"Psa Bank": wongororo kuti depositors, deposits, matambudziko

"Mapisarema" kubhengi depositors wongororo izvo ichangopfuura akatanga kuonekwa aine kunaka tinge - ndiro kadhi inoshanda uye sangano zvemari nenguva iyo nhoroondo ine zvakakwana makuru dzimwe upfumi. Basic mabasa Masangano - ndiko kushanda yemakambani vatengi uye vanhu, mari mabasa uye dzakawanda vatengi, Inter-bhengi kwema. History of «VAB» kubhangi anoenda kure 1992. Maererano Rating kupatsanura pakati pemahombekombe maererano NBU, kugadzwa vaiva 1st nzvimbo boka guru masangano zvemari munyika. Bazi chevanorwara zvemari kushanda pamakona ose ehurumende.

«VAB» pamahombekombe, izvo akaongororazve anogona kusangana nezvakaipa, uye wakanaka kutsigira nyika vachibhadhara dzakawanda. Visa ichi International, Mastercard uye International. Kubhangi kuti murayiro ndiye disbursement purogiramu mudyandigere.

Chii kufarira pamwe?

"Mapisarema" kubhengi hwagara Akakwezva makambani, sezvo aiva vakabuditsa mukurumbira. A sangano zvemari guru haafaniri kukundikana kunyange nguva zvikuru dambudziko. Kukura uye uwandu bhangi mapazi muUkraine akaratidza kuti hurongwa haingasviki richaparara. Kambani akaita nomuzongoza yose mari nemamiriro nyika, uye defaults kune yokutanga yaiva yakarova upfumi. Sechikamu kubhengi rakanga kuwanika kupfuura zvakanaka dhora Gengi nguva dzose. Client inopa-chinja mabasa zvemari shoma mutengo. Yoga chingataurwa pamusoro deposits, iyo iri pakanyorwa dzimwe zvinopiswa kumusika kucherekedza anokwezva zvikuru. Kwemakore anoda kusvika makumi maviri nhoroondo yose Bank kunyunyuta kubva vatengi kumbova, zvose kufarira uye pachake deposits vakabhadharwa mune nenguva nenzira. Zvose zviri kunzwisisa uye nechokwadi zviri kutendeseka pakati tsika zvemari, akaita kukwezvwa yakawanda makambani pamwe. Nei chete zvinobudirira weathered matambudziko 1998 uye 2008.

Chii kuita nhamba, kana ichangobva zvakanaka nhamba

Pasinei yakanaka chaizvo mukurumbira kubhangi, achangobuda nenhamba inoratidza pane mamwe matambudziko ari mapenzi zvemari. Maererano nenhamba, kugadzwa inoremekedzwa pakutanga ari kureva kuti Ukrainian mabhanga uye ari nhengo rechipiri boka. The guru mvumo kubva kupfungwa "VAB" pamahombekombe, izvo wongororo havasi zvakanakisisa, akaenzana 3.048.619 zviuru Hryvnia. Net mubereko mari yokupedzisira nhau nguva, maererano nemashoko kubhangi, 475 543 zviuru Hryvnia. Pane imwe chakarurama inonakidza inoratidza mamiriro ezvinhu - vanobatsirwa kuti nguva, izvo yaiva anenge kubvisa zviuru 50 Hryvnia. Against pakanyorwa zviratidzi yasara mari haisi chinokosha, asi vanofanira kunetseka pamusoro liquidity mari masangano.

Kutanga dambudziko rokutanga?

Kokutanga depositors "Mapisarema" kubhengi davi vakashanda yose Ukraine, akatanga nezvinetso aine kubhadhara deposits muchirimo 2014. Uyezve, kunonoka yakanga kwete zvoushumiri kudzoka deposits, asiwo kubhadhara mubereko pamusoro deposits. Kubhangi kuti utariri haana kubvumira kutya panguva uye iri kuramba nezvezvandaifanira ndechokuti urongwa zvemari nokukurumidza kuwana refinance wakanaka, uye vose matambudziko vachaenda zvinetso pfupi iri kure kare.

Mashoko aya akanga asiri munyengeri, uye pakutanga matambudziko nguva tsika zvemari pakunyatsomuziva mari yakanaka nekuti Olegu Bahmatyuku akakwanisa kutaurirana hurumende itsva. Kubhangi kuti utariri kuti kusvetukira mukati uye kunozivisa issuance mubhangi mu uwandu 1000 Hryvnia pazuva. pakupedzisira wandei tranche nokupera anenge zvachose. Pane mazano kuti huru rubatsiro rwemari yakapera varambe Bakhmatyuk zvebhizimisi uye kuramba mari. Kunyange zvazvo izvi zvinoratidza hazviiti. Uyezve, zvinobudisa vakaramba zvakanyorwa pamusoro chokwadi chokuti ari mari depositors ari zvebhizimisi "VAB" pamahombekombe, izvo akaongororazve tyisa muzvinabhizimisi runovaka basa rake zvokurima.

Ngatitaurei kudzokera kudzoka deposits. Pamuganhu 1000 Hryvnia aiita refu. Apo ushandiswe muganhu chete ruoko mari havasi kugamuchira. Kuti varege unozvidzinga kure savers rutapudzo papi anosvika 500 300 Hryvnia, misoro akauya zvakasiyana. Kutaura zvazviri, mari yacho chaiyo yakanga iri mari desks pakati kubhangi haasi anopfuura 1-2 pavhiki. Transfers kune dzimwe nhoroondo avharwa. For vakurumidze kugumiswa chibvumirano, vatengi aifanira kubhadhara dhipoziti 10%. Uye kuti aingova muromo iceberg. Zvose akafumura nomukurumbira "Mapisarema" kubhengi sangano zvemari. Reviews pakati 2014 vaiva anonongedzera rekutanga kuuya dambudziko.

Chii chinoita imwe fungira: utariri kusazvibata

Maererano ichangobva mashoko kubva nevezvenhau, muridzi "Mapisarema" danda mubhangi kambani depositors wongororo izvo ose mwedzi iri kungoramba uye kuipa, achitoita anozivikanwa Ukraine Bakhmatyuk. Pasinei nokuti muridzi migove waramba chero kubatanidzwa mubhangi, chokwadi nyaya yakasiyana. Sezvo takaona, mari tsika zvikwereti kune boka panguva 4, iyo ndiyo pfuma Bakhmatyuk: "Rayz Maksimko" uye "niva", "Spetsagrarproekt" uye "Agro Alpha". Uyezve, mari tsika utariri - munhu pedyo vapedzisira, uyo akaita akamirira vamiririri vayo zvinoverengeka dare zvekufamba. An dzinonakidza Chokwadi ndechokuti zvikwereti makapiwa makambani okurima kuti akazvipiwa pasi musoro ndivo, mukati 16%, izvo anenge akaenzana dhipoziti purogiramu, uye asingauyi kufukidza Nokurasikirwa pakati tsika zvemari. Vezvenhau vari kuramba zvakajairika okuti "VAB" pamahombekombe, izvo akaongororazve zvakaipa, zvakatengwa kuvinga chinangwa chikwereti makambani okurima yambotaurwa, uye kudyidzana nevanhu uye ezvokutengeserana nemakasitoma kungoreva zvinobatsira, uye kutaura haana kuenda. Vasina kudzidza mitemo yacho utungamiri idzva kwakaita kuti chokwadi chokuti mari sangano "Mapisarema" kubhengi depositors akaongororazve murombo.

Bobble nokubiridzira: nhoroondo dambudziko

Kuwedzera kune pamutemo uye nyanzvi matanho nehurumende itsva masangano zvemari "kuti VAB" bhangi, makambani mugumo akanga pakutsvaga mari kubiridzira, iyo kakawanda anotaurwa pepanhau "Evening News."

Pakutanga, vanhu zvava kuwanika pamusoro parinouya cashiers, uyo akaramba zvachose kuita dzimwe Exchange kwema havasi pasi pomutemo kudiwa zvakanaka. Bank chisingatombotarisirwi Kuongorora kwakaratidza kuti mukati masangano aiitisa mashandiro zvinopfuura $ 4 miriyoni. Izvi zvimwe 10 nguva pane currency chaizvoizvo akatengwa kubva vanhu. Zvadaro isu zvakanyatsonanga kuti nzira kutengwa uye kutengesa US mari pamisika panguva kubhangi aiva mumwe kupfuura anoyevedza.

It inoshongedza mamiriro ezvinhu chokuti kutenga dzimwe mari iri uwandu kwakajairika yeGmail.END_STRONG 100- $ 200 zvakanga zvisingaiti, nokuti cashiers vari kuramba kutaura pamusoro kusavapo mari iri muruoko. The odhita akaratidza kuti ose zuva muhofisi akatenga mazana ezviuru zvemadhora, uye izvozvo chete muruoko chete. Muchiitiko chino, kubhadhara vakanga rakakamurwa akawanda nhengo, kuti arege ndirumbidzwe. Used nyepera zvinyorwa. pakutengeserana All akasaina nokuda keshiya. The zvachose Vhoriyamu kwema masikati dzimwe nguva vakapfuura $ 2 mamiriyoni, izvo zvinoratidzwa magwaro. NBU haana vanokwanisa kuumba sei zvinhu kushanda mubhangi uyewo bhuku kwema havana uwirirane chaiko zviito cashiers. Mukuwedzera, vhidhiyo kurekodha apo vachiongorora havana kubvumirwa kuzvinzwisisa zvakakwana, uye dzimwe matepi vakanga vakatasva. Musi chokwadi kuti kutyora webhanga akanga arasikirwa kuvimba of NBU, uye akasimuka pasi ngozi yokurasikirwa rezinesi. Manomano vaparadze mukurumbira uye kugadzwa "Mapisarema" Bank, wongororo akatanga kuzviratidza zvinoodza chaizvo.

Sezvo makambani vachitambura?

Vasina kudzidza mitemo yacho utungamiri idzva, izvo zvinoita kuti ape multi-miriyoni mubereko-zvikwereti, kwakakanganisa zvarinoita chokupika pamahombekombe arwo mitoro kuti depositors, izvo pane zvakawanda. Business nzira, pamwe kusarurama nhau, zvazvinoita mukurumbira. Izvi inotsanangura kuti pakagadzwa "Mapisarema" kubhengi depositors akaongororazve achangopfuura ruviri. Maererano vatengi, vaiva kwenguva refu pamwe ekupedzisira uye haana kwashorwa, nhasi pane mamwe matambudziko. Izvi asiri kubhadhara deposits pakupera mazwi avo. matambudziko akanyanya dzinoitwa dhora zvipo. Kuedza kubvisa matambudziko tsika mari kuburikidza kukwezva vatorwa vanoita kuti guru akasangana kukundikana, saka, zvokukurumidzira zvinetso deposits akaramba ari mupurigatori.

Sei kurega pamusoro deposits, uye kana voitakura kunze zvachose?

Kuvapo matambudziko mu "Mapisarema" chekambani Bank aigara wongororo vanoti. Vanoita kwete chete havagoni kuwana maoko enyu pamusoro mari dzavo, vane nhamba nechinouya nokuda kwekushaiwa pamwe zvizere. Vakagamuchira mishumo enderana atadze kushanda zvakanaka paIndaneti rwezvemabhengi uye kushaya mukana wokuita kutamiswa. Kana kare dzakanyorwa pamusoro kadhi nhoroondo mari kubva dhipoziti anogona kubviswa panguva ATMs "Atmosphere", kana asiri mari mubhadharo ari muzvitoro nhasi, ichi hazvibviri. Vatengi haitomborina mukana uchatamisa mari yavo kubva munhoroondo mumwe.

Bhokisi mapazi hofisi vari zvakanyatsorongwa hapana mari, uye ATMs maturo. Guide «VAB» Bank Oleg Bakhmatyuk chiso akaita nyaya yacho kuna National Bank kuti recapitalization of tsika. Zvinosuruvarisa kuti chikumbiro akapiwa waiver, sezvo mutemo basa pakagadzwa yagara vakabvunzwa. With tariro yokupedzisira makambani akabvumira kukanomira pakutanga 2015 pemitsara refu kuti haana kuuya chero mugumisiro. Tariro chete kuti dzosera - ndiwo muripo inishuwarenzi Fund, kunyange kukwana.

Misangano mikuru uye kuratidzira - the kunyanyisa kuti vanoita vari

About "Mapisarema" kubhengi kutenga inofambiswa mumakore gore akawana chete kunaka. Vanhu vari kutya kuedza kudzokera mari dzavo. Pashure pakatanga kwekanguva ruregero nokuda NBU urongwa vakaziva sauka. Muvanhu kusununguka mamiriro ezvinhu haringorevi akaipa wongororo. Vanhu vanoenda Misangano mikuru, vakaedza kutaura pachake pamwe utungamiriri sangano, izvo, zvakajeka, haana kuuya chero mhinduro. Pakanga kunyange nyaya muKiev, rakanyorwa yomunharaunda nevezvenhau, kana vakadzi mumigwagwa pamwe aive achirangarira kudzoka mari, uye akadzikatidza kufamba motokari mumigwagwa Kiev. Makore akawanda basa rinobatsira pane kubhangi Makawana zvikuru zvakawanda vatengi, kunyanya aimbova kurapa tsika mari nguva dzose inovaka basa rayo nenzira sezvo kuzadzisa zvose zvavanofanira awo vatengi. Chinhu bedzi kunofadza mipiro nhasi - zviri mutsara Alexander mabharani inobvisa pamusoro pambiru wokutanga nemutevedzeri NBU. Maererano naye, kuMudzidzisi mabasa nhasi tora zviito zvose kuitira kuti vatore "Mapisarema" Bank (Ukraine) kubva kumusika uye panguva imwecheteyo kugutsa ruzhinji chikwereti zvinotaurwa.

Kubhadhara kubva Fund pamusoro inosimbiswa deposits: angava kuvimba wepamutemo zvishoma?

Kamwe muna September 2014 mu "Mapisarema" Matambudziko nebhengi izvo dzakachinja zviuru zvevanhu mhiri Ukraine zvokungoitawo Kutarisirwa wakatangwa, ari Fund kuti anosimbiswa deposits vakafunga kubhadhara vanenge 200 zviuru Hryvnia neimwe depositor kana dhipoziti huwandu akaenzana kana kupfuura yakatarwa mureza . Kubhadhara dzakagadzwa pakupera 2014, uye panguva iyi uye panguva bhokisi kuhofisi vachiri kushanda mumahofisi uye pamahofisi Ukrsotsbank tungamidzana vakatanga kuungana. Customer sangano "Mapisarema" pamahombekombe, izvo deposits makore mashoma apfuura chaizvo anokwezvwa vanhu zvakanyorwa mazita kuti kutaridzwa nguva muripo. Rakanga riri zuva pashure kushanya chero mari akabhadhara.

Nyaya mberi zuva nezuva. Vanhu vaifanira kuti ape makadhi uye zvishoma nezvishoma vopedzisira pavo akabhadhara. Information pamusoro zvizere Implementation pakati wazvipira pamusoro chikamu National Bank Deposit Guarantee Fund asati akashuma. Mamiriro zvakasara ibvi nhasi.

Ndiani blames Bakhmatyuk kana mamiriro ezvinhu kuburikidza meso muzvinabhizimisi ukrainskgo

A mamiriro ezvinhu umo raparadza "Mapisarema" pamahombekombe, akarova muhomwe vagari vazhinji Ukraine. Asi zvinofadza zvikuru chinhu ezvinhu kuti huru mukutsirani Bakhmatyuk sangano zvemari asingabvumi mhosva yake. Anoisa mutoro chii chakaitika panguva NBU. Maererano naye, iye akapa kuponesa zvinhu nokuva ane investor masangano, akaronga mari mu "Mapisarema" Bank (Kyiv) somunhu mukutsirani mabhiriyoni matatu Hryvnia. National Bank akavimbisa kuita mamwe capitalization mu uwandu bhiriyoni 4 Hryvnia. Zvisinei, panguva yokupedzisira akaramba hurumende recapitalization. A yechipiri kuedza kuponesa mamiriro Ukrainian muzvinabhizimisi - ndiye urongwa munhu akaisa chikwereti kubhengi kwemakore 10, asi pamusana investor wacho Portfolio kuti affiliate vanopa akarambwa. Zvikonzero Chisarudzo ichi NBU aiva Commission, kwasvika kubhangi kuongorora uye kugadzira chokwadi mari kubiridzira. Detail dzomunyika zvinoitwa kubhangi kukwanisa kuongorora kunyange nyanzvi pamberi zvose zvinowanikwa Statistical mashoko. Media akakotamira ndechokuti kutadza kudzora mamiriro uye akasunda kuti NBU kuti kubviswa munyika guru bhengi.