the moment, these are the most real assets, since agricultural products are less susceptible to sudden price fluctuations and are more stable compared to the financial market.
7. "Gazprombank - India". Investments in this open mutual fund may be of interest to future-oriented individuals. Analysts are convinced that India is one of the countries whose economy is developing at a rapid pace. Due to the ongoing transformations in this country, its stock market is becoming attractive to investors every year. In addition to India, OPIF invests in funds from other developing countries (China, Taiwan, South Korea), since the stock markets of developing countries are characterized by both high development potential and high risks.
8. "Oil". The fund is attractive for minimal investments; its price for shares is the lowest. Assets consist of shares of major oil producers in Canada and the United States. If the level of production of “black gold” is maintained and increased in the future, one can count on an increase in the price of oil.
9. "Electric power industry". The fund's investment portfolio is formed from shares included in the calculation of the MICEX index. Analysts associate the attractiveness of investments with the end of the investment period of the Russian electric power industry, which will lead to an increase in dividends in the near future.

Incoming messages

For each registered ETP user, mailboxes are created with mail that is sent to them. To view all messages, you need to click the button located on the main panel - “Incoming notifications”. Using a special filter, unnecessary messages can be filtered out. There is also a button to search for the required letters. Reading the content is possible by clicking the icon with a picture of an eye in the “Operations” column.

Rating and main economic indicators of funds

To get a detailed understanding of the economic indicators of mutual funds and their rating for profitability growth and asset growth, we advise you to study the information provided by Gazprombank Asset Management on its website. All data on key parameters is updated daily. The table below provides information as of April 2021.

Complete list of state banks in Russia for 2019

Information provided by House Business Day, 2021 for bankodrom.ru.

Net asset value and investment share

The table shows that the leading place in increasing NAV and increasing the value of shares among all Gazprombank-Asset Management funds is occupied by the Bonds Plus open investment fund.

Banks share more than 51%

We reviewed the list of Russian state banks that are wholly owned by the Russian Federation. But there are many banks in which a controlling stake belongs to one or another government agency.

It is in this sector that the most popular companies among Russians are located - VTB (60.9% of voting shares owned by the Federal Property Management Agency) and Sberbank (52.3% of voting shares owned by the Ministry of Finance). Such organizations also include Post Bank. JSC Russian Post and PJSC VTB each own 49.99% of the shares.

Investment recommendations

The main mistake of most novice investors is a lack of understanding of the investment process itself. Many people think that buying shares of any of the funds is guaranteed to yield greater profits than when investing money in a regular deposit. Investing is always associated with risk, since the market value of securities is subject to fluctuations. While after closing the deposit, you are guaranteed to return the invested money with accrued interest.

The most basic parameters for decision making: risk, profitability and term

Earning passive income through investing is top notch. In order for the result to be positive, you need to decide on your own financial goal. To do this, you need to be aware of what factors are acceptable to you:

• risk level;
• profitability;
• a time period for which you can place funds without early sale of shares (the latter action is always fraught with loss of income).

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Most experts advise:

1. start with small investments;
2. to stabilize risks, form an investment portfolio from securities of various funds;
3. work for the future.

It has been noticed that only long-term investments give greater results. On the website of the Gazprombank Asset Management Management Company, experts provide recommendations on the minimum investment periods for funds (from 1 to 3 years).

Working with users

To register a new user on an ETP, you need to find “Users” in Settings, then in the “New user without electronic signature” sub-item, select “Adding a new user”.

In this case, the field must be filled in indicating the terms of office of the new user on the basis of a power of attorney.

After successful registration, he will receive an email confirming this.

It must be remembered that all operations that require an electronic signature will not be available to this user.

Subsequently, the administrator can view registered users, block them, change their permissions, or remove them from the database. In the Gazprombank electronic trading platform, new users enter their personal account only after the application is approved by the operator.

Each of the added users is assigned a specific role, which is indicated by a checkmark:

1. Procurement participant user. Prepares applications, sends requests, makes changes to data.
2. Authorized to submit applications for participation in various procedures. Prepares applications, publishes them, sends various requests and makes changes to data.
3. Authorized to submit price proposals. Participates in price proposal procedures and makes changes to data.
4. Authorized to place applications for withdrawal of money. Sends instructions to return funds from the procurement participant’s account and makes changes to the data.
5. Administrator of the procurement participant. Receives full set of powers. Creates, deletes, or changes accounts of added users, prepares changes in information about the registration of a procurement participant, sends an application to change information about user registration.