Bank "Yurub", Kaliningrad. Deymaha iyo lacag dhigaal ah. Maxaad burin liisanka?

Muddo markii la joogaba bangiga dhexe fuliya u nadiifisaa qorshaysan ee hay'adaha maaliyadeed ee hadda jira. Isla mar ahaantaana waxa ay ka dhigeysa in ciyaartoyda ugu qiimaha badan iyo rajo. Daciif ah oo aan waxtar lahayn in liiskan ma jiraan nasiib. Wakhtigan, bangiga "Yurub" (Kaliningrad) hoos xakamaysada gacanta kulul u yimid. Waa maxay sababta in dib loo eego liisanka? Waa maxay qaddar ee bangiga?

guud oo kooban oo ka mid ah "Yurub"

Bank "Yurub" bilowday howlaha ay ka Kaliningrad 1991. Markii hore waxaa la odhan jiray "Baltkonversbank". in ku dhow afar sano ah hay'ad maaliyadeed ka dib markii la habayn iyo noqday kuwa loo yaqaan bangiga "Yurub".

Uu mudnaanta waa inay u adeegaan hay'adaha sharciga ah, sidaas darteed ka mid ah macaamiisha bangiga waxay ahaayeen madaxdii qodniinka-, mashiinka-dhismaha, gaadiidka iyo dhismaha shirkadaha waaweyn, iyo sidoo kale macaamiisha shirkadaha in wajiga oo ka mid ah dadka saameynta badan oo ka mid ah magaalada iyo gobolka.

Bank "Yurub" (Kaliningrad): ATM, iyo milkiilayaasha

Ilaa hal dhibic macaamiisha bangiga ahaayeen oo ku saabsan 4,000 oo milkiilayaasha shirkadaha kala duwan iyo shirkadaha waaweyn. Tan iyo markii ay furitaanka ururka si loo hagaajiyo ay heerka adeegga iyo hormariyey ay network laan u gaar ah, oo ka kooban lix waaxaha iyo ku saabsan 29 ATM.

ururada First aasaasay ahaayeen shirkadaha soo socda:

• "Faqina Bank",
• "TsentroVEKS";
• STC "warran";
• "Development Fund ee magaalada";
• VEF "Kaliningrad Itorg".

Laga soo bilaabo December 2012 ilaa iyo bilowgii 2014 saamiga ugu weyn ee hay'ad credit ahaa shirkad saamiyada, ka diiwaan gashan Cyprus "Iluzanion Consultancy Limited". Sidoo kale qeyb ka mid ah saamiyada baanka ee ay leedahay fund hawlgabka non-state "Regionfond" iyo dhawr qof.

Ilaa waqtigan ee bixitaanka ee liisanka "Yurub" 245 meel qaaday in darajayn ee bangiyada by hantida caddaalad. margin faa'iido net ee ururka ahaa 124,6 milyan oo rubles. Isla mar ahaantaana saamiga caddaalad u dhiganta 980 milyan oo rubles, iyo qadarka hantida - 9,84 billion rubles. Waa sidaas oo deggan iyo rajo ahaa bangiga "Yurub" (Kaliningrad). Noqonayo liisanka ee hay'ad maaliyadeed waxaa ku jiray December 2014. Waa maxay sababta? Oo bangiga taas oo horseeday in cawaaqib maxay?

Maxaad burin liisanka ee bangiga?

Sababaha noqosho ah liisanka "Yurub" ka bangiga yar. Mid ka mid ah iyaga ka mid ah waa dhibaatooyinka dhaqaale ee "Investbank", taas oo, qaab daran oo ku filan, ayaa saameyn ku yeeshaan dhammaan ururada gobolka.

At Wararkii waqti isku mid ah oo ku saabsan xaqiiqada ah in hay'adaha badan oo dhaqaale ee Kaliningrad iyo gobolka ayaa sidoo kale sugaya aayaha xaalad cakiran. Sidaas darteed, hoos daaqadaha inta badan hay'adaha credit ah, oo ay ku jiraan bangiga "Yurub" (Kaliningrad), waxaa jiray dadkii badnaa ka mid ah bankiga ugu welwelina.

Sababtoo ah sida a wakiilada bangiga rush weyn lagu qasbay in ay qarka u saaran xadka maalin kasta ee $ 10 000, si loo yareeyo xoogga caadifadaha iyo in la yareeyo dheecaanka caasimadda. Si kastaba ha ahaatee, kuwaas oo tallaabooyin aan caadi ahayn aysan ku caawin: qulqul ee maalgashadayaasha ayaa ganacsiga iyo wax xasiloonida "Yurub" gariirin.

Sababta labaad waxaa loola jeedaa jaangooyaha laftiisa, tilmaamayo siyaasadaha khatarta sare ee ururka, xanuunada anshaxa, iyo gelinaya xeerarka warbixinta la qorsheeyey, iyo sidoo kale maqnaanshaha bangiga in ay bixiyaan daynka biilasha. Sida laga soo xigtay warbixin hordhac ah, bangiga "Yurub" (Kaliningrad) ahayd ayaa qarka u saaran inuu kaco, sida ay leeyihiin dheelitirka xun (1.3 billion rubles).

Waa maxay cawaaqibka ka bixitaanka ee liisanka ee bangiga?

Ka dib kala noqotay ruqsaddii oo ka mid ah maamulka ku meel gaarka ah "Yurub" waxaa la aasaasay jaangooyaha, bangiga oo ilaa for xaraashka, iyo "Deposit Insurance Agency" ku soo laabtay maal hay'ad maaliyadeed oo ku saabsan 3.7 billion rubles.

Yaa iibsaday ah "Yurub" qiimo baayactan ah?

Bishii January ee sannadkii hore, bangiga "Yurub" (Kaliningrad) ayaa helay by Bank "Saint-Petersburg", gudaha iyo soddon hay'adaha maaliyadeed ugu saameynta badan oo ugu weyn ee Russia. Gadashada kharashka Bank poluobankrotivshegosya in iibsadaa at 625 million rubles.

Maxaa ku dhacay ee macaamiisha "Yurub"?

Bishii Janaayo ee sannadkan, iibsadaha ah ayaa dhammaan dhinacyada sharciga ah, iyo ugu dambeyntii noqday milkiilaha buuxa fuliya oo ka mid ah "Yurub". Gaar ahaan, ka dib iibka ah ee bangiga qaaday kibirka oo meel in line of network laan ka mid ah bangiga "St. Petersburg" ah. Madaxiisu ahaa gudoomiyii hore ee hay'adda credit mar kobcaya, laakiin hadda kacday Dmitri Danilov. Taa baddalkeeda, dhammaan macaamiisha hore "Yurub" ayaa si deg deg ah wareejiyo si ay hawsha bangiga "St. Petersburg".

Waxaa intaa dheer, goobta of bangiga "Yurub" (Kaliningrad) uusan waxba iska badalin magaca domain iyo dhowaad ma aragga bedelay. Wuxuu la mid ah sida ay ahayd ku hadhay. Laakiin on goobta hore u socda oo ku saabsan "Saint-Petersburg".

Waa maxay waxyaabaha credit ay bixiyaan bangiga "St. Petersburg"?

Waqtigan xaadirka ah, Bank "Saint Petersburg" waxay bixisaa amaahda macaamiisha shirkadaha iyo shakhsiyaadka. Tusaale ahaan, muwaadiniinta caadiga ah codsan kartaa bestselevoy "Mushaarka" (ilaa 1.5 million rubles), "Classic" (750 000) ama "Affiliate" amaah (50 000-750 000). Heerka dulsaarka barnaamijyada sida bilaabantaa 17.5%.

Waxay bixisaa bangiga "Yurub" (Kaliningrad) deyn hore iyo macaamiisha shirkadaha. Tusaale ahaan, wakiillo ka socda shirkadaha yar yar, dhexdhexaad iyo ballaaran ka heli kartaa credit ee daahfurka iyo horumarinta ganacsiga. Waxaa ka shaqeeya deyn amaaheed, la siiyo maal-gashiga iyo shaqada ee amaahda caasimadda.

Intaa waxaa dheer, adeegga shakhsi sameeyey ganacsatada, fuliyay adeegyada dejinta iyo lacag caddaan ah, waxay bixisaa maaliyadda iyo bangiyada ganacsiga fog.

Maxaa tabarucaadka loo soo saari karaa bangiga "St. Petersburg"

Waxa intaa dheer in barnaamijyada amaah jiidasho, waxay bixisaa Bank hore kayd "Yurub" (Kaliningrad) in lacagta qaranka iyo kuwa shisheeye. Tusaale ahaan, barnaamijka "Deposit Online" waxay bixisaa lacag bixinta oo xiiso at maturity, dulsaar ah ee 10.4% sannadkii, sidoo kale fursad u doortaan shaqsi ahaan, ama muddo go'an. qaaraan kale oo ah "Prestige" soo jeedinaya heerka dulsaarka biloodba mar lacag ah 9.2%, waxaa macquul ah lacag dovnosit on deposit.

"Istiraatijiyadda" waxay bixisaa lacagta oo xiiso at maturity, awood u leh inay dovlozheniya lacagaha, iyo sidoo kale heerka 10% sannadkii.

"Mushaar Kii saddex iyo tobnaadna" - barnaamij loogu talagalay milkiilayaasha kaararka mushaharka. Waxay ku lug leedahay xaraf bil oo xiiso leh, awood u leh inay tabarucaad dheeraad ah, dulsaarka ah 8.5%.

Sidoo kale, waxaa jira kayd kale "Pension", "istiraatiijiyad", "On Baahida", "Run" iyo "rentier".

Waqtigan xaadirka ah, Bank "Saint-Petersburg" waxay bixisaa adeegyada ganacsiga, shaqsiyaadka gaarka ah iyo macaamiisha shirkadda. Waxaa ka codsan kartaa qof kasta oo deggan Kaliningrad iyo gobolka.