"Baltic Bank": iingxaki "Central Bank" (2014)

"Baltic Bank" - enye ezabelwe zindala zorhwebo, waqalisa umsebenzi walo kummandla Russian Federation ngo-1989, emva kokufumana mvume afanelekileyo kwi-Bank of Russia. Ukuthembeka kunye nobuchwepheshe Inqanaba lokuhlomla ubonisa iziko zemali kwinkqubo inshorensi yedipozithi kunye noluntu USWIFT. Kodwa akunjalo kungekudala kwixesha elidlulileyo, kukho ubungqina bokuba kukho iingxaki kwi "Baltic Bank" kunye Central Bank.

History of uphuhliso

Leningrad Innovation Commercial Bank labizwa ngokuba "Baltic" kwiinyanga ezimbalwa emva kokuba umbutho. Kwiminyaka emine emva koko, wafumana ilayisensi yokuqhuba imicimbi yamanye amazwe kunye wajoyina USWIFT. Ngo-1994 waqalisa ukusebenza amatye anqabileyo, umba amakhadi Mastercard. Ngelo xesha, kwakukho ezinjengeetheminali abafumana amakhadi. Ekusunguleni inkqubo ufikelelo olusisiseko kwi-akhawunti. Emva konyaka, ibhanki yaqalisa ukunikela iikhredithi ukwamkeleka kwaye yaphunyezwa wokuqala yetsheki.

Ngowe-1997 kwafika-ATM yokuqala "Baltic Bank", yaphehlelelwa yinkqubo kweentlawulo ikheshi, kwakunye intlawulo yeenkonzo eluncedo. iprogram mortgage kunye nemoto mboleko yaqaliswa kwiminyaka emibini kamva. Ngo-2000, i-amakhadi zokuqala zaye zakhutshwa MVUME LOKUNDWENDWELA LEXESHANA Electron, Gold, Business and Classic. Ngasemva debit waqala ukukhutshwa amakhadi ngetyala. "Baltic" waba lilungu inkqubo yentlawulo "Golden Crown".

Ngo-2010, uluhlu lweenkonzo zemali ziquka: iidipozithi kwi lwemali kazwelonke amazwe, ukuphunyezwa kwe credit cards kunye nentlawulo, mboleko ukulungiselela iinjongo ezahlukeneyo, ukuvulwa kunye nokugcina iingxelo, transfers imali, kubandakanywa nenkqubo Western Union, ukufumana intlawulo, intengiselwano kunye Central Bank, ekhuselekileyo dipozithi ibhokisi irenti, njalo-njalo.

iziphumo

Xa ndandineminyaka eli-24 yokusebenza ibhanki bafumana abathengi zabucala 18.000 yequmrhu kunye 2.5 million, uvelise uthungelwano ofisi kwizixeko 31 Russian Federation, ukhuphe amakhadi zeplastiki ngaphezu kwezigidi 1.3 nefakiweyo sisiqingatha ATM amawaka. Intsebenziswano kunye UNION KOLONI, MasterCard kunye MVUME LOKUNDWENDWELA LEXESHANA International negalelo kuphuhliso yentlangano zemali. Ngo-2012, elo ziko lamatyala kwenzeka 66th ngokwemiqathango net assets, 13 ngenani amakhadi zeplastiki kunye ATM.

"Baltic Bank": iingxaki

20.08.2014 I-Central Bank yabhengeza ukuqaliswa ngokommiselo kwe ulawulo wexeshana kwi "aseBalti". Lo msebenzi unikwe "iidipozithi Arhente Strass" isithuba seenyanga ezintandathu. Phantsi sicwangciso, YOSUKU, ukuba bagcine amatyala ngaseludinini ziya kuxhaswa yi engange billion 10 ebudeni balo nyaka. Ukulawulwa kwenkqubo ekuphulukenwe nalo luyenziwa YOSUKU. Kwixa elizayo kufuneka ukhethe kwikhaya lokonga.

kutshanje Kuye esazi isigqibo senkundla ulamlo lwe ukhutsho ibhanki ukususela kwisakhiwo. Ixesha le uqeshiso kwisakhiwo ziphela ngo May 2013. Uxwebhu utyikitywe i "Agency Management Federal Property" ngo-2004. Umqeshiswa - "Baltic Bank" (St. Petersburg). Ingxaki yezococeko sibi impixano yangaphakathi-zabelo. Ngokutsho kwisiza, ii-asethi yeziko mali eziphethwe yi wayo Oleg Shigaev, LLC "Baltic Trade House" (ngokuba 49,877%) kunye Elena Prokhorenko (0.13%). Ngaphezu konyaka kukho amarhe ukuba ibhanki ufuna ukuthengisa. Kodwa zabelo ayikwazanga bavumelane kwixabiso. Ukusombulula iiyantlukwano zabo baya enkundleni.

Iinkcukacha ezingaphezulu malunga nococeko

Ngokutsho umhlaziyi, isixa ukuba Central Bank abanikezelayo ngenxa kwakhona, nto incinane kakhulu, ngoko ke umgca akanyanzelekanga ukuba silindele kweso sibhedlele. Kwiingxowa zazo, "Bank of Russia" iya kubonelela mboleko engange 10 billion, ngelixa yomlawuli kufuneka ukufumana umtyali-mali ukulungiselela kwakhona kwiziko lamatyala. Kodwa ukuvela izityholo imisebenzi ezingalunganga yeziko yezimali kunye nempahla mandundu le meko. Ukuba ulwazi kuqinisekisiwe, ulwazi oluqokelelweyo luza idluliselwe kwi-arhente zokunyanzeliswa komthetho. Ukuza kuthi ga ngoku, ibhanki iyaqhubeka ukusebenza, ngokubonelela uluhlu olupheleleyo lweenkonzo ngaphandle kokulibazisa uphaphazele.

Iingxaki kwi "Baltic Bank" ngenxa yenani elikhulu "non-yokusebenza" asethi. Oku kuye kwakhokelela ekubeni kumngcipheko amatyala. Abanezabelo kunye nabaphathi akakwazi ukulawula imali engange ezingaphezu kwama-40 ezigidi. Le meko, kwelinye icala, ibangela iingxaki zemali, kunye kwelinye - yenza kube lula ukutsala abatyali ezintsha kwi "Baltic Bank".

Iingxaki kunye Central Bank ngenxa yokuba kwiziko zemali akazange ireyithingi omnye ngetyala mva. Akunamsebenzi ukugcina mali lwecandelo loluntu lwengingqi. Ekupheleni konyaka ophelileyo, "Expert RA" liye lathotywa okurhafisa ibhanki elifanelekileyo ngokulinganayo kwemali eyinkunzi ephantsi yaye isixa esikhulu akhawunti ezifunyenweyo.

Imiqobo alulame

Ngokutsho Interfax, 69 ngokwemiqathango asethi ithatha "Baltic Bank". Iingxaki ezinokuvela 2014 ngexesha inkqubo ekuphulukenwe nalo. Kwiziko enkulu lekhredithi kuba izibophelelo ezintsha. Inxalenye enkulu ye-asethi enxulumene umnini weshishini. Ngoko ke, enqwenela ukuphilisa embizeni kancinane. Imali ngqo asethi ezingamalungu uya kwaziwa iziphumo zomsebenzi YOSUKU. Kodwa ke kukho ubungqina ngoku. Ibhanki linemali ngelungelo lokugcinela omnye umntu into sabelo abangama engange-4.6 billion. Ixabiso lentengiso abaninzi kubo esondele zero. Inxalenye ebalulekileyo yeephothifoliyo layo mboleko - 18.7 bhiliyoni engange - abasayi kubuyela kulo. Ngokusemthethweni, i "Baltic" liye lafumana nanzuzo iinyanga ezintathu 2014. Kodwa ukuba uthabathe kwesi sixa-zabelo izipho ingeniso evela zihlawulelwa simahla, ingeniso iba ilahleko. Abaviwa ezingundoqo indima sibhedlele - "Alfa-Bank" yaye "Ubomi".

ukuqhubela phambili kwale meko

Enye umqobo endleleni eya recovery - portfolio ingafanelekanga. Bank waphakamisa imali ngokusebenzisa iidipozithi eninzi. Kodwa ke akukho nto ukubuyela kubo. Asethi "Baltic" ephantsi imivuzo. line Main amanyathelo namhlanje - beni mboleko ukuba amaqumrhu asemthethweni kunye notyalo-real estate.

Kwiinyanga ezintandathu ezidlulileyo, ibhanki engundoqo iye lakuphelisa iziko zemali ukuthatha imali eluntwini. Abameli awuthunyelwanga samkelwe. Ngenxa yoko, ngoJuni, kwathiwa ingxelo nokulibaziseka intlawulo. "Baltic" kuchaza luncedo omncinane ngemali. Namhlanje ku kwisiza "Bank of Russia" ulwazi malunga nokungqinelana neemfuno amatyala kwiziko lemali bengekho.

"Baltic Bank": iingxaki umthengi

Emva iingxelo malunga neengxaki abantu babalekile ukurhoxisa imali evela akhawunti. Oku kuchaphazela yokuhlawula amatyala yeziko zemali. Abathengi - nkqu phambi onke amaxwebhu afunekayo - ayikwazanga ukususa iidipozithi ngendlela ecwangcisiweyo. Singasathethi ukupheliswa kwexesha lesivumelwano.

Kule minyaka ilishumi idlulileyo, inqanaba lenkonzo iye zahlala zilolo hlobo zazilulo. Ukuze uvule idipozithi kwi ebhankini, umthengi kufuneka kuqala wayeqhelene eziliqela imiqathango. Okokuqala, imali enkulu ngenxa ukupheliswa ngaphambi kwexesha lesivumelwano. Okwesibini, kwi-akhawunti kuphela isixa encinci ngemali. Ophelileyo, yaye inkoliso ongaqondakaliyo - ekupheleni kwesivumelwano ukutshintshela iimali kwelinye iziko mali akakwazi. "Baltic Bank" imiba ngo-2014 icacisa umgaqo-nkqubo wolawulo yethutyana. Kodwa kudala ngaphambi kokuba izohlwayo ebekwe inqanaba lenkonzo yomxhasi eyashiya ukuba ezinqwenelekayo. izigxeko umthengi emininzi amaqonga ukuqinisekisa oku. Hayi ukuba aluhlaza, esilishumayelayo kuphela abanye babo.

Ukwenza imisebenzi ezininzi ezingundoqo (.. Intlawulo iindleko ze eziluncedo, njl) kwisebe ithatha isiqingatha seyure - unxibelelwano liqhawuke kunye nomphathi kunye osethilini ngaseludinini. Abo banqwenela ukwenza iintlawulo nge internet banking ulindele wothuka ngakumbi ngohlobo lwe-software eyongeziweyo iyahambelana kuphela kwi Windows yokusebenza (hayi malunga iOS kanye Android ukuba bathini). Kodwa le nto xa kuthelekiswa "umntu" utyikityo ngembopheleleko nganye intlawulo yomlawuli iqumrhu elisemthethweni. Fumana ixesha langoku iinkcazo imini - 13:00.

Inani elikhulu lwemisebenzi "lokuqala", inzala aphezulu ngetyala kunye nekhadi nkonzo ngequbuliso yogutyulo, iiofisi zimdaka, abasebenzi benkonzo engathethekiyo - iingxaki eziqhelekileyo with "Baltic Bank", kodwa ke, njengokuba kuvela, ayonto kakhulu ...

ukusilela kwinkqubo

Kutsha nje, ziye iingxelo kwiiforam okhalaza ngakuthile ukubiwa imali akhawunti apho. Abathengi ukuba iingxelo locingo ukurhoxiswa imali iinkonzo online, umzekelo, "Yandex", ngaphandle isiqinisekiso yi wekhadi. Nkqu ukungeniswa kwangethuba isicelo kwisebe ukusombulula le ngxaki. Imali ibuyiselwe kwi-akhawunti angeke. Kakade ke, ukubiwa imali kwi-akhawunti ye client kukho iwayini. Akukho mfuneko kwakhona ukushiya kwiiwebhusayithi data amazwe kwimephu yakho. Kodwa namhlanje, yonke ibhanki self-nokuhlonipha ubuncinane lwazisa miqobo ekusebenziseni kwimicimbi-mali nge-Internet, kwakunye ubuninzi - zokurhoxiswa nganye iza kulindela ukuba isiqinisekiso SMS evela client.

Ezi foram nazo rhoqo ukuhlangabezana izikhalazo zabathengi 'ukutshintsha izigqibo ngemali kwi ngomzuzu wokugqibela. "Baltic Bank" uchaza iingxaki kakuhle kule nkqubo. Kwaziwa izandulela xa isibini kweeyure emva kokuba isicelo semali-mboleko kwikhwelo umxhasi umva ukusuka ebhankini kunye wamenyelwa kwiofisi nokuhlawulwa la maxwebhu. Kodwa ke isebe wathi ukungaphumeleli Inkqubo yakhokelela isiqinisekiso lesiphoso isicelo. Izimvo ...

isishwankathelo

Ngoko, kwelinye iziko lamatyala, wawa phantsi "wokuhlanjululwa 'le-Central Bank -" Baltic Bank ". Iingxaki kunye Central Bank ngenxa yenani elikhulu-asethi lwembali. Lo mba ke YOSUKU. Mhlawumbi, ukuba ingasombululwa kakuhle, abatyali abatsha abanomdla ekuphuculeni inkonzo. Ngexesha ubukho iingxaki "Baltic Bank" ezinxulumene mgangathweni wenkonzo, awaba nako ukusombulula ngokwabo.