"The kukura Bank ': Matambudziko (2014). OJSC "Bank Zvokuwedzera", Rostov-on-Don

JSC "ROST Bank", vachiva vakasangana dambudziko kare 2014, panguva kwakatangwa kubudirira zvemari, izvo achishingaira rinotsigirwa mumhuri hurumende. The nechepakati kuhofisi bhangi riri munharaunda Moscow. Mapazi vari dzakasiyana dzenyika yacho, kusanganisira Rostov-on-Don uye Orel, Ryazan uye Murmansk, Tver uye Saratov, uye mune dzimwe nzvimbo dzakawanda. The guru mvumo kubva Institute riri 2.375.139.760 rubles.

Ngatidzokerei munhau

"Bank Growth" akazviratidza kare 1994 uye aizivikanwa panguva se mubhengi "Kazan". Muna 2004, zviri pamutemo chimiro tsika zvemari aichinjwa LLC kuna JSC. Muna 2013, kuburikidza kwemapazi nemabhengi "Growth" uye "Kazan" yakaumbwa sangano zvemari kuzivikanwa nhasi se "kukura kubhengi." Nokuda chikwereti sangano nhasi ane anenge 40.000 vanhu uye 3,000 pamutemo masangano. Nhamba yevanhu vakasarudza kupfungwa ave shamwari, iri zvakanyatsorongwa kuwedzera. Credit uye sangano zvemari unoshanda pasi wemauto rezinesi pakati Central Bank of Russian Federation pamwechete nhaka kodzero kuvhura mapazi munyika uye kunze.

Financial policies uye zvaiiswa pakutanga rwezvemabhengi tsika

JSC "ROST Bank" (dambudziko muna 2014, zvinosuwisa, vakanga zvakakomba kwazvo) munhoroondo yose ivepo sezvo huru yokutanga hwagara vakasarudza zvido vatengi. Izvi sangano zvemari rokutanga ari pamusika kupa nevamwe vedu yakanakisisa rwezvemabhengi zvinhu uye zvakagadzirwa. The kosi wabatwa pamusoro kwenguva pamwe ose mutengi.

sangano kukura nzira dzinoratidzwa omarara Rumhangapanga. Basa iri kuitwa chete mune chaiyo nemauto hwenyika. Bank basa iri nguva dzose simba, modernized uye vakwana sezvo zvemichina mberi. Tsika zvemari rinoshanda chikwereti gwara, nguva dzose uye zvishoma nezvishoma vachiwedzera Portfolio kwayo.

yakavimbika nemumwe

"ROST Bank" Rostov-on-Don, uyewo mahofisi muMoscow uye St. Petersburg, ari nhengo REUTERS uye KURUMIDZAI nehurongwa. Izvi zvinoita kuti pave vatengi vane mabasa remittances dzakawanda, zvinoratidza vachida kuvimbika. Key zvemari sangano vakaroorana - ndiko OJSC "URALSIB" uye OJSC "Rosbank". The Bank vanochengetedza dzomupepanhau ukama nezvavatorwa masangano akadai:

• Deutsche Bank Trust Company Americas muUnited States.
• Deutsche Bank AG muGermany.
• Commerzbank AG muGermany.
• VTB BANK muDenmark.
• AG muGermany.

OJSC "Bank ACHIFAMBIRA" ari Moscow International Currency Association uye Association of Banks Russian inhengo dzakawanda mubhadharo hurongwa Visa International uye Mastercard International, rinobatanidzwa dzokutengeserana pamusoro Moscow Currency Exchange uye MICEX.

Chii chakaitika muna 2014?

Perfect Bank nyaya haisi nguva dzose vakashanduka zvakanaka uye chinyararire. Most ichangopfuura, paiva chinyadzo chaiyo, iyo, sezvinei, zvidiki nezvinhu akakwanisa kutsungirira "kukura kubhengi." Nezvinetso Central Bank rakatanga apo kutanga muganhu pamusoro issuance pamusoro deposits rakanyorwa muna 2014. Tsika zvemari inobhadhara ayo depositors vaifanira kubva 30.000 pamwedzi. Vanhu aifamba muhofisi kunhonga mari dzavo.

The chakakuita Akakwezva of Central Bank of Russian Federation uye nokuti "kukura kubhengi" Rostov-on-Don rawa zvikuru muna Rating Standard & Poors dzakawanda risingaoneki, uye kwete munhu nzvimbo shoma, uye kuti ufanane pre-default mamiriro. LETSATSI akagadza chevanorwara zvemari iri controller, izvo mukufamba tinyatsonzwisisa zvinhu kwaratidza zvinhu zvisiri pamutemo achiposa izvo zvakazoita kuti dambudziko rakakomba kwazvo.

Chii chaiva chinodiwa kuti gore ra2014 dambudziko?

Kunze kwokuti "kukura mabhanga 'liquidity matambudziko muna 2014 ane jeko chaizvo kuderera mune akaererana chipo zvinhu uye zvisiri pamutemo achiposa akanga reshiyo nomumwe shareholders. Maererano nenyanzvi, chevanorwara zvemari mubasa vanoshingaira maberekero pakati yesangano kusvikira kurutivi kuburikidza zvekunyepera zvikwereti imwe varidzi.

Sezvinotaurwa nezvinobudisa nhau, mumwe varidzi migove, kureva Oleg Karchev, vaiita "munyonga imupota" wake kambani Merlon, kushandisa nesimba Zano chikwereti-ne-usiku makambani. Maererano rokutanga nokufungidzira, uwandu vasingabhadharwi tsika kubhadhara nemitero akayera mune mabhiriyoni rubles. Chitima midziyo akava dema aizonyatsovachenesa pamusoro mukurumbira "Kukura kubhengi" Rostov-on-Don, Moscow nemapazi dzimwe nzvimbo dzenyika. Kuperevedza zvavo uwandu bhiriyoni 10 rubles akaparadzawo kwete chete kupfungwa pacharo, asiwo pemahombekombe obnalnogo akadai boka rake: JSC "Tveruniversalbank" uye JSC "SKA-Bank", JSC "Cedar" uye JSC "BaykalInvestBank".

Ndiani chaikonzera matambudziko?

Anenge pamutemo muparanzvongo pokuwa mari ichaita ainzi Alexei Korneshov. Moderator pamusoro JSC "ROST Bank" nyaya dzakaita ayo kubiridzira zvirongwa. baba vake, akanga mukuru Moscow State Technical University kare, uye pamusoro pake vakaramba kunyorwa mumhuri nevezvenhau, kusanganisira hurumende, sezvo vanhu, kwete kuparadza mari masangano, asi akaisa pangozi yose dzemari ezvinhu ehurumende. Moderator pamusoro JSC "ROST Bank", zvinetso zvisina pasina chikonzero, kwakanga kare co-muridzi "Sibekonombanka" kunyimwa ake rezinesi nokuda ose dzevanhu muna 2007, uye mukutsirani kuti "CFT" bhengi, uyewo muna 2013 hakuna marezenisi.

Pasinei runyerekupe nokubatanidzwazve kwakaitika

Pashure pakatanga "ROST Bank" Rostov-on-Don nemapazi mamwe maguta zvokungoitawo Kutarisirwa vakatanga vachishingaira nezvazvo vapore. Nehanya liquidation ane sangano zvemari akaonekwa vezvenhau. Maererano vapedzisira, vapore kuchafumurwa kuti vose boka nemabhangi: JSC "AKKOBANK" uye JSC "Tveruniversalbank", JSC "SKA-Bank" uye JSC "Cedar", JSC "BaykalInvestBank".

Panguva musangano, mumiririri "kukura matambudziko ari Bank 'havana kutanga kunyora zvose, asi kungotaura akataura kuti hapana kururamiswa chichava. The Bank anoramba ari pamwe chete Central Bank unobereka uye ari kufunga vanoshingaira zviyero kuti kuzvidzora kugadziriswa. Uyezve, mashoko akanga anopiwa kuti "kukura matambudziko pemahombekombe 'muna 2014 vachange anokurukura zvakaoma, uye kutanga kuti mitoro vose vatengi, yaipedzerwa deposits izvo yairema anenge mabhiriyoni 40 rubles musi November 1, 2014. Pasinei mutsara mumiririri tsika zvemari, atanga vapore uye kunyatsoomerera kuomerera liquidity pakupora urongwa. Nhasi, mari tsika Anotumbuka zvakare, uye muna 2017 zvinonzi vakaronga kuunza "kukura kubhengi" Rostov-on-Don uye mapazi mune mamwe maguta kuti LEVEL.

Sezvo kutambura bhangi vatengi panguva matambudziko Rostov-on-Don?

Panguva matambudziko pamwechete Central Bank vakatambura vatengi kwete chete muhofisi Moscow, asiwo nemapazi ose. Somuenzaniso, vanhu vari pamwe JSC "ROST Bank" Rostov-on-Don, vakanga vasingakwanisi kuita remittances. All kwema muripo raizosungirirwa. Ndaisagona kunyange kubata kuuya kubhadhara. Zviri pachena kuti munhu kushaya pamusoro mubvunzo vasingagoni kuva. JSC "ROST Bank" Rostov-on-Don, zvisinei, kufanana nemamwe mapazi, akaramba ari mupurigatori kusvikira kuitwa kudzorwa mhinduro uye zvokungoitawo yaitonga. Vatengi havambozivi kana vachida nokusingaperi muchapora mari yavo. Vanhu vaisagona kunyange kutiza mari kubva Payroll makadhi vakasagona maoko enyu pamusoro remittances kubva kunze kwenyika. Inenge zvose basa chevanorwara zvemari zvakavharwa. Hapana akapa chero zvaizoitika. Sezvineiwo, kururamiswa kuti masangano vaiita mamwe mamiriro ezvinhu, "Bean Bank", izvo, maererano nepurani kunaya kubhangi zvichava kupinza muna 2020. "ROST Bank" haasi nematambudziko, kuramba uchiedza kubhadhara zvose depositors vavo mari dzavo.

Implementation Zvokusunungurwa

Sezvataurwa pamusoro apa, tsika zvemari yave vakapiwa nokubatanidzwazve "bhinzi muhari." Iye achava nemhosva mapoka 5 mabhanga ataurwa pamusoro. Zvinofanira kupa kwete chete kubviswa nezvinetso, asiwo pakuzadzisa "Kukura kubhengi."

Nyaya anogona kubviswa panguva tichiregeredza mari iri uwandu bhiriyoni 35.9 rubles. Of mari iyi, mabhiriyoni 18.4 vachapiwa pasi 0.51% paminiti annum kwemakore 10. bhiriyoni imwe 17.5 rakapa pasi 6,01% paminiti annum kuti kwemakore matanhatu. "ROST Bank" iri vakazvipira pachake matambudziko ayo kugadzirisa, kwete chete nokuda refinancing, asiwo kwakakwana kugadzirisa pravlencheskogo midziyo. zviito zvose zvichaparadzwa zvachose raitungamirwa Central Commission. Vanachandagwinyira yemibvunzo rwezvemabhengi akavhiyiwa - chiri chinodiwa Zvokusunungurwa. Tinogona kutaura kuti "kukura matambudziko pemahombekombe 'pamwe Central Bank akasarudza zvinenge chose, zvino zvakafanira kupembedza kuvimba wakaiswa pamusoro pake.