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Διαδικασία ανοίγματος λογαριασμού στο εξωτερικό, επιτόκια, κριτικές. Επιτόκια Βουλγαρίας

TOPIC: Πρόβλημα στην Corporate Commercial Bank (KTB)

Πρόβλημα στην Corporate Commercial Bank (KTB) 20 Jun 2014 22:44 #1

  • vaany
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Υπαρχει προβλημα με μια τραπεζα στη βουλγαρια: bnr.bg/el
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Πρόβλημα στην Corporate Commercial Bank (KTB) 20 Jun 2014 22:50 #2

Άσχημα νέα για τους έχοντες λογαριασμό στην Corporate Commercial Bank.


Corporate Commercial Bank (CCB) has requested institutional support from the Bank and placed under special supervision because of the risk of insolvency. It said in a message to KTB Bulgarian Stock Exchange. The Bank is a public company. From The Bank believes that this will provide a guarantee to protect the interests of its clients, and the restoration of its banking activities. Communication CCB says "We are witnessing an unprecedented campaign against the bank in that were involved and the judicial authorities. To protect the interests of its depositors and customers, CCB decided to seek institutional support BNB under the Credit Institutions Act, proposing the central bank CCB to put under special supervision because of the risk insolvency. We are confident that this is an additional guarantee to protect your interests (customers - Ed.), but also - for future recovery of the banking business of CCB under the direct supervision of the central bank. ". According to the bank is not an easy step, but necessary in order to protect their customers. Shortly after the announcement of the Corporate Bank, BNB announced that Friday, June 20, "at 11.40 pm at Bulgarian National Bank had received a written notice from the management of Corporate Commercial Bank which inform the depletion of liquidity and suspension of payments, as well as all types of banking operations. On this basis and by decision of the Board of Bank Corporate Commercial Bank was placed under special supervision. From this point of shareholders' rights are taken away and appointed conservators.. " The central bank also indicated that its leadership is in direct communication with the main state institutions. Regulatirat states and that of the minority owner of Corporate Bank - Russian VTB, said interest in dialogue with Bank support of CCB

Συνοπτικά η τράπεζα ζήτησε να μπεί υπο την εποπτεία της Κεντρικής Τράπεζας της Βουλγαρίας, προ του κινδύνου της χρεοκοπίας όπως ανακοίνωσε μέχω του Χρηματιστηρίου της Σόφιας και στην συνέχεια στις 11.40 το πρωί της Παρασκευής έστειλε μια έγγραφη ειδοποίηση στην Κεντρική Τράπεζα ότι έχει εξαντληθεί η ρευστότητα της τράπεζας και ότι κηρύσσει στάση πληρωμών και όλων των ειδών τραπεζικων υπηρεσιών.
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Πρόβλημα στην Corporate Commercial Bank (KTB) 20 Jun 2014 23:02 #3

Σε συνέχεια του προηγούμενο αυτή είναι η θέση της Κεντρικής Τράπεζας

The bank is not bankrupt and not with a revoked license, closed for a period of time, as pointed out by the regulator. Putting the bank under special supervision brings difficulties in daily operations for companies bank customers - to send and receive funds from their counterparties and to pay salaries to their employees as their available resources are effectively blocked at KTB for unknown period of time up to three months at this stage.

Μετάφραση των έντονων γραμμάτων:
Η τράπεζα δεν είναι είναι χρεοκοπημένη, ούτε έχει ανακληθεί η άδεια λειτουργίας της αλλά κλείνει για μια χρονική περίοδο όπως τόνισε ο ρυθμιστής (κεντρική τράπεζα).

Οι διαθέσιμοι πόροι είναι πρακτικά μπλοκαρισμένοι για άγνωστη χρονική περίοδο διάρκειας μέχρι και τριών μηνών στην παρούσα φάση
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Πρόβλημα στην Corporate Commercial Bank (KTB) 21 Jun 2014 00:22 #4

Οι γνωρίζοντες να μας διαφωτίσουν τί σημαίνει στην πραγματικότητα η στάση πληρωμών της συγκεκριμένης τράπεζας της Βουλγαρίας και ιδιαίτερα για τους έχοντες λογαριασμό σ'αυτήν, που πιστεύω διαβάζοντας το foroum ότι είναι αρκετοί...
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Πρόβλημα στην Corporate Commercial Bank (KTB) 21 Jun 2014 01:01 #5

Χρηματοπιστωτικής Εποπτείας Επιτροπή ζήτησε από το Χρηματιστήριο της Βουλγαρίας την αναστολή της διαπραγμάτευσης σε "Corporate Commercial Bank" JSC, η οποία νωρίτερα την Παρασκευή ανέφερε ότι η περιορισμένη ρευστότητα, Τράπεζα εισήγαγε ειδική επιτήρηση της εταιρείας για τρεις μήνες.

"Σχετικά με την απόφαση του Διοικητικού Συμβουλίου της Εθνικής Τράπεζας της Βουλγαρίας από 20.06.2014g., η οποία «Corporate Commercial Bank" JSC τέθηκε υπό ειδική επιτήρηση στο πλαίσιο του νόμου περί πιστωτικών ιδρυμάτων, η Επιτροπή Χρηματοπιστωτικής Εποπτείας ανέφερε ότι εκδώσει υποχρεωτική διοικητική πράξη για να ' βουλγαρική Χρηματιστηρίου της Σόφιας "να αναστείλει τη διαπραγμάτευση των μετοχών της εταιρίας" Corporate Commercial Bank "AD μέσα 23.06.2014g. να 25.06.2014g., συμπεριλαμβανομένου του ", ανέφερε σε δήλωσή του το FSC.

Η Επιτροπή διαπίστωσε ότι το μέτρο είναι αναγκαίο για την προστασία των επενδυτών και ηρεμώντας και τη σταθεροποίηση της αγοράς.

«Θα ήθελα να δηλώσω ότι δεν υπάρχουν οικονομικές και οικονομικούς λόγους για τις αρνητικές προσδοκίες για την ανάπτυξη της αγοράς κεφαλαίων της Βουλγαρίας», λέει ο FSC.

Πρωθυπουργός Ορεσχάρσκι και ο υπουργός Οικονομικών Peter Tchobanov εξέφρασε την υποστήριξή του για τις ενέργειες της Τράπεζας σταθεροποίηση της KTB AD.

"Εάν είναι απαραίτητο, η βουλγαρική κυβέρνηση θα στηρίξει την Τράπεζα όλες τις απαραίτητες ενέργειες και τους πόρους, "είπε σε μια δήλωση της κυβέρνησης.
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Πρόβλημα στην Corporate Commercial Bank (KTB) 21 Jun 2014 01:28 #6

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Πρόβλημα στην Corporate Commercial Bank (KTB) 21 Jun 2014 03:14 #7

  • Mark.G (Argyk)
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Exactly one week was needed to lead the combined media, prosecutorial and judicial pressure to the temporary closure of Corporate Commercial Bank (CCB). Open warfare between the partners until recently - MP Delian Peevski and majority owner of the bank Tsvetan Vassilev, exchange of interviews and newspaper publications successfully shied depositors fourth largest financial institution.

On Friday at noon in front of the plant and a lot of bank branches curled tails. KTB was forced to formally request the Bank to put under special supervision because of the risk of insolvency. Shortly thereafter, the branches began to close.

Bank also announced that at 11:40 notified by the Bank's management, informing about running out of liquidity and suspension of payments, as well as all types of banking operations.

What happens

Special supervision is provided by law procedure for rescuing a bank. He can not go to six months by law. At a special press conference, which involved the entire board of the Central Bank, the Bank announced that in this case it will be for 3 months. Appointed and two conservators - Christina Stamova and Slavyana Danailova that virtually take control and management of the bank.

Hereinafter the central bank has an arsenal of additional measures that could help stabilize the institution. BNB's decision to use most of them. For this period, the bank will cease completely and stop payment on all your debts. This practically means that deposits can not be withdrawn until then. If the examination of the Bank show that the problems are surmountable or reach a deal sooner KTB can restore operations and repay deposits and earlier.

The rights of shareholders with over 10% participation are taken away for three months - these are "Bromak" Tsvetan Vasilev just over 50 percent and the State Reserve Fund of Oman with just over 30%.

Furthermore, the Bank removed and the governing bodies of the KTB by the BNB Governor Ivan Spark is not committed to a comment you will need a capital increase. The regulator may impose it by force, including by depriving existing shareholders the right to participate in the expansion.


The least painful option is to find a buyer for the bank to support it, and BNB has already given query that will pursue this particular scenario. According to the central bank's minority shareholder has expressed interest in dialogue with the regulator support. It's about Vneshtorgbank (VTB), which has just under 10% of the capital. It is the second Russian bank assets by partnering with KTB and Vassilev and other lines - they jointly purchased BTC creditors J.

Meanwhile, up to a possible deal, the bank remains conserved. At that time, the main question that needs to meet conservators is whether the problem is only liquidity or capital hole there. That would be opened if it is proved that the portfolio of KTB is worse than officially declared. The reports of her troubled bank loans are less than 2% for almost 17% on average for the system. If it turns out that its portfolio is not worse than the average, it will take at least 600-700 million lev to cover their deletion.

This will depend on how the CCB will come after quarterly freezing. If the problem is a pure liquid, then after three months on the idea situation would have been more relaxed, especially if the bank opened a new stable owner, no serious problems. Although this will inevitably have an initial outflow of depositors who have waited three months to withdraw their money.

If you need capital support, negotiations with VTB or other candidates will revolve around that. Even if you do not reach a deal, BNB has other options to fill the capital hole. By law to be capitalized bank (where it effectively nationalized) may also be used to fund deposit insurance. There are 2.1 billion lev All borrowings CCB citizens and companies to the end of March were 6.4 billion lev, and its assets were 7.3 billion lev (after withdrawals probably significantly less). If the hole in the balance be even greater, may need support from the state and by funds from the fiscal reserves or a loan.

Secondary effects

The freezing of the CCB may insulate it from the attacks of the moment, but in itself creates additional problems. Besides retail deposits inside there and money to many companies remain blocked. This can send a shock wave through them if they fail to obtain working capital financing elsewhere. This figure includes the 120-140 million lev public companies in the information a few days ago, delivered by the Executive Director of CCB Ilian Zaphirov.

Taking control of CCB will have a side effect on the war between Vassilev and Peevski. Without Banks will lose a lot of advantages. Many of his companies will remain blocked accounts. Will not be able to press and his former partner to return the loans.

Another key point will be how regulators and other banks will be able to master any overflow of concerns to other banks. There are two possible strategies - one Bank to directly recognize problems in specific bank to say exactly how big the hole is and how it will fill. In this case it was the perfect time, as there are very exceptional circumstances a spark could easily outline the CCB as an isolated case because of its commitment to the policy, the specific attack, etc.

Instead, he chose to rely on alternative - parrot to repeat that the banking system is stable. Only when it comes from the same institution, which only two days earlier and told that the CCB is stable, does not sound so convincing. This and wonky behavior during the press conference, you can actually have the opposite effect and scare investors and other accepted riskier banks.

If the Bank fails to control this process, foretold the collapse of a giant hollow can drag and healthy institutions. Although caused by a specific attack, KTB sank because of greedy expansion, not because of withdrawals. They came only when the bank suddenly disappeared halo of untouchability as a favorite of all authority.

Συμφωνα με τα παραπανω''

¨Ειδική επίβλεψη παρέχεται από τη διαδικασία του νόμου για τη διάσωση της τράπεζας. Δεν μπορεί να πάει σε έξι μήνες από το νόμο. Σε ειδική συνέντευξη Τύπου, στην οποία συμμετείχαν το σύνολο του διοικητικού συμβουλίου της Κεντρικής Τράπεζας, η Τράπεζα ανακοίνωσε ότι σε αυτή την περίπτωση θα είναι για 3 μήνες.
Αυτό πρακτικά σημαίνει ότι οι καταθέσεις δεν μπορούν να αποσυρθούν μέχρι τότε. Εάν η εξέταση της Τράπεζας δείχνουν ότι τα προβλήματα μπορούν να υπερνικηθούν ή να καταλήξουν σε συμφωνία νωρίτερα KTB να επαναφέρετε λειτουργίες και να αποπληρώσει τις καταθέσεις και νωρίτερα.

Παντως απο κατεχοντες λογαριασμο στην ΚΤΒ,
το internet banking δεν λειτουργη...
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Πρόβλημα στην Corporate Commercial Bank (KTB) 21 Jun 2014 05:11 #8

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Πιθανόν να καταλήξει στη VTB (που ήδη είναι μέσα), κάτι που δεν είναι απαραιτήτως κακό.

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Πρόβλημα στην Corporate Commercial Bank (KTB) 21 Jun 2014 05:45 #9

Πάει κι η Βουλγαρία .
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