The DIA begins paying insurance compensation to depositors of Centercombank and VPB Bank (JSC). The Central Bank found it impossible to reorganize the military-industrial bank Vpb bank when they start paying
07.10.2016 \ Financial sector news
The Public Relations Department of the State Corporation "Deposit Insurance Agency" (DIA) announces that on October 10, 2016, payments of insurance compensation to depositors of the credit organization Bank "VPB" (JSC) (Moscow) begin.
Bank of Russia Order No. OD-3258 dated September 26, 2016 revoked the banking license of this credit institution, which is an insured event stipulated by the Federal Law “On insurance of deposits of individuals in banks of the Russian Federation”. In accordance with it, bank depositors, including individual entrepreneurs (IEs), are entitled to receive insurance compensation on accounts (deposits) opened with this credit institution. The obligation to pay insurance compensation is assigned to the DIA, which performs the functions of an insurer.
The insurance compensation is paid to the depositor in the amount of 100 percent of the sum of all his accounts (deposits) in the bank, including those opened for business activities, but not more than 1.4 million rubles in total. The amount not compensated by insurance will be repaid during the liquidation of the bank as part of the claims of creditors of the first priority (for accounts (deposits) of individual entrepreneurs opened for entrepreneurial activities - as part of the third priority). For a bank account (deposit) in foreign currency, the insurance indemnity is calculated in rubles at the exchange rate of the Bank of Russia on the date of revocation of the license - September 26, 2016. If there are counterclaims of the bank against the depositor, their amount is deducted from the amount of accounts (deposits) when calculating the insurance indemnity. In this case, the repayment of counterclaims does not occur.
Acceptance of applications for the payment of reimbursement on deposits and other necessary documents, as well as payment of reimbursement are carried out from October 10, 2016 to October 10, 2017 through VTB 24 (PJSC), Rosselkhozbank JSC and RNCB Bank (PJSC), acting on behalf of DIA and at its expense as agent banks. After October 10, 2017, the acceptance of applications, other necessary documents and the payment of compensation will be carried out either through agent banks or the DIA independently, which will be announced later.
In accordance with federal law, the payment of compensation on deposits is carried out during the entire period of liquidation of a credit institution.
To the attention of depositors: each of the agent banks is authorized to pay compensation only to a certain group of depositors of VPB Bank (JSC) depending on the initial letter of the depositor's last name and his place of residence (registration address). Distribution of depositors of VPB Bank (JSC) was carried out taking into account information about their address of residence (registration address) available at the bank.
The depositor has the right to apply to any of the divisions of the corresponding agent bank indicated on the official website of the DIA on the Internet.
Date: 07.10.2016
The Public Relations Department of the State Corporation Deposit Insurance Agency (DIA) announces that October 10, 2016 payouts of insurance compensation to depositors of the credit organization VPB Bank (JSC) (Moscow) begin.
Bank of Russia Order No. OD-3258 dated September 26, 2016 revoked the banking license of this credit institution, which is an insured event stipulated by the Federal Law “On insurance of deposits of individuals in banks of the Russian Federation”. In accordance with it, bank depositors, including individual entrepreneurs (IEs), are entitled to receive insurance compensation on accounts (deposits) opened with this credit institution. The obligation to pay insurance compensation is assigned to the DIA, which performs the functions of an insurer.
The insurance compensation is paid to the depositor in the amount of 100 percent of the sum of all his accounts (deposits) in the bank, including those opened for business activities, but not more than 1.4 million rubles in total. The amount not compensated by insurance will be repaid during the liquidation of the bank as part of the claims of creditors of the first priority (for accounts (deposits) of individual entrepreneurs opened for entrepreneurial activities - as part of the third priority). For a bank account (deposit) in foreign currency, the insurance indemnity is calculated in rubles at the exchange rate of the Bank of Russia on the date of revocation of the license - September 26, 2016. If there are counterclaims of the bank against the depositor, their amount is deducted from the amount of accounts (deposits) when calculating the insurance indemnity. In this case, the repayment of counterclaims does not occur.
Acceptance of applications for the payment of compensation on deposits and other necessary documents, as well as the payment of compensation are carried out with October 10, 2016 on October 10, 2017 across VTB 24 (PJSC),JSC Rosselkhozbank And RNKB Bank (PJSC) acting on behalf of the DIA and at its expense as agent banks. After October 10, 2017, the acceptance of applications, other necessary documents and the payment of compensation will be carried out either through agent banks or the DIA independently, which will be announced later.
In accordance with federal law, the payment of compensation on deposits is carried out during the entire period of liquidation of a credit institution.
To the attention of depositors: each of the agent banks is authorized to pay compensation only to a certain group of depositors of VPB Bank (JSC) depending on the initial letter of the depositor's surname and his place of residence (registration address). Distribution of depositors of VPB Bank (JSC) was carried out taking into account information about their address of residence (registration address) available at the bank.
The depositor has the right to apply to any of the divisions of the corresponding agent bank indicated on the official website of the DIA on the Internet.
Depositors of VPB Bank can receive compensation for open not for business accounts (deposits) both in cash and by transferring funds to an account with a bank participating in the deposit insurance system specified by the depositor.
Payment of compensation for open for business activities accounts (deposits) is made only by transferring the amount of compensation to the account indicated by the depositor in the bank - participant of the deposit insurance system, opened for business activities.
The depositor can apply for the payment of compensation either personally or through his representative, whose powers must be confirmed by a notarized power of attorney (an approximate text of the power of attorney is available on the official website of the DIA on the Internet: www..
If, after the payment of compensation, the bank's depositors have an unpaid part of the bank account (deposit), they will be able to draw up the creditor's claim against the bank by filling out the appropriate section in the application for payment of compensation on deposits when applying to the division of the agent bank for payment of compensation.
Depositors of VPB Bank can receive information about the list of departments of the agent bank that pay compensation and their working hours by calling the following hotlines: VTB 24 (PJSC) - 8-800-505-24-24,JSC Rosselkhozbank - 8-800-200-02-90,RNKB Bank (PJSC) - 8-800-234-27-27.
An information message on the procedure for paying insurance compensation is published on October 10, 2016 in Rossiyskaya Gazeta.
To the attention of depositors of VPB Bank (JSC) who opened accounts (deposits) or replenished accounts (deposits) after August 29, 2016, except for depositors of St. Petersburg, Novosibirsk and Rostov branches : due to the failure of the management of the bank to transfer the automated banking system to the temporary administration as of September 26, 2016, information on such operations may not be taken into account in the register of the bank's obligations to depositors. In addition, the interim administration revealed signs of fraudulent activities with deposits and accounts, expressed in unauthorized debiting of customer funds.
In this regard, depositors of VPB Bank (JSC) are advised to have originals or duly certified copies of documents confirming the deposit of funds when applying to an agent bank for reimbursement.
In the event of disagreements related to the amount of compensation on deposits, or the absence of data on the depositor in the register of insurance payments, the depositor may submit an application for disagreement with the amount of compensation (hereinafter referred to as the statement of disagreement) to the agent bank to transfer it to the DIA, attaching the originals or duly certified copies of documents confirming the validity of the depositor's claims: bank deposit (account) agreement, cash receipts and debit orders, etc. (hereinafter - additional documents), as well as copies of an identity document.
If the depositor submits to the agent bank the originals of additional documents, then the agent bank copies them, certifies that the copy is true to the original and attaches the copies of the documents to the statement of disagreement, which is submitted to the DIA. The agent bank returns the original documents to the applicant. If the depositor submits duly certified copies of additional documents to the agent bank, then the agent bank attaches them to the statement of disagreement, which is submitted to the DIA.
The depositor can independently send a statement of disagreement by mail to the DIA with the attachment of originals or duly certified copies of additional documents, as well as a copy of an identity document.
Information about the registration of a statement of disagreement with the DIA, the beginning of its consideration and the possibility of obtaining an additional amount of insurance compensation will be available to depositors of VPB Bank (JSC) through the special service "Find out the status of a statement of disagreement" on the official website of the DIA (section "Insurance deposits/Insured events”/“VPB” Bank (JSC)).
For reference:
According to the received register of obligations of VPB Bank (JSC) for the payment of insurance compensation in the amount of about 28.7 billion rubles. about 78 thousand depositors can apply, including about 760 depositors who have accounts (deposits) for entrepreneurial activities, in the amount of about 70 million rubles.
Insurance indemnity will be paid in 47 constituent entities of the Russian Federation, including Moscow and the Moscow Region for the payment of insurance indemnity in the amount of about 19 billion rubles. about 53 thousand depositors can apply, in St. Petersburg and the Leningrad region in the amount of about 1.7 billion rubles. about 3.3 thousand depositors can apply, in the Ryazan region in the amount of about 1.8 billion rubles. about 4 thousand depositors can apply, in the Rostov region in the amount of about 440 million rubles. about 800 investors can apply, in the Novosibirsk region in the amount of about 680 million rubles. about 1.4 thousand investors can apply.
On September 26, the Bank of Russia revoked the license from the Moscow Military Industrial Bank JSC (VPB). According to the financial statements, in terms of assets as of September 1, VPB ranked 89th in terms of assets in the country's banking system. He attracted 30.6 billion rubles. funds of the population, as of August 1. The beneficiaries of the bank include 28 individuals, follows from the materials of the Military Industrial Bank, in fact it is controlled by the chairman of the board of directors Yuri Koltok, the bank's counterparty told Vedomosti. Koltok himself denied this.
Given the unsatisfactory quality of assets, the bank inadequately assessed the risks taken in connection with this, explains the press service of the regulator. "A proper assessment of credit risk and an objective reflection of the value of assets in the reporting of a credit institution led to the complete loss of its own funds (capital)," the message on the Central Bank's website says. The requirements of the laws in the field of combating money laundering and the financing of terrorism were not observed by the VPB in terms of the timely submission of information to the authorized body.
On September 16, the Central Bank published an order on the introduction of a temporary administration in the VPB due to the threat to the interests of creditors and depositors. These functions were entrusted to the Deposit Insurance Agency (DIA) for six months. The main task of the administration was to study the financial situation of the bank. The interim administration, represented by the DIA, “faced significant difficulties in its work due to the actions of the bank’s management, which did not ensure the transfer of title documents for the assets of a credit institution,” explained 26 September. also a regulator. Taking into account all the above, the reorganization of the bank with the involvement of the DIA was not possible, the Central Bank added.
At the end of August, after the last check, the Central Bank ordered the VPB to create additional reserves for 6 billion rubles, mainly loans to technical companies, two counterparties of the VPB told Vedomosti. According to them, this seriously shook the financial position of the bank. Some of the reserves were in loans to tech companies, they said. Koltok confirmed to Vedomosti that the bank had received an order to complete provisions for more than 6 billion rubles. These are reserves for loans issued for investment projects: factories in Cheboksary and the Kaluga region, the construction of economy-class housing for military personnel, Koltok said. It follows from his words that the bank had to create a 50% reserve for almost half of the loan portfolio. The bank increased its capital in August to 12 billion rubles. due to the restoration of reserves and additional emission, but due to the order of the Central Bank by September, the capital decreased to 5.8 billion rubles: “At the same time, we did not violate a single standard, in order to violate the standards, our capital should amount to 5.3 billion.”
In early September, it became known. that the VPB asked the Prosecutor General's Office to check the legitimacy of the regulator's order to create additional reserves, and to suspend prohibitions and restrictions on operations during the check. The source of Vedomosti also said that the Military Industrial Bank had liquidity problems, as it faced an outflow of customer funds. In addition, by August, all funds from it were taken by the Central Bank and counterparties in the interbank market, although at the beginning of the year they kept almost 10 billion rubles there, follows from the reporting.