Bank "Nadra": amakambirana depositors. Kodi n'chiyani chikuchitikira banki "Nadra"

Mu October 1993, a NBU ali owerengedwa watsopano ngongole bungwe - banki "Nadra". Poyambirira iye apadera makampani malasha. ogwira ntchito oposa 9,000 anali kupatsidwa ntchito kampani "Nadra Bank". Offices inali m'mizinda yonse ikuluikulu ya Ukraine, anali oposa 1.5 makasitomala. Mu nthawi yabwino, mabungwe maukonde m'gulu nthambi 700 m'mizinda yosiyanasiyana, 1000 ATMs ndi 4500 malo. Khadi "Nadra Bank" anali pafupifupi zapamwamba malipiro chida. Pambuyo 2011 mlingo bungwe anayamba kutha. Zambiri zomwe zimachitika ku banki "Nadra" tsopano, onani nkhani imeneyi.

ntchito

"Nadra Bank" (Ukraine) amapereka makasitomala osiyanasiyana mankhwala. Pakati pa wapadera - phukusi tariff, zimene zinaphatikizapo zinthu zonse zofunikira angagwiritsire ntchito bwino ndalama ku nkhani panopa ndi makhadi. Chifukwa makasitomala mabizinesi ang'onoang'ono ndi sing'anga-kakulidwe, kuwonjezera, ife chaperekedwa mizere zosiyanasiyana ngongole, madipoziti yokonza lidatseguka JSC "Nadra Bank", "kasitomala-banki" ndalamazo.

Kwa anthu anapanga waika lonse wa mautumiki.

Phukusi "Choyamba" - yotsika mtengo lokhala kochepa mbali:

- kuti apereke madipoziti mu ndalama iliyonse pa nthawi iliyonse;

- kutsegula akaunti ndalama;

- kulipira mwa ndalama ndi ntchito osachepera;

- kugwiritsa ntchito "zikufuna-Bank" chifukwa cha mphamvu ya kutali;

- kusintha ntchito mobwerezabwereza.

Monga mbali ya phukusi "Free ndalama" makasitomala akhoza kugwirizana SMS-zidziwitso, kutapa ndalama khadi popanda ntchito ndi kudziunjikira ndalama gawo mu kuwerengetsera pa mfundo khadi zogulitsa ngongole. "Banja" kumakupatsani kulumikiza misonkhano chomwecho, koma pa zinthu zabwino kwambiri: kuchuluka chiwongola dzanja .. Pa ndalama, zambiri okhulupirika kwa zinthu pa ntchito kwa ngongole, etc. Kukhala phukusi "Social", pensioners ndi mwayi chifukwa panopa ndi Ufumuyo iye mapu ufulu. Makamaka pulogalamu VIP-makasitomala Gold ndi Platinum yapangidwa umene makasitomala analandira utumiki zogwirizana ndi akonzedwa zina zambiri.

zikayenda

Institution nawo ndalama pulogalamu pokhazikitsa EBRD lapansi. The shareholder waukulu mu 2011 anali Centragas Ndagwira GmbH (89,97%). Pofuna kuonjezera mtengo wa katundu wapanga ndalama angapo okhazikika mu ndalama. IRR mlingo anabwerera pa 25%. Wapakati mawu a gawo anali zaka 4.5. kampaniyo komanso akubwereketsa "Kukhulupirira Ukraine" zinalengedwa; kubwereketsa cent "Evrofinans" ndi SC "Investment utumiki". Iwo onse amagwira ntchito kunja banki, koma mwachangu kugwirizana ndi Organization mu chimango cha mankhwala mtanda kugulitsa.

zizindikiro ndalama

Malinga ndi zotsatira za III kotala ya 2014, bungwe analephera kutsatira angapo NBU amafuna zolimbana. anasonyeza Current utachepa kuti 20,87% pa zinafunika 40%. The pazipita kuchuluka kwa counterparty chiopsezo anakwana 28,65% (ponseponse - 25%). Anthu anayamba massively kutenga madipoziti "Nadra Bank". Izi zinachititsa kuti kuwonongeka mu khalidwe kalembera wanu. Pa kotala 3 wa 2014 buku la madipoziti anatsika ndi biliyoni 1 UAH. Ngakhale outflow enieni zinali zambiri: chifukwa devaluation wa hryvnia madipoziti ndalama unakula.

kukonzanso capitalization

"Nadra Bank" (Kiev) adalowa mndandanda wa mabungwe amene NBU analola kuti asabwerere ngongole kukhalabe liquidity. Mwachindunji, bungwe mu September, yang'anira ayenera kubweza kuchuluka kwa UAH miliyoni 900. tsiku lomalizira malipiro anali kulephereka kwa December 2014. Pa mavuto kosamalira ngongole anasonyezanso kuti pa mapeto a June, banki akatulukire kwa ogwirizira a Eurobonds ndi mwatsatanetsatane kuti kusintha ngongoleyo. Kuchuluka ngongole anali $ miliyoni 59.66 ndi kukhwima mu June 2017

"Nadra Bank" (Ukraine) ali analibe ndalama mu nthawi ya vuto la 2009. Ndiye, NBU wakhala anayambitsa makonzedwe afika kukhazikitsidwa ndi thandizo ntchito ya gombe mpaka anapeza latsopano Investor - Centragas Ndagwira GmbH. Ine ndinali kukhwima ngongole yakale chidzachitika 2016. Koma, malinga ndi kafukufuku zosavomerezeka, banki osati anayamba ngongoleyo, koma ankagwiritsanso mndandanda pa capitalization lotsatira mu 2014.

Kuyesa lachiwiri

February 6, 2015 Fund Gawo Wotsimikizira anthu (FGVFL) anayambitsa makonzedwe afika "Nadra Bank" (Kiev) ndi sabata pamaso Fund ndi penshioni anasankha zokakamiza kuti kupereka phindu kwa Ukrainians. Mu NBU anafotokoza kuti chifukwa nedokapitalizatsii mayesero nkhawa banki malamulo a m'banja amayesedwa insolvent. Ambiri madipoziti ndi (99%) alibe upambana kuchuluka kwa 200 zikwi. UAH. ngongole izi lidzabweza FGVFL pambuyo utsogoleli wogwirizira adzakhala koyamba "Nadra Bank". ndemanga makasitomala pa maonekedwe kutsimikizira kuti ndondomeko izi zichitika ndi bwino nthawi zina. % 1 Only wa depositors ndi ndalama ndi kuchuluka choposa 200 zikwi. UAH. makasitomala kungatenge udzaphwanya zimathandiza kuti ndi kupeza ndalama zonse. Total malipiro analipo oposa biliyoni 3.5 USD.

ndi chifukwa chiyani

Mu NBU kufotokoza kuti banki adakali osati athane ndi vuto la 2009. No ndalama zatsopano kapena Ngopambana amafuna ziziyenda zinthu sizinathandize. Koma katswiri kusanthula capitalization mapulani anasonyeza kuti bungwe adzapitiriza kupanga zomvetsa. Choncho anaganiza kuti atchule boma wogwirizira. Dongosolo Zakale (mpaka 2009) kuti apereke ngongole unsecured. Paper Zikuoneka kuti cholinga molondola. Koma malo wokha ngati nil. Kuphimba ngongole panopa zidzagwiritsidwanso ntchito malo anapanga kale pa Firtash.

Banki "Nadra": Ndemanga

Kuwonongeka mu mkhalidwe wachuma wa depositors akhudzidwa osati komanso ogwira ntchito pa pamalowo. Nthawi handiredi pa tsiku kufotokozera anthu akulandira gawo chiwembu kudzera FGVFL ndi tikamamva ndemanga anthu osakhutira, m'pofunika kuti misempha amphamvu.

Mavuto makasitomala anayamba pa nthawi imene khola lizigwira banki "Nadra". Reviews a anthu padziko maonekedwe kutsimikizira kuti nthawi pali zolephera mu dongosolo Intaneti kubanki. Ndalama sizinawakhudze pa mfundo zofunika, ndipo iwo anali kuyang'ana kwa nthawi yaitali. Part mkwiyo unakhalapo ndi khalidwe oipa maofesi ndodo. Koma vuto limeneli si chatsopano ndipo amapezeka mabungwe ambiri.

Ukrainians kwambiri itakula pambuyo kuika boma wogwirizira mu banki "Nadra". Feedback pa maonekedwe ali ndi maganizo kugulitsa gawo chifukwa hryvnia, komanso ngati nsonga mmene kusamutsa ndalama kwa bungwe lina. Makamaka, mu Zikatero, muyenera kulemba kalata loya, zomwe zikusonyeza kuti mabungwe a zachuma akhoza kulandira ndalama makasitomala, kuphatikizapo ku FGVFL, ndi kupereka pepala ili mu "Nadra" kwa masiku angapo pamaso malipiro.

Pakuti ndalama - m'khoti

Chifukwa mavuto yaitali ndalama, anthu anayamba massively mupewe madipoziti. A kuchepa amphamvu liquidity ndi kuwonongeka chuma kumabweretsa mfundo yakuti utsogoleli wogwirizira anadzetsa mphika. Malinga ndi malamulo, kuyambira tsopano ayenera chinkhoswe mu FGVFL makasitomala obwezeredwa. Pa chitukuko cha kulingalira ndi zimatenga nthawi yaitali. Anthu ambiri amayesera kuti ndalama zanu kudzera m'makhoti. Tsopano Mwina chisankho chabwino ngakhale apamwamba. The Supreme Court walamula mabungwe a zachuma kubweza ndalama osati kwa nthawi ntchito za chuma, komanso kwa nthawi pambuyo kuchotsa mgwirizano.

Woyankha banki "Nadra" anaonekera pa zochita zingapo zimenezi. Reviews makasitomala amene ayesa chiwembu izi, amasonyeza kuti chigamulo cha khoti anapangidwa osati mu mtima wa bungwe ngongole. Koma ngati sitepe m'pofunika yekha ngati gawo kuchuluka kuposa thumba kungakupatseni. Apo ayi, ndalama malamulo angathe kuposa kuchuluka kwa gawo lapansi. Koma izi amangonena za kuyan'anila za mfundo za malipiro. Chinthu china - ndi issuance a madipoziti dollar mu ndalama dziko. Lamulo ikuti kuti ngati mlandu ndalama yaperekedwa pa ndalama national pa mlingo wa NBU chilolezo tsiku revocation. Izi ndizimene zimachitika ndi banki "Nadra". 02/06/15 chilolezo chichotsedwa. Chikalata kusinthitsa ndalama pa nthawi imeneyo zinali za 18-19 UAH / USD, ndi pa interbank msika - .. 23-25 UAH. kusiyana ndi yaikulu, makamaka ngati kuchuluka kwa chopereka zikwi zingapo. Y. e. amakhumudwa ndalama ayesa kutsutsa chisankho mu khoti, koma zotsatira panobe.

The liquidation wa banki

Mu April 2015 ku National Bank "Nadra Bank" waganiza kuti mupewe msika. Malipiro ayambe kale mu May 2015. Pa 12.06.2015 akuyamba Gawo lachiwiri la adzabwerenso madipoziti. Adzakhala mpaka July 23, 2015. ndalama adzakhala alipiridwe kupyolera m'mwamba, "Raiffeisen Bank Aval". chigamulo pa reimbursement wa chopereka anthu amene musapatuke mu nthawi mwachindunji ndi wothandizila, kodi tikambirana payekha pambuyo patsikuli. Zolemba kuthetsa banki "Nadra" Bank National ali allocated chaka chimodzi (mpaka July 2016).

Pomaliza

zaka khumi zapitazo, mmodzi wa waukulu mabungwe kukongoza mu dziko ndi "Nadra Bank". "Zikufuna-Bank", panopa, gawo, khadi nkhani malipiro, inshuwalansi, kubwereketsa - izo zangokhala yaing'ono mndandanda wa ntchito zoperekedwa ndi mabungwe ndalama anthu. Mu nthawi ya zovuta 2008-2009 , a Bank ankafunika recapitalization. Kenako anagula kampani Centragas Ndagwira GmbH. Koma miyezo anatengedwa kubwezeretsa chikhalidwe ndalama sikunali kokwanira. Mu February 2015, oyang'anira wogwirizira unayamba mu Bank. A kusanthula ndalama zasonyeza kuti sanitizing banki sizimatanthauza. Choncho, anaganiza kuti athetse izo. Malipiro oyamba depositors kale. Yoweyula chachiwiri inyamuka nthawi kuchokera 12.06.2015 pa 23.07.2015 chaka.