Southern Regional Bank. Southern Regional Bank LLC Southern Regional Bank license
The bank was established in 1994 as a limited liability partnership and was named commercial Bank"Azcherbas" ("Azov-Black Sea Banking Union"). In 2002 financial institution acquired its modern name - "Southern regional bank"- and changed its organizational and legal form to a limited liability company. In 2012, the non-banking credit organization United Clearing House was merged with the bank, operating in the form of a limited liability company. Since March 2005, the credit institution has been included in the system compulsory insurance deposits individuals.
The sole shareholder of the bank is a member of the Board of Directors (since 2012) Tatyana Anisimova. It is worth noting that the information disclosed by the bank about the governing bodies does not contain any additional information about Ms. Anisimova.
At the address of "registration", in Rostov-on-Don, the bank has a single office (head office). At the same time, the credit institution has a branch, four additional offices and one operating cash desk outside the cash point in Moscow, as well as a branch in St. Petersburg. The bank's staff, according to the latest available data, exceeded 80 people. The credit institution does not have its own network of ATMs and terminals.
The bank offers the following services and products to individuals: cash settlement services, a line of deposits, loans, bank cells, Money transfers (« gold Crown»), plastic cards(MasterCard), HandyBank Internet payment service.
Legal entities have access to settlement and cash services, loans, currency operations, customs cards, remote banking services(system "ibank2"), corporate cards, etc.
According to IFRS financial statements, the main borrowers of the bank are trade enterprises. However, if at the end of 2015 they accounted for more than half of the total loan portfolio, then by the end of 2016 their share was reduced to a quarter. At the same time, in 2016, the share of borrowers increased from almost zero to 20.5% of the portfolio - enterprises engaged in operations with real estate, rental and provision of services. The list of main borrowers also includes wood processing enterprises with a share of 11.6% at the end of 2016.
In the segment settlement and cash services The main clients of the financial institution are also trade enterprises, which accounted for 27.2% of all customer funds at the end of 2016. However, a year earlier, their share was higher (slightly more than a third), while there were no balances of client funds from construction and finance / investments, which by the end of 2016 already accounted for 10.7% and 7.6% of all client liabilities, respectively.
In the first half of 2017, net assets credit institution decreased by almost a third - to 621.7 million rubles as of July 1. During this period, there was a significant decrease in the volume of client obligations in liabilities: the funds of legal entities decreased by 76.2%, and the deposits of individuals - by a third. In assets, the main "losses" fell on the portfolio of issued interbank loans (decreased by 67%) and highly liquid balances (-56.9%). At the same time, the bank had enough liquidity to increase its key balance sheet item, loans to corporate clients, by 40%.
About 66% of the credit institution's liabilities for reporting date make up their own funds. Own funds are fully represented by fixed capital, there are no subordinated loans in liabilities. Deposits of individuals (largely formed by deposits for terms of one to three years) account for 14.0% of liabilities; funds of enterprises and organizations, fully represented by balances on settlement accounts - 11.1%. The activity of the bank's client base for Lately decreased slightly compared to previous years, turnover on customer accounts in the first half of the year amounted to 0.5-2.1 billion rubles.
In assets, 40.8% is the loan portfolio, 35.7% is accounted for by the portfolio of interbank loans issued in the form of deposits with the Central Bank, 16.0% - highly liquid balances (funds on correspondent accounts and on hand), another 6.2% are other assets , including investments in acquired rights of claim.
The loan portfolio by the reporting date was 95% formed by loans legal entities. Portfolio arrears are traditionally kept at a low level, although in the first half of 2017 their share increased from 1.4% to 2.5%. At the same time, the level of provisioning for such a low share of overdue loans is quite high - 12.2% as of the reporting date (12.1% at the beginning of 2017; at the beginning of 2016, the provisions were 23.6% of the portfolio with an overdue of 0, 4%). The need to form such impressive reserves is probably due to the high concentration of the loan portfolio on large borrowers. According to IFRS statements for 2015, the entire volume of loans issued (including retail) accounted for 24 borrowers (in 2016 statements this information not disclosed). The level of property collateral traditionally covers the loan portfolio by an average of one and a half times. The bulk of the loans issued by the bank for terms ranging from one to three years.
The credit institution is a fairly active participant in the interbank loan market, since October 2016 it has been placing liquidity exclusively on deposits with the Central Bank: the placement turnover for the specified period amounted to 1.4-5.7 billion rubles.
In the first half of 2017, the bank incurred a loss of 23.3 million rubles against a net profit of 3.1 million rubles for the same period of the previous year. Net profit for 2016 amounted to 1.3 million rubles.
Board of Directors: Vladimir Kovrigin (Chairman), Tatyana Anisimova, Alexander Surinov.
Governing body: Igor Kogakov (chairman), Evgenia Shcherbakova, Elena Sobolevskaya, Natalya Borovichenko.
central bank Russian Federation(Bank of Russia)
Press Service
107016, Moscow, st. Neglinnaya, 12
On the revocation of the banking license from the bank "Southern Regional Bank" and the appointment of an interim administration
By Order No. OD-1830 of the Bank of Russia dated July 20, 2018, from July 20, 2018, the banking license of the credit institution Yuzhny Regional Bank Limited Liability Company YuRB LLC (registration No. 3015, Rostov-on-Don) was revoked ). According to the reporting data, in terms of assets as of July 1, 2018, the credit institution occupied 487th place in the banking system Russian Federation and did not have a significant impact on the aggregate indicators of the banking sector of the Rostov region.
The activities of YuRB LLC have been characterized for a long time by a significant decline in business activity and an outflow of the client base against the backdrop of a negative business reputation of the management of the credit institution. At the same time, the bank inadequately assessed the accepted credit risks. In addition, violations of the requirements of regulatory acts of the Bank of Russia in the field of combating the legalization (laundering) of proceeds from crime and the financing of terrorism were established in the activities of OOO YURB.
The Bank of Russia has repeatedly (4 times over the past 12 months) applied supervisory measures against YuRB LLC, including restrictions on attracting deposits from the public.
The management and owners of the credit institution did not take effective measures to normalize its activities. Under the circumstances, the Bank of Russia took a decision to revoke the banking license from YuRB LLC.
The decision of the Bank of Russia was made in connection with the failure of the credit institution to comply with federal laws governing banking activities, as well as the regulations of the Bank of Russia, repeated violations within one year of the requirements of the regulations of the Bank of Russia, issued in accordance with federal law"On countering the legalization (laundering) of proceeds from crime and the financing of terrorism", given the repeated application within one year of the measures provided for by the Federal Law "On central bank Russian Federation (Bank of Russia).
In accordance with the order of the Bank of Russia No. OD-1831 dated July 20, 2018, a temporary administration was appointed to YuRB LLC for a period of validity until the appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of a bankruptcy trustee or appointment in accordance with Article 23.1 of the Federal Law about banks and banking» liquidator. The powers of the credit organization's executive bodies have been suspended in accordance with federal laws.
YuRB LLC 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 deposits of individuals in banks of the Russian Federation” in relation to the bank's obligations on deposits of the population, 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 of funds, but not more than 1.4 million rubles in total per depositor.
Registration number: 3015
Date of registration by the Bank of Russia: 03.08.1994
BIC: 046015933
Main state registration number: 1026100008373 (15.11.2002)
Authorized capital: RUB 317,800,000
License (date of issue/last replacement):
License for banking operations with funds in rubles and foreign currency(without the right to attract deposits Money individuals) (10/18/2012)
License to attract deposits of individuals' funds in rubles (10/18/2012)
Participation in the deposit insurance system: Yes
Southern Regional Bank LLC was established in 1994 as the Azov-Black Sea Banking Union. In 2002, the financial institution acquired its modern name. Today “Southern Regional Bank is a medium-sized financial institution, the main client base and the sphere of residence of which is concentrated in Rostov-on-Don, Moscow and St. Petersburg. Its sole beneficiary is Tatyana Anisimova.
Branches of YURB are represented by:
- Head office in Rostov-on-Don;
- Branch in St. Petersburg;
- 4 additional offices and cash desk in Moscow.
There is no ATM network at YURB.
In the host region, the bank is in the top 10 in terms of net assets and net profit, ranking 10 and 9, respectively. For Russia:
- 518th place in terms of net assets;
- 467th place in net profit with a minus indicator of income.
YURB provides more Banking services trade enterprises, the latter being the main borrowers of the bank. Corporate clients have access to settlement and cash services, lending products, and remote services.
In the retail block segment, customers are offered credit and debit cards, lease of cells, currency transactions and transfers, Internet payment service, as well as deposits.
The bank was established in 1994 in the form of a limited liability partnership and was called the commercial bank "Azcherbas" ("Azov-Black Sea Banking Union"). In 2002, the financial institution acquired its current name - "Southern Regional Bank" - and changed its organizational and legal form to a limited liability company. In 2012, the non-banking credit organization United Clearing House was merged with the bank, operating in the form of a limited liability company. Since March 2005, the credit institution has been included in the system of compulsory insurance of deposits of individuals.
The sole shareholder of the bank is a member of the Board of Directors (since 2012) Tatyana Anisimova. It is worth noting that the information disclosed by the bank about the governing bodies does not contain any additional information about Ms. Anisimova.
At the address of "registration", in Rostov-on-Don, the bank has a single office (head office). At the same time, the credit institution has a branch, four additional offices and one operating cash desk outside the cash desk in Moscow, as well as a branch in St. Petersburg. The bank's staff, according to the latest available data, exceeded 80 people. The credit institution does not have its own network of ATMs and terminals.
The bank offers the following services and products to individuals: settlement and cash services, a line of deposits, loans, safe deposit boxes, money transfers (Zolotaya Korona), plastic cards (MasterCard), HandyBank Internet payment service.
Legal entities have access to settlement and cash services, loans, foreign exchange transactions, customs cards, remote banking services (ibank2 system), corporate cards, etc.
According to IFRS financial statements, the main borrowers of the bank are trade enterprises. However, if at the end of 2015 they accounted for more than half of the total loan portfolio, then by the end of 2016 their share was reduced to a quarter. At the same time, in 2016, the share of borrowers increased from almost zero to 20.5% of the portfolio - enterprises engaged in operations with real estate, rental and provision of services. The list of main borrowers also includes wood processing enterprises with a share of 11.6% at the end of 2016.
In the segment of settlement and cash services, the main clients of the financial institution are also trade enterprises, which accounted for 27.2% of all customer funds at the end of 2016. However, a year earlier, their share was higher (slightly more than a third), while there were no balances of client funds from construction and finance / investments, which by the end of 2016 already accounted for 10.7% and 7.6% of all client liabilities, respectively.
In the first half of 2017, the net assets of the credit institution decreased by almost a third - to 621.7 million rubles as of July 1. During this period, there was a significant decrease in the volume of client obligations in liabilities: the funds of legal entities decreased by 76.2%, and the deposits of individuals - by a third. In assets, the main "losses" fell on the portfolio of issued interbank loans (decreased by 67%) and highly liquid balances (-56.9%). At the same time, the bank had enough liquidity to increase its key balance sheet item, loans to corporate clients, by 40%.
Approximately 66% of the credit institution's liabilities as of the reporting date are equity. Own funds are fully represented by fixed capital, there are no subordinated loans in liabilities. Deposits of individuals (largely formed by deposits for terms of one to three years) account for 14.0% of liabilities; funds of enterprises and organizations, fully represented by balances on settlement accounts - 11.1%. The activity of the bank's client base has recently slightly decreased compared to previous years, the turnover on customer accounts in the first half of the year amounted to 0.5-2.1 billion rubles.
In assets, 40.8% is the loan portfolio, 35.7% is accounted for by the portfolio of interbank loans issued in the form of deposits with the Central Bank, 16.0% - highly liquid balances (funds on correspondent accounts and on hand), another 6.2% are other assets , including investments in acquired rights of claim.
The loan portfolio by the reporting date was 95% formed by loans to legal entities. Portfolio arrears are traditionally kept at a low level, although in the first half of 2017 their share increased from 1.4% to 2.5%. At the same time, the level of provisioning for such a low share of overdue loans is quite high - 12.2% as of the reporting date (12.1% at the beginning of 2017; at the beginning of 2016, the provisions were 23.6% of the portfolio with an overdue of 0, 4%). The need to form such impressive reserves is probably due to the high concentration of the loan portfolio on large borrowers. According to IFRS statements for 2015, the entire volume of loans issued (including retail) accounted for 24 borrowers (this information was not disclosed in 2016 statements). The level of property collateral traditionally covers the loan portfolio by an average of one and a half times. The bulk of the loans issued by the bank for terms ranging from one to three years.
The credit institution is a fairly active participant in the interbank loan market, since October 2016 it has been placing liquidity exclusively on deposits with the Central Bank: the placement turnover for the specified period amounted to 1.4-5.7 billion rubles.
In the first half of 2017, the bank incurred a loss of 23.3 million rubles against a net profit of 3.1 million rubles for the same period of the previous year. Net profit for 2016 amounted to 1.3 million rubles.
Board of Directors: Vladimir Kovrigin (Chairman), Tatyana Anisimova, Alexander Surinov.
Governing body: Igor Kogakov (chairman), Evgenia Shcherbakova, Elena Sobolevskaya, Natalya Borovichenko.