"The kukula kwa Bank ': Mavuto (2014). OJSC "Bank of Growth", Rostov pa-Don

JSC "ROST Bank", popeza anakumana vuto mwamsanga 2014, pa nthawi ndi bwino bungwe la ndalama, amene amachirikiza ndi boma zoweta. Ofesi chapakati banki ili m'malire a Moscow. Nthambi ali mu madera osiyana a dziko, kuphatikizapo Rostov pa-Don ndi Orel, Ryazan ndi Murmansk, Tver ndi Saratov, ndi malo ena ambiri. Likulu ovomerezeka wa Institute ndi 2.375.139.760 rubles.

Tiyeni tipite mmbuyo mu mbiriyakale

"Bank Growth" anaonekera mpaka kumbuyo 1994 ndipo linkatchedwa pa nthawi ngati banki "Kazan". Mu 2004, mawonekedwe mlandu wa bungwe ndalama linasinthidwa ku LLC kuti JSC. Mu 2013, kudzera pophatikizana a mabanki "Growth" ndi "Kazan" unapangidwa bungwe chuma masiku ano umadziwika "kukula kwa banki." Chifukwa cha bungwe ngongole lero ali pafupifupi 40,000 anthu 3,000 mabungwe alamulo. chiwerengero cha anthu amene anasankha bungwe monga mnzanga, ndi mwadongosolo kuwonjezeka. Mawu ake ndiponso gulu ndalama ukugwira pansi chiphaso ambiri a Bank ku Central la Russia ndi chigawo cha kumanja kutsegula nthambi mu dziko ndi kunja.

ndondomeko Financial ndi zofunika za bungwe la banki

JSC "ROST Bank" (vuto mu 2014, mwatsoka, anali kwambiri) m'mbiri yonse linakhalapo monga kutsogoza waukulu wakhala ndinaganizira zofuna za makasitomala. Izi bungwe ndalama oyamba pa msika kupereka bwenzi lathu zabwino mankhwala banki ndi zaluso. Maphunzirowa watengedwa pa mgwirizano yaitali aliyense makasitomala.

strategy chitukuko gulu yodziwika ndi okhwima conservatism. Ntchito imachitika mwapadera mu weniweni gawo la chuma. Bank utumiki nthawi zonse zazikulu, modernized ndi wangwiro monga umisiri zapita patsogolo kwambiri. The bungwe ndalama mfundo yogwira ngongole, zonse ndipo pang'ono ndi pang'ono anali kuchulukirachulukira mbiri.

bwenzi odalirika

"ROST Bank" Rostov pa-Don, komanso maofesi Moscow ndi St. Petersburg, ndi membala wa REUTERS ndi machitidwe OFULUMIRA. Izi zimathandiza kupereka makasitomala ndi mautumiki a remittances lonse, zimasonyeza ogwira kudalirika. abwenzi Ofunika bungwe ndalama - ndi OJSC "URALSIB" ndi OJSC "Rosbank". The Bank amakhala asapita mtolankhani ndi mabungwe akunja monga:

• Deutsche Bank Trust Company America mu United States.
• Deutsche Bank AG ku Germany.
• Commerzbank AG ku Germany.
• VTB BANK ku Denmark.
• AG ku Germany.

OJSC "Bank KUKULA" ndi Moscow Mayiko Chodikanira Association ndi Association of Russian Banks ali chiwalo cha machitidwe mayiko malipiro Visa International ndi MasterCard International, zochitika pa malonda pa Moscow yosinthira ndalama ndi MICEX.

Kodi chinachitika mu 2014?

Wangwiro Bank nkhani si nthawi zonse kusanduka bwino ndipo mwakachetechete. Posachedwapa, panali manyazi lenileni, amene, mwamwayi, ndi zomvetsa zazing'ono anali kupirira "kukula kwa banki." Mavuto ndi Bank ku Central inayamba kumayambiriro malire pa issuance wa madipoziti chinalembedwa mu 2014. The bungwe ndalama amalipira depositors ake pazipita 30,000 pamwezi. Anthu ankayenda tsiku ndi tsiku mu ofesi kukatenga ndalama.

zinthu wakhala chidwi cha Bank ku Central Akuluakulu a ku Russia ndi chifukwa chakuti "kukula kwa banki" Rostov pa-Don wagwa zikuchepa mu mlingo Standard & Poors bungwe lonse, osati m'malo ochepa, ndi mlingo wa boma chisanadze ofikira. Okayikitsa wasankha bungwe ndalama Mtsogoleri, amene m'kupita kwa ziyenera a zinthu wavumbulutsa nkhani zokhudza kukongoza oletsedwa, zimene zinachititsa kuti vuto lalikulu kwambiri.

anali chinthu kwa chaka cha 2014 vuto chiyani?

Kuwonjezera pa mfundo yakuti "kukula kwa mavuto mabanki 'liquidity mu 2014 anali ndi kuchepa lakuthwa kwambiri mu kufanana kwa chuma pano ndi kukongoza oletsedwa, amene anali chiŵerengero mmodzi wa ma sheya hoda lapansi. Malinga ndi akatswiri, bungwe ndalama zikugwira yogwira kuswana kwa chuma ku mbali mwa ngongole fictitious mmodzi wa eni.

Monga akunenera TV, mmodzi wa eni a mafuko, ndicho Oleg Karchev, iye ankachita "pamapindikira inatha" wa kampani yake Merlon, mwamphamvu kutsatira chiwembu cha ngongole-ndi-usiku makampani. Malinga ndi ziwerengero kuyambirira, kuchuluka kwa ndalama zaulere miyambo ndi misonkho amayezedwa mabiliyoni rubles. Akusowa chuma anakhala banga wakuda pa mbiri ya "kukula kwa banki" Rostov pa-Don, Moscow ndi nthambi za mbali zina za dziko. Kuperewera kwa chuma kuchuluka kwa rubles biliyoni 10 anakanthanso osati bungwe lokha, komanso mabanki obnalnogo monga gulu lake: JSC "Tveruniversalbank" ndi JSC "SKA-Bank", JSC "Cedar" ndi JSC "BaykalInvestBank".

zikuoneka kuti mavuto ndi ndani?

Pafupifupi mwalamulo ponena kugwa kwa zachuma dzina lake Alexei Korneshov. Shareholder a JSC "ROST Bank" nkhani anayambitsa chinyengo zolinga zake. bambo ake, omwe anali kale mutu wa Moscow State University maluso, ndi za iye mobwerezabwereza olembedwa pa TV zoweta, kuphatikizapo boma, monga anthu, osati kuwononga mabungwe a zachuma, komanso alolera lonse chuma cha boma. Shareholder a JSC "ROST Bank", mavuto amene sanali popanda chifukwa, poyamba co-mwini "Sibekonombanka" mosatsata laisensi yake mitundu yonse ya nkhanza mu 2007, ndi shareholder wa banki "CFT", kuchokera 2013, si chiphatso.

Ngakhale mphekesera ziŵalo zinachitika

Pambuyo kumayambiriro "ROST Bank" Rostov pa-Don ndi nthambi mu mizinda ina ya utsogoleli wogwirizira anayamba mwachangu kulankhula za konzanso. Zindikirani wa liquidation wa bungwe ndalama anaonekera pa TV. Malinga ndi yamasika, konzanso idzaululidwa kuti mabanki onse gulu: JSC "AKKOBANK" ndi JSC "Tveruniversalbank", JSC "SKA-Bank" ndi JSC "Cedar", JSC "BaykalInvestBank".

Pa msonkhano, nthumwi ya "kukula kwa Bank 'mavuto sanayambe kujambula mwatsatanetsatane, koma chabe kunena kuti akonzere adzakhala. The Bank kupitiriza mgwirizano kuberekana ndi Bank ku Central ndi akulingalira miyeso mphamvu kwa kudzilungamitsa kusintha. Komanso mudziwe inaperekedwa kuti "kukula kwa mavuto mabanki 'mu 2014 kumaphunzira mwakhama, ndipo woyamba wa zonse kuti akwaniritse udindo onse makasitomala, chiwerengero cha madipoziti amene analipo biliyoni 40 rubles pa November 1, 2014. Ngakhale mawu ndi woimira bungwe la ndalama, wayamba konzanso ndi mosamalitsa ndondomeko ya dongosolo liquidity kuchira. Lero, limamasula bungwe ndalama, ndipo mu 2017 izo zakonzedwa kubweretsa "kukula kwa banki" Rostov pa-Don ndi nthambi mu mizinda ina pa mlingo wokwererapo.

Akuvutika makasitomala banki pa mavuto mu Rostov pa-Don?

Pa nthawi ya mavuto ndi Bank ku Central zowawa makasitomala osati Moscow ofesi, komanso nthambi zonse. Mwachitsanzo, anthu amene amamvera JSC "ROST Bank" Rostov pa-Don, sanathe kukhala remittances. wotuluka onse malipiro zinaimitsidwa. Ine sindikanakhoza ngakhale kusamalira ndalama ukubwera. N'zoonekeratu kuti achire funso sakanakhala. JSC "ROST Bank" Rostov pa-Don Koma ngati nthambi zina, anakhalabe Limbo mpaka kukhazikitsidwa kwa njira kulamulira ndi utsogoleli wogwirizira. Makasitomala sakudziwa nkomwe ngati konse achire ndalama zawo. Anthu sakanakhoza ngakhale kutapa ndalama kuchokera makadi kopeleka malipiro ndipo sanathe kupeza manja anu pa remittances ochokera m'mayiko. Pafupifupi onse misonkhano ya bungwe chuma anali oletsedwa. Palibe anapereka maulosi iliyonse. Mwamwayi, akonzere mabungwe chinkhoswe mu zinthu zina, "Nyemba Bank", limene, mogwirizana ndi dongosolo la konzanso ya gombe adzakhala kuyamwa izo mu 2020. "ROST Bank" si mavuto zonse kuyesera kupereka zonse depositors awo ndalama zawo.

Kukhazikitsa konzanso

Monga tanena kosamalira ndalama wapatsidwa ndi ziŵalo "mphika nyemba." Iye adzakhala ndi udindo kwa magulu 5 a mabanki tatchulazi. Izo ziyenera kupereka osati kuwonongedwa kwa mavuto, komanso pofuna kukwaniritsa "kukula kwa banki."

Magazini kuchotsedwa likuvutika ndalama kuchuluka kwa rubles biliyoni 35,9. Cha ndalamazo, biliyoni 18,4 udzaperekedwa pansi 0,51% pa annum kwa zaka 10. Wina biliyoni 17,5 chikalata pansi 6,01% pa annum kwa nthawi ya zaka zisanu ndi chimodzi. "ROST Bank" chaperekedwa kwa mavuto ena kuti athetse, osati chifukwa refinancing, komanso ndi lathunthu zida kukonzanso pravlencheskogo. zochita onse mosamalitsa ankalamulira Bungwe Central. Okhwima chimango cha ntchito banki - ndi choyambilira wa konzanso. Tikhoza kunena kuti "kukula kwa mavuto mabanki 'ndi Bank ku Central anaganiza pafupifupi mwathunthu, tsopano m'pofunika kulungamitsa kukhulupirira anaika pa Iye.