Bank "Financial Initiative": ndemanga. "Financial Initiative": ndemanga kasitomala ndi ndodo

Kufuna kukhala makasitomala a banki, mtsukowo kapena kutsegula akaunti, chinthu choyamba munthu kuphunzira mbiri okha ndalama bungwe, komanso ndemanga zambiri. "Financial Initiative" - ichi ndicho chimodzimodzi chimene bungwe chuma, zomwe anthu amakopeka. A nambala yaikulu nthambi mu Ukraine, ananena mkulu mlingo bungwe chuma, pa kufunika kwa ntchito zake. Komano, pali zambiri ndithu negativity osati mwa machitidwe ndemanga. Bank "Financial Initiative" limafotokoza zinthu zosangalatsa kwambiri za mgwirizano, koma zinthu oyamba.

A mbiri pang'ono

Bank yakuti "kanthu Financial" si mwambo ndalama otsiriza m'dera la Ukraine. Mbiri yake inayamba mu 2004. Mu magawo oyambirira a chipembedzo chake chitukuko amapereka chithandizo mkulu khalidwe kwa anthu, ndi malamulo. Kukhazikitsidwa kwa kwathunthu kupirira maudindo awo, ndipo akudzitengera izo sizinali iye. Kukhazikitsidwa membala wa Association of Banks Chiyukireniya, membala wa Kiev katundu kuwombola PFTS ndi "UkrCard". Pa nkhani ya mayanjano umembala banki cholimbacho monga Pardo UNMA OFULUMIRA ndipo malinga ndi kukula ndi mtundu wa chuma zolimbana likulu la, nyumba zokhudzana ndi gulu lina. Ngakhale ndemanga zoipa, "kanthu Financial" akutenga malo wachinai mu mlingo a mabanki Chiyukireniya. Likulu ovomerezeka ndi 2 000 000 zikwi hryvnia. Mwachitsanzo, pa lipoti nthawi yomalizira ya mabungwe phindu 2012 analipo pafupifupi 500 zikwi hryvnia. Chidwi ndalama ku boma oyera mu lipoti nthawi yomalizira ya chaka chomwecho ndi wofanana ndi 1.288.383 zikwi hryvnia. Koma izi zinachitika.

mapulogalamu wokongola makasitomala

Bank "kanthu Financial" gawo amapereka chidwi kwambiri ndi wabwino chiwongola dzanja. Pali akamagwiritsa angapo mgwirizano ndi mapulogalamu osiyanasiyana:

• kanthu chinathandiza chidwi pamwezi. nthawi yake miyezi 12.
• An chopereka chidwi kwa malipiro apamwezi chidwi ndi kubwezeretsa. Kutalika kwa zopereka miyezi 12.
• pulogalamu m'mayiko capitalization ndi luso kubwezeretsanso. Nthawi pulogalamu miyezi 12.

Pali madipoziti monga "Major", "Wokhulupirika" ndi "othandiza." Amasiyana mzake ndi kupereka zinthu zabwino kwambiri kwa ndalama. Mpaka 2012, mapulogalamu za gawo la mabungwe a zachuma anali maganizo abwino. Bank "Financial Initiative" yake malipiro chidwi ndi kumapeto kwa nthawi ya ndalama mgwirizano kubwerera kwa ndalama. Kuphwanya loyamba la malamulo a mgwirizano zinali kuonekera 2013.

Tiyeni tione mbiri, tiyenera kuganizira zochita za banki lero. Bank "Financial Initiative" dipatimenti zomwe zili mu madera osiyana a dziko, ndi bungwe mwangwiro Chiyukireniya. Mwini magawo ake mokomera LLC "Ikani-Service." Monga wapampando wa gulu la bungwe amatenga Andrew Tsyktor. bungwe Financial, ndi chuma kuchuluka kwa biliyoni 9,9 hryvnia, wachita mwakhama wotuluka yapakati-banki zisakuyenda bwino. Oimira mabungwe nawo kukopa chuma pa mitengo kwambiri. Dziwani kuti oposa 50% ya ndalama akudzutsa banki Kwenikweni, interbank ngongole. Oposa 80% ya ndalama kwambiri pa yapakati - ichi ngongole makampani. TV mwadongosolo ikudontha zomwe waukulu ngongole kubanki amachita monga mwini yekha, koma osati mwa munthu, koma nkhope ya bizinesi. Bakhmatyuk, iye ndi mwini wa mabungwe boma kuti mwadongosolo amakana chiphunzitso ichi, kukakamira chakuti malonda anu si amatamanda kugwirizana ndi mabanki osiyana.

Mosasamala kanthu za mavuto ndi

Zikugwira ntchito chiyambire 2004, "kanthu Financial" Bank ndodo ndemanga amene anali apamtima zabwino, amakwaniritsidwa nthawi zonse udindo wake kwa makasitomala. Ngakhale, amene kolimba amakana mwini wa m'banja, kosamalira ndalama akupitiriza kupereka osiyanasiyana mtchalitchi, SMEs ndi gawo amapeza. Mwa maganizo zofunika:

• A osiyanasiyana yaikulu madipoziti.
• Multilaterial remittances.
• Kukhazikitsa ndalama ndiponso zitsulo zamtengo wapatali.
• Chisamaliro cha nkhani masiku ano, monga zitsulo pafupifupi.
• Kugonjera kwa ukutitsimikizira banki.
• Daily komanso mwadongosolo RKO.
• Kupereka maselo kwa kusungiramo sheya, zitsulo zamtengo wapatali.
• Nkhani, kuphatikizapo kugula ndi kugulitsa kampaniyo.
• Kubwereketsa ndi factoring.
• Depositary ntchito.

gulu anapitiriza kumamatira malamulo ake: munthu njira iliyonse kasitomala. Waukulu ntchito banki imachitika kudzera ofesi yaikulu, limene lili mu Kiev. Ambiri kudziletsa utumiki kiosks ntchito m'mizinda monga Obukhov ndi Rivne, Dnipropetrovsk ndi Lviv, Donetsk ndi Zaporozhye. Mmodzi wa nthambi yaikulu - banki "kanthu Financial" (Kharkov). Kasitomala ndemanga za nthambi ya kunadetsa positive.

Kodi kutenga kasitomala?

Aliyense kasitomala ndi bungwe chuma ndi khama analankhula za phwando ofunda. About The ndodo wochezeka, akumwetulira olandira ndalama ndi Ngopambana kunena ndemanga ambiri. "Financial Initiative" - bungwe lomwe bwino anayesa kulenga koyamba bwino mgwirizano. Ngati muli ndi mafunso akatswiri bwino kufotokoza zonse, kukatenga chilichonse utumiki kasitomala ndi mtundu kuti Cholinga chake kwambiri. Pamene ambiri, kukayikira kudalirika ndi okhulupirika osadzuka. Pali kumverera kuti ndalama tsopano m'manja otetezeka. Komabe, ichi ndi chidwi poyamba, yemwe nthawi zambiri wonyenga. Palinso mbali ina ya ndalama, zomwe auze ndemanga negative. "Kanthu Financial" pa zaka ziwiri zapitazi wayamba kuswa zikhalidwe za mgwirizano kufotokoza zinthu zina zosamveka bwino. Zikuphedwa anali eni madipoziti lapansi.

Kodi n'chiyani chikuchitikira eni madipoziti?

Kuyambira mu 2013 anayamba kuoneka maganizo olakwika kwa anthu pa Intaneti, limene, mogwirizana ndi iwo, anali imprudence kupatsa kukhazikitsidwa kwa ndalama zawo. Pa zonse adachoka woyamba bwino mgwirizano. Chidwi accrued pa mwezi mwamsanga aliyense. Aliyense ndatapa ndalama popanda mavuto alionse. Pafupi kwa 2014 gawo chiwongola dzanja akhala kwambiri kuchedwa kuti anachititsa ena chisangalalo mwa makasitomala. zinthu anatembenuka ndi diso akhungu bola sanabwere kuchotsa gawo. Oddly zokwanira, koma kwambiri takuti anali chifukwa chake nkhani pa dzanja si ndalama kubanki boma "kanthu Financial". Madipoziti, munali ndemanga yabwino, kodi si zifukwa lokha. Malinga depositors, ndi bungwe ndalama wakhala akupereka dongosolo la chilengedwe chonse chimene anthu ayenera kupereka bokosi ofesi theka la chuma, koma pa chikhalidwe chimenecho gawo lachiwiri la chopereka adzakhala kachiwiri anakonza malinga ndi pangano latsopano latsopano yaitali. Kusadziwa momwe ndalama zawo, ndalama achuluka kugwirizana ntchito zoterezi.

Kodi madipoziti ndalama zakunja?

Mphamvu kuti nthawi zonse wolemekezeka "kanthu Financial" banki - madipoziti. Reviews a iwo pa zaka zimene anali apamtima positive. mkwiyo choyamba anaonekera pa Internet ndi pa TV m'malo mwa eni madipoziti ndalama zakunja. Iwo amati pambuyo pangano banki anakana madola manja. ndodo Agency anafotokoza, ndi kupitiriza kufotokoza kukaniza onse NBU. Pankhaniyi zoona, chotero chimango okhwima kulibe. Remittances ndi wotseguka ndipo aliyense angathe kumpolozera banki kapena khadi kuchuluka osati choposa $ 500 kapena yokwana 15 zikwi hryvnia. Malinga ndi ena makasitomala, banki akufuna kuti apereke madipoziti ndalama zakunja mu ndalama dziko, koma osati kuchuluka zakumwamba osati oposa 1,000 hryvnia pa sabata. The absurdity zoterozo zinthu, si kofunika kutsimikizira kamodzinso. nkhani ina chikugwirizana ndi makasitomala amene asankha kutsirizitsa mgwirizano wa gawo chifukwa mikhalidwe yaumwini. Kodi anali anadabwa pamene, mu dipatimenti ya banki "kanthu Financial", ndemanga ya depositors amene M'mbuyomo zabwino zokha, lipoti imfa chidwi mwambo kuchotsa pangano. Pankhaniyi chikalata wakhala mayina item, umene pa kuchuluka Partnership kuchotsa adzakhala recalculated pa mlingo wa 0.5%. Kunena zochuluka zavyaleno pa chilango kuchuluka kwa 17% kuchuluka gawo. Ndicho chimene mgwirizano sindizo ndendende anapereka. Pofuna kufotokoza zinthu kukwaniritsa makasitomala anali wouma kunam'sintha webusaiti nduna kupeza mfundo. Zokambirana pa nkhani imeneyi ndi masiku ano.

Ndalama kudzera masewera, madandaulo ndi TV

Popeza kuti banki "kanthu Financial" vuto ili kutali ndi kukhala zosafunikira, nkuti, osati ndemanga online, komanso ambiri kufalitsidwa mu wailesi ndi ngakhale mu Komiti ya Antimonopoly ndi Committee pa Kugula Chitetezo. Tsimikizani kuti zimenezi kwambiri mabvuto, koma pa milomo aliyense. Atakana kupereka ogwira ntchito za makasitomala gawo banki si adatchithisira manja ake n'kuyamba kanthu. Mu Kharkov, panali kuukira kunja dipatimenti anasonkhana ndi zithunzi. Pambuyo kuukitsa kukomeza bungwe la ndalama, ngakhale monyinyirika, koma pang'onopang'ono ayamba kukwaniritsa udindo wake. Pali zambiri zokhudza zimene anthu kupeza ndalama zawo movutikira, ngakhale, ndi miyezi ingapo ndipo anavomera mbali. Chinthu chachikulu ndi zotsatira wakhala akwaniritsa ndi kuti imeneyi ndi ufulu anakwanitsa kuteteza, ngakhale mavuto azachuma, mabungwe a zachuma komanso ya boma lonse.

Kodi zochitika za pa?

Monga tanena ndemanga makasitomala a banki "kanthu Financial" - si nthawi zonse wodalirika amawatenga. Zambiri za boma lenileni la zochitika mu bungwe ndi kudziwa ziwerengero boma. Tanena kale kuti dongosolo ndalama kusanja wa NBU mu malo yachiwiri, pali chinachake chonyaditsa. vuto ndi kuti zili zolondola, koma pang'ono. Malo anapita banki zochokera kuchuluka kwa chilungamo ndi kuyambira katundu amene kukula (n'kulemba lomaliza) 17538523 hryvnia. Kumbali ngongole, kuchuluka amene ali wofanana UAH 14.964.810, anadza banki kuti malo lachitatu kusanja chomwecho mu 2014. Koma chinthu chidwi kwambiri kubwera. Pa kotala otsiriza 2014 bungwe ndalama wasonyeza imfa yopanga zinthu kuchuluka kwa 86 394 hryvnia. Ndipo apa kale pali zambiri zoti tiziganizire. Khalidwe limeneli digito pafupifupi basi kukhazikitsidwa anaponyedwa pa malo 12 mwa 158.

zoyesayesa zachilendo zisinthe

Kulengezedwa kwa theka chopereka mu kukonzanso kulembetsa kwa gawo lachiwiri la kwa miyezi isanu ndi umodzi - uwu ndiye m'modzi yekha wa ndale ntchito ndi "kanthu Financial" (Bank, Kiev). Kasitomala ndemanga anauza zambiri zosangalatsa. Anthu ena anafunsidwa kuti azimwa chidwi pa madipoziti, osati oposa 15% ya kukula kwa gawo lapansi. Komanso, ndalama mowirikiza chizindikiro kuti nkhani watsekedwa, ndipo iwo sangathe, ngati n'koyenera, kulipira pa sitolo. Vuto la inoperability ndi makadi wofooka, adayamba kumaoneka pa chiyambi cha 2014, tsopano kwambiri mwamsanga. Mwalamulo, antchito banki a amanena kuti palibe kuyan'anila pa mbali ya bungwe mu mbali ya ntchito udindo mu Gawo mgwirizano palibe. Komanso, wachiwiri CEO mwa munthu Andreya Demchenko boma kuyankhulana lamanzere yankho lolunjika, ndipo anafotokoza mapulogalamu ambiri bonasi, pa kuwonjezereka n'zotheka malire withdrawals ndi mitengo chinawonjezeka chidwi. Atakhala ndi kuyesera investigative mu umodzi mwa maudindo a Kiev, akatswiri anapeza kuti makadi kwenikweni ali wofooka, pamene manja rekodi kupeza zosaposa 15% kuchuluka gawo ndi chidwi. maloya odziwa kuona zinthu kuphwanya ufulu wa anthu ndi prolongation amakakamizidwa a gawo lapansi.

N'zokayikitsa liquidity

Chirichonse cholembedwa pamwamba yekha kumabweretsa mfundo yakuti banki "kanthu Financial" sangathe kupereka mlingo mulingo woyenera kwambiri liquidity awo. Ngati posachedwapa zinthu sisintha ndi zikhalidwe kwa issuance wa madipoziti sadzaleka zikutsutsana Chiyukireniya malamulo ndi Civil Code, gulu akhoza pang'ono suspend ntchito yake kuti akaone mmene zinthu zilili. Pa nthawi imeneyi, ngati pali anthu amene madipoziti pamalowo, amene mawu a pangano kale wotopa, iwo ayenera chitani motere:

• Tumizani dandaulo kwa Bank National a Ukraine.
• Akambirane mfundo za momwe achire bungwe ndalama kobiri yonsene ya gawo lapansi.

Lero, banki lidakali ndipo akupitiriza kuvomereza zopereka maphwando chidwi. Inu mukhoza kunena kuti simuyenera kukhulupirira malonda okongola ndi chidwi namuyesa. Reviews antchito a banki, ndithudi, zabwino, koma iwo alibe amakhulupirira. Kunena zoona, kenako kutaya ntchito aliyense akufuna. phindu mwangwiro chikusonyeza mphamvu ya zinthu ku bungweli. Mbendera koyamba kukhala tcheru pamene banki amapereka ndalama mpikisano kwambiri chidwi pa gawo lapansi. Ndi zothandiza anachititsa mabungwe kasamalidwe pa kalata yomasulira tsankho la phindu ndi kusuntha yoposa mfundo alipo.