Bank "Nadra": dib u bankiga. Maxaa ku dhacaya bangiga "Nadra"

Bishii Oktoobar 1993, NBU ayaa ka diiwaan gashan hay'adda cusub credit - bangiga "Nadra". Markii hore wuxuu ku takhasusay in industry dhuxul ah. In ka badan 9,000 oo shaqaale ah ayaa ka shaqeeya shirkadda "Nadra Bank". Xafiisyada ku yaal oo dhan magaalooyinka waaweyn ee Ukraine, u adeegay in ka badan 1.5 milyan oo macaamiil ah. In jeer kaga fiican, network hay'adaha ka mid ah 700 laamood ee magaalooyinka kala duwan, 1000 ATM iyo 4500 boosteejada. Card "Nadra Bank" waxay ahayd ku dhowaad qalab lacagta ugu qiimaha badan. Ka dib markii 2011 ururka rating ahaa ayaa bilaabay inay hoos u. Faahfaahin dheeraad ah oo ku saabsan waxa ku dhaca bangiga "Nadra" hadda, arki this article.

adeegyada

"Nadra Bank" (Ukraine) waxay bixisaa macaamiisha tiro balaadhan oo ah alaabta. Waxaa ka mid ah u gaar ah - baakadaha canshuur, taas oo ka mid ah dhammaan waxyaabaha loo baahan yahay in loo isticmaalo ee ku ool ah oo lacagta ka soo xisaab hadda in kaararka deynta. Macaamiisha ee shirkadaha yar yar iyo kuwa meel dhexaadka ah, marka lagu daro, waxaan la siiyey khadadka credit kala duwan, lacag dhigaal ah dayactirka furay JSC "Nadra Bank", "macmiilka-bangiga" si ay u maareeyaan lacagta.

Shakhsiyaadka sameeyay nooc oo dhan of adeegyada.

Xirmada "First" - jaban iyadoo yar ee Tilmaamo:

- si ay u soo saaraan lacag dhigaal ah in lacagta wax waqti kasta;

- in la furo xisaab kaydka;

- in la sameeyo lacagaha iyada oo lacag caddaan ah la guddi ugu yaraan;

- si ay u isticmaalaan account "Client-Bank" for gacanta ku fog;

- qabsato howlaha soo noqnoqda.

Iyadoo qayb ka ah xirmada "lacag Free" macaamiisha ku xidhi kari lahaa SMS-gaadhsiin, baxdo lacag ka card oo aan guddi oo ku hamineysay in lacag deebaaji ah ee xisaabinta at dhibcood of credit card sale. "Family" siinaysaa inaad hesho adeegyo isku mid, laakiin on shuruudaha wanaagsan more: kordhay dulsaarka .. On kaydka, dheeraad ah oo daacad u ah shuruudaha codsanaya amaah ah, iwm Haysashada xirmo "Social", dadka hawlgabka ah ay helaan account hadda oo ku lifaaqan isaga map free. Gaar ahaan barnaamijka VIP-macaamiisha Gold iyo Platinum Waxaa la soo saaray, kaas oo macaamiisha ka helay adeeg shakhsi ahaaneed iyo set oo dheeraad ah faa'iidooyinka.

guulaha

Hay'adda lug leh maalgelinta barnaamijka, aasaasay by EBRD ah. saamiga ugu weyn ee 2011 ahaa Centragas Holding GmbH (89,97%). Si loo kordhiyo qiimaha hantida uu abuuray dhowr lacag ku takhasusay maalgelinta. Heerka laabto IRR ahayd 25%. Ereyga celceliska deebaajiga ahayd 4.5 sano. Shirkadda ayaa sidoo kale amaahda "uu aamino Ukraine" la abuuray; beenta boqolkiiba "Evrofinans" iyo SC "adeegga Investment". Kulligood waxay wada shaqeeyay baxsan bangiga, laakiin si dhab ah ula shaqeeyaan Organization ee qaabka guud ee alaabta cross-iibinta.

tilmaamayaasha dhaqaale

Sida ay natiijada III quarter of 2014, hay'adda ku guuldareystay in ay u hoggaansamaan tiro ka mid ah NBU shuruudaha sharciyeed. bandhigay hadda hoos si 20,87% ee loo baahan yahay 40%. Lacagta ugu badan ee khatarta counterparty lacag 28,65% (iska caadi ah - 25%). Dadka waxay bilaabeen inay ballaaran u qaadan lacag dhigaal ah "Nadra Bank". Tani waxa ay keentay inay ka sii tayada hantida. Inta lagu guda jiro quarter 3aad ee 2014 mugga kayd hoos u dhacay 1 billion uah. Inkasta oo dheecaanka dhabta more ahaa: sabab u qiima ah hryvnia kayd lacag koray.

dib-u-xaraf

"Nadra Bank" (Kiev) galay liiska hay'adaha oo NBU loo oggol yahay ma inuu ku soo laabto daynta si ay u ilaaliyaan hantidooda. Gaar ahaan, hay'adda ee September, jaangooyaha waxay leeyihiin waa inuu dib u bixiyo cadadka 900 million uah. xirmin bixinta waxaa dib loo dhigay in December 2014. On dhibaatada ka jirta hay'ad credit ayaa sidoo kale tilmaamay in dhamaadka June, bangiga ka codsaday heysata ee Eurobonds la soo jeedin ah in dib u habayn daynta. lacagta amaahda ahaa $ 59.66 million la maturity ee June 2017

"Nadra Bank" (Ukraine) ayaa u baahnaydeen lacag in times of dhibaatooyinka 2009. Markaas, NBU ayaa soo bandhigay maamulka ku meel gaar ah hawlaha aasaaska iyo taageerada bangiga ilaa uu helay Maal cusub - Centragas Holding GmbH. Waxaan u lahaa in maturity daynta jir ah in ay ka dhacdo 2016-ka. Laakiin, sida ku cad xogta aan rasmi ahayn, bangiga ma aha oo kaliya bilaabay inuu deynta, laakiin sidoo kale liiska ku xaraf ee soo socda ee 2014.

Isku day tirada laba

February 6, 2015 Deposit Guarantee Fund ah oo ay shakhsiyaad (FGVFL) soo bandhigay maamulka ku meel gaar ah ee "Nadra Bank" (Kiev) oo toddobaadkii la soo hor Fund Pension u doortay hay'adda bixinta gargaarka in Ukraine. In NBU sharxay in ay sabab baaritaano bangiga nedokapitalizatsii shuruudaha hay'ad la sheegay in gaba. Inta badan kayd ah (99%) kama badna xadiga uah 200 kun.. daymaha waa abaalmarin FGVFL ka dib markii maamulka ku meel gaarka ah waxaa lagu soo bandhigay doonaa "Nadra Bank". dib u eegista Customer on forums xaqiijiyo in nidaamka ay tani ku dhacdo guul marmar. % Ka mid ah bankiga keliya ayaa 1 leeyihiin kaydka ee lacagta aad iyo aad bay 200 kun. Uah. macaamiisha noocan oo burburin kara gacan ka iyo aad u hesho qaar ka mid ah lacag buuxda. Total bixinta lacag dhan in ka badan 3.5 billion USD.

Waa maxay sababta

In NBU sharax in bangiga uusan weli saxiirtaas dhibaatada ee 2009. No maal cusub ama maareeyayaasha isku dayaan in ay xasilin xaaladda ma caawin. Laakiin qorshaha xaraf falanqaynta khabiir muujisay in hay'ad ay sii wadi doonto in ay curiyaan khasaaraha. Sidaa darteed waxaa la go'aamiyay in la soo bandhigo maamul ku-meel. Maamulka hore (ilaa 2009) si ay u soo saari Deymaha. Paper u muuqataa in si sax ah loogu talagalay. Laakiin reserve laftiisa sida galkii. reserve si ay u daboosho dayn hadda waxaa loo isticmaali doonaa horay u sameeyay at Firtash.

bangiga "Nadra": dib u eegista

Daraysa in xaalada dhaqaale ee bankiga saameysey ma aha oo kaliya, laakiin sidoo kale shaqaalaha xarunta. Si boqol jeer maalintii si ay u sharxaan in ay dadka hela Barnaamijka deboositka ku dhex FGVFL iyo dhagaysan comments shaqsiyaadka ku qanacsanayn, waxaa lagama maarmaan ah in ay leeyihiin dareemayaasha xoog leh.

Dhibaatooyinka in adeegga macaamiisha bilaabay waqti bangiga deggan oo shaqeeya "Nadra". Reviews dadka on forums xaqiijiyo in xilliyo waxaa jira fashilaad in nidaamka bangiyada online. Lacagta aan la gaaray ee ku saabsan faahfaahinta loo baahan yahay, oo waxay lahaayeen in ay eegaan muddo dheer. Qayb ka mid ah dhirif waxaa ka muujiyay soo horjeeda dhaqanka aan furfurnayn ee xafiisyada shaqaalaha. Laakiin dhibaatada tani ma aha cusub iyo waxaa laga helaa hay'adaha badan.

Ukraine si adag u xoojiyey ka dib markii maamulka ku meel gaarka ah ee bangiga "Nadra". Jawaab-celinta forums ku jira soo jeedin ah in ay iska iibiso deposit ee hryvnia ah, iyo sidoo kale talooyin ku saabsan sida loo lacag ay hay'ad kale lagu wareejiyo. Gaar ahaan, hadii kan danbe, waa in aad warqad of attorney, taas oo muujinaysa in hay'adaha dhaqaale heli kartaa lacagta macaamiisha ah ee, oo ay ku jiraan ka FGVFL, iyo si ay u siiyaan warqad this ee "Nadra" dhowr maalmood ka hor bixinta.

Waayo, kaydka - maxkamadda

Sababo la xiriira dhibaatooyinka dhaqaale ee daba dheeraaday, dadkii waxay bilaabeen inay ka baxaan ballaaran kayd. hoos u dhac xoogan oo hanti hantidooda iyo sii keenaysaa in xaqiiqda ah in maamulka ku meel gaarka ah waxaa la soo bandhigay dherigii. Sida uu qabo sharciga, hadda ka dib waa in lagu hawlan macaamiisha celiyo FGVFL. On horumarinta alaabada waxay qaadataa waqti dheer. Dad badan oo isku day in aad lacag ka dib iyada oo maxkamadaha ka heli. Haddaba siday suuragal u ah go'aan fiican waa ka sii sareeya. Maxkamadda Sare ayaa amar ku bixiyay in hay'adaha maaliyadeed dib u bixiso lacagta ma aha oo kaliya muddada isticmaalka deebaajiga, laakiin sidoo kale muddo ka dib la joojiyo oo heshiis ah.

bangiga dacweysanaha "Nadra" muuqday dhowr falalka noocaas ah. Reviews of macaamiisha kuwaas oo isku dayay in nidaamkan, ayaa tilmaamaya in go'aanka maxkamadda uu yahay in aanan ay guushu ku hay'ad credit a. Laakiin tallaabo noocan oo kale ah waa lagama maarmaan si ay u tagaan oo keliya haddii lacagta deebaajiga ka badan fund ballan. Haddii kale, kharashka sharciga ah u bi'isaa kartaa lacagta deebaajiga. Laakiin tani khuseysaa oo keliya in ay xadgudubyada ka mid ah shuruudaha lacag bixinta. Waxa kale oo - saarista ee kayd dollar ee lacagta qaranka. Sharcigu wuxuu dhigayaa in ay dhacdo noocan oo kale ah lacagta waxaa la bixiyaa lacagta qaranka at heerka of NBU noqosho liisan maalintii. Tani waa dhab waxa dhaca bangiga "Nadra". 02/06/15 laysanka laga qaaday. Heerka sarrifka rasmi wakhtigaas ahaa oo ku saabsan 18-19 uah / USD, iyo suuqa isku xidhka ah - .. 23-25 uah. Farqiga u dhexeeya waa weyn, gaar ahaan haddii caddadka ka qayb of dhowr kun. Y. e. cadhaysan maal isku dayeen in ay ka doodid go'aankan oo barxadda, laakiin natiijada weli.

badanoo ee bangiga

Bishii Abriil 2015 ee National Bank "Nadra Bank" ayaa go'aansaday in ay ka baxaan suuqa. Lacagaha ugu horeysay horay u maray ee May 2015. On 12.06.2015 billowdo wareegga labaad ee soo celinta lacag dhigaal ah. Waxa uu socon doonaa ilaa July 23, 2015. Lacagta ayaa lagu bixin doonaa iyada oo loo marayo wakiilka ah, "Raiffeisen Bank Aval". Go'aanka celinta ee ka qayb ka mid ah dadka aan jeedin in waqti la cayimay uu sheegay wakiilkiisa, waxaa loo tixgelin lahaa si gaar ah taariikhda ka dib. Waayo, waraaqaha si loo baabi'iyo bangiga "Nadra" Bank Qaranka ayaa loo qoondeeyay hal sano (ilaa July 2016).

gunaanad

Toban sano ka hor, mid ka mid ah hay'adaha amaahda ugu weyn ee dalka ka yihiin "Nadra Bank". "Client-Bank", hadda, deposit, kaarka, xisaabaadka mushaarka, caymiska, beenta - waxa kaliya liiska yar oo ah adeegyada ay bixiyaan hay'adaha maaliyadeed ee ay dadka. In times of dhibaatooyinka 2008-2009 , Bank la baahan yahay recapitalization. Markaasaa Yuusuf wuxuu soo iibsaday shirkadda Centragas Holding GmbH. Laakiin tallaabooyinka la qaaday si loo soo celiyo xaalada maaliyadeed uusan ku filnayn. Bishii Febraayo 2015, maamulka ku meel gaarka ah ayaa lagu soo bandhigay in Bankiga. Falanqaynta A dhaqaale ayaa muujisay in nadiifinta bangiga Macno ma sameeyneeyso. Sidaa darteed, waxaa la go'aamiyay in ay la baabi'iyo. Lacagaha ugu horeeyay ee bankiga hore u maray. ruxruxo labaad ayaa la qorsheeyay muddada u dhaxaysa 12.06.2015 on sano 23.07.2015.