The largest bank in the Leningrad region remained without a license. JSC "Ruskobank" lost its license

The Leningrad region, which owns a quarter of Ruskobank, failed to get rid of its stake. The controlling shareholder of the bank, the National Development Company, which bought 54% of the bank two months ago, planned to purchase it. However, now she herself, according to Kommersant's information, is looking for a buyer for her share due to disagreements with the local regulator.

As Kommersant learned, PJSC National Development Company (NDK), which recently purchased more than 50% of Ruskobank, is already looking for a buyer for its stake. “This is due to disagreements with the Main Directorate of the Central Bank for the Leningrad Region regarding the plans of the new owners to develop the bank’s business,” says one of Kommersant’s interlocutors familiar with the situation in the bank. “The regulator in the Leningrad Region is very conservative.” According to another Kommersant interlocutor, the new owners planned to take out a bank loan secured by their agricultural lands in the Moscow region. “Now it’s unrealistic to get a loan with such collateral, but there’s nothing illegal about it, so they needed their own bank,” he clarifies. Indirect evidence of disagreements with the Central Bank may be evidenced by the fact that the bank has imposed restrictions on accepting deposits. The call center of Ruskobank told Kommersant yesterday: “We are not accepting deposits now, the bank has restrictions on a number of operations.” Information about deposits has also completely disappeared from the bank’s website. the corresponding section "temporarily does not work for technical reasons". The NDC was unable to provide comments yesterday. Ruskobank responded to Kommersant's request that "the bank does not comment on transactions between shareholders, since it does not participate in them."

Ruskobank is one of four banks in the Leningrad region. As of April 1, it ranked 242nd in terms of assets and 429th in terms of capital according to the Interfax rating. However, the bank is notable not for the scale of its business, but for its owners. 25% of the bank belongs to the Leningrad region. At the same time, the controlling owners managed to change several times. From 2003 to 2009, the bank belonged to the ex-owner of the sanitized VEFK bank, Alexander Gitelson. Subsequently, Ruskobank was almost bought by Matvey Urin, who by that time had already withdrawn from five banks through fraudulent schemes more than 16 billion rubles, but the deal did not take place. Then Amelis+ LLC appeared among the buyers, but this deal was not approved by the regulator. And in the fall of 2012, a controlling stake in the bank was acquired by SM-Capital of Khachatur Muradov. Last summer, SM-Capital sold 54% of the shares to a number of shareholders: Sinyavinskaya Poultry Farm, Volkhov Feed Mill, Svyaz-Bank branch manager Vladimir Vilenchik, Regional Microloans LLC and others. The same 54% were sold to NDK in March 2016.

Changed plans of the NDC regarding banking asset depriving the Leningrad region of the opportunity to sell its share. As the Delovoy Peterburg publication reported last week, in the near future the new owners planned to increase their stake by buying out the Leningrad region's share. The publication also referred to the statement of the first deputy chairman of the Leningrad region government, Roman Markov, that an auction would be held in the near future to sell the Leningrad region’s share in the bank. Now, Kommersant's sources note, plans for the sale are frozen, since it is unclear who will own the majority stake. “Now active negotiations are underway with three candidates, the question is which of them will be approved by the Central Bank,” says a Kommersant source close to the bank. According to him, among them there is even a Chinese investor working in St. Petersburg.

Negotiations with potential buyers are complicated by the fact that the bank is involved in a dispute with the Deposit Insurance Agency (DIA) regarding a transaction to offset the obligations of its ex-shareholder SM-Capital (now bankrupt). On May 15, the DIA won a claim against the bank, within the framework of which the bank’s claims on a loan to Sudostroitelny Bank (now bankrupt) in the amount of about 370 million rubles were restored. This corresponds to 10% of it loan portfolio, in which, as of May 1, the share of overdue payments under RAS had already reached 22%. Taking into account the fact that these are third-priority requirements, which during bankruptcy are satisfied only by 5.8%, the bank will have to create a 100% reserve for this loan, which corresponds to 30% of its capital. “In this situation, a potential investor should have not a strategic, but a tactical action plan for discussion with the regulator,” says Roman Koenigsberg, head of FBK’s investment consulting practice. “First of all, this is a willingness to invest in the bank to restore normal activity. In general, there is a restriction on admission deposits is a negative signal for a potential buyer, but if he has the opportunity to have adequate contact with the Central Bank, then this situation can be resolved.” According to him, among positive points— participation in the capital of the Leningrad region. In this situation, it is beneficial for the state to find an external investor who would take on the current risks of the bank and actually carry out its reorganization without government funds, notes Mr. Koenigsberg.

Licensed by Vsevolozhsk JSC Russian Commercial and Industrial Bank (JSC Ruskobank). According to reporting data, as of June 1, the organization ranked 256th in terms of assets banking system countries. Ruskobank is a participant in the deposit insurance system.

This largest bank Leningrad region. Back in early May, 25% plus 1 share of the bank belonged to the regional administration. At the end of March, the Leningrad region scheduled an auction for May, at which it wanted to privatize its stake in Ruskobank. The initial cost of the lot was determined at 101.9 million rubles. Privatization did not take place. The bank, founded in 1989, was part of the East European Financial Corporation (EFC) of Alexander Gitelson (declared bankrupt and sentenced to three years in prison for fraud). Ruskobank has 24 branches in the Leningrad region, three in St. Petersburg and one in Sevastopol.

"Ruskobank carried out" high-risk credit policy related to placement Money into assets of unsatisfactory quality,” explains the regulator’s press service. “Adequate assessment of the risks accepted by the bank upon request supervisory authority repeatedly led to a significant reduction in its size own funds(capital) and the emergence of grounds for taking measures to prevent insolvency (bankruptcy) credit organization", says a message on the Central Bank website. Legal requirements and regulations The Central Bank in the field of combating money laundering and the financing of terrorism did not comply with Ruskobank in terms of timely and high-quality submission of information to the authorized body.

Only on June 20, the Central Bank website published reports, from which it followed that Ruskobank was included in the list of violators of standards for three months in a row. In May, he violated five mandatory standards, established by the Bank Russia. For 16 days, the bank did not comply with the standard of equity adequacy (N1), the standard of adequacy of basic capital (N1.1), the standard of adequacy of fixed capital (N1.2) and the standard of using the bank’s own funds to purchase shares of other legal entities (N12), and within 11 days - standard maximum size loans granted to shareholders (N9.1) is reminiscent of the Banki.ru portal.

On June 3, Kommersant wrote that the Central Bank limited Ruskobank’s ability to accept deposits and conduct certain operations. This publication was informed by the bank's call center. At that time, the section on deposits on the bank’s website “temporarily did not work for technical reasons.”

At the beginning of May, it became known that the owners of 55.5% of the shares of Ruskobank had changed hands; this was confirmed by information on its website. Since April 21, the list of persons under whose control or significant influence the bank has included N-invest LLC of Alexander Stakheev (owns 9.75%), Alexander Dubinin (9.75%), Resurs M LLC of Alexander Maksimova ( 9%), JSC Vekservice by Alexander Balashov, Finance Capital LLC by Sergei Valnov and PJSC National Development Company (NDK, 9%). Stakheev, Dubinin, Balashov, Valnov and Maksimov are co-owners of NDK. NDK is a major developer countryside real estate in outskirts of Moscow. On April 22, the company placed five-year bonds worth 2 billion rubles. According to its issue documents, upon completion of land management work and activities cadastral value land plots The income tax will reach 38 billion rubles; the company’s holiday villages are located on an area of ​​more than 2,000 hectares in the Moscow region.

The owner of Sinyavinskaya Poultry Farm CJSC and Volkhov Feed Mill OJSC Nikita Melnikov (18%), the manager of the St. Petersburg branch of Svyaz-Bank Vladimir Vilenchik (9%), Moscow Regional Microloans LLC (9.75%) sold their stakes in Ruskobank. Maxim Novikova, SBO Capital LLC (9.75%) Valeria Timasheva, GAZ dealer Piterbastsentr LLC (9%), followed from the information on the bank’s website. Victoria Shamlikashvili and her affiliated A&D Company LLC remained the owners of 18.83% of the bank. Shamlikashvili, Melnikov and other shareholders came to the bank in May 2015, when Khachatur Muradov’s Moscow LLC SM Capital (former name Ursa Capital) sold its 54.83% stake. In 2012, Ursa Capital bought 50% plus 1 share of the bank at an auction of the property of VEFK OJSC.

NDK planned to buy a stake in the Leningrad region, but the deal did not take place, Kommersant wrote in early June. According to the newspaper, at that time NDK itself began to look for someone to sell its stake in Ruskobank. “This is due to disagreements with the Central Bank of the Leningrad Region regarding the plans of the new owners to develop the bank’s business,” said an informed source of the newspaper. “In the Leningrad region the regulator is very conservative.” According to another source, the new owners planned to take out a bank loan secured by their agricultural lands in the Moscow region. “Now it’s unrealistic to get a loan with such collateral, but there’s nothing illegal about it, so they needed their own bank,” he explained.

DIA in court demands 300 million rubles from Ruskobank. due to transactions with SB Bank carried out shortly before its bankruptcy. SB Bank’s license was revoked in February 2015. Ruskobank’s problems arose due to the close relationship of former shareholder Khachatur Muradov with SB Bank. Muradov was a major client of SB Bank; his companies (in particular, Ursa Capital) had loans from SB Bank, but it was not possible to agree on their restructuring after the revocation of SB Bank’s license.

On June 20, the Investigative Committee reported that it was against former first Deputy Director of Ruskobank, a criminal case was initiated under the article on abuse of power. According to the investigation, from 2013 to 2015, “in violation of the requirements of the bank’s charter and administrative documents on the procedure for concluding agreements in the field of lending, without the knowledge of the bank’s board, he entered into two agreements for lending agreements of a legal entity, in accordance with which entity, which previously received loans from the bank totaling 180 million rubles, was able to fulfill its obligations by transferring to the bank the ownership of the bills of exchange to a third organization.” The debtor did not return the money to the bank and, in accordance with the agreements, provided the bank with bills of exchange to a third organization that was in bankruptcy and did not actually have the ability to pay the money on the bills, the press service of the regional department of the Investigative Committee reported. The investigation estimated the damage to the bank from the actions of the former deputy director at 180 million rubles.

By Order of the Bank of Russia dated June 21, 2016 No. OD-1912, the license to carry out banking operations from the credit organization Joint Stock Company "Russian Commercial and Industrial Bank" JSC "Ruskobank" (reg. No. 138, Leningrad region, Vsevolozhsk) from 06/21/2016.

The decision to apply an extreme measure of influence - the revocation of the license to carry out banking operations - was made by the Bank of Russia 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 Articles 6, 7 ( with the exception of paragraph 3 of Article 7) of the Federal Law “On Combating the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism”, as well as the requirements of Bank of Russia regulations issued in accordance with this Federal law, and the application of measures provided for by the Federal Law “O Central Bank Russian Federation(Bank of Russia)", taking into account the presence of a real threat to the interests of creditors and depositors.

JSC Ruskobank pursued a high-risk credit policy associated with the placement of funds in assets of unsatisfactory quality. An adequate assessment of the risks taken by the bank at the request of the supervisory authority has repeatedly led to a significant reduction in the amount of its own funds (capital) and the emergence of grounds for taking measures to prevent the insolvency (bankruptcy) of the credit organization. In addition, JSC Ruskobank did not comply with the requirements of legislation and regulations of the Bank of Russia in the field of combating the legalization (laundering) of proceeds from crime and the financing of terrorism in terms of timely and high-quality submission of information to the authorized body.

In accordance with the order of the Bank of Russia dated June 21, 2016 No. OD-1913, a temporary administration was appointed to Ruskobank 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 "About banks and banking» liquidator. The powers of the executive bodies of the credit organization have been suspended in accordance with federal laws.

JSC Ruskobank 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 the payment of 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.

According to reporting data, in terms of assets, Ruskobank JSC, as of June 1, 2016, occupied 256th place in the banking system of the Russian Federation.

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