Vpb bank when will pay out money. Central Bank introduced temporary administration in the military-industrial bank
MOSCOW, September 16 - RIA Novosti / Prime. Insurance payments to depositors of the Military Industrial Bank (VPB), which is one of the first hundred Russian credit organizations, in the event of an insured event, may amount to 27.6 billion rubles, Maxim Osadchiy, head of the analytical department of BKF bank, calculated for RIA Novosti.
From September 16, the Bank of Russia entrusted the Deposit Insurance Agency (DIA) with the functions of an interim administration to manage the Military Industrial Bank for a period of six months.
Central Bank appoints interim administration to the Military Industrial BankEarlier in September, the Military Industrial Bank imposed restrictions on the opening and replenishment of deposits, and, according to its clients, limited both the issuance of deposits and the transfer of funds.The primary task of the provisional administration is to conduct a survey of the financial situation of the bank in order to determine its objective financial position.
The expert noted that as of August 1, the amount of deposits of the population and funds of individual entrepreneurs amounted to 30.7 billion rubles.
"If an insured event occurs, the DIA's payments may amount to about 27.6 billion rubles," Osadchiy calculated.
Central Bank prescription
The Central Bank, according to RIA Novosti sources, in early September introduced a prescription restricting the bank to attract funds from individuals and transfer funds from clients. Later, the regulator disconnected the bank from its Bank Electronic Urgent Payments (BESP) system. Banks that the Central Bank disconnects from this system, in most cases, lose their licenses.
VPB appealed to the court and the Prosecutor General's Office with a request to suspend the order. As follows from the appeal to the Prosecutor General's Office, which is at the disposal of RIA Novosti, the basis for the introduction of the prescription was the Central Bank's assumptions that the additional formation of the reserve in the appropriate volume would lead to a decrease in the bank's capital by 57.3% of the maximum value reached over the past 12 months, with a simultaneous violation of the maximum permissible values of mandatory standards H1.0, H1.1 and H6.
So, according to the Central Bank's estimates, the value of the standard N1.0 will be 7.6% (the minimum permissible level of capital adequacy is 8%), N1.1 - 2.66% (the minimum permissible level of capital adequacy is 4.5%), and standard N6 - 35.74% (the maximum permissible risk ratio for one borrower or a group of related borrowers - 25%).
At the same time, the order limited the transfer of customer funds to the amount of 6.3 billion rubles per month. This, as the bank points out in its statement to the Prosecutor General's Office, "almost completely stops its activities" and in the near future "will entail non-execution of payments by the bank on behalf of customers" and "irreversible negative consequences for the bank in terms of financial losses and reputation, and thus , will cause bankruptcy of the bank artificially caused by the regulator ".
The bank drew attention to the fact that it complied with the order to add reserves to the amount of more than 6 billion rubles, without violating the mandatory standards. VPB submitted a report on the implementation of this part of the order to the regulator on September 5. According to the bank, there is no threat to creditors and depositors.
The VPB asked the Prosecutor General's Office to suspend the order until the results of the verification of the facts stated by him are received, indicating that the bankruptcy of the bank will lead to negative consequences for the economy and social situation in Chuvashia and the Moscow region.
The Department of Public Relations of the State Corporation "Deposit Insurance Agency" (DIA) informs that on October 10, 2016 insurance compensation payments to depositors of the credit institution Bank VPB (JSC) (Moscow) will begin.
By order of the Bank of Russia dated September 26, 2016 No. OD-3258, this credit institution revoked its banking license, which is an insured event provided for by the Federal Law “On Insurance of Individual Deposits in Banks of the Russian Federation”. In accordance with it, the bank's depositors, including individual entrepreneurs (IE), have the right to receive insurance compensation on accounts (deposits) opened in this credit institution. The obligation to pay insurance compensation is assigned to the DIA, which performs the functions of the insurer.
Insurance indemnity is paid to the depositor in the amount of 100 percent of the sum of all his accounts (deposits) with the bank, including those opened for entrepreneurial 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 stage (for accounts (deposits) of individual entrepreneurs opened for entrepreneurial activity - as part of the third stage). For a bank account (deposit) in foreign currency, the insurance indemnity is calculated in rubles at the rate of the Bank of Russia on the day of revocation of the license - September 26, 2016. If there are counter claims of the bank against the depositor, their amount is deducted from the amount of invoices (deposits) when calculating the insurance indemnity. In this case, there is no repayment of counterclaims.
Reception of applications for payment of reimbursement for 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), JSC "Rosselkhozbank" and RNKB 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 additionally.
In accordance with federal law, payment of compensation for deposits is carried out during the entire period of liquidation of a credit institution.
For depositors' attention: each of the agent banks is authorized to pay compensation only to a certain group of depositors of Bank VPB (JSC), depending on the initial letter of the depositor's surname and his place of residence (registration address). The distribution of the depositors of Bank VPB (JSC) was carried out taking into account the information about their address of residence (registration address) available in the bank.
The depositor has the right to contact any of the divisions of the respective agent bank indicated on the official website of the DIA on the Internet.
Depositors of Bank VPB can receive compensation for accounts (deposits) opened not for entrepreneurial activity both in cash and by transferring funds to an account with a bank that is a member of the deposit insurance system specified by the depositor.
Payment of compensation for accounts (deposits) opened for entrepreneurial activity is made only by transferring the amount of compensation to an account specified by the depositor in a bank that is a member of the deposit insurance system, opened for entrepreneurial activities.
The depositor can apply for the payment of compensation both personally and through his representative, whose powers must be confirmed by a notarized power of attorney (a sample text of the power of attorney is posted on the official website of the DIA on the Internet: www.asv.org.ru, section “ Deposit Insurance / Forms of Documents ").
If, after the payment of the compensation, the bank's depositors remain unpaid part of the bank account (deposit), they will be able to draw up the creditor's claim to the bank by filling out the appropriate section in the application for payment of compensation for deposits when contacting the division of the agent bank to pay compensation.
Depositors of Bank VPB can obtain information on the list of divisions of the agent bank that pay compensation and their mode of operation 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 informational message on the procedure for payment of insurance compensation is published on October 10, 2016 in the "Rossiyskaya Gazeta".
To the attention of depositors of Bank VPB (JSC) who opened accounts (deposits) or replenished accounts (deposits) after August 29, 2016, with the exception of depositors of the St. Petersburg, Novosibirsk and Rostov branches: systems as of September 26, 2016, information on such transactions may not be included in the register of the bank's liabilities to depositors. In addition, the temporary administration revealed signs of fraudulent actions with deposits and accounts, expressed in unauthorized debiting of clients' funds.
In this regard, depositors of Bank VPB (JSC) are advised to have the originals or duly certified copies of documents confirming the deposition of funds when contacting the agent bank for payment of compensation.
In the event of a disagreement related to the amount of compensation for deposits, or the absence of information about the depositor in the register of insurance payments, the depositor may submit a statement of disagreement with the amount of compensation (hereinafter referred to as a statement of disagreement) to the agent bank for transferring it to the DIA with the originals attached or duly certified copies of documents confirming the validity of the depositor's claims: bank deposit agreement (accounts), cash receipts and debit orders, etc. (hereinafter - additional documents), as well as copies of an identity document.
If the depositor submits the originals of additional documents to the agent bank, the agent bank copies them, confirms the fidelity of the copy to the original and attaches the copies of the documents to the statement of disagreement, which is sent to the DIA. The agent bank returns the originals of the documents to the applicant. If the depositor submits duly certified copies of additional documents to the agent bank, the agent bank shall attach 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 copies of an identity document.
Information on the registration in the DIA of a statement of disagreement, on the beginning of its consideration and on the possibility of obtaining an additional amount of insurance compensation will be available to the depositors of Bank VPB (JSC) through the special service "Find out the status of the statement of disagreement" on the official website of the DIA (section "Insurance deposits / Insured events "/" VPB "Bank (JSC)).
Detailed information on the payment of compensation, as well as on the time, form and procedure for accepting applications for insurance compensation can be obtained by calling the DIA hotline (8-800-200-08-05), as well as on the DIA website (www.asv.org .ru, section "Deposit Insurance / Insured Events").
According to the received register of liabilities of Bank VPB (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.
The insurance indemnity will be paid in 47 constituent entities of the Russian Federation, including in 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 for 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 depositors can apply, in the Novosibirsk region for about 680 million rubles. about 1.4 thousand depositors can apply.
The message of the Bank of Russia says that VPB, in particular, did not comply with the legislation in terms of combating money laundering
Moscow. September 26. website - The Bank of Russia has revoked the license for banking operations from the Military Industrial Bank (VPB, Moscow), the Central Bank said in a statement.
"With the unsatisfactory quality of assets, VPB inadequately assessed the risks assumed in this regard. A proper assessment of credit risk and objective reflection of the value of assets in the financial statements of a credit institution led to a complete loss of its own funds (capital)," the regulator said in a statement.
In addition, the bank did not comply with the requirements of the legislation in the field of combating the legalization (laundering) of proceeds from crime and the financing of terrorism in terms of timely submission of information to the authorized body.
The provisional administration represented by the Deposit Insurance Agency, having started to fulfill its duties, faced significant difficulties in its work due to the actions of the bank's management, which did not ensure the transfer of documents of title to the assets of the credit institution, the Central Bank notes.
The bank introduced a temporary administration until the appointment of a bankruptcy commissioner or liquidator.
The credit institution is a member of the deposit insurance system.
Payments to depositors will begin no later than October 10, the DIA reported. Agent banks will be selected on a competitive basis by 30 September.
The work of the bank was actually suspended
In early September, it became known that the Central Bank disconnected the Military Industrial Bank from the BESP payment acceptance system. VPB introduced restrictions on cash withdrawals from deposits, as well as from bank cards and stopped accepting new funds from citizens.
The chairman of the board of directors of VPB Yuri Koltok told Vedomosti that the regulator actually stopped the work of the bank. So, a financial institution cannot increase the balance on any accounts of individuals, and in order to issue funds from a deposit, it needs to transfer funds from a deposit account to a current one. VPB can no longer calculate interest on the deposit, pay salaries and pensions. Also, VPB has a limitation on the turnover of funds in the accounts of legal entities - no more than 6 billion rubles per month.
Koltok noted that the bank asked for clarification from the Central Bank, but did not receive an answer, in connection with which he filed an application with the Moscow Arbitration Court declaring the decisions and actions of the Bank of Russia illegal.
Interim management
On September 16, the Bank of Russia introduced a temporary administration in the Military-Industrial Bank represented by the DIA for a period of six months. The regulator suspended the powers of the bank's governing bodies for the period of the provisional administration's activities related to making decisions on issues within their competence. Also, the Central Bank limited the rights of the founders of the bank related to participation in its authorized capital, including the right to convene a general meeting of shareholders.
The introduction of the provisional administration was aimed at obtaining operational control over the bank's activities, this measure will ensure the protection of the interests of depositors and creditors.
The largest shareholders of the Military Industrial Bank are citizens of the Russian Federation: Alexander Kachur - 18.8%, Vasily Nosal - 20.6%, Mkrtich Pichikyan - 6.6%, another 7.3% belong to Camelot LLC, 7.1% - LLC "Rhodes".
According to the results of the first half of 2016, the Military Industrial Bank ranked 98th in terms of assets among Russian banks in the Interfax-100 ranking prepared by Interfax-CEA. The volume of the bank's liabilities to individuals as of August 1 was equal to 30.7 billion rubles. ... According to the data of the Bank of Russia, as of September 1 of this year, this credit institution ranked 89th in terms of assets in the banking system of the Russian Federation.
07.10.16 19:16:00The Department of Public Relations of the State Corporation "Deposit Insurance Agency" (DIA) informs that October 10, 2016 payments of insurance compensation to the depositors of the credit institution Bank VPB (JSC) (Moscow) begin.
By order of the Bank of Russia dated September 26, 2016 No. OD-3258, this credit institution revoked its banking license, which is an insured event provided for by the Federal Law “On Insurance of Individual Deposits in Banks of the Russian Federation”. In accordance with it, the bank's depositors, including individual entrepreneurs (IE), have the right to receive insurance compensation on accounts (deposits) opened in this credit institution. The obligation to pay insurance compensation is assigned to the DIA, which performs the functions of the insurer.
Insurance compensation is paid to the depositor in the amount of 100 percent of the amount of all his accounts (deposits) with the bank, including those opened for entrepreneurial 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 stage (for accounts (deposits) of individual entrepreneurs opened for entrepreneurial activity - as part of the third stage). For a bank account (deposit) in foreign currency, the insurance indemnity is calculated in rubles at the rate of the Bank of Russia on the day of revocation of the license - September 26, 2016. If there are counter claims of the bank against the depositor, their amount is deducted from the amount of invoices (deposits) when calculating the insurance indemnity. In this case, there is no repayment of counterclaims.
Reception of applications for payment of compensation for deposits and other necessary documents, as well as payment of compensation are carried out from October 10, 2016 on 10 October 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 additionally.
In accordance with federal law, payment of compensation for 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 Bank VPB (JSC), depending on the initial letter of the depositor's surname and his place of residence (registration address). The distribution of the depositors of Bank VPB (JSC) was carried out taking into account the information about their address of residence (registration address) available in the bank.
The depositor has the right to contact any of the divisions of the respective agent bank indicated on the official website of the DIA on the Internet.
Bank VPB depositors can receive compensation for opennot for businessaccounts (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 accounts (deposits) are made only by transferring the amount of compensation to the account specified by the depositor in the bank - member of the deposit insurance system, opened for entrepreneurial activity.
The depositor can apply for the payment of compensation both personally and through his representative, whose powers must be confirmed by a notarized power of attorney (a sample text of the power of attorney is posted on the official website of the DIA on the Internet: www.asv.org.ru, section “ Deposit Insurance / Forms of Documents ").
If, after the payment of the compensation, the bank's depositors remain unpaid part of the bank account (deposit), they will be able to draw up the creditor's claim to the bank by filling out the appropriate section in the application for payment of compensation for deposits when contacting the division of the agent bank to pay compensation.
Depositors of Bank VPB can obtain information on the list of divisions of the agent bank that make payments of compensation and their mode of operation 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 informational message on the procedure for payment of insurance compensation is published on October 10, 2016 in the "Rossiyskaya Gazeta".
To the attention of the depositors of Bank VPB (JSC) who opened accounts (deposits) or replenished accounts (deposits) after August 29, 2016, excluding depositors of St. Petersburg, Novosibirsk and Rostov branches: due to the failure of the bank's management to transfer the temporary administration of the automated banking system as of September 26, 2016, information on such transactions may not be included in the register of the bank's liabilities to depositors. In addition, the temporary administration revealed signs of fraudulent actions with deposits and accounts, expressed in unauthorized debiting of clients' funds.
In this regard, depositors of Bank VPB (JSC) are advised to have the originals or duly certified copies of documents confirming the deposit of funds when contacting the agent bank for payment of compensation.
In the event of a disagreement related to the amount of compensation for deposits, or the absence of information about the depositor in the register of insurance payments, the depositor may submit a statement of disagreement with the amount of compensation (hereinafter referred to as a statement of disagreement) to the agent bank for transferring it to the DIA with the originals attached or duly certified copies of documents confirming the validity of the depositor's claims: bank deposit agreement (accounts), cash receipts and debit orders, etc. (hereinafter - additional documents), as well as copies of an identity document.
If the depositor submits the originals of additional documents to the agent bank, the agent bank copies them, confirms the fidelity of the copy to the original and attaches the copies of the documents to the statement of disagreement, which is sent to the DIA. The agent bank returns the originals of the documents to the applicant. If the depositor submits duly certified copies of additional documents to the agent bank, the agent bank shall attach 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 copies of an identity document.
Information on the registration in the DIA of a statement of disagreement, on the beginning of its consideration and on the possibility of obtaining an additional amount of insurance compensation will be available to the depositors of Bank VPB (JSC) through the special service "Find out the status of the statement of disagreement" on the official website of the DIA (section "Insurance deposits / Insured events "/" VPB "Bank (JSC)).
Detailed information on the payment of compensation, as well as on the time, form and procedure for accepting applications for insurance compensation can be obtained by calling the DIA hotline (8-800-200-08-05), as well as on the DIA website (www.asv.org .ru, section "Deposit Insurance / Insured Events").
For reference:
According to the received register of liabilities of Bank VPB (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, amounting to about 70 million rubles.
The insurance indemnity will be paid in 47 constituent entities of the Russian Federation, including in 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 for 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 depositors can apply, in the Novosibirsk region for about 680 million rubles. about 1.4 thousand depositors can apply.
It is a survey of the financial situation of the bank in order to determine its objective financial position, ”the Central Bank said in a statement. The regulator also suspended the powers of the bank's governing bodies for the period of the temporary administration. Also, the Central Bank limited the rights of the founders of the bank related to participation in its authorized capital, including the right to convene a general meeting of shareholders. The function of temporary administration in the VPB was entrusted to.
The deposit insurance system as of September 8 included 818 credit institutions, of which 543 are operating banks, five banks that have lost the right to attract funds from individuals, as well as 270 organizations that are in the process of liquidation.
VPB is one of the first hundred Russian credit institutions. According to the ranking of RIA "Rating", according to the results of the first half of the year, the bank took 89th place in terms of assets (64.2 billion rubles). As of August 1, the bank attracted 30.7 billion rubles. from individuals.
The largest shareholders of the Military Industrial Bank are Russian citizens Alexander Kachur (18.8%), Vasily Nosal (20.6%) and Mkrtich Pichikyan (6.6%), another 7.3% belong to Camelot LLC, 7.1 % - LLC "Rhodes".
The bank's problems began in September: last week on Friday, the Central Bank disconnected it from the system of bank electronic urgent payments (BESP).
At the same time, VPB stopped accepting new funds from citizens and limited the withdrawal of cash and deposits from bank cards, and also set a limit on withdrawals from its ATMs in the amount of 150 thousand rubles. per month.
In early September, the bank appealed to the Moscow Arbitration Court to declare the decisions and actions illegal, referring to the lack of clarification from the regulator, the media reported citing the chairman of the board of directors of VPB Yuri Koltok. The bank drew attention to the fact that it complied with the order to create additional reserves in the amount of more than 6 billion rubles, without violating the mandatory standards, it was specified in the message. VPB submitted a report on the implementation of this part of the order to the regulator on September 5. It should be noted that, according to the bank, there is no threat to creditors and depositors.
“The Military-Industrial Bank has a chance to restore its work, since there has not yet been a revocation of the license by the Central Bank,” Yury, an analyst with Veles Capital, explained in a conversation with Gazeta.Ru. - True, as practice shows, the Central Bank may well freeze all processes in the bank.
Since the beginning of the year, the Central Bank has revoked licenses from 69 credit and financial institutions.
Insurance payments to depositors of VPB may amount to 27.6 billion rubles. in the event of an insured event, RIA Novosti reported citing a source.
According to Yuri Kravchenko, in the event of the implementation of the most negative scenario - revocation of the license - VPB depositors will receive insurance payments:
“The Central Bank is trying to react promptly. Most likely, the answer about the future of the bank will follow no later than in two weeks ”.
The situation is unlikely to affect the financial market. “Recently, such cases with banks have become more frequent,” says Kravchenko. “After the check, it will be clear whether the Military-Industrial Bank has a chance to continue working.”