Bank "Mtumiki"; kusakhulupirika kapena ayi? Mavuto a mabanki ku Russia

JSC "Mtumiki Bank" - ngongole bungwe la lonse feduro. Iye ali ndi chiphatso cha Bank ku Central, Federal Financial Msika Service, wophunzira katswiri wa masheya msika, komanso kuti yopanga makadi pulasitiki Visa, MasterCard. Kwa nthawi yaitali, gulu ntchito bwino. Koma mu 2014, "Mtumiki Bank" analengeza ofikira. Kodi mavuto anakumana ndi bungwe la ndalama, ndi momwe kwenikweni ndi kuopseza kuwerenga mwatsatanetsatane m'nkhani ino.

nkhani

"Mtumiki Bank" anakhazikitsa maziko a JSC "Promtorgbank". The yachiwiriyi bungwe mu 1992 ndipo kwa nthawi yaitali anali mmodzi wa mabungwe odalirika kutumikira mafakitale. Mu 2010, "Mtumiki" Gulu ndi bungwe ngongole anatchula pamwamba pa nkhani ya mgwirizano njira anakhazikitsa banki konsekonse. Chiyambireni ntchito (October 2010) "The Bank Mtumiki" Pang'onopang'ono ndinayamba khadi bizinesi komanso kukweza m'munsi makasitomala. The shareholder waukulu wa bungwe ndi atagwira kampani Trellas.

"Mtumiki The Bank": mavuto

November 10, 2014 mmodzi wa gulu la makampani "Onexim" anatumiza Nogotkov (ndiye wapampando wa Board ndi mwini wa akugwira) chidziwitso cha kusakhulupirika. Ina kwa ngongole ya anachita Trellas Enterprises Ltd. magawo Malinga ndi izo, ikuchitika kasamalidwe onse kalembera wa GC "Mtumiki". Patangotha masiku awiri panali zindikirani kuti 90% ya magawo anapita pansi pa ulamuliro wa "Onexim" ndi NPF "moyo". Pankhaniyi, mtengo ndikupeleka wophiphiritsa - 1 ruble pa chitetezo. Bank "Mtumiki" kusakhulupirika sanakhoze kulepheretsa. Dziwani kuti chuma kampani monga mabungwe ngongole komanso za dzina yomweyo foni wogulitsa, sitolo online, SVOY.RU zipata, Pandora okonzera maukonde. Ngakhale masitolo zodzikongoletsera mu zambiri si adakhala ndi mu.

ndi mavuto banki akukumana "Mtumiki" n'chiyani?

Pofikira zinachitika chifukwa cha nkhani overdue sonyezani. kampaniyo sanathenso kupirira mavuto mu 2014.

Chakumapeto kwa chaka cha 2013 gulu "Onexim" ndi "Mtumiki" anapanga malire kuthekera kupanga likhale ndalama wogulitsa foni, gombe, inshuwalansi kampani ndi banki "Kubadwa Kwatsopano Mawu". Ndiye Marigold nawo ngongole kwa $ 100 miliyoni ndi kukhwima wa ku 01.11.2014 chaka. kuchuluka Izi ndiye chinawonjezeka ndi 20%. Kuti sanathe kupereka gombe, "Mtumiki". Sanapezeke, malinga Nogotkova, anapanga chifukwa cha kuvutika kwa internally, ndi mavuto a zachuma mu dziko ndi kunja.

Chifukwa njira odana ndi okhawo utumiki mu msika wa ntchito mafoni kuchepetsa mpikisano. Titasintha ndi "Mtumiki" kusintha analandira phindu zochepa kuchuluka kwa biliyoni 1.6 rubles. azipereke pa ndalama penshioni. Njira kunja kwa zingakhale kugula kulanda umwini wa kampani kuti MTS. Koma zambiri, inakonzedwa September 2014, anagwa, monga shareholder chachikulu - mwini woyendetsa a m'manja - pa ukaidi wapanyumba.

A analephera chitsanzo malonda

Akatswiri akukhulupirira kuti vutolo adanyamuka chifukwa cha zinthu zofunika cholakwika. Chinatulutsa mtengo nkhondo ndi "Euroset", "Mtumiki" anagwera mu msampha womwewo ngati mdani wake mu 2008. Kwambiri wotanganidwa anaganizira yekha revenues, osati ukonde ndalama. Koma msika zinthu zasintha mavutowo anakokera, ndi kampani anayamba mavuto aakulu.

zochitika

Poyamba, ndalamawo kampani anali Sberbank, "Promsvyazbank" ndi "Globex". Onsewo kugawana Trellas anaikidwa - ndi shareholder waukulu JSC "Bank Mtumiki". Sanapezeke, chifukwa si kukwaniritsidwa udindo, tsopano amapereka ufulu ndalamawo zonse madipoziti. Iwo amagwiritsa ntchito NPF "moyo", pamene analandira 15% ya magawo Trellas.

Mu mwezi wa March, "Promsvyazbank" walandira chilolezo kuchokera Federal Antimonopoly Service kukhala pa 51% pamtengo mu Svyaznoy NV Monga ya November 2014, kampani ngongole ku mabungwe ngongole anakwana rubles biliyoni 6. Koma nthawi yomweyo panali mawu amene "Promsvyazbank" sinditi kugula kampaniyo.

Kutsekedwa a banki "Mtumiki"

Akukangana za ngongole gulu lokhali kumalepheretsa kubwezeretsa chikhalidwe ndalama. Pambuyo kuoneka nkhani kusakhulupirika yekha kwa masiku awiri oyambirira, ndalama anavula pang'ono kuposa biliyoni 8 rubles. Pa nthawi yomweyo, mphekesera kuti "Mtumiki" (banki) akuyesera kuti athetse vutoli kudzera konzanso. Komabe, patapita zambiri mu cholengeza munkhani adakana. Malinga ndi oimira banki ngongole mbiri kukula chilungamo (10.7% ya chofunika CB 10%) sizinasinthe, mlingo yomweyo ya liquidity nthawi 4 kufunika osachepera (15%). The Bank lidakali mwachizolowezi pansi chitsanzo akale malonda.

Mu December 2014, bungwe la walandira € 11 miliyoni subordinated ngongole ku "Finprombanka" ndi gulu "Alliance". Malinga ndi ziwerengero kuyambirira, ndalama izi zinali kupereka osachepera likulu adequacy chiŵerengero (N1) kwa miyezi ingapo. Koma mochedwa February H1 anagwa 9.81%. Ndiye kasamalidwe wa bungwe ngongole wopita kwa ma sheya hoda ndi dongosolo kuchuluka likulu kuchuluka kwa biliyoni 5 rubles. mavuto a JSC "Mtumiki Bank" zidzamuchitikira popanda ndalama izi mu 2015. withdrawals Cash ku gawo ndi processing ngongole akhoza kukhala mabvuto kwa makasitomala. Pulani amadziwikanso Ufumuyo ndandanda chiphaso cha ndalama kwa chaka chonse. (. Biliyoni 1.1 rubles) kuchuluka waukulu ankafunika mu March ndi miyezi zotsatirazi - 300 miliyoni, koma chifukwa cha kusintha zonse mu mndandanda wa ma sheya hoda ndi ulemu nkhani recapitalization kuti asanayambe ..

banki akundisumira mwiniwake woyamba

Mu June 2015, "Mtumiki Bank" apilo ku khoti. The ngongole gulu akufuna kusonkhanitsa kwa Nogotkova 120 miliyoni rbl., Kuti chaperekedwa kwa zofuna zake. Kukhwima ngongole inkachitika miyezi ingapo yapitayo. Koma zofunika gombe sanali anakumana.

Pomaliza

Kutsekedwa wa banki "Mtumiki" - imodzi mwa nkhani yotchuka kwambiri ya zokambirana. Pambuyo zokhudza kusakhulupirika a pakampaniyo, mavuto ochuluka padziko bungwe ngongole anapanga ndi akumane nkhaniyo. Chifukwa cha ndalama kulenga mantha anayamba massively mupewe madipoziti awo nkhani za. Ntchito khola la banki ukusowa capitalization zina. Koma chifukwa cha kusintha zonse mu mndandanda wa ma sheya hoda ya zokambirana pa nkhaniyi sizinathe anayamba. Popanda ndalama izi banki zingakhale zovuta ndi kukhazikitsa likulu adequacy chiŵerengero.