SB Bank: inselelo isilinganiso nokwethenjelwa

SB Bank yasungulwa ngo 1994 eMoscow. Inhlangano yinkampani umzali leqembu zezimali, ezazihlanganisa ZPIF esohlwini "Mart Realty" futhi SB Nezikweletu Ukukhishwa Limited. Ngenxa yalokho eziphindaphindiwe kabusha yokubeka uphawu isikhungo wathola igama elimfushane le CB "SB-Bank." Inhlangano Babesebenze kahle ndawonye njengababonisi elikhula ngokushesha, igxile kumakhasimende ezinkampani. It osesikhundleni 80th ku engamakhulu phezulu, kanti eyesithathu - simo kazwelonke.

SB Bank: izinselele

Idumela isikhungo saqala ukwehla ngasekupheleni 2014, lapho isibalo IP nezinhlangano ezingokomthetho ziye simisiwe. On the izinkundla, abantu bakhononda izinkokhelo Akugunyazwanga CB shipbuilding Bank. Izibuyekezo Customer abonise isibalo esikhulu zezinkinga ngenxa yokukhokha sekwedlule isikhathi kwezintela, izinhlawulo okuholela kanye nobudlelwane ichithekile nosonkontileka.

Nakuba ingxenye izinkokhelo okwamanje eyenziwa. Januwari 14, 2015 sekudlule ukusebenza, ocelwe Disemba 26. Ngokomthetho ku kuthengiselana ivelele izinsuku ezintathu. Ngenxa yokuthi SB Bank akusho ukusingatha izinkokhelo, iningi amakhasimende zaphoqeleka ukuba zishiye inhlangano amasevisi. Ngesikhathi esifanayo, abaningi phawula isimo sengqondo friendly abasebenzi ngubani ukweluleka kuvalwe akhawunti, engesiyo ngempela indinganiso nesimo esinjena.

Ngokushesha kwase izimangalo nalabo sinqume ukuqhubeka nokubambisana "CB" SB Bank ". Izinkinga abangu libi nakakhulu lapho inhlangano yaqala ukushintsha kule" isicelo Dashboard "ngosuku lokukhokha. Uhlelo ubonisa isikhathi kumiswa oda lokukhokha, kokuthola ukucutshungulwa zayo kanye lasebhange. Lezi izinsuku zivuselelwa nsuku zonke.

SB Bank nezinkinga inkokhelo wazama ukuxazulula ngokuvula ukwehluleka wokufaka ukuqhuba imisebenzi. Ngenxa yale njongo-akhawunti entsha sidaliwe 47418. labonisa eyamukelwayo ibulawa ngesihluku futhi ithunyelwa Central Bank of ukusebenza, kodwa ngenxa yokuntuleka kwezimali ku umlobeli akhawunti, lezi ukuthengiselana ziyiswe ehlukile inkomba yekhadi. Kubuyekezwa idatha nsukuzonke, ibhange uzama ukunciphisa inani izicelo amafayela. Kodwa lapho athula ifayela lobuchwepheshe ungabona usuku lwangempela imibhalo kumiswa. Ngenxa yalokho, ngo-January 27 sikhungo kwaba unqamukile ngokuphelele ohlelweni zokukhokhelwa electronic Central Bank.

ukukhangisa umkhankaso

Ukuhlenga le simo, ukumisa outflow capital nokwehlisa imali supply kusilela, inhlangano yaqala ukunikela izimo umuntu ku imali. Iningi labantu ongazange asazi mayelana nezinkinga, uke wangena inkontileka entsha fixed eside. Futhi lapho isikhathi sawo sesiphelile, kwaba sobala ukuthi SB Bank akusho ukusingatha izinkokhelo, futhi ingabuyeli imali. Ngaleso sikhathi eziqhutshwa kakade ukuphatha okwesikhashana.

I imikhawulo emisha

phezu imali imikhawulo ukuhoxiswa kwangena ngaphandle kwesaziso yokukhokha: kusukela ATM - ruble ayizigidi 40 (ngisho nge credit "Premium +") futhi izinkulungwane 100 - ukuze ubone ezinye amakhasimende. Kulabo abafisa ukuthola isamba esikhulu, wena kwadingeka nsuku ukubeka ayizinkulungwane 100 Ngesikhathi abameleli esifanayo ebhange wagomela ukuthi imikhawulo cash Ukuzihoxisa bekusolo. Khona manje imikhawulo zishintshile. Ngo-2013, ngaphandle kwesicelo ngaphambi angasuswa ruble esigidini. Ngo-2014, leli nani is ngesigamu, bese ngo-2015 kakade zaba ama-ruble ayizigidi 300.

isilinganiso

Iqiniso lokuthi ibhange ihlangabezana nezinkinga zezimali ngoba amakhasimende amaningi Kwangimangaza lokho okuphelele. Emuva ngo-2014 National Isilinganiselwa Agency Ukukala isikhungo "AA-". Ekupheleni nokulingana ngonyaka masheya ngenxa ukuguqulwa singezelelwe ngemvume isilawuli imalimboleko subordinated. Ngo-December odlule asebenzayo ukukhangisa umkhankaso ukuheha esisemanzini LLC "SB Bank". Isilinganiselwa nokwethenjelwa kuphela ekuqaleni 2015 kwehle kuze kufike ezingeni "C". Kodwa noma kunjalo imithombo yomphakathi babengenalo ulwazi mayelana nokwephulwa emisebenzini. Ngakho-ke, abatshali bezimali kanye enwetshiwe inkontileka yabo ku imali.

Amakhasimende wafika ukuzivikela

Hhayi ufune ukuyeka isikhungo abawuthandayo, emabhange Ubhale incwadi ukuze Central Bank ne isicelo hhayi nokuqeda ebhange. Kuye kushiwo umbono wokuthi izinkinga zezimali wazithatha ngoba ngokuwa lwemali kazwelonke, okwandisa izinga refinancing. Kodwa amakhasimende abavamile abakwazi sikulindele lezi zinguquko futhi ukuhlola izingozi ezithile. Kulesi simo, kungase kube yisiphi isikhungo credit. Akunjalo ngempela ukususa ke. Kodwa lezi zinyathelo ungazange wasebenza.

ukubuyekeza ilayisensi

Februwari 16, 2015 eshicilelwe isitatimende ukuthi sidonse DIA lenhlangano lokuthola imigomo enengqondo akuyona etholwe. Ngakho-ke, kwakukhona isinqumo ukuba bahoxe ekungeneleni emakethe ebhange shipbuilding. Ilayisensi likhishwa ngosuku olufanayo.

izizathu

Ngokwe-CBA, inhlangano yayiyizwe elimpofu kakhulu izinga kwempahla, njengoba izimali zitshalwa etholwe kahle kubantu. Lokhu kwamvulela ithuba lokunikeza ukulahlekelwa Imininingwane zemali yokuqhuba ibhizinisi kanye ukwehluleka ukufeza izibopho ukuba abakweletwayo ngalesi simo. Ngaphezu kwalokho, lokhu kusho ukuthi ibhange enikeziwe izitatimende ezingamanga ukuthi afihle izinkinga ezikhona. Abanikazi abazange bazame ukulungisa isimo.

Ukusungulwa isikhathi eside kwaba ngokuzimisela ukuthengiselana repo phezu exchange isitokwe (eMoscow). kabili SB Bank ehluleka ukuhambisana nezibopho zayo ngoJanuwari 2015. izikweletu Ubude zaba ruble ezingaphezu kwezigidi eziyizinkulungwane ezingu-2. Ngenxa izibambiso obumbi bomnotho devalued, okuyinto zitshalwa izimali. Kwakheka ucingo margin: ebhange ayikwazanga ukuletha imali nokuphepha Central Bank. Ngenxa lezi zinkinga ngo-2008, Sviaz-Bank bakhubeka phansi kabusha, futhi "Kit Finance" sekuqediwe.

Esebiziwe margin kuyonezela inkinga LLC "KB" shipbuilding Bank ". Izibuyekezo amaklayenti uqinisekise ukuthi izinkampani uzamile ukubuyisela imali. Isilinganiso exchange ukusungulwa washintsha ukuze olandelanayo. Njengoba ebhange wayesekhathele ukubolekisa medium- futhi eside ukuba izinhlangano ezingokomthetho, akha inzuzo eliphansi iphothifoliyo loan. kujwayeleke zezimali ziyamaniswa nokungangeni kusukela zokweboleka ukuthi akuzange kusebenze.

izikhulu Bank bathi izinkinga zibe ngenxa revaluation ka federal loan izibopho. Disemba 16 OFZ ukuvuthwa e 2028 usuku bawela 53% ngaphambili (Disemba 2019) - kuze kufinyelele 65.1%. Ngokusho idatha olungekho emthethweni, dovnesenie izimali e Central Bank zaba ruble ezingaphezu kwezigidi eziyizinkulungwane ezingu-2. Zonke amabhange asebenza ngaphansi lokuyihlenga mbhoshongo ibhekene nezinkinga ezimbili kanyekanye: ukhulisa amazinga Central Bank futhi sandise eseduze phezu exchange isitokwe. Ngokukhethekile ku shipbuilding yasebhange 12% izikweletu okungenzeka ehilelekile izibambiso.

Ngokomthetho, uma ibhange kungakapheli amasonto amabili ayikwazanga nezimfuno abakweletwayo, Central Bank kungenzeka ukubuyisa ilayisensi. Ukuthi kwenzekani ngempela.

ukubuya imali

SB Bank, izinkinga okuyinto eyayingeke ixazululwe uyobhujiswa ingakapheli iminyaka emibili. Izinkokhelo ngowokuqala emabhange iqale ngo-2 Mashi. Njengoba ibhange eyayihilelekile uhlelo umshwalense idiphozi, amakhasimende akwazi 100% we idiphozi, inqobo nje uma isamba yayo ngesithakazelo esingeqile 1.4 mln. Ruble. Eyokuqala, kube khona ukwenanana ezifakwa ngabanye. Inani imali kuyinto 21,8 Bln. ruble.

isiphetho

Ekupheleni 2014 ngesikhathi shipbuilding yasebhange unezinkinga zezimali. Ngenxa yalokho, ama-akhawunti amaningi izinhlangano ezingokomthetho kanye osomabhizinisi ngamanye ziye simisiwe. kwakungenakwenzeka ukubuyisela isimo bebodwa ngenxa ikhwalithi embi kuphothifoliyo loan. A ibhange elikhulu nohlobo unqabile sanitize kusungulwe.