Ukuphonononga ngebhanki "Imali kunye nekhredithi", amazwana abathengi

Ukuqala ukuphonononga uphononongo malunga nebhanki "Imali kunye nekhredithi", kuyafaneleka ukuqala ngemvelaphi encinane. Isebe lezemali laqala ukuhlala ngoJuni 19, 1990. Ekuqaleni, iziko libhaliswe ngokusemthethweni yibhanki yelizwe yase-USSR njengebhanki yezorhwebo yase-Ukraine. Kwiminyaka emihlanu, ngo-Oktobha 13, 1995, iqumrhu lafumana igama layo langempela waza waba yibhishini loshishino "lwezeMali kunye neNtengo".

Imbali yomsebenzi

Inkunzi-mali egunyazisiweyo yebhanki ngo-2006 yayilingana ne-biliyoni ye-hryvnia. Ngo-2007, umbutho wawuthola uhlobo olutsha lobunikazi kwaye lwaba yinkampani ejongene nemfanelo. NgoJulayi 2011, kwagqitywa isigqibo sokunyusa igosa eligunyazisiweyo leziko lemali nge-hryvnia million yezigidi. Ngo-2009, isikhungo sinesimo senkampani yokubambisana, kwaye kwintloko yayo yayinguVladimir Khlyvnyuk, owayeyaziwa njengomphathi ophezulu ophezulu kwibhanki yase-Ukraine.

Kuyo yonke imbali ebanzi yokuhlaziywa kwebhanki "Imali kunye nekhredithi" yashiya ingcamango ehle malunga neziko, njengoko lizalisekisa ngokuzizalisekisa izibophelelo zalo. Ukuqinisekiswa okugqibeleleyo koku kuhlolwe ngo-2011 ukusuka kwinqanaba le-credit-Rating, elibonelele isiko kwinqanaba lotyalo-mali lweBBBB. Ubungqina obuzinzile. NgoFebruwari 2012, ii-asethi zeNkampani ziyi-UAH 22,877,292 yezigidigidi.

Imbali ebalulekileyo kunye nokuthatha inxaxheba kwimibutho yehlabathi

Ekuqaleni konyaka ka-2014, isikhungo semali "iMali kunye neNgxowa-mali" sinokuziqhayisa ngegama layo elihle. Amashishini aseBhanki axhasa umlingani wakhe, njengoko wayemkhulu, kwaye kubaluleke kakhulu ngokubaluleka kwaye ngokufezekisa izibophelelo zakhe. Ukubonelela iinkonzo kubantu ngabanye kunye nemibutho esemthethweni, wenza njengelungu loMbutho wamaBhanki ase-Ukraine kwaye wayelungu le-Ukrainian Stock Exchange, i-PFTS kunye ne-Kiev Banking Union.

Ubulungu bwenzeka kwiinkqubo zezizwe ngezizwe eziqhelekileyo njenge-VISA International kunye ne-MasterCard International, i-Western Union, i-PARD ne-AVERS. Ngokubhekiselele kubukhulu bemali elawulayo, isikhungo sasiyinxalenye yokuqala yeebhanki. Njengangaphambili, i-Ascania LLC (i-45.92% yezabelo) kunye ne-PJSC F & C Realty (41.58% yezabelo) zihlala zabanikezeli-zimali beSiko njengangaphambili. Umxhamli oyintloko ngummeli-shishini waseMukraine kunye noSekela likaPhovisi uKenstantin Valentinovich Zhevago.

Ummandla wezezimali ebhankini

Nangona igosa lemali liyaqhubeka nokusebenza, ukuphononongwa malunga nebhanki "iMali kunye neNgxowa-mboleko", eyaziwa ngokugqithiseleyo ngegama elibi, bonisa imeko echaseneyo. Ngokuhambelana nokusebenza kwemali kwintlanganiso ngo-Matshi 2015, ii-asethi zayo zilingana ne-41,470,386 yee-hryvnia. Umthamo wamatyala ngowama-39,183,614 i-hryvnia, kwaye ukulingana kwabanini-mali banqamle kwi-hryvnia engama-2,286,773. Cinga nje yenza ukuba inzuzo yenzuzo, enokubakho ulwazi olutshanje lufikelela kwi-715 777 hryvnia.

Abathunywa bokuqala beengxaki

Ukuphononongwa kokuqala malunga nebhanki "yezeMali kunye neNgxowa-mali", eveze ulwazi malunga nokukhanyela ukuzalisekisa izibophelelo zeziko lemali phantsi kwezivumelwano zediphozithi, zaqala ukuvela ekuqaleni kuka-2015. Abathengi bebhanki abazange baphendule ngokukhawuleza kwimeko, ukubheja ukuba izinga leedola, eliye laphakama ngokukhawuleza ngelo xesha, linyanzele imibutho eminingi evela kwicandelo lezemali ukuba iphinde iqwalasele kwakhona umgaqo-nkqubo wokusebenza.

NgoFebruwari 2015, inani labantu abanganelisekanga ngomsebenzi webhange landa ngamashumi okanye ngamakhulu amaxesha. Iziganeko ezizimeleyo ziphendule into echanekileyo. Ukuba ekuqaleni abantu bathi ibhanki likhawuleza ukulibazisa iintlawulo kwiimali eziliqela okanye ukunikezela ixesha elongezelelweyo kwimimiselo efanelekileyo, namhlanje iintlawulo zityalwa, kwaye abasebenzi beziko lemali bathi akukho mali.

Yintoni eyinkimbinkimbi yimeko?

Akusiyo imfihlo kunoma ubani ukuba amaziko amaninzi eemali zaseUkraine ajongene neengxaki ezithile ngokuphathelele imeko yezoqoqosho kwihlabathi. Abanye babo bavakalisa ngokusemthethweni ukutshatyalaliswa kwabo, abanye babenqatshelwe ilayisenisi. Ngokubhekiselele kwimiba echaphazelekayo, singatsho ukuba amasebe ebhanki "ezeMali kunye neTyala" avaliwe ngokupheleleyo kulo lonke ilizwe. Iziko lezemali, ngenxa yeengxabano kunye neRashiya, yalahlekelwa yimali eninzi ngenxa yokuphuka ngokubambisana nabatyalo-mali baseMoscow naseMoscow.

Igalelo lakhe kule meko lazisa ukuphuma okukhulu kwenkunzi ngenxa yokwesaba phakathi kwabathengi abazama ukuhoxisa imali yabo kwintlangano ngokukhawuleza. Okwangoku, nangona ibhanki ingagqibekanga imbopheleleko yayo kwixabiso elincinci, inkokheli yalo ithi imeko ihamba ngokukhawuleza. Kwaye i-NBU ayikhawulezi ukuba ithumele umgcini kwintlangano, kuba yena ngokwakhe uxhasa iziko lemali.

Imivuzo kunye nokunganeliseki

Ukuchithwa kwebhanki "iMali kunye neNgxowa-mboleko", ngokwemininzi yabathengi bayo, ayikude. Ipesenti enkulu kakhulu yabantu bathi ngaphambi kokuqala kwenkqubo yokucinywa, ihlala isuka kwiinyanga ezintandathu ukuya komnye. Umxhamli weziko kunye ne-asekela wase-Ukraine, uZhevago, uchaza ngokucacileyo ukuba iziko lezemali alinayo nayiphi na ingxaki kwaye akukho mngcipheko weempembelelo ezingenakuguquka. Izinto ezisele zenziwe kumakhasimende anganelisekanga zihlala ziyimfihlakalo. Abantu abangaboni imirhumo yabo ngokwemiqathango esekwe zizivumelwano, babuthele kwaye baququzelele iireglili kunye neembhikisho. Iziganeko zenziwa kunye nokubandakanyeka kweendaba ezisasazwa kungekuphela kweNBU eKiev, kodwa nakwii-Ukraine zonke.

Bububi obungenakwenzeka ngaphambili

Ukongeza kwinto yokuba zonke iiphozithi zebhanki "ezeMali kunye neNgxowa-mali" zichithwe kwaye zingenakufikeleleka kubanikazi babo, abaninzi abantu bathetha ngokunyaniseka kwabasebenzi bentlangano. Ngokufanelekileyo kukho iingxelo ukuba iiofisi azikwazi ukunika impendulo ngqo kwiyiphi na imibuzo malunga neentlawulo. Kukho ubungqina bobugwenxa obungabonakaliyo kubantu abazama ukubuyisela iifomethi zabo ezisemthethweni. Ukunyanzeliswa ngokupheleleyo kwabathengi akuyona into embi kakhulu, ukuba ukholelwa kwizibuyekezo ezininzi.

Musa ukudlulisa inguqulelo

Ukongeza kwinto yokuba i-NBU ayengayifumanga ngokusemthethweni ukutshatyalaliswa kweMali kunye neBhanki yeNgxowa-mali kwaye ayizange iqalise ulawulo lwesikhashana ukuze kulungiswe imeko kunye nabatyalo-mali ngale ndlela, ngokutsho kwabaxumi, kukho ezinye izono emva kwesi sikhungo. Ngoko, ngokungabikho abemi abalishumi abakhohlisayo abashiya izimvo zabo kwi-intanethi, ibhanki ithatha ukudluliselwa kwemali, kodwa ayiziphathe. Abanye abathengi bathi iziko ezifana neMali kunye neBhanki yeBhanki isebenza ngokungafanelekanga. Ukutshintshela kumaqabane amashishini asemthethweni, nangona kunjalo, imali kwi-addressee ngesizathu esithile ayizange ifinyelele. Ngaphezu koko, abazange babuyiselwe kumnini wabo. Ngenxa yoko, ukulahlekelwa ngamaqabane aphesheya angaphandle kunye nelahleko kwishishini labo.

Yintoni eyenzekayo kwibhanki ye-Intanethi?

Njengaye naziphi na ezinye iziko lemali e-Ukraine, i-Intanethi ye-Intanethi "Imali kunye neNtengo" isebenza ngaphakathi kwe-LLC. Ngaphambili, kwakukho ithuluzi elifanelekileyo lokuhambisa ukuhamba kwemali ngamnye kumthengi. Ukutshintshwa kweemali, ukuhlawula iibhidi zesevisi, ukulandelwa kwe-akhawunti yee-akhawunti kunye nokunye okuninzi okwakunokufumaneka kwiprojekthi. Namhlanje, yonke into ishintshile ngokukhawuleza, kwaye impendulo emihle malunga nenkonzo ishintshile ngokupheleleyo ukuthukuthela kwabathengi.

Ukuba ukholelwa iimpendulo ezininzi, ibhanki ye-intanethi "Imali kunye neNtengo" namhlanje ngokuphantse ayifuni ngokupheleleyo. Ukuba ulawula ukufaka i-akhawunti yakho, oko kwenzeka emva kwemizamo ephindaphindiweyo. Abantu bathi namhlanje le nkonzo ayinalusizo, kuba bonke abasebenzi basebenziseni imeko. Abathengi babhala ukuba ngeenkonzo ze-intanethi abanakuze bahlolisise ibhalansi kumakhadi, kuba akukho nkcazelo kubo kubonakala.

Yintoni uZhevago athetha ngayo kwaye zininzi kangakanani amagama akhe ahambelana neyinyaniso?

Ukususela kwiintetho ezisemthethweni zikaZhevago kwaziwa ukuba isikhundla sebhanki "iMali kunye neNgxowa-mali" ngoku seyanelisayo. Ubeka ngokucacileyo ukuba akukho mbuzo weengxaki, ngokuchaseneyo, iziko lemali liphuhlisa ngempumelelo. Umnini-shareholder oyintloko unxininisa ukuba umbutho ngoku ukhonza inani elikhulu lezentengiso zezoshishino, eziqhubekayo zandisa imiqulu yazo yemveliso. Olu hlobo lwezoqoqosho lubangela ukuphuhliswa kwikamva.

Umnini webhanki "iMali kunye neNgxowa" ichaza ngokucacileyo ukuba isikhungo sezemali sithintela ngokukhawuleza kubakho abathengi bayo ngokubhekiselele kwimimiselo ebekwe yi-NBU. Ngokuphathelele ulwazi oluchazwe yisekela likaZhevago liyinyaniso, kunzima ukugweba, ekubeni kwiingxelo ezininzi, abaxhasi batyhola ngokuchaseneyo. Ukuthetha okungakumbi, ezinye iindaba zineenkcukacha ezenza ukuba iinkcukacha zoshishino zesekela azihambi kahle, njengoko athethayo. Ngokuhambelana neengxelo zophicotho zenkampani "uFerrexpo", ababophezeli bafumana isibonelelo sokuvuselela ityala. Oku kubonisa kuphela ukuphakama okuphezulu kwe-oligarch yaseUkraine.

Ayisindisi nokuhlaziya kwakhona

Kuxhaphake kakhulu ukuba amaqabane ayenqaba ukwamukela inkxaso-mali evela kwiziko "ezeMali kunye neNtengo" ngokubonakala kweengxaki zokuqala. Ezinye iingxaki zavela xa uzama ukuhlaziywa kwi-NBU. Iingxaki zobungozi ezenzeka phakathi kukaDisemba 2014 noJanuwari 2015 azizange zipheliswe ngokukhawuleza. Inkxaso yokuqala ebhankini esuka kwi-ofisi yaseGontareva yanikezelwa kuphela phakathi kwe-Febhuwari kwisixa sama-miliyoni ayi-700. Ngomhla ka-Matshi 2015, ulwazi lufunyenwe kwi-refinancing elandelayo kwisixa se-276 yezigidigidi zeeprojekiti, kwaye emva kwexesha elizayo-i-hryvnia yezigidi eziyi-750.

Iilenki eziphinda ziphindwe ngokuphindaphindiweyo azizange zenze igalelo elilindelwe ngenxa yokuphuma kwemali. Iipotifoliyo zepositi, ukususela ngexesha lokubonakala kweengxaki zokuqala kunye nokubolekwa kwemali yokuqala ye-NBU, yancitshiswa nge-18.5 billion yeeprogram, kwaye ekupheleni kukaJuni enye i-hryvnia eyi-16.5 yezigidigidi yaxothwa kwiziko lemali. Ngokolwazi olunikezwa ngumagazini waseForbes, ekupheleni kukaJuni, abatyali-mali babekwazi ukuphumelela amacala angama-400 ebhankini, phantsi kwaloo nto iqinisekisa ukuhlawula abathengi bayo.

Ukuguquka okungalindelekanga kweziganeko kunye nokuququzelela

Nangona baninzi abaxhasi bebhanki bezandleni zabo izigqibo zenkundla, ngokubhekiselele kuyo ukuba iziko lezemali libophezelekile ukuhlawula amatyala, akakwazi ukufumana iipositi zabo. Ingxaki kukuba iinqununu ezilawulayo zenqabe ukuthatha inyathelo ngokuphathelele kwisigqibo seNkundla yokuLawula iSithili saseKyiv. Khumbula ukuba uMgwebi uBalaklitsky wanikezela isikhalazo, ngokubhekiselele kwiinkonzo ezilawulayo kunye nayiphi na imizimba yazo, abanelungelo lokufumana amalungelo kumntu we-NBU kunye namaziko ayo, kuquka namashishini anjalo njenge-Ukreximbank, i-Pravex-Bank, i-Uksotsbank kunye "I-Citibank", iyancishwa ilungelo lokuqhuba nayiphi na inyathelo ukunyanzelisa nokuqhuba abobanjelwe kwii-akhawunti zebhanka "Imali kunye neNgxowa-mali."

Abathengi abaninzi bacinga ukuba umnini webhanki "iMali kunye neNgxowa-mali" uzama ukugcina ehamba nayo yonke imikhosi yakhe, kuquka neendleko zabatyalomali. Kukho ulwazi abathile abanikezeli bediphozithi bafumana izibonelelo, ngokuya kuthi bakulungele ukunika iipesenti ezingama-50 zediphozithi, kodwa kwimeko yokuba isiqingatha sesibini sihlala kwiziko lemali. Ukugweba nokuthetha malunga nokuba ulwazi lwenyaniso oluvela kumabonakude nakwiimfuno zabathengi luyinkinga. Kuhlala ukulandela imeko kwaye ufikelele kwizigqibo ezifanelekileyo kwiimeko zeemeko.