Bank "European", Kaliningrad. Ngongole ndi madipoziti. Chifukwa chilolezo lakana?

Nthawi banki chapakati akupereka anakonza yoyeretsa ya mabungwe ena azachuma alipo. Pa nthawi yomweyo masamba chofunika kwambiri komanso zingamuthandize osewera. Ofooka ndi opanda pake mu mndandanda palibe mwayi. Panthawi imeneyi, gombe "European" (Kaliningrad) anabwera pansi Mtsogoleri otentha dzanja. Chifukwa kubwerezanso chilolezo chiyani? Ndipo kodi tsogolo la banki?

Mwachidule maziko a "European"

Bank "European" anayamba ntchito zake Kaliningrad mu 1991. Poyamba, iye ankatchedwa "Baltkonversbank. Pambuyo pa zaka zinai za bungwe ndalama izo reorganized ndipo anali kudziŵika kuti "European" banki.

patsogolo wake ndi kutumikira mabungwe alamulo, choncho pakati makasitomala a banki anali atsogoleri a lalikulu zitsulo, makina zomanga, mayendedwe ndi kumanga makampani, komanso makasitomala makampani mu nkhope ya anthu otchuka a mzinda ndi chigawo.

Bank "European" (Kaliningrad): ATMs, ndi eni

Mpaka mfundo makasitomala banki anali pafupifupi 4,000 eni makampani osiyanasiyana ndi mabungwe akuluakulu. Popeza kutsegula ake gulu kusintha mlingo wake wa utumiki ndipo ali ndi nthambi zake network amene wapangidwa ndi madipatimenti asanu ndi za 29 ATMs.

mabungwe woyamba anali makampani zotsatirazi:

• "Kucheza Bank";
• "TsentroVEKS";
• STC "Kudziwitsa";
• "Fund Development mzinda";
• VEF "Kaliningrad Itorg".

Kuyambira December 2012 mpaka chiyambi cha 2014 shareholder waukulu wa bungwe ngongole kunali kampani "Iluzanion kuthandizira panzeru Limited" magawo, mayina Cyprus. Gawo la magawo banki a akumeneku sanali boma thumba penshioni "Regionfond" ndi anthu ochepa okha.

Mpaka nthawi achire chiphatsocho ndi "European" anatenga 245 malo kusanja a mabanki ndi chuma chilungamo. ukonde phindu malire mu bungwe anali miliyoni 124,6 rubles. Pa nthawi yomweyo cholowa cha chilungamo limafanana rubles miliyoni 980, ndiponso kuchuluka kwa chuma - biliyoni 9,84 rubles. Ndi khola ndipo zingamuthandize anali banki "European" (Kaliningrad). Asinthe chiwembu kuti chiphatso cha bungwe ili ndalama izo zinali mu December 2014. Chifukwa chiyani? Ndipo kwa banki kuti kunali ndi zotsatira?

Chifukwa lakana kuti chiphatso cha banki?

Chifukwa revocation wa chiphatso "European" ku banki ochepa. Mmodzi wa iwo ndi mavuto a zachuma a "Investbank" imene, oddly mokwanira, zagwira pafupifupi mabungwe onse a m'deralo.

Pa mphekesera yomweyo zoti ambiri mabungwe ndalama Kaliningrad ndi derali komanso kuyembekezera tsoka ndi unenviable. Chifukwa, pansi mazenera kwambiri la mabungwe a ngongole, kuphatikizapo "European" banki (Kaliningrad), panali khamu la depositors nkhawa.

Chifukwa cha waukulu oimira liwiro banki anakakamizika kudziikira malire tsiku la $ 10 000, kuti kuchepetsa mphamvu ya maganizo ndi kuchepetsa outflow likulu. Komabe, mfundo zimenezi modabwitsa kuti sanathandize: ndi kuchuluka kwa ndalama wapanga malonda ndi zinthu bata "European" kugwedezeka.

Chifukwa chachiwiri amatanthauza yang'anira yokha, kunena ndondomeko mkulu-chiopsezo bungwe, matenda khalidwe, ndi kuika anakonza malangizo malipoti, komanso kusapezeka kwa banki kulipira ngongole angongole. Malinga ndi mfundo kuyambirira, banki "European" (Kaliningrad) anali pafupi bankirapuse, ngati ali bwino zoipa (biliyoni 1.3 rubles).

Kodi zotsatira achire wa Chiphatso wa banki chiyani?

Pambuyo revocation wa Chiphatso wa "European" makonzedwe wogwirizira unakhazikitsidwa yang'anira, banki akatenga ogulitsira malonda, ndi "Gawo Insurance Agency" anabwerera ndalama kosamalira ndalama za biliyoni 3,7 rubles.

Amene anagula "European" pa mtengo m'thumba?

Mu January chaka chatha, banki "European" (Kaliningrad) utapezeka mwa Bank "Saint-Petersburg", mu makumi atatu otchuka ndi yaikulu mabungwe ndalama Russia. Kugula mtengo poluobankrotivshegosya Bank kuti wogula pa rubles miliyoni 625.

Kodi n'chiyani chinachitikira "European" makasitomala?

Mu January chaka chino, wogula chakhazikika mbali zonse mwalamulo, ndipo potsiriza anakhala mwini zonse kunachitika za "European". Makamaka pambuyo kugula banki inkanyadira za malo mu masanjidwe wa maukonde nthambi ya banki "St. Petersburg". mutu wake anali wapampando wakale wa dziko kamodzi ukukula, koma tsopano zinatha ngongole bungwe Dmitri Danilov. Nawonso makasitomala onse akale "European" posakhalitsa anasamutsira utumiki wa banki "St. Petersburg".

Ndiponso, malo a banki "European" (Kaliningrad) sanasinthe dzina ankalamulira ndi pafupifupi ayi zowoneka anasintha. Anakhalabe chimodzimodzi monga izo zinali. Koma pa malowo kale yofuna za "Saint-Petersburg".

Kodi ngongole mankhwala anapereka gombe "St. Petersburg"?

Pakali pano, Bank "Saint Petersburg" amapereka ngongole kwa makasitomala makampani ndi anthu. Mwachitsanzo, nzika wamba akhoza kufunsira bestselevoy "Malipiro" (mpaka pafupifupi 1.5 miliyoni rubles), "Classic" (750 000) kapena "Othandizana" ngongole (50 000-750 000). The chiwongola dzanja pa Mapulogalamu amenewo akuyamba pa 17,5%.

Zokopa zakale "European" Bank (Kaliningrad) ngongole ndi makasitomala amapeza. Mwachitsanzo, akuluakulu a mabizinesi ang'onoang'ono, sing'anga ambiri akhoza kutenga ngongole kwa anapeza ndi chitukuko cha malonda. Ndi ntchito ngongole overdraft, anapereka ndalama ndi ntchito likulu ngongole.

Komanso, utumiki mwakukonda anapanga amalonda ikuchitika Pamudzi ndi ndalama misonkhano, amapereka malonda zachuma ndi banki akumidzi.

Kodi zopereka akhoza inakhazikitsa mu banki "St. Petersburg"

Kuwonjezera mapulogalamu wokongola ngongole, izo opambana Bank wakale "European" (Kaliningrad) madipoziti mu ndalama dziko ndi achilendo. Mwachitsanzo, pulogalamu "Gawo Online" amapereka malipiro chidwi pa kukhwima, ndi chiwongola dzanja la 10,4% pa annum, komanso mwayi kusankha munthu, kapena lokhazikika yaitali. chopereka Chinanso "kutchuka" lingaliro itatu iriyonse chidwi malipiro mlingo wa 9,2%, n'zotheka dovnosit ndalama gawo.

"Pulani" amapereka malipiro chidwi pa kukhwima, luso dovlozheniya ndalama, komanso mlingo 10% pa annum.

"Chakhumi ndi chitatu malipiro" - pulogalamu anaikira eni makadi kopeleka malipiro. Kumafunikanso kukhala capitalization mwezi chidwi, luso kupereka zopereka zina, chiwongola dzanja la 8.5%.

Komanso, pali madipoziti zina "penshioni", "njira", "Pa Kuuza", "Thamanga" ndi "rentier".

Pakali pano, Bank "Saint-Petersburg" ntchito kwa malonda, anthu payekha ndi makasitomala amapeza. Lingatithandizenso aliyense wokhala Kaliningrad ndi dera.