SB Bank: ƙalubalantar AMINCI rating

SB Bank aka kafa a shekarar 1994 a birnin Moscow. Kungiyar ne da iyaye kamfanin na kudi kungiyar, wanda ya hada da aka jera ZPIF "Mart Realty" da kuma SB Bashi bayar Limited. A sakamakon maimaita sake saka alama na ma'aikata samu cikin gajeren sunan CB "SB-Bank." Kungiyar ta yi aiki da kyau kamar yadda a hanzari girma, mayar da hankali a kan kamfanoni da abokan ciniki. Yana bautarka da 80th wuri a saman ɗari, da na uku - a cikin kasa ranking.

SB Bank: kalubalen

The suna daga cikin ma'aikata fara deteriorate a marigayi 2014, lokacin da count na IP da kuma shari'a abokai an daskarewa. A kan Forums, mutane koka game da Ba amince biya CB Shipbuilding Bank. Abokin ciniki reviews nuna babban yawan matsaloli saboda da marigayi biyan haraji, sakamakon bugun fanareti da spoiled dangantakar da kwangila.

Ko da yake wani ɓangare na biya tukuna aka za'ayi. 14 Janairu, 2015 zartar da aiki, ba da umarnin a ranar 26 ga watan Disamba. Bisa ga doka a kan ma'amala tsaye a waje domin kwanaki uku. Saboda gaskiya cewa SB Bank ba rike biya, mafi yawan abokan ciniki da aka tilasta watsi kungiyar na ayyuka. A daidai wannan lokaci, da yawa lura da m hali na ma'aikata da suka shawara a kan ƙulli daga asusun, wanda ba quite misali ga halin da ake ciki kamar wannan.

Ba da da ewa akwai da'awar da waɗanda suka yanke shawarar ci gaba da hadin gwiwa tare da "CB" SB Bank ". A matsaloli da aka ninkawa a lokacin da kungiyar ta fara canza a cikin" Dashboard "aikace-aikace a kan ranar biya. A tsarin ya nuna lokacin samuwar biyan umarni, rasit na ta aiki da kuma zare kudi. Wadannan kwanakin an sabunta kullum.

SB Bank tare da biyan kudi matsaloli kokarin warware ta bude jerawa gazawar gudanar da ayyukan. A saboda wannan dalili wani sabon lissafi da aka halitta 47418. Yana nuna yarda ga kisa da kuma aika zuwa Babban Bankin na aiki, amma saboda rashin kudi a kan wakilinmu asusun, wadannan ma'amaloli an koma zuwa raba index katin. Ana ɗaukaka data a kullum, da banki yana kokarin rage yawan buƙatun a cikin fayiloli. Amma lokacin da Ana saukewa da fasaha fayil iya ganin real ranar da samuwar takardun. A sakamakon haka, a kan Janairu 27 da ma'aikata da aka gaba daya katse daga tsarin lantarki ma'amaloli da Central Bank.

talla yakin

Don magance wannan halin da ake ciki, don dakatar da outflow na babban birnin kasar da kuma rage kudi wadata gaira, kungiyar ta fara bayar da mutum yanayi a adibas. Mafi yawan mutane da suka yi ba su sani ba game da matsaloli, sun shiga wani sabon gyarawa-lokaci kwangila. Kuma idan ajalinsu ya ƙare, shi ya bayyana cewa SB Bank ba rike biya, da kuma ba ya mayar da adibas. A wannan lokacin riga sarrafa ta wucin gadi gwamnati.

A sabuwar iyaka

a kan tsabar kudi janye hani da aka gabatar ba tare da kafin sanarwar da biyan bashin: daga ATMs - 40 dubu rubles (ko da tare da bashi "Premium +") da kuma 100 dubu - ga sauran abokan ciniki. Ga wadanda suke so su sami wani babban adadin, ku yi kowace ranar ajiye dubu 100 A daidai wannan lokaci wakilan banki jãyayya da cewa hani a kan tsabar kudi withdrawals sun kasance kullum. Kamar yanzu iyãkõkin sun canza. A shekarar 2013, ba tare da kafin aikace-aikace za a iya cire miliyan daya rubles. A 2014, wannan adadin da aka halved, kuma a shekarar 2015 riga amounted zuwa 300 dubu rubles.

rating

Gaskiyar cewa banki ne fuskantar liquidity matsaloli saboda mutane da yawa abokan ciniki da aka cikakken mamaki. Back a 2014 da National Rating Agency Rate ma'aikata "AA-". A ƙarshen shekara hannun jeri 'ãdalci saboda hira da aka ƙara da izni na mai kula da subordinated rance. A watan Disamba na karshe aiki talla yakin ya jawo hankalin adibas a LLC "SB Bank". Rating AMINCI kawai a farkon 2015 rage zuwa matakin "C". Amma ko da daga baya da jama'a kafofin da wani bayani game da take hakki a cikin ayyukan. Saboda haka, zuba jari da kuma mika su kwangila a kan adibas.

Customers zo da tsaro

Ba so ba up suka fi so ma'aikata, ajiyar sun rubuta wata wasika zuwa ga babban bankin tare da wani request ba to liquidate banki. An bayyana ra'ayin cewa liquidity matsaloli sun taso ne saboda na auka na kasa kudin, kara refinancing kudi. Amma talakawa abokan ciniki ba su iya jira wadannan canje-canje da kuma tantance su kasada. A wannan halin da ake ciki, yana iya zama wani bashi ma'aikata. Ba dole ba ne kawar da shi. Amma wadannan matakan ba aiki.

lasisi review

Fabrairu 16, 2015 ta buga wani bayani cewa jawo hankalin da DIA ga dawo da kungiyar kan m sharuddan da aka ba samu. Saboda haka, akwai wani yanke shawarar janye daga kasuwar da banki Shipbuilding. A lasisi aka janye a wannan rana.

dalilai

Bisa ga CBA, kungiyar da aka sosai matalauta kadara quality, kamar yadda kudi zuba jari yadda ya kamata samu daga daidaikun mutane. Wannan ya kai ga wani total asarar babban birnin kasar da kuma gazawar cika alkawurra to bashi. Haka kuma, bankin ya bayar ƙarya kalamai da cewa rufe data kasance matsaloli. The masu yi kokarin gyara halin da ake ciki.

Da kafa wani dogon lokaci kasance mai aiki takara a cikin repo ma'amaloli a kan stock musayar (Moscow). SB Bank sau biyu kasa cika da wajibai a watan Janairu 2015. Jimillar bashin amounted zuwa fiye da biliyan 2 rubles. Saboda da tattalin arziki da rikicin devalued Securities, wanda aka kashe kudi. Kafa wani gefe kira: bankin bai iya isar da kudi da kuma tsaro a cikin Central Bank. Saboda wadannan matsaloli a 2008, Sviaz-Bank fadi a karkashin reorganization, da kuma "Kit Finance" an shafe ta.

Bayan gefe kira za kawai tsananta matsalar LLC "KB" Shipbuilding Bank ". Reviews na abokan ciniki tabbatar da cewa kamfanonin sun yi kokarin dawo da kudi. The musayar rabo domin kafa canza zuwa ra'ayin mazan jiya. Tun da banki ya fita matsakaici- kuma dogon lokacin da rance ga doka abokai, kafa wani low yawa na aro fayil. normalize liquidity inflows daga aron shi bai yi aiki ba.

Bankin jami'an ce cewa matsaloli sun taso ne saboda na revaluation na tarayya, rance shaidu. Disamba 16 OFZ da balaga a 2028 domin ranar fadi zuwa 53% a farkon (Disamba 2019) - har zuwa 65.1%. A cewar unofficial data, dovnesenie kudi a cikin Central Bank amounted zuwa fiye da biliyan 2 rubles. All bankuna da aiki karkashin repurchase dala fuskanci biyu matsaloli lokaci guda: kiwon rates na Central Bank da kuma kara da tabbaci a kan Stock Exchange. Musamman a Shipbuilding banki 12% na wajibobi sun a da hannu a Securities.

By dokar, idan banki a cikin makonni biyu da ikon biyan bukatar bashi, Babban Bankin zai iya soke wani lasisi. Abin da faru.

da dawowar adibas

SB Bank, da matsaloli wanda ba za a iya zaunar, za a shafe ta a cikin shekara biyu. A farko biya zuwa ajiyar fara ranar 2 ga watan Maris. Tun da banki na da hannu a cikin ajiya da inshora tsarin, abokan ciniki iya samun 100% na ajiya, bayar cewa ta ware Naira Miliyan Xari da ban sha'awa ba wucewa 1.4 miliyan. Rubles. A farko za a sãka masa ba fãce adibas na mutane. Total adadin adibas ne 21.8 biliyan. Rubles.

ƙarshe

A karshen shekarar 2014 a Shipbuilding banki da ciwon liquidity matsaloli. A sakamakon haka, da yawa asusun na doka abokai da kuma 'yan kasuwa mutum an daskarewa. shi ba zai yiwu su mayar da halin da ake ciki a kan nasu saboda matalauta ingancin aro fayil. A babban bankin ki sanitize da kafa.