"Zlatobank": dib u eegista. "Zlatobank" xirtey?

dib u eegista "Zlatobank" la hadh wanaagsan kuwaas oo hadda waa adag tahay in la helo sabab u kacday, waxay bilaabeen in ay taariikhda sanadkii 2008. Wuxuu ku takhasusay bixinta adeegyada dhaqaale shakhsiyaadka iyo hay'adaha sharciga ah. At height ah ee uu waxqabad ee hay'adaha maaliyadeed ahaa xubin ka mid ah Ururka Bangiyada Yukreeniyaan, u dhaqmeen sida xubin buuxa fuliya nidaamka deg deg ah si waafaqsan size ee caasimada sharciyeed iyo hantida, hay'ad ka tirsan kooxda labaad ee bangiyada.

Saamilayda iyo warar final

The saamileyda hay'adaha maaliyadeed "Zlatobank", dib u eegista ah kuwaas oo buuxisay dhirif oo xidhiidh la leh adagtahay ee dambe in ay la kulmaan waajibaadka dhaqaale ay yihiin LLC "Avangard-Expo" (97.94%) iyo OOO "Agrobudkonsalting" (2.6% saamiga).

Tilmaamayaasha dhaqaale ee rubuca koowaad ee 2015 si cad u muujinaya in hay'ad maaliyadeed aan dhibaato oo kaliya la hantidooda, waa si buuxda u tabar gaba. faa'iido Net of bangiga ee la soo dhaafay muddada warbixintan lacag -2.484.474 hryvnia. hay'ad Equity Dirk -1.973.642 uah., Iyada oo qadarka hantida wuxuu u dhigmaa 5.877.985 USD. Halkan waxaan sheegi kartaa cadadka deynta, taas oo maanta u dhigmaa 7.851.628 USD.

Cabashada ugu horeysay

The dib u eegista ugu horeysay ee "Zlatobank" si xun waxay bilaabeen inay u muuqdaan dhinaca dhexe ee dayrta ee 2014. Ballaaran shubay wararka sheegaya in bangiga ku xadgudba shuruudaha heshiiska deposit. Markii hore, waxaa jiray warbixino dib u dhac ku ah bixinta iyo diidmada uu ku soo laabto kayd dollar.

ka dib wax yar A macluumaad faafin ka maalgashadayaasha in bangiga wadajir joojiyay bixinta hab. dadka cadhaysan ma qaadan karto lacagta, iyo shaqaalaha bangiga iyo ku dhowaad oo aan la hadli kartaa ee ku saabsan waxa ka dhacaya gudahood Hay'ad maaliyadeed. On "Zlatobank"-celin ka macaamiisha dhirif shubay gebiyo. Dadka hadlay oo ku saabsan adeegga stop biilasha ah, eed wareejinta iyo dib u dhac dheer ee mushaharka iyo lacagta hawlgabka.

maamulka ku meelgaarka ah iyo isku day in la saxo xaaladda

Ka dib markii tiro aad u badan oo ah jawaab-celin ka dadka cadhaysan NBU horeba 14 February magacaabi maamulka ku meel gaar ah. Loo magacaabay madaxa khabiir ah taasoo keentay in dejinta ee muranada bangiga Slavinskiy Valery FGVFL. Maamulka Kumeelgaarka ahaa shaqeeya in muddada u dhaxaysa 14 February 13 May 2015 loo dhan yahay.

go'aan rasmi ah in hay'ad maaliyadeed "Zlatobank", dib u eegista ah taas oo ay ka maqan yihiin dhibaatooyinka hantidooda ahaayeen wanaag keliya, waa musallif, ayaa soo saaray NBU № 105 oo taariikhdiisu tahay 13 February ah. Waqtiga hordhaca ah ee maamulka kumeel gaarka ah ee hantida hay'adda ayaa barbareeyay in 7.8 bilyan oo hryvnia, taas oo uu bixiyo 28 jago ka mid ah bangiyada ee dalka.

Taasi waxay ahayd shardi u tahay hordhaca ah ee maamulka ku meel gaar ah?

On abuuritaanka "Zlatobank"-celin ka shaqaalaha iyo macaamiisha ayaa had iyo jeer wanaagsan. Si rasmi ah, sababta oo ah hordhaca ah ee maamulka ku meel gaarka ah ma ahaayeen xanaaq kaliya on qayb ka mid ah macaamiisha khiyaanayn, laakiin sidoo kale maal-haya hawlaha khatarta ah, kuwaasi oo ay ku qaadeen on February 12, inkastoo ganaax adag oo ku saabsan qayb ka mid ah jaangooyaha ah. Bilowgii dhibaatooyinka ugu horeysay oo ayna laga diiwaan hore August. In kasta oo xaqiiqda ah in waqti in ay jireen cabashooyin ka macaamiisha aad u dhif ah, dhibaatooyin la xiriira hantidooda hore u qaaday. Tani waxay keentay in go'aanka NBU August 19 inay galaan qaab dhismeedka maaliyadeed ee curator machadka.

Aqoonsiga dhibaatada bangiga ee

Waswaasiyo ugu horeysay ee "Zlatobank" xiray, waxay bilaabeen inay u muuqdaan in hore December. Tan waxa u sabab xaqiiqada ah in inkastoo hordhaca ah ee curator ah, xaaladda dhaqaale ee hay'adda sii xumaaday. December 4, 2014 hay'ad maaliyadeed ayaa helay xaaladda rasmiga ah ee dhibaatada, iyo inta lagu jiro xilliga this ururka macaamiisha oo dhan dhibaatooyin la kulmeen naftooda on.

jaangooyaha ayaa horey dalabka ah in la saamileyda si loo wanaajiyo caafimaadka ee hantida, laakiin talaabooyinka ay qaadeen hay'ad maaliyadeed ma waxaa ka mid ah tallaabooyinka loogu talagalay hagaajinta xaaladda. Waxaa intaa dheer, xitaa qorshe in la soo gudbiyaa si ay hay'ad maaliyadeed baxnaaninta doonana, oo aan la fuliyay. Inkastoo xaaladda hadda jirta, fund hawlgabka ee Ukraine ayaa si rasmi ah January 30 in kordhiyay heshiis ay la gaareen shirkada dhaqaale ilaa April 1.

Xidhan sabab u muranada

February 13, 2015 qoraal rasmi ah ka qasnadda deposit balan qaadayo helay in "Zlatobank" xidhay. Sida laga soo xigtay xogta ay bixiyeen hay'adda waqtiga xiritaanka ku saabsan 115 kun oo ka mid ah kayd uu soo saaray in hay'ad maaliyadeed, mugga guud ee taasoo noqonaysa in 4.2 bilyan oo hryvnia. Under damaanad State helay oo ku saabsan 97,4% ee bankiga.

In wajiga of milkiilayaasha bangiga ayaa Elena iyo Olga Yakimenko (hooyada iyo gabadheeda). Qaar ka mid ah ilaha aan rasmi ahayn la Wadaajiyey Aaway xiriirka Leonid Yurushev bangiga, sida laga arday dhacdooyinka ka dhacay maalin ka hor furitaanka "Zlatobank". Iyadoo Yurushev iibiyo bangiga "Forum" u Jarmalka, taas oo ahayd Elena Yakimenko shaqeeyay tababaraha xilka ugu sarreeya. Sidaas darteed xaqiiqada ah in "dhibaatooyin hantidooda Zlatobank 'oo aan go'aan ka gaari waayay in uu si rasmi ah u noqday bangiga lixaad ee Ukraine ee 2015, taas oo la xidhay muranada.

Waa maxay isku day ayaa la sameeyey si ay u sii hay'adda sabbaynaya?

Fund oo ah kayd damaanad qaaday ka hor March 2 qaatay waraaqo ka maalgashiga, kuwaas oo xaqiijin karaan in ay ku baxdo qaata. Sanduuqa waxaa si firfircoon doonaya dadka keeni kara hay'ad maaliyadeed oo la suuq ku yaalla mid ka mid ah saddex siyaabood oo:

• diidniintayda qayb ahaan ama gebi hantida ka waajibaadka bangiga ee ku wajahan hay'ad maaliyadeed ka helaan.
• The formation iyo sale of bangiga xisbiga saddexaad ee adag kala guurka ah oo dhan hantida iyo deymaha.
• Integrated Bank for sale.

Sababo la xaqiiqada ah in geeddi-socodka ma aha guul ilaa 2 March, nidaamka ayaa si rasmi ah u kordhiyay ilaa 13 lambarada. Sida ay sheegayaan qiyaasaha FGVFL, lacagta gunnada suuragal ah in khasaare u dhiganta 925,47 million hryvnia. Xaaladdan oo kale, xaddiga lacagta on February 14 ma aha oo kaliya on deebaajiga, laakiin sidoo kale on xisaab caadiga ahayd 3,622 bilyan oo hryvnia.

Waa maxay waajibaadka bangiga iska casilay?

argagaxa Mass ka mid ah macaamiisha bilaabay markii roob "Zlatobank"-celin ka macaamiisha ku qanacsanayn. Dhigashada aadan siinin, ma ka jawaab su'aalaha, in koorsada soo socda garoomada ma account sooco waa adeeg - waxa uu aha in la heli kari waayay in comments oo dhan. Gebiyo ee cadhada sharxay by xaqiiqada ah in ugu horeysay ee January 2015, xitaa ka hor inta labaad qiima ah hryvnia ah, mugga of lacag dhigaal ah wuxuu u dhigmaa 3.2 bilyan oo hryvnia. In ka badan 81% ka mid ah kayd waqtiga waxaa la soo saaray ee lacagaha qalaad. Sida kor ku xusan, tirada maal gaadhay 115 kun, laakiin qof kasta oo aan ka filan karaa in ay bixiyaan. macaamiisha oo kaliya 112 kun, mugga kayd aan ka badnayn 200 kun oo hryvnia filan kartaa magdhow.

Dhismaha darsaday bedelo ka mid kayd biraha bangiga, wadarta guud ee taasoo noqonaysa in 600 milyan oo hryvnia. Sida laga soo xigtay NBU arrinta sarrifka waa aan ka yarayn oo ku saabsan 591 kiilo ee biraha qaali ah. hay'ad maaliyadeed ka yar 3% per kayd biraha sanadkii of 50 garaam, taas oo, si waafaqsan sharciga ma waxaa waajib ah in nidaamka caymiska gobolka qaaday. Haddii aad aaminsan tahay in hadalka ku saabsan abuuritaanka dib u eegista "Zlatobank", kayd of this category ahaayeen ugu soo jiidashada badan ee suuqa dhaqaalaha Yukreeniyaan.

Noqoshada liisanka bangiyada iyo badanoo

Hay'adda "Zlatobank" Dhibaatada dhaqaale waa mid aad u halis ah. Tan waxaa lagu xukumi karaa sida ay go'aanka NBU hoostiisa lambarka 310 ee May 12, si ay u noqoto liisanka ee hay'ad maaliyadeed. Intaas waxaa sii dheer, waxa la ansixiyay go'aan ku saabsan bilowga hanaanka badanoo.

Qoraaga of xalinta ahaa fund maareynta kayd damaanad qaaday, iyo booska uu ka liquidator ayaa lagu aaminay Valery Slavinskogo kuwaas oo qaban doona boostada muddo hal sano ah, on May 1, 2016, loo dhan yahay. gacanta ku dhex dhexaadin ah hay'ad maaliyadeed ayaa weli iska leh Elena Yakimenko.

Bilow ee bixinta magdhow inay maal-saameysey

Ka dib markii tirada badan ee codsiyada ku saabsan yahay in "Zlatobank" uusan bixin lacag dhigaal ah, maal-ay ugu dambeyntii nasato karaa. On 20 May, 2015 bilaabay bixinta macaamiisha iyada oo xafiisyada "Oschadbank." website-ka rasmiga ah ee Fund ee kayd ballan qaaday macluumaad la heli karo in lacagta lagu qaban doonaa ka hor 1 July 2015. Haddii bankiga ee bangiga, sababo wax kasta, ha u jeedin mid ka mid ah bangiyada wakiilka Fund muddo ka hor 1 July galay, lacagta ay waxaa lagu fulin doonaa iyadoo ay ku saleysan baaritaanka codsiyada shaqsi ku qoran cinwaanka FGVFL ilaa waqti sida diiwaanka badanoo ka mid ah hay'ad maaliyadeed si rasmi ah uma soo galay doono in Register gobolka Midaysan ee heerka hay'adaha sharciga ah.

Laga bilaabo 20 May, lagu qabtay lacagta magdhowga inay bankiga guud ganacsi dhaqaale "Standard", laakiin kaliya hoos qandaraasyada, ansaxnimada oo ka hor 29 April 2015 ku dhamaaday. Sii-bixinta si ay u heysata kaararka caaga ah iyo dadka haysta account bangiga. Cash waxaa laga heli karaa iyada oo loo marayo xafiisyada "Ukreximbank". Jeestay mid ka mid ah laamihii-hawlgalayaasha Sanduuqa iyaga la waa in ay leeyihiin baasaboor iyo dokumenti caddaynaya shaqo ee lambarka diiwaangelinta kaadhka diiwaangelinta qofka ee canshuurta ah. Lacagta waxaa lagu guul leh loo fuliyey, iyada oo la tixgelinayo oo dhan kor u qaaday xiisaha ay u taariikhda la ansaxiyo go'aanka NBU ku saabsan aqoonsiga hay'ad maaliyadeed gaba. Magdhawga aan la heli karin oo kaliya kuwa bankiga (qiyaastii 3 milyan oo macaamiil ah), lacagta deebaajiga ka badan 200 oo kun oo hryvnia.