Bankin "Nadra": reviews ajiyar. Abin da ya faru da bankin "Nadra"

A watan Oktoba na shekara ta 1993, da NBU ya rijista wani sabon bashi ma'aikata - banki "Nadra". Da farko ya qware a cikin kwal masana'antu. Fiye da 9,000 ma'aikata aka aiki a cikin kamfanin "Nadra Bank". Offices located a duk manyan biranen Ukraine, suka bauta wa fiye da miliyan 1.5 abokan ciniki. A mafi sau, cibiyoyin sadarwa hada 700 rassan a daban-daban birane, 1000 ATMs da kuma 4500 tashoshi. Katin "Nadra Bank" ya kusan mafi babbar biyan kuɗin. Bayan shekara ta 2011 da rating kungiyar fara samun koma baya. More cikakken bayani game da abin da ya faru da bankin "Nadra" yanzu, duba wannan labarin.

sabis

"Nadra Bank" (Ukraine) yayi abokan ciniki da fadi da kewayon kayayyakin. Daga cikin na musamman - jadawalin kuɗin fito kunshe-, wanda hada da dukan abubuwa da ake bukata domin tasiri amfani da kudi daga yanzu asusun to katunan bashi. Domin abokan ciniki na kananan da kuma matsakaici-sized harkokin kasuwanci, a Bugu da kari, muna da aka bayar daban-daban bashi Lines, tabbatarwa adibas bude a JSC "Nadra Bank", "abokin ciniki-banki" to sarrafa kudi.

Ga mutane kafa dukan sets na ayyuka.

Kunshin "Da farko" - mafi arha da kadan sa na fasali:

- don en adibas a wani kudin a kowane lokaci.

- bude tanadi asusun.

- yi biya ta hanyar tsabar kudi tare da m hukumar.

- yi amfani da "Client-Bank" lissafi ga ramut.

- daidaita maimaita aiki.

Kamar yadda wani ɓangare na kunshin "Free kudi" abokin ciniki iya gama SMS-sanarwar, janye kudi daga katin ba tare da wata hukumar da kuma tara kudi a kan ajiya a cikin lissafin a wuraren sayarwa katin bashi. "Family" ba ku damar zuwa wannan sabis, amma a mafi sharadi gwargwado: ya karu sha'awa kudi .. A tanadi, fiye da masu biyayya ga yanayin da ake ji saboda wani aro, da dai sauransu Samun kunshin "Social", fansho da damar zuwa yanzu asusun da a haɗe zuwa shi free taswira. Musamman ga VIP-abokan ciniki shirin Gold da Platinum da aka ɓullo da, a karkashin abin da abokin ciniki samu wani da keɓaɓɓun sabis da wani ƙarin sa na abũbuwan amfãni.

nasarori

Institution da hannu a] a] e da shirin, ta kafa EBRD. Babban m, a shekara ta 2011, Centragas Holding GmbH (89,97%). Domin ya kara da darajar da kadarori shi ya halitta da dama kudi kwarewa a zuba jari. IRR samu kudi ya a 25%. A talakawan lokaci na ajiya da aka 4.5 shekaru. Kamfanin ne ma da rancen "akidarsu Ukraine" da aka halitta. yin haya cent "Evrofinans" da kuma SC "Zuba Jari sabis". Su duk gudana a waje da banki, amma ga rayayye aiki tare da Organization a cikin tsarin na giciye-sayar da kayayyakin.

kudi Manuniya

Bisa ga sakamakon III kwata na 2014, da ma'aikata kasa cika da da dama daga cikin NBU tsara bukatun. Yanzu nuni rage zuwa 20,87% a da ake buƙata 40%. Matsakaicin adadin counterparty hadarin amounted zuwa 28,65% (na kullum - 25%). Mutane sun fara massively dauki adibas "Nadra Bank". Wannan ya haddasa wani tabarbarewar a kadara quality. A lokacin da 3rd kwata na 2014 da girma na adibas rage ta 1 biliyan UAH. Ko da yake ainihin outflow ya fi: saboda da ragewar darajar kuɗi na hryvnia kudin adibas girma.

sake-capitalization

"Nadra Bank" (Kiev) ya shiga cikin jerin cibiyoyin da NBU yarda ba to komawa bashin don kula da liquidity. Musamman, hukumar a watan Satumba, da kayyadewa kamata dole sãka da adadin 900 miliyan UAH. biyan bashin wa'adin da aka dakatar da zuwa Disamba 2014. A kan matsaloli a bashi ma'aikata sun nuna cewa, a karshen watan Yuni, Bankin ya roki kambun Eurobonds tare da wani tsari ya canza bashin. A aro adadin da aka $ 59.66 miliyon da balaga a watan Yuni 2017

"Nadra Bank" (Ukraine) ya rasa kudi a sau da rikicin na 2009. Sa'an nan kuma, NBU ya gabatar da wani wucin gadi gwamnati a kafa da kuma goyon bayan ayyukan da bankin har ya samu wani sabon jari - Centragas Holding GmbH. Dole na yi balaga da tsohon bashi to faruwa a shekara ta 2016. Amma, bisa ga unofficial data, da banki ba kawai ya fara zuwa sãka da rance, amma kuma sanya jerin kan gaba capitalization a 2014.

Ƙoƙari yawan biyu

Fabrairu 6, 2015 Deposit Garanti Asusun mutane (FGVFL) ya gabatar da wani wucin gadi gwamnati a "Nadra Bank" (Kiev) da kuma mako kafin da fanshon zaɓi da ma'aikata don biyan bashin da amfani ga Ukrainians. A NBU bayyana cewa saboda nedokapitalizatsii banki danniya gwaje-gwaje da bukatun na ma'aikata da aka ayyana wanda arzikinsa ya karye. Mafi yawa daga cikin adibas (99%) ba ya wuce adadin 200 dubu. UAH. Wadannan rance dole sãka FGVFL bayan da rikon gwamnatin za a gabatar a "Nadra Bank". Abokin ciniki sake dubawa a forums tabbatar da cewa wannan tsari faruwa tare da riqo na wuccin nasara. Kawai 1% na ajiyar da tanadi a cikin adadin wucewa 200 dubu. UAH. Irin abokan ciniki iya murkushe taimakawa wajen da kuma samun wasu kudi a cike. Total biya zambar fiye da biliyan 3.5 USD.

Mene ne dalilin da

A NBU bayyana cewa banki har yanzu bai jimre da rikicin na 2009. Babu sabon zuba jari ko manajoji ƙoƙari don daidaita halin da ake ciki bai taimaka. Amma gwani analysis capitalization da tsare-tsaren nuna cewa ma'aikata za su ci gaba da samar da hasarori. Don haka an yanke shawarar gabatar da wani rikon gwamnati. Tsohuwar gwamnati (har 2009) don en unsecured rance. Takarda alama da za a tsara daidai. Amma da ajiye kansa a matsayin kome ba ne. Don rufe yanzu bashin za a yi amfani da ajiye kafa riga a Firtash.

A banki "Nadra": reviews

Tabarbarewar a cikin kudi yanayin shafa ba kawai ajiyar amma kuma da ma'aikata a cikin makaman. Don sau ɗari a rana don bayyana wa mutane samun ajiya makirci ta hanyar FGVFL da kuma sauraron comments na m mutane, shi ne dole a yi karfi jijiyoyi.

Matsaloli a abokin ciniki sabis fara ne a lokacin da barga aiki banki "Nadra". Reviews mutane a kan forums tabbatar da cewa lokaci zuwa lokaci akwai kasawa a cikin online banki tsarin. Money ba kai a kan zama dole bayani, kuma suka yi duba na dogon lokaci. Sashe na daga haushinka da aka bayyana a kan m hali na ma'aikatan ofisoshin. Amma wannan matsala ne ba sabon da aka samu a cikin da yawa cibiyoyin.

Ukrainians karfi tsananta bayan sa na rikon kwarya gwamnati a banki "Nadra". Feedback a kan forums dauke da wani tsari don sayar da ajiya ga hryvnia, kazalika da tikwici akan yadda za a canja wurin kudi zuwa wani ma'aikata. A musamman, a karshen harka, dole ne ka rubuta wata wasika da lauya, wanda ya nuna cewa kudi kungiyoyin iya samun abokin ciniki kudi, ciki har da daga FGVFL, da kuma samar da wannan takarda a cikin "Nadra" ga 'yan kwanaki kafin biyan bashin.

Domin tanadi - a kotu

Saboda shafe tsawon rikicin kudi, mutane suka fara massively janye adibas. A karfi rage na liquidity da kuma tabarbarewar dukiya take kaiwa zuwa gaskiya cewa rikon gwamnatin da aka gabatar a cikin tukunya. Bisa ga doka, daga yanzu a kan ya kamata a tsunduma a FGVFL maida abokan ciniki. A kan ci gaban wani kaya yana daukan lokaci mai tsawo. Mutane da yawa kokarin samun kudi da baya ta hanyar kotuna. Yanzu yiwuwar tabbatacce yanke shawara ne ko mafi girma. Kotun Koli Ya yi umurni da kudi cibiyoyin zuwa sãka da kudi ba kawai don lokaci na yin amfani da ajiya, amma kuma ga lokaci bayan ƙarshe na kwangila.

Wanda ake kara banki "Nadra" ya bayyana a ranar da dama irin wannan ayyuka. Sharhi kan abokan ciniki suka yi kokarin wannan makirci, ya nuna cewa kotun yanke shawara aka sanya ba a cikin ni'imar da wani bashi ma'aikata. Amma irin wannan mataki shi ne dole je kawai idan ajiya adadin ya wuce tabbas asusu. In ba haka ba, da shari'a ta halin kaka iya outweigh da adadin da ajiya. Amma wannan shafi kawai da take hakki na sharuddan biya. Wani abu - a bayar da dollar adibas a cikin kasa kudin. Dokar ta tanadi cewa a cikin irin wannan hali da kudi da aka biya a kasa kudin a cikin kudi na NBU rana lasisi soke dokar. Wannan shi ne daidai abin da ya faru tare da banki "Nadra". 02/06/15 lasisi kawar da ita. The na aikin musayar kudi a wancan lokacin ya kasance game da 18-19 UAH / USD, da kuma a kan interbank kasuwar - .. 23-25 UAH. Bambanci ne babbar, musamman idan adadin da taimako na 'yan dubu. Y. e. Disgruntled zuba jari yi kokarin kalubalanci yanke shawara a kotu, amma sakamakon tukuna.

A tsiyacewa na banki

A watan Afrilu 2015 da National Bank "Nadra Bank" ya yanke shawarar janye daga kasuwar. A farko biya da yawa sun shũɗe a watan Mayu 2015. A 12.06.2015 fara mataki na biyu da dawowar adibas. Shi zai šauki har Yuli 23, 2015. A kudi za a biya ta hanyar wani wakili, "Raiffeisen Bank Aval". A yanke shawara a kan reimbursement na taimako na mutane da suka kada ku jũya a kayyade lokaci zuwa wakili, za a yi la'akari da guda-guda bayan wannan rana. Domin takardun kawar da banki "Nadra" National Bank ya kasaftawa shekara guda (har Yuli 2016).

ƙarshe

Goma da suka wuce, daya daga cikin mafi girma na rance cibiyoyin a cikin kasar ne "Nadra Bank". "Client-Bank", yanzu, ajiya, katin, albashi asusun, inshora, yin haya - dai kawai wani kananan jerin sabis miƙa ta kudi cibiyoyin ga yawan jama'a. A sau da rikicin 2008-2009 , da bankin da aka bukata recapitalization. Sa'an nan ya sayi kamfanin Centragas Holding GmbH. Amma da matakan dauka don mayar da kudi yanayin da aka bai isa ba. A watan Fabrairu 2015, da rikon gwamnatin da aka gabatar a cikin Bank. A kudi analysis ya nuna cewa sanitizing bankin bai sa hankali. Saboda haka, aka yanke shawarar da ya kawar da shi. A farko biya zuwa ajiyar shige. The biyu kalaman da aka shirya na tsawon daga 12.06.2015 kan 23.07.2015 shekara.