"Zlatobank": wongororo. "Zlatobank" rinogumisa?

"Zlatobank" wongororo nomumvuri zvakanaka zvino zvakaoma kuwana nokuda kwayo kusauka, akatanga nhoroondo yaro muna 2008. Iye specialized pakupa rubatsiro rwemari nevanhu uye dzepamutemo masangano. At kukwirira basa rake emari masangano aiva nhengo Association of Ukrainian Banks, aiita somunhu dzakazara nhengo KURUMIDZAI ezvinhu maererano kukura pamutemo guru uye yesangano, nesangano kuva boka mabhanga rechipiri.

Shareholders uye yokupedzisira mishumo

The shareholders kuti masangano zvemari "Zlatobank", wongororo iyo vakazadzwa nehasha chokuita hazvibviri ekupedzisira kusangana ayo aite ezvemari LLC "Avangard-Expo" (97.94%) uye OOO "Agrobudkonsalting" (2.6% rokutambudzikira).

Financial zviratidzi wokutanga chikamu 2015 anoratidza pachena kuti tsika zvemari haana chete matambudziko liquidity, zviri chose sauka. Net purofiti pakati pamahombekombe yokupedzisira nhau nguva yokuvadzidzisa -2.484.474 Hryvnia. Nokutendeka sangano hwaienzanirana -1.973.642 OMR., Apo uwandu zvinhu zvakanga akaenzana 5.877.985 USD. Pano tinogona kutaura uwandu chikwereti, izvo nhasi zvinotipa 7.851.628 USD.

Wokutanga kunyunyuta

The Wongororo chokutanga "Zlatobank" mune zvakaipa nenzira akatanga kuonekwa kurutivi pakati mumatsutso 2014. Massively akadurura rinoshuma kuti bhanga anotyora ezvinhu mubhangi zvibvumirano. Pakutanga, paiva mishumo pokumbononotswa muripo uye kuramba kudzokera dhora deposits.

Papera chinguva kuparadzira mashoko kubva makambani kuti kubhangi zvachose vakarega achivaratidza nzira. Vasingagutsikani vanhu vasingagoni kutora mari dzavo, uye vashandi kubhengi uye anenge vaisagona kutaura zviri kuitika mukati tsika zvemari. On "Zlatobank" inofambiswa kubva vatengi kutsamwa akadurura imwe aval. Vanhu vakataura pamusoro kumisa Billing basa, mhosva anotamisa uye sokunonoka refu vari Payroll uye pensions.

Temporary Kutarisirwa uye kuedza kugadzirisa zvinhu

Mushure kuwanda vasingagutsikane inofambiswa kubva kuruzhinji musi February 14, NBU akatotanga ngaagadze kwekanguva yaitonga. Kugadzwa sezvo musoro aitungamirira nyanzvi kugarwa kuti bhangi insolvency Slavinskiy Valery FGVFL. Zvokungoitawo Administration kwaiitwa munguva kubva 14 February kusvika 13 May 2015 zvichibatanidzwa.

A Mutongo pamutemo kuti tsika mari "Zlatobank", wongororo izvo pasina liquidity matambudziko zvakanga zvakanaka chete, ndiye sauka, vakanga nekanzuru NBU № 105 yomusi 13 February. Panguva kutanga zvokungoitawo yaitonga tsika kuti zvinhu equaled kuna bhiriyoni 7.8 Hryvnia, izvo akapa 28 nzvimbo pakati nyika mabhanga.

Waiva chinodiwa kuti Kuturwa zvokungoitawo yaitonga?

On pakagadzwa "Zlatobank" inofambiswa kubva mudonzvo uye vatengi yagara akanaka. Pamutemo, mhaka kutanga zvokungoitawo Kutarisirwa havana chete pfundepfunde pamusoro chikamu akanyengerwa vatengi, asiwo makambani vakabata ngozi kushandiswa, ayo rwaiitwa musi February 12, pasinei yakaoma Kurambidzwa chikamu regulator. Kutanga matambudziko okutanga uye malfunctions zvakanyorwa mukutanga August. Pasinei nokuti panguva iyoyo paiva nokunyunyuta vatengi chaizvo kashoma, nezvinetso liquidity wakatotora nzvimbo. Izvi zvakaita kuti chisarudzo 19 NBU August kupinda mari nemamiriro Institute curator.

The kuziva dambudziko kubhengi wacho

The pfungwa yokutanga kuti "Zlatobank" akavhara, akatanga kuonekwa munguva mangwanani December. Izvi imhaka yokuti pasinei pakatanga yacho curator, mamiriro ezvinhu emari panguva tsika akaramba kudzikira. December 4, 2014 sangano zvemari kwakaita yakagamuchira mamiriro dambudziko, uye panguva iyi vose nemakasitoma sangano nematambudziko pamusoro pachavo.

The regulator akaisa mberi kwokudiwa kuti shareholders kuvandudza utano kunobatsira, asi matanho rakatorwa urongwa zvemari haana kusanganisira zviito zvainanga mukuvandudza zvinhu. Uyezve, kunyange chirongwa yakanga yakwidzwa kupfungwa zvemari kuti rokuchinjwa neyokupedzisira, uye haana kupedzwa. Pasinei ezvinhu aripo, kuti mudyandigere Fund rweUkraine ave rinoziviswa January 30 kuti kunosvika kondirakiti neboka zvemari kusvikira April 1.

Closed nokuda insolvency

February 13, 2015 akagamuchira pamutemo mashoko kubva nokuvimbisa dhipoziti Fund kuti "Zlatobank" akavharwa. Maererano nemashoko ari sangano panguva yokupedzisira vanenge 115 zviuru deposits kwave wakabudiswa tsika zvemari, zvachose vhoriyamu iro vakasvika mabhiriyoni 4.2 Hryvnia. Under garandi State akasimuka anenge 97,4% kubva depositors.

In chiso kubhangi kuti varidzi vaiva Elena naOlga Yakimenko (mai uye mwanasikana). Vamwe ndibatsireiwo mabhuku chokuudza Leonid Yurushev ukama kubhangi, sezvinoratidzwa yezvakaitika pamusoro avaida hwomukova "Zlatobank". Nepo Yurushev anotengesa kubhengi "Forum" kune vokuGermany, waiva Elena Yakimenko aishanda pambiru pamusoro maneja. Somugumisiro chokwadi kuti "Zlatobank 'liquidity matambudziko uye vasingagoni kusarudza kana pamutemo akava kubhangi rechitanhatu muUkraine muna 2015, iyo yakavharwa kuti insolvency.

Chii vakaedza kuchengeta tsika yerera?

Fund kuti avimbiswa deposits pamberi March 2 vakapedza kugamuchira mapepa kubva zvinogona vanoita, izvo zvinogona kusimbisa kodzero dzavo. The mari arikutsva vanhu vaigona kuuya chevanorwara zvemari ane pamusika imwe zvitatu:

• Mienzaniso kana zvakakwana Kupfururira kuti yesangano kubva kubhangi kuti mitoro kurutivi urongwa zvemari kugamuchira.
• The inotungamirwa uye kutengesa vebato rechitatu bhengi kuchinja kunzwisisa pamwe zvakaparara uye munataisireva.
• Integrated Bank okutengesa.

Nokuti kuti kwacho hakusi kubudirira kusvikira 2 March, muitiro wakanga pamutemo kuratidzirwa 13 nhamba. Maererano nokufungidzira FGVFL, uwandu zvichibvira nekuripira kurasikirwa kwakafanana mamiriyoni 925,47 Hryvnia. Panyaya iyi, uwandu mari musi February 14 kwete chete pamusoro mubhangi, asiwo zvavo nhoroondo totaled mabhiriyoni 3,622 Hryvnia.

Chii nokubatira pamahombekombe basa?

Misa kutya pakati vatengi vakatanga apo wakanaisa pamusoro "Zlatobank" inofambiswa kubva vasingagutsikani vatengi. Deposits regai kupa, regai mibvunzo, iri rinotevera nezvaaiita hakuiti kuzviparadza nhoroondo iri basa - haizi zvose aigona kuwanikwa mashoko. Aval kwehasha akatsanangura ndechokuti rokutanga January 2015, kunyange pamberi wechipiri kuderedza ari Hryvnia, Vhoriyamu deposits akanga akaenzana mabhiriyoni 3.2 Hryvnia. Vanopfuura 81% kubva deposits panguva zvakanzi wakabudiswa dzimwe mari. Sezvataurwa pamusoro apa, nhamba makambani yakasvika 115 zviuru, asi kwete vose vangatarisira kubhadhara. Vatengi zviuru chete 112, bhuku deposits hakuiti 200 zviuru Hryvnia anogona kutarisira kuripwa.

Sechivako uncompensated mipiro zvaisanganisira bhengi simbi deposits, nhamba iro vakasvika 600 miriyoni Hryvnia. Maererano NBU Gengi nyaya haisi shoma pane vanenge 591 kilogram zvinokosha simbi. Financial sangano akatora pasi 3% paminiti annum simbi deposits 50 magiramu, izvo, maererano nomurayiro havasi pasi inishuwarenzi hurumende hurongwa. Kana uchitenda kuti kutaura pakagadzwa "Zlatobank" ongororo, deposits ichi chikamu vaiva chinonyanya kukwezva mune zvemari wokuUkraine kumusika.

Revocation of rwezvemabhengi rezinesi uye liquidation

Institution "Zlatobank" dambudziko zvemari zviri chakakomba zvikuru. Izvi zvinogona kutongwa maererano NBU chisarudzo pasi nhamba 310 yaMay 12, kuvatorera rezenisi iri tsika zvemari. Uyezve, kushandisa chisarudzo pamusoro pakutanga liquidation nzira.

Munyori chisarudzo chaiva utariri pavane inosimbiswa deposits, uye nzvimbo ine liquidator akapiwa Valery Slavinskogo uyo uchanamatira pambiru kwegore, musi waMay 1, 2016, zvichibatanidzwa. Yairevererwa kudzora chevanorwara zvemari richiri vaiva ne Elena Yakimenko.

Tanga kuti kubhadhara muripo njodzi vanoita

Mushure kuwanda mafomu iri pamusoro kuti "Zlatobank" haapi kubuda deposits, vanoita ayo anogona ndisisanetseki. On May 20, 2015 akatanga kubhadhara vatengi kuburikidza mabasa "Oschadbank." The pamutemo Website pamusoro Fund kuti inosimbiswa deposits ruzivo kuwanikwa kuti muripo chichaitwa pamberi 1 July 2015. Kana depositors yacho kubhangi; nokuti chero nezvikonzero, regai kupinda rimwe Fund mutumwa mabhanga kuti nguva asati 1 July, muripo ivo chichaitwa maererano kuongorora munhu akanyorwa mafomu mu FGVFL kero kusvikira nguva dzakadai nhoroondo liquidation ane sangano zvemari haazorambi pamutemo akapinda ari Yakabatana mamiriro Register yokupira masangano chechetere.

Kutanga musi 20 May, vakabata muripo kubhadhara kuti depositors mhiri zvemari zvebhizimisi "Standard", asi chete pasi zvibvumirano, kururama kwemashoko iro yakaguma pamberi 29 April 2015. Akaramba mubhadharo kune midziyo yokuisira ose epurasitiki makadhi uye nhoroondo yokuisira mubhangi. Cash kunogona kuwanikwa kuburikidza muzvigaro "Ukreximbank". Achitendeukira mumwe mapazi Fund navo vanofanira kuva pasipoti uye gwaro kuratidza basa iri kunyoresa nhamba yevanhu vakanga vanyorwa kadhi iri payer kwemitero. Kubhadhara vari abudirira, kufungisisa zvose mubereko kusvikira pamusi kuitwa pakati NBU chisarudzo pamusoro kuremekedza tsika zvemari sauka. Muripo isipo chete depositors avo (anenge mamiriyoni 3 vatengi), kuti dhipoziti mari kwazvo 200 zviuru Hryvnia.