What is happening around the bank ugra. The collapse of the bank "Yugra": what it is known for and why it has problems
Politics, 18 Mar 2019, 09:03
The head of UVZ spoke about the complaint to the Central Bank about "Ugra" before the revocation of the license ... The head of Uralvagonzavod, Alexander Potapov, complained to the Central Bank about bank « Ugra»Shortly before the license was revoked from the latter. The reason for the appeal was ... a complaint about “ Ugra"Two months before the withdrawal from jar licenses. He himself said this in an interview with RBC. “There was such bank « Ugra", Whose license was revoked (in July 2017 - RBC). When I saw that given bank set the bet to 24 ...Business, 04 Feb 2019, 13:43
Arbitration has confirmed the legality of the revocation of the license from the bank "Yugra" ... the decision on the legality of the revocation of the license by the Central Bank jar « Ugra", Reports TASS with reference to the correspondent. "Statement jar « Ugra"On the revision of the decision of the arbitration court of the city ... revocation of the license from jar « Ugra". Later, the legality of the Central Bank's decision was confirmed by the Ninth Arbitration Court of Appeal in Moscow. September 2018 bank « Ugra"Declared bankrupt, in ... Operation "Liquidation": why borrowers of "Ugra" began to massively go bankrupt ... jar... During the survey jar back in July 2017, it turned out that 90% of the loan portfolio “ Ugra»Falls on projects related to owners jar business. Bank « Ugra... change the size of the recovered in favor jar debt, concludes Kolenchuk. How bank « Ugra»Lost the license of the Central Bank introduced a temporary administration in bank « Ugra", The main beneficiary of which was ...26 Sep 2018, 08:48
Bank Yugra declared bankrupt ... administrations have been discontinued, writes RNS. Now acting as the interim administration of PJSC Bank Ugra"Within three days must transfer to the" bankruptcy commissioner accounting documentation... July 2017 at bank « Ugra»A temporary administration was introduced, on July 28 of the same year the credit institution lost its license. Bank « Ugra", We recall, was founded in 1990 in Megion (KhMAO- Ugra). In October 1998 there was ... Former owners of "Yugra" will appeal against the decision of the Court of Appeal in favor of the Central Bank ... was the main shareholder jar... Earlier, the Ninth Arbitration Court of Appeal refused to satisfy the complaint of the former management jar « Ugra"On the introduction of interim administration in bank in the face ... in bank « Ugra"Was introduced by the decision of the Central Bank on July 10, and 18 days later the Central Bank recalled from" Ugra»License. At the time of license revocation bank « Ugra"Ranked 30th among Russian banks by assets and 15 ... Khotin will challenge the court decision on the claim of Alfa-Bank for $ 700 million ... and former owner jar « Ugra»Alexey Khotin will challenge the decision of the Meshchansky Court of Moscow on debt under surety agreements in favor of Alfa- jar worth ... Khotin was the owner jar « Ugra", Whose license was revoked by the Central Bank in July. This happened due to the fact that bank carried out manipulations with citizens' deposits, operations with signs of asset withdrawal and other violations. Later, the interim administration found out that 90% of the assets " Ugra ... The court satisfied the claim of Alfa-Bank against Khotin for $ 700 million ... The court ordered Alexey Khotin, the former owner jar « Ugra», To pay $ 700 million to Alpha- bank that the businessman owes under suretyship agreements. No settlement can be reached ... jar « Ugra", Debts under suretyship agreements in favor of Alfa- jar in the amount of "about $ 700 million". This was reported to RBC by a representative of Alfa- jar... Earlier in bank... Hotin was the owner jar « Ugra", Which at the end of July Bank Russia revoked the license. This decision was made, since in bank manipulations were carried out ... Alfa-Bank and Khotin announced their intention to settle a dispute for $ 700 million ... fulfills its obligations to the bank... What happened with " Ugra»Alexey Khotin - former owner jar « Ugra". At the end of July Bank Russia recalled from " Ugra»License. The reasons for ... that had signs of asset stripping. Also during the research jar it turned out that 90% of assets jar(236 billion rubles) falls on structures associated with ... administration jar Galina Aleksentseva, by mid-September overdue debt on principal and interest from 130 out of 140 borrowers from “ Ugra»Companies ... Khotin will appeal against the decision to recover 2.6 billion rubles. in favor of Alfa Bank ... lawyers of the former shareholder jar « Ugra»Alexei Khotin are going to file an appeal against the decision to collect the debt in favor of Alfa- jar, which on November 8 ... the Moscow court to collect $ 43.33 million in favor of Alfa- jar, since there are no grounds for early repayment of the loan, "said a representative of the entrepreneur ... to the loan, which expires in December 2017. However, Alpha bank demanded to repay it ahead of schedule and filed a claim, which, in the opinion ... Alfa-Bank won a claim against Alexei Khotin for 2.6 billion rubles. ... the court ordered the main owner jar « Ugra»Alexey Khotin to pay Alpha- bank 2.6 billion rubles Bank demanded early repayment due to suspicions that ... the loan Meshchansky District Court of Moscow satisfied the claim of Alfa- jar filed against the main owner jar « Ugra"Alexey Khotin, oh early repayment almost 2.6 ... before the bank are fulfilled, "the press service of Alexei Khotin said in a statement. What happened with " Ugra" At the end of July Bank Russia revoked the license from jar « Ugra", The main ... The shareholder of "Ugra" offered new plan rescue bank ... also servicing this debt on the terms of the stabilization loan rates applied Bank Russia during the reorganization of other organizations in 2015 and 2016 ... years. The majority shareholder was ready to send to the rescue jar 21 billion rubles own funds. Bank « Ugra"Was established in the Khanty-Mansi Autonomous Okrug in 1990. In 2016, he changed his registration to Moscow. The Central Bank introduced a temporary administration in " Ugra ... "Hole" in the capital large bank can grow one and a half times ... Hole "in the capital jar « Ugra", Which has been deprived of its license, may grow to 135 billion rubles. Previously ... billion rubles. Bank Russia in the course of inspections revealed numerous violations the bank requirements of the regulator to assess credit risk, as well as the presence of Ugra"" Serious ... " Ugra»July 10, 2017, and later revoked the license from jar... The Prosecutor General's Office of the Russian Federation demanded to cancel the orders of the regulator, but this did not happen. Bank « Ugra" was... The Central Bank warned about the risk of increasing the hole in the capital of Yugra to 135 billion rubles. ... capital jar « Ugra", In which a temporary administration was introduced in July, may increase to 135 billion rubles, according to a letter from the first deputy chairman Jar Russian Dmitry Tulin. In September, it was estimated at 86.1 billion rubles. The size of the imbalance between the assets and liabilities of the person who has lost the license jar « Ugra... assets - from 197.25 billion rubles. up to 113 billion rubles. Bank « Ugra", Of which Aleksey Khotin is the main beneficiary, lost his license in ... The representative of Khotin called the claims of Alfa-Bank pressure on the borrower ... Representative of the ex-owner jar « Ugra"Alexei Khotin commented on the requirement of Alpha- jar companies associated with the beneficiary of the offshore Radamant Financial AG, to pay off the debt ... today all the company's obligations to the bank are executed. During the specified period, the company repaid bank about $ 200 million. At the moment, all ... The Tyumen Matryoshka business owes hundreds of billions to banks ... reached 26.6 billion rubles. Total debt companies before banks as of September 1, 2017 amounts to 1 trillion 128 billion ... the debt of legal entities and individual entrepreneurs front banks is equal to 639.6 billion rubles. V Ugra the indicator on overdue debt decreased slightly. Month ... month the indicator increased by 500 million. The total debt of companies to banks amounts to 2 trillion 563.8 billion rubles. The top management of "Ugra" will appeal against the court decision. Investors prepare a picket ... Former management and owners jar « Ugra"Will appeal against the decision of the Moscow Arbitration Court, which on Tuesday, 10 ... bank was taken out illegally. "The order on additional provisioning for loans was received" Ugra»July 6, 2017. But... . Myself bank filed a lawsuit against the Central Bank with the Moscow Arbitration Court to declare the decisions and actions (inaction) of the regulator illegal. Later " Ugra»The license was revoked. Bank « Ugra ...Business, 29 Sep 2017, 15:31
Nabiullina declared the impossibility of "curing" the business model of "Yugra" ... Conduct a recovery jar « Ugra", The business model of which consisted in" aggressive attraction "of deposits from the population in ... noted that bank Otkritie served as a financial intermediary, while Ugra»Was mainly engaged in attracting deposits from the population. Bank Russia revoked the license from " Ugra"28 ...Business, 26 Sep 2017, 19:55
Rosgeologia filed a lawsuit against the developer of the Dulisminskoye field .... The settlement account "Rus-Oil" is located in the Moscow branch jar « Ugra". Representative of the largest co-owner " Ugra"Alexei Khotin said that the businessman only owns oil assets ... in" Ugra", Says the interlocutor of RBC. Pledge of 100% of "Multanovsky" in bank « Ugra"By two credit agreements confirmed by an extract from the Unified State Register of Legal Entities. Pledged by " Ugra" and...20 Sep 2017, 10:31
In "Ugra" they called the plan to rehabilitate the bank "fiction" .... This is reported in the official statement of representatives of the ex-chairman of the board. jar « Ugra”By Dmitry Shilyaev, which was received by RBC Tyumen. "In the materials ... of the regulator on the introduction of bank provisional administration. The next meeting will take place on September 26th. The central bank first introduced interim administration in bank « UgraUgra in 1990, in 2016 bank changed ...15 Sep 2017, 08:03
Borrowers of "Yugra" stopped paying on loans ... Borrowers jar « Ugra»Practically stopped paying their debts. Arrears on loans from ... are irrecoverable ", - the head of the interim administration is quoted as saying" Ugra"Galina Aleksentseva" Vedomosti ". For a number of large borrowers jar the arbitration court has already initiated cases about ... the administration in bank « Ugra”, And then revoked his license. The credit institution was established in the Khanty-Mansi Autonomous Okrug Ugra in 1990, in 2016 bank changed ... "Yugra" complained to the Central Bank in court due to the revocation of the license ... Bank « Ugra"Sent a claim to the Moscow Arbitration Court to invalidate the revocation of the license by the Central the bank Russia. Statement of claim was filed by the ex-chairman of the board jar... temporary administration. " Final battle for " Ugra": Why the Central Bank did not save bank Central Bank introduced temporary administration in bank « Ugra"July 10th. Nine days later, on July 19, his orders regarding “ Ugra"Prosecutor General's Office protested ... Due to the collapse of Yugra, they want to hold a referendum on reforming the Central Bank ... he. Savers jar « Ugra"Chanted:" Return our money. " People also shared their stories with reporters. Thus, an activist of the VKontakte group jar « Ugra"Nikolay Nikolaev said that he sold the apartment at the beginning of the year, put the money in bank to buy a house in the summer ... the administration in bank « Ugra”, And then revoked his license. The credit institution was established in the Khanty-Mansi Autonomous Okrug Ugra in 1990, in 2016 bank changed ... The Tyumen mayor's office made a decision on the rally of depositors of the bank "Yugra" ... Contributors jar « Ugra", Whose license was revoked by the Central Bank, will go to a rally in Tyumen. ... that the Deposit Insurance Agency (DIA), in the event of bankruptcy " Ugra", As soon as possible found a major player in the banking sector who can ... The media learned about the increase in the hole in the capital of Bank Yugra fourfold ... Negative equity jar « Ugra"Grew to 31.14 billion rubles., Learned the newspaper" Izvestia ". Previously Bank Russia assessed the capital hole credit institution RUB 7.04 billion Provisional Administration for Management the bank « Ugra"Ordered the credit ... arbitration statement of recognition" Ugra»Bankrupt. At the same time, on August 14, it became known that among the shareholders jar « Ugra"If he resumes ... Depositors of a large bank that bankrupt the Central Bank will go to a rally ... The Moscow Mayor's Office has approved a meeting of depositors jar « Ugra”, Whose license was revoked. The protest action will take place on August 23 in ... Vladimir Chernikov. He added that activists can increase the number of participants. Bank « Ugra"Was created in the Khanty-Mansi Autonomous Okrug in 1990, and in 2016 ..." Ugra»July 10, 2017. Later, the Prosecutor General's Office of the Russian Federation demanded to cancel the orders of the regulator. but Bank Russia revoked the license from credit institution... Myself bank sent ... Saudi prince is ready to become a shareholder of Ugra Bank, deprived of its license ... capital jar « Ugra»If the credit institution starts working again. This was reported to RBC Tyumen by the press service of Alexey Khotin, the main shareholder of " Ugra". By... . Bank « Ugra"Was created in the Khanty-Mansi Autonomous Okrug in 1990, in 2016 it changed its" registration "to the Moscow one. The Central Bank introduced a temporary administration in " Ugra"10 ... The Prosecutor General's Office of the Russian Federation demanded to cancel the orders of the regulator. but Bank Russia decided to revoke the license from " Ugra". Myself bank sent a claim to the Moscow Arbitration Court to ... The bank, which wants to bankrupt the Central Bank, pledges millions of tons of oil ... V bank « Ugra»Commented on the claim of the Central Bank for the bankruptcy of a credit institution. “It took literally ten ... and seeks to ruin bank", - the ex-head expressed the opinion of" Ugra"Alexey Nefedov. RBC Tyumen was told about this in the press service jar... According to Nefedov ... - for the weak position of the regulator and lack of evidence. It is very beneficial to admit bank bankrupt and start exporting his property, ”Nefedov said. Wherein... The central bank bankrupt a large credit institution ... The Central Bank filed an application for recognition with the Moscow Arbitration Court “ Ugra»Bankrupt. The documents were submitted on Monday, August 7th. Details of the case ... Tyumen, July 24 Arbitration court Moscow, a statement was registered “ Ugra»Demanding that the decisions and actions of the Central Bank be declared illegal. Preliminary meeting ... August. The Central Bank, we recall, revoked the license from the credit institution on July 28. Bank ... Statements by the Central Bank regarding the reasons for the revocation of the license from jar « Ugra"Do not stand up to scrutiny. This opinion was expressed by the president of the credit institution ... before the bank"- said in a statement on behalf of Nefedov. Over the past few years, reporting “ Ugra"Did not raise questions from the regulator, according to bank... According to Alexey Nefedov, shareholders and top management “ Ugra"Will defend ...The situation around Bank Yugra is becoming more and more tense. After yesterday's protests were sent to the Central Bank, the Prosecutor General's Office today summoned representatives of the Deposit Insurance Agency (DIA) and the head of the temporary administration of the bank "Yugra" Dmitry Onegin for an explanation. Yesterday, the Prosecutor General's Office warned the DIA against unlawful payments.
As it became known to Kommersant, today the Prosecutor General's Office (GP) sent a telephone message to the DIA addressed to the head of the state corporation Yuri Isaev and the head of the interim administration of Bank Yugra Dmitry Onegin (the document is at the disposal of Kommersant). “In accordance with Art. 6 of the Federal Law "On the Prosecutor's Office of the Russian Federation" in connection with the verification of the implementation of the legislation on banks and banking I ask you to send representatives of the state corporation and the head of the interim administration to the General Prosecutor's Office by 11 o'clock on July 20 ”. The Prosecutor General's Office and the DIA were unable to promptly comment on this information.
This challenge followed yesterday's directive by the Prosecutor General's Office of two protests to the Central Bank regarding the actions of the regulator in relation to Bank Yugra (the interim administration and the moratorium on satisfying creditors' claims were announced on July 10). As follows from the documents of the State Enterprise, the prosecutors strongly disagree with the legality of the Central Bank's actions, citing the absence of grounds for such actions established by the Bankruptcy Law. Prosecutors demanded to promptly respond to their request, and until then cancel the order on the introduction of temporary administration and suspend payments on the bank's deposits (scheduled for today).
As Kommersant reported, after the instructions of the state enterprise, the agency urgently sent letters to five agent banks to suspend payments (it is planned that payments in the amount of 173 billion rubles will be received by 260 thousand depositors). This was reported to Kommersant in the agent banks. However, after that, late in the evening - at 22:33 - the DIA sent the media an official comment that payments would begin as planned. “In the evening after the protest of the Prosecutor General's Office, the Central Bank and the DIA decided to suspend payments, - said today the head of VTB 24 (one of the agent banks for payments) Mikhail Zadornov. start today. " From my point of view, it was the only thing Possible Solution for one simple reason, he added. “In reality, the bank“ Yugra ”, from the moment of the introduction of the provisional administration, is controlled by the provisional administration, and not by the past owners. And any ambiguity in this responsibility raises questions from the point of view of who is responsible for the bank's position, and naturally, the depositors have questions, ”concluded Mr. Zadornov (quoted by TASS).
Nevertheless, as reported today on the banki.ru website, not all banks started payments on time, and customers complained about interruptions in receiving money at Sberbank branches, in particular, in Novosibirsk and Krasnoyarsk. Recall that insurance payments are made from funds of agent banks, which are later compensated by the DIA. Thus, the risks for the distribution of money now lie with the banks themselves.
As it became known to Kommersant, simultaneously with the protests against the orders of the Central Bank, the Prosecutor General's Office sent a warning to the DIA “on the inadmissibility of violating the legislation on deposit insurance individuals, insolvency (bankruptcy) ". The document (at the disposal of Kommersant) is addressed to Yuri Isaev and Dmitry Onegin. The State Enterprise announced a warning "on the inadmissibility of making insurance payments to depositors of the bank" Yugra "". "I warn you that in the event of continued illegal actions, the Prosecutor General's Office will consider the issue of bringing you to justice in the manner prescribed by law." The document was signed by Deputy Prosecutor General Vladimir Malinovsky. According to Kommersant's sources, the DIA was familiarized with the document, however, following the meetings with the Central Bank and agent banks, it was decided to make payments in a planned manner so as not to stir up panic among depositors.
Dmitry Abzalov, President of the Center for Strategic Communications, on the air of Kommersant FM:“Previously, shareholders thought that they could just sit it out. But, as practice has shown, now the Central Bank still requires compensation, so the shareholders also found themselves in a very difficult situation... They are well aware that the bankruptcy of a financial institution can be painful for them, and they will have to sell everything. The Central Bank decided to really be reinsured so as not to cover everything from reserves. But reverse side This medal was that the shareholders began to use their entire hardware resource, just to prevent the financial organization from collapsing. This is the first precedent, it shows that it will be possible to resist the position of the Central Bank. After all, none of the financial institution she did not successfully get out of this confrontation, no one intervened in this process. If now the prosecutor's office will defend the bank, then it will become possible, for example, to resist the recall system ”.
Yulia Lokshina, Nikolay Sergeev, Vladislav Trifonov, Ksenia Dementieva
Why was a temporary administration introduced to Bank Yugra?
July 10 in the 30th place on Russian market Bank "Yugra" was introduced temporary administration. The regulator made this decision due to the threat to the interests of the bank's creditors and depositors. The Provisional Administration should conduct a survey of the bank's financial situation and decide whether there is any reason to bail it out. A weighty argument in favor of the reorganization is the colossal volume of deposits - more than 180 billion rubles: banks with such a volume of funds from the population have not yet revoked their licenses. In the event of reorganization, it is possible that Ugra will become the first bank where the Central Bank will test its own rescue mechanism - through the consolidation fund.
The day before central bank Russia has introduced a temporary administration in the bank "Yugra" on the basis of the poor financial position of the credit institution. For the first time, it got to the point that the General Prosecutor's Office itself protested two orders of the Central Bank regarding the management of the bank. Despite the protest, on July 20, the Deposit Insurance Agency (DIA), on the basis of decisions of the financial regulator through agent banks, began paying deposits. That is, the bank has already been virtually destroyed.
The vice-president of the Association of Regional Banks of Russia commented on the truly scandalous situation on the air of the Tsargrad TV channel Jan Art.
It is not very clear why it was necessary to "finish off" the bank "Yugra"
The expert criticized the situation in which the protest of the General Prosecutor's Office is ignored. In that case, it would be worth stopping, but no.
"This, excuse me, is not someone, this is a legal body, it observes the rule of law, and, quite possibly, if I do not see something, then the prosecutor's office can. I would have stopped. However, the process did not stop, the payment to depositors began. So, reversibility for the bank is almost at zero, "he said.
"Ugra" may not have been destroyed as entity but as a financial institution, sure, Art said. Now, of course, there will be full payment of deposits, and the bank will be without people, without deposit clients - except with credit ones.
According to the comments of the external press service of Aleksey Khotin, the majority shareholder of Bank Yugra, the General Prosecutor's Office confirmed that Bank Yugra is "a financially stable organization with the necessary liquidity and sufficient funds to carry out its activities." It also mentions that in 2017 alone, Khotin invested 30 billion rubles of his funds in the bank's capital, and is ready to continue in the same spirit. In addition, the businessman agreed to comply with the instructions of the Central Bank.
Doesn't it turn out that this statement has already been disavowed by the beginning of payments? According to Art, from a financial point of view, it is disavowed. He explained that if the withdrawal of deposits through the DIA payment system has already begun, then there will be no deposit base in the bank.
The question immediately arises. Let's say the owners of the bank, having received some instructions from the regulator about the risks, declare that they are ready to pay everything and ask to give them the opportunity to "catch their breath a little". In the American system, in this case, they decide on the timing and introduce their own observation. “And Khotin seemed to (at least publicly) demonstrated his readiness to fulfill, he didn’t wave it off, and he didn’t go anywhere. Therefore, the situation is not very clear: why did Bank Yugra need to, in fact, finish off.”
A funny spectacle is played out before our eyes
Do not forget that the head of the DIA and the head of the temporary administration of the Yugra bank were summoned to the General Prosecutor's Office to testify.
“As a citizen, I perceive that the prosecutor’s office exercises legal supervision over each subject of law without restrictions - that is, in general, if it comes to violating the constitution, then up to the president. At least, it should be so. Therefore, now in our eyes perhaps a funny spectacle is played out when one influential and important state institution simply says: we are not listening to the other, "Art noted.
The Deposit Insurance Agency, unlike the Central Bank, is a body under the executive branch, the vice-president of the Association recalled. Thus, it is definitely not an independent structure. "The agency certainly must comply with the instructions of the Prosecutor General's Office ... Perhaps there are explanations. Sadly, we do not see them. Today we do not see any intelligible explanation from the Central Bank," he added.
According to Art, in such a situation, the Central Bank must somehow justify its actions and give some kind of proposal for further agreement. "In the end, you can not renounce your actions, but postpone them, and somehow enter into a dialogue with the prosecutor's office." And the judgment is equal for everyone.
"Suddenly one day bang - everything is not normal in the bank"
According to Art, in general, the wording of the statements is too general - it makes you think. “It sounds something like this: colleagues, before that there were a lot of checks, planned, unscheduled, and everything is fine, everything is fine, everything is fine, and suddenly one day bang - everything is not normal in the bank. Then the question is: what was checked before? this situation, unfortunately, applies to many banks, "says Art.
The question arises: maybe the regional and territorial branches of the Central Bank do not work well in terms of supervision, since then management comes and suddenly revokes the license?
The initiator of the option is ACB, Art recalled. Accordingly, either the ASV simply violates the normal legal regime, or is obliged to somehow explain to the prosecutor's office why it is right. "But so far the legal basis is not very clear."
"They are reporting a hole in a certain bank. A temporary administration comes. The same Tatfondbank. Two months later, as an ordinary person, they tell me in the news: the hole is twice as large. I have a question: but for two months the temporary administration did what it was doing there? Did you enlarge the hole? "
Image copyright Svetlana Kholyavchuk / Tass Image caption The controlling shareholder of the bank "Yugra" is a mysterious native of Belarus Alexei Khotin
The Central Bank has introduced a temporary administration in the bank "Yugra", which is one of the twenty largest Russian banks in terms of attracted deposits from the population. The regulator estimated the amount of deposits at 180 billion rubles. This is the largest insured event in the history of Russian banks.
The central bank of Russia said on Monday it had found signs of asset stripping, deposit fraud and misreporting at Yugra Bank, which is controlled by non-public businessman Alexei Khotin.
The introduction of a temporary administration for six months means that the powers of the bank's shareholders and management have been suspended.
Usually, the tasks of the interim administration include assessing the "hole" in the bank's capital, that is, the difference between the bank's assets and its liabilities. Practice shows that if the size of this "hole" turns out to be relatively small, then the bank will be sanitized. Otherwise, Ugra may lose its license.
In addition to the introduction of a temporary administration, a moratorium on settlements with creditors was introduced in the bank.
According to the law, the moratorium is an insured event, that is, depositors in July will be able to apply to the Deposit Insurance Agency (DIA) for payments. Maximum size insurance compensation is 1.4 million rubles.
"The volume of deposits is more than 180 billion rubles, most of these deposits are insured - as of June 1, almost 170 billion rubles of deposits are insured, that is, they fall under the deposit insurance system," Vasily Pozdyshev, deputy chairman of the Central Bank, told reporters.
There have never been such payments in the history of the DIA. The BBC's Russian service tells what the Choline Bank is known for and how it came to the brink of collapse.
What is known about Ugrae"
- one of the largest Russian banks
According to data from banki.ru, Ugra ranks 30th in Russia in terms of assets. The bank ranked 16th in terms of loans: Yugra's loan portfolio amounted to 262 billion rubles as of May 2017.
- one of the most active players in the deposit market
The bank held almost 182 billion rubles of individuals' deposits - this is the 15th place in Russia in terms of household deposits.
V last years the bank actively attracted deposits. For example, in 2015, deposits of the population in Ugra increased by 137%. For comparison, over the same period, deposits of individuals at Sberbank increased by only 29%, at VTB - by 36%.
The active activity of "Yugra" in the market of households' deposits attracted the attention of the Central Bank, because the bank accepted deposits at rates higher than market rates. In March, the bank limited the attraction of deposits from the population, it was a restrictive measure on the part of the Central Bank, Vedomosti wrote.
- one of the leaders in business growth
2012 to 2017 authorized capital bank grew from 170 million rubles to almost 13 billion rubles, said the president of "Ugra" Alexei Nefedov at a forum in St. Petersburg.
"In a short time, the bank made a radical breakthrough. From a small financial institution in the Tyumen Megion, a city where only 40 thousand people live, Ugra has become one of the top 30 largest Russian banks. This is the merit of the entire team, primarily the shareholders," - said Nefedov.
- the bank lent to the owners' business
More than half of Yugra's loan portfolio falls on loans to the bank's shareholders, Central Bank Deputy Chairman Pozdyshev said after the introduction of the provisional administration.
“We have sent appeals to law enforcement agencies,” he said.
The bank invested all the funds raised in Russian companies in different sectors of the economy, said the president of "Ugra" Nefedov.
What is known about the shareholders of "Yugra"
- controllingthbank shareholder- Belarusian-born businessman Aleksey Khotin
Alexey Khotin appeared in the list of Yugra shareholders in January 2016. At that time, as indicated in the bank's documents, he owned 0.48% of the bank's shares. Another 52.4% of the shares belonged to the Swiss company Radamant Financial AG, of which Khotin is the beneficiary.
According to Forbes magazine, the structures of Alexei Khotin and his father Yuri Khotin bought the financial organization in 2012. The magazine estimates the fortune of Alexei Khotin at $ 950 million. Ranked richest businessmen In 2017, it is ranked 110th.
“The owner of the bank“ Yugra ”Aleksey Khotin plans to support the bank until the full financial recovery - the main thing is that we should be given such an opportunity,” said bank president Nefedov, whose words were conveyed to journalists by the press service of “Yugra”.
- kings of Russian real estate
Alexey and Yuri Khotin are regularly included in the rating of the rentiers of the Russian Forbes. In 2017, father and son ranked eighth on the list. According to the magazine, they rent out almost 1.3 million sq. m of retail and office real estate.
Rental income in 2016 was $ 295 million, according to Forbes. The magazine wrote that the Khotins own the Gorbushkin Dvor shopping center, the Four Seasons hotel near Red Square and other real estate in Moscow.
But in April 2017, businessman Sergei Podlisetsky told Lenta.ru that he was the owner of Gorbushkin Dvor, and Alexei Khotin only lent him part of the funds for the purchase. In June of this year, the Kommersant newspaper wrote that a friend of the Khotin family, Podlisetskiy, had sold the shopping center to the main owner of Pharmstandard, Viktor Kharitonin.
In addition, the Khotin family is believed to have an oil business. The total oil reserves in the fields developed by the Khotin structures are estimated at 215 million tons (for comparison, Rosneft produced 203 million tons of oil in 2015).
- ties with Belarus
Forbes wrote that the business of the Khotin family acquired "a different scale" after the ex-head of the Ministry of Internal Affairs of Belarus Vladimir Naumov, who fell into disgrace, moved to Moscow.
According to the sources of the publication, in Russia the former minister began to help fellow countrymen, allegedly using his connections. In particular, the magazine wrote, Khotin is well acquainted with the former head of the Ministry of Internal Affairs of Russia and ex-speaker of the State Duma Boris Gryzlov.
Also, the media reported that Viktor Lagvinets, an associate of the former manager of the President of Belarus Ivan Titenkov, works in the structures of the Khotin family. In the late 90s, Lagvinets was detained on charges of abuse of office, and then released.
- sponsor of Putin's Night Hockey League
Since 2013, Yugra Bank has been a sponsor of the Night Hockey League (NHL), an amateur sports organization created in 2011 on the initiative of Vladimir Putin (then he was prime minister).
Putin regularly participates in NHL matches and scores several goals in each game.
It is not yet known who will be the partner of the league instead of Ugra. "While the situation is not clear, it has not been discussed. But life does not end there, there will be another partner," a member of the NHL board Sergei Babinov told Interfax.
The general director of the league, Igor Bakhmutov, told TASS that the bank's problems would not affect its financial position.
- avoid publicity
Journalists have repeatedly tried to find out what Alexey and Yury Khotin look like, but they cannot be photographed. Businessmen don't appear in public.
One of the largest banks in Russia - one of the top 30 - Yugra is on the verge of revoking its license. Today, the Central Bank decided to introduce a temporary administration in it. The regulator said that such a decision was made in connection with the unstable financial situation"Ugra". The volume of individuals' funds in the bank is 173 billion rubles, corporate clients keep 45 billion rubles in it.
The Central Bank entrusted the functions of the provisional administration, which will manage the bank for six months, to the Deposit Insurance Agency. For the period of work of the temporary administration, the powers of shareholders related to participation in the authorized capital, as well as the powers of the bank's governing bodies, have been suspended.
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Simultaneously with the introduction of the provisional administration, the regulator introduced a moratorium on the satisfaction of creditors' claims. The incident is an insured event. Payments to Yugra depositors will begin no later than two weeks after the moratorium was imposed. The situation with the bank may turn out to be the largest insured event in the entire history of the country's banking sector.
Head of the Association of Regional Banks, Head of the State Duma Committee on financial market Anatoly Aksakov expects that the bank will be reorganized or capitalized. “I expect that, nevertheless, this bank will be sanitized with the help of new procedures, which are now approved by law, and all the bank's creditors will get out of this situation without loss,” TASS quotes him. “At the same time, I hope that the bank has the necessary the volume of assets that will allow it to function effectively and, if necessary, so that the Central Bank can enter capital and increase capital to the amount necessary to comply with the Central Bank's standards. "
Shortly before the introduction of the moratorium, the Central Bank carried out an unscheduled check in Yugra. The reason for this was a failure, as a result of which customers experienced problems with conducting financial transactions... Representatives of the regulator, according to Vedomosti, intended to check the completeness and timeliness of the fulfillment of obligations to customers during an emergency, deposit operations and operations with other funds of individuals, as well as information Technology jar. However, in the end, the bank's loan portfolio was checked.
The failure in "Ugra" occurred at the end of April, the bank explained it by violations in the external power supply system. Clients reported having difficulty getting money. Everything worked out only two days later. Experts believe that the bank had liquidity problems. "Ugra" was in the top 30 in banking system countries by assets. The network of the lending institution has more than 100 offices throughout the country.
As previously reported, Otkritie FC Bank was assigned a BBB rating on the national scale last week with a "stable" outlook. This decision was made due to the weak ability financial institution generate capital. According to experts, a significant pressure on its creditworthiness is exerted by the weak quality of assets of FC Otkritie, as well as the likelihood of a negative impact on liquidity and capital adequacy from the parent company.
The BBB- rating assigned to Otkritie imposes a number of restrictions on it. On bank deposits financial company will not be able to allocate budget funds and pension savings non-state pension funds. In addition, the bank's securities issued after July 14 will not be included in the Central Bank's Lombard list due to an insufficient rating.