"SB Bank": liquidity nsogbu

"SB Bank" ma ọ bụ "SB Bank" liquidity nsogbu ji anya ya hụ, tinyere ndị ọzọ Russian mmiri ke mbubreyo 2014. Oge a bụ ọnụ ọgụgụ kasị elu nke aku nsogbu. The ọdịda nke ruble, mbelata na mmanụ ahịa, ejighị n'aka mpụga aku mmekọahụ, na ọtụtụ ihe ndị ọzọ na-enwe mmetụta na-n'ezie ihe omume.

The mbụ ukara okwu

"SB Bank" okwu na ọrụ ya malitere inwe ọbụna tupu ọ bụ ukara okwu. Ọ bụ January 16, 2015 na ihe isi ike ihu site n'aka alụmdi, e mere n'ihu ọha. N'ezie, akpa mebiri iwu nke ọrụ wee ebe ke mbubreyo 2014. Ọ bụ n'oge a malitere disruptions na ịkwụ ụgwọ nke akakabarede ụdị. Izipu ego si otu akwụkwọ ego na akaụntụ ọzọ na oru na a bukwanu oge. Ụlọ ọrụ iwu kwadoro na-eche na kwa ụbọchị amara oge mgbe nyefe nke ego. Ọnọdụ a kọwara dị ka a N'ihi ya nke ụlọ ọrụ ahụ si management n'elu ahịa ọrụ. Na nke a ego na alụmdi na "SB Bank" nsogbu na-adịghị akwụsị ebe ahụ. Site na njedebe nke January, ugwo nke ego malitere idiọk machibido, na ụgwọ iwu e egbu oge site 2-3 ụbọchị. The ọkachamara na-enwe ike idozi nsogbu na-eduzi repo azụmahịa.

dara ụda ọdịda

On December 1, 2014, mgbe akụ na ụba imbalances na mba naanị ka ikpo elu, "SB Bank" na okwu nke akụ ẹkenịmde 80th ebe ná mba ahụ. Na okwu nke net uru ọ bụ 22th itie ke ogo. Na 2013, ego na alụmdi bụ n'etiti 20 kasị ike rụọ na interbank ahịa. Ebe ọ bụ na n'etiti January 2015, Standard & Ogbenye mba gị n'ụlọnga kenyere a ọhụrụ fim. Status of alụmdi e omitted si "B" ogbo "CCC", nke nwere ike tụgharịrị ka a tupu ndabere ọnọdụ. na amụma e mere, dị ka nke e nwere a elu puru nke Central Bank aka n'ihe omume nke alụmdi.

The mbụ asịrị na-adịghị mma na-ekwu

"SB Bank" nke nsogbu ike izo na igbanwe ahịa ha ugbua na mmalite nkebi nke ọdịdị ahụ ha. Isi ike malitere bilie site na njedebe nke 2014, dị ka e kwuru n'elu. Ọtụtụ ahịa malitere mkpesa banyere Mbelata na ịgba na overdraft, gụnyere ochie map. E nwere a udi nke ndị mmadụ, e nwere ndị na-egbu oge nke ịkwụ ụgwọ, nke dị ka anyị na-agakwuru ndị New Year na-esiwanye ogologo. Site ufọt ufọt January dara oke na-ekwu megide ụlọ akụ n'ihi nke jụrụ akwụ onyinye. E nwere akụkọ na nke ahịa kwuru na ego alụmdi edoghi any agbanwe na ụbọchị nke nnata nke ịkwụ ụgwọ n'ụlọ akụ. Izochi nke bụ eziokwu na "SB Bank" adịghị aka ịkwụ ụgwọ, okpu. Nke a kpasuru iwe a siri ike isi obodo outflow na njọ ọnọdụ ahụ.

Ọ dịghị ohere dozie nsogbu

Financial alụmdi "SB Bank" liquidity nsogbu enweghị ike na-edozi na ha onwe ha. Ịnakọta ego si bi na 16.4 ijeri rubles, akụ ikesimaha ịnagide ha ibu ọrụ. Dị ka nsogbu ndozi na-adịghị zubere, na akụ nke management enweghị ike ịkọwa ihe mere ihe na-eme. The ịgba na issuance nke ego, nke e kwesịrị ịbụ a nwa oge ụfọdụ, jiri nwayọọ nwayọọ na-ebelata site na 100 na 50 puku rubles a ụbọchị. Dị ka a N'ihi nke na-egbu oge na ego ndị mmadụ chere ihu dị otú ahụ na ọnọdụ ndị dị njọ, dị ka mbubreyo ịtụ ụtụ isi, igbu oge na ego na mbinye ego. Andrey Egorov, bụ ndị jere ozi dị ka onyeisi oche nke ego alụmdi, n'usoro jụrụ ikwu na ọnọdụ na njedebe nke 2014. O duuru Bank kemgbe 2011 na gafere ya ike-ya, na ebe e weere site Vasily Melnikov.

Gịnị kpebisiri ike ọnọdụ ahụ?

"SB Bank" adịghị aka ịkwụ ụgwọ, anaghị akwụ ụgwọ na ego, ọ na-adịghị ebu akakabarede arụmọrụ - ndị a bụ nanị ụfọdụ nke n'ókè na aghọwo harbingers nke nsogbu na liquidity. Dị ka counterparty mmiri a dị ịrịba ama mmetụta na ọnọdụ nke revaluation nke OFZ. Karịsịa, 16 December OFZ, ugwo nke nke e mere ndokwa maka 2028, adawo na price site 12.5 ihe, nke bụ 53% nke elu ọnụ uru.

OFZ okè bịa na December 2019, mgbada n'usoro site na 11.2 ihe - banyere 65.1% nke elu ọnụ uru. Ozi isi iyi nso na-edu ndú, kwuru na ego nke ego na-aghaghị ịkwụ ego alụmdi Bank of Russia ahuroku $ 2 ijeri.

Ọnọdụ na-gbakwunyere site na-abawanye na mmasị udu, na-azụ larịị nke nnochianya dị ka akụkụ nke mgbanwe, nke mere ka a enweghị nnochianya. Ị nwere ike tinye eziokwu na banyere 12% of ụgwọ nke ewumewu, Ẹkot 10.2 ijeri rubles - bụ ego zụlitere na Central Bank.

Mere aku nsogbu dị ka e gosipụtara na akụ ahụ na-eme?

Maara nke ọma bụ eziokwu na ụlọ akụ gosiri na ego ndi oru nke mba dị ka "SB Bank" ikike kagburu ruru ala liquidity. Ọtụtụ ebe akọ na a mmetụta dị ịrịba ama na-ahụ na ego na alụmdi na akụkụ nke ụba n'onye ezi omume ojiji nke ụlọ akụ mgbagwoju atụmatụ ego, nke e ji a siri ike na nduzi na repo arụmọrụ ekenịmde ke Central Bank. N'agbanyeghị na nke a ike liquidity kwushin, mpụga gburugburu ebe obibi, kpụrụ akpụ site na njedebe nke 2014, keere òkè n'ihe omume nke akpalite na ngwa ngwa nsogbu. Nnyocha na ndị ọkachamara na mbụ sere onyinyo eziokwu na maka mmelite mma nke ego otú ọ dịghị onye ga-ulo akwukwo. "SB Bank" Russia gaa na ala, dị ka nke ọma dị ka ọtụtụ n'ime ya asọmpi.

na obere ochichi

Mgbe oge ụfọdụ gasịrị mgbe weere ọnọdụ na a ego alụmdi n'okpuru aha "SB Bank" nsogbu na ịkwụ ụgwọ, na Bank of Russia họpụtara a nwa oge ochichi. A mkpebi e weere on February 16, ọ e kpaliri site na ndọrọ ego nke ikike, na-enye nri na-eduzi ego azụmahịa. Site n'ụbọchị ndị mbụ nke iwebata ihe obere oge ochichi e nwere esemokwu nke ya na-eme. Dị ka akụkọ, na management ụlọ ọrụ "SB Bank", dozie nsogbu na ha onwe ha na nke na-emezughị, jụrụ nyefee mbụ ego nkwekọrịta. Ọ na-agba mbọ iji gbochie ohere ka obere oge ochichi contracts nnochianya na di n'okpuru ego ụgwọ ma ụlọ ọrụ iwu kwadoro na ndị mmadụ n'otu n'otu. Nke a hụrụ ka ihe àmà doro anya nke mgbalị na ndọrọ ego nke akụ si akụ.

Nke a na omume mee ka ọ gaghị ekwe omume ọ bụghị naanị na afọ ojuju nke ụgwọ 'na-ekwu, kamakwa iji nweta iwu penalties. The nnyocha nke na-arụ ọrụ nke ego oru "SB Bank" liquidity nsogbu nke ndị ka mkpa karịa na-atụ anya, na nke nke ya akụ e mere atụmatụ na 8.9 ijeri rubles, mgbe olu nke ụgwọ na ụgwọ na ego nke 48 ijeri rubles.

mebiri nke iwu

Tupu Nwepu nke ikike e kpughere na-akpali omume nke nzukọ "SB Bank". Gịnị na-eme n'ime ego alụmdi, ọ dara ịghọta ruru ka e guzobere oruru nke ibu ọrụ ndekọ. Mgbe e nwere ndị nsogbu na solvency nke nzukọ rụrụ mgbanwe nke-ekwu nke na ụgwọ na iji nke mmasị maka ha, mmejuputa iwu. Enweela a gbawara n'etiti ego ka a size na nke na ọ bụ ike iji chefuo ọnwụ site na-akwụ ụgwọ a nkwụnye ego insurance gị n'ụlọnga. Omume nke mbụ management na nwe nke nzukọ ndo ekperima ọrụ. Ozi banyere ha na-eduzi site Central Bank na General ọkàiwu Office na Interior Ministry. M nwere ike-agba akaebe eziokwu na ego alụmdi maara dị ka "SB Bank", kagburu ikike iwu.

ịkwụ ụgwọ metụtara

Dị ka otu ukara nkwupụta nke Agency nkwụnye ego insurance ịkwụ ụgwọ mbụ ahịa Ọdịdị "SB Bank" ga-rụrụ dị na ụkpụrụ n'oge oge site March 1, 2015 esote afọ 2 March. Nweta ụgwọ ga-ego Bank, "VTB 24" nakwa dị ka "mmepe" gị n'ụlọnga akụ ihe ndị ruuru Khanty-Mansiysk Bank.

Mgbe March 2, 2016 na nkọwa ndị doro nke ozi ịkwụ ụgwọ ga-nyere na a iche iche iji. Akwụ ụgwọ haziri maka bụghị nanị na-akwụ ụgwọ ka nwe ego, ma na-na ahịa ndị nwere ihe ndekọ na alụmdi. On niile oghe ndekọ nchịkọta ego nke akwụ ụgwọ ga-gafere ego nke ihe karịrị 1.4 nde rubles. Na ọnụnọ nke counter-ekwu si akụ na depositor nke ego a ga-deducted si ego nke ụgwọ dị na ọdabara ụkpụrụ nke ego Insurance Agency.