«Zlatobank" reviews with good shade which is now difficult to find due to its bankruptcy, it began its history in 2008.He specialized in providing financial services to individuals and legal entities.At the height of its activity the financial institution was a member of the Association of Ukrainian Banks, he acted as a full member of SWIFT systemIn accordance with the size of regulatory capital and assets, an institution belonging to the second group of banks.
Shareholders and last reporting
shareholders of financial institutions "Zlatobank", reviews of which are filled with indignation at the recent inability to meet its financial commitments is LLC "Avangard-Expo" (97.94%) and OOO "Agrobudkonsalting" (2.6% of the shares).
Bank's financial performance in the first quarter of 2015 clearly show that the financial institution is not just a problem of liquidity, it is completely insolvent.Net profit for the last reporting period amounted to 484 474 hryvnia -2.Shareholders' equity corresponded institutions -1,973,642 UAH., And the amount of assets was equal to 5,877,985 USD.Here it is possible to mention the amount of the debt, which today equals 7,851,628 USD.
first complaint
first reviews of "Zlatobank" in a negative way began to appear towards the middle of the fall of 2014.Mass rained reports that the bank violates the terms of the deposit agreement.Initially, there were reports of delayed payments and refusal to return dollar deposits.
little later spread information from investors that the bank altogether stopped issuing funds.Unhappy people could not take their money, and the bank's employees and some could not talk about what is happening within the financial institution.On "Zlatobank" reviews with indignation poured an avalanche of customers.People talked about stopping the service accounts for failures in transfers of resources and the long delays in the payroll and pensions.
Transitional Administration attempts to remedy the situation
After a huge amount of disgruntled comments from the public on February 14 NBU has appoint temporary administration.Appointed to the post of head of a leading expert in the settlement of bank insolvency Slavinskiy Valery FGVFL.Temporary administration functioned in the period from 14 February to 13 May 2015 inclusive.
formal decision that the financial institution "Zlatobank", reviews of which in times of lack of liquidity problems were just good, is insolvent, were issued by the NBU number 105 of February 13.At the time of introduction of the interim administration of the institution assets equaled to 7.8 billion hryvnia, which provided 28 position among the country's banks.
What was the prerequisite for the introduction of an interim administration?
On the establishment of "Zlatobank" reviews of employees and customers has always been positive.Formally, the cause of the introduction of the interim administration was not only resentment on the part of the deceived customers, but also for investors holding risky operations that were carried out on February 12, in spite of the strict prohibition on the part of the regulator.Start early difficulties and malfunctions were recorded in early August.Despite the fact that at that time there were complaints from customers is very rare, liquidity problems have already occurred.This led to the decision of the NBU August 19 to enter the structure of the financial institution's curator.
recognition of the bank's troubled
The first assumption is that "Zlatobank" closed, began to appear in early December.This is due to the fact that despite the introduction of the curator, the financial situation continued to deteriorate in the institution.December 4, 2014 financial institution has received the official status of the problem, and in this period all customers experienced difficulties in the organization itself.
regulator put forward the demand to shareholders to improve the health of the asset, but the measures taken by the financial institution did not include actions aimed at improving the situation.Moreover, even a plan that was presented to the financial institution for the recovery of the latter, has not been made.Despite the current situation, the Pension Fund of Ukraine has officially announced January 30 that extends contract with a financial company until April 1.
closed due to insolvency
February 13, 2015 by the Fund of guaranteed deposits received an official statement saying that "Zlatobank" closed.According to data provided by the agency at the close of the financial institution has been issued about 115 thousand of deposits, the total volume of which amounted to 4.2 billion hryvnia.Under warranty State got about 97.4% of depositors.
In the face of the owners of the bank were Elena and Olga Yakimenko (mother and daughter).Some unofficial sources attributed Leonid Yurushev relationship with the bank, as evidenced by the events that took place on the eve of the opening of "Zlatobank."While Yurushev sells bank "Forum" to the Germans, which in the post top manager worked it Elena Yakimenko.As a result of the fact that "Zlatobank 'liquidity problems and was unable to solve, he officially became the sixth bank in Ukraine in 2015, which was closed for insolvency.
What attempts were made to keep the institution afloat?
Fund has guaranteed deposits held until March 2, receiving documentation from potential investors, which would confirm their qualification.The Foundation is actively seeking people who might withdraw from the market a financial institution in one of three ways:
- partial or complete alienation of assets with liabilities of the bank in the direction of the receiving financial institution.
- formation and sale of the bank's transition to a third party in conjunction with all assets and liabilities.
- Integrated sale of the bank.
Due to the fact that the process is not successful until March 2, the procedure was formally extended to 13 numbers.According to estimates FGVFL, the amount of possible compensation for losses equivalent to 925.47 million hryvnia.The volume of funds for February 14 not only on the deposit, but also on ordinary accounts amounted to 3.622 billion hryvnia.
What are the obligations of the bank resigned?
mass panic among customers began when rained on "Zlatobank" feedback from dissatisfied customers.Deposits do not give, do not answer questions in the future action plan is not devote account is service - it's not all that can be found in the comments.An avalanche of indignation is understandable that the first of January 2015, even before the second devaluation of the hryvnia, volume of deposits was equal to 3.2 billion hryvnia.More than 81% of deposits at the time it was issued in foreign currency.As mentioned above, the number of contributors has reached 115 thousand, but not everyone can expect to pay.Only 112 thousand customers, the amount of deposits that do not exceed 200 thousand hryvnia can expect compensation.
The structure includes bank deposits uncompensated metal deposits, the total amount of 600 million hryvnia.According to the NBU exchange rate issue is not less than about 591 kilogram of the precious metal.Financial institutions took under 3% per annum metal deposits of 50 grams, which, in accordance with the law are not subject to state insurance system.If you believe that talking about the establishment of "Zlatobank 'reviews, deposits in this category were the most attractive in the financial Ukrainian market.
Reviewed banking license and liquidation
Institution "Zlatobank" financial problem is very serious.This is evidenced by the decision of the National Bank under number 310 of May 12, to revoke the license of the financial institution.Furthermore, it adopted a resolution on the start of the liquidation procedure.
author of the resolution was the management fund of guaranteed deposits, and the post was entrusted to the liquidator Valeria Slavinskogo who will hold the post for one year, on May 1, 2016, inclusive.Indirect control of the financial institution is still owned by Elena Yakimenko.
payments of compensations to victims investors
After the huge number of applications that "Zlatobank" does not give out deposits, its investors can finally relax.On May 20, 2015 began paying customers through the offices of "Oschadbank."The official website of the Fund of guaranteed deposits available information that the payment will be carried out before 1 July 2015.If depositors for some reason do not turn into one of the agent bank fund in the period before July 1, the payment they will be carried out on the basis of the examination of individual written requests to the FGVFL until such time as the record of the liquidation of a financial institution will not be officially introducedin the Unified State Register of Legal Entities level.
Starting from May 20, conducted through compensation payments to depositors of the financial company "Standard", but only under the contracts, the validity of which ended before 29 April 2015.Continued payment cardholders and owners of bank accounts.Cash can also be obtained through the offices of "Ukreximbank".Turning to one of the branches of the Fund's partners, is carrying a passport and a document certifying the assignment of the registration number of the registration card of the payer of taxes.Payments are now being successfully implemented with all the interest, up to the adoption of the NBU decision to recognize the financial institution insolvent.Compensation is not available only to those depositors (about 3 million customers), the size of the deposit exceeds 200 thousand hryvnia.
