"Zlatobank": ndemanga. "Zlatobank" atseka?

"Zlatobank" ndemanga ndi mthunzi wabwino umene panopa amavutika kupeza chifukwa bankirapuse ake, anayamba mbiri yake mu 2008. Iye makamaka kupereka ndalama kwa anthu ndi mabungwe alamulo. Kutalika kwa ntchito yake mabungwe a zachuma anali membala wa Association of Banks Chiyukireniya, anachita membala zonse kunachitika a dongosolo OFULUMIRA malinga ndi kukula kwa likulu zolimbana ndi chuma, bungwe a gulu lachiwiri la mabanki.

Ma sheya hoda ndi malipoti komaliza

The ma sheya hoda mabungwe a zachuma "Zlatobank", ndemanga amene ali odzazidwa ndi mkwiyo mogwirizana ndi chosatheka yotsirizira kuti akwaniritse udindo wake ndalama LLC "Avangard-Expo" (97.94%) ndi OOO "Agrobudkonsalting" (2.6% mtengo).

zizindikiro ndalama kotala choyamba cha 2015 akusonyeza kuti bungwe chuma ali ndi mavuto ndi liquidity, ndi insolvent kwathunthu. Net phindu wa banki zomalizira nyengo malipoti anakwana -2.484.474 hryvnia. Lopita bungwe wolingana -1.973.642 UAH., Pamene kuchuluka kwa chuma anali wofanana 5.877.985 USD. Apa ife tikhoza kutchula kuchuluka kwa ngongole, zimene lero liri 7.851.628 USD.

Amadandaula loyamba

The ndemanga loyamba "Zlatobank" mu njira zoipa unayamba kuonekera kwa pakati pa chaka cha 2014. Massively anatsanulira inati gombe akuphwanya zinthu zimenezi gawo. Poyamba, panali malipoti kuchedwa mu malipiro ndi kukana kubwerera madipoziti dollar.

pang'ono Patatha kufalitsa mauthenga ochokera ndalama kuti banki palimodzi anasiya njira opereka. anthu amakhumudwa sindikanakhoza kutenga ndalama zawo, ndi antchito banki ndi pafupifupi sanathe kulankhula za zimene zikuchitika mu bungwe ndalama. Pa "Zlatobank" mayankho ochokera makasitomala mkwiyo anatsanulira chigumukire. Anthu analankhula za utumiki amasiya zolipiritsa, vuto mu anasamutsidwa ndi kuchedwa yaitali mu kopeleka malipiro ndi penshoni.

Dongosolo kanthawi ankafuna muzikonza

Patapita kuchuluka yaikulu mayankho ochokera amakhumudwa anthu NBU kale February 14 akapitawo makonzedwe zosakhalitsa. Anaikidwa kukhala mutu wa katswiri kutsogolera ndi kuthetsa banki insolvency Slavinskiy Valery FGVFL. The Administration wogwirizira anali ukugwirira ntchito mu nyengo ya ku 14 February 13 May 2015 palimodzi.

A chisankho ofunda kuti dongosolo la zachuma "Zlatobank", ndemanga amene sitili pa mavuto liquidity anali wabwino yekha, ndi insolvent, anali ochokera ku NBU № 105 pachibwenzi 13 February. Panthawi oyamba utsogoleli wogwirizira wa chuma kosamalira ndi inde ndipo sipadzakhalanso biliyoni 7,8 hryvnia, zomwe 28 malo mwa gombe la dzikolo.

Icho chinali chofunika oyamba a boma wogwirizira?

Pa kukhazikitsidwa kwa "Zlatobank" mayankho ochokera ndodo ndi makasitomala nthawizonse wakhala ali positive. Yokhala, chifukwa cha kubwera kwa oyang'anira wogwirizira sanali kuipidwa yokha ya makasitomala kunyengedwa, komanso ndalama akugwira ntchito yowopsa, amene anachitika pa February 12, ngakhale chiletso okhwima ya yang'anira lapansi. Chiyambi cha mavuto oyamba ndi malfunctions analembedwa oyambirira August. Ngakhale kuti nthawi kuti panali madandaulo kuchokela makasitomala kawirikawiri, mavuto ndi liquidity kale malo. Izi zinachititsa kuti chigamulo cha NBU August 19 alowe mu dongosolo la ndalama la Institute curator.

Kuzindikira vuto banki a

Njira yoyamba kuti "Zlatobank" anatseka, adayamba kuwonekera oyambirira December. Ichi ndi chifukwa chakuti ngakhale kumayambiriro curator ndi, vuto la zachuma pa bungwe anapitiriza iwonongeke. December 4, 2014 bungwe ndalama walandira udindo boma la vuto, ndipo nthawi imeneyi onse makasitomala gulu anakumana ndi mavuto okha.

The yang'anira waika patsogolo kufunika kwa ma sheya hoda kuti patsogolo thanzi la kalembera, koma Zimene bungwe ndalama sanalembe zochita umalimbana kuwongolera zinthu. Komanso, ngakhale dongosolo limene anali kutsatira bungwe ndalama kwa konzanso wa yamasika, ndipo sanali ikuchitika. Ngakhale ziriri pano, ndi thumba penshioni ya Ukraine ali mwalamulo analengeza January 30 kuti amawapatsa mgwirizano ndi kampani ndalama mpaka April 1.

Tatseka chifukwa insolvency

February 13, 2015 analandira mawu boma ku thumba kungakupatseni dipo "Zlatobank" anatseka. Malinga n'kuŵerengera bungwe pa nthawi ya kutseka za 115 zikwi za madipoziti wakhala inakhazikitsa kosamalira chuma, buku okwana amene analipo biliyoni 4.2 hryvnia. Pansi chitsimikizo State nawo pafupi 97,4% ya depositors.

Mu nkhope ya eni banki anali Elena ndi Olga Yakimenko (mayi ndi mwana wamkazi). Ena magwero zosavomerezeka analemba Leonid Yurushev ubwenzi ndi banki, umboni ndi zochitika zimene zinachitika madzulo a kutsegula "Zlatobank". Ngakhale Yurushev amagulitsa banki "Forum" ku Germany, amene anali Elena Yakimenko ntchito pa manijala positi pamwamba. Chifukwa chakuti "Zlatobank 'liquidity mavuto ndipo sanathe kusankha ngati iye mwalamulo anakhala banki chimodzi mu Ukraine mu 2015, zomwe zinali kutsekedwa kwa insolvency.

Kodi anayesera kusunga zokakamiza wolimba?

Fund wa madipoziti kungakupatseni pamaso March 2 anakhala kulandira zolembedwa kwa ndalama osiyanasiyana, amene anatha kuchitira umboni Choyenereza awo. The thumba ndi kufunafuna mwachangu anthu amene angakubwezereninso bungwe chuma ndi msika mu imodzi mwa njira zitatu:

• Tsankho kapena wathunthu kupatuka ya chuma ya maudindo banki ndi cha bungwe kulandira ndalama.
• Mapangidwe ndi kugulitsa lachitatu banki phwando kusintha zovuta ndi katundu onse ndi ngongole.
• Integrated Bank zogulitsa.

Chifukwa chakuti ndondomeko si bwino mpaka 2 March, ndondomeko chinapatsidwa mphamvu yokhala anawonjezera kuti manambala 13. Malinga ndi ziwerengero FGVFL, malipilo zotheka imfa Matanthawuzo miliyoni 925,47 hryvnia. Pankhaniyi, kuchuluka kwa ndalama pa February 14 osati pa gawo, komanso pa nkhani wamba totaled biliyoni 3,622 hryvnia.

Kodi maudindo a banki anatsanzika?

Misa chipwirikiti pakati makasitomala anayamba pamene mvula pa "Zlatobank" mayankho ochokera makasitomala chikuyenda. Madipoziti musataye, musati kuyankha mafunso, m'kupita lotsatira la ntchito si kuthera chifukwa ndi utumiki - izo si onse amene anali mu ndemanga. Chigumukire mkwiyo anafotokoza chifukwa chakuti woyamba wa January 2015, ngakhale pamaso wachiwiri devaluation a hryvnia, ndi buku la madipoziti anali wofanana biliyoni 3.2 hryvnia. Zoposa 81% ya madipoziti pa nthawi unayambitsidwa ndalama zakunja. Monga tanena, chiwerengero cha ndalama anafika 115 zikwi, koma si onse angayembekezere kulipira. makasitomala Only 112 zikwi, voliyumu ya madipoziti si upambana 200 zikwi hryvnia angayembekezere chipukuta misozi.

Kapangidwe ka zopereka uncompensated m'gulu zitsulo madipoziti banki, chiwerengero cha amene analipo 600 miliyoni hryvnia. Malinga ndi NBU kusinthitsa ndalama nkhani si zosakwana za 591 kilogalamu wa chitsulo chabwinocho. bungwe Financial anatenga pansi 3% pa annum zitsulo miyala ya magalamu 50, amene, malinga ndi lamulo sali pansi dongosolo boma inshuwalansi. Ngati inu mukukhulupirira kuti akulankhula za kukhazikitsidwa kwa "Zlatobank" ndemanga, miyala ya izi gulu anali wokongola kwambiri mu ndalama msika Chiyukireniya.

Revocation chiphatsocho wa banki ndi liquidation

Institution "Zlatobank" vuto ndalama kwambiri. Izi zikhoza kuweruzidwa molingana ndi zochita NBU pansi nambala 310 ya May 12, kuti asinthe chiwembu chiphatso wa bungwe ndalama. Komanso, anatengera zochita pa chiyambi cha ndondomeko liquidation.

Mlembi chigamulochi panali thumba kasamalidwe madipoziti kungakupatseni ndi udindo wa liquidator ndi wapatsidwa Valery Slavinskogo amene adzakangamira positi kwa chaka chimodzi, pa May 1, 2016, kuphatikiza. Nkhoswe ulamuliro wa bungwe chuma ndi wokwatibwa ndi Elena Yakimenko.

Yambani ndalama za chipukuta misozi kwa ndalama zomwe zinkakhala

Pambuyo nambala yaikulu ntchito ndi za "Zlatobank" Kodi chisathe madipoziti, ndalama yake potsiriza kumasuka. Pa May 20, 2015 anayamba kulipira makasitomala mwa maudindo a "Oschadbank." pawebusaiti yovomerezeka ya Fund wa madipoziti kungakupatseni zomwe amapeza kuti malipiro kuchitika pamaso 1 July 2015. Ngati depositors ya gombe, pakuti chirichonse zifukwa, musapatuke ku umodzi mwa Fund mabanki wothandizila kwa nthawi isanafike 1 July, malipiro iwo idzachitike pamaziko a kuona ntchito munthu olembedwa FGVFL adiresi mpaka nthawi monga umboni wa liquidation wa bungwe ndalama sadzakhala mwalamulo analowa mu Wonse boma Register a mabungwe alamulo mlingo.

Kuyambira pa 20 May, unachitikira malipiro chipukuta misozi kwa depositors kudutsa ogwira ntchito ndalama "Standard", koma pansi mapangano, ndi n'loonadi imene inatha pamaso 29 April 2015. Anapitiriza malipiro kwa ogwirizira a makadi pulasitiki ndi zopalira nkhani za kubanki. Cash akhoza analandira mwa maudindo a "Ukreximbank". Kutembenuza mmodzi wa nthambi mwa ophatikidzana Fund ndi iwo ndi pasipoti ndi chikalata kutsimikizira ntchito chonse chiwerengero chonse khadi la wolipira msonkho. Ndalama zikugwiritsidwa bwinobwino ikuchitika, kutenga nkhani zonse chidwi mpaka tsiku la kukhazikitsidwa kwa chisankho NBU ankazindikira wa bungwe ndalama insolvent. Malipilo palibe okha depositors anthu (pafupifupi 3 miliyoni makasitomala), gawo kuchuluka kuposa 200 zikwi hryvnia.