Rublev bank insider information. Bank ruble. About Bank Rublev

The bank was registered in Moscow in September 1994. Since August 2005 he has been a member of the deposit insurance system. In February 2015, the bank changed its organizational and legal form from CJSC to JSC.

Today, the main beneficiaries of the financial institute are the founder, co-owner and president of CJSC NK Nobel Oil * Grigory Gurevich (58.33%), as well as minority shareholders of the said NC, including the wife of Grigory Gurevich Vera Artyakova (through various structures controls 37 , 04% of the bank's shares) and their daughter Maria Nazarova (0.23%). Among the ultimate beneficiaries credit institution Igor Gorlushkin is also listed (4.40%).

The bank's head office is located in Moscow. The sales network also includes two additional offices in the Moscow region, 11 credit and cash offices in others Russian cities(five of them are in the Republic of Crimea) and an operational office in Gus-Khrustalny. Its own ATM network is represented by seven devices located on the territory of structural divisions. The headcount at the beginning of 2017 was 229 employees (a year earlier - 280 employees).

Its main clients, in addition to individuals, the bank names enterprises in the oil, food, processing and light industries, pharmaceuticals and medical equipment, publishing and printing industries, agro-industrial complex, information technologies, construction and transport.

Legal entities are offered the whole range of basic banking services including settlement and cash services, provision of guarantees, placement of funds on deposits, remote service ("Client - Bank" system), salary projects and corporate bank cards, merchant acquiring, rent safe deposit boxes, currency operations, lending (including small and medium-sized businesses), as well as leasing operations.

Individuals have access to a wide range of deposits, settlement and cash services, rent of safes, payments and Money transfers(Contact, UNIStream, money transfers to and from Crimea), bank cards (Visa, MasterCard), Internet banking, brokerage services. The bank does not currently carry out consumer lending, with the exception of lending to employees or persons recommended by the governing bodies of the financial institution. Within the framework of special offer the bank also offers mortgage credit lending for the construction of a cottage in the village "Zadorino".

Among its clients, the bank noted LLC PO Eleron, LLC Yuza, LLC Laguna, LLC Petrusko, LLC MV - real estate, LLC Plastavia, LLC Group of Companies Russkiy Svedets, LLC PO Eleron ", LLC" Service-Integrator ", LLC" TD "Appolo", etc.

Since the beginning of 2017, the assets of the credit institution have increased in volume by 7.5%, amounting to 18.5 billion rubles by August 1. In liabilities, the main growth was provided by interbank loans, the volume of which increased 2.5 times. In assets, the attracted liquidity was directed to lending to legal entities, investments in securities and the interbank lending market. The bank also received part of the funds, cutting highly liquid balances by almost a third.

The bank is characterized by increased concentration resource base on household deposits, although their share has slightly decreased since the beginning of 2017 - from 73.1% to 68.2% by the reporting date. Funds from individuals are mainly attracted for periods ranging from one to three years. The attracted interbank loans are formed in liabilities for reporting date 13.0% (at the beginning of 2017 - 5.6%), all funds were attracted for short periods from commercial banks (in the reporting for the first half of 2017, the entire volume of REPO). The share of funds of enterprises and organizations in liabilities is 8.8%: the structure is dominated by perpetual subordinated loans included in the calculation of fixed capital, deposits with maturities from six months to a year and balances on settlement accounts. Overall sufficiency own funds by August 1, 2017, the bank dropped below 11% (with a minimum of 8%) and fully coincides with the adequacy of fixed capital (minimum - 6%). At the same time, the adequacy of basic capital, which does not include perpetual subordinated loans, is almost two times lower than the total adequacy of own funds - 6.1% (with a minimum of 4.5%). A share of 0.2% of liabilities is formed by its own issued promissory notes. The client base of the credit institution is small, with stable payment dynamics. Customer account turnover in recent months has been at the level of 6 billion rubles.

About 62% of net assets are in the loan portfolio, 14.1% are formed by investments in securities, 9.5% are other assets (mainly represented by claims for other transactions), 5.1% are highly liquid assets (balances in the cash desk and correspondent accounts), 4.4% - issued by interbank loans, 5.4% - fixed assets and intangible assets.

The loan portfolio as of August 1, 2017 is 11.4 billion rubles and since the beginning of the year has shown an increase of 5.6% due to corporate lending (+ 0.6 billion rubles, or + 6.0%). Loans to legal entities form 96.5% of the total portfolio. Retail loans on the balance sheet are represented by consumer loans, housing and car loans. Since the beginning of 2017, the bank has more than halved the volume of overdue debt (a decrease was observed in both retail and corporate portfolios), the share of overdue loans in the total volume of loans decreased over the same period from 3.0% to 1.3%. The level of provisioning is high and, in contrast to delinquencies, since the beginning of 2017 has grown significantly - from 7.0% to 11.3% of loan portfolio... The level of collateral for the loan portfolio is assessed as insufficient (85.0%).

V sectoral structure corporate loan portfolio, according to the explanatory information to the reporting for 2016, the following sectors of the economy prevailed: wholesale and retail(28.5%), manufacturing (12.8%), operations with real estate(11.2%) and construction (5%). Other types of activities also accounted for a significant share (27.4%).

According to IFRS reporting, at the end of 2016, the bank had 22 borrowers (a year earlier - 27 borrowers) with the total amount of loans issued to each borrower in excess of 10% of equity capital jar. The total amount of these loans amounted to 7.95 billion rubles (a year earlier - 8.2 billion rubles), or 65.7% of the total volume of loans and borrowings before deducting the provision for impairment of loans and accounts receivable(a year earlier - 73%).

Briefcase valuable papers- 2.6 billion rubles, since the beginning of 2017 it has grown by 21%. The portfolio is 80% represented by bonds, a significant part of which is pledged under REPO transactions, and another 19% are “free” OFZs. Thus, on the one hand, investments in bonds are highly liquid, and on the other hand, the bank retains a reserve to build up its position on attracting in the repo market, if necessary.

All interbank loans as of the reporting date were placed in commercial banks for short periods. In the interbank lending market, the financial institute exhibits high intra-month activity, including in the placement of liquidity, although it acts mainly as a net borrower. The bank is also active in the market conversion operations... In particular, in recent months, the turnover on the accounts of the conversion operations has increased to the level of 700-800 billion rubles.

In January-July 2017, the bank incurred a net loss of RUB 272.1 million. For the same period in 2016, the bank earned 13.1 million rubles of profit. For the whole 2016 net profit amounted to 11.7 million rubles. The main pressure on financial results banks in 2017 provide expenses for the creation of reserves in the II quarter.

Board of Directors: Grigory Gurevich (chairman), Igor Fisenko, Sergey Shapoval, Olga Basalay, Dmitry Fominov.

Governing body: Olga Basalay (acting chairman), Tatiana Ovchinnikova ( Chief Accountant), Artem Malenko, Elena Barenbaum.

* Nobel Oil Group is an independent oil and gas holding specializing in oil exploration and production in the Timan-Pechora oil and gas province and in the Khanty-Mansiysk autonomous region... The holding was founded in 1998 and includes enterprises of various industries. The key enterprise of the group is ZAO NK Nobel Oil, which is engaged in the management of subsidiaries and affiliates, consulting activities for the development and design of deposits. The main assets of the group are the oil producing enterprises of the Komi Republic - ZAO NeftUs and ZAO Kolvaneft, as well as several fields in the Khanty-Mansi Autonomous Okrug - Yugra. The holding group also includes CJSC ARM-Coating (a plant for applying protective coatings on the inner surface of oil pipes), LLC Severnaya transport company”(Transport services), LLC“ Devon-invest ”, LLC“ Stati-neftegaz-invest ”. Management company the holding is Nobel Oil LLC (KO). Since 2009, the shareholders of the group are an investment fundChina Investment Corporation, a $ 300 billion asset manager and a leading Hong Kong investment groupOriental Patron... The president and the main owner of the group is Grigory Gurevich, chairman of the board of directors of ZAO KB Rublyov, a well-known oilman and a former official who held the post of vice president of Tyumenskaya from 2000 to 2001 oil company(TNK).

By order of the Bank of Russia dated June 27, 2018 No. OD-1594, from June 27, 2018, the license to carry out banking operations from a credit institution Joint-stock company Commercial Bank"RUBLEV" JSC KB "RUBLEV" (reg. No. 3098, Moscow).

The business model of JSC CB RUBLEV was focused on attracting Money population and their placement in assets of unsatisfactory quality. Build on demand supervisory authority reserves adequate to the assumed risks led to a complete loss of own funds (capital). In the current circumstances, the Bank of Russia on the basis of Article 20 of the Federal Law “On Banks and banking»Fulfilled the obligation to revoke the banking license from JSC CB RUBLEV. The Bank of Russia has repeatedly applied supervisory measures against JSC CB RUBLEV, including once imposing restrictions and once a ban on attracting deposits from the population.

The decision of the Bank of Russia was made in connection with failure of the credit institution to comply with federal laws, regulating banking activities, as well as regulations of the Bank of Russia, the value of all ratios for the adequacy of equity (capital) below two percent, a decrease in the amount of equity (capital) below the minimum value authorized capital set on date state registration credit institution, taking into account the repeated application within one year of the measures provided for Federal law"O The central bank Russian Federation(Bank of Russia) ".

In connection with the revocation of the banking license by order of the Bank of Russia dated June 27, 2018 No. OD-1594, the license for the credit institution JSC CB RUBLEV to carry out professional activities in the securities market was canceled. In accordance with the order of the Bank of Russia dated June 27, 2018 No. OD-1595, a temporary administration was appointed in JSC CB RUBLEV until the appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of the receiver or appointment in accordance with Article 23.1 of the Federal the Law "On Banks and Banking Activities" of the liquidator. The powers of the executive bodies of the credit institution have been suspended in accordance with federal laws.

JSC CB "RUBLEV" is a member of the deposit insurance system. The revocation of a banking license is an insured event provided for by Federal Law No. 177-FZ "On Insurance of Individual Deposits in Banks of the Russian Federation" in relation to the bank's liabilities for household deposits, determined in accordance with the procedure established by law. The specified Federal Law provides for the payment insurance compensation bank depositors, including individual entrepreneurs, in the amount of 100% of the balance, but not more than 1.4 million rubles in aggregate per one depositor.

(sorted in descending order of publication date)

Notice of revocation of a banking license

The Bank of Russia informs about the decision on the revocation from June 27, 2018 of the license to carry out banking operations from a credit institution Joint Stock Company Commercial Bank "RUBLEV" JSC CB "RUBLEV", reg. No. 3098, Moscow (order of the Bank of Russia dated June 27, 2018 No. OD-1594). Date of publication: 27.06.2018 08:42:31
Message on the Central Bank website: Link

03.08.2017 completed credit institution JSC KB "RUBLEV" (registration number of the credit institution 3098) (105066, Moscow, Elokhovsky proezd, 3, bldg. 2). The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions stipulated by the legislation of the Russian Federation.
Date of publication: 08/04/2017 17:33:22
Message on the Central Bank website: Link

Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections

09/30/2016 completed the planned thematic check credit institution JSC KB "RUBLEV" (registration number of the credit institution 3098) (105066, Moscow, Elokhovsky proezd, 3, bldg. 2). The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions stipulated by the legislation of the Russian Federation.
Publication date: 09/30/2016 17:28:25
Message on the Central Bank website: Link

Full corporate name of the credit institution: Closed joint-stock company Commercial Bank "RUBLEV"
Resolution on bringing to administrative responsibility (Date): 03/05/2014
Resolution on bringing to administrative responsibility (Number): 63-14-U / 0003/3110

Date of entry into force of the resolution: 03/25/2014
Date of publication: 04/02/2014 17:23:11
Message on the Central Bank website: Link

Message about adopted by the Bank Russia decisions on bringing credit institutions and (or) officials, who are the sole executive bodies of credit institutions, to administrative responsibility for committing administrative offenses in the cases provided for in Article 15.27 of the Code of Administrative Offenses of the Russian Federation

(administrative penalty against a credit institution)
Credit institution registration number: 3098

Resolution on bringing to administrative responsibility (date): 01.24.2014
Resolution on bringing to administrative responsibility (number): 63-14-U / 0004/3110
Part number of Article 15.27 of the Administrative Code, on the basis of which the person was brought to administrative responsibility: Part 1 of Art. 15.27 Administrative Code
Date of entry into force of the resolution: 02/04/2014
Date of publication: 07.02.2014 12:58:07
Message on the Central Bank website: Link

Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections

11.11.2013, the scheduled thematic inspection of the branch of the credit organization CJSC CB "RUBLEV" - Privolzhsky (registration number of the credit organization 3098, the serial number of the branch 3) was completed (410005, Saratov, ul.Pugacheva E.I., 147 / 151). The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions stipulated by the legislation of the Russian Federation. Publication date: 22.11.2013 16:16:59
Message on the Central Bank website: Link

Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections

04.10.2013 completed unscheduled thematic check credit institution ZAO KB "RUBLEV" (registration number of the credit institution 3098) (105066, Moscow, Elokhovsky proezd, 3, bldg. 2). The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions stipulated by the legislation of the Russian Federation. Date of publication: 14.10.2013 18:32:17
Message on the Central Bank website: Link

Notice of the decisions taken by the Bank of Russia to bring credit institutions and (or) officials, who are the sole executive bodies of credit institutions, to administrative responsibility for committing administrative offenses in the cases provided for in Article 15.27 of the Code of Administrative Offenses of the Russian Federation

(administrative penalty against a credit institution)
Credit institution registration number: 3098
Full corporate name of the credit institution: Closed Joint Stock Company Commercial Bank "RUBLEV"
Resolution on bringing to administrative responsibility (date): 05/21/2013
Resolution on bringing to administrative responsibility (number): 45-13-U / 0127/3110
Part number of Article 15.27 of the Administrative Code, on the basis of which the person was brought to administrative responsibility: Part 1 of Art. 15.27 Administrative Code
Date of publication: 13.06.2013 13:37:34
Message on the Central Bank website: Link

(administrative penalty against a credit institution)
Credit institution registration number: 3098
Full corporate name of the credit institution: Closed Joint Stock Company Commercial Bank "RUBLEV"
Resolution on bringing to administrative responsibility (date): 03/12/2013
Resolution on bringing to administrative responsibility (number): 60-13-U / 0004/3110
Date of entry into force of the resolution: 03/29/2013
Date of publication: 01.04.2013 14:11:28
Message on the Central Bank website: Link

Date of publication: 11.01.2013 15:16:26
Message on the Central Bank website: Link

Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections

On June 8, 2012, a planned comprehensive audit of the credit organization CJSC KB "RUBLEV" (registration number of the credit organization 3098) was completed (105066, Moscow, Elokhovsky proezd, 3, bldg. 2). The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions stipulated by the legislation of the Russian Federation. Date of publication: 22.06.2012 17:26:06
Message on the Central Bank website: Link

Credit organizations: 02.05.2012 3098 Closed Joint-Stock Company Commercial Bank "RUBLEV" Date of publication: 12.05.2012 13:16:06
The message on the website of the Central Bank:

Today, the main beneficiaries of the financial institute are the founder, co-owner and president of CJSC NK Nobel Oil * Grigory Gurevich (58.33%), as well as minority shareholders of the said NC, including the wife of Grigory Gurevich Vera Artyakova (through various structures controls 37 , 04% of the bank's shares) and their daughter Maria Nazarova (0.23%). Among the ultimate beneficiaries of the credit institution is Igor Gorlushkin (4.40%).

The bank's head office is located in Moscow. The sales network also includes two additional offices in the Moscow region, 11 credit and cash offices in other Russian cities (five of them in the Republic of Crimea) and an operational office in Gus-Khrustalny. Its own ATM network is represented by seven devices located on the territory of structural divisions. The headcount at the beginning of 2017 was 229 employees (a year earlier - 280 employees).

In addition to individuals, the bank calls its main clients enterprises in the oil, food, processing and light industries, pharmaceuticals and medical equipment, the publishing and printing industries, the agro-industrial complex, information technology, construction and transport.

Legal entities are offered a full range of basic banking services, including settlement and cash services, provision of guarantees, placement of funds on deposits, remote service (the "Client - Bank" system), salary projects and corporate bank cards, trade acquiring, rental of safe boxes, foreign exchange transactions, lending (including small and medium-sized businesses), as well as leasing operations.

Individuals have access to a wide range of deposits, settlement and cash services, safe rental, payments and money transfers (Contact, UNIStream, money transfers to and from Crimea), bank cards (Visa, MasterCard), Internet banking, brokerage services. The bank does not currently carry out consumer lending, with the exception of lending to employees or persons recommended by the governing bodies of the financial institution. As part of a special offer, the bank also offers mortgage loans for the construction of a cottage in the village of Zadorino.

The bank is characterized by an increased concentration of the resource base on household deposits, although their share has slightly decreased since the beginning of 2017 - from 73.1% to 68.2% by the reporting date. Funds from individuals are mainly attracted for periods ranging from one to three years. The attracted interbank loans form 13.0% in liabilities as of the reporting date (at the beginning of 2017 - 5.6%), all funds were attracted for short periods from commercial banks (in the reporting for the first half of 2017, the entire volume of interbank loans was attracted from JSC Bank National Clearing Center "within the framework of direct REPO transactions). The share of funds of enterprises and organizations in liabilities is 8.8%: the structure is dominated by perpetual subordinated loans included in the calculation of fixed capital, deposits with maturities from six months to a year and balances on settlement accounts. By August 1, 2017, the total adequacy of the bank's own funds fell below 11% (with a minimum of 8%) and fully coincides with the adequacy of fixed capital (minimum - 6%). At the same time, the adequacy of basic capital, which does not include perpetual subordinated loans, is almost two times lower than the total adequacy of equity capital - 6.1% (with a minimum of 4.5%). A share of 0.2% of liabilities is formed by its own issued promissory notes. The client base of the credit institution is small, with stable payment dynamics. Customer account turnover in recent months has been at the level of 6 billion rubles.

The loan portfolio as of August 1, 2017 is 11.4 billion rubles and since the beginning of the year has shown an increase of 5.6% due to corporate lending (+ 0.6 billion rubles, or + 6.0%). Loans to legal entities form 96.5% of the total portfolio. Retail loans on the balance sheet are represented by consumer loans, housing and car loans. Since the beginning of 2017, the bank has more than halved the volume of overdue debt (a decrease was observed in both retail and corporate portfolios), the share of overdue loans in the total volume of loans decreased over the same period from 3.0% to 1.3%. The level of provisioning is high and, in contrast to delinquencies, has significantly increased since the beginning of 2017 - from 7.0% to 11.3% of the loan portfolio. The level of collateral for the loan portfolio is assessed as insufficient (85.0%).

In the sectoral structure of the corporate loan portfolio, according to the explanatory information to the reporting for 2016, the following sectors of the economy prevailed: wholesale and retail trade (28.5%), manufacturing (12.8%), real estate transactions (11.2 %) and construction (5%). Other types of activities also accounted for a significant share (27.4%).

According to IFRS reporting, at the end of 2016 the bank had 22 borrowers (a year earlier - 27 borrowers) with the total amount of loans issued to each borrower in excess of 10% of the bank's equity capital. The total amount of these loans amounted to 7.95 billion rubles (a year earlier - 8.2 billion rubles), or 65.7% of the total volume of loans and borrowings before deducting provisions for impairment of loans and receivables (a year earlier - 73%).

The portfolio of securities - 2.6 billion rubles, since the beginning of 2017 has grown by 21%. The portfolio is 80% represented by bonds, a significant part of which is pledged under REPO transactions, and another 19% are “free” OFZs. Thus, on the one hand, investments in bonds are highly liquid, and on the other hand, the bank retains a reserve to build up its position on attracting in the repo market, if necessary.

All interbank loans as of the reporting date are placed with commercial banks for short periods. In the interbank lending market, the financial institute exhibits high intra-month activity, including in the placement of liquidity, although it acts mainly as a net borrower. The bank is also active in the market for conversion transactions. In particular, in recent months, the turnover on the accounts of the conversion operations has increased to the level of 700-800 billion rubles.

In January-July 2017, the bank incurred a net loss of RUB 272.1 million. For the same period in 2016, the bank earned 13.1 million rubles of profit. For the entire 2016, the net profit amounted to 11.7 million rubles. The main pressure on the bank's financial result in 2017 comes from expenses for creating reserves in the second quarter.

Board of Directors: Grigory Gurevich (chairman), Igor Fisenko, Sergey Shapoval, Olga Basalay, Dmitry Fominov.

Governing body: Olga Basalay (acting chairman), Tatiana Ovchinnikova (chief accountant), Artem Malenko, Elena Barenbaum.

* Nobel Oil Group is an independent oil and gas holding specializing in oil exploration and production in the Timan-Pechora oil and gas province and in the Khanty-Mansiysk Autonomous Okrug. The holding was founded in 1998 and includes enterprises of various industries. The key enterprise of the group is ZAO NK Nobel Oil, which is engaged in the management of subsidiaries and affiliates, consulting activities for the development and design of deposits. The main assets of the group are the oil producing enterprises of the Komi Republic - ZAO NeftUs and ZAO Kolvaneft, as well as several fields in the Khanty-Mansi Autonomous Okrug - Yugra. The holding group also includes CJSC ARM-Coating (a plant for applying protective coatings on the inner surface of oil pipes), LLC Northern Transport Company (transport services), LLC Devon-invest, LLC Staty-neftegaz-invest ... The managing company of the holding is Nobel Oil LLC (KO). Since 2009, the shareholders of the group are an investment fundChina Investment Corporation, a $ 300 billion asset manager and a leading Hong Kong investment groupOriental Patron... The president and main owner of the group is Grigory Gurevich, chairman of the board of directors of ZAO KB Rublev, a well-known oilman and a former official who held the post of vice president of the Tyumen Oil Company (TNK) from 2000 to 2001.

Rublev bank insider information. Bank ruble. About Bank Rublev