"Zlatobank": ncomo. "Zlatobank" evala?

"Zlatobank" ukuhlaziya umthunzi ezilungileyo ngoku kunzima ukufumana kubangelwa yimali yayo, waqala imbali yayo ngo-2008. Yena ezikhethekileyo ekuboneleleni ngeenkonzo zemali nabantu kunye nemibutho esemthethweni. Nokuphakama umsebenzi wakhe zamaziko zemali yaba lilungu le-Association of Banks Ukrainian, wenza njengelungu yinxalenye yenkqubo USWIFT ngokungqinelana ubungakanani eyinkunzi zolawulo kunye nempahla, iziko ngoweqela yesibini yeebhanki.

Abanezabelo kunye neengxelo zokugqibela

Enenxaxheba Amaziko zemali "Zlatobank", ncomo apho zizaliswe kunokujala ngokunxibelelene nakwenzeka yokugqibela ukuhlangabezana nezibophelelo zalo zemali ezi LLC "Avangard-Expo" (97.94%) kunye OOO "Agrobudkonsalting" (2.6% esibondeni).

izalathi Financial kwikota yokuqala ka-2015 zibonisa ngokucacileyo ukuba iziko zemali akuzange iingxaki kuphela amatyala, oko libhangile ngokupheleleyo. inzuzo Net of the yebhanki yokugqibela ingxelo yaba -2.484.474 hryvnia. iziko Equity kwakuhambisana -1.973.642 UAH., Xa isixa-asethi wayelingana 5.877.985 USD. Apha uyakwazi ukukhankanya ixabiso ematyaleni, nto leyo namhlanje ilingana 7.851.628 USD.

Isikhalazo lokuqala

I-ncomo yokuqala "Zlatobank" ngendlela embi yaqala ukubonakala ukuya embindini wonyaka ekwindla ka-2014. Kakhulu wathulula iingxelo ukuba ibhanki akahambi ngokwemiqathango yezivumelwano imali. Ekuqaleni, kwakukho iingxelo yokulibaziseka kwintlawulo kunye nokwala ukubuyela iidipozithi dollar.

Ekuhambeni kwexesha ukusasaza ulwazi kubatyali ukuba ibhanki tu wayeka ukukhutshwa iindlela. abantu abagxekayo akwazi ukuthatha imali yabo, kunye nabasebenzi ibhanki kunye nama ayikwazanga sithethe ngoko kwenzekayo ngaphakathi kwiziko zemali. On "Zlatobank" ingxelo kubathengi ubhavumo wamgalela udaka. Abantu bathetha malunga nkonzo yesitophu soluhlu lwamatyala, tyala udluliselo kunye nokulibaziseka okude ipeyiroli kunye inkamnkam.

ulawulo lwethutyana kunye amalinge ukuze kulungiswe le meko

Emva kokuba isixa esikhulu ingxelo evela ababengaxolanga labemi NBU sele-14 Februwari kumisela ulawulo okwethutyana. Abamiselweyo njengentloko ingcali phambili ukulungisa amatyala yebhanki Slavinskiy Valery FGVFL. I Interim Administration iye ukusebenza kwithuba-14 Februwari ukuya kwi-13 Meyi 2015 ebandakanya wonke.

A isigqibo ngokusesikweni ukuba iziko zemali "Zlatobank", ncomo apho kungekho iingxaki zokuswela amandla ayemahle kuphela, amatyala, zazikhutshwa yi NBU № 105 yomhla we-13 Februwari. Ngelo xesha lokuvela kulawulo yethutyana-asethi zeziko lilingana ku 7.8 billion hryvnia, elibonelela 28 isikhundla phakathi iibhanki zeli lizwe.

Oko yaba yimfuneko ukulungiselela ukuqaliswa kwe ulawulo wethutyana?

Ngomhla ukusekwa "Zlatobank" ingxelo evela kubasebenzi nabathengi ibisoloko kakuhle. Ngokusemthethweni, unobangela ngokuqaliswa kolawulo yethutyana abazange ingqumbo kuphela inxalenye abathengi sandilukuhla, kodwa ngenxa zimali ngokubamba imisebenzi eyingozi, ezibe olwenziwe ngoFebruwari 12, nangona kokuvalwa engqongqo ngakwicala komlawuli. Ingqalo ubunzima zokuqala ezizuzwa zarekhodwa kwinyanga ka-Agasti. Nangona ngelo xesha kwakukho izikhalazo ezivela kubathengi kunqabile kakhulu, iingxaki amatyala sele yenzekile. Oku kwakhokelela ekubeni isigqibo NBU Agasti 19 ukuya kungena isakhiwo zemali Institute mafa.

Ukuqondwa yengxaki yebhanki

Kucetyiswa ukuba "Zlatobank" ivaliwe, yaqala ukubonakala ekuqaleni kukaDisemba. Oku kungenxa yokuba nangona ukuqaliswa kwe-mafa, imeko yezemali kwiziko baqhubeka buba. Disemba 4, iziko-mali ka-2014 uye wafumana iwonga esemthethweni ngxaki, kwaye ngeli xesha bonke umbutho abaxhasi zafumana ubunzima ngokwabo.

Umlawuli ubeke phambili imfuno zabelo ukuphucula impilo asethi, kodwa amanyathelo athathwe yi liziko zemali izenzo ejoliswe ekuphuculeni imeko sibandakanye. Ngaphezu koko, isicwangciso yangeniswa kwiziko zemali ukuze kulungiswe yokugqibela, kwaye ungenziwa. Nangona imeko yangoku, ingxowa-mali yomhlalaphantsi ka Ukraine ubhengeze ngokusemthethweni Januwari 30 oluya isivumelwano nenkampani mali de Aprili 1.

Kuvaliwe ngenxa amatyala

February 13, 2015 wafumana ingxelo esemthethweni evela kwingxowa-mali idipozithi qinisekisa ukuba "Zlatobank" ivaliwe. Ngokutsho data ezibonelelwa yi-arhente ngexesha lokuvala malunga 115 lamawaka iidipozithi likhuphe kwiziko zemali sele, ngumthamo opheleleyo leyo eyayifikelela kwi-4.2 billion hryvnia. Phantsi iwaranti State wavuka malunga 97,4% kwabagcinisi.

Xa kusehla abanini Bank Elena no-Olga Yakimenko (unina nentombi). Eminye imithombo unofficial okubangelwa Z Yurushev ulwalamano ebhankini, njengoko oko kungqinwa iziganeko ezenzeka kwi olwandulela yokuvulwa "Zlatobank". Nangona Yurushev uthengisa ibhanki 'Forum' ukuya amaJamani, leyo Elena Yakimenko owayesebenza umphathi sikhundla siphezulu. Ngenxa yokuba "Zlatobank 'iingxaki zokuswela amandla kwaye ayikwazanga isigqibo sokuba ngokusesikweni waba ibhanki yesithandathu eUkraine ngowe-2015, nto leyo ivaliwe ngenxa amatyala.

Yintoni kwazanywa ukugcina iziko osinde?

Fund yesibambiso aqinisekiswe phambi Matshi 2 wachitha ukufumana amaxwebhu ukusuka ukutyala imali, nto leyo ukuqinisekisa zemfundo zabo. Le ngxowa-mali ngenkuthalo ufuna abantu bakwazi iziko yemali emarikeni ngenye ngeendlela ezintathu:

• kunjani Partial okanye epheleleyo asethi iimbopheleleko ibhanki ngokumalunga neziko zemali ezifumana.
• Ukwenziwa kunye nokuthengiswa yebhanki wesithathu bhaza yenguqu yonke impahla kunye namatyala.
• Integrated Bank for ezithengiswayo.

Ngenxa yokuba le nkqubo asiphumelelanga de-2 Matshi, le nqubo ngokusesikweni sandiswa amanani-13. Ngokutsho koqikelelo lwabemi FGVFL, ixabiso lembuyekezo kunokwenzeka ukuba ilahleko kulingana million 925,47 hryvnia. Kulo mzekelo, isixa-mali ngoFebruwari 14 nje kuphela idipozithi, kodwa kwakhona kwi akhawunti eziqhelekileyo baba 3,622 billion hryvnia.

Ntoni noxanduva ebhankini bashiya?

panic Mass phakathi abathengi baqala xa phezu "Zlatobank" ingxelo kubathengi ungonelisekanga. Iidipozithi musa ukunika, musa ukuphendula imibuzo, ngexesha elilandelayo amanyathelo akanikeli akhawunti inkonzo - loo nto na yonke loo nto kufunyanwa izimvo. Ezincwadini wobhavumo wachaza into yokuba wokuqala kaJanuwari 2015, nangaphambi kokuba yesibini ukwehla kule hryvnia, umthamo iidipozithi wayelingana 3.2 billion hryvnia. Ngaphezu kwama-81% yesibambiso ngexesha lona yamanye amazwe. Njengoko kukhankanyiwe ngasentla, bangaphi abatyali-mali ifikelele amawaka 115, kodwa asinguye wonk 'abanokulindela ukuhlawula. Kuphela 112 amawaka abaxumi, umthamo iidiphozithi engaphenduli ngaphezulu amawaka 200 hryvnia bangalindela imbuyekezo.

Ubume lwemirhumo uncompensated ziquka yebhanki iidipozithi zesinyithi, lilonke leyo eyayifikelela kwi-million 600 hryvnia. Ngokutsho NBU umba izinga lotshintshiselwano ayikho ngaphantsi kwe malunga 591 ikilogram le metal anqabileyo. kwiziko lemali phantsi-3% ngonyaka iidipozithi ezibengezelayo 50 grams, leyo, ukuba ngokungqinelana nomthetho phantsi kwenkqubo ye-inshorensi karhulumente ngamnye. Ukuba uyakholwa ukuba uthetha malunga nokusekwa "Zlatobank" reviews, imali ebekiweyo kule didi baba kakhulu enomtsalane kwi kwiimalike zemali Ukrainian.

Urhoxiso-mvume nolwaluso lomqhubi

Iziko "Zlatobank" ingxaki zemali kunobuzaza kakhulu. Oku bagwetywe kwisigqibo NBU phantsi inani 310 ka May 12, ukuba sokurhoxisa ilayisenisi yeziko zemali. Ngaphezu koko, yamkela isigqibo ekuqaleni inkqubo impahla.

Umbhali sigqibo yaba fund abaphathi iidiphozithi aqinisekiswe, kwaye nendawo umabi uyiphathisiweyo Valery Slavinskogo oya kubamba isithuba sonyaka omnye, ngoMeyi 1, 2016, olubandakanyayo. ulawulo esingeneleiwe yeziko mali nangoku ungowabantu Elena Yakimenko.

Qala kwentlawulo imbuyekezo kubatyali abachaphazelekayo

Emva kokuba inani elikhulu lezicelo imalunga ukuba "Zlatobank" engaphenduli ngaphandle iidipozithi, zimali nga ekugqibeleni bakhululeke. NgoMeyi 20, 2015 waqala ukuhlawula abathengi nge-ofisi "Oschadbank." I-website esemthethweni ye Fund yesibambiso qinisekisa ulwazi olufumanekayo ukuba intlawulo iza kwenziwa phambi kwe-1 Julayi 2015. Ukuba abagcinisa ze ebhankini, ngenxa yaso nasiphi na isizathu, musa ukubujika kwenye ye Fund zeebhanki arhente ixesha phambi kwe-1 Julayi, intlawulo ziya kwenziwa ngokususela zoviwo izicelo ezibhaliweyo idilesi FGVFL de kube lelo xesha irekhodi ekuvalweni ngemali kuya akafakanga ngokusesikweni kwiRejista karhulumente Emanyeneyo kwinqanaba amaqumrhu asemthethweni.

Ukuqalisa ukusuka 20 May, eyayibanjelwe imbuyekezo iintlawulo ukuba abagcinisa phesheya lweshishini zemali "Standard", kodwa kuphela phantsi izivumelwano, semthethweni yawo eyaphelela phambi kowe-29 Apreli 2015. Ukuqhubeka intlawulo abanini amakhadi zeplastiki kunye nabanini-akhawunti ebhankini. Cash zingafumaneka kwi-ofisi "Ukreximbank". Ukhankanye ukuba omnye amasebe amaqabane Fund kunye nabo kufuneka ube nencwadana yokundwendwela kunye uxwebhu ezingqina ngolwabiwo yobhaliso inombolo yekhadi yobhaliso Mhlawuli irhafu. Iintlawulo zenziwa ngempumelelo, kuthathelwe ingqalelo yonke inzala ukuya kumhla zokwamkelwa isigqibo NBU ukuqaphela yeziko mali otshonileyo up. Imbuyekezo ayifumaneki kuphela kwabo abagcinisa (malunga nezigidi ezi-3 abathengi), isixa-mali sedipozithi idlula amawaka 200 hryvnia.