Deposit insurance agency probusinessbank. OJSC Joint Stock Commercial Bank Probusinessbank
The bank was established in 1993 as a CJSC, then transformed into LLC. By the beginning of 1998, the bank occupied a leading position in the car loan market, at the same time it was incorporated. Since 1999, the bank has begun intensive development of factoring and leasing divisions. In 2001, the bank attracted a $5 million subordinated loan from the International Finance Corporation. In January 2003, the foundation was laid for the formation of a holding structure with the participation of regional banks (later transformed into the Life financial group * ) - acquired a controlling stake in Ekaterinburg VUZ-Bank (94.5%). In August 2003, the European Bank for Reconstruction and Development provided the bank with a $10 million credit line to finance export-import operations. In 2004, Express-Volga and the National Savings Bank were acquired.
In 2006, FG Life was formed on the basis of Probusinessbank, and the bank placed an ever stronger emphasis on servicing small and medium-sized businesses. In December 2006, the bank acquired Ivanovo Regional Bank (100%). In March 2007, the bank issued notes on the London Stock Exchange, thus attracting more than $750 million. In 2008, another 375 million rubles were raised from East Capital Financial Institutions Fund AB using the method of issuing ordinary shares. At the same time, East Capital provided the bank with a subordinated loan in the amount of 625 million rubles for five years. In January 2009, the bank acquired Gazenergobank (99.99%), at the same time the share in Bank24.ru was increased to 99.5%. In May 2009, the bank carried out an additional issue of shares with placement by closed subscription in favor of the East Capital fund. During the additional issue, the fund's share in the authorized capital of the bank increased from 12.52% to 19.93%. In December 2009, the bank acquired the Investment City Bank, which was later renamed into Let's Go! Bank.
Since 2010, the bank has been actively expanding its area of presence. In September 2011, the Central Bank of the Russian Federation registered the issue of the bank's bonds for 3 billion rubles. In December 2013, the bank became a sanatorium for the Samara bank Solidarity, which joined the group by February 2014. In January 2015, the shareholders of the financial group "Life" made a strategic decision to merge the business of the Samara bank "Solidarity" and the Ivanovo National Savings Bank on the basis of "Solidarity".
As of March 2015, the Life group is represented in 75 regions of the Russian Federation, in addition to the parent Probusinessbank, it includes VUZ-Bank (Probusinessbank owns 100% of its shares), Express-Volga Bank (Probusinessbank has 98.8%), Ivanovo National Savings Bank (100%), Gazenergobank (99.9%), Let's Go! (100%), CB "Solidarity" (100%). It is worth noting that until recently, the Life group also included Ekaterinburg Bank24.ru, whose license was revoked on September 16, 2014. Probusinessbank also owns: Factoring company Life (100%), development company Probusiness Development (100%), collection agency Life, Cypriot Podem Holdings Limited (100%).
As of March 2015, the main beneficiaries of the bank are Sergei Leontiev (41.50%), who controls the bank through the Cypriot Alivikt Holdings, who is the president and chairman of the board of directors of Probusinessbank, and Alexander Zheleznyak (11.44%), chairman of the board of the bank. Eduard Panteleev, Senior Vice President of Probusinessbank, owns a 5.43% stake through Rodina LLC. British citizen Blake Klein owns 7.22%. Through the East Capital fund, Swedish citizen Peter Elam Hakasson owns 7.17%, while Lithuanian citizen Kestutis Sasnauskas owns 3.14%. Minority shareholders, who own the bank through the Cayman Islands-registered investment funds Blue Crest Emerging Markets Master Fund and Argo Special Situations Fund, account for 14.44% of the bank's shares.
The network of Probusinessbank is represented by the head office in Moscow, 230 additional offices and one operating cash desk outside the cash center. The number of employees of the organization as of January 1, 2015 was 5,057 people.
Legal entities are offered cash settlement services, deposits, lending (including tender and project lending), overdrafts, leasing and factoring, currency control, cash collection, acquiring, tokens, seizing, letters of credit and guarantees, REPO operations. For small and medium-sized businesses, in addition to standard services, the Money Back option is available, which is a financial guarantee of the quality of service (in case of incompetent service and specific shortcomings indicated by the client, the bank offers compensation in the amount of the cost of the tariff plan).
Among the clients of Probusinessbank at different times were noticed such organizations as CJSC Moscow Coffee House on Shares, OJSC Izhora Plants, PJSC Bogorodsk Delicacies, OJSC United Aircraft Building Company, OJSC Shipbuilding Plant Volga, OJSC Metallservice " and etc.
For individuals, the bank offers consumer loans, a deposit line, remote services, credit and debit bank cards (Visa and MasterCard), etc.
Since the beginning of 2014, the currency of the bank's balance sheet has increased by 39.3%, reaching RUB 146.3 billion as of March 2015. The main point of growth in liabilities was interbank borrowing, which increased over the period by 2.6 times, or by 21 billion rubles. Due to the active involvement of medium-term and long-term funds in deposits and deposits, household deposits also grew: +29%, or +6.5 billion rubles, and corporate funds: +10.7%, or +2.7 billion rubles.
The newly attracted funds were mostly directed to settlements on securities, settlements on conversion operations, as well as settlements on letters of credit, due to which the item of the bank's other assets increased by almost five times, or by 37.9 billion rubles. There was also an increase in the securities portfolio (+10.9%, or +4.6 billion rubles) due to investments in bonds. Fixed assets and intangible assets of the bank increased by 1 billion rubles, or one and a half times. By 1.1 billion rubles, or by 41.5%, investments in the capital of other organizations increased. The bank's activity in the interbank loan market as a net creditor also increased by 11.2%, or by 874.3 million rubles.
The bank's liabilities are highly diversified. LORO accounts - 27.6% of net liabilities, the share of interbank attraction - 23.2%, in household deposits - 19.7%, corporate funds - 18.8%, equity - 8.7%. The dynamics of turnover on the bank's current assets is at an extremely high level: from 132.4 to 207.9 billion rubles per month, which indicates the high quality of the client base.
In the asset structure, 32.2% falls on the securities portfolio, which is represented almost entirely by bonds. 32.6% of net assets are other assets (mainly settlements on securities, as well as derivative instruments-claims; a large share of settlements on conversion operations, as well as settlements on letters of credit). The bank's loan portfolio is 17.8% of net assets. Highly liquid assets - 6.7%. Issued interbank loans - 5.9%.
The Bank is highly active in the securities market. It has a significant portfolio of securities (47.1 billion rubles as of March 2015), consisting almost entirely of bonds. 54.4% are federal loan bonds, 19.9% - corporate bonds of non-residents, 16.9% - bonds of foreign states. Portfolio turnover dynamics in the range from 35 to 165 billion rubles per month. The bank is also actively issuing its own securities, in particular bills of exchange - in the amount of 1.7 billion rubles as of March 2015. Promissory notes are mainly issued for a period of up to six months. As of March 2015, the bonds previously issued by the bank were almost completely redeemed (on the balance sheet - 28.6 million rubles).
The bank's lending policy is aimed at lending to individuals, as well as small and medium-sized businesses. As of March 2015, the share of retail loans in the portfolio is at the level of 58.8%. The loan portfolio is diversified by terms. According to the bank's reporting (RAS), the level of delinquency on loans is high (19% as of March 2015), growing in dynamics (10.5% - at the beginning of 2014). The level of delinquency on loans to corporate persons is especially high: as of March 2015, it reaches 21.5%. The provisioning rate for loans issued is also growing and as of March 1, 2015 is 22.3%. Loans are secured by collateral in the amount of 23.7 billion rubles (90.7% of the loan portfolio), which is slightly below the sufficient level. The bank's loan portfolio tends to decrease due to the tightening of the bank's policy on issuing loans to new customers.
During the analyzed period, the Bank was highly active in the interbank market, acting mainly as a net borrower and attracting liquidity mainly from residents, presumably controlled banks. The amount raised as of March 2015 is RUB 33.9 billion. The bank delivers liquidity in strikingly smaller volumes approximately equally to the Bank of Russia, controlled banks and non-residents. In the Forex market, the bank is one of the market makers, showing ultra-high turnover from 460 billion to 1 trillion rubles per month.
At the end of 2014, the bank received a net profit of 1.8 billion rubles (mainly due to operations with foreign currency). In 2013, the bank's net profit amounted to 826.7 million rubles. In 2012, the bank received a net profit of 1 billion rubles (due to core activities).
Board of Directors: Sergey Leontiev (president), Alexander Zheleznyak, Eldar Bikmaev, Eduard Panteleev, Alexander Turbanov, Sergey Zozul, Sofia Bianchi, Hanna-Leena Loikkanen, Mogens Schmidt.
Governing body: Dmitry Dylnov (chairman), Andrey Litvinov, Alexander Lomov, Sergey Letunov, Sergey Shilov, Alexey Pirogov, Elena Tsybina, Vladislav Solodkiy.
* The financial group "Life" is a banking holding created on the basis of the Moscow "Probiznebank". Now unites 7 banks: Probusinessbank (Moscow), Let's Go! (Moscow), VUZ-Bank (Yekaterinburg), Express-Volga (Saratov), National Savings Bank (Ivanovo), Gazenergobank (Kaluga), Solidarity (Samara), as well as the factoring company Life, and Probusiness Development ”, as well as a number of related business structures. The Group has over 800 branches in more than 75 regions, 4 million individual clients and 200 thousand legal entities, 17 thousand employees.
Consolidated assets of the group, according to the interim financial statements under IFRS, for the first half of 2014 amounted to 177.9 billion rubles, capital - 21.4 billion, profit for six months - 952.6 million rubles.
JSC "Joint-Stock Commercial Bank "Probusinessbank" (JSC JSCB "Probusinessbank") is a Russian commercial bank operating in the financial and credit services market in the Russian Federation in 1993-2015. The bank was established in 1993. In 2004, he acquired Express-Volga and National Savings Bank banks. In December 2006, the bank acquired the Ivanovo Regional Bank (100% of the shares). In 2003, on the basis of JSCB Probusinessbank, it was created, which united 8 banks and several companies: Probusinessbank (Moscow), Bank "" (Moscow), (Yekaterinburg), (Saratov), National Savings Bank (Ivanovo), (Kaluga ), Bank "" (Samara), factoring company "Life" and "Probusiness Development", and in 2014-2015 - OJSC CB "Solidarity".
As of March 2015, the main beneficiaries of the bank were Sergey Leontiev (41.5%), who controls the bank through the Cypriot company Alivikt Holdings, who is the president and chairman of the board of directors of Probusinessbank, and the chairman of the board of the bank (11.44%). Eduard Panteleev, Senior Vice President of JSCB Probusinessbank, owned a 5.43% stake through LLC Rodina. British citizen Blake Klein owned 7.22%. Through the East Capital fund, Swedish citizen Peter Elam Hakasson owned 7.17%, while Lithuanian citizen Kestutis Sasnauskas owned 3.14% of the shares. Minority shareholders, who own the bank through Cayman Islands-registered investment funds Blue Crest Emerging Markets Master Fund and Argo Special Situations Fund, accounted for 14.44% of the bank's shares.
The network of Probusinessbank was represented by the head office in Moscow, 230 additional offices and one operating cash desk outside the cash desk. The number of employees of the organization as of January 1, 2015 was 5,057 people. At the end of 2014, the bank received a net profit of 1.8 billion rubles (mainly due to foreign exchange transactions). In 2013, the bank's net profit amounted to 826.7 million rubles. In 2012, the bank received a net profit of 1 billion rubles. As of 2014, the Life Financial Group was among the TOP-30 Russian banking groups in terms of total assets, the TOP-20 Russian banks in terms of attracted deposits from individuals and the TOP-5 largest small business lenders, as well as the top ten most "card" Russian banks.
On August 12, 2015, the Central Bank of the Russian Federation revoked the license from JSCB Probusinessbank. According to the regulator, in connection with the failure of the credit institution to comply with federal laws regulating banking activities, as well as Bank of Russia regulations, the value of all equity (capital) adequacy ratios below 2 percent". The remaining banks of the group were transferred for reorganization under the leadership of the DIA, which led to the collapse of the Life Financial Group.
When applying for a loan at a bank, few people think about the difficulties that may arise as it is repaid. For example, one of the most common problems is revoking a license from a lender. As a result, many are simply at a loss as to who and how to pay the loan. This is exactly what happened with such an organization as Probusinessbank. In order to reduce the intensity of passions among panicking borrowers, we decided to tell in detail where to pay loans from Probusinessbank after its liquidation. We will tell you more about this later.
Brief information about the bank
Probusinessbank was founded in early 1993. Since its inception, this company has taken a course for later, it has introduced car loan programs into its universal portfolio of services and began to issue loans to individuals. It was these innovations that helped the bank to take a leading position in this niche by 1998.
At the end of 2006 JSCB "Probusinessbank" joined the large holding "Life", continuing to focus on clients revolving in various business structures. Closer to 2015, in addition to this financial institution, other banks joined the Life group. And the credit institution itself has acquired an enviable retail network with 230 offices and branches, and a full-fledged operating cash desk.
What services does the bank offer to its customers?
During the work of OJSC JSCB "Probusinessbank" offered its customers the following types of services:
- deposit programs;
- design and ;
- overdrafts;
- factoring and leasing;
- acquiring;
- currency operations;
- rental of safes and cells;
- REPO operations;
- letters of credit;
- remote service and many others.
At that time, among the regulars of this financial organization, such companies as the Moscow Coffee House on Shares, Bogorodsk Delicacies, Izhora Plants, Volga Shipbuilding Plant and others were noticed.
License revocation: what are the reasons
Despite high ratings and great popularity among business representatives, the bank still lost its license. This happened at the beginning of August 2015. The main reason for this decision of the regulator was the systematic violation of federal legislation by Probusinessbank. And of course, the financial institution did not go without a high-risk credit policy followed by investing money in low-quality assets. In a word, "finita la comedy". This is how the activities of the center player in the credit policy of the Life group, better known as Probusinessbank, ended. How to pay off a loan after revoking a license from this financial institution, we talk further.
Where can I find the details of credit organizations for payment?
The revocation of the license from their favorite creditor was a real shock for the bank's clients. Most of the borrowers, as we have already said, were quite large entrepreneurs, so none of them fell into despair. However, among them were individuals who were interested in where they should now turn in order to repay the ill-fated loan. Many of them at one time even gathered near the Moscow office of the bank and picketed the entrance to the building. They demanded clarifications from the company's management and, of course, the return of money on deposits.
Having warned people's unrest in advance, the Agency reported the details of Probusinessbank to pay for the loan. This information was published by the representative office of the organization two days after the revocation of the bank's license on its official website. At the same time, information was provided separately for individuals and legal entities, as well as for borrowers who previously issued loans in national and foreign currencies (US dollars and euros).
Attention! The agency's website has a reminder for all non-payers. According to this message, penalties will be applied to legal entities and individuals for non-payment of the loan.
How to find out the necessary details for paying a loan?
To find out the details of Probusinessbank for paying a loan, you must perform the following simple steps:
- go to the main page of DIA asv.org.ru;
- from the menu list (located in the upper left corner of the site) select "Liquidation of banks";
- from the alphabetical directory under the letter "P" select "Probusinessbank";
- go to the details page.
Similar information about details and partner banks can be found on the website prbb.ru.
In which banks can I pay a loan without commission?
Despite the fact that the Deposit Insurance Agency has already designated several financial institutions ready to accept payments on bankrupt bank loans, many borrowers prefer to pay the loan at nearby financial institutions, most of which are clearly not ready to work for a “thank you”. Taking the opportunity, they set their commission for servicing third-party clients. And this is an additional cost. In order to avoid them, you must first find where to pay Probusinessbank loans without commissions.
In order to facilitate your task, we will name the most basic of the agent banks:
- PJSC "Russian Capital".
- PJSC "Transcapitalbank"
- JSC "Tatfondbank"
- PJSC Sovcombank.
- Payment Center LLC (using the Golden Crown service).
This is where you can pay loans from Probusinessbank without additional fees.
How to find the addresses of agent banks for payment?
In order to find out where the nearest branch of the agent bank is located, you should enter the main page of the DIA, select "Liquidation of banks", go to the "Member banks" tab, open the alphabetical list and search for the appropriate organization in it. For example, one of the branches of PJSC "Russian Capital" is located in Moscow on Bolshaya Molchanovka street, 21/A.
A representative office of Transcapitalbank PJSC can be found, for example, in Bryansk (Sovetsky district), on Proletarskaya street, 1. A branch of Tatfondbank OJSC, where Probusinessbank loans are paid, is located in Kazan, on Vosstaniya street, 31/26.
Offices and branches of Sovcombank PJSC can be visited, for example, in the city of Aleksandrov. There is a representative office of the bank, located on Lenina Street, 24, building 1. The second branch of the financial organization is located on Tereshkova Street, 6.
In turn, Payment Center LLC is another agent representing Probusinessbank. How to pay a loan in this organization (in cash or by card) is up to you. The main thing is to contact the partner salons of the network. Among them are the following intermediaries:
- Euroset.
- Beeline.
- "Frisbee".
- "MTS".
- "Maximus".
- "Kari".
- Agent.Ru.
- "Tsifrograd".
- "Sangi Style".
- "Division" and others.
JSCB "Probusinessbank" is a member of Life Financial Group. The bank was founded on July 7, 1993 to serve manufacturing companies (industrial enterprises in the chemical, food, processing industries, high technology, communications, housing construction, transport and wholesale trade) and stimulate the development of enterprises in the market sector of the economy.
The bank's management chose the direction of development as a traditional commercial bank - independent of political parties and movements, government and management structures. Thanks to stable and professional work, Probusinessbank is well known in the international financial community. Traditional for the bank are credit programs aimed at business development.
Probusinessbank is a reliable and long-term partner for our clients. In addition to the General License of the Bank of Russia for banking operations and a license for taking deposits and placing precious metals, Probusinessbank owns licenses for brokerage, dealer, depository and securities management activities. Probusinessbank also has the right to act as a guarantor before the customs authorities.