"PSA Bank": reviews na ajiyar, adibas, matsaloli

"PSA" banki ajiyar reviews wanda kwanan nan ya fara bayyana tare da wani mummunan tinge - ne a duniya bashi da kudi ma'aikata a wadda asusun yana da isasshen manyan kasashen waje da zuba jari. Basic sabis kungiyoyin - shi ne yin aiki tare da kamfanoni abokan ciniki da kuma daidaikun mutane, zuba jari da kuma ayyuka na kasa da kasa abokin ciniki sabis, Inter-da mu'amalar banki. Tarihi na «VAB» bankin ke zuwa wani m 1992. Bisa ga rating rarrabuwa na bankuna bisa ga NBU, da kafa mallakar 1st wuri a cikin ƙungiyar na most kudi cibiyoyin a kasar. Branch of wani kudi ma'aikata aiki a duk sasanninta na jihar.

«VAB» banki, wanda sake bitar na iya saduwa da kyau, da kyau goyon bayan tsarin kasa da kasa da biya. Wannan visa International, MasterCard kuma International. A banki ta umarni ne zuwa ciyarwa daga fensho shirye-shirye.

Abin da janyo hankalin su hada kai?

"PSA" banki ya kullum ja hankalin masu zuba jari, kamar yadda yana da wani impeccable suna. A manyan kudi ma'aikata kamata ba kasa ko a lokacin na tsanani rikicin. A size da kuma yawan banki rassan a Ukraine ya nuna cewa tsarin ba zai durkushe. Kamfanin amsa kamar yadda kashin bayan dukan kudi a tsarin kasar, da kuma shi Predefinicións da fifiko da aka buga da tattalin arziki. Kamar yadda wani ɓangare na banki kasance ko da yaushe akwai mafi m dollar musayar kudi. Client yayi m kudi ayyuka da kadan kudin. Dabam za a iya ce da adibas, wanda a kan bango na sauran hadayu a kan kasuwar duba da kyau sosai Domin kusan shekaru ashirin da dukan tarihin Bank of gunaguni daga abokan ciniki ya ba ta kasance, duka biyu ban sha'awa da kuma nasu adibas aka biya a dace hanya. Yana da dukan a cikin hadaddun da kuma tabbatar da gaskiyar kudi ma'aikata, ya janyo hankalin mai yawa zuba jari tsakanin kasashen biyu. Me ake kawai nasarar weathered da crises na 1998 da kuma 2008.

Me yi da lambobi, ko da latest m statistics

Duk da kyau suna daga cikin banki, da latest statistics nuna akwai wasu matsaloli a cikin kudi ma'aikata. Bisa kididdigar da, da kafa bautar da fari a cikin rating na Ukrainian bankuna da kuma shi ne memba na biyu kungiyar. A izini babban birnin kasar na ma'aikata "VAB" banki, wanda sake dubawa ba mafi kyau, daidai to 3.048.619 dubu hryvnia. Net amfani albashi shi ne na karshe da rahoto lokaci, a cewar bayanai bayar da banki, 475 543 dubu hryvnia. Akwai wani ban sha'awa nuna alama da ta nuna halin da ake ciki - riba ga lokacin, wanda nawa zuwa kusan debe 50 dubu hryvnia. Kan bango na sauran Manuniya da adadin ne ba da muhimmanci, amma ya kamata da damuwa game da liquidity na kudi cibiyoyin.

Farawa farko matsala?

Domin da farko lokacin ajiyar "PSA" reshe na bankin wanda ya yi aiki cikin Ukraine, ya fara samun matsaloli tare da biyan kudaden da a cikin bazara na shekara ta 2014. Bugu da ƙari, da bata lokaci ba kawai a cikin bangare na sama na adibas, amma kuma biya sha'awa a kan adibas. A banki ta management ba da damar tsoro a lokacin da aka kullum mayar da hankali ne a kan gaskiyar cewa kudi ma'aikata zai samu mai kyau refinance, kuma duk da matsalolin da za su tafi wucin gadi matsaloli a m baya.

Wannan sanarwa da aka ba zamba, da kuma a farkon rikicin lokaci da kudi da ma'aikata da gaske samun mai kyau kudade domin Olegu Bahmatyuku ya iya gudanar da shawarwari tare da sabuwar gwamnatin. A banki ta management to kai su qara da bushãra da bayar ajiya a cikin adadin 1000 hryvnia kowace rana. Babba tranche ƙarshe vuya kusan gaba daya. Akwai shawarwari da cewa manyan samar da taimakon kudi da aka kashe a rike Bakhmatyuk kasuwanci da kuma kula da kudin. Ko da yake wadannan hujjoji tabbatar da ba zai yiwu ba. Bugu da kari, kafofin watsa labarai sun akai-akai rubuta game da cewa shi ne a kan kudi na ajiyar na sha'anin "VAB" banki, wanda sake bitar tsoro kasuwa gina m kasuwanci.

Bari mu koma ga dawowar adibas. A iyaka na 1000 hryvnia yi dogon. Lokacin da wajabta iyaka a daya hannun da adadin ba samu. Domin ba don tsoro kashe savers rage iyãkõkin har zuwa 500 300 hryvnia, da shugabannin zo quite daban. A gaskiya ma, cikin real kudi ya a tsabar kudi desks na banki ba fiye da 1-2 sau a mako. Transfers zuwa wasu asusun da aka rufe. Ga wanda bai kai karewa da kwangila, abokan ciniki ya biya 10% ajiya. Da kuma cewa shi kawai da tip na dutsen kankara. Yana duk da fallasa da suna a matsayin "PSA" banki kudi ma'aikata. Reviews a 2014 kasance na farko da sakonni na zuwa rikicin.

Abin da ke sa daya ake zargin: management rashin ladabi

Bisa ga latest bayanai daga kafofin watsa labarai, da mai na "PSA" gungumen azaba, a kamfanin banki ajiyar reviews wanda kowane watan ne samun muni da muni, an riga an sani a cikin Ukraine Bakhmatyuk. Duk da cewa mai shi na hannun jari ya hana wani hannu a banki, da facts gaya wani labarin daban-daban. Kamar yadda muka samu daga, da kudi ma'aikata bashin da kamfanin a lokaci guda 4, wanda suke da dukiya Bakhmatyuk: "Rayz Maksimko" da "Niva", "Spetsagrarproekt" da "Agro Alpha". Bugu da ƙari, cikin kudi ma'aikata management - wani mutum kusa da karshen, suka amsa a madadin daga cikin wakilan a yawan kotuna. An ban sha'awa al'amari ne da cewa rance kãwo wa noma kamfanonin da aka sanya a karkashin m kashi, a cikin 16%, wanda shi ne kusan daidai da ajiya shirye-shirye, da kuma ba ya rufe asarar kudi ma'aikata. Kafofin watsa labarai suna ƙara na kowa sanarwa cewa "VAB" banki, wanda sake bitar korau, aka saya kawai don dalili na crediting na aikin gona da kamfanonin da aka ambata a sama, da kuma a amfanar da cinikayya tare da mutane da kuma kamfanoni abokan ciniki, da kuma jawabin bai je. Jahilci manufofin sabuwar karkashin jagorancin zuwa gaskiya cewa kudi ma'aikata "PSA" banki ajiyar sake bitar matalauta.

Bobble na zamba: tarihin matsala

Bugu da kari ga doka da kuma unskilled mataki da sabon gwamnatin kudi cibiyoyin "na VAB" banki, kamfanoni rabo aka ƙaddara da kudi zamba, wanda aka maimaita aka ambata a cikin jaridar "Maraice News."

Da farko, da jama'a ya zama samuwa game da buga cashiers, wanda flatly ƙi gudanar da wani kasashen waje musayar ma'amaloli ba batun dokar bukatar management. Bankin m dubawa tabbatar da cewa a cikin cibiyoyin gudanar da ayyukan a wuce haddi na $ 4 miliyan. Wannan shi ne sau 10 fiye da kudin da aka zahiri saya daga mutane. Sa'an nan kuma muka saka da cewa hanya na saya da kuma sayar da Amurka kudin a kasuwa a lokacin da bankin ya kasance daya daga cikin mafi m.

Yana adorns halin da ake ciki da cewa sayan kudin kasashen waje a cikin adadin al'ada abokin ciniki 100- $ 200 ba zai yiwu ba, saboda cashiers aka kullum magana game da rashi na tsabar kudi a hannun. A duba ya nuna cewa kowace rana a cikin ofishin sayi daruruwan dubban daloli, da kuma cewa kawai a daya hannun. A wannan yanayin, an biya zuwa kashi da dama sassa, don haka kamar yadda ba su jawo hankalin da hankali. Amfani da karya ne takardu. All receipts hannu da kashiya. A total girma na ma'amaloli a lokacin rana wani lokacin wuce $ 2 da miliyan, wanda aka nuna a cikin takardu. NBU bai sarrafa kafa yadda abubuwa ke aiki a banki, kazalika da girma na ma'amaloli bai zo daidai da ainihin ayyuka na cashiers. Bugu da kari, rikodin bidiyo yayin da dubawa da aka ba bã a cika, da kuma wasu kaset aka kuma saka. A kan gaskiyar da take hakkin da banki suka rasa yarda cikin NBU, da kuma samu karkashin hadarin rasa da lasisi. Dabarunsa halakarwa da suna da kuma kafa "PSA" Bank, reviews fara bayyana sosai korau.

Kamar yadda masu zuba jari sha?

Jahilci manufofin sabon shugabanci, wanda ba ka damar fitowa a Multi-miliyan sha'awa-free rance, adversely rinjayar da wasan kwaikwayon na banki na da wajibai zuwa ajiyar, wanda akwai da yawa. Business dabarun, tare da murdiya rahoto, tasiri a kan bata masa suna. Wannan ya bayyana cewa kafa "PSA" banki ajiyar sake bitar 'yan korau. Kamar yadda abokan ciniki, da suke da dogon lokacin da hadin gwiwa tare da karshen kuma bai taba aka kalubalanci, a yau akwai wasu matsaloli. Wannan ba biya adibas a karshen su sharuddan. Musamman matsaloli suna hade da dollar gudunmawar. Kokarin kawar da matsaloli na kudi ma'aikata ta jawo kasashen waje masu zuba jari zuwa babban birnin kasar ya gana da rashin cin nasara, saboda haka, da gaggawa matsaloli tare da adibas zauna a cikin igiyar ruwa.

Ta yaya ne karbo daga adibas, kuma ko da shi ne da za'ayi a duk?

A wanzuwar matsaloli a kamfanin ta "PSA" Bank a kai a kai da sake dubawa ce. Masu zuba jari ba kawai ba zai iya samun hannuwanku a kan su kudi, sunã da wani yawan inconveniences saboda da rashin cikakken hadin kai. Samu rahotanni na tsanaki matsalar aiki na samfur online banki da kuma rashin damar yin canja wurin. Idan baya da aka jera a kan katin da asusun kudi daga ajiya za a iya cire a ATMs "yanayi", ko da ba tsabar kudi biyan bashin a cikin Stores yau, wannan ba zai yiwu. Customers ba su ma suna da yiwuwar don canja wurin su kudi daga wannan account zuwa wani.

A cikin akwatin ofishin rassan ne a tsare ba kudi, kuma ATMs ne komai. Guide «VAB» Bank Oleg Bakhmatyuk fuska ya yi wani roko ga National Bank for recapitalization na ma'aikata. Abin baƙin ciki, da fatawar da aka bai mai dauke sharadi, tun da manufar ayyuka na kafa ya dade da aka tambaye su. Tare da na karshe bege na zuba jari a yarda ya tsaya har yanzu a farkon shekarar 2015 da dogon Lines cewa bai kawo wani sakamakon. The kawai bege ga wani maida - shi ne biyan bashin asusun inshorar, albeit m.

Gangamin da kuma zanga-zanga - da tsakaitãwa to wanda zuba jari ne

Game da "PSA" banki abokin ciniki feedback a cikin past shekara sami kawai korau. Mutane ne a cikin wani tsoro kokarin samun da baya su tanadi. Bayan gabatarwar wucin gadi afuwa da NBU ma'aikata gane wanda arzikinsa ya karye. A wata al'umma siga halin da ake ciki ba a iyakance ga korau reviews. Mutane je rallies, sun yi kokarin magana da kaina tare da jagorancin kungiyar, wanda, frankly, ba su kawo wani sakamakon. Akwai ma wani labarin a Kiev, wanda aka rubuta a kafafen yada labarai, a lokacin da mata suka bazama kan titunan tare da placards kira zuwa ga komawa da kudi, da kuma katange da motsi na motocin a kan titunan Kiev. Fiye da shekaru masu yawa na m aiki na banki sun tara quite yawa abokan ciniki, musamman tsohon management na kudi ma'aikata ko da yaushe ya gina ta aiki a cikin irin wannan hanya kamar yadda ya cika duk da wajibai zuwa abokan ciniki. Abinda ya so da gudummuwa a yau - shi ke nan wata sanarwa da Alexander da magatakarda wanda daukan saman post na farko mataimakin NBU. A cewar shi, da dacewa da sabis yau dauki dukkan ayyuka domin kawo cikin "PSA" Bank (Ukraine) daga kasuwa da kuma a lokaci guda gamsar da mafiya yawa daga cikin bashi 'siffantawa.

Biya daga Asusun na tabbatar adibas: ko da za su dogara a kan doka m?

Da zarar a watan Satumba 2014, a cikin "PSA" banki matsaloli da suka shafi dubban mutane a fadin Ukraine rikon gwamnatin da aka gabatar, da Asusun na tabbatar adibas zaci da wajibi biya game da 200 dubu hryvnia kowane depositor idan ajiya adadin ne daidai ko mafi girma daga saita daidaitattun . Biya an nada a karshen shekarar 2014, kuma a lokacin wannan lokaci da kuma a cikin akwatin ofishin ne har yanzu aiki ofisoshin da kuma a ofisoshin Ukrsotsbank jerin gwano fara tara. Abokin ciniki kungiyar "PSA" banki, wanda adibas 'yan shekaru da suka wuce sosai janyo hankalin mutane da ke rubuce a lists to saka lokacin biyan bashin. A da rana bayan da ya kai ziyara na wani kudi biya.

A labarin ya ci gaba da rana. Mutane da don en cards da hankali da samun su biya. Bayani a kan aiwatar da alkawura a kan wani ɓangare na National Bank Deposit Garanti Asusun ya ba tukuna aka ruwaito. A halin da ake ciki da ya rage daga gwiwarsa a yau.

Wa dora alhakin Bakhmatyuk ko halin da ake ciki ta hanyar da idanu na a kasuwa ukrainskgo

A halin da ake ciki a cikin abin da hit "PSA" banki, buga Aljihuna na da yawa mazauna Ukraine. Amma mafi ban sha'awa abu a cikin yanayi da cewa babban m Bakhmatyuk kudi ma'aikata ba ya yarda ya da laifi. Ya sanya ta da alhakin abin da ya faru a NBU. A cewar shi, sai ya miƙa ajiye halin da ake ciki, da ya zama wani mai saka jari cibiyoyin shirya da su zuba jari a cikin "PSA" Bank (Kyiv) a matsayin m na uku biliyan hryvnia. National Bank yi alkawari zai sa ƙarin capitalization a cikin adadin biliyan 4 hryvnia. Duk da haka, a ƙarshe lokacin ya ki bayyana recapitalization. A na biyu yunkurin ceto halin da ake ciki Ukrainian kasuwa - shi ne dãɗin a subordinated bashi na banki domin shekaru 10, amma saboda saka jari ta fayil na affiliate tayin da aka ƙi. A dalilan da wannan shawarar da NBU ya hukumar, wanda ya zo da bankin duba da kuma gyara gaskiyar kudi zamba. Detail da harkokin bankin bai iya tantance ko da masana a gaban dukan da samuwa ilimin kididdiga bayanai. Media sunkuyar da gaskiyar cewa rashin iyawa don sarrafa halin da ake ciki da kuma tura da NBU zuwa da kawar da kasar ta most banki.