{"id":8246,"date":"2018-06-09T09:58:32","date_gmt":"2018-06-09T07:58:32","guid":{"rendered":"https:\/\/manueldelia.com\/?p=8246"},"modified":"2018-06-09T17:46:08","modified_gmt":"2018-06-09T15:46:08","slug":"misteru-dwar-self-ta-e2-6-miljun-nofs-id-dejn-tal-kasco-mal-bov-misluf-bla-garanziji-lil-persuna-mhux-maghrufa","status":"publish","type":"post","link":"https:\/\/manueldelia.com\/mt\/2018\/06\/misteru-dwar-self-ta-e2-6-miljun-nofs-id-dejn-tal-kasco-mal-bov-misluf-bla-garanziji-lil-persuna-mhux-maghrufa\/","title":{"rendered":"Misteru dwar self ta’ \u20ac2.6 miljun. Nofs id-dejn tal-Kasco mal-BOV misluf bla garanziji lil persuna mhux mag\u0127rufa."},"content":{"rendered":"

\ufeff<\/span>Misteru dwar self ta’ \u20ac2.6 miljun. Nofs id-dejn tal-Kasco mal-Bank of Valletta misluf bla garanzija lil persuna mhux mag\u0127rufa.<\/p>\n

Fil-konfront ta’ negozju li bil-kemm jag\u0127mel medja ta’ \u20ac57,000 f’profitti fis-sena, d-dejn li fuqu ma hemm xejn x’jag\u0127mel tajjeb li l-Kasco Group ta’ Keith Schembri g\u0127andu mal-Bank huwa enormi. Dan il-finanzjament li qed jipprovdi l-Bank of Valletta jammonta g\u0127al bejn \u20ac5 miljuni u \u20ac7 miljuni. Il-Kasco Group kienet ta\u0127dem bl-HSBC i\u017cda, g\u0127all-\u0127abta tal-2014, bdiet ta\u0127dem bil-BOV.<\/p>\n

Minkejja l-kobor tad-djun mhux garantiti u l-profitti mhux tant kbar minn negozju, fl-2016 il-Kasco Group g\u0127amel self ta’ \u20ac2.6 miljun lil persuna mhux mag\u0127rufa<\/span> ming\u0127ajr garanzija, bla img\u0127ax u ming\u0127ajr kundizzjonijiet.<\/p>\n

Dan jirri\u017culta mill-accounts<\/em> tal-Grupp li jindikaw li s-self kellu jit\u0127allas lura qabel il-31 ta’ Di\u010bembru 2017.<\/p>\n

Hi verament \u0127a\u0121a tal-meravilji kif negozju suppost niexef mill-flus seta’ ing\u0127ata dan is-self. Matul l-2016, l-Other Receivables<\/em> (ji\u0121ifieri d\u0127ul ming\u0127and min kellu jag\u0127ti) naqsu b’\u20ac558,000, it-Trade Receivables<\/em> (ji\u0121ifieri dawk li kellhom jag\u0127tu lill-Kasco Group) naqsu b’\u20ac345,000 u l-Bank Borrowings<\/em> (ji\u0121ifieri self ta’ flejjes u overdrafts <\/em>ming\u0127and il-Bank) naqas b’\u20ac132,000. Fil-frattemp, it-Trade Payables<\/em> (ji\u0121ifieri l-kredituri) \u017cdiedu b’\u20ac1.7 miljun, li jfisser li l-Grupp Kasco kien qed inaqqas id-djun bi flus \u0127addie\u0127or.<\/p>\n

Il-flus li kienu g\u0127ad-dispo\u017cizzjoni tal-Grupp Kasco – il-free funds<\/em> – ammontaw g\u0127al ftit aktar minn \u20ac1 miljun. Jekk nassumu li dawn il-flejjes intu\u017caw biex is-self ta’\u00a0 \u20ac2.6 miljun \u0121ie mg\u0127oddi lil persuna o\u0127ra, il-Grupp ta’ bilfors kellu bejn \u20ac1.5 miljun u \u20ac1.6 miljun \u0121ejjin minn g\u0127ejjun o\u0127ra.<\/p>\n

Dan ix-xenarju jqajjem is-suspett ta’ \u0127asil ta’ flus ma\u0127mu\u0121in u, li kieku \u010b-\u010birkostanzi kienu normali, l-Kasco Group kien ji\u0121i m\u0121ieg\u0127el jispjega permezz ta’ dokumenti minn fejn kienu \u0121ejjin\u00a0dawn il-flejjes.<\/span><\/p>\n

Tan-Nexia BT, l-awdituri tal-Kasco Group, g\u0127amlu biss nota \u017cg\u0127ira dwar dan fl-accounts<\/em>.<\/p>\n

Is-self li kien g\u0127amel il-Bank of Valletta espona lil dan il-bank g\u0127al madwar \u20ac5.7 miljun. Wie\u0127ed jistenna li, meta kien di\u0121\u00e0 jaf bis-sitwazzjoni finanzjarja li l-Kasco Group kien qed jiddikjara li jinsab fiha, l-Bank kien se “jaqbe\u017c” fuq dawn il-flejjes li tal-Kasco Group kellhom fil-pussess tag\u0127hom sabiex i\u0121ieg\u0127el lill-istess Kasco Group inaqqas id-djun. Di\u0121\u00e0 kien hemm xi tnaqqis fid-djun meta dak li kien dovut lill-Bank naqas minn \u20ac6.8 miljun fl-2012 g\u0127al \u20ac5.7 miljun fl-2016. Normalment wie\u0127ed jistenna li Bank kien jag\u0127mel minn kollox biex jara li din ix-xejra tissokta, dejjem sakemm is-sitwazzjoni finanzjarja tal-klijent ma tkunx bdiet tie\u0127u r-ru\u0127. U s-sitwazzjoni finanzjarja tal-Kasco Group \u010bertament ma kenitx qed tie\u0127u r-ru\u0127.<\/p>\n

Biex il-Kasco Group, bi profitt dikjarat fis-sena ta’ madwar \u20ac57,000, tkun tista’ j\u0127allas lura lill-BOV il-\u20ac5.7 miljun bla img\u0127ax, iridu jg\u0127addu mitt sena. Dan sakemm, m’g\u0127andniex xi ng\u0127idu, Keith Schembri ma j\u017cidx il-kapital tan-negozju bi flejjes li, milli jidher mid-dikjarazzjonijiet tieg\u0127u stess, m’humiex g\u0127ad-dispo\u017cizzjoni tieg\u0127u.<\/p>\n

Keith Schembri \u017camm lil Brian Tonna u lil Nexia BT b\u0127ala l-awdituri tieg\u0127u. Jekk id-dikjarazzjonijiet ta’ Keith Schembri stess jistg\u0127u jitwemmnu, allura l-awditur tieg\u0127u jidher li g\u0127andu s-suddizzjoni minnu peress li Keith Schembri kien g\u0127amel tajjeb finanzjarament lil Brian Tonna meta dan kien g\u0127addej minn pro\u010beduri tad-divorzju li swewlu l-flus ma’ dik li kienet martu. Il-kodi\u010bi tal-etika tal-awdituri ma jippermettilhomx ja\u010b\u010bettaw self ta’ flus ming\u0127and klijenti i\u017cda Brian Tonna g\u0127adu sal-lum l-awditur ta’ Keith Schembri minkejja l-fatt li t-tnejn qed jammettu b’mod indirett li qed jiksru l-kodi\u010bi tal-etika.<\/p>\n

Dan kollu g\u0127andna n\u017commuh f’mo\u0127\u0127na kull meta ti\u0121i mg\u0127arbla l-informazzjoni li hemm fl-istqarrijiet finanzjarji tal-Kasco Group li \u0121ew iffirmati minn Nexia BT ta’ Brian Tonna.<\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

\ufeffMisteru dwar self ta’ \u20ac2.6 miljun. Nofs id-dejn tal-Kasco mal-Bank of Valletta misluf bla garanzija lil persuna mhux mag\u0127rufa. Fil-konfront ta’ negozju li bil-kemm jag\u0127mel medja ta’ \u20ac57,000 f’profitti fis-sena, d-dejn li fuqu ma hemm xejn x’jag\u0127mel tajjeb li l-Kasco Group ta’ Keith Schembri g\u0127andu mal-Bank huwa enormi. Dan il-finanzjament li qed jipprovdi l-Bank of […]<\/p>\n","protected":false},"author":1,"featured_media":8242,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[54],"tags":[],"_links":{"self":[{"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/posts\/8246\/"}],"collection":[{"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/posts\/"}],"about":[{"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/types\/post\/"}],"author":[{"embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/users\/1\/"}],"replies":[{"embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/comments\/?post=8246"}],"version-history":[{"count":5,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/posts\/8246\/revisions\/"}],"predecessor-version":[{"id":8266,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/posts\/8246\/revisions\/8266\/"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/media\/8242\/"}],"wp:attachment":[{"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/media\/?parent=8246"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/categories\/?post=8246"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/manueldelia.com\/mt\/wp-json\/wp\/v2\/tags\/?post=8246"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}