Bank "Nadra": libuyekeza emabhange. Kwenzekani ebhange "Nadra"

Ngo-October 1993, i-NBU ezibhalise entsha sesikweletu - yasebhange "Nadra". Waqale ezikhethekile embonini yamalahle. abasebenzi ezingaphezu kuka-9,000 babesebenza kule nkampani "Nadra Bank". Amahhovisi elise zonke emadolobheni amakhulu ase-Ukraine, wakhonza ezingaphezu kuka-1.5 million amakhasimende. Ezikhathini kangcono, izikhungo inethiwekhi kuhlanganisiwe amagatsha 700 emadolobheni ahlukene, 1,000 ATM futhi 4,500 ezikhumulweni. Ikhadi "Nadra Bank" kwakucishe ohlonishwa kakhulu insimbi yenkokhelo. Ngemva 2011 inhlangano isilinganiso aqala ukuncipha. Eminye imininingwane mayelana nokuthi kwenzekani ibhange "Nadra" manje, bheka lesi sihloko.

amasevisi

"Nadra Bank" (Ukraine) inikeza amaklayenti anhlobonhlobo imikhiqizo. Phakathi esiyingqayizivele - tariff amaphakheji, eyayihlanganisa zonke izinto ezidingekayo ukuze ukusetshenziswa ngempumelelo izimali ezivela akhawunti zamanje ukuba credit cards. Ukuze amakhasimende amabhizinisi amancane kanye naphakathi, ngaphezu, siye enikeziwe ehlukahlukene lesikweletu imigqa, ukugcinwa ezifakwa wavula ngo JSC "Nadra Bank", "i-client-yasebhange" ukuphatha izimali.

Ukuze abantu kwakhiwa amasethi wonke amasevisi.

Iphakheji "Okokuqala" - eshibhe neqoqo sakugcina izici:

- ukukhipha ezifakwa nganoma yiluphi uhlobo lwemali noma nini;

- ukuvula akhawunti yokonga;

- ukwenza izinkokhelo ngokusebenzisa imali ngokunikezwa ukuthunywa ubuncane;

- ukusebenzisa "Iklayenti-Bank"-akhawunti ye-elawulwa kude;

- ulungise imisebenzi okuphindayo.

Njengengxenye iphakethe "imali Mahhala" ikhasimende kungaba ukuxhuma SMS isaziso, ukuhoxisa izimali kusuka ekhadini ngaphandle ikhomishana nesokuqongelela imali ku idiphozi e izibalo at amaphuzu yedivayisi yokuthengisa credit card. "Umndeni" kukunika ukufinyelela izinsizakalo ezifanayo, kodwa enezimo ezingcono: anda senzalo .. On ukonga, abaqotho ngaphezulu kule mibandela ngokufaka isicelo se-loan, njll Ukuba iphakethe "Social", impesheni ukufinyelela i-akhawunti yamanje futhi unamathele kuye ibalazwe khulula. Ikakhulukazi VIP-amaklayenti uhlelo Igolide nePlatinum zenzelwe, ikhasimende wathola ngaphansi okuyinto isevisi ngezifiso isethi eyengeziwe eziwusizo.

impumelelo

Yezefundo abathintekayo ekukhokheleni izindleko hlelo, eyasungulwa EBRD. I shareholder main ngo-2011 kwaba Centragas Holding GmbH (89,97%). Ukuze andise ukubaluleka amafa uye wadala izimali eziningana onguchwepheshe uma utshala imali. IRR ukubuya ingamaphesenti at 25%. Igama elithi isilinganiso idiphozi wayeneminyaka engamashumi 4.5. Le nkampani futhi uboleka "Dogma Ukraine" zadalwa; Leasing isenti "Evrofinans" futhi SC "Investment inkonzo". Bonke esebenza ngaphandle ebhange, kodwa ngenkuthalo babambisane Inhlangano kohlaka imikhiqizo cross-ukuthengisa.

izinkomba zezimali

Ngokusho imiphumela III ingxenye yesine ka-2014, lesi sikhungo ehluleka ukuhambisana eziningana NBU nezimfuneko ezingokomthetho. isibonisi yamanje kwehle kuze 20,87% ngesikhathi edingekayo 40%. Inani eliphelele counterparty ingozi zaba 28,65% (kuyinsakavukela - 25%). Abantu baqala kunonophiswe kubuye kuthathe ezifakwa "Nadra Bank". Lokhu kuye kwaholela Oqala ukungezwa aze agcine izinga kwempahla. Phakathi ikota 3rd 2014 ivolumu imali kwehle ngo-1 bhiliyoni UAH. Nakuba outflow langempela kwaba ngaphezulu: ngenxa ukwehla we hryvnia ezifakwa lwemali lakhula.

kabusha ofeleba

"Nadra Bank" (Kiev) engena uhlu izikhungo lapho NBU avunyelwe angabuyeli isikweletu silondoloze zezimali. Ngokucacile, ejensi e-September, umlamuli kufanele kufanele abuyisele inani UAH eziyizigidi ezingu-900. Umnqamulajuqu yokukhokha lihlehliselwe uDisemba 2014. On izinkinga sikhungo credit futhi wabonisa ukuthi ekupheleni kuka-June, ibhange badlulisela icala abanikazi Eurobonds isiphakamiso kabusha izikweletu. Inani loan kwaba $ 59.66 million ukuvuthwa ngo-June 2017

"Nadra Bank" (Ukraine) uye babengenayo imali ngezikhathi zeziyaluyalu ka 2009. Khona-ke, lo NBU usanda kwethula lento urhulumende zesikhashana ukusungulwa nokusekela imisebenzi ebhange waze wawuthola zimali omusha - Centragas Holding GmbH. Kwadingeka ukuvuthwa ezikweletini ubudala ukwenzeka ngo-2016. Kodwa, ngokusho idatha olungekho emthethweni, ibhange hhayi kuphela waqala sokukhokha imali ebolekiwe, kodwa futhi wenza uhlu olusekhasini ofeleba olandelayo ngo-2014.

inombolo Umzamo ezimbili

Februwari 6, 2015 Idiphozithi Isiqinisekiso Isikhwama ngabanye (FGVFL) wethula ekuphathweni zesikhashana "Nadra Bank" (Kiev) kanye ngesonto ngaphambi Pension Fund wakhetha isikhungo ukukhokhwa kwemihlomulo kulabo abangamalungu akhokhela Ukraine. Ngo NBU wachaza ukuthi ngenxa nedokapitalizatsii ukuhlolwa ukucindezeleka yasebhange izidingo lesikhungo kuthiwa ezikweletini. Iningi imali (99%) aseqi isamba ayizinkulungwane 200. UAH. Lokhu kubolekisa ngemali kufanele abuyisele FGVFL ngemva ekuphathweni elizobamba yethulwa ngo "Nadra Bank". Izibuyekezo Kwamakhasimende kule izinkundla uqinisekise ukuthi le nqubo ithatha indawo impumelelo ngezikhathi ezithile. 1% kuphela emabhange babe ukonga imali engeqile ayizinkulungwane 200. UAH. amakhasimende okunjalo lungakuchoboza neqhaza futhi iyolanda imali ngokugcwele. izinkokhelo Ubude zaba angaphezu kwezigidi eziyizinkulungwane ezingu-3,5-USD.

Siyini isizathu

Ngo NBU ukuchaza ukuthi ibhange usengakathelwa abhekana ngayo inhlekelele 2009. Ayikho kubatshali bezimali abasha noma abaphathi uzame usimamise isimo awazange asize. Kodwa isazi ukuhlaziywa ofeleba izinhlelo wabonisa ukuthi isikhungo lizoqhubeka ngokwenza ukulahlekelwa. Ngakho-ke wanquma ukwethula kube nesimiso sokuqondisa zesikhashana. ekuphathweni Owabe (kuze 2009) ukukhipha ukubolekisa okungaphephile. Iphepha kubonakala yakhelwe kahle. Kodwa esiqiwini ngokwaso njengoba nil. Ukumboza izikweletu zamanje izosetshenziswa reserve kwakhiwa kakade Firtash.

Ibhange "Nadra": Izibuyekezo

Oqala ukungezwa aze agcine isimo sezimali emabhange ethintekile nje kuphela kodwa futhi abasebenzi kuleso sikhungo. Ukuze kayikhulu ngosuku ukuchazela abantu ekutholeni uhlelo idiphozi ngokusebenzisa FGVFL ulalele imibono ngabanye Angenelisekile, kubalulekile ukuba imizwa enamandla.

Imiraro kwamakhasimende waqala ngesikhathi lapho esitebeleni isebenze yasebhange "Nadra". Izibuyekezo zabantu ku izinkundla uqinisekise ukuthi ngezikhathi kukhona ukwehluleka inthanethi uhlelo yasebhange. Imali akuyona wafinyelela imininingwane edingekayo, futhi kwadingeka ukuba sibheke isikhathi eside. Ingxenye yentukuthelo wavezwa ngokumelene ukuziphatha abanamusa amahhovisi abasebenzi. Kodwa le nkinga awumusha futhi itholakala izikhungo eziningi.

Ukraine kwaqina kakhulu ngemva ngokubeka kube nesimiso sokuqondisa wesikhashana ibhange "Nadra". Impendulo ku-izinkundla aqukethe isiphakamiso ukudayisa idiphozi ngokuba hryvnia, kanye namathiphu okuthi ungawusebenzisa kanjani ukuze uthumele izimali kwesinye isikhungo. Ikakhulukazi, mBhalo, kumelwe ukubhala incwadi nommeli, ebonisa ukuthi izinhlangano zezimali bangathola imali ikhasimende, kuhlanganise kusuka FGVFL, futhi ukunikeza leli phephandaba "Nadra" izinsuku ezimbalwa ngaphambi inkokhelo.

Ukulondoloza - enkantolo

Ngenxa kunezinkinga zemali isikhathi eside, abantu baqala bakamalalahlengezela ukuhoxisa imali. A ukwehla enamandla zezimali futhi uwohloke amafa kuholela yokuthi ekuphathweni interim busuka imbiza. Ngokomthetho, kusukela manje kuqhubeke kufanele bakwenze FGVFL imbuyiselo amakhasimende. On ukuthuthukiswa iqoqo kuthatha isikhathi eside. Abantu abaningi bazama ukuthola imali emuva ezinkantolo. Manje ematfuba isinqumo esihle ngisho ephakeme. INkantolo Ephakeme iyalele izikhungo zezimali ukukubuyisela imali hhayi nje ngobe kutawutfutfukisa inkathi ukusetshenziswa idiphozi, kodwa nezalo isikhathi ngemva kokuqedwa inkontileka.

yasebhange Ummangalelwa "Nadra" ivela emalini izenzo eziningana ezinjalo. Izibuyekezo amaklayenti abaye bazama leliqhinga, abonisa ukuthi isinqumo seNkantolo senziwa hhayi esivuna a isikhungo credit. Kodwa leso sinyathelo kuyadingeka ukuya kuphela uma ngabe inani elifakiwe idlula Isikhwama yibhange. Kungenjalo, izindleko zomthetho kungaba zinkulu inani idiphozi. Kodwa lokhu kwenzeka kuphela kubantu ukwephula imibandela yokukhokha. Enye into - Ukukhishwa dollar ezifakwa lwemali kazwelonke. Umthetho ubeka ukuthi Kulezo zimo imali isikhokhiwe lwemali kazwelonke ngesilinganiso NBU ilayisensi usuku lokusula. Yilokho kanye okwenzeka ebhange "Nadra". ilayisensi 02/06/15 uyasuswa. Isikhulu exchange rate ngaleso sikhathi kwaba mayelana 18-19 UAH / USD, futhi emakethe interbank - .. 23-25 UAH. Umehluko omkhulu, ikakhulukazi uma inani okomnikelo eziyizinkulungwane ezimbalwa kuphela. Y. e. abakhonondayo abatshali bezimali baye bazama inselelo isinqumo enkantolo, kodwa imiphumela kuze kube manje.

Ukumiswa ebhange

Ngo-April 2015 National Bank "Nadra Bank" iye yanquma ukuba bahoxe ekungeneleni emakethe. Izinkokhelo lokuqala kakade lidlule ngoMeyi 2015. On 12.06.2015 iqala esigabeni of the ukubuya ezifakwa yesibili. Kuyoqhubeka kuze kufike isikhathi Julayi 23, 2015. Izimali uzobhadelwa umenzeli, "Raiffeisen Bank Aval". Isinqumo ngembuyiselo okomnikelo nabantu abangamkhonzi ujike ngesikhathi esithile ku-ejenti, babengase babhekwe ngamunye emva kwalolu suku. Ukuze imibhalo ukuqeda ibhange "Nadra" National Bank usunike unyaka owodwa (kuze July 2016).

isiphetho

Eminyakeni eyishumi edlule, omunye izikhungo ngobukhulu abolekise kuleli zwe kukhona "Nadra Bank". "Iklayenti-Bank", lamanje, idiphozi, ikhadi, ama-akhawunti iholo, umshwalense, eqashisa ngamafulethi - kungcono nje uhlu encane ezihlinzekwa yisikhungo sezinhlangano eziphambili zezezimali ukuze sabantu. Ezikhathini crisis 2008-2009 , iBhange kwakudingeka nokutjhugulula. Khona-ke wathenga inkampani Centragas Holding GmbH. Kodwa izinyathelo ezithathwe ukubuyisela isimo sezimali kwakungenele. Ngo-February 2015, ekuphathweni zesikhashana yethulwa Bank. Uhlaziyo zezimali kuye kwabonisa ukuthi sanitizing ibhange akwenzi mqondo. Ngakho-ke, kwanqunywa ukuba kuqedwe ke. Izinkokhelo ngowokuqala emabhange kudlulile kakade. Igagasi lesibili kuhlelelwe kwesikhathi kusuka 12.06.2015 ku 23.07.2015 ngonyaka.