Bank "Mutumwa": default kana kwete? Zvinetso Banks Russia

JSC "Mutumwa Bank" - kadhi nesangano batana akamboona. Ane rezinesi pakati Central Bank, Federal Financial Markets Service, imwe nyanzvi ubatanidzwe pakati kuchengetedzeka pamusika, uyewo kugadzirwa epurasitiki makadhi Visa, Mastercard. Kwenguva refu, sangano raishanda zvakanaka. Asi muna 2014, "Mutumwa Bank" vakazivisa default. Ndezvipi zvipingamupinyi zvinosangana chevanorwara zvemari, uye sei chaiye ngozi chaizvoizvo kuverenga zvakadzama munyaya ino.

nyaya

"Mutumwa Bank" yakavhurwa pahwaro JSC "Promtorgbank". The yokupedzisira yakarongwa 1992 uye kwenguva refu yaiva mumwe akavimbika masangano kushumira maindasitiri. Muna 2010, "Mutumwa" Group uye chikwereti sangano anotaurwa kumusoro ari akapoteredza inokosha Kudyidzana chinosimbiswa zvakasikwa bhengi. Kubva kushanda (October 2010) "Mutumwa Bank" Zvishoma nezvishoma kadhi mabhizimisi uye kuwedzera vatengi chawo. The chikuru mukutsirani pakati tsika ndiko vakabata kambani Trellas.

"Mutumwa Bank": Matambudziko

November 10, 2014 mumwe boka makambani "Onexim" akatuma Nogotkov (zvino sachigaro Board uye muridzi kunhaka) a nehanya default. Rubatso pamusoro chikwereti vaiita Trellas Enterprises Ltd. mugove Sezvazvakanyorwamo, vakatakura zvose kunobatsira kurapa GC "Mutumwa". Mukati mamazuva maviri paiva chiziviso kuti 90% of migove vakaenda kutongwa "Onexim" uye NPF "Welfare". Panyaya iyi, kuti kutengeserana mutengo yakanga wokufananidzira - 1 Ruble pa kuchengeteka. Bank "Mutumwa" default vasingagoni kudzivirira. Zvinokosha kucherechedza kuti nekambani zvinhu zvinosanganisira kwete chete chikwereti masangano asiwo chete zita mbozha retailer, online store, SVOY.RU portal, Pandora Salon Network. Kunyange zvazvo chishongo muzvitoro ari ngaakuitirei havasi Logged mu.

Matambudziko ndeapi kubhengi kunzwa "Mutumwa"?

Default yakaitika nemhaka nonoka nhoroondo kunyorerwa. Kambani akanga asingakwanisi kukunda dambudziko muna 2014.

In Mumatsutso 2013 boka «Onexim" uye "Mutumwa" akaita nzvimbo mukana pakusika mari kunhaka kuti nharembozha retailer, bhengi, kambani inishuwarenzi uye kubhengi "Renaissance Credit". Ipapo Marigold akamuka chikwereti for $ mamiriyoni 100 vane kukura anosvika 01.11.2014 gore. mari iyi zvino yakawedzera mumwe 20%. Kuti haana kukwanisa kubhadhara kubhangi, "Mutumwa". Defaulted, zvichienderana Nogotkova, yakaumbwa nokuda nokutambudzikira nechomukati, asi zvakaoma zvoupfumi ezvinhu munyika uye kunze.

Nokuda Anti-chindingindingi basa zvinogadzirisa pamisika pamusoro Mobile dzaishandisa kuderedza makwikwi. Pashure kuchinja "Mutumwa" kuchinja vakagamuchira shoma mari yakawanda mabhiriyoni 1,6 rubles. kubva kutengeswa mudyandigere mari. Nzira kubva zvaizoora kutenga kuchinjwa varidzi wekambani kuna MTS. Asi ichocho, yakarongwa September 2014, akawa, sezvo mukuru mukutsirani - muridzi Mobile opareta - oiswa imba.

A vakatadza basa womuenzaniso

Nyanzvi dzinodavira kuti kwakamuka dambudziko pamusana zvisizvo zvavanokoshesa. Kuchibudisa nomutengo hondo ne "Euroset", "Mutumwa" wakawira iwoyu se ake aikwikwidza muna 2008. ndakabatikana zvakawanda, iye pfungwa chete zveminda, kwete mambure mari. Asi musika mamiriro ezvinhu akachinja, dambudziko zvayakapfuura zvishoma, uye boka vakatanga kusangana nematambudziko akakura.

zviitiko

Kare, chekambani chikwereti vaiva Sberbank, "Promsvyazbank" uye "Globex". Vose kugoverana Trellas dzakaiswa - huru mukutsirani ose JSC "Bank Mutumwa". Defaulted, anokonzerwa asiri kuitwa, zvino anopa kodzero dzose chikwereti kutora deposits. Vakashandisa NPF "Welfare", kana akagamuchira 15% of mugove Trellas.

In paMarch, "Promsvyazbank" vakagamuchira mvumo kubva Federal Antimonopoly Service kuti vave 51% rokutambudzikira muna Svyaznoy NV Kana yaNovember 2014, chekambani chikwereti chikwereti kumasangano vakasvika mabhiriyoni 6 rubles. Asi panguva imwe chete paiva okuti "Promsvyazbank" haasi kuenda kutenga kambani.

Kuvhara zviri kubhengi "Mutumwa"

Fuss pamusoro chikwereti sangano chete kudzivisa kudzorerwa mari ezvinhu. Pashure nechitarisiko nhau pamusoro default chete kwemazuva maviri okutanga, vanoita akabvisa zvishoma kupfuura mabhiriyoni 8 rubles. Panguva iyoyowo, nerunyerekupe kuti "Mutumwa" (kubhangi) iri kuedza kugadzirisa dambudziko kuburikidza vapore. Zvisinei, gare gare, mashoko ari mupepanhau akaramba. Maererano kubhangi vamiririri chikwereti Portfolio saizi Nokutendeka (10.7% of inodiwa CB 10%) handishanduki, ivo nguva imwe mwero liquidity 4 nguva shoma ukoshi (15%). The Bank anoramba kushanda senguva pasi rekare mabhizimisi womuenzaniso.

Muna December 2014 tsika Akagamuchira € 11 miriyoni akaisa chikwereti kubva "Finprombanka" uye boka "Alliance". Maererano rokutanga vanofungidzira mari iyi chaiva kugovera shoma guta adequacy reshiyo (n1) kwemwedzi mishoma. Asi mukupera February H1 akawira 9.81%. Ipapo mamaneja kwemutongo sangano yakanyorerwa shareholders pamwe urongwa guru kuwedzera uwandu bhiriyoni 5 rubles. zvinetso JSC "Mutumwa Bank" vaizokomborerwa pasina mari iyi mugore ra2015. Cash withdrawals kubva dhipoziti uye chikwereti kubudiswa anogona kuva matambudziko kuti vatengi. To hurongwa zvakare kurerekera purogiramu okutambirwa kubhadhara yose gore. (. Mabhiriyoni 1,1 rubles) Kudeuka chitsama chaitarisirwa March uye yakatevera - mamiriyoni 300, asi nekuda dzose kuchinja pamazita shareholders pakureva recapitalization hurukuro havana atanga ..

Webhanga iri kukumbira aimbova muridzi

Muna June 2015, "Mutumwa Bank" nyaya kudare. The chikwereti sangano anoda kuunganidza kubva Nogotkova mamiriyoni 120 Rbl., Kuti zvakagoverwa zvidikanwi zvayo pachayo. The kukura chikwereti rwakaitika mwedzi mishoma yapfuura. Asi zvinodiwa kubhangi vakanga zvikasaitwa.

mhedziso

Kuvhara zviri kubhengi "Mutumwa" - chimwe chezvinhu dzakakurumbira misoro kukurukurirana. Pashure ruzivo pamusoro default zvakafanana boka, miedzo yakawanda vakapoteredza chikwereti sangano vakaumba zvisingafadzi. mashoko background. Nokuda makambani pave vanetseka vakatanga massively dzinodzora deposits zvavo kubva munhoroondo. For mudanga mudzimu kubhangi inoda mamwe capitalization. Asi nemhaka dzose kuchinja mazita shareholders zviri kwakadzama pamusoro nyaya iri vasati vatanga. Pasina mari izvi kubhangi aigona kuva dambudziko pamwe Implementation guru adequacy reshiyo.