Bank Education declared bankrupt. Information about the course of bankruptcy proceedings
Central Bank of the Russian Federation (Bank of Russia)
Press Service
107016, Moscow, st. Neglinnaya, 12
On the revocation of the banking license from the OBRAZOVANIE credit organization and the appointment of a temporary administration
By Order No. OD-1055 of the Bank of Russia dated April 21, 2017, effective April 21, 2017, the banking license of the credit institution JOINT-STOCK COMMERCIAL INNOVATIVE BANK OBRAZOVANIE (joint-stock company) JSCIB OBRAZOVANIE (JSC) (registration No. 1521, Moscow) was revoked. Moscow). According to the reporting data, as of April 1, 2017, the credit institution ranked 118th in the banking system of the Russian Federation in terms of assets.
Problems for JSCIB OBRAZOVANIE (JSC) arose due to the use of an extremely risky business model and the poor quality of a significant part of the assets, due to lending to companies that have signs of no real economic activity. At the same time, during the supervision of the bank's activities, unfair actions of its management and owners were revealed, expressed in the withdrawal of assets with damage to the interests of creditors and depositors, as well as their "technical" transformation in order to evade the requirements of the supervisory authority on the formation of reserves for possible losses, appropriate to the risks taken. In addition, JSCIB OBRAZOVANIE (JSC) submitted unreliable financial statements to the Bank of Russia that did not reflect the actual loss of its own funds (capital). With this in mind, the actions of the heads of the credit institution are seen as signs of its deliberate bankruptcy.
In order to hide the acute shortage of liquidity, the bank artificially limited the clients' right to dispose of their funds. JSCIB "OBRAZOVANIE" (JSC) actually lost the ability to fulfill its obligations to creditors in full.
The Bank of Russia repeatedly applied supervisory response measures against a credit institution, including restrictions and a ban on attracting deposits from the public.
To date, the management and owners of JSCIB OBRAZOVANIE (JSC) have not taken effective measures to normalize its activities. Under the circumstances, the Bank of Russia, on the basis of Article 20 of the Federal Law “On Banks and Banking Activities”, fulfilled the obligation to revoke the bank's banking license.
The decision of the Bank of Russia was made in connection with the credit institution's failure to comply with federal laws governing banking activities and Bank of Russia regulations, repeated violations within one year of the requirements provided for in Article 7 (with the exception of paragraph 3 of Article 7) of the Federal Law "On Counteracting the Legalization (Laundering ) proceeds from crime and financing of terrorism”, as well as the requirements of Bank of Russia regulations issued in accordance with the said Federal Law, the establishment of facts of material unreliability of reporting data, the inability to satisfy the claims of creditors for monetary obligations, given the repeated application within one year measures provided for by the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)".
In connection with the establishment of facts of significant unreliability of the reporting data of a credit institution, the relevant materials on the basis of Part 1.2 of Article 140 of the Code of Criminal Procedure of the Russian Federation and Article 75.1 of the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)" will be sent by the Bank of Russia to the Investigative Committee of the Russian Federation to resolve the issue of initiating a criminal case on the grounds of a crime under Article 172.1 of the Criminal Code of the Russian Federation.
In accordance with Order No. OD-1056 of the Bank of Russia dated April 21, 2017, JSCIB OBRAZOVANIE (JSC) has been appointed a temporary administration 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 "On Banks and Banking Activity" of the liquidator. The powers of the credit organization's executive bodies have been suspended in accordance with federal laws.
JSCIB OBRAZOVANIE (JSC) 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 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.
In accordance with paragraph 2 of Article 189.26 and Articles 189.31, 189.32, 189.35 of the Federal Law "On Insolvency (Bankruptcy)", in connection with the revocation of the banking license from the credit institution JOINT-STOCK COMMERCIAL INNOVATIVE BANK OBRAZOVANIE (joint-stock company) (registration number of the Bank of Russia - 1521, registration date - 07/10/1991) by order of the Bank of Russia dated April 21, 2017 No. OD-1055, I order:
1. From April 21, 2017, appoint a temporary administration to manage the credit institution JOINT-STOCK COMMERCIAL INNOVATIVE BANK OBRAZOVANIE (joint-stock company) for a period of validity in accordance with the Federal Law "On Insolvency (Bankruptcy)" until the day the arbitration court issues a decision on declaring bankrupt and on the opening of bankruptcy proceedings (approval of the bankruptcy trustee) or until the date of entry into force of the decision of the arbitration court on the appointment of a liquidator.
2. Appoint the head of the provisional administration for the management of the credit institution JOINT-STOCK COMMERCIAL INNOVATIVE BANK OBRAZOVANIE (Joint-Stock Company) Tatiana Ivanovna Kislyakova - Chief Economist of the Department for Work with Liquidated Credit Institutions No. 1 of the Licensing and Liquidation of Credit Institutions Department of the State Bank of Russia for the Central Federal District .
3. Approve the composition of the temporary administration for the management of the credit organization JOINT-STOCK COMMERCIAL INNOVATIVE BANK OBRAZOVANIE (joint-stock company) in accordance with this order.
4. To suspend the powers of the executive bodies of the credit organization JOINT-STOCK COMMERCIAL INNOVATIVE BANK OBRAZOVANIE (joint-stock company) for the period of the provisional administration.
5. Establish the main tasks of the interim administration to exercise the functions provided for by the Federal Law "On Insolvency (Bankruptcy)", and the exercise of other powers determined by the Federal Law "On Insolvency (Bankruptcy)", the Federal Law "On Banks and Banking Activities" and adopted in accordance with with them by the regulations of the Bank of Russia.
6. The heads of the territorial institutions of the Bank of Russia shall, in accordance with the established procedure, bring the contents of this order to the attention of all credit institutions located in the territory under their jurisdiction.
7. The press service of the Bank of Russia (Ryklina M.V.) publish this order in the Bulletin of the Bank of Russia within ten days from the date of its adoption and give the appropriate message to the media.
8. The Department of Banking Supervision of the Bank of Russia (Orlenko A.P.) inform the correspondent banks (non-residents) of the credit organization JOINT-STOCK COMMERCIAL INNOVATIVE BANK OBRAZOVANIE (joint-stock company) in accordance with Appendix 2 to this order (sent only to the Department of Banking Supervision of the Bank of Russia) on the appointment of a temporary administration to manage the credit institution JOINT-STOCK COMMERCIAL INNOVATIVE BANK OBRAZOVANIE (joint-stock company).
Composition
provisional administration for the management of a credit institution
Head of the Interim Administration
Kislyakova Tatyana Ivanovna - Chief Economist of the Department for Work with Liquidated Credit Institutions No. 1 of the Department for Licensing Activities and Liquidation of Credit Institutions of the Main Directorate of the Bank of Russia for the Central Federal District
Deputy Head of the Interim Administration
Malashkin Alexander Mikhailovich - head of the sector of summary and statistical work of the summary and economic department of the Ryazan Branch
Members of the Interim Administration:
Babaeva Maria Rafikovna - Leading Economist of the Department for Work with Liquidated Credit Institutions No. 1 of the Department for Licensing Activities and Liquidation of Credit Institutions of the Main Directorate of the Bank of Russia for the Central Federal District
Bochkova Svetlana Vladimirovna - Chief Economist of the Sector for Interaction with Bank of Russia Subdivisions and Credit Institutions of the Reporting Acceptance and Processing Department of Branch 3 Moscow
Rybakova Natalia Vladimirovna - Chief Legal Counsel of the Sector of Legal Support of Contact Supervision of the Department of Legal Support of Banking Supervision 1 of the Legal Department of the Main Directorate of the Bank of Russia for the Central Federal District
Titarenko Roman Viktorovich - Leading Expert of the Department for Licensing Credit Institutions of the Directorate for Licensing Activities and Liquidation of Credit Institutions of the Main Directorate of the Bank of Russia for the Central Federal District
Lukyanov Alexey Alexandrovich - Chief Economist of the Banking Supervision Department of the Ryazan Branch
Bobkova Olga Leonidovna - Leading Economist of the Operations Department of the Vladimir Branch
Kuznetsova Olga Petrovna - Leading Economist of the Department for Work with Liquidated Credit Institutions No. 2 of the Department for Licensing Activities and Liquidation of Credit Institutions of the Main Directorate of the Bank of Russia for the Central Federal District
Shabalina Maria Anatolyevna - leading expert of the administrative and economic department of the RCC Korolev
Yudina Serafima Igorevna - leading expert of the administrative and economic department of the RCC Korolev
Sazhina Vera Alexandrovna - Senior Cashier of the Cash Operations Department of the RCC Korolev
Murushkina Natalya Alexandrovna - Chief Economist of the Information and Analytical Sector of the Banking Supervision Department of the Tula Branch
Solovieva Olga Nikolaevna - Leading Economist of the Banking Supervision Department of the Tula Branch
Volkov Valery Igorevich - chief engineer of the engineering support sector of the department of transport, economic maintenance and logistics of the Tula Branch
Resh Oksana Valerievna - Leading Economist of the Operations Department of the Tula Branch
Kondyakova Ekaterina Vladimirovna - economist of the 2nd category of the department of financial monitoring of banking, financial markets and currency control of the Tula Branch
Popov Ivan Gennadievich - leading engineer of the operation sector of the UOS of the informatization department of the Lipetsk Branch
Sutugina Natalya Borisovna - Economist of the 2nd category of the Payment Systems and Settlements Department of the Tver Branch
Shestakov Maxim Leonidovich - Chief Economist of the Operations Department of the Vladimir Branch
Novikov Vladimir Dmitrievich - Leading Legal Counsel of the Legal Department of the Kaluga Branch
Zubova Tatyana Mikhailovna - Chief Economist of the Sector of Consolidated and Statistical Work of the Consolidated Economic Department of the Kaluga Branch
Saltykov Dmitry Nikolaevich - Leading Economist of the Department of Financial Monitoring of Banking Activities, Financial Markets and Currency Control of the Smolensk Branch
Kutsev Pavel Leonidovich - engineer of the 1st category of the sector of computer and telephone networks of the informatization department of the Smolensk Branch
Gryaznov Vadim Anatolyevich - Chief Economist of the Sector of Consolidated and Statistical Work of the Consolidated Economic Department of the Yaroslavl Branch
Bulanova Tatyana Sergeevna - Economist of the 1st category of the department of financial monitoring of banking, financial markets and currency control Yaroslavl Branch
Medvedev Vasily Viktorovich - Advisor to the First Deputy Chairman of the Bank of Russia
Medvedev Evgeny Viktorovich - Project Manager of the Strategic Projects Implementation Department of the Financial Markets Development Department
Karnaukhov Artur Evgenievich - Economist of the 1st category of the Department for Liquidation and Restructuring of Credit Institutions of the Department for Licensing the Activities of Credit Institutions of the North-Western State Department of the Bank of Russia
Tovsty Vitaly Nikolaevich - expert of the 1st category of the information security department of the Cash Center of the North-West State Department of the Bank of Russia
Danilina Inna Viktorovna - Chief Legal Counsel of the Legal Department of the Samara Branch
Pshenitsyn Oleg Anatolyevich - Chief Economist of the Sector for Regulation and Monitoring of the Payment System of the Bank of Russia, Department of Payment Systems and Settlements, Samara Branch
Sazanova Elena Ivanovna - economist of the 1st category of the economic department of the RCC of Togliatti
Aleshina Elena Vladimirovna - economist of the 1st category of the economic department of the RCC of Togliatti
Yasenev Aleksey Vyacheslavovich - Leading Economist of the Department for Licensing the Activities of Credit Institutions No. 1 of the Department for Licensing the Activities of Credit Institutions of the Volga-Vyatka State Department of the Bank of Russia
Ganyukhina Yulia Sergeevna - Economist of the 1st category of the sector of maintaining the Book of State Registration of Credit Institutions of the Department for Licensing the Activities of Credit Institutions of the Volga-Vyatka State Department of the Bank of Russia
Soboleva Elena Nikolaevna - economist of the 1st category of the operational department of the Branch-NB of the Udmurt Republic
Subbotin Dmitry Alexandrovich - Leading Economist of the Banking Supervision Sector of the Banking Supervision Department of the Perm Branch
Khramtsova Svetlana Yuryevna - Leading Economist of the Sector for Analysis of Cash Circulation and Transportation of Values of the Department of Cash Circulation and Cash Operations of the Perm Branch
Kotelnikov Evgeny Alexandrovich - engineer of the 1st category of the key systems management sector of the security and information protection department of the Perm Branch
Mansurov Adil Naifovich - Leading Economist of the Financial Department of the Branch-NB of the Republic of Bashkortostan
Sobol Elena Gennadievna - Chief Economist of the Department for Licensing the Activities of Credit Institutions No. 1 of the Department for Licensing the Activities of Credit Institutions of the Siberian State Bank of Russia
Rybina Elena Yakovlevna - Leading Economist of the Reporting Department of Credit Institutions of the Banking Supervision Department of the Siberian State Administration of the Bank of Russia
Pomazkova Tamara Alexandrovna - Leading Economist of the Organizational Sector of the Consolidated Economic Department of the Siberian State Administration of the Bank of Russia
Kazhikina Svetlana Gennadievna - Leading Economist of the Department of Banking Supervision of the Branch-NB of the Republic of Altai
Chernikova Tatyana Igorevna - Leading Legal Counsel of the Legal Department of the Branch-NB of the Republic of Altai
Valegzhanina Elvira Georgievna - Leading Economist of the Sector for Control and Analysis of the Reporting of Credit Institutions and Branches of the Banking Supervision Department of the Kemerovo Branch
Agafonova Irina Vitalievna - Economist of the 1st category of the Department for the Analysis of the Activities of Non-Financial Enterprises of the Consolidated Economic Department of the Southern Main Directorate of the Bank of Russia
Simirnikova Ekaterina Sergeevna - Chief Economist of the Department of Liquidation of Credit Institutions and Registration of Securities of the Department for Licensing the Activities of Credit Institutions of the Southern Main Directorate of the Bank of Russia
Savchenko Anna Vasilievna - Leading Legal Counsel of the Department for Legal Support of the Activities of Credit Institutions of the Legal Department of the Southern Main Directorate of the Bank of Russia
Lukisha Maxim Anatolyevich - Chief Expert of the Sector for Interaction with the Supervisory Block of the Security and Information Protection Department of the Southern Main Directorate of the Bank of Russia
Antonova Yulia Petrovna - Leading Economist of the Economic Work Sector of the RCC Novorossiysk
Pavlenko Larisa Ashotovna - chief economist of the economic apparatus of the RCC Sochi
Karayanidi Irina Vladimirovna - Chief Economist of the Economic Apparatus of the RCC Anapa
Kolesnik Alexander Vladimirovich - leading engineer of the administrative apparatus of the RCC Anapa
Safonova Olga Yuryevna - Leading Economist of the Financial Monitoring Sector of the Department of Financial Monitoring of Banking, Financial Markets and Currency Control of the Rostov-on-Don Branch
Shevchenko Inna Gennadievna - Chief Legal Counsel of the Legal Department of the Branch of Rostov-on-Don
Bubnov Evgeny Dmitrievich - Head of the Taganrog RCC
Goryainova Natalya Alekseevna - head of the RCC Volgodonsk
Chekalina Olga Alekseevna - chief inspector of the department of inspections and work in temporary administrations of banks of the Department of insurance of bank deposits of the state corporation "Deposit Insurance Agency" (as agreed)
Zavoruev Andrey Andreevich - Leading Inspector of the Department of Inspections and Work in Interim Administrations of Banks of the Department of Bank Deposit Insurance of the State Corporation "Deposit Insurance Agency" (as agreed)
Doronin Stanislav Petrovich - chief specialist of the department for organizing compensation payments on deposits of the Department for insurance of bank deposits of the state corporation "Deposit Insurance Agency" (as agreed)
Knyazev Alexey Alexandrovich - Leading Expert of the Department for Identification of Dubious Transactions of the Expert and Analytical Department of the State Corporation "Deposit Insurance Agency" (as agreed)
Borisenko Lina Alexandrovna - Chief Expert of the Department for Identification of Doubtful Transactions of the Expert and Analytical Department of the State Corporation "Deposit Insurance Agency" (as agreed)
Aksenov Yury Nikolayevich - Chief Specialist of the Department for Support of Liquidation Procedures and Restructuring of Financial Organizations of the Department of Information Technologies of the State Corporation "Deposit Insurance Agency" (as agreed)
Document overview
From April 21, 2017, a temporary administration for the management of JSCIB "Obrazovanie" is appointed for a period of validity until the day the arbitration court issues a decision on declaring bankrupt and on opening bankruptcy proceedings or until the day the decision on the appointment of a liquidator enters into force.
The decision was made in connection with the revocation of the banking license from this credit institution.
The composition of the interim administration has been approved. For the period of its activity, the powers of the executive bodies of the bank were suspended.
Date: 07/01/2017
By the decision of the Arbitration Court of Moscow dated June 7, 2017 (the operative part was announced on June 1, 2017) in case No. A40-79815 / 17-38-53B JOINT-STOCK COMMERCIAL INNOVATIVE BANK OBRAZOVANIE (joint-stock company) (JSCIB OBRAZOVANIE) (JSC)) (hereinafter referred to as the Bank, PSRN 1027739265355, TIN 7736017052, registration address: 119296, Moscow, Leninsky Prospekt, 63/2, building 1), was declared insolvent (bankrupt) and opened against him competitive proceedings for a period of one year. The functions of the bankruptcy trustee are assigned to the state corporation "Deposit Insurance Agency" (hereinafter referred to as the Agency).
Address for sending mail and creditors' claims: 127055, Moscow, st. Lesnaya, 59, building 2.
The court session to consider the report of the bankruptcy trustee is scheduled for May 29, 2018.
In accordance with the requirements of Federal Law No. 127-FZ dated October 26, 2002 “On Insolvency (Bankruptcy)”, the Agency publishes information on the course of bankruptcy proceedings against the Bank.
Due to the fact that the electronic database of the Bank was not transferred by its former management to the Provisional Administration for Bank Management appointed by the Bank of Russia (hereinafter referred to as the provisional administration), the bankruptcy trustee publishes the Bank's balance sheet as of April 15, 2017 based on the last sent to Bank of Russia reporting.
According to the accounting data, previously restored as of April 21, 2017, the Bank's assets, taking into account the exclusion of the amount of the created reserve for possible losses and depreciation of fixed assets, amounted to 4,000,779 thousand rubles, including: cash desk, on a correspondent account with the Bank of Russia and on accounts with credit institutions - 299,284 thousand rubles, net loan debt 2,978,135 thousand rubles, fixed assets, intangible assets and inventories 191,628 thousand rubles, other assets RUB 531,732 thousand
Currently, the bankruptcy trustee is working to establish the location of the debtors, their actual financial condition and the availability of real security under loan agreements.
The bankruptcy trustee has ensured the safety of the property and documentation of the Bank transferred by the temporary administration. An inventory of the Bank's property is currently being carried out, based on the results of which, if necessary, appropriate clarifications will be made to the Bank's balance sheet.
The Bank's liabilities on the balance sheet amount to 21,460,877 thousand rubles, including on the accounts of individuals and individual entrepreneurs - 19,655,358 thousand rubles.
In order to form a register of creditors' claims (closing date - August 16, 2017), in accordance with which settlements will be carried out during bankruptcy proceedings, as of June 29, 2017, claims of 3,088 applicants in the amount of 2,122,447 thousand . rub., which are currently under consideration.
According to a preliminary assessment of the bankruptcy trustee, taking into account the need to pay current expenses for the bankruptcy proceedings, there are currently no free funds that can be used to satisfy creditors' claims.
In general, the amount of further satisfaction of the claims of the Bank's creditors will depend on the receipt of funds in the bankruptcy estate from the sale of the Bank's property and the recovery of assets, the responsibility for the quality of which is borne by the former owners and management of the Bank.