Composition of the modern administration for managing a credit organization, joint-stock commercial innovative bank "education" (joint-stock company). Information on the progress of bankruptcy proceedings Bank education bankruptcy court decision

In accordance with paragraph 2 of Article 189.26 and Articles 189.31, 189.32, 189.35 Federal Law“On insolvency (bankruptcy)”, in connection with the revocation of the license to operate banking operations from the credit organization JOINT STOCK COMMERCIAL INNOVATION BANK "EDUCATION" ( Joint-Stock Company) (registration number Bank of Russia - 1521, registration date - 07/10/1991) by order of the Bank of Russia dated April 21, 2017 No. OD-1055 I order:

1. Appoint a temporary management administration from April 21, 2017 credit institution JOINT-STOCK COMMERCIAL INNOVATION BANK "OBRAZOVANIE" (joint-stock company) for a period of validity in accordance with the Federal Law "On Insolvency (Bankruptcy)" until the day the arbitration court makes a decision on declaring bankrupt and opening bankruptcy proceedings(approval of the bankruptcy trustee) or until the day the decision of the arbitration court on the appointment of a liquidator comes into force.

2. To appoint Tatyana Ivanovna Kislyakova, chief economist of the department for work with liquidated credit organizations No. 1 of the Department of Licensing Activities and Liquidation of Credit Institutions of the Main Directorate of the Bank of Russia for the Central Federal District, as the head of the temporary administration for managing the credit organization JOINT STOCK COMMERCIAL INNOVATION BANK "OBRAZOVANIE" (joint stock company) .

3. Approve the composition of the temporary administration for managing the credit organization JOINT-STOCK COMMERCIAL INNOVATION BANK “OBRAZOVANIE” (joint-stock company) in accordance with this order.

4. Suspend for the period of activity of the temporary administration the powers of the executive bodies of the credit organization JOINT-STOCK COMMERCIAL INNOVATION BANK “OBRAZOVANIE” (joint-stock company).

5. Establish as the main tasks of the temporary administration the implementation of the functions provided for by the Federal Law “On Insolvency (Bankruptcy)” and the exercise of other powers defined by the Federal Law “On Insolvency (Bankruptcy)”, the Federal Law “On Banks and banking"and adopted in accordance with them regulations Bank of Russia.

6. The heads of territorial institutions of the Bank of Russia should, in the prescribed manner, bring the contents of this order to the attention of all credit institutions located in the territory under their jurisdiction.

7. The press service of the Bank of Russia (Ryklina M.V.) publish this order in the “Bulletin of the Bank of Russia” within ten days from the date of adoption and give the appropriate message to the media.

8. Department banking supervision Bank of Russia (Orlenko A.P.) to inform correspondent banks (non-residents) of the credit organization JOINT-STOCK COMMERCIAL INNOVATION BANK "OBRAZOVANIE" (joint-stock company) in accordance with Appendix 2 to this order (sent only to the Banking Supervision Department of the Bank of Russia) about the appointment of a temporary administration for management of the credit organization JOINT-STOCK COMMERCIAL INNOVATION BANK "EDUCATION" (joint-stock company).

Compound
temporary administration for the management of the credit organization JOINT STOCK COMMERCIAL INNOVATION BANK "OBRAZOVANIE" (joint stock company)

Head of the temporary administration

Kislyakova Tatyana Ivanovna - Chief Economist of the Department for Work with Liquidated Credit Institutions No. 1 of the Directorate for Licensing Activities and Liquidation of Credit Institutions of the Main Directorate of the Bank of Russia for the Central Federal District

Deputy head of the temporary administration

Malashkin Alexander Mikhailovich - head of the consolidated and statistical work Consolidated Economic Department of the Ryazan Branch

Members of the provisional administration:

Maria Rafikovna Babaeva - Leading Economist of the Department for Work with Liquidated Credit Institutions No. 1 of the Directorate for Licensing Activities and Liquidation of Credit Institutions of the Bank of Russia State Administration for the Central Federal District

Bochkova Svetlana Vladimirovna - chief economist of the sector of interaction with divisions of the Bank of Russia and credit institutions of the department for receiving and processing reports of Branch 3 Moscow

Rybakova Natalya Vladimirovna - Chief Legal Adviser of the Legal Support Sector for Contact Supervision of the Department of Legal Support of Banking Supervision 1 of the Legal Directorate of the Main Directorate of the Bank of Russia for the Central Federal District

Titarenko Roman Viktorovich - leading expert of the department of licensing of credit organizations of the Department of licensing of activities and liquidation of credit organizations of the Main Directorate of the Bank of Russia for the Central Federal District

Lukyanov Alexey Alexandrovich - Chief Economist of the Banking Supervision Department of the Ryazan Branch

Olga Leonidovna Bobkova - Leading Economist of the Operations Department of the Vladimir Branch

Kuznetsova Olga Petrovna - Leading Economist of the Department for Work with Liquidated Credit Institutions No. 2 of the Directorate for Licensing Activities and Liquidation of Credit Institutions of the State Administration of the Bank of Russia for the Central Federal District

Shabalina Maria Anatolyevna - leading expert of the administrative and economic department of the RCC Korolev

Yudina Serafima Igorevna - leading expert of the administrative and economic department of the RCC Korolev

Sazhina Vera Aleksandrovna - senior cashier of the department cash transactions RCC Korolev

Murushkina Natalya Aleksandrovna - chief economist of the information and analytical sector of the banking supervision department of the Tula Branch

Olga Nikolaevna Solovyova - Leading Economist of the Banking Supervision Department of the Tula Branch

Volkov Valery Igorevich - Chief Engineer engineering support sector of the department of transport, economic and operational services and logistics of the Tula Branch

Resh Oksana Valerievna - Leading Economist of the Operations Department of the Tula Branch

Kondyakova Ekaterina Vladimirovna - economist of the 2nd category of the financial monitoring department of banking activities, financial markets And exchange control Tula branches

Popov Ivan Gennadievich - leading engineer of the operating sector of the management system of the informatization department of the Lipetsk Branch

Sutugina Natalya Borisovna - economist of the 2nd category of the payment systems and settlements department of the Tver Branch

Shestakov Maxim Leonidovich - Chief Economist of the Operations Department of the Vladimir Branch

Novikov Vladimir Dmitrievich - leading legal consultant of the legal department of the Kaluga Branch

Zubova Tatyana Mikhailovna - chief economist of the sector of summary and statistical work of the summary economic department of the Kaluga Branch

Dmitry Nikolaevich Saltykov - Leading Economist of the Department of Financial Monitoring of Banking Activities, Financial Markets and Currency Control of the Smolensk Branch

Kutsev Pavel Leonidovich - 1st category engineer of the computer and telephone networks sector of the informatization department of the Smolensk Branch

Gryaznov Vadim Anatolyevich - chief economist of the sector of summary and statistical work of the summary economic department of the Yaroslavl Branch

Bulanova Tatyana Sergeevna - 1st category economist of the Department of Financial Monitoring of Banking Activities, Financial Markets and Currency Control Yaroslavl Branch

Vasily Viktorovich Medvedev - Advisor to the First Deputy Chairman of the Bank of Russia

Medvedev Evgeniy Viktorovich - Project Manager of the Directorate for the Implementation of Strategic Projects of the Department for the Development of Financial Markets

Karnaukhov Artur Evgenievich - 1st category economist of the Department of Liquidation and Restructuring of Credit Institutions of the Directorate for Licensing the Activities of Credit Institutions of the North-West Main Directorate of the Bank of Russia

Tovsty Vitaly Nikolaevich - expert of the 1st category of the support department information security Cash Center of the North-Western Main Directorate of the Bank of Russia

Danilina Inna Viktorovna - Chief Legal Advisor of the Legal Department of the Samara Branch

Pshenitsyn Oleg Anatolyevich - chief economist of the regulation and monitoring sector payment system Bank of Russia Department of Payment Systems and Settlements Samara Branch

Elena Ivanovna Sazanova - 1st category economist of the economic department of the RCC in Tolyatti

Aleshina Elena Vladimirovna - economist of the 1st category of the economic department of the RCC of Tolyatti

Alexey Vyacheslavovich Yasenev - Leading Economist of the Department for Licensing the Activities of Credit Institutions No. 1 of the Directorate for Licensing the Activities of Credit Institutions of the Volga-Vyatka State Institution of the Bank of Russia

Ganyukhina Yulia Sergeevna - economist of the 1st category of the Book management sector state registration credit organizations of the Department for Licensing the Activities of Credit Institutions of the Volgo-Vyatka State Institution of the Bank of Russia

Soboleva Elena Nikolaevna - economist of the 1st category of the operating department of the National Bank Branch of the Udmurt Republic

Subbotin Dmitry Aleksandrovich - leading economist of the banking supervision sector of the banking supervision department of the Perm Branch

Khramtsova Svetlana Yurievna - leading economist in the cash analysis sector money circulation and transportation of valuables of the cash circulation and cash operations department of the Perm Branch

Kotelnikov Evgeniy Aleksandrovich - 1st category engineer of the key systems management sector of the security and information protection department of the Perm Branch

Mansurov Adil Naifovich - leading economist of the financial department of the Branch-NB of the Republic of Bashkortostan

Sobol Elena Gennadievna - Chief Economist of the Department for Licensing the Activities of Credit Institutions No. 1 of the Directorate for Licensing the Activities of Credit Institutions of the Siberian State Institution of the Bank of Russia

Elena Yakovlevna Rybina - Leading Economist of the Credit Institutions Reporting Department of the Banking Supervision Directorate of the Siberian Main Directorate of the Bank of Russia

Pomazkova Tamara Aleksandrovna - leading economist of the organizational sector of the Consolidated economic management Siberian Main Directorate of the Bank of Russia

Kazhikina Svetlana Gennadievna - Leading Economist of the Banking Supervision Department of the Branch-NB Altai Republic

Chernikova Tatyana Igorevna - leading legal consultant of the legal department of the Branch-NB Altai Republic

Valegzhanina Elvira Georgievna - leading economist of the sector for control and analysis of reporting of credit institutions and branches of the banking supervision department of the Kemerovo Branch

Agafonova Irina Vitalievna - economist of the 1st category of the department for analyzing the activities of non-financial enterprises of the Consolidated Economic Directorate of the Southern State Administration of the Bank of Russia

Simirnikova Ekaterina Sergeevna - chief economist of the department of liquidation of credit organizations and registration valuable papers Directorate for Licensing the Activities of Credit Institutions of the Southern Main Directorate of the Bank of Russia

Savchenko Anna Vasilyevna - Leading Legal Advisor of the Department of Legal Support for the Activities of Credit Institutions of the Legal Department of the Southern Main Directorate of the Bank of Russia

Lukisha Maxim Anatolievich - chief expert sector of interaction with the supervisory unit of the Security and Information Protection Directorate of the Southern Main Directorate of the Bank of Russia

Antonova Yulia Petrovna - leading economist of the sector economic work RCC Novorossiysk

Pavlenko Larisa Ashotovna - chief economist of the economic apparatus of the RCC Sochi

Karayanidi Irina Vladimirovna - chief economist of the economic apparatus of the RCC Anapa

Kolesnik Alexander Vladimirovich - leading engineer of the administrative apparatus of the RCC Anapa

Olga Yuryevna Safonova - Leading Economist of the Financial Monitoring Sector of the Financial Monitoring Department of Banking Activities, Financial Markets and Currency Control of the Rostov-on-Don Branch

Shevchenko Inna Gennadievna - chief legal adviser of the legal department of the Rostov-on-Don Branch

Bubnov Evgeniy Dmitrievich - head of the Taganrog RCC

Goryaynova Natalya Alekseevna - head of the Volgodonsk RCC

Chekalina Olga Alekseevna - chief inspector of the department of inspections and work in temporary administrations of banks of the Insurance Department bank deposits State Corporation "Deposit Insurance Agency" (as agreed)

Zavoruev Andrey Andreevich - leading inspector of the department of inspections and work in temporary administrations of banks of the Department of Bank Deposit Insurance of the state corporation "Deposit Insurance Agency" (as agreed)

Doronin Stanislav Petrovich - Chief Specialist Department for organizing payment of compensation for deposits of the Department of Bank Deposit Insurance of the State Corporation "Deposit Insurance Agency" (as agreed)

Knyazev Alexey Alexandrovich - leading expert of the department for identifying dubious transactions of the Expert-analytical department of the state corporation "Deposit Insurance Agency" (as agreed)

Borisenko Lina Aleksandrovna - chief expert of the department for identifying dubious transactions of the Expert Analytical Department of the state corporation "Deposit Insurance Agency" (as agreed)

Aksenov Yuri Nikolaevich - chief specialist of the department for support of liquidation procedures and restructuring financial organizations Department information technologies State Corporation "Deposit Insurance Agency" (as agreed)

Document overview

From April 21, 2017, a temporary administration was appointed to manage JSC JSCIB "Obrazovanie" for a period of validity until the day the arbitration court makes a decision on declaring bankruptcy and opening bankruptcy proceedings or until the day the decision on the appointment of a liquidator enters into legal force.

The decision was made in connection with the revocation of this credit institution’s license to carry out banking operations.

The composition of the temporary administration has been approved. For the period of its activities, the powers of the bank's executive bodies have been suspended.

central bank Russian Federation(Bank of Russia)
Press service

107016, Moscow, st. Neglinnaya, 12

On the revocation of the banking license of the credit organization "OBRAZOVANIE" and the appointment of a temporary administration

By Order of the Bank of Russia dated 04/21/2017 No. OD-1055, from 04/21/2017 the license to carry out banking operations was revoked from the credit organization JOINT-STOCK COMMERCIAL INNOVATION BANK "OBRAZOVANIE" (joint-stock company) JSCIB "OBRAZOVANIE" (JSC) (reg. No. 1521, Moscow). According to reporting data, as of April 1, 2017, the credit institution ranked 118th in terms of assets banking system Russian Federation.

Problems with JSCIB "OBRAZOVANIE" (JSC) arose due to the use of an extremely risky business model and the low quality of a significant part of the assets due to lending to companies with signs of lack of real economic activity. At the same time, during the supervision of the bank’s activities, dishonesty its management and owners, expressed in the withdrawal of assets to the detriment of the interests of creditors and investors, as well as their “technical” transformation in order to evade compliance with requirements supervisory authority on the formation of reserves for possible losses adequate to the risks taken. In addition, JSCIB "OBRAZOVANIE" (JSC) submitted to the Bank of Russia an inaccurate financial statements, which did not reflect the actual loss own funds(capital). Taking this into account, the actions of the credit institution’s managers show signs of its deliberate bankruptcy.

In order to hide the acute liquidity shortage, the bank artificially limited clients' rights to dispose of their funds. JSCIB "OBRAZOVANIE" (JSC) has actually lost the ability to fully fulfill its obligations to creditors.

The Bank of Russia has repeatedly applied supervisory measures against the credit organization, including restrictions and a ban on attracting deposits from the public.

To date, the management and owners of JSCIB "OBRAZOVANIE" (JSC) have not taken effective measures to normalize its activities. In the circumstances, the Bank of Russia, on the basis of Article 20 of the Federal Law “On Banks and Banking Activities,” fulfilled the obligation to revoke the bank’s license to carry out banking operations.

The decision of the Bank of Russia was made in connection with the credit organization’s failure to comply with federal laws regulating banking activities and regulations of the Bank of Russia, repeated violations within one year of the requirements provided for in Article 7 (except for paragraph 3 of Article 7) of the Federal Law “On Combating Legalization (Money Laundering) ) proceeds from crime and the financing of terrorism,” as well as the requirements of Bank of Russia regulations issued in accordance with the said Federal Law, establishing facts of significant unreliability of reporting data, failure to satisfy the claims of creditors for monetary obligations, taking into account the repeated application within one year of the measures provided for by the Federal Law “O Central Bank Russian Federation (Bank of Russia)".

In connection with the establishment of facts of significant unreliability of the reporting data of the credit organization, the relevant materials on the basis of Part 1.2 of Article 140 of the Criminal Procedure Code of the Russian Federation and Article 75.1 of the Federal Law “On the Central Bank of the Russian Federation (Bank of Russia)” will be sent by the Bank of Russia to investigative committee of the Russian Federation to resolve the issue of initiating a criminal case on the grounds of a crime provided for in Article 172.1 of the Criminal Code of the Russian Federation.

In accordance with the order of the Bank of Russia dated April 21, 2017 No. OD-1056, a temporary administration was appointed to JSCIB OBRAZOVANIE (JSC) for a period until the appointment of a bankruptcy trustee in accordance with the Federal Law “On Insolvency (Bankruptcy)” or appointment in accordance with Article 23.1 of the Federal Law “On Banks and Banking Activities” of the liquidator. The powers of the executive bodies of the credit organization have been suspended in accordance with federal laws.

JSCIB "OBRAZOVANIE" (JSC) is a participant in the deposit insurance system. Revocation of a license to carry out banking operations is an insured event provided for by Federal Law No. 177-FZ “On Deposit Insurance individuals in banks of the Russian Federation" in relation to the bank's obligations on household deposits determined in the manner prescribed by law. The specified Federal Law provides for payment insurance compensation to bank depositors, including individual entrepreneurs, in the amount of 100% of the balance of funds, but not more than 1.4 million rubles in total per depositor.

Date: 07/01/2017

By decision Arbitration Court Moscow dated June 7, 2017 (the operative part was announced on June 1, 2017) in case No. A40-79815/17-38-53B JOINT-STOCK COMMERCIAL INNOVATION BANK "OBRAZOVANIE" (joint-stock company) (JSCIB "OBRAZOVANIE" (JSC) ) (hereinafter referred to as the Bank, OGRN 1027739265355, INN 7736017052, registration address: 119296, Moscow, Leninsky Prospekt, 63/2, building 1), was declared insolvent (bankrupt) and bankruptcy proceedings were opened against it for a period for one year. The functions of the bankruptcy trustee are assigned to government corporation“Deposit Insurance Agency” (hereinafter referred to as the Agency).

Address for sending postal correspondence and creditors' claims: 127055, Moscow, st. Lesnaya, 59, building 2.

A court hearing to consider the bankruptcy trustee’s report is scheduled for May 29, 2018.

In accordance with the requirements of Federal Law No. 127-FZ of October 26, 2002 “On Insolvency (Bankruptcy),” the Agency publishes information on the progress of bankruptcy proceedings against the Bank.

Due to electronic database Bank data was not transferred to him former leadership To the temporary administration for the management of the Bank appointed by the Bank of Russia (hereinafter referred to as the temporary administration), the bankruptcy trustee publishes the balance sheet of the Bank as of April 15, 2017 on the basis of the latest reports sent to the Bank of Russia.

According to accounting, previously restored as of April 21, 2017, the Bank’s assets, taking into account the exclusion from them of the amount of the created reserve for possible losses and depreciation of fixed assets, amounted to 4,000,779 thousand rubles, including: cash on hand, on correspondent account with the Bank of Russia and on accounts with credit institutions - 299,284 thousand rubles, net loan debt 2,978,135 thousand rubles, fixed assets, intangible assets And inventories 191,628 thousand rubles, other assets 531,732 thousand rubles.

Currently, the bankruptcy trustee is working to establish the location of the debtors, their actual financial condition and the availability of real collateral under loan agreements.

The safety of the Bank's property and documentation transferred by the temporary administration to the bankruptcy trustee is ensured. An inventory of the Bank's property is currently being carried out, based on the results of which, if necessary, appropriate clarifications will be made to the Bank's balance sheet.

The Bank's liabilities on the balance sheet amount to 21,460,877 thousand rubles, including for the accounts of individuals and individual entrepreneurs– 19,655,358 thousand rubles.

In order to form a register of creditors' claims (closing date - August 16, 2017), in accordance with which settlements will be carried out during bankruptcy proceedings, as of June 29, 2017, the bankruptcy trustee was presented with the claims of 3,088 applicants in the amount of 2,122,447 thousand . rub., which are currently under consideration.

According to the preliminary assessment of the bankruptcy trustee, taking into account the need to pay current expenses for the bankruptcy procedure, there are currently no available funds that can be used to satisfy the claims of creditors.

In general, the amount of further satisfaction of the Bank’s creditors’ claims will depend on the receipt Money into the bankruptcy estate from the sale of the Bank's property and recovery of assets, the quality of which is borne by former owners and the management of the Bank.