Bank "Nadra": uhlola abagcinisa. Kwenzeka ntoni ebhankini "Nadra"

Ngo-Oktobha 1993, i-NBU utyikitye iziko lamatyala omtsha - bank "Nadra". Ekuqaleni ke ngugqirha kwishishini zamalahle le. abasebenzi abangaphezu kwama-9,000 abantu abaqeshwe inkampani "Nadra Bank". Ofisi afumaneka kuzo zonke izixeko ezinkulu Ukraine, bakhonza ngaphezu kwezigidi 1.5 abathengi. Kumaxesha ngcono amaziko womnatha, kuquka amasebe 700 kwizixeko ezahlukahlukeneyo,-ATM 1000 no 4500 ezinjengeetheminali. Ikhadi "Nadra Bank" Ndaphantsa isixhobo sentlawulo odume kunayo. Emva 2011 umbutho rating waqalisa ukuhla. Iinkcukacha ezingaphezulu malunga kwenzeka ntoni ebhankini "Nadra" ngoku, funda eli nqaku.

iinkonzo

"Nadra Bank" (Ukraine) inikeza abathengi uluhlu olubanzi iimveliso. Phakathi unique - iiphakheji lweerhafu, eziquka zonke izinto ezifunekayo ukwenzela ukusetyenziswa ngokukuko kwemali ukusuka akhawunti zangoku kwi amakhadi ngetyala. Kuba abathengi kwamashishini amancinci naphakathi-ertyisi, ukongeza, siye zibonelelwe imigca ngetyala ezahlukeneyo, iidiphozithi yesondlo yavulwa JSC "Nadra Bank", "uhanjiselo-ibhange" ukulawula imali.

Kuba abantu bakha iiseti yonke kweenkonzo.

Package "Kuqala" - engambi kunye iseti amancinane iimpawu:

- ukukhupha iidipozithi kuyo nayiphi na imali nanini na ixesha;

- ukuvula akhawunti yokonga;

- ukwenza iintlawulo ngokusebenzisa imali umsebenzi ubuncinane;

- ukusebenzisa le akhawunti "loNiko-Bank 'ukuba kude;

- ukulungelelanisa imisebenzi phinda.

Njengoko ziyingxenye yempahla ye 'imali Free "umthengi nako ukudibanisa SMS-isaziso, watsala imali evela ikhadi ngaphandle ikhomishini kwaye ukuqokelela imali ebhankini kwi izibalo kwindawo card yentengiso lekhredithi. "Family" ikunika ukufikelela kwiinkonzo ezifanayo, kodwa iimeko zivuma ngakumbi: linyuke izinga lenzala .. On ekongeni, abanyanisekileyo ngakumbi kwiimeko yokwenza isicelo semali-mboleko, njalo njalo Ukuba iphakheji "Social", abadla umhlala-phantsi kufuneka ukufikelela kwi-akhawunti ekhoyo kwaye ziqhotyoshelwe kuye imephu free. Ngokukodwa inkqubo VIP-abaxhasi Gold nePlatinum uye kuye, phantsi apho umthengi ufumene inkonzo wena kunye iseti eyongezelelweyo iingenelo.

impumelelo

Iziko inxaxheba ngemali le nkqubo, eyasekwa yi-EBRD. I-zabelo ephambili ngo-2011 yaba Centragas Holding GmbH (89,97%). Ukuze ukwandisa ixabiso lempahla kokuba udale mali ezininzi ngokukodwa utyalo-mali. ireyithi IRR Imbuyekezo kwi-25%. Igama avareji sedipozithi wayeneminyaka 4.5. Le nkampani kwakhona uboleka "Iinkolelo Ukraine" zadalelwa kuye; ezazakhiwe cent "Evrofinans" kunye SC "inkonzo Investment". Bonke yasebenza ngaphandle ebhankini, kodwa ukuba basebenzisane rhoqo Umbutho e-sikhokelo iimveliso cross-ukuthengisa.

Iimpawu zemali

Ngokutsho neziphumo III ngekota ka-2014, elo ziko wasilela ukuthobela inani NBU iimfuno zolawulo. ukubonisa lwangoku yehle ukuya 20,87% kwi ofunekayo 40%. Inani eliphezulu umngcipheko otyalayo yaba 28,65% (norm - 25%). Abantu baqalisa ukuba kakhulu iidipozithi "Nadra Bank". Oku kuye kwakhokelela ekubeni ukwehla ezikumgangatho asethi. Kwikota yesi-3 ka-2014 umthamo iidiphozithi lehle ngo yeebhiliyoni 1 UAH. Nangona nencindi eyiyo waba ngakumbi: ngenxa ukwehla kule hryvnia iidipozithi lwemali wakhula.

re-capitalisation

"Nadra Bank" (Kiev) bangena uluhlu lwamaziko apho NBU livunyelwe ukuba abuyele ityala ukugcina amatyala. Ngokukodwa, i-arhente ngoSeptemba, umlawuli kufuneka ukuba uhlawule isixa UAH million 900. umhla wentlawulo lahlehliselwa Disemba 2014. Kwi iingxaki kwiziko lamatyala nalo lwabonisa ukuba ekupheleni kukaJuni, ibhanki wabhenela abanikezwa Eurobonds kunye nokuhlelwa ngokutsha eli tyala. Imali mboleko leyo $ 59.66 yezigidi ukuvuthwa ngoJuni 2017

"Nadra Bank" (Ukraine) iye babengenayo imali ngamaxesha ezidubedube ka-2009. Emva koko, le NBU isungule ulawulo bokwexeshana ukusekwa kunye nenkxaso kwimisebenzi yeBhanki de wafumana mali omtsha - Centragas Holding GmbH. Kwafuneka ekuvuthweni amatyala amadala ukuba kwenzeka ngo-2016. Kodwa ke, ngokutsho data ongekho mthethweni, ibhanki nje waqalisa ukuba ukuhlawula imali-mboleko, kodwa wenza uluhlu kwi capitalisation olulandelayo ngo-2014.

inombolo Ukuzama ezimbini

Februwari 6, 2015 Idiposithi Guarantee Fund ngabantu (FGVFL) wazisa ulawulo lwethutyana "Nadra Bank" (eKiev) kunye kwiveki phambi kokuba Pension Fund wakhetha iziko kuba intlawulo yezibonelelo ukuba Ukraine. In NBU wachaza ukuba iimfuno ngenxa iimvavanyo xi bank nedokapitalizatsii kweziko uvakaliswa utshonile. Uninzi iidiphozithi (99%) ayidluli kwisixa-200 lamawaka. UAH. Le mali-mboleko kufuneka uhlawule FGVFL emva kulawulo wethutyana uya kuqaliswa "Nadra Bank". izigxeko Customer on kwiiforam ukuqinisekisa ukuba le nkqubo lwenzeka kunye ngempumelelo maxa wambi. 1% nje kuphela abagcinisa mali kwi imali ngaphezulu kwamawaka 200. UAH. abathengi enjalo kumtyumza isandla uze ufumane imali ngokupheleleyo. Iintlawulo Lilonke yaba ngaphezulu kwe-3.5 billion USD.

Yintoni na isizathu

In NBU uchaze ukuba ibhanki nangoku na ukumelana nengxaki ka-2009. Akukho zimali ezintsha okanye abaphathi kuzama ukuzinzisa le meko ayizange kunceda. Kodwa Izicwangciso zophuculo Uhlalutyo ingcali yabonisa ukuba eli ziko liya kuqhubeka ukwenza ilahleko. Kungoko ke kwaye kwagqitywa ukuphakamisa ulawulo yethutyana. Owayesakuba administration (de-2009) ukuba akhuphe mboleko engakhuselwanga. Paper kubonakala ukuba zenzelwe ngokuchanekileyo. Kodwa reserve ngokwalo njengoko nil. Yokugubungela ityala ngoku ziza kusetyenziswa reserve abunjwe sele Firtash.

Ibhanki "Nadra": ncomo

Ukonakala kwenye imeko yemali abagcinisa ezichaphazelekayo nje kuphela kodwa abasebenzi kwelo ziko. Ukuze izihlandlo ezilikhulu ngemini ukuba achazele nabantu abafumana inkqubo idipozithi nge FGVFL uze umamele izimvo ngabantu ndinganelisekanga, kuyimfuneko ukuba luvo olomeleleyo.

Iingxaki kwinkonzo umxhasi yaqala ngexesha xa ibhanki isitali nokusebenza "Nadra". Izimvo zabantu kwiiforam kuqinisekisa ukuba ngamaxesha kukho ukusilela kwinkqubo zebhanki ngekhompyutha. Imali ekufikelelwa kwi iinkcukacha eziyimfuneko, kwaye kwafuneka ukuba ukujonga ixesha elide. Inxalenye wobhavumo wabonakaliswa nxamnye ukuziphatha abanabubele-ofisi zabasebenzi. Kodwa le ngxaki ayikho entsha kwaye ifumaneka kumaziko ezininzi.

Ukraine kwaqiniswa ngamandla emva ukubeka ulawulo wexeshana ebhankini "Nadra". Impendulo ku maqonga ziqulathe isindululo ukuthengisa idipozithi ngenxa hryvnia, kwakunye iingcebiso indlela ukutshintshela iimali kwelinye iziko. Ngokukodwa, kwimeko yokugqibela, kufuneka ubhale incwadi egqwetha, nto leyo ebonisa ukuba imibutho zemali bakwazi ukufumana imali loMthengi, ukuquka ukusuka FGVFL, kunye nokubonelela eli phepha kwi "Nadra" iintsuku ezimbalwa phambi kokuba intlawulo.

Ukuze ufumane imali - enkundleni

Ngenxa yeengxaki zemali elide, abantu baqala ukurhoxisa zehle iidipozithi. A ukuncipha enamandla amatyala kunye ukwehla asethi kukhokelela ekubeni ulawulo wethutyana kuqaliswa embizeni. Ngokutsho komthetho, ukusukela ngoku ukuya phambili kufuneka azibandakanye FGVFL abathengi imali. Ekuphuhliseni uluhlu kuthatha ixesha elide. Abantu abaninzi bazama ukufumana imali buyela ziinkundla. Ngoku amathuba isigqibo esifanelekileyo nakakhulu. INkundla Ephakamileyo iye yayalela amaziko zemali ukukubuyisela imali hayi kuphela nexesha esisetyenziswe sedipozithi, kodwa ngenxa ixesha emva kokupheliswa kwekhontrakthi.

ibhanki obekwe "Nadra" wabonakala phezu izenzo ezinjalo. Izimvo abathengi abaye bazama eli cebo, zibonisa ukuba isigqibo weNkundla wenziwa hayi ngokuthanda kwiziko lamatyala. Kodwa elo nyathelo kuyimfuneko ukuya kuphela ukuba loo mali sedipozithi udlula fund aqinisekisiwe. Kungenjalo, iindleko zomthetho nga luyazedlula imali yedipozithi. Kodwa usebenza kuphela ukunyhashwa imiqathango intlawulo. Enye into - kunikezelo iidiphozithi dollar ngohlobo lwemali kazwelonke. Umthetho umisela ukuba kwimeko enjalo imali ihlawulwe lwemali yesizwe ngomlinganiselo NBU mvume imini lokuyekisa. Oku kanye kwenzeka ntoni na ibhanki "Nadra". 02/06/15 mvume kuhluthwa kwanoko anako. Isantya exchange lwaseburhulumenteni ngelo xesha malunga 18-19 UAH / USD, yaye kwimarike ozalwa i - .. 23-25 UAH. Umahluko omkhulu, ngakumbi ukuba loo mali igalelo iwaka ezimbalwa. Y. e. nakancane bezimali baye bazama umngeni isigqibo senkundla, kodwa iziphumo noko.

Ekuvalweni ebhankini

Ngo-Epreli 2015 i-National Bank "Nadra Bank" igqibe ukuba lirhoxe emarikeni. Iintlawulo zokuqala sele kudlule ngoMeyi 2015. Kwi 12.06.2015 uqalisa Inqanaba lesibini wokubuyiswa yesibambiso. Liya kuhlala de ngoJulayi 23, 2015. Le mali iza kuhlawulwa kwi-arhente, "Raiffeisen Bank Aval". Isigqibo malunga kukubuyisela igalelo nabantu akabuya kwixesha elichaziweyo kwi arhente, kuya kuqwalaselwa ngabanye emva kwalo mhla. Ukuze amaxwebhu ukuze kupheliswe ibhanki "Nadra" National Bank iye kwabelwa unyaka omnye (de ngoJulayi 2016).

isiphelo

kwiminyaka elishumi eyadlulayo, elinye lamaziko wokubolekisa ngemali likhulu kweli lizwe "Nadra Bank". "LoNiko-Bank", ngoku, idiphozithi, ikhadi,-akhawunti umvuzo, i-inshorensi, ingqesho - yinto uluhlu nje encinane lweenkonzo ezinikezelwa ngamaziko zemali kubemi. Ngamaxesha obunzima 2008-2009 , i-Bank kwakulindeleke ngokutsha. Waza wathenga nenkampani Centragas Holding GmbH. Kodwa amanyathelo athathiweyo ukubuyisela imeko yemali akwanelanga. NgoFebruwari 2015, ulawulo wethutyana yaziswa kwi-Bank. Uhlalutyo zemali lubonise ukuba sanitizing ibhanki akuthethi ingqondo. Ngoko, kwagqitywa ukuphelisa kuyo. Iintlawulo ukuba abagcinisa yokuqala sele kudlule. Iliza yesibini ucwangciselwe ukuba ixesha ukususela 12.06.2015 kwi 23.07.2015 ngonyaka.