Bank "yaseYurophu", Kaliningrad. Mboleko kunye needipozithi. Kutheni mvume ichithwe?

Ukususela kumaxesha ngamaxesha yibhanki eyongameleyo uwugcinayo ihlanjululwe awayecwangcisiwe amaziko zemali ekhoyo. Ngelo xesha seliphumile abadlali zexabiso kunye zithembisa. Amandla kunye ezingenanzuzo kolu luhlu akukho lucky. Ngeli xesha, ibhanki "European" (eKaliningrad) wafika phantsi isilawuli kwesandla eshushu. Yintoni isizathu sokuba kwakhona mvume? Kwaye yintoni ke bayahlelwa yebhanki?

imvelaphi emfutshane "European"

Bank "yaseYurophu" uqale imisebenzi yayo eKaliningrad ngo-1991. Ekuqaleni yayibizwa "Baltkonversbank". Emva emine kweminyaka yeziko mali ukuba uhlelwe yaye yaziwa ngokuba ibhanki 'yaseYurophu ".

ephambili yakhe ukukhonza amaqumrhu asemthethweni, ngoko phakathi abathengi ze ebhankini iintloko kwiinkampani metallurgical, umatshini-isakhiwo, ezothutho kunye nolwakhiwo elikhulu, kwakunye ezinkampani ebusweni babantu owaziwayo phakathi komzi kunye mmandla.

Bank "yaseYurophu" (eKaliningrad):-ATM, abe umninizo enempumelelo

Ukuya kwindawo abaxumi lebhanki babesele 4,000 abanini zeenkampani ezahlukeneyo kunye neenkampani ezinkulu. Kusukela lokuvula umbutho ukuphucula umgangatho walo nkonzo kwaye siphuhlise network yayo yesebe, nto leyo ubunjwe kumasebe omathandathu kanye ATM malunga 29.

imibutho Okokuqala waliseka na iinkampani zilandelayo:

• "Xoxa Bank";
• "TsentroVEKS";
• STC "Yazisa";
• "Development Fund isixeko";
• VEF "eKaliningrad Itorg".

Ukususela ngoDisemba 2012 de ekuqaleni kuka-2014 i-zabelo iphambili yeziko yemali "Iluzanion Consultancy Limited" izabelo yinkampani, ebhalisiweyo eSipro. Kwakhona inxalenye kwizabelo ibhanki leyo eziphethwe yi pension fund non-karhulumente "Regionfond" kunye nabantu abambalwa.

De kube mzuzu zokurhoxa-mvume "yaseYurophu" wathabatha 245 indawo simo kweebhanki yi asethi equity. imajini inzuzo net kwi mbutho million 124,6 engange. Ngelo xesha linye isabelo equity ingqamana million 980 engange, yaye isixa-asethi - 9,84 billion engange. Kuyinto ukuzinza kwaye bethembisa yaba ibhanki "European" (Kaliningrad). Ukuyirhoxisa loo layisenisi eli ziko-mali kwaba ngoDisemba 2014. Yintoni na isizathu? Ke ukuba ibhanki leyo eyakhokelela ekubeni yintoni imiphumo?

Kutheni ukubuyisa mvume ye ebhankini?

Izizathu ukurhoxiswa ilayisenisi 'yaseYurophu "evela ebhankini ezimbalwa. Enye yazo iingxaki zemali "Investbank", leyo, Isimanga, oye phantse yonke imibutho zaloo mmandla.

Ngelo ngamarhe xesha malunga yokuba amaziko amaninzi zemali eKaliningrad kunye mmandla kwakhona ekhangela nxi yaseXhora. Ngenxa yoko, phantsi iifestile ezininzi amaziko amatyala, kuquka i "yaseYurophu" ebhankini (eKaliningrad), kwakukho izihlwele abagcinisa nexhala.

Ngenxa yokuba nabameli yebhanki rush onjalo enkulu kwanyanzeleka ukuba umise umda imihla $ 10 000, ukwenzela ukunciphisa iimvakalelo kunye nokunciphisa nencindi eyinkunzi. Noko ke, la manyathelo obungaqhelekanga nga banceda; yokufika abatyali yenze ishishini kunye nezinto uzinzo "yaseYurophu" ezingenakuzanyazanyiswa.

Isizathu sesibini libhekisela umlawuli ngokwayo, ibhekisela-nkqubo ophezulu umngcipheko lombutho, ihambo ukuphazamiseka, kwaye nokubeka imigaqo ingxelo ezicwangcisiweyo, kwakunye nokungabikho ibhanki ukuhlawula amatyala amatyala. Ngokutsho ulwazi lokuqala, ibhanki "European" (eKaliningrad) kwaba esengozini ezikweletini, njengoko kukho ungqinelwano ezimbi (1.3 billion engange).

Yiyiphi imiphumo ukurhoxiswa kwelayisenisi ye ebhankini?

Emva kokuba ukurhoxiswa kwelayisenisi ye lolawulo wethutyana "yaseYurophu" lasekwa komlawuli, ibhanki esasikwifandesi, yaye "Arhente Insurance Idiposithi" wabuyela kubatyali iziko zemali malunga 3.7 billion engange.

Othenge i "European" ngexabiso nithengisa a?

NgoJanuwari wonyaka ophelileyo, ibhanki "European" (eKaliningrad) safunyanwa Bank "Saint-Petersburg", ngaphakathi kumaziko anempembelelo enkulu yemali amathathu eRashiya. Ukuthenga ixabiso poluobankrotivshegosya Bank kumthengi kwi kwizigidi 625 engange.

Kwenzeka ntoni "yaseYurophu" abathengi?

NgoJanuwari kulo nyaka, umthengi tywa yonke imiba yomthetho, yaye ekugqibeleni waba umnini yinxalenye i "yaseYurophu". Ngokukodwa, emva kokuba kuthengwe ebhankini wathabatha iqhayiya indawo uhlelo uthungelwano isebe lebhanki "St Petersburg". Intloko yakhe usihlalo owayesakuba iziko lamatyala kanye achumayo, kodwa ngoku yimali Dmitri Danilov. Ngenxa yoko, bonke abathengi awayesakuba "yaseYurophu" ngokukhawuleza zidluliselwe inkonzo ebhankini "St Petersburg".

Ngaphezu koko, ukuma kwalo ibhange "European" (eKaliningrad) hayi itshintshe igama layo domain kwaye phantse hayi visually zatshintsha. Wahlala njengoko kwakunjalo. Kodwa siza asele ethathiwe malunga "Saint-Petersburg".

Ziziphi izinto credit ezinikezwa yibhanki "St Petersburg"?

Okwangoku, iBhanki "Petersburg Saint" inikeza mboleko ukuya lweeklayenti ezikushishino kunye nabantu. Ngokomzekelo, abemi abaqhelekileyo isicelo bestselevoy "lomvuzo" (ukuya kwi 1.5 million engange), "Classic" (750 000) okanye "lobulungu" mboleko (50 000-750 000). Umlinganiselo wenzala ngeenkqubo ezinjalo luqala ngo-17.5%.

Inikela ibhange "European" (eKaliningrad)-mboleko kunye lweeklayenti ezikushishino bangaphambili. Umzekelo, abameli kumashishini amancinci, aphakathi kunye ezinkulu ungafumana adunyiswe ukufunyanwa kunye nophuhliso loshishino. Isebenzisa mboleko ebhankini, ukuba utyalo-mali kunye nokusebenza mboleko eyinkunzi.

Ukongeza, inkonzo wena wenza oosomashishini, wenziwe iinkonzo zokuhlala kunye nemali, inika yimali yorhwebo kunye zebhanki kude.

Yiyiphi iminikelo ingakhutshwa ebhankini "St Petersburg"

Ukongeza kwiinkqubo mboleko enomtsalane, oko inikeza (eKaliningrad) iidipozithi yangaphambili Bank "yaseYurophu" kwi lwemali kazwelonke amazwe. Umzekelo, inkqubo "Idiposithi Online" unika intlawulo nenzala oqolileyo, ngomyinge wenzala we 10.4% ngonyaka, kwakunye ukhetho ukukhetha umntu, okanye ixesha eliqingqiweyo. Enye igalelo "Ebantwini" icebisa ngekota umyinge intlawulo inzala ka-9.2%, kungenzeka dovnosit imali ebhankini.

"Zephephandaba" unika nokuhlawulwa nenzala oqolileyo, ukukwazi dovlozheniya mali, kwakunye nezinga kwi-10% ngonyaka.

"Umvuzo yeshumi elinesithathu" - inkqubo eyilelwe kosomashishini amakhadi yemivuzo. Oku kubandakanya capitalisation ngenyanga umdla, ukukwazi ukwenza ezongezelelweyo iminikelo, umyinge wenzala ka-8.5%.

Kwakhona, kukho ezinye iidipozithi "Pension", "qhinga", "On Demand", "Baleka" yaye "rentier".

Okwangoku, iBhanki "Saint-Petersburg" ubonelela ngeenkonzo kwishishini, abantu zabucala kunye lweeklayenti ezikushishino. Kunokuba isicelo wonke umntu ohlala eKaliningrad kunye mmandla.