"Yadothi Bank": kasitomala ndemanga, ndemanga. "Yadothi Bank": mavuto

Musanapite ku banki, aliyense kuphunzira mwatsatanetsatane za iye ndemanga. "Yadothi Bank" - Ndi mmodzi wa Chiyukireniya mabungwe ena azachuma, amene posachedwapa chidwi cha ndalama. Lero, monga ena ambiri establishments zofanana, kampani tikukumana ndi mavuto, koma moona kulankhula, ndi pafupi bankirapuse.

Tiyeni tibwerere ku m'mbuyomu

Zabwino zotsatilazi, "yadothi Bank" limene pali zambiri wodzazidwa ndi Internet pa nthawi imene bungwe ndalama zinachitika 16 mu kusanja Bank National komanso mu gulu lachitatu la mabungwe a zachuma. Likulu ovomerezeka a banki anali wofanana 557 141 zikwi hryvnia. Pa bwino otsiriza nyengo pansi review, kosamalira ndalama wasonyeza phindu la $ 1.107.892 hryvnia. Net chidwi ndalama 71.787 hryvnia. Malinga ndi zapamwamba polemba chinenero, izo kuyika mu bungwe monga "yadothi Bank", utsogoleli wogwirizira. Mabungwe 16 pa mndandanda, ndi ulemu umene boma watenga miyeso kwambiri. Iwo ayenera kuti anasintha eni anayi a gulu kwa zaka 4 otsiriza. The eni ziwiri zapitazi ntchito bungwe ndalama pongofuna cholinga cha achire la ndalama, anakopeka depositors pansi pa mitengo amazipanga mkulu chidwi.

kusintha zonse

Poyamba bwino ndiponso wabwino, "yadothi Bank" (Kiev), womwe July 2014 anatenga yaitali kuposa 16-TH ndi 42 TH malo kusanja wa NBU, August 22 wakhala ukulengezedwa insolvent. Kenako, Fund Wotsimikizira Gawo anapanga chisankho chofuna bungwe wogwirizira makonzedwe kwa miyezi itatu. Pa nthawi yomweyo ife anayamba kufufuza mphamvu kwa ndalama. Zimenezi zinali chotsatira cha flurry yaikulu ndemanga zoipa makasitomala. Anthu zikukangalika zolembedwa zonena mabungwe a zachuma komanso anakadandaula kwa akuluakulu osiyanasiyana chifukwa chakuti banki akuphwanya lamulo ndipo alibe kukwaniritsa udindo wake kwa depositors.

Kusintha utsogoleri - sitepe yoyamba kwa Kusakhazikika

Kamodzi anadzetsa bungwe monga "yadothi Bank", utsogoleli wogwirizira, anthu wakhala alipo yaitali kwambiri ndi zochititsa chidwi mbiri ya kusintha kwa umwini. Poyamba, bungwe ndalama linkatchedwa "Ikani-Bank Kryvbas", analengedwa mu 1995 pa dera la Kryvyi Rih. Pambuyo pa zaka khumi, mu 2005, bungwe analandira dzina latsopano - ndi "Ikani-Mawu Bank". Izo zinali kokha mu 2007 , ndalama bungwe anaonekera pamaso pa anthu mu maonekedwe yomwe akudziwa izo lero. kusintha Last dzina la banki anali kuyamba ndi mwini wake watsopano, amene kunapezeka kuti mkulu wa Zachuma "Oschadbank" Kolobov ankagwira naye Prikhodko ndi Davydenko. Udindo wa wapampando wa komiti anapita SERGEY Shcherbina. Malinga ndi iye, oyambitsa poyamba njira chitukuko tsogolo la bungwe ndalama. Akhafuna kubweretsa zokakamiza kuti ambiri Chiyukireniya mlingo ncholinga akagulitse. Yogwira kukula kwa kampani zinachitikadi popanda mbadwa ya katundu yekha likuvutika phindu.

N'chifukwa kwambiri odandaula depositors?

Wachisoni zotsatilazi, "yadothi Bank" amene anaonekera monga bungwe amalephera kutsatira udindo wake, anatsanulira kuchokera kumbali zonse. Kodi anachita mabungwe a zachuma monga makasitomala, ngati unali lolunjika pa utumiki okha mabizinezi a Krivoy Rog? Zinthu anafotokoza chifukwa chakuti kale mu 2007 kampani kunditumiza ku Kiev, nthambi zake anatsegulidwa mizinda ngati Dnepropetrovsk ndi Odessa, Kherson ndi Lviv, mu zina. Okwana panali 21 dipatimenti. Ulendo oyamba kugulitsa kale mwachangu osauka maukonde anapangidwa mu 2009. Kusintha kwa madongosolo anapanga mavuto padziko lonse cha 2008. zogulitsa ndikupeleka zinachitika mu 2010 chokha. Kusintha utsogoleri anali limodzi ndi yogwira bungwe ukuyenda bwino. Ndiyamika chuma Kirill Shevchenko Vadim Kopylov Institute chinakula kwa 1.4 biliyoni hryvnia. Kumayambiriro a 2012, mabungwe likulu anali wofanana biliyoni 2.9 Nchito hryvnia. Palibe anasonyeza kuti mauthenga chidzaonekera mu zaka zingapo zimene "yadothi Bank" sabwerera gawo.

wapawiri akagulitse

Kukula zabwino m'zitsanzozi ogwira nthaŵi yaitali. Mu 2012 ndi mu 2013 banki wakhala resold kawiri. Mbiri mdima kugwirizana ndi Tsyplakova, mmodzi wa eni otsiriza a m'banja. kukhazikika Financial anali pangozi pamene bungwe la wapereka ngongole mmodzi wa makampani bizinesi ya $ 40 miliyoni. Panali mphekesera kuti malonda anali ndalama likuvutika ndalama. Ngongoleyo akanapanda analipira, zikuoneka iye mwini wa banki palokha ndipo azikhululukidwa. Mu miyezi posachedwapa, ntchito yogwira banki, iye anakopa mphamvu zonse ndalama, anthuwo chuma ndi mlingo wa 26,5% kuwonjezeka kwambiri wamba index ku msika. Pamene nthawi ikutha mabungwe ndi ndalama kubanki "yadothi" kuti apereke madipoziti anakana.

Chigumukire wa ndemanga zoipa

zolephera zambiri mofulumira chidayala m'deralo, ndipo anthu anathamangira kutsirizitsa mgwirizano pakati ndalama. Chifukwa cha zimenezi, panali likulu outflow. A nambala yaikulu depositors odandaula chifukwa chakuti "yadothi Bank", mavuto anayamba chaka zapitazo, partnered ndi National Aviation University. madipoziti kasitomala, anakopeka gawo ili, malinga ndi ziwerengero kuyambirira, panali miliyoni 45 hryvnia. Ndi nthawi ya yozizira koopsa ndi nkhani akanakhalabe kuchuluka kwa okwana 2.5 miliyoni hryvnia.

Vuto loyamba ndi kuyesa kupulumutsa sitima imene ikumira

Pamene bungwe la ndalama kuchokera kumbali zonse strew ndemanga zoipa, "yadothi Bank" anatenga chidwi kwambiri malo amene anasonyeza kuti boma kuyesera njira zonse zotheka kutuluka. Mu yomweyi, yogwira malonda ndi zopereka kwapadera, mpaka kumayambiriro utsogoleli wogwirizira, ndipo ngakhale pa ntchito mwa mwambo ndi curator wa NBU Imachitika yogwira kukongoza malonda. Wamphamvu kumanga mbiri ngongole kunachitidwa likuvutika ndalama yaing'ono. M'pofunikanso ponena kuti ngongole kuchuluka kwa madola mazana angapo miliyoni ndinalandira kwa kampani likulu mayina mkati hryvnia zikwi zana. The anaiyamba wa ndalama akhoza anakayikira. Kunena zambiri, ndi makasitomala a banki, monga kampani "Air-Factoring" ndi "njira yodutsamo", "Best Ndithudi" ndi ena ambiri, sikuti palibe katundu alonjeza kuchuluka kwa ngongole, iwo analibe malangizo amene akhoza apatsidwe ndalama kuti aganyali . Pamene nyumba bungwe lalikulu, Krivoy Rog, "yadothi Bank" akadandaule ziyembekezo mkulu. Lero wakhala chida cha ndalama mwachinyengo, ngakhale mwalamulo kutsimikizira kuti sizingatheke.

Kodi anabisika kwa anthu?

Malinga ndi magwero boma, mavuto oyamba mu banki analembedwa mu 2013. Nthawi imeneyi, imfa opaleshoni anakwana timafupa miliyoni 22 hryvnia pamwezi. Chinthu chachirendo ndi chifukwa, phindu okwana kampani anakwana 1.7 miliyoni hryvnia. vuto ndi nkhani za bungwe ndalama zambiri kutali zenizeni. Mu April, ndi Bank National a Ukraine wapanga ndi ndalama mu "yadothi Bank", kusinthitsa ndalama zomwe akutsutsana wosiyana nsembe mpikisano. Voliyumu ya refinancing analipo pafupifupi mamiliyoni 77 hryvnia. Pa nthawi yomweyo mabanki akuyesera nthawi zonse kupereka ntchito boma kuti kumayambiriro utsogoleli wogwirizira. Ngakhale pamaso oyamba a ogwira makonzedwe kasamalidwe wakhala kwathunthu anakongoletsa. Anachotsedwa pafupifupi Mamembala a komiti. Ankafuna kugulitsa bungwe ndalama pa vutoli alephera.

Kodi kuchita?

Chifukwa chachikulu mavuto banki la - ndi nkhani ya ngongole illiquid makampani osiyana. Malinga ndi kazembe anabalalitsa wa Bank of miliyoni 320 unaperekedwa mu ngongole, 80 okha ndi returnable. Pa ena, inu mungakhoze basi muiwale izo. Ndipotu ina chidwi ndi kuti kampani amatamanda palimodzi mbisoweka. Ambiri sapita ndi chuma chawo pa Intaneti. maofesi Mwalamulo yopezeka pa zikalata kulembetsa kulibeko. Ndipo ena a kampaniyo ndipo onse anali anawawerenga adiresi chomwecho. Chipangizo zachinyengo mu nkhope. NBU kuti mwanjira kuthetsa miyala ya makasitomala, apeze njira yogwira. Apa tikukamba za invalidation wa wotuluka mwa muyeso wa malire ngongole, mwina chifukwa chakuti sanali ndi makonzedwe okwanira mu mabungwe ang'onoang'ono ndi ndalama. The IMF ndi utsogoleli wogwirizira ayenera kwambiri kugwirizana kuthetsa funso la chipukuta misozi kwa ndalama.

Kaya zinthu "Kristalbank" kukonza?

Pambuyo kuphunzira zambiri za nkhaniyi, anaganiza kuti akonze Transitional bungwe ndalama "Kristalbank" imene m'tsogolo ayenera kuthetsa zolakwa zonse "yadothi Bank" utsogoleri. polojekiti akuyendera pansi pa zothandizira mipingo yawo ya madipoziti Fund chitsimikizo cha anthu achilengedwe amene amapereka chiyembekezo kwa ndalama kubwerera kwa ndalama zawo. Likulu ovomerezeka a mabungwe Transitional FGVFL anabweretsa miliyoni 1,522 hryvnia chifukwa amawononga ndalama. Izi ndi kuchuluka mu 2015 adzakhala kwathunthu refunded. polojekitiyi ali watsopano kwa Ukraine ndi tsoka lake funso. Imathamanga lokha kuti ambiri zothandizira yogwira kulandira malipiro awo, ngakhale kunja kwa malire nthawi. Yogwira chitukuko nzeru bungwe ndalama udzapereka kuti maudindo onse kale anakumana ndi mapeto a 2015 anthu onse. Nthawi zambiri, FGVFL amathandiza 50 mabanki, kotero kuti anthu ambiri ndalama ndi mwayi kuti mutengeko ndalama zawo.