Reviews a Bank "Finance ndi Mawu" Makasitomala Comments

Kuyambira ndemanga kuphunzira banki "Ndalama ndi Mawu", tiyenera kuyamba ndi maziko pang'ono. bungwe Financial analowa kukhala June 19, 1990. Poyamba zokakamiza inali yololedwa mwalamulo mu USSR State Bank ngati Chiyukireniya malonda Bank of Cooperation Business. Patapita zaka zisanu, October 13, 1995, bungwe anapeza dzina panopa nakhala banki malonda, "Finance ndi Mawu."

Mbiri ya ntchito

Likulu ovomerezeka a banki mu 2006 anali ofanana ndi biliyoni hryvnia. Mu 2007, bungwe anapeza njira yatsopano ya umwini nakhala zochepa udindo pa kampani. Mu July 2011, anaganiza kuonjezera likulu ovomerezeka a mabungwe a zachuma pa 200 miliyoni hryvnia. Mu 2009, bungwe anali ndi udindo wa kampani olowa katundu, ndipo ankapita ndi Vladimir Khlyvnyuk, amene ankatchedwa kutsogolera pamwamba Mutu wa gawo banki Chiyukireniya.

Mu mbiri yaitali ya ndemanga za "Finance ndi Mawu" Bank anasiya chidwi za bungwe, chifukwa bwino kukwaniritsa udindo wake. The wangwiro umboni - ziyenera mu 2011 ndi mlingo bungwe "Mawu-mlingo" wapemphedwa kuti kukhazikitsidwa kwa mlingo wa ndalama kalasi uaBBB. The Mapa anali m'khola. Ndi February 2012 voliyumu ya chuma Institute anaima pa biliyoni 22,877,292 hryvnia.

Wolemekezeka mbiri komanso kugwira nawo mayanjano lonse

Back m'katikati mwa 2014 mbiri zake zabwino akhoza kunyadira bungwe ndalama, "Finance ndi Mawu." abwenzi banki anathandiza mnzake chake, ndi chapamwamba, ndipo chinthu chachikulu mwaukadaulo ndi mwadongosolo ikuchitika udindo wake. Kupereka kwa anthu ndi mabungwe alamulo, iye ankasewera membala wa Association of mabanki Chiyukireniya ndipo anali membala wa Chiyukireniya Stock Kusinthanitsa PFTS ndi Kyiv Bank Union.

Pakhala umembala wa machitidwe odziwika padziko lonse monga Visa International ndi MasterCard International, Western Union, PARD ndi AVERS. Pa kukula kwa likulu zolimbana a m'banja nkhawa kuti gulu loyamba la mabanki. The ma sheya hoda a m'banja poyamba, ndipo tsopano otsalirawo "Ascania" (45.92%) ndi PJSC «F & C Realty» (magawo 41,58%). Opindula chachikulu ndi Chiyukireniya bizinesi ndi amenenso anakhazikitsa Konstantin Valentinovich Zhevago.

Chilengedwe ndalama kubanki

Ngakhale kuti dongosolo la zachuma lidakali, ndemanga za Bank "Finance ndi Mawu," chomwe ndi zambiri kawirikawiri ndi mthunzi zoipa, amasonyeza zinthu zosiyana. Malinga ndi ntchito ndalama za bungwe mu March 2015 katundu wake wofanana 41,470,386 hryvnia. kudzipereka kusamutsidwa liri 39183614 hryvnia ndi lopita anaima pa fanizo la 2.286.773 hryvnia. Ndikuganiza amapanga okha kuchuluka kwa phindu ukonde, zomwe zikugwirizana ndi mfundo atsopano anali opanda 715.777 hryvnia.

The harbingers choyamba cha mavuto

The ndemanga yoyamba ya gombe, "Finance ndi Mawu," womwe adawomba mfundo zokana ntchito ya bungwe chuma ndi udindo wake pansi sikapangano Gawo, anayamba kuoneka pa chiyambi cha 2015. Makasitomala a banki sizinayende kuziona pachimake, kudalira chakuti dollar, zikuchepa kuchuluka pa nthawi, ali kukakamizidwa mabungwe ambiri ku gawo chuma kuwerenganso ntchito zake ndondomeko.

Ndi February 2015 chiwerengero cha anthu osakhutira ndi ntchito ya banki chinawonjezeka ndi makumi ndi mazana nthawi. Nthawi Lone lafalikira mwadongosolo. Ngati poyamba anthu ananena kuti gombe chabe kuchedwa kupereka madipoziti kwa miyezi ingapo, kapena kupereka prolongation m'mikhalidwe yabwino, lero kupereka mazira, ndi akuluakulu a bungwe ndalama kunena chosowa ndalama.

ndi kuchulukitsa kwa zinthu ziti?

Ndi palibe chinsinsi chimene mavuto ena chifukwa cha mmene chuma chikuyendera dziko anakumana ndi mabungwe ambiri ndalama Ukraine. Ena mwalamulo ananena bankirapuse, pamene ena chabe mosatsata chilolezo cha. Pankhani imeneyi, tikhoza kunena kuti dipatimenti ya "Finance ndi Mawu" pang'ono linatseka kudutsa dziko. A bungwe ndalama chifukwa cha nkhondo ndi Russia wataya kwambiri ndithu ndalama chifukwa chotupa a mabungwe ndi ndalama ku Moscow ndi dera Moscow.

anathandiza kuti zinthu anapanga lalikulu likulu outflow chifukwa mantha pakati makasitomala amene ayesa mwamsanga kutapa ndalama zawo ku gulu. Pa nthawi, ngakhale banki si kukwaniritsa udindo wake mu osachepera kuchuluka, kasamalidwe ake ananena kuti zinthu zidzakhala ziziyenda posachedwa. Ndipo Bank National mofulumira palibe kuti atumizidwe kwa otsogolera gulu, monga ndalama kuthandiza kukhazikitsidwa.

Misonkhano ndi misa kusakhutira

The bankirapuse ya gombe, "Finance ndi Mawu", malinga zambiri makasitomala ake, sali kutali. Ambiri mwa anthu kuti akhalabe kwa miyezi isanu ndi umodzi kwa chaka chimodzi pamaso pa chiyambi cha ndondomeko liquidation. mabungwe phindu ndipo Chiyukireniya Wachiwiri Zhevago yokha poyera watero kuti dongosolo ndalama sakhala ndi mavuto ndiponso kuopseza zotsatira sizingasinthe kumeneko. Kodi akhalabe makasitomala zosakwanitsika ndi akhala chinsinsi. Anthu amene saona zopereka zawo pa Mapangano nthawi, kusonkhanitsa ndi kulinganiza misonkhano ndi zionetsero. Zichitikila ndi nkhani ya TV , osati pafupi NBU mu Kiev, koma ndi konsekonse Ukraine.

mwamwano sikunachitekepo

Kuwonjezera pa mfundo yakuti madipoziti onse a banki, "Finance ndi ngongole" anali achisanu ndi kuwerengedwa eni, anthu ambiri amalankhula za mwano pa mbali ya gulu la Yehova. Mwadongosolo pali malipoti kuti maofesi sangathe kupereka yankho lolondola kwa aliyense nkhani zokhudza malipiro. Pali deta padziko ulemu kwa anthu amene akuyesetsa kuti ayambenso madipoziti awo yovomerezeka. Complete kusasamalira makasitomala - si koipa, malinga ndi ndemanga zambiri.

Mabaibulo Sizilowana

Kuwonjezera pa mfundo yakuti NBU sanabadwe yokhala anazindikira bankirapuse ya gombe, "Finance ndi Mawu" ndipo sanalowe mu boma wogwirizira ali, kuti njira kuthetsa vuto la ndalama, malinga ndi makasitomala, ndi Institute zimapezeka machimo ena ambiri. Choncho, malinga ndi oposa khumi ndi mmodzi wa nzika wodyeredwa amene kusiya ndemanga zawo pa Intaneti, banki amatenga anasamutsidwa ndalama, koma sizikupanga iwo. Ena makasitomala kuti si chilungamo akuthamanga bungwe amenewa, ngati banki, "Finance ndi Mawu." abwenzi Mabaibulo malonda mwapereka, koma ndalama kwa olandila pazifukwa zina siinafike. Komanso, iwo sanali kwa mwiniwake. Chifukwa - imfa ya abwenzi yabwino ena ndi zomvetsa mu ntchito yake.

Kodi n'chiyani chikuchitikira banki Internet?

Monga mwa wina aliyense mabungwe lalikulu ndalama Ukraine, mu chimango cha kampani opareshoni Internet Bank "Finance ndi Mawu". Poyamba, iye anali chida chothandiza kwa kufalitsa utuluke ndalama wina kasitomala. Kulanda ndalama, malipiro wa ndalama zofunikira, kutsatira boma nkhani, ndi zina zambiri analipo pa polojekiti. Lero chirichonse wasintha kwambiri, ndi maganizo abwino okhudza utumiki kwathunthu m'malo makasitomala chochititsa manyazi ndi chopusa.

Malinga ndi ndemanga zambiri, Intaneti banki "Finance ndi Mawu" ziri tsopano pafupi samagwira ntchito. Ngati simungathe fufuzani akaunti yanu, iyo zikadzatha anayesa mobwerezabwereza. Anthu amanena kuti lero, utumiki uwu chilibe ntchito mwamtheradi, chifukwa zinchito ndi inoperative. Makasitomala kulemba za izo mu utumiki Intaneti si n'zotheka kufufuza bwino pa khadi, ngati palibe uthenga pa iwo si anasonyeza.

Kodi Zhevago ndi mmene mawu ake owona?

Zhevago ulaliki boma, inali kudziŵika kuti udindo wa banki, "Finance ndi Mawu" tsopano zogwira mtima. Iye poyera limanena kuti mavuto sangakhale mwa funso M'malo mwake, kosamalira chuma kusiyana bwinobwino. Main shareholder litsimikizira kuti gulu tsopano ntchito nambala yambiri ya mafakitale flagship, omwe likunena kuwonjezeka kupanga ake. mfundo imeneyi zachuma wobwezera kutsogolera chitukuko mtsogolo.

Bank «Finance ndi Mawu» Mwini limaletseratu zoti chopereka kwa ogula nkhani malamulo amene ziletso NBU kosamalira ndalama zonse kwambiri. Kodi anafotokoza kazembe Zhevago uthenga woona, zovuta kuti aweruze, monga ambiri ndemanga kasitomala anakwiya amati ayi. Kunena zambiri, ena mwa atolankhani zinawukhira zomwe zofunika pa kazembe mu ntchito Sapita bwino, iye anati. Malinga ndi lipoti kafukufuku wa kampani «Ferrexpo», bondholders alandira akhazikitse kukonzanso ngongole. Iwo okha amasonyeza Mwina mkulu wa kusakhulupirika Chiyukireniya oligarch.

Musasunge ngakhale refinancing

lipoti News kuti Institute of "Finance ndi ngongole" mabanki bwenzi anakana mkubwela kwa mavuto woyamba. mavuto ena otani pamene kuyesa kupeza refinancing ku NBU. mavuto Liquidity amene anachitika nthawi kuchokera December 2014 ku January 2015, monga mwawo. thandizo loyamba kwa banki Gontareva dipatimenti anapatsidwa yekha pakati pa February kuchuluka kwa hryvnia mamiliyoni 700. Mu March chaka cha 2015 anadziŵa za refinancing lotsatira kuchuluka kwa miliyoni 276 hryvnia, ndipo kenaka - miliyoni 750 hryvnia.

Mobwerezabwereza jekeseni wa likulu sanapereke zotsatira anakhumba chifukwa outflows lalikulu. The mbiri ya madipoziti kuchokera nthawi yatsoka mavuto woyamba ndi woyamba ngongole olimba kuchokera NBU, anatsika ndi biliyoni 18.5 hryvnia, ndi mapeto a June wa bungwe ndalama anatenga wina hryvnia biliyoni 16.5. Malinga ndi zimene operekedwa ndi magazini «Forbes», ndi mapeto a June, ndalama adakwanitsa kupambana 400 zodzinenera ndi banki, chimene iye afunika ndalama makasitomala awo.

Mosayembekezereka zochitika ndi mwachidule

Ngakhale kuti makasitomala ambiri a banki ali pa manja a khotilo, malinga ndi zimene bungwe chuma chofunika ngongoleyo, iwo sangakhoze kupeza madipoziti awo. vuto ndi kuti utumiki wamkulu amakana kanthu mogwirizana ndi mfundo imene Kiev District Administrative Court. Kumbukirani kuti Balaklitsky woweruza anavomera, malinga ndi zimene utumiki wamkulu, ndipo aliyense wa mabungwe awo, zopalira ufulu mu nkhope ya NBU ndi ulamuliro wake dera lawo, kuphatikizapo mabungwe a zachuma monga "Ukreximbank", "Pravex-Bank", "Uksotsbank" ndipo "Citibank" mosatsata yoyenera kuchita kanthu pa imposition ndi chilango cha kumangidwa ku nkhani ya gombe, "Finance ndi ngongole."

makasitomala ambiri amaganiza kuti mwini wa banki, "Finance ndi Mawu" ndi kuyesera iye amapitiriza m'zonse, kuphatikizapo likuvutika ndalama. Pali zambiri zimene ena eni madipoziti analandira bwana, lomwe kupereka m'manja mwa 50 peresenti ya dipo, koma pa chikhalidwe chimenecho theka lachiwiri tidzakhalabe mu bungwe ndalama. Woweruza ndi nkhani za mudziwe mmene zoona atolankhani ndi ndemanga kasitomala, mabvuto. Patsalanso kuti aziona zinthu ndi kupanga mfundo zoyenera pa mfundo ya mwambowu.