Bank "Nadra": akaongororazve depositors. Chii chinoitika kubhengi "Nadra"

Muna October 1993, NBU akaita vakanyorwa idzva chikwereti sangano - kubhengi "Nadra". Pakutanga specialized ari marasha indasitiri. Vanopfuura 9.000 vashandi vaiita basa iri kambani "Nadra Bank". Offices iri pamaguta ose makuru Ukraine, vakashumira vanopfuura mamiriyoni 1,5 vatengi. Munguva nani, masangano samambure zvaisanganisira 700 mapazi mumaguta akasiyana, 1000 ATMs uye 4500 zviteshi. Card "Nadra Bank" akanga anenge kupfuura nomukurumbira mubhadharo chiridzwa. Pashure 2011 Rating sangano rakatanga kusviba. Zvakawanda nezvezvinoitika kubhengi "Nadra" ikozvino, ona nyaya ino.

mabasa

"Nadra Bank" (Ukraine) inopa nemakasitoma zvakasiyana-siyana zvigadzirwa. Pakati yakasiyana - mutero Mabhokisi, raisanganisira zvose zvinhu zvaidikanwa kwokushandisa mari kubva ano nyaya kusvikira makadhi. For makasitoma zviduku uye svikiro kadikidiki bhizimisi, mukuwedzera, isu zvakagoverwa siyana Kwazvakatorwa, Nokuraramisa deposits yakavhurwa JSC "Nadra Bank", "nemhosva-kubhengi" kudzora mari.

Nokuti vanhu vakaumba nemhando yose mabasa.

Pasuru "First" - the yakachipa pashiri ane usingashandi akagadzirwa zvinhu:

- kuti ape deposits chero mari chero nguva;

- kuvhura nemari nhoroondo;

- kuti mari kuburikidza mari ane mashoma basa;

- kushandisa "Client-Bank" Nhoroondo nokuda kure kudzora;

- kuchinja yokudzokorora. mashandiro.

Sezvo chikamu pasuru "Free mari" mutengi aigona batanidza SMS-ziviso, mumusiye mari kubva kadhi asina basa uye kuunganidza mari iri dhipoziti iri Masvomhu dzimwe pfungwa waakazvitengesa kadhi rokubhengi. "Mhuri" kunokupa kuwana kune chete mabasa, asi pane zvakawanda zvakanaka ezvinhu: wakawedzera chimbadzo .. On nemari, zvikuru vakavimbika kune mamiriro ezvinhu nokushandisa kuti chikwereti, etc. Kuva pasuru "Social", pensioners kuwana nhoroondo kuitika uye kuda iye akasununguka mepu. Kunyanya VIP-nemakasitoma chirongwa Gold uye Platinum kunge yakatanga, pasi iro mutengi akapiwa munhu zvichienderana basa uye wokuwedzera akagadzirwa zvakanaka.

kubudirira

Institution munyaya nemari Chirongwa, anosimbisa EBRD. Huru mukutsirani muna 2011 raiva Centragas Holding GmbH (89,97%). Kuti vawedzere kukosha zvinhu izvozvo akasika mari dzakawanda kushandisa upfumi. IRR kudzoka zvazvingava yaiva 25%. Avhareji rokuti the dhipoziti waiva nemakore 4.5. The kambani riri anokweretesa "Dzidziso Ukraine" vakasikwa; anoreva nhema muzana "Evrofinans" uye SC "Investment basa". Vose raishanda kunze kubhangi, asi kuti kushingaira pamwe Organization ari gadziriro muchinjikwa kutengesa zvigadzirwa.

zviratidzi zvemari

Maererano migumisiro III kota 2014, tsika akatadza tatevedzera wandei NBU pamutemo zvinodiwa. Current kuratidzwa yakaderera kusvika 20,87% panguva zvaida 40%. The kunonyanyisa Huwandu counterparty pangozi akasvika 28,65% (ndozvakajairwa - 25%). Vanhu vakatanga massively kutora deposits "Nadra Bank". Izvi zvakaita kuti kudzikira mune twa unhu. Munguva 3rd kota 2014 bhuku deposits yakaderera nezvikamu mabhiriyoni 1 OMR. Kunyange zvazvo chaiko water drainage kwainyanya: nokuda kuderedza ari Hryvnia Currency deposits ndokukura.

apiwa capitalization

"Nadra Bank" (Kiev) akapinda pamazita nemasangano izvo NBU akabvumira haana kudzorera chikwereti kuramba liquidity. Zvakananga, inoshandiswa muna September, asi regulator vanofanira kubhadhara chitsama mamiriyoni 900 OMR. muripo wava akanga kumbosiyiwa kuna December 2014. On the zvinetso chikwereti sangano Akaratidzawo kuti panopera June, bhengi nyaya yokuisira ose Eurobonds pamwe panyaya kuti kugadzirisa chikwereti. The chikwereti mari yaiva $ mamiriyoni 59.66 nokukura muna June 2017

"Nadra Bank" (Ukraine) akaita asina mari munguva dzenhamo kwa2009. Zvadaro, NBU akaita vakasuma kwekanguva yaitonga mu pakagadzwa uye rutsigiro mabasa pamahombekombe kusvikira awana investor itsva - Centragas Holding GmbH. Ndaifanira pakunamata muzvikwereti yekare kuitika muna 2016. Asi, maererano ndibatsireiwo data, kubhangi kwete chete akatanga kubhadhara chikwereti, asi akaitawo mazita raitevera capitalization muna 2014.

Kuedza nhamba mbiri

February 6, 2015 Deposit Guarantee Fund nevanhu (FGVFL) akatanga pfupi yaitonga mu "Nadra Bank" (Kiev) uye vhiki pamberi pamberi mudyandigere Fund akasarudza kupfungwa nokuda kwokuripirwa makomborero Ukrainians. In NBU akatsanangura kuti yakafanira nedokapitalizatsii bhengi kushushikana miedzo zvinodiwa tsika anonzi sauka. Vazhinji deposits (99%) hakurevi kusapfuudza uwandu 200 zviuru. OMR. zvikwereti izvi zvinofanira kuripa FGVFL pashure zvokungoitawo Kutarisirwa vachange kwakamboitwa "Nadra Bank". Customer wongororo pamusoro forum zvinoratidza kuti izvi zvinoitika uchitombova kubudirira. 1 chete% kubva depositors vane mari vari mari kwazvo 200 zviuru. OMR. Vatengi kwakadaro kunogona kupwanya kubatsira uye kuwana mari yakakwana. Total kubhadhara vakasvika anopfuura mabhiriyoni 3,5 USD.

Ndechipi chikonzero

In NBU vanotsanangura kuti kubhangi harisati kukurira dambudziko kwa2009. No vanoita zvitsva kana mamaneja vanoedza kudzikamisa zvinhu hazvina kubatsira. Asi nyanzvi kuongorora capitalization urongwa akaratidza kuti tsika richaramba vaunze varasikirwa. Saka kwakasarudzwa yokusuma ane zvokungoitawo yaitonga. Vaimbove Kutarisirwa (kusvikira 2009) kuti ape unsecured kwezvikwereti. Paper sokuti kuti yakagadzirwa zvakanaka. Asi kuchengeterwa pacharo sezvo kn. Kufukidza chikwereti ano ichashandiswa kuchengeterwa vakaumba kare panguva Firtash.

Kubhengi "Nadra": wongororo

Kudzikira mune zvemari ezvinhu ane kwete chete depositors asiwo vashandi panzvimbo. To kazana pazuva kutsanangurira vanhu kugamuchira dhipoziti zano kuburikidza FGVFL uye kuteerera mashoko vasingagutsikani vanhu, zvakakosha kuti tsinga simba.

Matambudziko vatengi vakatanga panguva apo akatsiga kutoitwa kubhengi "Nadra". Reviews vanhu pamusoro forum zvinoratidza kuti nguva pane kukundikana ari paIndaneti rwezvemabhengi hurongwa. Mari haina yakasvika pamusoro zvakafanira mashoko, uye vaifanira kutarira kwenguva refu. Part kwehasha dzakaratidzwa pamusoro venga maitiro pemudonzvo mahofisi. Asi dambudziko iri haisi itsva uye rinowanikwa zhinji masangano.

Ukrainians awedzera zvakasimba pashure kuisa imwe zvokungoitawo yaitonga mubhangi "Nadra". Feedback pamusoro forum ane panyaya kutengesa dhipoziti nokuda Hryvnia, uyewo mazano sei kutamira mari imwe tsika. Kunyanya, mukupera nyaya, unofanira kunyora tsamba gweta, iro anoratidza kuti masangano zvemari kunogona kugamuchira mari mutengi wacho, kusanganisira kubva FGVFL, uye kupa pepa iri mu "Nadra" kwemazuva mashomanana asati muripo.

Nokuti mari - mudare

Nokuda refu zvemari dambudziko, vanhu vakatanga massively dzinobvisa deposits. A kuderera kuti liquidity uye kudzikira zvinhu simba kunotungamirira kuti zvokungoitawo Kutarisirwa kutaurwa muhari. Maererano nomutemo, kubvira zvino zvinofanira kuita FGVFL dzosera vatengi. On kukura ane uwandu zvinotora nguva. Vanhu vazhinji vanoedza kuwana mari shure kuburikidza kumatare. Zvino ndingangokuvara zvakanaka kusarudza yakatokura. The Supreme Court akarayira zvemari masangano kubhadhara mari kwete chete nokuti nguva kushandiswa mubhangi, asiwo nguva pashure kugumiswa kondirakiti.

Respondent mubhengi "Nadra" akazviratidza pamusoro zviito akawanda zvakadaro. Reviews kuti vatengi vanenge vakaedza zano iri, zvinoratidza kuti chisarudzo Court hauna vachida kadhi sangano. Asi danho rakadaro zvinokosha kuenda chete kana dhipoziti mari akapfuudza unovimbisa Fund. Zvikasadaro, navadzidzisi mari inogona kupfuura chitsama dhipoziti. Asi ichi rinoshanda chete kutyorwa nezvaiva muripo. Chimwe chinhu - the issuance kuti dhora deposits vari National mari. Murayiro iroro kuti mune imwe nyaya yakadaro mari inobhadharwa mu National mari pa mwero NBU zuva rezinesi revocation. Izvi ndizvo chaizvo zvinoitika pamwe kubhengi "Nadra". 02/06/15 rezinesi atora. The yepamutemo Gengi panguva iyoyo akanga 18-19 OMR / USD, uye pamusoro interbank pamusika - .. 23-25 OMR. Musiyano wakakura, kunyanya kana chitsama mupiro zviuru zvishomanana. Y. e. vasingagutsikani vanoita vakaedza kupikisa mutongo mudare, asi nemigumisiro asi.

The liquidation pakati pamahombekombe

Muna April 2015 National Bank "Nadra Bank" asarudza mubve kumusika. The kubhadhara kutanga kwatopfuura muna May 2015. On 12.06.2015 anotanga padariro wechipiri kudzoka deposits. Richagara kusvikira July 23, 2015. Mari vachapiwa kuripirwa kuburikidza okutenderera, "Raiffeisen Bank Munthanai". Chisarudzo pamusoro mari rwomupiro nezvevanhu regai munguva yakati nguva pomutumwa, aizopiwa nomumwe pashure musi uyu. Nokuti zvinyorwa kubvisa kubhengi "Nadra" National Bank akaita dzinounzwa gore rimwe (kusvikira July 2016).

mhedziso

Makore gumi akapfuura, mumwe wemisha mikuru anomukweretesa masangano munyika vari "Nadra Bank". "Client-Bank", ano, okubhengi, kadhi, muhoro nyaya, inishuwarenzi, anoreva nhema - chiri chiduku mazita mabasa zvaipiwa zvemari masangano yevagari. Munguva dzenhamo 2008-2009 , kuti Bank kwaidiwa recapitalization. Ipapo Akatenga kambani Centragas Holding GmbH. Asi matanho akatorwa kudzorera mari ezvinhu akanga asina kukwana. Muna February 2015, zvokungoitawo Kutarisirwa wakatangwa muna Bank. A kuongorora zvemari yaratidza kuti sanitizing kubhangi hazvina musoro. Naizvozvo, kwakasarudzwa kuhupedza. The kubhadhara yokutanga depositors kwatopfuura. Wave chechipiri yainorongwa nokuti nguva kubva 12.06.2015 musi 23.07.2015 gore.