"PSA Bank": ndemanga za depositors, madipoziti, mavuto

"PSA" banki depositors ndemanga yomwe posachedwapa anayamba kuoneka ndi kum'chitira negative - ndi ngongole chilengedwe ndi bungwe ndalama imene nkhaniyo ali ndi ndalama zokwanira lalikulu ndalama zakunja. ntchito Basic mabungwe - ndi kugwira ntchito ndi makasitomala makampani ndi anthu, ntchito ndalama ndi utumiki mayiko makasitomala, wotuluka yapakati-gombe. Mbiri ya «VAB» banki amapita ku lakutali 1992. Malinga ndi mlingo gulu la mabanki malinga ndi NBU, kukhazikitsidwa a malo 1st mu gulu la mabungwe zopezera ndalama mu dziko. Nthambi ya bungwe ndalama ntchito kulikonse boma.

«VAB» banki, zomwe amakambirana akhoza kukumana ndi zoipa, ndi thandizo dongosolo labwino la malipiro lonse. Izi Visa International, MasterCard ndi International. Lamulo banki ndi ku disbursement mapulogalamu penshioni.

Kodi anakopeka kugwirizana?

"PSA" banki wakhala chidwi cha ndalama, ngati anali ndi mbiri wopanda. A bungwe lalikulu ndalama ayenera kulephera ngakhale munthawi zovuta kwambiri. Kukula ndi nambala ya nthambi banki mu Ukraine anasonyeza kuti dongosolo sadzakhala kusokonekera. kampani anali ngati maziko a dongosolo lonse la ndalama dziko, ndipo defaults kuti patsogolo anali kugunda chuma. Monga mbali ya gombe anali nthawi zonse zilipo ndi yabwino kwambiri kuwombola dollar mlingo. Kasitomala amapereka ntchito mosalekeza ndalama ndi ndalama kochepa. Payokha tinganene wa madipoziti, amene pa maziko a nsembe zina pa msika kuyang'ana wokongola kwambiri. Pafupifupi zaka makumi awiri mbiri yonse ya Bank madandaulo kwa makasitomala sanachitepo, onse chidwi ndi madipoziti mwini linalipiridwa m'nthawi yake. Ndi onse mu zovuta ndi kuonetsetsa yonena za bungwe la zachuma, kwachititsa kwambiri za ndalama mgwirizano. N'chifukwa chiyani bwinobwino yekha ikuwombedwa vuto la 1998 ndi 2008.

Kodi manambala, kapena atsopano ziwerengero zabwino

Ngakhale mbiri yabwino kwambiri ya gombe, ndi ziwerengero atsopano kusonyeza pali mavuto kosamalira ndalama. Malinga ndi kafukufuku, kukhazikitsidwa ali malo oyamba mu mlingo a mabanki Chiyukireniya ndi membala wa gulu lina. The ovomerezeka likulu la bungwe "VAB" banki, amene ndemanga si bwino, wofanana 3.048.619 zikwi hryvnia. Net ndalama chidwi anali womaliza lipoti nthawi, malinga n'kuŵerengera banki, 475 543 zikwi hryvnia. Pali chizindikiro china chidwi yoonetsa zinthu - phindu kwa nyengo, zomwe chimachititsa pafupifupi opanda zikwi 50 hryvnia. Against maziko a zizindikiro otsala kuchuluka si kwambiri, koma akhale nawo nkhawa liquidity mabungwe a zachuma.

Kuyambapo Vuto loyamba?

Pakuti depositors koyamba "PSA" banki nthambi imene ntchito mu Ukraine, anayamba mavuto ndi malipiro a madipoziti m'chaka cha 2014. Komanso, akuchedwa anali osati mbali ya kubwerera kwa madipoziti, komanso kulipira chidwi pa madipoziti. kasamalidwe banki sanamulole mantha nthawi ndi nthawi zonse lolunjika pa chakuti bungwe la zachuma posachedwapa kupeza refinance wabwino, mavuto onse adzapita mavuto afika akutali zapitazi.

mawu awa kunali osati chinyengo, ndipo pa chiyambi cha nyengo zovuta kukhazikitsa ndalama kwenikweni ndalama zabwino chifukwa Olegu Bahmatyuku anatha kukambirana ndi boma latsopanolo. kasamalidwe banki kuti atenge kutitimira ndi kulengeza issuance wa gawo kuchuluka kwa 1000 hryvnia patsiku. Ndithu tranche kenako kusiyiratu pafupifupi mwathunthu. Pali mfundo kuti thandizo lalikulu ndalama anathera azikhala Bakhmatyuk malonda ndi kukhalabe ndalama. Ngakhale mfundo izi kutsimikizira zosatheka. Komanso, atolankhani mobwerezabwereza olembedwa zoti kuli pa ndalama za depositors wa ogwira "VAB" banki, zomwe amakambirana chiopsyezo bizinesi amanga ntchito yake ulimi.

Tiyeni tibwerere ku adzabwerenso madipoziti. Malire a 1000 hryvnia anachita yaitali. Pamene zotchulidwa malire pa dzanja limodzi kuchuluka ndi sanalandire. Pofuna kuti awawopsyeze kutali malire savers kuchepetsa mpaka 500 300 hryvnia, atsogoleri anabwera mosiyana. Ndipotu ndalama chenicheni chinali mu madesiki ndi ndalama za kubanki ndi osapitirira 1-2 nthawi sabata. Zosintha nkhani zina anatsekedwa. Pakuti kuchotsa msanga ya mgwirizano, makasitomala alipire 10% gawo. Ndipo izo zinali basi nsonga ya madzi oundana a. Izo zonse poyera mbiri monga "PSA" banki bungwe ndalama. Reviews mu 2014 anali chizindikiro choyamba cha mavuto akudza.

N'chiyani chimachititsa akuganiza chimodzi: kasamalidwe zosayenela

Malinga ndi mfundo atsopano ofalitsa nkhani, mwini wake wa "PSA" pamtengo mu depositors kampani banki ndemanga imene mwezi uliwonse akupeza liyipirayipira, ali kale mu Ukraine Bakhmatyuk. Ngakhale kuti mwini wa magawo ndi wakana kugwirizana kwa osunga ndalama, mfundo ndikuuzeni nkhani zosiyanasiyana. Monga ife tinapeza, ndi ngongole ndalama bungwe kampani nthawi yomweyo 4, yomwe ndi chuma Bakhmatyuk: "Rayz Maksimko" ndi "Niva", "Spetsagrarproekt" ndi "Agro Alpha". Komanso, oyang'anira ndalama bungwe - munthu pafupi otsiriza, amene anachita m'malo mwa nthumwi zake angapo Kuthi bwalo. Choona chidwi n'chakuti ngongole anawapatsa makampani ulimi kuti anapatsidwa pansi kuchuluka zopusa mu 16%, amene ali pafupifupi wofanana ndi mapulogalamu gawo, ndipo sifikira ndi zomvetsa wa bungwe ndalama. TV ndi mawu ochuluka amakonda kuti "VAB" banki, omwe amakambirana ndi zoipa, wogulidwa pongofuna cholinga cha crediting makampani ulimi tatchulazi, ndi mgwirizano ndi matanthauzo opindulitsa kwa anthu ndi makasitomala mgwirizano ndi mawu sanapite. ndondomeko osaphunzira utsogoleri watsopano anatsogolera chakuti kosamalira ndalama "PSA" banki depositors amakambirana osauka.

Bobble chinyengo: mbiri ya vuto

Kuwonjezera pa ntchito oletsedwa ndi chizolowezi ndi boma latsopano mabungwe a zachuma "wa VAB" banki, makampani tsoka anatsimikiza mwachinyengo ndalama, omwe anali mobwerezabwereza otchulidwa nyuzipepala "Madzulo News."

Poyamba, anthu wakhala alipo za kunyanyala olandira ndalama, amene anakana kwamtuwagalu kuchita wotuluka kuwombola yachilendo simuli pansi pa chilamulo cha kasamalidwe akumufuna. Bank anayendera zosayembekezereka anatsimikizira kuti mwa mabungwe ankachititsa ntchito owonjezera $ 4 miliyoni. Izi ndi nthawi 10 kuposa ndalama kwenikweni anagula kwa anthu. Ndiye ife mwachindunji kuti njira ya kugula ndi kugulitsa ndalama US mu msika pa nthawi banki anali mmodzi wa okongola kwambiri.

Iwo imakongoletsa zinthu chifukwa chakuti kugula ndalama zakunja kuchuluka kwa ochiritsira kasitomala 100- $ 200 sikunali kotheka, chifukwa olandira ndalama ali amangokhalira kulankhula pakalibe ndalama pa dzanja. kafukufuku anasonyeza kuti tsiku lililonse mu ofesi anagula masauzande madola, ndipo izo basi mu dzanja limodzi. Pankhaniyi, malipiro anagawidwa magawo angapo, kuti akope tcheru. Ntchito zikalata zabodza. malisiti onse yolembedwa ndi anawapatsa ndalama pa. Buku okwana wotuluka masana zina kuposa $ 2 miliyoni, kumene munthu amasonyeza mwa zikalata. NBU chiyani sakwanitsa kukhazikitsa mmene zinthu ntchito kubanki komanso kukweza kwa wotuluka chiyani sizigwirizana ndi zochita chenicheni cha olandira ndalama. Komanso, kujambula ndi vidiyo pamene afufuze anali sikunapatsidwa zonse, ndi matepi ena anali wokwera. Pa mfundo za kuphwanya banki anataya chikhulupiriro mwa NBU, ndipo ali pansi pa akhoza kusiya chilolezo cha. Misampha kuwononga mbiri komanso kukhazikitsidwa kwa "PSA" Bank, ndemanga zinayamba kuoneka zoipa.

Monga ndalama akuvutika?

ndondomeko osaphunzira utsogoleri watsopano, amene amalola kuti apereke ndi Mipikisano miliyoni chidwi wopanda ngongole limakhudza anthu ntchito ya gombe la udindo wake kwa depositors, limene pali zambiri. Business njira, pamodzi ndi malipoti kukhota, zimakhudza mbiri. Ikufotokoza chakuti akhale ndi "PSA" depositors banki ndemanga zoipa posachedwapa. Malinga ndi makasitomala, amene anali yaitali mogwirizana ndi yamasika ndi sizinachitikepo anatsutsa, lero pali mavuto ena. Izi si malipiro a madipoziti kumapeto kwa mawu awo. mavuto makamaka imakhudzana ndi zopereka dollar. Kuyesa kuthetsa mavuto a bungwe chuma ndi kukopa ndalama zakunja ku likulu la anakumana ndi kulephera Choncho, mavuto mwamsanga ndi madipoziti anakhalabe Limbo.

Kodi achire wa madipoziti, ndipo kaya ikuchitika pa onse?

The kuli mavuto kampani "PSA" Bank zonse ndemanga kunena. Ndalama osati simungapeze manja anu pa ndalama zawo, iwo ndi chiwerengero cha zovuta chifukwa chosowa amagwirizana kwambiri. Analandira malipoti mwadongosolo wonongeka Intaneti banki ndi kupanda mwayi kuti anasamutsidwa. Ngati kale zatchulidwa pa khadi nkhani ndalama ku gawo akhoza kuchotsedwa pa ATMs "Mpweya" kapena malipiro si ndalama m'masitolo lero, zimenezi sizingatheke. Makasitomala alibe ngakhale n'zotheka kusamutsa ndalama zawo pa nkhani wina ndi mzake.

Pa bokosi nthambi ofesi ndi mwadongosolo palibe ndalama, ndi ATMs ali kanthu. Guide «VAB» Bank Oleg Bakhmatyuk nkhope ali akadandaule pempho kwa Bank National kwa recapitalization wa m'banja. Mwatsoka, pempho anapatsidwa kalata yomasulira, popeza malamulo a ntchito za kukhazikitsidwa kwa wachita kale Mufunsidwe. Ndi chiyembekezo lotsiriza la ndalama analola kuima pa chiyambi cha 2015 mizere yaitali kuti sanam'bweretsere chifukwa chilichonse. Udzathetsa obwezeredwa ndi - ndi malipiro inshuwalansi thumba, ngakhale tsankho.

Misonkhano ndi zionetsero - monyanyira kumene ndalama ndi

About "PSA" banki kasitomala ndemanga pa chaka chathachi anapeza zoipa okha. Anthu mantha kuyesera kubwerera ndalama zawo. Pambuyo kumayambiriro Amnesty zosakhalitsa ndi bungwe NBU anazindikira insolvent. M'dziko zinthu zisaipe si kwa ndemanga negative. Anthu kupita ku misonkhano, iwo anayesa kuti ndiyankhule ndi utsogoleri wa bungwe, zomwe, moona, kodi si kubweretsa zotsatira. Panalinso nkhani Kiev, limene linalembedwa mu TV m'deralo, pamene akazi anatenga misewu ndi zikwangwani kuitana kuti abwerere ndalama, ndi oletsedwa kayendedwe ka magalimoto m'misewu ya Kiev. Kwa zaka zambiri ndi ntchito yopindulitsa ya gombe akhala akukuchitirani ndithu zambiri makasitomala, makamaka pa kayendetsedwe wakale wa bungwe ndalama zonse amanga ntchito yake mu njira monga kukwaniritsa udindo wake onse makasitomala. Chinthu chokha chimene amasangalala zothandizira lero - ndi mawu a Alexander kalaliki uja adapita amene amatenga malo pamwamba pa kazembe woyamba NBU. Malinga ndi iye, misonkhano othandizanso kuchita zinthu zonse kuti atulutse "PSA" Bank (Ukraine) kuchokera ku msika pa nthawi yomweyo kukwaniritsa ambiri amanena wa angongole.

Malipiro kuchokera Fund wa kungakupatseni madipoziti: ngati kudalira osachepera malamulo?

Kamodzi September 2014 mu "PSA" mavuto banki zomwe zagwira zikwi za anthu kudutsa Ukraine makonzedwe wogwirizira kunachitika Fund wa madipoziti kungakupatseni ankatenga kukhoma 200 zikwi hryvnia lililonse depositor ngati gawo kuchuluka ndi wofanana kapena wamkulu kuposa miyezo . Malipiro aikidwa kumapeto kwa 2014, ndipo nthawi imeneyi ndipo pa ofesi bokosi akadali ntchito maudindo ndi ku ofesi ya Ukrsotsbank ima pamzere anayamba kusonkhanitsa. Makasitomala bungwe "PSA" banki, amene madipoziti zaka zingapo zapitazo amakopeka kwambiri anthu olembedwa mndandanda kuti mwachindunji nthawi ndi ndalama. Linali tsiku pambuyo maulendo a ndalama iliyonse analipira.

Nkhani akupitiriza tsiku ndi tsiku. Anthu anali kuti apereke makadi ndi pang'onopang'ono ndiyotani iwo analipira. Information pa kukhazikitsa utumiki wa kudzipereka pa mbali ya Fund National Wotsimikizira Bank Gawo silinakwaniritsidwe lipoti. zinthu zotsalira za bondo lero.

Amene mlandu Bakhmatyuk kapena zinthu mwa maso a bizinesi ukrainskgo

Nkhani ina imene anamenyedwa "PSA" banki, anagunda matumba a anthu ambiri a Ukraine. Koma chinthu chidwi kwambiri nthawi imene waukulu shareholder Bakhmatyuk bungwe ndalama salandira wolakwa. Iye amaika udindo pa zimene zinachitika pa NBU. Malinga ndi iye, iye anapereka kupulumutsa vutoli kukhala mabungwe ndi Investor, anakonza kuti aganyali mu "PSA" Bank (Kyiv) monga shareholder biliyoni atatu hryvnia. Bank National analonjeza kuti capitalization zina kuchuluka kwa biliyoni 4 hryvnia. Komabe, pa mphindi yotsiriza anakana boma recapitalization. A ulendo wachiwiri kupulumutsa zinthu Chiyukireniya bizinesi - kupereka ngongole subordinated wa banki kwa zaka 10, koma chifukwa cha mbiri ya Investor wa Othandizana kupereka anakanidwa. Chifukwa lingaliro ili la NBU anali Commission, amene wabwera ku banki kukayendera ndi kukonza mfundo za chinyengo ndalama. Mwatsatanetsatane zochitika mkati mwa gombe sanathe kuona ngakhale akatswiri pamaso pa mfundo zonse zilipo zowerengera. Media yoweramitsidwa chakuti kulephera kulamulira zinthu ndipo anakankhira NBU kuti kuwonongedwa kwa banki yaikulu ya dzikolo.