Bank "Mtumiki": mavuto, ndemanga kasitomala

JSC "Mtumiki" - ichi ndi chimodzi mwa waukulu mabungwe ngongole pa mlingo boma ku Russia. Mbiri ya bungwe ndalama ang'ono ndi inayambira 2010. Pa nthawi imeneyo, gulu la "Mtumiki" kampani anasaina mgwirizano ndi "Promtorgbank" pa mapangidwe bungwe ogwirizana ndi zikuluzikulu ndalama. Bank "Mtumiki", vuto si nkhawa mu magawo loyamba la kulenga, atangotha maonekedwe anapereka mankhwala nzeru mu msika chuma - khadi gombe, "Mtumiki", umene kwambiri osiyanasiyana osiyanasiyana maganizo ndi anafotokoza gulu.

nkhani

"Mtumiki" Bank (Moscow) mwalamulo anayamba ntchito mu 2010, koma dongosolo makasitomala anali tinatengera kwa bwenzi mu umunthu wa JSC "Promtorgbank" womwe unakhazikitsidwa mu 1992. Organization a gulu amakampani sing'anga-kakulidwe kuti amakhazikika mu kutumikira mafakitale ndi makampani malonda. Zinachitikira mgwirizano ndi mabungwe anali latsopano, koma zothandiza kwambiri. History of "Mtumiki" gulu la makampani inayambira mu 1995. The specialization waukulu amakampani ndi lero akanali yemweyo: kugulitsa zamagetsi, kukhazikitsa njira zolankhulirana ndi zida kompyuta. Bank "Mtumiki" nthambi imene ili m'dziko la Russia, akuperekanso tsopano kwa ogula osiyanasiyana ya zachuma ndi kukhazikitsidwa kwa makhadi palimodzi. Kasitomala m'munsi mwa anayambitsa pafupifupi 3 zikwi makasitomala makampani kuchokera kumabungwe osiyanasiyana chuma. Chiwerengero cha makasitomala ritelo kale anafikira anthu oposa 1.5 miliyoni. Standard ntchito banki ndi mtundu wa Pamudzi ndi ndalama ntchito, ngongole ndi madipoziti ndi lowonjezera ndi mautumiki a factoring ndi kupeza.

"Mtumiki" lero

Bank "Mtumiki", vuto limene anatuluka ndi posachedwapa ndipo alibe kunathandiza kwambiri pa ntchito bungwe ndalama ali m'gulu la TOP 50 mabanki Russian. Onse madipoziti banki inshuwaransi mwa dongosolo gawo inshuwalansi. Yapadera osiyanasiyana mankhwala kampani wakhala mapu "Mtumiki", omwe bwinobwino ophatikizana mphamvu ndi ngongole ndi madebiti. Ngati khadi bwino adzakhala atathana chuma, iwo mlandu 10% chidwi pa izo. Pakuti yense ndikupeleka Mwini Khadi amalandira mabonasi. Mawu malire pa mtundu wa mankhwala ndi rubles 250 zikwi. makasitomala gombe akhoza kupindula masika mu imodzi ya maofesi ambiri. Pakuti onse ngakhale mwachidule mbiri ya gombe, "Mtumiki" (St. Petersburg) analibe madandaulo kwa makasitomala. Mlingo wa utumiki wakhala pamwamba. nthawi yotsiriza mkwiyo chifukwa cha chakuti bungwe likalowa malire pa withdrawals ndalama, motero ofanana zochita za mpikisano, amene mosatsata laisensi, ndipo tadutsa kale mu liquidation.

The harbingers loyamba la tsoka

Malinga ndi makasitomala ndipo ndi akatswiri a msika chuma, "Mtumiki" banki anayamba mavuto pa nthawi imene anaganiza kuchepetsa kuchuluka kwa ndalama zimene zikhoza achoka ndi ATM. Malinga ndi luso, mu ATM onse gombe, ndipo zibwenzi malamulo. Makasitomala akhoza ndalama tsiku lina zosaposa 25 zikwi rubles. Kulanda ndalama kwa khadi banki kudzera P2P-kumasulira zizipezeka pa ndalama osapitirira 5 zikwi rubles tsiku. Chosavuta zoletsa zina pa mitundu ya kusintha interbank mu mtundu pakompyuta amene sakhoza upambana kuchuluka kwa rubles zikwi 50. Yekha malangizo sukhala ndi malire - ndi malipiro kwa ogulidwa misonkhano pogwiritsa ntchito maluso QBank utumiki palimodzi.

Kodi anati pa TV?

mudziwe paliponse banki "Mtumiki" dipatimenti chimakwirira onse pa dziko. Malinga ndi bukhuli, njira imeneyi kwa kukonzanso ntchito ya gombe la adzasunga gawo la mikango za bajeti ake. Malinga ndi kasamalidwe, zimenezi sikungawononge khalidwe la makasitomala m'chigawo, popeza pafupifupi sindimapita ku maofesi ndi ntchito njira zina mabungwe ndi zoletsedwa. Ambiri mwa makasitomala a mabungwe a zachuma timakonda ndikukhulupirira kuti, mogwirizana ndi miyezo sewero chotero anatengedwa ndi utsogoleri, posachedwapa, bungwe ndalama angakumane nawo ziŵalo, monga momwe zilili ndi banki "Khulupirira" kapena revocation a chilolezo. Pa mphindi, "Mtumiki" banki malo ofesi amene utachepa kwambiri m'zaka zaposachedwapa, akuthamanga mode muyezo, monga kukonzedwa, ndi malo kutsogolera mwalamulo watero kuti revocation wa chiphatso ndi liquidation ndi mawu sangakhale. mfundo zinawukhira kuti atolankhani kumapeto kwa 2014, za ziŵalo likudzalo, pa pempho la kasamalidwe, osati si zenizeni, koma mwalamulo adakana. Chinthu chokha chimene inu muyenera "Mtumiki" mavuto banki liquidity amene anadabwa - ndi Investor kuti normalization wa. Bukhuli limati pali zokwanira zingamuthandize bwana.

Malile makhadi - ndi kukonzekereratu kapena chinachake zikuluzikulu?

"Mtumiki" wakhala kuchepetsa mwakhama malire ngongole. Poyamba 99% mabacteria ngongole anapereka kwa makasitomala zosiyanasiyana mu osiyanasiyana 10 zikwi 150 zikwi, lero ndi zochepa kukula panopa ngongoleyo. Guide anafotokoza kuchepetsa kusintha malire mu mtengo wa ndalama. Kusintha zinthu mtengo kukongoza ndi zofunika kwambiri poyerekezera ndi phindu pano kukopeka likulu. "Yokonza" unali poyera ngongole Nonrecycled ndi ntchito ziro.

Kodi makasitomala kunena za kuchepetsa malire?

Pambuyo pa gombe "Mtumiki" (St. Petersburg) anakhala malire kokha, makasitomala alabadira zinthu za kuchuluka zambiri za ndemanga negative. Ngakhale kuti banki kunena za kumathandiza kuti zinthu zikhale zochepa 5% ya ngongole, ndi funde la mkwiyo wauka lalikulu kwambiri, kuyambira kusankha anatengedwa unilaterally. Bwererani ngati banki zimasokoneza chomwecho, zidzadalira zimene patsogolo mmene chuma chikuyendera m'dzikolo. Ambiri a mabanki anakumana ndi mavuto. Zizikhala ntchito zawo, kuyembekezera kusintha zinthu, monga lakuthwa outflow likulu zikhoza kukhala zoopsa ku tsogolo la sukulu.

mabala chachikulu ndodo

"Mtumiki" malo banki ofesi limene lidagwa zikuchepa, kutseka nthambi si. Okwana kwa January kwa March 2015 ndodo bungwe ndalama anatsika ndi 27%. Woyamba mu April 2015 chiwerengero cha ogwira ntchito ku banki mu 1406 limafanana ndi akatswiri a. Mu January chaka chino, chithunzi ichi limafanana 1,921 zikwi. Ambiri, chaka panopa, chiwerengero cha akatswiri anatsika ndi 36% mu "Mtumiki" banki. Kuchepetsa kukula kwa malipiro. Choyamba kotala 2015 antchito bungwe ndalama wakhala akutchedwa rubles miliyoni 25,2. Ichi ndi pafupifupi 27% poyerekeza nthawi yomweyi chaka chatha. Anawona kukula zinachitikanso malipiro chikhalidwe, amene anayambira kuti rubles miliyoni 123,5 kuti rubles miliyoni 4.1. bungwe Mawu tikukumana ndi mavuto a zachuma popeza mapeto a 2014. Popeza April, 16 mabanki ku Bank ku Central anali inaika lamulo loletsa pa kuvomera madipoziti watsopano, monga mwa April 1, kosamalira ndalama anasiya likulu adequacy mfundo malinga ndi mfundo za ulamuliro.

chokana banki kuti kusintha ngongole

Mpaka nthawi monga anayamba kutseka maofesi, banki "Mtumiki" makasitomala ambiri touted kumbali zonse. Pali anthu amene mwachangu analemba kukhulupirika kwawo ndi kulemekeza makasitomala, amene ali sangapezeke mwa mabungwe ena lalikulu ndalama. Ankalimbikitsidwa gulu la kuona mtima ndi pa zinthu zosiyanasiyana, wokonzeka kusintha chiwembu mgwirizano. Chiyambireni cha mavuto, malinga ndi maganizo makasitomala, maganizo zasintha kwambiri. Chotero, mmodzi wa makasitomala mogwirizana ndi imfa ya ntchito kufunsira kukonzanso ngongole. Malinga ndi iye, oimira banki a sanayankhe aliyense wa apilo ambiri. Motero, mkazi limanena zokhudza chiopsezo zonse okhometsa pa foni ndi kuyitana bothersome ashamwali ache onsene. Iye akufuna kuti ndikaonekere ku ofesi ya khoti linalamula ndi zonena pa gombe. Fotokozani zochitika zofanana ndi anthu ena ambiri amene asankha kuchita chimodzimodzi.

kuchita ndalama zimene?

"Mtumiki" madipoziti banki kale analandira mwamphamvu kwambiri, tsopano sakugwira ntchito malowa mogwirizana ndi malangizo a Bank wa Central. Chifukwa chakuti izi, malingaliro kasitomala zidzasankhidwa. Pali mitundu iwiri ya anthu. Anthu ena amayesa intensively kusonkhanitsa ndalama ku banki, potero kupangitsa outflows amphamvu ndipo zachititsanso zinthu. Gulu lachiwiri la makasitomala ndi chabwino, malingana ndi iwo, ubale ndi bungwe ndalama sinditi kanthu. Anthu ndikuyembekeza kuti "Mtumiki" banki layisensi yomwe panopa akadali ukugwira ntchito bwinobwino kupulumuka mavuto osakhalitsa posachedwapa kubwezeretsa ntchito za malamulo. amatsimikiza kuti ngakhale chifukwa cha kuwonongedwa kwa ndalama ndalama bungwe amabwezeretsedwa mwa Agency Insurance Gawo. Akatswiri amalangiza kanthu kwa iwo amene ndalama kuposa miliyoni 1.4 rubles, kuphatikizapo mawu dollar.

"Mtumiki" anali mu mabungwe mabungwe mabungwe adabvutika

Mapeto a 2014 kunali kovuta makamaka kwa aliyense wa bungwe ndalama. akayambana banki zachitika m'dziko lonse la Russia. Ngakhale misewu yaikulu ya maofesi, ndiponso kuchuluka kwa ntchito, "Mtumiki" anali mu mabungwe mabungwe mabungwe banki lovutali. Mu November 2014 bungwe ndalama wokhomeredwa pafupi bankirapuse. Mobwerezabwereza ndi nthawi imene zidalowa, ndiye nyenyezi Kukwanilitsa malire pa makadi banki. Poyamba, malire a chochitika ndi lero, inakonzedwa ankalowa pa maholide Khirisimasi. Mantha ya makasitomala amene ndalama zawo ku bungwe ndalama kugwirizana kwenikweni ndi chakuti kuyambira vutoli, anatseka oposa 100 mabanki.

ziyembekezo banki cha 2015

Amene ndi kunena, "Mtumiki" Bank adatsekedwa kapena ayi, ndi mabvuto, koma mfundo za mavuto liquidity chifukwa miyeso kugwiridwa ndi kasamalidwe ndi lodziwikiratu. zinthu zakunja zachuma akusonyeza kuti yochepa zinthu sizidzasintha. Ngakhale kuwonjezeka mu kuchuluka kwa zopereka inshuwalansi kuti rubles miliyoni 1.4, phunzirani kutulutsa ndalama ku bungwe ndalama akupitiriza, zomwe zingachititse kuti bankirapuse. Kumbukirani kuti "Mtumiki" madipoziti banki tinasiya kumwa mwa dongosolo la Bank ku Central la Chitaganya cha Russia, zomwe yafupika magwero kubwezeretsa gulu. Pali nkhani pamaso pa ngongole Institute kwa akuluakulu msonkho kuchuluka kwa rubles 1.2 biliyoni, pamene kupereka angongole amene mawerengedwe kumakhala kovuta, kuyambira kuchuluka kwa ngongole kuposa nthawi 2.5. kasamalidwe banki ali kugwira ntchito ziziyenda ntchito za bungwe, amene amapereka chiyembekezo kwa kubwezeretsa ntchito yachibadwa "n'zothandiza". Ankalosera ndi molawirira kwambiri, imangokhala yokha kuti aziona zinthu.