Bank "Rasuulka": default ama inaan la siin? Dhibaatooyinka bangiyada ee Russia

JSC "Rasuulka Bank" - hay'ad credit ee heerka federaalka ah. Waxa uu leeyahay liisan Bankiga Dhexe, Federaalka Financial Suuqyada Service, ka qayb xirfadeed ee suuqa securities, iyo sidoo kale in ay wax soo saarka ee kaararka caaga ah Visa, Mastercard. Muddo dheer, ururka si fiican u shaqeeyay. Laakiin sanadka 2014, "Bank Rasuulka" dhawaaqay default. Maxay yihiin caqabadaha soo food by hay'ad maaliyadeed, iyo sida dhabta ah waa khatar dhab akhri faahfaahin ee qodobkan.

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"Bank Rasuulka" waxaa la aasaasay oo ku saleysan JSC "Promtorgbank". dambe waxaa soo abaabulay 1992 oo muddo dheer mid ka mid ah hay'adaha lagu kalsoonaan karo adeega warshadaha ahaa. In 2010, "Rasuulka" Group iyo hay'ad credit ee kor lagu xusay in macnaha guud ee iskaashiga istaraatiji aasaasay bangiga caalamiga ah. Tan iyo bilowgii hawlgalka (October 2010) "Bank Rasuulka" si tartiib ah u horumariyo ganacsiga card iyo ballaarinta saldhig macaamiisha. saamiga ugu weyn ee hay'adda waa shirkad haysta Trellas.

"Rasuulka Bank", dhibaatooyinka

November 10, 2014 mid ka mid ah kooxda ka mid ah shirkadaha "Onexim" diray Nogotkov (markaas Guddoomiyaha Guddiga iyo milkiilaha qabashada) ogeysiis of default. Dammaanad amaahda sameeyaa saamiyada Trellas Enterprises Ltd. Sida laga soo xigtay, waxa uu, ka fuliyeen oo dhan maaraynta hantida ee GC "Rasuulka". laba maalmood gudahood waxaa jiray ogeysiis ah in 90% saamiyada ay gacanta ugu jiraan "Onexim" iyo NPF "Welfare" tegey. Xaaladdan oo kale, qiimaha macaamilka waxay ahayd calaamad - 1 Ruble per ammaanka. Bank "Rasuulka" default ma laga hortagi karo. Waxaa xusid mudan in hantida shirkadda ka mid ah hay'adaha credit ma aha oo kaliya, laakiin sidoo kale isku magac tafaariiqle telefoonka mobile, dukaanka online, portal SVOY.RU, network salon Pandora. Inkastoo dukaamada dahabka ee heshiiska aan la qortey.

Waa maxay dhibaatooyinka bangiga la kulma "Rasuulka"?

Default dhacay sababta oo ah xisaab daahsan bixin. Shirkadda kari waayay si ay ula qabsadaan dhibaatada ka jirta 2014.

In xilliga dayrta ee 2013 kooxda "Onexim" iyo "Rasuulka" sameeyey Boos suuragalnimada in la abuuro hayo dhaqaale ee tafaariiqle telefoonka gacanta, bangi, shirkad caymis oo bangiga "Renaissance Credit". Markaas Marigold helay credit for $ 100 million la maturity ah ilaa hal sano 01.11.2014. Lacagtaas waxaa markaas kordhay 20% kale. Taasi ma ahayn inay awoodaan inay bixiyaan bangiga, "Rasuulka". Defaulted, sida Nogotkova, sameeyay sababta oo ah dhibaatada haysata gudaha, xaaladda adag ee dhaqaale ee dalka iyo dibadda.

Maadaama uu xal adeegga anti-monoboli suuqa ee ka shaqeeya mobile loo yareeyo tartan. Ka dib markii la beddelo ee dib u habaynta "Rasuulka" helay faa'iido ka yar cadadka 1.6 billion rubles. ka iibinta lacagta hawlgabka. Habka ugu soo baxay xaaladda iibsan lahaa wareejinta lahaanshaha shirkadda in MTS. Laakiin heshiiska, la qorsheeyay September 2014, ku dhaceen, sida saamiga ugu weyn - milkiilaha wadaha mobile - rogay xabsi guri.

A model ganacsi ku guuldareysatay

Khubarada waxay aaminsan yihiin in dhibaatada ka kacay sababta oo ah mudnaanta dhigo. Dabarka dagaal qiimo leh "Euroset" a, "Rasuulka" dhaceen dabinkii la mid ah sida uu soo horjeeda ee 2008. Aad u badan qabsadeen, uu diirada saarayo kaliya dakhliga, ma dakhliga saafiga. Laakiin xaaladda suuqa in uu is beddelay, xiisadda jiiday on, iyo shirkadda bilaabay in ay la kulmaan dhibaatooyin halis ah.

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Markii hore, deyn shirkadda ahaayeen Sberbank, "Promsvyazbank" iyo "Globex". Dhamaan iyaga ka mid ah la wadaagaan Trellas la dhigay - saamiga ugu weyn ee JSC "Bank Rasuulkiisa". Defaulted, taasoo keentay ka non-dhammaystirka waajibaadka, hadda siinayaa xaq u leeyahay inuu deynta oo dhan qaataan kayd. Waxay u isticmaalay "Welfare" ayuu NPF, markii uu helay 15% saamiyada Trellas.

Bartamihii bishii March, "Promsvyazbank" ayaa helay fasax laga Service Antimonopoly Federaalka si ay u bartaan saamiga 51% ah ee Svyaznoy NV Sida of November 2014, shirkadda daynta hay'adaha credit lacag dhan 6 bilyan oo rubles. Laakiin waqti isku mid ah, waxaa jiray war qoraal ah oo ah in "Promsvyazbank" ma in la iibsado shirkadda.

Xiritaanka bangiga "Rasuulka"

Buunbuuninayo oo ku saabsan ururka credit kaliya caqabad ku celinta xaaladda dhaqaale. Ka dib markii muuqaalka kore ee wararka ku saabsan default kaliya ee labadii maalmood ee ugu horreeya, maal-off qaatay wax yar ka badan 8 billion rubles. Isla mar ahaantaana, wararka xanta ah in "Rasuulka" (bangiga) waxa uu isku dayayaa si ay u xaliyaan dhibaatada iyada oo la dayactirayo. Later, si kastaba ha ahaatee, warbixinta war-saxaafadeed ka beeniyay. Sida laga soo xigtay wakiilada bangiga faylalka amaah caddaalad size (10.7% oo ka mid ah loo baahan yahay CB 10%) ayaa waxba iska badalin, heerka degdeg ah hantidooda 4 jeer qiimaha ugu yar (15%). Bank ayaa sii wadda in ay ku shaqeeyaan sida caadiga ah hoos model ka ganacsiga jirka.

Bishii December 2014 hay'adda ayaa ka "Finprombanka" iyo kooxda "Alliance" helay 11 million € amaah u jideeyey. Sida ay sheegayaan qiyaasaha hordhaca ah, wadarta intaasu waxay ahayd si ay u bixiyaan saamiga ugu yar filnaanshaha caasimada (N1) muddo dhowr bilood ah. Laakiin dabayaaqadii February H1 ilaa 9.81% dhacay. Markaas maamulka hay'ad credit ku hagaajiyaa saamileyda ah u kordha caasimada qorshaha in cadadka 5 billion rubles. dhibaatooyinka JSC "The Bank Rasuulka" la kulmi lahaa oo aan lacagtan oo dhan 2015. soo bixid Cash ka deposit iyo processing amaah noqon kartaa dhibaato macaamiisha. Si qorshe waxaa sidoo kale ku lifaaqan la helo jadwalka of lacagaha sanadka oo dhan. (. 1.1 billion rubles) inta ugu badan waxaa looga baahan yahay in March iyo in bilaha soo socda - 300 million, laakiin sababta oo ah isbedel joogto ah liiska saamiyada si ixtiraam leh in wadahadalo recapitalization aan bilaabay ..

Baanka ayaa ku dacwaysay milkiilaha hore

In June 2015, "Bank Rasuulka" codsaday maxkamadda. Ururka credit ayaa ku tala-si ay u ururiyaan ka Nogotkova 120 million rbl., Taasi waa la siiyey baahida u gaarka ah. maturity ee daynta dhacay dhowr bilood ka hor. Laakiin shuruudaha bangiga ee aan la kulmay.

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Xiritaanka bangiga "Rasuulka" - oo mid ka mid ah mawduucyada ugu caansan ee wada hadalka. Ka dib warbixin ku saabsan default ee shirkadda ka mid ah, tijaabooyin badan oo hay'ad credit sameeyay lagu soo jeeda macluumaad allifey. Sababta oo ah maal-abuuro argagax bilaabay inuu ballaaran u baxaan kayd ka xisaabaha. Waayo, hawlgalka xasiloon oo bangiga u baahan yahay xarfo dheeraad ah. Laakiin sababta oo ah isbedel joogto ah liiska saamiyada ee wada xaajoodka arrintan aan weli bilaabay. Haddii aan lacagtaas bangiga ayaa laga yaabaa in ay dhibaato kala kulmaan hirgelinta ratio filnaanshaha caasimadda.