"Terra Bank": ingxelo umthengi, ncomo. "Terra Bank" JSC: iingxaki

Phambi kokuba uye ebhankini, wonke umntu ofunda ngokweenkcukacha ngaye impendulo. "Terra Bank" - lelinye lamaziko Ukrainian zemali, osanda kwatsala ingqalelo abatyali-mali. Namhlanje, njengamanye ezithuba ezininzi ezifanayo, le nkampani abaneengxaki ezithile, kodwa ngokuphandle ethetha, ibe phezu kwala kancane ungonakala.

Makhe siye umva elidlulileyo

ingxelo entle, "Terra Bank" apho kukho basoloko kakhulu ezaliswe Internet ngexesha xa iziko zemali senzeka 16 kwi ukalisho National Bank kwaye zibandakanyiwe xa iqela lesithathu amaziko zemali. Ikomkhulu ogunyazisiweyo ye ibhanki wayelingana 557 141 amawaka hryvnia. Kule yokugqibela ngempumelelo kwethuba eliphantsi kwengqwalaselo, iziko zemali lubonise inzuzo $ 1.107.892 hryvnia. ingeniso umdla Net of 71.787 hryvnia. Ngokutsho ezakudala na uhlobo, ngoku ifakwe kwiziko ezifana "Terra Bank", ulawulo wethutyana. Amaziko kwi 16 kwi kuluhlu, ngokuphathelele apho urhulumente uthathe amanyathelo ngokukhawuleza. Kufuneka kuthiwe batshintsha abanini ezine lombutho iminyaka emi-4 edlulileyo. Abanini ezimbini zokugqibela babesebenzisa iziko zemali kuphela ngenjongo ukurhoxiswa imali, nto leyo kwatsala abagcinisa phantsi amazinga kakhulu eliphezulu umdla.

zonke izinto ziyatshintsha

Ngaphambili omhle ozele amathamsanqa, "Terra Bank" (eKiev), nto leyo ngoJulayi 2014 bathatha ixesha elide ngaphezu indawo we-16 th-42 kwi-nokubeka NBU, Agasti 22 kuye kwavakaliswa utshonile. Emva koko, i-Deposit Guarantee Fund wenza isigqibo malunga abangena kwiziko lolawulo wethutyana isithuba seenyanga ezintathu. Kwangaxeshanye siqale uphendlo esebenzayo kubatyali-mali. Izenzo ezinjalo ngenxa ukugcwala omkhulu ncomo zabathengi ezimbi. Abantu izimangalo amaziko zemali ngenkuthalo ebhaliweyo kwaye bakhalaza amagunya ezahlukeneyo ngenxa yokuba ibhanki kukwaphula umthetho kwaye engazifezekisi iimfanelo zalo ku abagcinisa.

Utshintsho lobunkokheli - inyathelo lokuqala ngayo kozinzo

Xa kuqaliswa kwi elo ziko njenge "Terra Bank", ulawulo wethutyana, uluntu iye elide kakhulu yaye umdla kwimbali ekhoyo utshintsho lobunini. Ekuqaleni, lo iziko mali iye yaziwa ngokuba "Beka-Bank Kryvbas", wadala 1995 ngomhla kummandla Kryvyi Rih. A elishumi emva koko, ngo-2005, elo ziko wafumana igama elitsha - i "Beka-Credit Bank". Kwaba kuphela ngo-2007 , i-mali iziko wavela phambi zoluntu ngendlela apho uyazi ukuba namhlanje. Utshintsho lokugqibela lwegama ibhanki likaThixo lwaqaliswa umnini wayo omtsha, loo nto yeza ukuze abe ngumlawuli we-Ofisi kaNondyebo "Oschadbank" Kolobov wasebenza naye Prikhodko kunye Davydenko. Isikhundla Usihlalo we bhodi waya Sergey Shcherbina. Ngokutsho kwakhe, abaqali ekuqaleni ukuba isicwangciso sophuhliso elizayo leziko zemali. Babefuna nje ukuba iziko ukuya kwinqanaba Ukrainian jikelele ngenjongo zokuthengiswa. uphuhliso Active kwenkampani lwaqhutywa ngaphandle stock-asethi, kuphela iindleko inzuzo.

Kutheni kangaka yimiphumela abagcinisa?

ingxelo okugwenxa, "Terra Bank" esavela njengeziko akaphumeleli ukuthobela neemfanelo zalo, wathulula evela kumacala onke. Apho wenza amaziko zemali nabathengi, ukuba ngaphambili ingqalelo inkonzo kuphela amashishini of Krivoy Rog? Le meko wachaza into yokuba sele ngo-2007 le nkampani yadluliselwa eKiev, amasebe ayo avuleka kwizixeko ezifana Dnepropetrovsk kunye Odessa, Kherson kunye eLviv, phakathi kwezinye. Xa iyonke kwakukho malunga 21 sebe. Lilinge lokuqala ukuba athengise sele ngokubonakalayo womnatha asakhasayo yenziwa ngo-2009. Uhlengahlengiso kwizicwangciso wenza nengxaki yehlabathi ka-2008. ukuthengiswa transaction kwenzeka ngo-2010 kuphela. Utshintsho lobunkokheli sakhatshwa liziko esebenzayo achumileyo. Ngenxa asethi KIRILL Shevchenko Vadim Kopylov Institute bakhula 1.4 billion hryvnia. Ebutsheni bowe-2012, amaziko eyinkunzi wayelingana 2.9 billion hryvnia. Akukho nto lubonise ukuba imiyalezo izakuvela kwi kwiminyaka embalwa elandelayo ukuba "Terra Bank" ingabuyeli idipozithi.

zokuthengiswa Dual

Kuphuhliso lwe Imeko ibhizinisi akuyi kuhlala ixesha elide. Ngo-2012 no-2013 ebhankini sele lithengiswe kabini. Imbali emnyama ezinxulumene Tsyplakova, Wayengomnye wabanini zokugqibela kwiziko. uzinzo kwezemali isichenge xa iziko linikezele-mboleko ukuya kwenye iinkampani somashishini of $ 40 ezigidi. Kukho amarhe ukuba soshishino imali ngeendleko abatyali-mali. Ityala ukuba bengahlawulwanga, oko kungenzeka nguye umnini ebhankini ngokwayo yaye zixolelwe. Kwiinyanga yakutshanje, umsebenzi ebonakalayo ebhankini, waza watsala yonke imikhosi zabatyali-mali, labanika idipozithi malunga nomlinganiselo oyi-26.5%, ukunyuka okubonakalayo we computeryomndilili index kwi emarikeni. Xa ixesha liyaphela ubuqabane kwibhanki abatyali "Terra 'ukuba akhuphe iidipozithi lehla.

Ezincwadini lokubuyekeza ezimbi

ukusilela Ulwazi ngokukhawuleza yazandlala ekuhlaleni, kunye nabantu indulumbane lokuphelisa isivumelwano ndirhoxise imali. Ngenxa yoko, kwakukho sisixa semali eyinkunzi. Inani elikhulu kwabagcinisi yimiphumela ngenxa yokuba "Terra Bank", iingxaki eyaqala kunyaka odlulileyo, uzimanye kunye National Aviation University. iidipozithi Customer, ndinomdla ingxenye, ngokutsho uqikelelo preliminary, kwakukho million 45 hryvnia. Ngexesha qhwa ngokupheleleyo akhawunti bahlala mali esizigidi 2.5 hryvnia.

Ingxaki yokuqala kunye mzamo ukusindisa kwinqanawa ezikayo

Xa iziko mali evela kumacala onke strew ncomo ezimbi, "Terra Bank" wathabatha kwisigxina umdla kakhulu ukuba yabonisa ngokucacileyo ukuba urhulumente uzama zonke iindlela kunokwenzeka ukuze imali ngaphandle. Ngaxeshanye, ad esebenzayo kunye yegalelo elibalaseleyo, ukuya ekuqalisweni wolawulo lwethutyana, kwaye nkqu emsebenzini ngaphakathi kwiziko kunye omlawuli i NBU, wayeqhuba ishishini yokubolekisa esebenzayo. yokwakha enamandla iiphothifoliyo mboleko yaqhutywa ngeendleko-zimali ezincinane. Iyafuna esithi-mboleko kwi-mali amakhulu ezigidi zeerandi ezifunyenwe eyinkunzi ebhalisiweyo yenkampani ngaphakathi ezilikhulu lamawaka hryvnia. Awushiye mali ngokulula kubizwa ibe mbuzo. Ukuze athi ngaphezulu, angabaxhamli ze ebhankini, njengoko inkampani "Air-ukuyicazulula" yaye "indlela", "Ikhosi Best" kunye nabanye abaninzi, akabanga asethi ufunge nje kuphela imali-mboleko, abazange babe izalathiso, leyo anikwe imali ukutyala . Xa indlu iziko elikhulu, Krivoy Rog, "Terra Bank" bafaka ithemba eziphakamileyo. Namhlanje iye yaba sisixhobo okuxhaphaza imali, nangona zibonakalise ngokusemthethweni ukuba akwenzeki.

Yintoni lalifihlakele eluntwini?

Ngokutsho imithombo ezisemthethweni, ubunzima yokuqala ebhankini zabhalwa ngo-2013. Ngeli xesha, ukulahlekelwa zokusebenza yaba eStrand 22 million hryvnia ngenyanga nganye. Le into engaqhelekanga kukuba ngenxa yoko, ingeniso epheleleyo inkampani yaba ukuya kwizigidi 1.7 hryvnia. Ingxaki kukuba iingxelo zeziko zemali kude abakuso. Ngo-Epreli, i-National Bank of Ukraine wenze utyalo mali kwi "Terra Bank", izinga lotshintshiselwano leyo kakuhle engafani iminikelo zikhuphisana '. Umthamo mboleko yaba malunga 77 million hryvnia. Ngelo xesha iibhanki bazama lonke ixesha ukuhlawula ityala kurhulumente phambi kokuba kuqaliswe lolawulo yethutyana. Kwanangaphambi kokuba ukuqaliswa wolawulo yolawulo iye zalungiswa. Ababegxothiwe phantse onke amalungu ebhodi. Imizamo ukuthengisa iziko yezimali ngexesha lokudodobala ethe asilela.

kufuneka enze njani?

Esona sizathu siphambili iingxaki ibhanki leyo - ngumba-mboleko illiquid iinkampani amanyeneyo. Ngokutsho kwirhuluneli ugxothiwe ye-Bank of 320 yezigidi linikiwe mboleko, 80 kuphela returnable. Kwelinye icala, ungenza nje uyilibale. Okunye okunika umdla kukuba nkampani efakwe ngokupheleleyo shwaka. Abaninzi musa nokuba izibonelelo zabo kwi-Internet. ofisi ababhalisileyo ezidweliswe kwi amaxwebhu yokubhalisa azikho. Kwaye ezinye zezi nkampani yaye bonke ababhalisiweyo kule dilesi enye. scheme ubuqhophololo ezintsonkothileyo ebusweni. NBU ukuphelisa thile iidiphozithi lwabathengi, kufuneka athathe amanyathelo asebenzayo. Apha sithetha malunga invalidation yemicimbi ngokunxulumene kwakuwo komda ngetyala, mhlawumbi ngenxa yokunqongophala yesondlo esilingeneyo amashishini kwabalelwa. I-IMF kunye nolawulo yethutyana kufuneka ngokusondeleyo babambisane ukusombulula umbuzo lembuyekezo kubatyali-mali.

Ingaba imeko "Kristalbank 'alungise?

Emva isifundo eneenkcukacha le meko, kwagqitywa ekubeni ukudala kwiziko yezimali yexeshana "Kristalbank", nto leyo kwixesha elizayo kufuneka asuse zonke iimpazamo "Terra Bank" zobunkokeli. Le projekthi yamiselwa phantsi ukusekelwa le iidiphozithi isiqinisekiso Fund abantu bendalo olunika ithemba kubatyali ukubuyiswa mali zazo. Ikomkhulu ogunyazisiweyo amaziko enguqu FGVFL yazisa malunga 1,522 yezigidi hryvnia umonakalo kubatyali-mali. Le mali ngo-2015 baya kuba imali ngokupheleleyo. Le projekthi intsha noko ngenxa Ukraine kunye Isiphelo sakhe ngawo. Yinto eyaziwa ngokuba ezithile kuphela ukuba uninzi lwabantu ababe negalelo esebenzayo kufumana iintlawulo zabo, nangaphandle exesheni elimisiweyo. nempumelelo kwiziko lemali ezintsha asebenzayo aya kuqinisekisa ukuba zonke izibophelelo sele kufikelelwe kuwo ekupheleni kuka-2015 bonke abantu. Ngokubanzi, i-FGVFL ixhasa malunga 50 iibhanki, kangangokuba ipesenti enkulu abatyali babe nethuba ufune imali yabo.