During an inspection at the end of July, the Central Bank identified a large shortage Money in the bank. An analysis of the formation of reserves for possible losses also showed a complete loss by the bank own funds, indicate the Central Bank. The managers and owners of the bank provided the Central Bank with unreliable reports, and also withdrew assets from the bank to the detriment of creditors and depositors. The regulator draws attention to the fact that in 2017 the bank pursued an aggressive policy of attracting funds from individuals. The Bank of Russia twice introduced restrictions and once a ban on the attraction of household deposits by the Krylovsky Bank. A temporary administration has been appointed to JSCB Krylovsky. Authority executive bodies credit institutions are suspended. According to reports, the credit institution ranked 360th in terms of assets as of July 1 banking system Russia.
Information for depositors of Bank KrylovskyAttention
On this moment Krylovsky Bank was relieved of its management, which had lost its powers. DIA: payments to depositors of Krylovsky Bank DIA began paying insurance payments on deposits to Krylovsky depositors. Today, August 16, 2018, the Deposit Insurance Agency (DIA) begins paying insurance compensation to depositors of Krylovsky Bank, whose license was revoked by the Bank of Russia on August 2.
The total amount of payments to bank depositors, including individual entrepreneurs(IP), will be about 8.5 billion rubles. Get insurance payment Krylovsky depositors will be able to pay at the agent bank Sberbank, the payment amount is no more than 1.4 million rubles. Bank Krylovsky license revoked where to get money
Proper reserve stocks were not formed in case of losses. As a result, the moment came when the bank completely lost its own funds.
Revocation of the license from JSCB Krylovsky Inspectors saw signs of dishonesty in the bank’s activities. No measures were taken by management.
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Moreover, inaccurate reporting was revealed. There was a withdrawal of assets, which infringed on the interests of creditors and depositors. Information regarding this fact has been sent to the relevant authorities.
Based on the financial indicators of the credit institution, one can assume that there was a banal theft. All this was the basis for Krylovsky’s license No. 456 to be revoked.
Why was the Krylovsky Bank’s license revoked and will people’s deposits be returned?MOSCOW, August 2. /TASS/. The Bank of Russia revoked the license to carry out banking operations at the Krasnodar joint stock company commercial bank"Krylovsky", which is a participant in the deposit insurance system. According to reporting data, as of July 1, 2017, in terms of assets, the credit institution occupied 360th place in the banking system of the Russian Federation, the regulator reports.
According to the Central Bank, in 2017 the bank pursued an aggressive policy of attracting funds from individuals. The regulator has repeatedly applied supervisory measures against Krylovsky, including twice introducing restrictions and once a ban on attracting deposits from the public. During an audit of the cash registers of a number of divisions carried out by the Central Bank on July 26, a major shortage was identified.
Krylovsky" is a participant in the deposit insurance system. The Deposit Insurance Agency will begin paying depositors no later than August 16, 2017. Each depositor, including an individual entrepreneur (IP), has the right to receive insurance compensation as soon as possible.
Insurance compensation is paid to the depositor in the amount of 100% of the amount of all his accounts (deposits) with the bank, including those opened for entrepreneurial activity, 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 individual entrepreneur accounts opened for business activities - as part of the third priority).
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Advertising Banks Loans We are in touch Revocation of the license from the Krylovsky bank There is a possibility that the bank still has some capital, which means we will be able to get our money without any problems. But since this option does not always work, we move on to the next one. The second option is to go to court. This is a better option, although you should not count on 100% results. Here we will need to act extremely quickly, literally at the same moment when we learned that the license had been revoked. They know the practice of such cases and, most likely, will immediately indicate to you the chances of success. Information for depositors of Krylovsky Bank Applications for payment of insurance compensation can be submitted by depositors during the entire period of liquidation of the bank.
The Central Bank revoked the license of the Krasnodar bank "Krylovsky"List of places where will be carried out compensation payments, can be found on the Agency’s portal. To receive a refund, you must personally appear at one of the specified departments and present your passport. When visiting, you will need to write a statement. It is written on a special form that will be issued upon visiting the agent bank branch.
You can also receive compensation through another person, but this person requires the execution of a power of attorney that has a notarization. If a former client of Krylovsky lives where there are no institutions paying compensation, then an application for this is sent by registered mail to the Agency's address in Moscow.
Lead the economyFinancial indicators According to such an indicator as the size of assets, Krylovsky ranked 338th among all banks that exist in Russia. In June 2017, the indicator therefore decreases by 1 position.
Meanwhile, the dynamics of assets is one of the indicators by which one judges how effective an institution is. It is an indicator of the stability and reliability of a credit organization.
there is a decrease by as much as 7 positions. In terms of the volume of loans issued, the bank was in 464th place among all existing banks in the country. This picture was observed in May 2017. A month later, this indicator decreased by 17 points. Having analyzed the situation, we can conclude that there is a pronounced negative trend in the activities of this joint stock bank.
During an inspection at the end of July, the Central Bank discovered a large shortage of funds in the bank. An analysis of the formation of reserves for possible losses also showed a complete loss of the bank’s own funds, the Central Bank indicates.
The managers and owners of the bank provided the Central Bank with unreliable reports, and also withdrew assets from the bank to the detriment of creditors and depositors.
The regulator draws attention to the fact that in 2017 the bank pursued an aggressive policy of attracting funds from individuals. The Bank of Russia twice introduced restrictions and once a ban on the attraction of household deposits by the Krylovsky Bank.
A temporary administration has been appointed to JSCB Krylovsky. The powers of the executive bodies of the credit organization have been suspended.
According to reports, as of July 1, in terms of assets, the credit institution occupied 360th place in the Russian banking system.
Payment on depositsKrylovsky is a participant in the deposit insurance system. The Deposit Insurance Agency will begin paying depositors no later than August 16, 2017. Each depositor, including an individual entrepreneur (IP), has the right to receive insurance compensation as soon as possible.
Insurance compensation is paid to the depositor in the amount of 100% of the amount of all his accounts (deposits) with 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 individual entrepreneur accounts opened for business activities - as part of the third priority).
Full name JSC "Joint Stock Commercial Bank"Krylovsky" City of Krasnodar License number 456 | Information on the Central Bank website Reason for license revocation Date 08/02/2017 Reason for license revocation By Order of the Bank of Russia dated 08/02/2017 N OD-2190, the license to carry out banking operations was revoked from 08/02/2017 from the credit organization Joint Stock Commercial Bank "Krylovsky" ( Joint-Stock Company) JSCB "Krylovsky" (JSC) (reg. No. 456, Krasnodar). According to reporting data, in terms of assets, the credit institution ranked 360th in the banking system as of July 1, 2017 Russian Federation.
The basis of the credit organization's resource base was the funds raised from the population. In 2017, the bank pursued an aggressive policy of attracting funds from individuals. The Bank of Russia has repeatedly applied supervisory measures against JSCB Krylovsky (JSC), including twice introducing restrictions and once a ban on attracting household deposits.
During an audit of the cash registers of a number of divisions of JSCB Krylovsky (JSC) carried out by the Bank of Russia on July 26, 2017, a large shortage of funds was identified. The formation of the necessary reserves for possible losses on actually missing assets revealed a complete loss of the credit institution's own funds (capital).
The managers and owners of the bank did not take effective measures to normalize its activities. Moreover, their actions showed signs of dishonest behavior, expressed in the submission of unreliable reports to the Bank of Russia and the withdrawal of assets to the detriment of the interests of creditors and depositors. Information about these facts will be sent by the Bank of Russia to law enforcement agencies. In the current circumstances, the Bank of Russia, on the basis of Article 20 of the Federal Law “On Banks and banking» fulfilled the obligation to revoke the license to carry out banking operations from JSCB Krylovsky (JSC).
Application decision last resort impact - revocation of the license to carry out banking operations - was adopted by the Bank of Russia in connection with the credit organization’s failure to comply with federal laws regulating banking activities, as well as Bank of Russia regulations, the value of all equity (capital) adequacy standards below two percent, and a decrease in the amount of equity ( capital) below minimum value authorized capital established on the date state registration credit institution, taking into account the repeated application within one year of the measures provided for Federal law"O Central Bank Russian Federation (Bank of Russia)".
In accordance with the order of the Bank of Russia dated 02.08.2017 N OD-2191, a temporary administration was appointed to JSCB Krylovsky (JSC) for a period until the appointment of a bankruptcy trustee in accordance with the Federal Law “On Insolvency (Bankruptcy)” or appointment in accordance with Article 23.1 of the Federal Law “On Banks and Banking Activities” of the liquidator. The powers of the executive bodies of the credit organization have been suspended in accordance with federal laws.
JSCB Krylovsky (JSC) is a participant in the deposit insurance system. Revocation of a license to carry out banking operations is an insured event provided for by Federal Law No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation” in relation to the bank’s obligations on household deposits determined in the manner prescribed by law. The said Federal Law provides for the payment of insurance compensation to bank depositors, including individual entrepreneurs, in the amount of 100% of the balance of funds, but not more than 1.4 million rubles in total per depositor.
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The bank was established in October 1990 on the basis of the Krylov branch of Agroprombank of the USSR (Krasnodar Territory) in the form of a LLP. In November 1999, it was corporatized by enterprises and organizations of the agro-industrial complex of the Krylovsky district. In September 2003, the bank opened a branch in Moscow. Since March 2005, it has been included in the deposit insurance system. In 2006, the head office of Bank Krylovsky was transferred from the village of Krylovskaya to the city of Krasnodar.
According to the disclosed information, the bank is currently under the control of Mikhail Ruzin, who owns 72.73% of the shares. Other shareholders of the credit institution include Leonid Mostovoy (8.28%), Alexander Vacca (6.58%), Larisa Fedyanina (4.87%), Tatyana Peter (3.13%), Georgy Kurin (3.06% ) and minority shareholders (1.37%).
In 2013, information appeared in a number of Internet media that Mikhail Ruzin is known for his connections with the former Minister of Finance of the Moscow Region, Alexey Kuznetsov, who held the post of First Vice President of Inkombank in 1994-1998, and the former head of the Pushkinsky district, Vladimir Bashkirtsev. In 2000-2001, Mikhail Ruzin served as a bankruptcy trustee during the liquidation of Inkombank. Currently, Mikhail Ruzin, together with Alexander Vakka, owns Mozhaisky Les LLC, which is engaged in logging, gardening partnership"Rassvet" in the Dmitrovsky district of the Moscow region, as well as a number of other organizations and enterprises in Moscow and the Moscow region.
Alexander Vacca's activities are also related to bankruptcy management: he was the bankruptcy manager of OJSC Promstroybank of Russia in 2000-2001, as well as OJSC State Experimental Design Bureau Amethyst.
The head of the board of directors of the Krylovsky bank, Georgy Kurin, is a former minister of the RSFSR, a former plenipotentiary representative of the Russian government in Chechen Republic and assistant to the bankruptcy manager of Promstroybank.
Mikhail Ruzin, Alexander Vacca and Georgy Kurin are associated with NP SRO Paritet, which has been involved in bankruptcy management since 2003. At different times they headed this company. At the moment, its president and co-founder is Georgy Kurin, Alexander Vacca is also listed among the founders of the company.
In addition to the head office, the bank has 23 additional offices in the Krasnodar Territory, Moscow and the Moscow Region, as well as seven operational cash desks outside the cash desk. The bank's only branch is located in Moscow. The number of personnel as of October 1, 2016 was 472 employees. The company's own ATM network is represented by two devices.
The list of services and products of the financial institution for individuals includes deposits, customer credit and lending to pensioners, issue plastic cards MasterCard systems and Visa, carrying out utility payments and transfers (including through the “ gold Crown", UNIStream, Western Union, “Leader”, Contact), foreign exchange transactions, rental of safe deposit boxes, sale of commemorative and investment coins. The bank also provides services for obtaining pensions. Back in September 2008, the bank entered into agreements in the Moscow region with branches of the Pension Fund of the Russian Federation, USZN, Municipal Administrations, Housing and Communal Services Departments and Municipal Unitary Enterprises for the delivery and crediting of pensions, benefits and other social payments to individuals’ accounts. Operations for delivering pensions and home benefits to pensioners are carried out only in the Moscow region.
Available to legal entities different kinds loans, overdraft, bank guarantees, cash register services (including remote banking services), conducting foreign exchange transactions, deposits, rental of individual bank safes, etc. The bank’s clients at various periods included the following organizations: Empire LLC, League Realty LLC, Medical Trade and Manufacturing Company Quantum-Satis LLC, Polygraph Service LLC , LLC "TEZHK "Transport Center", MUP "Teploenerget", Administration municipality Krylovsky district.
Since the beginning of 2016, the volume of net assets of the credit institution decreased by 18.5% (0.9 billion rubles) and as of February 1, 2017 amounted to 4.0 billion rubles. In the passive part, the main reason for the decrease in the balance sheet currency was the outflow of funds from enterprises and organizations (-12.8%, or 46.1 million rubles) and funds from individuals (-11.6%, or 310.4 million rubles). At the same time, there is a slight increase in the bank’s own funds (+1.6%, or 7.4 million rubles). In the active part of the balance sheet, the bank significantly reduced the volume of investments in highly liquid assets (-47.2%, or 1.5 billion rubles), as well as in the securities portfolio (-26.5%, or 135.8 million rubles). At the same time, the released funds were mainly placed on deposit with the Central Bank of the Russian Federation (+640.0 million rubles) and invested in a portfolio of other assets (+108.7%, or 74.3 million rubles).
The structure of the credit institution's liabilities is poorly diversified by sources of attraction and is characterized by an extremely high dependence on funds from individuals: as of February 1, 2017, their share in liabilities reached 59.8% (at the beginning of 2016 - 55.1%). The bulk of individuals' funds is represented by household deposits with maturities from one to three years (77% of the total volume of individuals' funds). Funds of enterprises and organizations (mainly balances on demand accounts) form 7.9% of net liabilities. The financial institution's client base is moderately active, with turnover on client accounts amounting to 1.7-2.6 billion rubles monthly. In turn, more than 60% of funds corporate clients in the bank is represented by balances of government and public organizations. According to IFRS reporting for 2015, the bank demonstrates a low concentration of client funds: on four largest clients accounts for 3% of the total amount of client funds. The Bank does not issue its own securities.
Own funds - 11.6% of net liabilities; since the beginning of 2016, the volume has increased by 1.6% and as of February 1, 2017 amounted to 459.9 million rubles. It is worth noting that the capital includes a subordinated loan raised from Welstead Investments Capital S.A. (Canada) in the amount of 2 million euros with a maturity until April 2038, as well as a subordinated deposit attracted from LLC " Insurance Company"Inertek", in the amount of 25 million rubles with a repayment period until March 2044. In April 2016, all rights of claim of Welstead Investments Capital S.A. under the assignment agreement were transferred to JSC Russian Land. The share of subordinated funds in the capital structure as of February 1, 2017 was approximately 18.5%. Stock equity bank is quite comfortable and leaves room for increasing assets and absorbing losses: the N1.0 standard amounted to reporting date 15.55% with a minimum of 8% (+0.33% since the beginning of 2016).
In the structure of assets, the leading position is occupied by the volume of highly liquid funds (42.1%), formed by balances in the cash register, on a correspondent account with the Bank of Russia and on nostro accounts in Russian banks. Cash account turnover in recent months are at the level of 4.5-6.3 billion rubles monthly, while turnover on the correspondent account with the Central Bank of the Russian Federation reaches 5.6-8.9 billion rubles. Another 21.5% and 16.2% form the loan portfolio and interbank loans, respectively. Investments in securities and fixed assets in total constitute a share of about 16% of the net assets of the credit institution.
During the period under review, the loan portfolio, more than 63.0% formed by corporate loans, decreased by 4.3%, or by 38.1 million rubles in absolute terms, amounting to 852.4 million rubles as of February 1, 2017. At the same time, during the analyzed period the bank increased its share retail lending. The loan portfolio is predominantly long-term: the share of loans issued for a period of more than one year is 90.9%. The level of overdue debt significantly decreased in volume and as of February 1, 2017 amounted to 0.62% (at the beginning of 2016 - 5.57%). The reserve level for the portfolio is 10.71% (at the beginning of the period - 8.79%). The loan portfolio is secured by property in the amount of 1.5 billion rubles (178.73% of the total loan portfolio), which is a sufficient level of security. According to the bank’s reporting for the three quarters of 2016 according to RAS, the main volume of loans accounted for the following types of activities (as a percentage of the total loan portfolio): operations with real estate(54.9%), wholesale and retail(9.1%) and construction (5.5%). It is worth noting the relatively high concentration credit risks bank: as of January 1, 2016, the six largest borrowers accounted for 36.1% of total loans.
The property of the Krasnodar bank was put up for auction.
The Deposit Insurance Agency (DIA) put up real estate and movable property Krasnodar bank "Krylovsky" at a starting price of 167.6 million rubles. In August last year, the Central Bank revoked the license of the credit institution due to an aggressive policy of attracting funds from individuals and the almost complete loss of its own assets. As a result, liabilities to creditors who fell on the shoulders of the DIA amounted to 8.7 billion rubles. First-priority creditors have been paid 183.3 million rubles; the agency is awaiting the next proceeds to the debtor's bankruptcy estate from the sale of its property. Experts are confident that the Krylovsky real estate put up for auction will be in demand by buyers.
The Deposit Insurance Agency, which is the bankruptcy manager of the Krasnodar-based JSCB Krylovsky, which was deprived of its license, announced an open auction for the sale of the bank’s property on August 28. Information about the auction was published on the DIA Internet resource. Eight lots are up for auction total amount RUB 167.6 million The first lot with an initial cost of 4 million rubles. represents non-residential premises on the corner of Mira and Kirov streets in Krasnodar (68.5 sq. m.). The second lot with an initial cost of 29.8 million rubles. — non-residential premises (521.9 sq. m.) in the Sochi village of Dagomys. The lot also includes a video surveillance system, ATM, automatic fire alarm and other equipment in a former bank office. The third lot is an apartment (29.6 sq. m.) in Sochi and is offered at a starting price of 2 million rubles, the fourth is a non-residential building (483.2 sq. m.) and land plot(2493 sq. m) in the village of Krylovskaya for 38.2 million rubles. The fifth lot is a non-residential building (1133.3 sq. m) and a land plot (1047 sq. m) in the village of Tomilino, Moscow region, a prefabricated armored operating cash desk, land in settlements for an administrative office building and a bank branch. The starting price of the lot is 62 million rubles. The sixth lot is a non-residential premises (126.4 sq. m) in the city of Vidnoye, Moscow region with a starting price of 25 million rubles, the seventh and eighth are a black Lexus LS600H and a silver trailer with a starting price of 6.6 million rubles. and 21 thousand rubles. respectively.
General Director of the consulting company MACON Realty Group Ilya Volodko believes that real estate properties previously used by the bank are more attractive at auction than warehouse or industrial premises. First of all, according to him, this is due to the fact that banks always choose good locations for their offices: the city center, busy streets, good visualization and the main entrance. "IN in this case objects are liquid due to small areas and adequate market price behind square meter"- said the expert.
According to the SPARK-Interfax system, authorized capital Bank Krylovsky, registered in 1999 in Krasnodar, is 160 million rubles. The bank is 66.4% owned by Mikhail Ruzin, who also 100% owns Capital Holding LLC, which has a 6.2% share of the bank. Krylovsky's profit after taxes for 2015 amounted to 2.1 million rubles. The total volume of bank deposits amounted to 2.59 billion rubles. As of July 1 last year, the organization was in 360th place in the Russian banking system.
Earlier, Kommersant-Kuban reported that the Bank of Russia revoked the license of the Krylovsky Bank in early August 2017. According to the regulator, in 2017 the bank pursued an aggressive policy of attracting funds from individuals. “The formation of the necessary reserves for possible losses on actually missing assets revealed a complete loss of the credit institution’s own funds,” the Central Bank of the Russian Federation reported. In September of the same year, the Investigative Committee of the Investigative Committee in the region opened a criminal case of falsification financial documents accounting and reporting in JSCB Krylovsky in order to hide signs of bankruptcy. A case has also been opened regarding the theft of funds and property of the organization. Currently, preliminary investigations are underway in criminal cases.
In October 2017 Arbitration court Krasnodar Territory declared JSC JSCB Krylovsky bankrupt and introduced bankruptcy proceedings against it. As Kommersant wrote, shortly before this the bank returned about 6 billion rubles. off-balance sheet deposits, and also issued necessary documents, as a result of which almost 100% of depositors were able to qualify for insurance compensation, and this, according to the DIA, is about 21.2 thousand people. The Central Bank noted that the amount of liabilities to Krylovsky’s creditors amounted to 8.7 billion rubles. According to the DIA, as of June 1, 2018, 183.3 million rubles were allocated for settlements with creditors.
According to senior analyst at Freedom Finance Investment Company Bogdan Zvarich, citing the reporting of the provisional administration at the time of revocation of the bank's license, out of 8.7 billion rubles. funds of clients who are not credit institutions located in Krylovsky, 8.5 billion belongs to individuals and individual entrepreneurs and only about 200 million rubles. — legal entities (about 2.3%). "Probability of receiving legal entities funds are small, since they are the last in the queue of creditors,” the expert believes.