The first deputy chairman of the bank's board demanded 20 million rubles from the loan borrower...

A difficult situation with loan debt arose with Moscow businessman Denis Filippov. At the beginning of March, the first deputy chairman of the board of PJSC Moscow Credit bank“Dmitry Eremin seems to have begun to hint at the need to provide an eight-figure sum to solve problems with loan debt.

In May 2014, Filippov and his wife, as individuals, took out a loan from MKB for repairs country house, in July of the same year, the couple took out another loan for major renovation their Moscow apartment.. In the first case, the loan amount was about 14.5 million rubles until May 2019, in the second - 50 million rubles until July 2029.

AND Vacation home, and the Filippovs’ apartment were registered as collateral. The main borrower was the entrepreneur's wife, and he himself was the guarantor. It is noteworthy that the same bank also serviced companies owned by the family. The difficult economic situation of 2014-2015 could not but affect the family business; moreover, during this period the Filippovs had a third child and the entrepreneur’s wife was forced to retire for a while.

As a result, difficulties arose with servicing the loan, and overdue debt arose; procedures were initiated against Filippov pre-trial settlement. Employees of the collection department quite “persistently” reminded about the delay, which forced the entrepreneur to contact the bank to resolve the issue of debt restructuring. It seems that despite what was happening, the businessman continued to pay off his obligations to the creditor, and the possibility of restructuring was verbally agreed upon, but not documented.

Instead, representatives of the MKB appealed to the Khoroshevsky District Court of Moscow with a demand for unilateral termination loan agreement and foreclosure of pledged property. Filippov and his wife most likely never received any official notifications, but were probably invited by the Deputy Chairman of the Board of the MKB, Dmitry Eremin, to a meeting at which, apparently, he could offer the businessman to “solve the “problems” by paying a certain fine of 20 million rubles.

If you believe Fillipov, the “deal” was presented as a good deed, and then, it seems that Fillipov was even offered to buy out the bank’s troubled assets for the appropriate amount. As lawyer Nikolai Novikov explained, this could be a classic scheme for conducting “gray” money, not done by unscrupulous top managers of credit institutions, which is used in such cases.

The higher the position of the potential “businessman”, the fewer questions all the bank’s services have; not too much attention to the issue allows the business to be carried out as smoothly as possible, leaving the opportunity to maneuver and, in case of questions from the owners of the Credit Organization, to pass off their goal as good. "When any credit organisation decides to go all-in and “squeeze” his insolvent client, offers to buy “bad” illiquid assets are not uncommon. This is the standard scheme. In fact, it is not the bank that sells illiquid assets, but a third-party company.

Since the profitability of “toxic” assets is zero, this money is simply withdrawn from the shell LLC and the result is a semi-legal transfer of money through non-cash payments"- said the lawyer. On the topic Zhanna Friske's relatives were ordered to pay Rusfond more than 21 million rubles 1375 Zhanna Friske's relatives were ordered to pay Rusfond more than 21 million rubles The Perovsky District Court of Moscow ordered the relatives of the famous singer Zhanna Friske to return to Rusfond the amount of 21.6 million rubles that were collected for the treatment of the artist during a charity marathon.

Having received a refusal, Eremin apparently took advantage of his official position and froze activity on the accounts of companies that were not parties to the loan agreement. “Until February 2017, there were no ICD controversial situations on banking transactions and the current account did not arise, but after February 27, the bank, without explanation or notification, blocked both the personal bank cards of the Filippovs and suspended operations on the current account of his companies, and also blocked access to the Bank-Client system,” she explained entrepreneur's lawyer Ekaterina Valiulina.

The bank’s actions literally paralyzed the activities of companies and deprived borrowers of earnings and drove them into debt.” According to her, “attempts to implement Bank operations by submitting duly executed settlement documents on paper to the credit institution for execution, a refusal was also received. The bank manager who previously served the legal entity refused to accept the documents, citing verbal instructions from management.” I wonder if this is not the same odious Head of the organization, one of the elite of Russian banks, who continued systematic step-by-step pressure on the borrower? As a result, the company is unable to use the funds remaining in the account and suffers delays in fulfilling its obligations to counterparties. At the same time, it seems that with personal cards The bank unilaterally wrote off the borrowers the amount of 10.8 million rubles. According to Denis Filippov, until this moment, neither the family nor their companies had any problems with the bank itself.

Moreover, he does not deny the existence of problems with debt servicing and is ready to look for ways to resolve the situation, but within the framework current legislation and loan agreement. “We are not abandoning our obligations. But we are ready to resolve the issue on the terms of the agreement. After the bank's actions, the business suffered greatly. But you can always find a way out,” the entrepreneur believes. This option does not seem to be of much interest to the ICD. Filippov was contacted by one of the supposedly former high-ranking officials, probably related to the MKB, who, at a meeting with the businessman, proposed to normalize the situation, refuse to contact the prosecutor's office and the central bank, return the funds to the cards, consider issues of restructuring real estate debt, but again for 20 million rubles.

Having not received a positive response, after a short amount of time, legal proceedings were initiated on behalf of the bank regarding the debt. Court hearings, according to Filippov’s lawyer, are currently suspended, at least until mid-June, while examinations are being carried out to evaluate the collateral real estate. “The Filippov family, to which Dmitry Eremin and the people entrusted to him could actually cut off oxygen, are seeking independent assessment By market value, and not at a reduced rate,” Novikov explained.

The standard scheme for “squeezing out” collateral real estate looks like this: the value of collateral properties is underestimated by 50-70% and they take from the borrower not what he owes under the contract, but basically everything.” Based on these “requirements,” the borrowers have already submitted applications to the Meshchansky Interdistrict Prosecutor’s Office of Moscow and the Central Bank.

How often these days can you meet people who devote all their strength to achieving their goals? They constantly work on themselves and make every effort to help purposeful people, helping them implement their plans. These heroes have existed at all times, however, they often do not like to talk about themselves, remaining in the shadows. Dmitry Aleksandrovich Eremin is just such a person, since throughout his life he managed to accomplish many amazing things that motivate others to action and rapid development in their chosen field of activity. Literally every new step he takes is a daring challenge to his own destiny, but from all such battles this man emerges victorious. He is always ready for new challenges and is happy to rush into the next battle.

Dmitry Aleksandrovich Eremin was born on December 14, 1978 in Moscow. He is completely convinced that it is this city that promotes motivation for new achievements. This city is famous for its love for the strong and successful people, and Eremin intended to become just that. IN Last year While studying at school, our hero had a choice as to which institute he should enroll in. Then Dmitry decided to study where he would have the opportunity to use his thirst for knowledge. As a result, he entered the Academy Federal service security of Russia.

Studying was easy for him, so no problems arose. Dmitry actively took part in All-Russian Olympiads, received many awards for first and second places. Soon he began to think about his own future, and chose the MKB company as his main job. It is noteworthy that there was no specialty in information security at all, but Eremin would have been confident that this company would be the key to his successful future and would allow him to develop by solving complex problems.

Already in 2002, Eremin successfully completed his studies at the Academy and was hired by the ICB. He immediately felt that the work was unusual for him and required a lot of effort on his part, and he was always famous for his love of solving non-standard problems. After some time, this work became very simple for Dmitry, so he took the place of head of the sales department, bringing MKB Bank more than 20 million new contracts per month. The understanding immediately came that there was a lack of knowledge in business, so Eremin was worried about failure in this field of activity. He immediately decides to get a second education, but studying and working at the same time is a rather difficult task, but quite feasible for our hero.

Already in 2003, Dmitry received a diploma in the specialty “Finance and Credit”. The new education made it possible to take a higher position, and now he becomes deputy director of the sales department. The volume of work began to increase, the demands from management became stricter, so there was practically no free time. Eremin coped with his duties excellently, worked quickly and efficiently, so already in 2012 he became chairman of the board of the Moscow Credit Bank.

While working, Dmitry constantly paid attention to his junior colleagues, holding meetings with them where he talked about the principles of doing business. Even then he was obsessed with the idea of ​​creating the most convenient bank for clients, therefore he actively participated in the development of software for operational work with borrowers and depositors. Dmitry was proud of what he did and made every effort to ensure that the company always remained competitive. It was thanks to the activities of this person that the company became popular in the factoring markets.

This led to the creation by MBK of a new product - non-recourse factoring for debtors belonging to the segment of not only small but also medium-sized businesses. It was possible to develop a progressive program for financing medium and small businesses. There is no doubt that Dmitry Eremin turned out to be an extremely useful employee for his company. It took a little time for him to significantly increase the bank’s profits, and it was thanks to him that the company regularly received good bonuses for employees. Competitors did not have a chance to beat the company, as new strategies were constantly being developed, bringing many new clients to MKB.

The level of service was high, so customers became regulars. In just ten years, the company began to enjoy considerable popularity and began to participate in charity events, the organizer of which was also Dmitry Eremin. He also became known for his responsiveness, so he could not help but participate in the development of a fund to help children. He acted as one of the general sponsors of a charity event called “Hurry to Do Good,” the basic essence of which was to provide comprehensive assistance to the Sochi children's institution. With special emphasis on the fact that children are the future of our country, he promised that he would provide financial assistance promotions and children's hospitals.

Colleagues constantly noticed Eremin’s incredible perseverance and patience when he was doing his work. He is extremely interested in ensuring that all the tasks he undertakes are solved with the highest possible quality, and that clients remain satisfied with the level of service. He paid a lot of attention to studying the work of competitors, conducted analyzes of the activities of the ICB, and then drew appropriate conclusions. This allowed the bank’s total profit to increase monthly, customer service became more efficient, and the company’s popularity grew at an incredible pace. Repeatedly he motivated not only his colleagues, but also competitors to further development. Of course, Dmitry Eremin managed to make an invaluable contribution to the development of the MKB company.

In 2018, Dmitry decides to leave his post and change jobs. Perhaps this was due to his constant desire to develop and face new life difficulties. Dmitry is a man of intelligence, so he was not able to deal with typical problems for a long time. He noted that working for the MKB company was the best for him, but he needed development and mastery of new skills. This led to Eremin giving the position he had held for a long time to his colleague Pavel Shevchuk and leaving for another place of work. Dmitry is absolutely sure that in the future his dream job will await him, which will give him the opportunity to work for his own pleasure.

First Deputy Chairman of the Board of Moscow Credit Bank Dmitry Eremin is suspected of large-scale extortion.

Scandals in banking sector arise regularly - high-profile resignations, fraud, extortion involving bankers time after time become the object of close attention from the press. Nevertheless, some representatives of the banking community continue their frauds, however, taught by the bitter experience of their unsuccessful predecessors, they try to give their illegal actions maximum legitimacy.

The story of how the deputy chairman of the board of Moscow Credit Bank (MCB) Dmitry Eremin extorted quite a large sum Businessman Denis Filippov has confirmation of this.

Denis Filippov and his wife have a family business and own several companies. In May 2014, the couple took consumer loan in the amount of 14.5 million rubles in the MKB for a period of five years. Funds were needed to repair a country house. A couple of months later in the same bank they issued additional credit, but for 50 million for a period of 15 years and also for renovation, but this time of a Moscow apartment. Both the apartment and the house are in signed documents consumer lending appeared as objects of collateral. According to the documents, Filippov’s wife was listed as the main borrower; he himself acted as a guarantor. It should be noted here that the bank accounts of the family couple’s companies were also serviced by MKB.

The economic crisis of 2014-2015 seriously hit the family business. In addition, just by this period the couple had another child, and the entrepreneur’s wife temporarily suspended business activity, which also did not have a positive effect on the state of affairs of the Filippovs’ business. The above reasons led to the fact that late payments began to occur on loans. As is known, in such cases the bank uses a pre-trial settlement mechanism, verbally or in writing reminding the borrower of the need to resume regular payments. Due to the fact that Denis Filippov was unable to find an opportunity to service loans for original conditions, he approached the bank with a request to restructure the debt. The possibility of such a restructuring was agreed upon at the bank, but only verbally; it was never documented.

A remarkable fact is that the Filippov couple did not receive official notifications from the bank. However, after some time, the businessman was invited to a private conversation with Dmitry Eremin. It was here that a proposal was made to “solve the “problems” for 20 million rubles. True, there was no talk of any bribe, everything was much more interesting - Eremin offered Filippov to buy out the troubled assets of MKB for the above-mentioned amount.

Lawyer Nikolai Novikov characterized such a case as the use of the classic “gray” scheme Money. “In the event that a credit institution decides to go all-in and “squeeze” its insolvent client, offers to buy “bad” illiquid assets are not uncommon. It turns out that the sale of illiquid assets is carried out by an outside company, and not by the bank itself. Since the profitability of “toxic” assets is zero, this money is simply withdrawn from the front company and the result is a semi-legal transfer of money by bank transfer,” the lawyer explained.

Denis Filippov decided not to get involved with the banker’s dubious proposal, after which Eremin decided to switch to total pressure tactics - activity on the accounts of Filippov’s companies serviced by the ICB was frozen. The same fate befell bank cards spouses.

“Until February 2017, no unsolvable situations with MKB regarding banking operations and current accounts arose, but after the 27th of this month, the bank, without explanation or any notification, blocked personal bank cards the Filippov couple, suspended operations on the current account of the businessman’s companies, and also blocked access to the Bank-Client system,” commented the businessman’s lawyer Ekaterina Valiulina.

It turns out that the actions of the ICB caused the almost complete cessation of the companies’ activities and deprived borrowers of the opportunity to earn money, including for settlement of contracts with the bank. The lawyer notes that Filippov tried to carry out banking transactions in the MKB itself through documents on paper, but received an unmotivated refusal. It is noteworthy that the personal specialist of MKB, who was engaged in servicing Filippov’s companies, did not even accept paper documents, informally explaining that he was acting on the verbal instructions of his management.

As a result, Filippov’s company, which did not have the opportunity to function normally, began to have difficulties in interacting with its counterparties, which also apparently was one of the components of the banker’s pressure tactics.

In parallel, the bank personally withdrew funds from the spouses’ personal cards for total amount 10.8 million rubles. According to Denis Filippov, before that, neither his family nor the companies had any conflicts with MKB. The entrepreneur admits that there is a problem with paying off loan debt and is ready to sit down at the negotiating table with a bank representative to jointly find a way out of this situation that suits both parties. However, the entrepreneur insists that the new agreement be concluded strictly within the framework Russian legislation and an existing loan agreement. “We do not abandon our obligations. However, we are ready to resolve the issue solely on the terms of the agreement,” said Denis Filippov, being confident that a way out of the situation is always possible, especially if both parties really strive for this. However, representatives of the ICD were apparently not at all happy with this decision.

However, the bank still decided to meet its client halfway, but how it did it makes you wonder. A representative of the bank, who identified himself as the former vice-president of MKB, tried to negotiate with Filippov - he made an attempt to persuade the entrepreneur to compromise, while persuading the businessman not to escalate the situation and refuse to appeal to the prosecutor's office. He made it clear that he was speaking on behalf of Eremin and promised that the spouses would even return the funds previously written off to their bank cards and begin negotiations on debt restructuring, but this favor would “cost” the same 20 million rubles. Filippov refused.

In response, MKB went to court, demanding to repay the debt of the Filippov family in in full. As lawyer Nikolai Novikov said, now his clients insist on an independent examination, which will assess the market value of the apartment and house, and not at a deliberately low rate. Novikov explained that banks usually try to deliberately lower the cost of collateral, and in some cases they manage to reduce the price by 50-70%.

At the same time, the Filippov spouses filed relevant statements about the incident of extortion to the Meshchansky Interdistrict Prosecutor's Office of Moscow. They also reported the blatant case of the banker’s activities to the Central Bank of the Russian Federation.

(Based on media materials)

Eight out of 10 members of the board of the Moscow Credit Bank (MCB) received shares in its capital, it follows from the bank’s materials. The owners of the blocks of shares were the deputy chairman of the board Alexey Kosyakov, Andrey Kryukov, Alexey Stepanenko and Daria Galkina, as well as the first deputy chairman Dmitry Eremin, director of the financial department Elena Shved, head of the risk directorate Anton Virichev and Chief Accountant Svetlana Sass. Based on MKB share prices, the cost of the packages purchased by them ranges from 130,000 to 2.7 million rubles. For now, the board of directors of MKB, Vladimir Chubar, and the board of directors of the subsidiary bank SKS, Yuri Ubeev, remain without packages.

All members of the MKB board decided to invest part of their annual bonuses in its securities, explains Chubar. In addition, the bank paid more than 200 middle managers an additional incentive - a fixed amount in addition to annual bonuses and offered to invest part of it in MKB shares. According to him, this allowed the bank to avoid legal difficulties and additional expenses related to the organization of an option program, and offer employees real, and not “phantom” (as in the case of an option - Vedomosti) shares, the quotes of which can be tracked in real time. This allows employees to understand how their work affects the state of affairs in the bank, Chubar is convinced. He himself has not yet decided which package he will purchase.

There is something to buy

In 2016, MKB's personnel costs increased to 7.7 billion rubles, as follows from the bank's IFRS reporting (in 2015 they amounted to 5.51 billion rubles).

All employees, including top managers, bought shares at market price, continues Chubar. As a result, less than 1% of the bank's capital came under the control of MKB managers. This is the first time that MKB has offered equity participation to managers, he says, but from now on it plans to do so “at least annually.”

As a rule, 2-3% of the company's shares are distributed among managers, says Executive Director Association of Professional Investors Alexander Shevchuk. The MKB scheme is simpler than the traditional option program, which involves the creation of a closed-end mutual fund, which is managed by an independent manager. With an option, staff receive more guarantees, he continues: obligations are documented, upon achievement of which bonuses are guaranteed to management. In the case of MKB, the decision remains with the bank. The advantage of such a scheme for managers is that they have already become shareholders, says Shevchuk, but in the West it is common to return previously paid amounts when cases of fraud or inflated KPIs on their part are detected.

Shareholder compensation schemes in Russian private companies are much less common than in the West, says Alexander Maslyuk, senior consultant at Korn Ferry Hay Group. He attributes this to gaps in legislation and a small number of public companies - large holdings are often registered in Cyprus or Malta, which complicates the registration of ownership of shares and shares. Therefore, most often in Russia, top executives receive a share in profits, but not in ownership, he summarizes. The scheme that was used in MKB - a deferred bonus - is often used in the West, he says: “Its point is to enable top managers to purchase shares and thereby become more loyal to the company in the long term. What makes the situation somewhat more piquant is the fact that MKB invited top executives to choose for themselves how many shares to buy. This allows the owners to at the same time “measure” the manager’s degree of confidence in the company and loyalty to the owners. In this case, those who buy little or do not buy at all will fall under the shadow of suspicion that they do not want to continue working in the bank and developing it.”