Plus Bank continues to work as usual. "Plus Bank" has gone to the "minus"! Plus whether the bank will take away the license
09/24/19 applied for a certificate for a specific date for the past period, under a general power of attorney. Before leaving, I called the hotline three times and asked if there was a need to order in advance. All three times the answer is the same, yes, the main thing is to be in time before 15:00 Moscow time.
Arriving at the office at 14:30, the impression was that I got to the wrong organization, because the employees on the line assured that without any problems an extract and any certificate, and at the DO they generally said that over the past period, it was impossible to get a certificate of the account status!
After I asked for the application form, the employee (without name and surname) deigned to contact the department and, having specified it, sent me to the cashier for payment. In fact, I paid today and now, but I do not know when and will I receive the certificate at all? Violation of the consumer law! Further more, you need an extract indicating the information about the payer. Answer: we do not issue such documents! Fortunately, this document has already been sent to the court earlier. Found, printed, even numbered, but the documents in this "Bank" are not certified. That is, the employees of the Bank do not certify their signature! Surprisingly, even the bik of the bank is not placed according to the regulations of this "Bank" or not of the bank. And the head of the department seemed to have come from a nearby pharmacy. She is violet what problems the client has, instead of helping at least her employee to solve the issue, she is on her own wave. I didn't even introduce myself.
I left having lost time, money, nerves, but in the hope that today a certificate will be made, because there is an appeal about the urgency and need for this certificate, especially since it has already been paid. And the employee promised to monitor the situation and call. Unfortunately my hopes were not justified. As from that proverb: They wait three years for the promised, and on the fourth they will forget! And yet there was hope, but having called the hotline twice, I heard that the certificates are being prepared for 10 days! What is it like? A week ago, on this line, they repeated to me that immediately, day after day! And after payment in 10 days? In half an hour, they could even manually print a stack of such certificates!
DEAR! The field of Information Technology is widely developed. There are no such problems in normal banks! Clients bring income to the bank, but here the unfortunate certificate is difficult to print. I all understand that it is made in Omsk, but it’s not on deer, in the end, the mail is delivered! Send e-mail, what is the difficulty then? And when you issue it to a DO, is it really impossible to assure it? THOUGH to be surprised. Employees don't even have badges!
Portal administrator 02.10.2019 18:56
11/10/2019 The score was accepted.
Plus Bank 09/27/2019 10:05
Dear Customer!
We apologize for any inconvenience caused.
When contacting the Bank's office, you were promptly provided with a certificate for the current period signed and stamped by the head of the office, as well as an account statement (stitched, numbered and certified by the personal stamp of the Bank's employee). Issuance of the required certificate for the previous period at the time of the application was impossible, since it is prepared by the employees of the Bank's credit department (not in this office) on the basis of the client's application.
To date, the original of this certificate has been sent to the postal address you indicated. The Bank's employees have made every effort to resolve this situation, we hope for your understanding.
Best regards, PJSC Plus Bank.
During the month, the bank lost 113% of its profits. Could she have been withdrawn from the bank before its possible closure?
Plus Bank lost 113% of its profits over the past month, and 493% since February last year. This was announced by the correspondent. The bank is 100% owned by the Kazakh Tsesnabank. And, probably, it will soon leave the Russian market. What will happen to his clients?
Until 2014, the head office of Plus Bank was located in Omsk. In Moscow now. In addition to the head office, the network has two branches in Tyumen and Omsk, 13 additional offices, three credit and cash offices and four operational offices. Its own ATM network includes about 70 devices, the number of employees is more than 800 people. Apparently, very soon they may be unemployed.
The main owner of the bank is Adilbek Dzhaksybekov, who until recently held the post of head of the presidential administration (AP) of Kazakhstan. After resigning from this post, Dzhaksybekov in September 2018 was elected chairman of the board of directors of the Tsesna Corporation JSC, which he created in 1995.
Probably, leaving the civil service was perceived by Dzhaksybekov's ill-wishers as a signal for an "attack." There was information that Tsesnabank could merge with Narodny Bank. An indirect confirmation of this was that Dauren Zhaksybek, the son of the ex-head of the Presidential Administration, resigned as chairman of the board of directors of Tsesnabank. Perhaps, now there is a cleanup of all the people whom Dzhaksybekov placed in the state administration bodies.
Earlier "Tsesnabank" experienced a raid of depositors. To save him, it urgently required $ 400 million of liquidity from the state, which, as a shareholder, planned to buy out bad debts from the bank. Although everything may end up with Dzhasybekov simply having his bank taken away. In this case, the fate of Plus Bank clients is rather vague. Maybe that's why the bank lost its profit during the year?
To date, since February, the bank has lost 493% of its profit, the amount of fixed capital during this time has decreased by 26%, the volume of funds of enterprises and organizations - by 15%. If the bank ranks 125th in the Russian banking market in terms of assets, then only 464th in terms of profit.
Over the year, the bank lost its assets in almost all positions.
Only one of the bank's capital adequacy ratios K4 corresponds to the recommended value, the rest do not, which indicates that the bank needs additional capitalization.
Problems with capital adequacy are also visible when evaluating the bank using the Camel method. Especially alarming is the C4 indicator - protection of household deposits, which exceeds the norm by 4 (!) Times. Perhaps depositors need to hurry to withdraw their money from the bank. Under the guise of a change of management in the parent Tsesnabank, funds from the Russian subsidiary of Plus Bank may be withdrawn.
Inadequate methods of bank employees?
Last May, Plus Bank got into a huge scandal. The client decided to take out a loan for a Lada Largus car. As a result, after the conclusion of the contract, it turned out that the contract could have been substituted, since the amount that the client allegedly had to pay increased by 9. thousand rubles. per month up to 23 thousand rubles. The client certainly did not expect such a trick from Plus Bank, so his refund will be video posted on the Internet can be understood. In response to the client's just claims, bank employees threatened to rape his 9-year-old daughter. They didn't confuse the time with the 90s?
The "divorce" scheme can be very simple. There is a certain third legal entity that allegedly provides roadside assistance. The amount for these services is pledged on a car loan. The bank nods to the salon, the salon to the bank. And the third party is engaged in knocking out money. And, probably, he does not shun the most harsh methods, up to open threats to the bank's clients. It is enough to read sometimes not quite censorship reviews under the video to understand that the majority of those who watched the video are shocked by the Plus Bank! It is clear that no one would like to be in a similar situation - you lose money, and also threaten family members.
Apparently the situation with the fact that people signed an agreement at one percent, but actually received another was far from unique. On the site where the petitions are posted, it was posted and addressed to the Central Bank with a request to revoke the license from Plus Bank.
Rumors about the negative work of "Plus Bank" are flying ahead of him. The story is about an elderly woman who, due to threats, found herself in an ambulance with a seizure. About fake accounts - Ali Magomedov and Vasha Katsoev, with the help of which the collectors allegedly threatened clients and their loved ones, threw mud at debtors. If this is true, then the bank's methods of operation may be called inhuman. And it is strange that the law enforcement agencies did not react to them. Some "collectors" clearly would not hurt to cool their ardor in places not so distant.
The fish rots from the head?
Boorish attitude in clients in any business usually has two reasons. Either it was created by former bandits or high-ranking officials. For some reason, both those and others are sure of their impunity. And it is apparently "contagious" as it is transmitted to employees.
Adilbek Dzhasybekov was called the "shadow of the president" of Kazakhstan, Nursultan Nazarbayev. In 2017, Dzhasybekov turned 63, the retirement age in Kazakhstan. However, the contract with the official was extended for another 5 years until 2022. And suddenly, in 2018, he resigns.
Rumor has it that the reason for this is the daughter of Nursultan Nazarbayev Dariga, who promoted her man, Aset Issekeshev, to the post of head of the Presidential Administration. According to rumors, financial support was provided by Dinmukhamet Idrisov, a partner of Dariga's husband Kairat Sharipbayev, in whose radius of interest were small players in the banking sector. The husband of the president's daughter decided to start a big game?
Adilbek Dzhasybekov "left" from the political arena?
Over the past two decades, Adilbek Dzhaksybekov has been a confidant of the president, occupying various positions in the power system. In 1995, he was elected to the Senate, twice was the akim of Astana (in 1997-2003 and from 2014 to 2016). He was the Minister of Defense for five years - from 2009 to 2014. In 2003-2004, he headed the Ministry of Industry and trade, and from 2008 to 2009 he was the ambassador to Russia. As a confidant of Nazarbayev, Dzhasybekov could take part in rather "delicate" operations.
For example, he is allegedly believed to be the author of the script for the arrest of Nursultan Nazarbayev's grandson Aisultan, who was placed in a private European prison. The publication "MZK1" wrote about this. The president’s grandson had previously called Adilbek Dzhasybekov and several other oligarchs "enemies of the state." And this, Aisultan, apparently, could not be forgiven.
At first, they tried to plant drugs on him, and then, when it didn't work, they simply kidnapped him and put him in jail. Can he repeat the fate of his father Rakhat Aliyev, who was killed in 2015 in an Austrian prison? Rumor has it that by order of persons from the inner circle of the President of Kazakhstan. Was Adilbek Dzhasymbekov related to that story?
Plus Bank lost 113% of its profit over the last month, and 493% since February last year. This was reported by the correspondent of The Moscow Post. The bank is 100% owned by the Kazakh Tsesnabank. And, probably, it will soon leave the Russian market. What will happen to his clients?
Until 2014, the head office of Plus Bank was located in Omsk. In Moscow now. In addition to the head office, the network has two branches in Tyumen and Omsk, 13 additional offices, three credit and cash offices and four operational offices. Its own ATM network includes about 70 devices, the number of employees is more than 800 people. Apparently, very soon they may be unemployed.
The main owner of the bank is Adilbek Dzhaksybekov, who until recently held the post of head of the presidential administration (AP) of Kazakhstan. After resigning from this post, Dzhaksybekov in September 2018 was elected chairman of the board of directors of Tsesna Corporation JSC, which he created in 1995.
Probably, leaving the civil service was perceived by Dzhaksybekov's ill-wishers as a signal for an "attack." There was information that Tsesnabank could merge with Narodny Bank. An indirect confirmation of this was that Dauren Zhaksybek, the son of the ex-head of the Presidential Administration, resigned as chairman of the board of directors of Tsesnabank. Perhaps, now there is a cleanup of all the people whom Dzhaksybekov placed in the state administration bodies.
Earlier, "Tsesnabank" experienced a raid of depositors. To save him, it urgently required $ 400 million of liquidity from the state, which, as a shareholder, planned to buy out bad debts from the bank. Although everything may end up with Dzhasybekov simply having his bank taken away. In this case, the fate of Plus Bank clients is rather vague. Maybe that's why the bank lost its profit during the year?
To date, since February, the bank has lost 493% of its profit, the amount of fixed capital during this time has decreased by 26%, the volume of funds of enterprises and organizations - by 15%. If the bank ranks 125th in the Russian banking market in terms of assets, then only 464th in terms of profit.
Over the year, the bank lost its assets in almost all positions.
Only one of the bank's capital adequacy ratios K4 corresponds to the recommended value, the rest do not, which indicates that the bank needs additional capitalization.
Problems with capital adequacy are also visible when evaluating the bank using the Camel method. Especially alarming is the C4 indicator - protection of household deposits, which exceeds the norm by 4 (!) Times. Perhaps depositors need to hurry to withdraw their money from the bank. Under the guise of a change in management at the parent Tsesnabank, funds from the Russian subsidiary of Plus Bank may be withdrawn.
Inadequate methods of bank employees?
In May last year, Plus Bank got into a huge scandal. The client decided to take out a loan for a Lada Largus car. As a result, after the conclusion of the contract, it turned out that the contract could have been substituted, since the amount that the client allegedly had to pay increased by 9. thousand rubles. per month up to 23 thousand rubles. The client certainly did not expect such a trick from Plus Bank, so you can understand its reimbursement on the Internet. In response to the client's just claims, bank employees threatened to rape his 9-year-old daughter. They didn't confuse the time with the 90s?
The "divorce" scheme can be very simple. There is a certain third legal entity that allegedly provides roadside assistance. The amount for these services is pledged on a car loan. The bank nods to the salon, the salon to the bank. And the third party is engaged in knocking out money. And, probably, he does not shun the most harsh methods, up to open threats to the bank's clients. It is enough to read sometimes not quite censorship reviews under the video to understand that the majority of those who watched the video are shocked by the Plus Bank! It is clear that no one would like to be in a similar situation - you lose money, and also threaten family members.
Apparently the situation with the fact that people signed an agreement at one percent, but actually received another was far from unique. On, where the petitions are placed, was placed and addressed to the Central Bank with a request to revoke the license from "Plus Bank".
Rumors about the negative work of "Plus Bank" fly ahead of him. The story is about an elderly woman who, due to threats, found herself in an ambulance with a seizure. About fake accounts - Ali Magomedov and Vasha Katsoev, with the help of which the collectors allegedly threatened clients and their loved ones, threw mud at debtors. If this is true, then the bank's methods of operation may be called inhuman. And it is strange that the law enforcement agencies did not react to them. Some "collectors" clearly would not hurt to cool their ardor in places not so distant.
The fish rots from the head?
Boorish attitude in clients in any business usually has two reasons. Either it was created by former bandits or high-ranking officials. For some reason, both those and others are sure of their impunity. And it is apparently "contagious" as it is transmitted to employees.
Adilbek Dzhasybekov was called the "shadow of the president" of Kazakhstan, Nursultan Nazarbayev. In 2017, Dzhasybekov turned 63, the retirement age in Kazakhstan. However, the contract with the official was extended for another 5 years until 2022. And suddenly, in 2018, he resigns.
Rumor has it that the reason for this is the daughter of Nursultan Nazarbayev Dariga, who promoted her man, Aset Issekeshev, to the post of head of the Presidential Administration. According to rumors, financial support was provided by Dinmukhamet Idrisov, a partner of Dariga's husband Kairat Sharipbayev, in whose radius of interest were small players in the banking sector. The husband of the president's daughter decided to start a big game?
Adilbek Dzhasybekov "left" from the political arena?
Over the past two decades, Adilbek Dzhaksybekov has been a confidant of the president, occupying various positions in the power system. In 1995, he was elected to the Senate, twice was the akim of Astana (in 1997-2003 and from 2014 to 2016). He was the Minister of Defense for five years - from 2009 to 2014. In 2003-2004, he headed the Ministry of Industry and trade, and from 2008 to 2009 he was the ambassador to Russia. As a confidant of Nazarbayev, Dzhasybekov could take part in rather “delicate” operations. "
For example, he is allegedly believed to be the author of the script for the arrest of Nursultan Nazarbayev's grandson Aisultan, who was placed in a private European prison. The edition wrote about this. The president’s grandson had previously called Adilbek Dzhasybekov and several other oligarchs “enemies of the state”. And this, Aisultan, apparently, could not be forgiven.
At first, they tried to plant drugs on him, and then, when it didn't work, they simply kidnapped him and put him in jail. Can he repeat the fate of his father Rakhat Aliyev, who was killed in 2015 in an Austrian prison? Rumor has it that by order of persons from the inner circle of the President of Kazakhstan. Was Adilbek Dzhasymbekov related to that story?
Here is what, according to information, Kazakh opposition leader Ainur Kurmanov says about his role in the story with the president's grandson: Utemuratov, Imangali Tasmagambetov and other oligarchs against Dariga Nazarbayeva. After all, they turn out to be uninterested in her accession as the second president and regent with the young sons of Elbasy (Nazarbayev) from the third marriage. "
Adilbek Dzhaksybekov could become a "victim" of Dariga Nazarbayeva's revenge. That is why there is an assumption that he can lose his Tsesnabank, and therefore Plus Bank. For some reason, the banker is not at all sorry. You can always end up in a hole that you dig for another.
Due to the unstable economic situation in the country, the Central Bank of Russia regularly takes measures to improve the domestic banking sector. For this purpose, weaker financial structures are liquidated or their license is revoked. About what circumstances may serve as a reason for revoking a permit for banking activities, what to do if the organization goes bankrupt, and the client has a loan agreement with it, which banks entered the risk zone in 2018, and what will happen to deposits in the event of bankruptcy of the company - you will find the answers in the article.
Reasons for revoking a license from a bank
The revocation of the bank's license occurs only if there are sufficient good reasons for this. The Central Bank identified the following reasons for depriving the company of a certificate for activity:
- In case there was a violation of the legislation of the Russian Federation.
- If the requirements of the Central Bank of Russia are not met.
- If illegal actions such as fraud, aiding terrorist structures, money laundering, and so on have been identified.
- Incorrect reporting, entering false information into it.
- If the authorized capital of the organization has dropped below the mark set by the Central Bank.
- Violation of contractual obligations to clients (non-payment of interest on deposits, withholding from the borrower a larger percentage than that specified in the agreement).
- Investment of own capital funds in questionable enterprises.
- Revealing in the course of the audit one of the above violations may serve as a reason for the liquidation of the license of this company.
It should be understood that the Central Bank of Russia does not revoke a bank's license overnight. This is a rather lengthy procedure, preceded by a number of warnings. As a rule, the management of a financial institution receives a formal notification with the requirement to review certain aspects of its activities. If the question is in the commission of dubious transactions, then a warning is issued. The Central Bank also sets a deadline for eliminating violations. And only if the bank does not correct the situation, its license is revoked.
In order not to get into an unpleasant situation and not invest money in an unreliable bank, you should first familiarize yourself with the latest news about its activities, study the line of proposals. Too low interest rates on loans, high on deposits (against the background of proposals from large financial institutions of the country) should be alarming. You should also not trust lenders who have not offered new products for a long time in order to attract customers, have significantly reduced the number of branches in the country or have disabled the official website.
Blacklist of banks: where does it come from, who is on it?
The black list of financial institutions is a special list of structures that have come under special control and close supervision of the Central Bank of Russia.
This means that the position of these companies in the banking market is very unstable, and they may lose their license in the near future. The blacklist currently includes:
- Agrosoyuz;
- BCC-Moscow;
- Asia-Pacific ";
- Voronezh;
- MBA-Moscow;
- Tula Settlement Center;
- GreenComBank;
- Interprombank;
- Bank "European Standard";
- Creditinvest;
- JSCB "Krylovsky";
- PJSC RAKB "Moscow";
- Nefteprombank;
- PromTransBank;
- Russian Trade Bank;
- "Satellite";
- Taganrogbank;
- Tender bank;
- Uraltransbank "and other financial companies.
The inclusion of an organization in this list does not mean 100% revocation of the license. However, this is a serious signal for the bank to improve its financial affairs and eliminate shortcomings.
The position of the bank can change at any time, it is only necessary to fulfill the requirements of the Central Bank
What should depositors do if the bank's license has been revoked?
If the bank was deprived of its license, and you have placed a monetary deposit on its account, do not panic. You need to act as follows:
- First of all, the depositor must contact the Deposit Insurance Agency (DIA). It is it who is engaged in the payment of compensation in the event of the bankruptcy of the company or the deprivation of its certificate.
- Next, you need to write a statement of a certain form, addressing it to the DIA.
- Through publications in the media, you need to track information about the procedure for paying compensation for deposits. This information can also be found on the official Internet resource of the insurance company.
- Get your hands on compensation payments directly to the insurers' office or at the responsible bank.
- As a rule, insurance payments begin to be made 14 days after the organization's bankruptcy is declared.
What will happen to the deposits, how much can you get from the DIA?
In case of bankruptcy of a financial company or revocation of its license to operate, deposits of individuals are returned in accordance with the deposit insurance program.
The amount of compensation payments may not exceed 1,400,000 rubles.
If the user's deposit exceeds this amount, then the process of returning the remaining funds is carried out as follows:
- First, the agent companies are determined who will be responsible for returning the money to the bankrupt structure.
- Further, the banking organization is declared bankrupt by a court decision.
- The bank's property goes under the hammer, and the proceeds from its sale are used to pay off debts to depositors.
- The entire process of returning deposits is under the control of the insurance agency DIA.
How to pay on a loan if the bank's license was revoked?
When the license of the bank, which was engaged in lending to the population, is revoked, the management of its financial affairs is transferred to third parties. The user can find out information about who the liabilities of the bankrupt structure were transferred to from official sources. Such sources are the website of the Central Bank of the Russian Federation or the Deposit Insurance Agency ... In addition, companies often notify their customers by email or SMS. For example, on the DIA website, you can find out the details of the agent bank, to which from now on the borrower must make payments on the loan.
Important! In case of bankruptcy of a bank and the transfer of its affairs to another organization, the loan agreement (mortgage, consumer, car loan, etc.) is not subject to revision. The borrower pays the debt according to the original payment schedule. If an individual is not satisfied with the established procedure for repaying a loan debt, he can refinance the loan in another bank (it is important that the agreement contains a clause allowing early repayment of the loan).
The Kazakhstani Tsesnabank, which owns the Russian Plus Bank, has a new owner. Does the Central Bank of Elvira Nabiullina turn a blind eye to the chaos at the Plus Bank?
The Kazakhstani Tsesnabank, which owns the Russian Plus Bank, has changed its owner. First Heartland Securities JSC acquired a credit organization from the financial holding Tsesna, the ultimate beneficiary of which is the ex-head of the presidential administration of Kazakhstan, Adilbek Dzhaksybekov. Shortly before the announcement of the deal, assets worth 1.3 billion rubles were withdrawn from Plus Bank, and last week the credit institution began to aggressively attract deposits. Plus, the bank is known for its boorish, to say the least, attitude towards customers. Does the Central Bank cover all this chaos? The correspondent of "" understood the situation.
Dzhaksybekov is no longer a banker
As predicted by The Moscow Post in January this year, the odious Kazakhstani politician-pensioner, ex-head of the presidential administration, Adilbek Dzhaksybekov, lost control over Tsesnabank, which owns the Russian Plus Bank. On February 6, First Heartland Securities JSC (investment division of the financial holding company of the group of autonomous educational organizations “Nazarbayev University”, “Nazarbayev Intellectual Schools” and “Nazarbayev Fund”) acquired 99.5% of the common shares of the flaming Tsesnabank. The amount of the transaction was not disclosed, it was approved by the government and the National Bank of Kazakhstan.
After fulfilling the preliminary conditions of the agreement, the new owner plans to capitalize on Tsesnabank by 70 billion tenge ($ 184.9 million). The main shareholder of Tsesnabank (70.79%) was the financial holding Tsesna, the ultimate beneficiary of which is the former Minister of Industry and Trade, Defense, the former head of the presidential administration, and now the retired politician Adilbek Dzhaksybekov. Tsesnabank ranks 4th in the rating of banks in Kazakhstan according to the local Forbes, but in recent months things have been going on, to put it mildly, not very well: last summer, a credit institution faced an outflow of deposits.
Lawlessness from Plus Bank?
On the other hand, the Russian Plus Bank, owned by Tsesnabank, has been aggressively attracting deposits in recent weeks. At the same time, due to problems in the parent structure, the credit institution, according to experts, periodically grossly violates the standards of the Bank of Russia. And now the Plus Bank "turned on the vacuum cleaner of deposits" with the full connivance of the Central Bank. The methods of communication between the bank and its clients are more reminiscent of the gangster “showdowns” of the 90s, from which Russians have long lost the habit.
For example, in the summer, the frightened borrowers of Plus Bank talked about non-standard schemes for "knocking out" debts. Allegedly in the interests of the credit institution, fake accounts were created in social networks and instant messengers, from which threats were received to clients and their families. The debtors were watered with mud as they wanted. On the Internet, you can find a lot of examples of "divorce of clients for money" - it seems that is what it is called, also a "trick" from the 90s.
For example, the article published in May last year made a lot of noise. Youtube video “Employees of Plus Bank threaten to rape the 9-year-old daughter of an 18+ client” (hereinafter, spelling and punctuation are preserved). “You ask why Plus Bank? and this is because they issue a loan for a car and additional services, without which it is impossible to get a loan, besides, they indicate one percent, but in fact they issue a loan for another. If the client does not pay, another company is used, which knocks out debts as in the 90s, "- says the description to the entry.
Before the threats, the amount of the loan for the Lada Largus car grew dubiously almost fourfold, and the client, of course, was unable to pay. Then monstrous threats were used. At the same time, according to the victims, the bank predictably disowns "thugs", but at the same time they themselves, threatening, mention the name of the credit institution, know the history of clients. Moreover, according to rumors, the "brothers" freely enter the "Plus Bank" meeting room and communicate with clients.
The video with threats of rape gained more than 130 thousand views, but what they write in the comments: “The people of Plus Bank are actually muddy! Once I dealt with him, but at the last moment God took away even though he lost 100k ... go around this bank sideways !!! " (user Anton Fateev), “I hope this Plus bank is losing licenses” (Oleg Medvedev) and so on. Licenses are unlikely to be deprived. Apparently, the head of the Central Bank Elvira Nabiullina is satisfied with this state of affairs.
Did you withdraw your assets before the deal?
In January of this year, that is, just before the sale of Tsesnabank, Plus Bank, according to the Banki.ru portal, lost 1.3 billion rubles in assets. In general, almost all indicators, with the exception of investments in securities, are in the red. The bank's losses in January approached 500 million rubles, the loan portfolio decreased by almost 1 billion rubles, and deposits of individuals decreased by almost 150 million rubles. In addition, in December 2018, as The Moscow Post previously wrote, the Plus bank lost 113% of its profit, and since February of last year - 493%. With such financial indicators, God himself ordered to revoke the bank's license! But Nabiullina for some reason does not. Moreover, the Central Bank, apparently, turns a blind eye to the aggressive attraction of deposits by the Plus Bank.
But when a credit institution “turns on the vacuum cleaner of deposits”, it is worth at least to think about it. Is all this not being done in order to attract the maximum amount of depositors' money, in order to then arrange a deliberate bankruptcy and escape with the money? Customers of "Plus Bank" should be very careful and think ten times before bringing money there. Well, do not forget about the aforementioned "gangster" methods of working with borrowers.
Bank Beneficiary's Sunset?
The emergence of difficulties for Tsesnabank approximately coincided in time with the departure of the ultimate beneficiary, Adilbek Dzhaksybekov, from the post of head of the presidential administration of Kazakhstan. According to experts, to save the credit institution urgently needed $ 400 million in liquidity from the state. Dzhaksybekov was called by some "the shadow of the president", others - a man who allegedly did not appear in corruption schemes, and still others - a hidden oppositionist. In any case, everything converges to the fact that Dzhaksybekov was the political heavyweight of Kazakhstan.
Dzhaksybekov remained the actual beneficiary of Tsesnabank, not transferring the business to relatives and friends, as other high-ranking officials in Kazakhstan do. Portal "MZK1" attributed to him the authorship of the script for the arrest of Nursultan Nazarbayev's grandson Aisultan, who was placed in a private European prison. Before his imprisonment, the president's grandson called Dzhaksybekov and several other oligarchs "enemies of the state."
Dzhaksybekov "left" from the political scene of Kazakhstan?
“I clearly believe that the story with Aisultan Nazarbayev could have been played out by Timur Kulibayev (husband of Nazarbayev’s middle daughter) with the participation of Adilbek Dzhaksybekov, Bulat Utemuratov, Imangali Tasmagambetov and other oligarchs against Dariga Nazarbayeva. After all, they turn out to be uninterested in her accession as the second president and regent with the young sons of Elbasy (Nazarbayev) from the third marriage ", -