Bank "Initiative Financial": ncomo. "Initiative Financial": ncomo zabathengi kunye nabasebenzi

Uceba ube yabathengi ngaseludinini, ukugalela okanye ukuvula i-akhawunti, into yokuqala umntu akafane ukufunda imbali iziko zemali kuphela, kodwa kananjalo nohlolo ezininzi. "Initiative Financial" - oku kanye oko ngemali, leyo etsala ingqalelo. Inani elikhulu amasebe lonke Ukraine, wathi iziko-kwinqanaba eliphezulu zemali, xa imfuno kwiinkonzo zayo. Kwelinye icala, kukho into eninzi izoyikiso hayi ncomo ezithembakeleyo. Bank "Initiative Financial" inika iimeko umdla kakhulu intsebenziswano, kodwa izinto zokuqala kuqala.

A incinane

Bank othi "nyathelo Financial" ayikho iziko mali lokugqibela kummandla Ukraine. Imbali yawo yaqala ngo-2004. Kumanqanaba okuqala lombutho yalo yophuhliso unika iinkonzo high quality kunye ngabanye, yaye ngokomthetho. Ukusekwa ukumelana ngokupheleleyo kunye neemfanelo zabo, yaye uthi bungenjengezolo kuye. Ukusekwa ilungu loMbutho of Banks Ukrainian, ilungu Kiev PFTS stock exchange kunye "UkrCard". Ngenxa nemibutho ubulungu zebhanki ezifana eziqinileyo njengoko Pardo UNMA USWIFT ngokungqinelana ubungakanani kunye nohlobo asethi ezinkulu sokusebenza, indlu enxulumene iqela lesibini. Nangona uphengululo ezimbi, "iphulo Financial" kuthatha indawo yesine nokurhafiswa kweebhanki Ukrainian. I-capital ogunyazisiweyo 2 000 000 amawaka hryvnia. Umzekelo, ngethuba lokugqibela ingxelo kwamaziko ngeniso 2012 ingxelo emalunga 500 amawaka hryvnia. ingeniso Inzala kwi imeko olunyulu kwixesha yokugqibela ingxelo kulo nyaka ilingana 1.288.383 amawaka hryvnia. Kodwa le imbali.

iinkqubo ubenomtsalane abathengi

Bank "nyathelo Financial" idipozithi inika umdla kakhulu kwaye ngendlela elungileyo wenzala. Kukho izakhiwo ezininzi ngentsebenziswano kunye neenkqubo ezahlukeneyo:

• Eli phulo negalelo umdla ngenyanga. ubude bayo leenyanga ezili-12.
• Negalelo umdla ngenyanga intlawulo inzala kunye wemvula. Ixesha igalelo leenyanga ezili-12.
• inkqubo International kunye eyinkunzi kunye nokukwazi niwuzalise. Ubude yenkqubo iinyanga ezili-12.

Kukho iidipozithi ezifana "Major", "Onyanisekileyo" yaye "bobuqili." Baya kwahluka enye kwenye yaye zinika iimeko ezithandwa kakhulu kubatyali-mali. De-2012, iinkqubo malunga idiphozithi kwamaziko zemali baba ingxelo entle kakhulu. "Initiative Financial" Bank intlawulo ngexesha umdla ekupheleni kwekota yemali ukubuyela eendibaniselwano kubatyali-mali. Ukuhlukunyezwa yokuqala imithetho bambiswano wabonakala 2013.

Makhe babuyele imbali, sicinga izenzo ebhankini namhlanje. Bank "Initiative Financial" isebe apho zifumaneka kwiindawo ezahlukeneyo zelizwe; liziko nje Ukrainian. UMnini nezabelo zayo wakhetha LLC "Beka-Service." Njengoko ngusihlalo webhodi zeziko kuthatha Andrew Tsyktor. iziko Financial, kunye asethi kwi-mali ka-9.9 billion hryvnia, iye ubesoloko ethatha inxaxcheba ephambili imicimbi inter-bank kule minyaka yakutsha nje. Abameli amaziko achaphazelekayo ekutsaleni izixhobo eziphathekayo kumazinga aphezulu kakhulu. Kubalulekile ukuphawula ukuba ngaphezu kwe-50% yemali ephakanyiswe yibhanki, enyanisweni, mboleko zizodwa. Ngaphezu kwama-80% yemali eseleyo kwi inter - oku mboleko corporate. Amajelo osasazo ngendlela evuzayo iinkcukacha ukuba ibhanki engundoqo otyalwayo lisebenza umnini ngokwakhe, kodwa hayi kwi umntu, kodwa ubuso othile. Bakhmatyuk, nguye umnini amaziko esemthethweni ezalisa ongayifuniyo le ngcamango, ndimela yokuba ishishini lakho akukho udumo ngokusebenzisana kwiibhanki ezingamalungu.

Ngaphandle ubunzima

Yokuyisebenzisa ukususela ngo-2004, "iphulo Financial" ncomo abasebenzi Bank ezakhe engathandekiyo entle, wayesoloko uzalisekise izibophelelo zalo kubathengi. Phezu kwazo nje iingxaki, leyo ngomsi- omkhanyelayo umnini ziko, elo ziko mali iyaqhubeka ukunikezela uluhlu olubanzi lweenkonzo zoluntu, SME kunye necandelo loshishino. Phakathi izindululo ibalulekileyo:

• A Uluhlu elikhulu yesibambiso.
• ethunyelwe amazwe.
• Ukuphunyezwa lwemali kunye amatye anqabileyo.
• Ukugcinwa akhawunti ngoku, kuquka iintsimbi yenyani.
• Ukungeniswa kweziqinisekiso yebhanki.
• Daily kunye ngendlela RKO.
• Ukubonelela iiseli for zokugcina izibambiso, amatye anqabileyo.
• Umba, kuquka ukuthenga nokuthengisa yenkampani.
• Yokuqasha kunye kahle.
• umsebenzi Depositary.

Umbutho iyaqhubeka ukunamathela-nkqubo yayo: indlela ngamnye kumntu ngamnye. Umsebenzi zebhanki ziphambili kuqhutywa nge-ofisi eyintloko, apho ibekwe e Kiev. Ezininzi iBible self-nkonzo ziyasebenza kwizixeko ezifana Obukhov kunye Rivne, Dnipropetrovsk kunye eLviv, IDonetsk kunye Zaporozhye. Omnye amasebe ezinkulu - ibhanki 'inyathelo Financial "(eKharkov). Customer ngempendulo malunga isebe ngokuya ezintle.

Indlela ukuthatha umthengi?

iklayenti nganye liziko zemali ngomdla omkhulu wathetha ulwamkelo efudumeleyo. Malunga Abasebenzi lula, izisebenzi encume kunye nabaphathi bathi ncomo ezininzi. "Initiative Financial" - kwiziko apho linyibilikisiwe kakuhle ukwakha uluvo yokuqala elungileyo wentsebenziswano. Ukuba unayo imibuzo iingcali kakuhle uchaze yonke into, pick up inkonzo umxhasi nganye yifomati evumelana yena kakhulu. Njengoko uninzi, amathandabuzo malunga ukuthembeka ingqibelelo ntoni kuvuka. Kukho ucinge ukuba imali ngoku ezandleni ekhuselekileyo. Nangona kunjalo, oku kuphela umbono wokuqala, nokuthe kwiimeko kakhulu elahlekisayo. Kukho kwakhona kwelinye icala ingqekembe, esixelela nokubuyekezwa ezimbi. "Nyathelo Financial" kule minyaka mibini idlulileyo waqalisa ukuba bahlukumeze iimeko yentsebenziswano, echaza izizathu abangenagama. Ngaphantsi zokuhlaselwa abanini iidiphozithi.

Kwenzeka ntoni ukuba abanini yesibambiso?

Ukususela ngo-2013 yaqala ukubonakala ingxelo embi abantu kwi-Internet, leyo, ngokutsho kubo, kwafuneka ukuba imprudence ukuba owonithemba ukusekwa imali yabo. Ekuqaleni kahle konke nentsebenziswano. Inzala ethe rhoqo ngenyanga, ngaphandle kokulibazisa. Wonke cashed imali ngaphandle naziphi na iingxaki. Kufuphi 2014 amaqondo enzala idipozithi ziye kakhulu ukulibaziseka eyayibangela uchulumanco abathile phakathi abathengi. Le meko watshintsha iliso oyimfama gama nje andize ukususa idipozithi. Isimanga, kodwa zininzi izizathu zibe ukuba kutheni lo mbandela ayikho imali ebhankini karhulumente "nyathelo Financial". Iidipozithi, ezibe kwayo kakuhle, akazange hlamusela ngokwayo. Ngokutsho abagcinisa, iziko zemali sele ezifundisa inkqubo jikelele apho abantu bafuna ukunika isiqingatha ofisi ibhokisi sedipozithi, kodwa komqathango wokuba kwinxalenye yesibini igalelo bazakwenziwa-zilungiswe ngokungqinelana imvumelwano entsha ikota elitsha. Engazi ukuba njani imali yabo, abatyali-zimali ziye nokuba uyavuma zindululo ezinjalo.

Yintoni bekelelo imali yelinye ilizwe?

Aqine kuzo ziye kusoloko ezaziwayo "nyathelo Financial" yebhanki - iidipozithi. Izimvo kuzo kule minyaka ziye engathandekiyo ezintle. ubhavumo yokuqala ukuvela kwi Internet nakwindawo eendaba egameni abanini iidipozithi imali yelinye ilizwe. Babanga ukuba emva kokuba isivumelwano ibhanki wala ukunika iingalo eerandi. abasebenzi Agency wachaza, yaye siqhubeke ukucacisa zonke izithintelo NBU. Kulo mzekelo, enyanisweni, isakhelo ngqongqo enjalo ayikho. Ethunyelwe zivulelekile yaye wonke ubani enako nibahluba ibhanki okanye ikhadi imali esingadlulanga $ 500 okanye ezilingana amawaka 15 hryvnia. Ngokutsho kwezinye abaxumi, ibhanki ecetywayo ukukhupha imali iidipozithi angaphandle kweli lwemali kazwelonke, kodwa hayi kwi mali ngasentla, hayi ngaphezulu kwe 1000 hryvnia ngeveki. Le engenangqondo le meko, akukho mfuneko ukungqina kanye kwakhona. Enye bali edibene nabathengi abaye bagqiba kwelokuba lokuphelisa isivumelwano dipozithi ngenxa yeemeko zobuqu. Yintoni ukumangala kwabo xa, xa isebe lebhanki 'inyathelo Financial ", nokubuyekezwa abagcinisa elingaphambili mihle kuphela, ingxelo ilahleko umdla xa kuthe kokupheliswa kweso sivumelwano. Kulo mzekelo uxwebhu sele into ebhalisiweyo, apho phezu ukupheliswa ipesenti Partnership iya zibalwe ngokutsha ngomlinganiselo we-0.5%. Ukuze athi ezinye zavyaleno kwi izohlwayo -mali ka-17% ye-mali sedipozithi. Nantso into kwisivumelwano ncam ukuba. Kwiinzame ukucacisa le meko ukuphumeza abathengi ukuba owomileyo kwakhona kwi website esemthethweni ukufumana ulwazi. Iinkqubo ngalo mba aphantsi ngendlela namhlanje.

Imali ngokusebenzisa rally, izikhalazo kunye namajelo

Isibakala sokuba ibhanki 'inyathelo Financial "ingxaki sikude ekubeni engaphucukanga, yithini, hayi nje kuphela kweli ncomo intanethi, kodwa ukujikeleziswa kwande kwimidiya nkqu iKomiti Antimonopoly kunye neKomiti on Consumer Protection. Tshekisha ukuchaneka kwale ngcaciso kuyingxaki kakhulu, kodwa phezu emilebeni wonke. Emva yokwala ukunika abasebenzi yebhanki abathengi imali akuvunyelwanga esehlisa izandla zakhe waza waqalisa ukuba athathe amanyathelo. EKharkov, kwakukho nkqu uqhankqalazo ngaphandle isebe ndawonye iipowusta. Emva ukuphakamisa iziko zemali bebabaza, nangona kabuhlungu, kodwa ngokuthe ngcembe uqalisa ukuzalisekisa izibophelelo zawo. Kukho inkcazelo enokuthenjwa ngoko abantu bafumane imali yabo nzima, ke, kwiinyanga ezimbalwa kamva kuvunyelwene inxalenye. Eyona nto ibalulekileyo kukuba umphumo sele iphunyelelwe kwaye kule meko ilungelo likwazile yokuzithethelela, phezu kwazo nje iingxaki zoqoqosho, amaziko zemali nje kuphela kodwa karhulumente yonke.

Zeziphi manani?

Njengoko kukhankanyiwe ngasentla, nokubuyekezwa umthengi ngaseludinini 'inyathelo Financial "- Akusoloko okubambekayo umthombo wenkcazelo. okungakumbi ngale meko kanye yemicimbi entlanganweni uyakwazi ukuxelela manani ezisemthethweni. Sele ekhankanywe ukuba iziko zemali simo the NBU kwindawo yesibini, yaye kukho into ukuba neqhayiya. Ingxaki yeyokuba ingcaciso ichanekile, kodwa inxalenye kuphela. Indawo waya zebhanki ngokusekelwe kwisixa loyamano ukuqala asethi, ogama lingu- (ubalo yokugqibela) 17538523 hryvnia. Kwicala liabilities, imali leyo ilingana no 14.964.810 UAH, bazisa ibhanki kwindawo yesithathu simo efanayo ngo-2014 Kodwa eyona nto inomdla kakhulu ukuza. Kwikota yokugqibela kwiziko lemali-2014 lubonise imeko ilahleko ezizizo mali ka-86 394 hryvnia. Kwaye apha sele kukho nokuninzi esinokucinga. Eli xabiso yedijithali phantse ngokuzenzekelayo ukusekwa iphoselwe kwindawo 12 ngaphandle kwe-158.

iinzame Strange ukuphucula imeko

Nokukhutshwa igalelo isiqingatha uphinde kobhaliso kwinxalenye yesibini ye kwelinye iinyanga ezintandathu - oku asinguye kuphela oneninzi amaqhinga asetyenziswa 'inyathelo Financial "(Bank, Kiev). Customer ingxelo waxelela kakhulu umdla. Abanye abantu bacelwa ukuba uthathe kuphela inzala iidiphozithi, kwaye hayi ngaphezulu kwe-15% ye ubungakanani yedipozithi. Ngaphezu koko, abatyali-njalo Bakhoba ukuba ii-akhawunti zazo yogutyulo, yaye ke azinako ukuba, ukuba kuyimfuneko, kuyihlawula evenkileni. Ingxaki inoperability kunye namakhadi baphola, eyayibonwa kuqala ekuqaleni kuka-2014, ngoku sele kwayinto kungxamiseke ngakumbi. Ngokusesikweni, abasebenzi ibhanki ithi ukuba akukho ukunyhashwa kwicala yeziko kwi inkalo yokwenza izibophelelo phantsi kwesi siVumelwano Deposit no. Ngaphezu koko, uSekela CEO kwi umntu Andreya Demchenko ndlebe sikhulu evela impendulo ngqo, besondela ingqalelo iinkqubo bonus amaninzi, phezu ukunyuka kunokwenzeka umda kwi etsalwe kunye kwenzala zanda. Emva kokuchitha umfuniselo bokuphanda kwenye yeeofisi of Kiev, iingcali bafumanisa ukuba engasebenziyo amakhadi ngokwenene, ngoxa izandla mono ukufumana akukho ngaphezulu kwe-15% yemali yedipozithi kunye nenzala. amagqwetha abanamava ukubona imeko ukunyhashwa kwamalungelo oluntu kunye isongezo ngenkani idipozithi.

amatyala athandabuzekayo

Yonke into ebhalwe phezulu kuphela kukhokelela ingcamango yokuba ebhankini "nyathelo Financial" akanako ukunika inqanaba ngokupheleleyo amatyala abo. Ukuba kwixa elizayo le meko ayiyi kuzohlwaya, kunye nemiqathango kunikezelo iidiphozithi akayi ayeke ziyaphikisana umthetho Ukrainian kunye Code Civil, lo mbutho unakho kancinane gxotha umsebenzi wayo ukuqinisekisa iimeko. Ngelo xesha, ukuba kukho abantu abaye iidipozithi kule ndawo, apho ixesha lesivumelwano sele zaphela, kufuneka maluqhutywe ngolu hlobo:

• Thumela isikhalazo kwi-National Bank of Ukraine.
• Ukumangalela ibango malunga nendlela ukuchacha ngemali isixa esipheleleyo yedipozithi.

Namhlanje, ibhanki iyaqhubeka ukusebenza kwaye liqhubeka ukwamkela iminikelo evela kumaqela anomdla. Ungase sithi kufuneka ungamkholelwa izibhengezo zentengiso ezintle kunye nomdla wamlinga. Izimvo labaqeshwa ebhankini, kakade, eyakhayo, kodwa musa ingakumbi abakholelwa. Ukuba ndinixelela inyaniso, uze ukuphelelwa umsebenzi akekho ofuna. iingeniso ibonisa ngokuphelele Dynamics imeko corporation. Uphawu lokuqala ibonakala ingqalelo ngakumbi xa ibhanki inika izinga kakhulu lokhuphiswano inzala kwimali idiphozithi. Kubalulekile ukuqwalasela into eyabangela arhente zolawulo kwi elirhoxisa kwenxenye yenzuzo yaye ukuya ngaphaya kwimigangatho ezikhoyo.