Bank "The Messenger": emiselweyo okanye akunjalo? Iingxaki yeebhanki e Russia

JSC "The Messenger Bank" - iziko lamatyala isikali federal. Uphethe mvume ye-Central Bank, Federal Financial Markets Service, ithatha inxaxheba ngobuchule emarikeni izibambiso, kwakunye ukuveliswa amakhadi zeplastiki Visa, Mastercard. Kangangethuba elide, intlangano yasebenza kakuhle. Kodwa ngowe-2014, "The Messenger Bank" wabhengeza default. Yintoni imingeni ejongene ngemali, nendlela real usongo okunene ukufunda iinkcukacha kweli nqaku.

indaba

"I-Messenger Bank" yamiselwa ngokusekelwe JSC "Promtorgbank". Le yokugqibela ihlelwa 1992 yaye ixesha elide wayengomnye amaziko ethembekileyo bakhonza mveliso. Ngo-2010, "The Messenger" Group kunye iziko lamatyala ekubhekiswa kuyo ngentla apha ngokomxholo intsebenziswano enobuchule kuqalwe ibhange jikelele. Ukususela ekuqaleni yokusebenza (Oktobha 2010) "I-Messenger Bank" kancane kancane ishishini ikhadi kunye nokwandisa isiseko sabathengi. Eyona zabelo iphambili yeziko le nkampani ebambe Trellas.

"I-Messenger Bank": iingxaki

November 10, 2014 elinye iqela leenkampani "Onexim" wathumela Nogotkov (ngoko uSihlalo weBhodi kunye umnini ebambe) isaziso se emiselweyo. Wammela-mboleko wenza izabelo Trellas Enterprises Ltd. Ngokutsho kuyo, uqhutywe lonke ulawulo lweeasethi C. "The Messenger". Kwiintsuku ezimbini kukho isaziso 90% ezabelo baya phantsi kolawulo 'Onexim "kunye NPF" ntle ". Kulo mzekelo, ixabiso wentengiselwano sasingumfuziselo - 1 engange yokhuseleko nganye. Bank "The Messenger" olungagqibekanga alikwazanga ukunqanda. Kubalulekile ukuphawula ukuba impahla le nkampani ziquka amaziko ngetyala nje kuphela kodwa igama elifanayo mobile phone kumthengisi, gcina-intanethi, SVOY.RU portal, Pandora network salon. Nangona igcina jewelry kwi dili azilogwanga kulo.

Zeziphi iingxaki ebhankini luhlangabezana "I Messenger"?

Ukungagqibeki kwenzeka ngenxa akhawunti ekudala zilindelwe ukuhlawulwa. Le nkampani akazange akwazi ukumelana nengxaki ngo-2014.

Xa ekwindla ka-2013 iqela 'Onexim "yaye" The Messenger "wenza ndabuza indlela yokudala egqunywe zemali umthengisi cell phone, ibhanki, inkampani ye-inshorensi kunye ibhanki" Renaissance Credit ". Ke marigold wafumana ikhredithi ngenxa $ 100 million nge ukuvuthwa ukuya ku 01.11.2014 nyaka. Esi sixa ke linyuke ngomnye-20%. Ukuba akanako ukuhlawula ibhanki, "The Messenger". Iphutha, njengako Nogotkova, kwakheka ngenxa imeko bebe, imeko yezoqoqosho enzima kweli lizwe nakwamanye amazwe.

Ngenxa izisombululo inkonzo anti-bodwa yokurhweba abaqhubi mobile ukunciphisa ukhuphiswano. Emva kokutshintsha "Mthunywa" iinguqu bafumana inzuzo ngaphantsi kule mali engange-1.6 billion. evela kwintengiso mali zomhlalaphantsi. Indlela yokuphuma le meko uthenga ukugqithiselwa ubunini inkampani MTS. Kodwa deal, ezicwangciselwe ngoSeptemba 2014, wawa, njengoko zabelo engundoqo - umnini operator mobile - obekwe phantsi endlini.

Imodeli business akuphumelelanga

Iingcali zikholelwa ukuba kwavela ingxaki ngenxa eziphambili engafanelekanga. Kukhululwa imfazwe ixabiso with "Euroset", "The Messenger" wawela kumgibe ofanayo imbangi yakhe ngo-2008. uxakeke kakhulu kakhulu, wanikela kuphela ezingenayo, hayi ingeniso umnatha. Kodwa imeko lemakethi litshintshile, le ntlekele yayitsala, kwaye inkampani baqalisa ukuba wehlelwe ziingxaki ezinzulu.

ezenzekayo

Ngaphambili, ababolekisi zenkampani baba Sberbank, "Promsvyazbank" yaye "Globex". Bonke bephela babelane Trellas bathiwa - i zabelo iphambili JSC "Bank Messenger". Iphutha, okubangelwa non-inzaliseko izibophelelo, ngoku unika ilungelo onke amatyala uthathe iidipozithi. Baye basebenzisa "ntle" NPF, xa wamkela-15% ezabelo Trellas.

Phakathi-Matshi, "Promsvyazbank" ifumene imvume evela Federal Antimonopoly Service ukuba zifumane i kwisibonda 51% in Svyaznoy NV Njengoko ka November 2014, ityala yenkampani kumaziko ngetyala yaba engange 6 billion. Kodwa ke ngelo xesha kwakukho ingxelo yokuba "Promsvyazbank" akayi kuthenga inkampani.

Ukuvalwa ngaseludinini "The Messenger"

Ngezinto umbutho ngetyala ophazamisa kuphela ukubuyiselwa imeko yezimali. Emva kokuba imbonakalo iindaba malunga kungagqibekanga kuphela kwiintsuku ezimbini zokuqala, abatyali amhluba i engange ngaphezulu kwe-8 billion kancinane. Ngelo xesha, amarhe okuba "The Messenger" (ebhankini) izama ukusombulula ingxaki nge kwimeko yesiqhelo. Kamva, Noko ke, ulwazi apha kweli nqaku leendaba saliwe. Ngokutsho abameli bank ipotifoliyo mboleko ubungakanani kwezengqesho (10.7% kwe efunekayo CB-10%) ayahlukanga, izinga lwephanyazo amatyala azo 4 phinda ixabiso elincinane (15%). I-Bhanki iyaqhubeka ukusebenza njengesiqhelo phantsi ishishini imodeli endala.

NgoDisemba 2014, eli ziko liye lafumana € 11 million mboleko subordinated ukusuka 'Finprombanka "kwaye iqela" Alliance ". Ngokutsho koqikelelo lwabemi preliminary, le madlana ukubonelela ubuncinane capital ukufaneleka ratio (N1) iinyanga ezimbalwa. Kodwa ekupheleni kukaFebruwari H1 wawa ukuya 9.81%. Ke ulawulo iziko lamatyala eya zabelo kunye nesicwangciso ukunyuka capital imali engange billion 5. iingxaki JSC "The Messenger Bank" babeza kufikelwa ngaphandle le mali kuyo 2015. notsalo Imali evela idipozithi nokulungiswa mboleko unokuba yingxaki kubathengi. Ukuze isicwangciso kwakhona ishedyuli kokufumana intlawulo kunyaka wonke eqhotyoshelweyo. (. 1.1 billion engange) Le mali inkulu kufunekayo ngoMatshi yaye kwiinyanga zilandelayo - 300 million, kodwa ngenxa utshintsho rhoqo kuluhlu lwe zabelo ngokumalunga iintetho recapitalisation abangazange uqalile ..

Ibhanki lifuna umnini wangaphambili

NgoJuni 2015, "The Messenger Bank" ubhenele enkundleni. Umbutho khredithi uneenjongo ukuqokelela ukusuka Nogotkova million 120 rbl., Ukuba zibonelelwe iimfuno zaso. Bokudlala ityala kwenzeka kwiinyanga ezimbalwa ezidlulileyo. Kodwa neemfuneko ibhanki abazange nazo.

isiphelo

Ukuvalwa ngaseludinini "The Messenger" - enye izihloko uthandwayo ngxoxo. Emva ulwazi malunga kungagqibekanga kwe nkampani efanayo, izilingo ezininzi ehlabathini iziko lamatyala bakha inkcazelo imvelaphi esibi. Ngenxa zimali kudala panic waqalisa ukuba arhoxe kakhulu iidipozithi babo akhawunti. Kuba ukusebenza nzile ibhanki kufuneka capitalisation olongezelelweyo. Kodwa ngenxa utshintsho rhoqo kuluhlu abanini-zabelo thethwano kulo mba sele awukaqalisi. Ngaphandle kwezi mali ibhanki kungaba engxakini kunye nokuphunyezwa ratio capital luyasebenza.