"Delta Bank": ndemanga kasitomala ndi ndodo

Ngakhale mbiri yake lalifupi, "Delta Bank" ali msanga zinatchuka mwa anthu. Anthu ndi bungwe otsika ndi pakati-ndalama ndalama ali ololedwa kugula katundu pa ngongole kapena kubwereka ndalama. Bank mosavuta apulumuke mavuto azachuma ku Ukraine mu 2008. Komabe, masiku ano zinthu siziri choncho yosalala.

A mbiri pang'ono

PJSC "Delta Bank" anawalemba mu February 2006. Mu nthawi yochepa zinatchuka kwambiri mwa anthu. Woyambitsa chachikulu ndi Nikolay Lagun. mabungwe Financial chinayamba pa zikomo mphezi liwiro kwa ogula ngongole. Pafupifupi hardware sitolo anali kuimira bungwe, amene anadzipereka kuti apereke ngongole kwa malonda. Makhadi - Patapita kanthawi, mankhwala atsopano polima.

Ndi chilengedwe bungwe PJSC "Delta Bank". Kasitomala ndemanga limasonyeza kuti pakhoza kuitanitsa, kuti apereke zosiyanasiyana mankhwala ndalama. Koma pachiyambi cha zochita zake zambiri za mbiri za umachitika yaing'ono ogula ngongole. Mwina chifukwa cha kuti anatha kupulumuka kufufuma mu 2008. Ndipotu, zinakhudza makamaka mabanki kuti iye akutsindika pa kubweza ndi galimoto ngongole.

Za bungwe ndalama lero akhoza kumva zosiyanasiyana mayankho. "Delta Bank" (Ukraine) ali zopezera mwachilungamo yaikulu ya maofesi. Mu 2014, 222 nthambi kudutsa dziko anatulukira. Makasitomala mosavuta kulipira ngongole kapena kuika ndalama pa gawo popanda ntchito. cardholders kunangotsala chikuyenda. Ndipotu zopezera ATMs wa bungwe chuma anali wamng'ono kwambiri.

ogula kukongoza

Mfundo zikuluzikulu mlingo bungwe ndalama zimapangitsa kuti anthu ndi ndalama pakati ndi otsika. Opangidwa kuchokera ngongole katundu 20 zikwi hryvnia. Iwo anali osavuta ogula ngongole popanda kuphedwa ina. makasitomala ambiri osangalala, kuti kusainira yekha pasipoti ndi malamulo chizindikiritso zinali kupereka zofunikira. Ndondomeko lonse la ndikupeleka anatenga mphindi 40. Mayiwo amadzadza fomu yofunsira deta ndi waukulu, ndipo anadikira yankho ngongole ziyenera. Patapita kanthawi, munthu akhoza kupita kunyumba ndi katundu anagula.

Nthawi pazipita zimene zinali zotheka kuti apereke ogula ngongole, anali miyezi 36. Kokwanira zinthu okhulupirika ngati zaperekedwa "Delta Bank". Reviews cha ngongole kwa makasitomala anatsala kwakukulukulu positive. Ndipotu, nthawi zina bungwe ndalama kuti azichita zinthu ndipo akhoza kugula katundu pa 0% Apr.

makhadi

Ngongole - Mu 2007, mankhwala atsopano inali kuperekedwa ku banki. Tsopano makasitomala kugula katundu, analibe kulankhula ndi banki kapena pa nsonga ya malonda. Ndalama akhoza nthawi iliyonse kutapa pa nkhani ngongole, kapena kulipira pa sitolo kudzera osachiritsika a. makhadi alandira zosiyanasiyana mayankho. "Delta Bank" (Ukraine) poyamba anapereka mitundu iwiri ya makhadi. mankhwala Universal zimaperekedwa kwa makasitomala amene adatembenukira kwa bungwe ndalama kwa nthawi yoyamba. Zinali khadi ndi ngongole malire a ku 3000 UAH. ndi chiwongola dzanja la 23% pa annum. Panalinso wokhulupirika mankhwala ndalama. Izi ndi ngongole kuti amapereka makasitomala kale ogwirizana ndi banki. The ngongole malire ndi 5000 USD, ndi chiwongola dzanja -. 19% pa annum.

Chifukwa khadi pulasitiki bungwe ndalama anakwanitsa kuonjezera ngongole zake mbiri. Pafupifupi kasitomala amene kamodzi inachita pangano ndi banki anali wokhutitsidwa ndi ankafunanso kuti apereke ngongole. Mu 2008, kamangidwe ka makadi pulasitiki mipingo pa mavuto azachuma. Anabwerera mankhwala (ndi zinthu zina) yekha mu 2010.

Cooperation ndi ndalama

Popeza penipeni, kosamalira chuma kwachititsa ndalama. madipoziti mgwirizano angayandikire onse mu dziko ndi ndalama zakunja. Iwo anali wotchuka pa madipoziti kwambiri yaitali. Makasitomala ndi mwayi kuika ndalama pa 18% zakwawoko ndi 9% mu yachilendo. M'nthawi ya mavuto azachuma, chiwongola dzanja pa madipoziti kuchuluka zayamba. Anthu ankaopa kudalira ndalama zawo mabungwe a zachuma. Anapeza njira kwa makasitomala ake, "Delta Bank". Reviews a depositors wa 2008-2009 likhoza kumva positive. Ndipotu, ngati izo zikanakhala zotheka kuti gawo mu ndalama national pansi 24%! Anthu amene sali owopa zamavuto ndipo apatsidwa ndalama zawo ku banki, anatha kwambiri kuonjezera likulu lawo.

Ziipe zinalili mu 2014. Makasitomala amene mantha ndalama national mwadzidzidzi anayamba kutsirizitsa Mapangano awo madipoziti oyambirira. Munthu anakhoza yomweyo ndibweze ndalamazo. Ndipo wina anatenga ndalama zonse ndi tsiku lino. Panthawiyo, ndalama zonse depositors ayenera kubweza "Delta Bank". Reviews a madipoziti amene kukonzedwa kale, makamaka positive. Ndipo izi chikugwirizana osati ndi mtengo mpikisano chidwi, komanso mogwirizana ndi Bank Fund Wotsimikizira miyala ya anthu achilengedwe. Izi zikutanthauza kuti ndalama iliyonse depositor ayenera anabwerera mkati 150 zikwi UAH.

Zanyumba mu "Delta Bank"

Kubweza kukongoza bungwe ndalama anayamba kupereka pachiyambi penipeni pa ntchito yake. Zamkatimu zikusungira antchito yekha anasankha akhoza kutamandidwa. Public izi mankhwala ndalama anakhala yekha mu 2013. Zokwanira okhulupirika kwa zinthu zoperekedwa "Delta Bank". Zanyumba anali ndemanga yekha positive. Anthu ndi ntchito yokhala ndi ndalama khola mugule nyumba ngongole 9% pa annum. The pazipita ngongole akuti - zaka 15. Panthawi imeneyi, kunali kotheka kwathunthu ngongole ya.

Ndipo ndalama zakunja zanyumba anapereka akatunge mgwirizano, "Delta Bank". ndemanga kasitomala akhala kwambiri poipa pamene dziko anam'pezanso mavuto azachuma. ndalama zakunja kusinthitsa ndalama ndi hryvnia anaimirira, ndi kulipira malipiro osachepera nyumba sakanakhoza kukhala zonse. Anthu amene yake apilo ku banki ndipo anamufotokozera vuto langa, n'kupita kukakumana naye: mawu ngongole akhala m'Chingelezi chosavuta.

Car ngongole

Kugula galimoto ngongole ntchito "Delta Bank" zikhoza kukhala mwamsanga 2006. Komano bungwe ndalama amapereka chimodzi chokha mankhwala ndalama mderali. Makasitomala akwanise agule galimoto ndi mtunda ndi 16% pang'onopang'ono pachaka.

ndipo anayamba amvekere ngongole kwa magalimoto atsopano "Delta Bank" kuyambira 2010. ndemanga kasitomala ndiye munkakhala positive. Chifukwa zinthu izi okhulupirika a kalembera wa mgwirizano. The yokhala mu komitiyi ya ngongole ndi zaka 7. Ndi chiwongola dzanja ndi mwachindunji amadalira mlingo wa ndalama m'galimoto kasitomala mtundu, amene akufuna kugula. Panali zoletsa zaka yekha. Kunena mgwirizanowo akanatha zaka makasitomala kuyambira 25 mpaka 60.

Mu 2014, ngongole galimotoyo inaimitsidwa. The Bank anapitiriza kugwirizana okha ndi makasitomala amene mapangano amene anapangana kale.

nkhani Current

"Delta Bank" anayamba kukopa makasitomala makampani kuyambira mu 2010. Kasitomala ndemanga limasonyeza kuti chuma asankha kukopa ndalama monga ambiri ofuna ngati nkotheka. Ife kulowa mapangano ndi mabungwe osiyana ndi maziko. Ambiri anayamba kulandira malipiro pa khadi bungwe ndalama. N'zimenenso akufuna kuti apereke ndalama moyo chikhalidwe "Delta Bank". Penshioni khadi ndemanga anali zosiyanasiyana. Ambiri mwa makasitomala nakhuta. Ndithudi, pansi pa mawu a pangano ndi bwino zabwino pulasitiki ayenera accrue. Iwo likukhalira kuti pantchito makadi yachibadwa amagwiritsidwa ndalama zolipirira.

Si wosangalala makasitomala yekha, pakalibe ATM. Kutapa ndalama kuchokera khadi popanda chiwongoladzanja kungakhale kokha kubanki.

"Delta Bank". Feedback ku ndodo

PJSC "Delta Bank" kwa ogwira ntchito achinyamata ambiri - ndi mwayi wawukulu kuyamba ntchito. Kasamalidwe mkulu wa bungwe ndalama wakhala Pamilunguyo wokhulupirika mfundo cadre. Khalani zachuma ndi banki akanatha ngakhale ophunzira a chaka chomaliza mayunivesite ndi kukondera apadera. Pofuna ntchito msilikali ngongole, iyo inalibe kuti maphunziro dera zachuma. Chinthu chachikulu kuti munthu mosavuta ophunzitsidwa ndi sociable.

Ndodo ya bungwe ndalama zonse analankhula zabwino za iye. Panthawi yake malipiro, ndodo wochezeka ndipo sadzatha maphwando kampani - amene ayenera kukhala ntchito wangwiro?

utsogoleli wogwirizira

Mwatsoka, banki sanathe apulumuke mu 2014. Kuthetsa magulu onse linkafuna kukhazikitsa ndalama mlingo yachibadwa. Koma kufufuma yaikulu anachita ntchito yake. Kale utsogoleli wogwirizira mu "Delta Bank" kunayamba mu March 2015. Mlendo zothandizira kusonyeza kuti ndalama zawo kumbuyo pa vutoli, ndipo ngati bwino, sizidzakhala zophweka. Tili kuima queues yaitali kuti udindo payekha utsogoleri. Chuma kutonthoza kuti ndalama zonse depositors 'mudzabwezedwa. muyenera nthawi yokha.