"Growth Bank": izinkinga (2014). I-OJSC Rost Bank, uRostov-on-Don

I-OJSC ROST Bank, eyabhekana nezinkinga ngo-2014, njengamanje isikhungo sezimali esiyimpumelelo, esisekelwa ngokuqinile nguhulumeni waseRussia. Ihhovisi eliphakathi lebhange lisendaweni yaseMoscow. Amagatsha atholakala ezingxenyeni ezahlukene zezwe, kuhlanganise naseRostov-on-Don nase-Orel, eMurmansk naseRyazan, eTver naseSaratov, kwezinye izindawo eziningi. Inhloko-dolobha egunyaziwe ye- Institute yi-ruble engu-2,375,139,760.

Ake sibuyele endabeni

"I-ROST Bank" yavela ngo-1994 futhi yaziwa ngaleso sikhathi njengebhange elithi "Kazan". Ngo-2004, ifomu lezomthetho lesikhungo sezezimali lishintshiwe kusuka ku-LLC kuya ku-OJSC. Ngo-2013, ngenxa yokuhlangana kwamabhange "Rost" no "Kazan", isikhungo sezezimali, esaziwa ngokuthi "i-Bank ROST", sakhiwa. Ku-akhawunti yesikhungo sesikweletu namuhla kunabantu abangaba ngu-40 abayizinkulungwane ezingu-3 nezinkampani ezingokomthetho ezingu-3 000. Isibalo sabantu abakhethile isikhungo njengomlingani sikhula ngendlela ehlelekile. Isikweletu kanye nesikhungo sezezimali sisebenza ngesisekelo selayisense jikelele yeBhange Elikhulu leRussia Federation elinelungelo lokuvula amagatsha kuleli zwe nakwamanye amazwe.

Inqubomgomo yezezimali kanye nezinto eziza kuqala ezikhungweni zebhange

I-OJSC ROST Bank (izinkinga zika-2014, ngeshwa, zazingathí sina kakhulu) kulo lonke umlando wokuba khona kwazo njengento ebaluleke kakhulu ehlala ikhetha izintshisekelo zamakhasimende. Lesi sikhungo sezezimali sasiyinye yezinto zokuqala emakethe ukunikeza abalingani bayo imikhiqizo ebhange yasebhange kanye nezinqubo ezintsha. Le nkambo ithathwe ngokubambisana eside neklayenti ngayinye.

Isu lokuthuthukisa lenhlangano likhonjiswe yi-conservatism eqinile. Umsebenzi wenziwa kuphela emkhakheni wangempela wezomnotho. Insizakalo yebhange isendaweni eqhubekayo, njengoba ukuthuthukiswa kwezobuchwepheshe, kwamuva futhi kuthuthukiswa. Isikhungo sezezimali senza inqubomgomo yekhredithi esebenzayo, ukwandisa iphothifoliyo yayo njalo futhi ngokuzethemba.

Umlingani othembekile

I-ROST Bank, i-Rostov-on-Don, kanye namagatsha aseMoscow naseSt. Petersburg, iyingxenye yezinhlelo ze-REUTERS ne-SWIFT. Lokhu kuvulwa ukuthi kungenzeka ukuhlinzeka amakhasimende ngensizakalo yokudluliselwa kwamazwe ngamazwe, okukhombisa ukuthembeka kwebhizinisi. Abalingani abakhulu bezezimali be-Institute ba-OJSC URALSIB no-OJSC Rosbank. Ibhange ligcina ubudlelwane bomxhumanisi nezikhungo zangaphandle njenge:

• I-Deutsche Bank Trust Company yaseMelika e-America.
• I-Deutsche Bank AG eJalimane.
• I-Commerzbank AG eJalimane.
• I-VTB BANK eDenmark.
• AG eJalimane.

I-OJSC "Bank ROST" iyilungu leMoscow International Currency Association kanye nomhlangano wezinkampani zaseRussia, iyingxenye yezinhlelo zokukhokha zamazwe ngamazwe i-Visa International ne-MasterCard International, iqhaza ekuhwebeni kwiMoscow Currency Exchange nakuMICEX.

Kwenzekani ngo-2014?

Umlando omuhle webhange awuzange uhlakulele ngokushelelayo nangokuthula. Iningi lwakamuva, kube nehlazo langempela, okuyinto, ngenhlanhla, nokulahlekelwa okungadingekile okuye kwabhekana nokubhekana ne "GROWTH Bank". Izinkinga ngeBhange Elikhulu laqala lapho, ngo-2014, ukwethulwa komkhawulo ekukhipheni idiphozi kwakhiwe. Isikhungo sezezimali sikhokhele ama-depositors angaphezu kuka-30 izinyanga ngenyanga. Abantu babehamba usuku nosuku emagatsheni ukuze baqoqe imali yabo.

Lesi simo sasihoxisa iBhange Elikhulu LaseRussian Federation ngenxa yokuthi i-ROST-Bank yaseRostov-on-Don yawa ngamandla ekulinganisweni kwe-International ejensi Standard & Poors, hhayi ezingeni ezimbalwa izikhundla, kodwa ezingeni isimo pre-okuzenzakalelayo. I-DIA iqoke umqondisi esikhungweni sezezimali, okwakuqhubeka nokuhlola lesi simo amaqiniso okuboleka okungemthetho, okubandakanya izinkinga ezinkulu kakhulu.

Yini eyadingeka izinkinga zika-2014?

Ngaphandle kweqiniso lokuthi "izinkinga ze-ROST" ze-liquidity ngo-2014 zazinzima kakhulu, ngokufanayo kwaba nokwehla kwezimpahla kanye nokuboleka okungemthetho okuhlobene nomunye wabanikazi bamasheya. Ngokusho kochwepheshe, isikhungo sezezimali senze ukukhishwa ngenkuthalo impahla ehlangothini ngokuboleka okungamanga komunye wabanikazi.

Njengoba kubikwe abezindaba, omunye wabanikazi bamasheya, okungukuthi u-Oleg Karchev, wenza "ukungena kwe-curve" yenkampani yakhe uMellon, ngokusebenzisa ngokuqinile uhlelo lokuboleka kwamabhizinisi amalanga owodwa. Ngokwezibalo zokuqala, inani lokukhokhwa kwamasiko nezinkokhelo ezingakhokhelwa lilinganiselwe ngezigidigidi zama-ruble. Amafa alahlekile abe yindawo emnyama idumela le-OJSC ROST Bank eRostov-on-Don, eMoscow namagatsha kwezinye izingxenye zezwe. Ukuntuleka kwezimpahla ngenani lama-ruble ayizigidi ezingu-10 akugcini nje kuphela ukuthi isikhungo ngokwaso sengozini, kodwa futhi namabhange alo hlobo: Tveruniversalbank OJSC kanye ne-SKA-Bank OJSC, iKedr OJSC noBaikalInvestBank OJSC.

Ngubani obangela izinkinga?

Cishe ngokusemthethweni umsunguli wokuwa kwesimiso sezimali wayebizwa nge-Alexei Korneshov. Umnikazi wamasheya we-OJSC "ROST Bank" waqala izinkinga ngezinhlelo zayo zokukhwabanisa. Ngokuphathelene noyise, owayengumholi weMoscow State Technical University, futhi ngaye kuye kubhalwa ngokuphindaphindiwe emithonjeni yasekhaya, kuhlanganise nemithombo yezindaba, njengabantu abangabhubhisi nje izikhungo zezezimali, kodwa futhi bafaka engcupheni yonke uhlelo lwezimali lwezwe. Umnikazi wamasheya we-OJSC ROST Bank, obhekene nezinkinga ezingekho ngaphandle kwesizathu, wayekade engumnikazi we-Sibeconombank, owalahlekelwa yilayisensi yakhe ngenxa yokuhlukunyezwa okuhlukahlukene ngo-2007, kanye nomnikazi wesabelo seBanki BFT, ongenayo ilayisensi kusukela ngo-2013.

Naphezu kwamahemuhemu, lesi santi senzeke

Ngemva kokwethulwa kukaRostov-on-Don "kwi-ROST Bank" namahhovisi kwamanye amadolobha wokuphatha okwesikhashana, izingxoxo ezisebenzayo mayelana nokuhlanza izidakamizwa zaqala. Imibiko yokukhishwa kwesitatimende sezimali yabonakala kumaphephandaba. Ngokusho kwalokhu, zonke izinkampani zeqembu zizovuselelwa: OJSC AKKOBANK no-OJSC Tveruniversalbank, OJSC SKA-Bank no-OJSC Kedr, OJSC BaikalInvestBank.

Ngenkomfa, ummeleli we-OJSC "ROST Bank" akazange adwebe inkinga ngokuningiliziwe, kodwa wathi kuphela ngeke kube khona isilondolozi. IBhange liqhuba ukubambisana okucebile neBhange Elikhulu futhi libheke izinyathelo ezisebenzayo zokuthuthukiswa okuzimele. Ngaphezu kwalokho, kwabikwa ukuthi inkinga ye-"ROST Bank" ngo-2014 izolungiswa ngokuqinile, futhi okokuqala ukuze kufezeke zonke izibopho kumakhasimende, inani eliphelele lokufaka imali ngoNovemba 1, 2014 laliyi-ruble ayizinkulungwane ezingu-40. Naphezu kwesitatimende sommeli wezikole zezezimali, ukuhanjiswa kwesineke nokunamathela ngokuqinile ohlelweni lokubuyiswa kwamakhemikhali kuqale. Namuhla isikhungo sezezimali sihluma futhi, kanti kakade ngo-2017 kuhlelwe ukuletha i- "Rost Bank" Rostov-on-Don namagatsha kwamanye amadolobha kuze kube sezingeni eliphezulu.

Amaklayenti asebhange ahlupheka kanjani ngesikhathi sezinkinga eRostov-on-Don?

Ngenkathi yezinkinga ngeBhange Elikhulu, amaklayenti ayebhekene hhayi kuphela egatsheni laseMoscow, kodwa nakuwo wonke amagatsha. Isibonelo, abantu abambisana ne-OJSC ROST Bank eRostov-on-Don babengenalo ithuba lokudlulisela imali. Yonke imisebenzi yokuqashwa yasimiswa. Angikwazi ngisho nokucubungula izinkokhelo ezingenayo. Kusobala ukuthi kwakungekho mbuzo wokukhipha imali. I-OJSC ROST Bank yaseRostov-on-Don, kodwa, njengamanye amagatsha, yahlala imiswe kuze kube yilapho isinqumo senziwe ngumlawuli kanye nokuphathwa kwesikhashana. Amakhasimende awakwazi ngisho nokuthi angabuyisela yini imali yawo. Abantu abakwazi ukuhoxisa ngisho nomholo kusuka kumakhadi futhi behluleka ukuthola izandla zabo ngokudluliselwa kwamanye amazwe. Ngokuvamile zonke izinsizakalo zezikole zezezimali zavinjelwa. Akekho owanikeze izibikezelo. Ngenhlanhla, isikhungo sezinhlanzi ngezimo ezithile ezenziwa "eBhange Bank", okuzokwenza ukuthi ilandelwe ngo-2020, ngokuhambisana nesimiso sokuvuselela ibhange. "I-ROST Bank" ayihlangabezi nanoma yiziphi izinkinga manje, izama njalo ukukhokha zonke izimali zayo ezigcinwe imali.

Ukuqaphela ukuhlanzwa kwendle

Njengoba kushiwo ngenhla, isihluthulelo sesikhungo sezezimali sanikezwe "Bank Bin". Uyoba necala lamabhange angu-5 eqembu, okukhulunywe ngenhla. Kumele kuqinisekiswe ukuthi akukona kuphela ukuqeda ubunzima, kodwa futhi nokuthuthukiswa okuqhubekayo kwe-OJSC ROST Bank.

Izinkinga zihlelwe ukuthi ziqedwe ngenani lezimali ezilinganiselwa ku-35.9 billion ruble. Kulesi samba, i-18.4 billion izohlinzeka ngo-0.51% ngonyaka ngenani leminyaka eyishumi. Omunye u-17.5 wezigidigidi wanikezwa ngo-6.01% ngonyaka ngenani leminyaka eyisithupha. "I-ROST Bank" yezinkinga zayo yenza ukuxazulula hhayi kuphela ngokuvuselela kabusha, kodwa futhi ngokuvuselelwa okuphelele kwezinto zokusebenza zikahulumeni. Zonke izenzo zizobe ziqashwe ngokuqinile yikhomishana yeBhange Elikhulu. Uhlaka olunzima lwemisebenzi yasebhange luyisimo esibalulekile sokuvuselelwa. Singasho ukuthi i-ROST Bank ixazululwe inkinga ngeBhange Elikhulu cishe ngokuphelele, manje lihlala lizofakazela ukuthi ithemba elibekwa kulo lizobe lifanele.