On August 2, the day compensation began to be paid to Arksbank depositors, we wrote about the blatant discrepancy, of course, to a lesser extent, between the amounts of insurance payments and the size of deposits. What new has happened since then?

On August 11, the DIA website announced the start of payments to depositors who filed a statement of disagreement with the amount insurance compensation. The report states that 539 claims have currently been processed. total amount 534 million rubles. During the first 4 days of compensation payments, more than 20 thousand statements of disagreement were filed.

The DIA can process about a thousand applications every day, so, according to the DIA, the entire process will take about 1.5 months. The status of a specific application can be tracked at. That's all, actually. You submitted a statement of disagreement and within a month and a half (and not 14 days, as prescribed in the DIA law) and are waiting insurance compensation. Provided that you have kept all documents confirming your relationship with the bank.

We would like to dwell on what happened after August 2, the day compensation began to be paid. We are not the only ones who doubt the reliability of the information about the reasons for the discrepancy between the amounts in the register of payments for Arksbank and the actual amounts of deposits. The article examines in detail the situation with Arksbank, expressing the same doubts about the nature of what happened as in our article of August 2.

I would like to note one more interesting fact. As a rule, when any kind of fraudulent schemes are discovered, various regulatory and law enforcement agencies publish information about what happened. In our case, there is complete ignorance and oblivion of what happened (in any case, we know nothing), no loud revelations, no names, no size of the hole in the balance sheet...

So, what are the consequences of what happened:

1. Depositors understand that THIS can happen now when paying compensation to ANY bank. Perhaps this is an attempt to teach the so-called serial investor a lesson.
2. A delay in the payment of insurance compensation by a month, taking into account the legal 14 days, leads to at least a loss of 1.2-15% per annum, which makes the search more profitable deposits meaningless.
3. For a number of depositors, this story may even discourage them from bringing money to the bank.

Who benefits from all this? Firstly, large banks, first of all to our respected agent bank. After such shocks, many will want to leave their money with him.

Secondly, to the DIA itself, which will “spin” the money of Arksbank depositors within 1-1.5 months, and will also reduce further costs for paying future compensation.

Surprisingly, from our point of view, this story is not beneficial to the Central Bank, as it undermines citizens’ trust in banking system countries.

There is an emerging confrontation between the Central Bank and the DIA. Recently the Central Bank

On August 2, the Deposit Insurance Agency begins paying insurance compensation to depositors of the capital's Arksbank, which has the Central Bank on July 19 of this year. Payments will be made through more than 300 Sberbank branches.

Accepting applications for insurance payments and other necessary documents, as well as the payments themselves are made through the agent bank in the period until August 2, 2017, and the DIA will inform you additionally about payments after this date. According to the law, payment of compensation for deposits is carried out during the entire period of liquidation of the credit institution.

The depositor has the right to contact any department of the agent bank listed on the DIA website. Payment of compensation will be carried out in six constituent entities of the Russian Federation: Moscow, Moscow, Belgorod, Vologda, Voronezh and Chelyabinsk regions.

The investor can apply for payment of compensation either personally or through his representative, whose authority must be confirmed by a notarized power of attorney.

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. Compensation for business accounts can only be received to a similar account in another bank that is part of the deposit insurance system, and for ordinary deposits - also in cash. 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); You can file a claim against the debtor bank immediately at the agent bank branch. According to the account in foreign currency insurance compensation is calculated in rubles at the Bank of Russia exchange rate on the day of license revocation. If there are counterclaims from the bank to the depositor, their amount is deducted from the amount of accounts (deposits) when calculating the insurance compensation, but the counterclaims are not repaid.

Let us note that in the message about settlements with Arksbank depositors, the DIA did not provide, as is usually the case, an assessment of the volume of payments in accordance with the register of bank liabilities. Earlier on Monday, the Central Bank reported that Arksbank management carried out off-system accounting of accepted deposits and falsified data on the amount of real obligations to individuals, and all this happened under the conditions of restrictive measures imposed by the regulator. In addition, accounting and other documentation on the bank’s assets and liabilities was not transferred to the provisional administration.

The DIA clarifies that for now it is paying compensation for deposits in accordance with the register of obligations of the credit institution, which is currently formed on the basis of data accounting and official reporting of Arksbank received by the Central Bank.

However, in the event of disagreements regarding the amount of compensation to be paid or the incomplete amount of the deposit, or related to the lack of information about the depositor in the register, the depositor can submit a statement of disagreement to the agent bank for transmission to the DIA or independently send such a statement to the agency by mail with attached copies of existing primary documents, confirming the validity of the depositor’s requirements (agreement bank deposit/account, receipt cash order etc.), as well as copies of your passport. In this case, depositors will be able to immediately receive compensation in accordance with the original register, and after consideration additional documents- the remaining amount. Applications will be considered in the order they are received, with mandatory informing of depositors about the stage of their consideration on the official website of the DIA and via SMS.

“The Agency asks for your understanding of the possible increase in the period for consideration of applications and will accept all necessary measures to organize the payment of insurance compensation in a minimum possible timing“, says the DIA message for banking clients.

17.08.2016

Arksbank depositors met with the director of the DIA bank deposit insurance department, Alexey Abramov, after a picket near the building of the state corporation.

As a Banki.ru correspondent reports, among the picketers were both off-balance sheet depositors of the credit institution and those dissatisfied with the insufficiently fast payment of compensation.

Abramov stated at the meeting that as of today, 4 thousand Arksbank depositors have received payments. In total, about 28 thousand depositors of the credit institution submitted documents to the DIA to receive compensation. Currently, payments are being made to those who submitted an application to Sberbank, the agent bank for payment of compensation, on August 2.

“Currently 1,350 applications are in the temporary administration of Arksbank, we hope that payments on them will go out tomorrow,” Abramov noted.

According to him, on August 2, 10 thousand people submitted applications to Sberbank. By August 24, the DIA plans to pay off deposits with depositors who contacted Sberbank on August 2. As for Arksbank’s off-balance sheet depositors, they will receive the real amount of their deposits as compensation, Abramov assured.

“We can start paying only on the basis of the deposit documents that you yourself provide to us, and not the bank. Don’t worry, we will restore the deposits according to your documents,” Abramov reassured the depositors present.

He noted that the Central Bank is already making efforts to improve control over the registers of bank deposits and will try to prevent a repetition of the schemes that took place at Arksbank.

« Arksbank is a new generation financial schemes, which neither we nor the Central Bank have encountered so sophisticatedly. But now we know about it and are working on it,” Abramov admitted.

The DIA will complete operations on Arksbank in one and a half to two months, Abramov said. “No one has received a refusal to pay, and if someone writes on the Internet that they have received a refusal, then, I emphasize, this is a lie,” he said.

At the same time, those who gathered for the picket organized a collection of signatures for an appeal to the President of Russia and the Prosecutor General’s Office. “We were all deceived and were not included in the register. We want people there to know about this fraud,” said one of the picket participants.

For her part, the representative of the initiative group of Arksbank depositors, Tatyana Krutokhvostova, said that the meeting of Arksbank depositors at the DIA is not in the nature of a rally. “Our most important task is to provide information to investors. Initiative group“I have set myself the task of getting everything that is due to each of us legally and not allowing it all to turn into a spontaneous process with unauthorized actions that will harm everyone,” she said.

According to her, there have been no refusals of compensation from the DIA. Mostly people with deposit amounts above 1 million rubles came to the meeting, Krutokhvostova clarified. As noted by a representative of Arksbank depositors, no later than tomorrow, a response from the DIA to depositors’ questions posed to the state corporation is expected.

State Corporation The Deposit Insurance Agency (hereinafter referred to as the Agency) informs that the Agency and the temporary administration for the management of JSC Arksbank (hereinafter referred to as the Bank) continue to work to restore missing information about open accounts(deposits) of citizens affected by fraudulent actions of Bank employees. In order to protect the rights of depositors, the information in the register of insurance payments (hereinafter referred to as the Register) is clarified out of court, on the basis of supporting documents provided by depositors.

In accordance with the established procedure, by the end of September 2016, all actual depositors of the Bank will be returned funds within the limits of insurance compensation guaranteed by law - 1.4 million rubles.

As of August 30, 2016, the Agency registered applications from 27,103 depositors, and 13,861 depositors were accepted positive decisions on making changes to the Register in the amount of RUB 13,211 million.

The Agency uses all legal and organizational possibilities to speed up the resolution of problems of the Bank's depositors. To reduce the time required for registration and consideration of statements of disagreement, as well as the organization of payments, the Agency has significantly increased the number of employees involved in processing documents. Work is underway to optimize the information service for tracking the status of an application for disagreement with the amount of insurance compensation.

At the same time, the Agency was faced with cases of duplication of received statements of disagreement with the amount of insurance compensation. This significantly complicates the work of the Agency, slows down the speed of processing documents and, accordingly, making decisions on making changes to the Register. In this regard, the Agency asks the Bank's depositors to refrain from submitting duplicate statements of disagreement with the amount of insurance compensation without appropriate written requests from the Agency.

Additional information on the procedure for paying insurance compensation can be obtained by investors by phone hotline Agencies (8-800-200-08-05) and PJSC Sberbank(8-800-555-55-50), as well as on the official website of the Agency in the section “Deposit Insurance/Insured Events/Arksbank (JSC)”.

Let us remind you that Arksbank had a license on July 19, 2016, and settlements with depositors started on August 2 through Sberbank. At the same time, the Central Bank reported that the bank’s management carried out non-systemic accounting of accepted deposits and falsified data on the amount of real liabilities to individuals. The Vedomosti newspaper, citing its sources, wrote that Arksbank, with the help of a special software hid 35 billion rubles of off-balance sheet deposits from the regulator (in its reporting as of July 1, Arksbank reflected household funds at 3.9 billion rubles, but in fact its liabilities to depositors amounted to about 39 billion).

Moscow. 11th August. website - The Deposit Insurance Agency (DIA) on August 11 began paying insurance compensation to Arksbank depositors who filed statements of disagreement with the amount of compensation, the DIA press release says.

“Every day, the agency processes about a thousand applications from depositors who disagree with the amount of compensation. Taking this into account, it is expected that in general the process of restoring the register and paying compensation to depositors who filed statements of disagreement will take about a month and a half,” the statement says.

Currently, the register of insurance payments includes the claims of 539 bank depositors who filed statements of disagreement, totaling 534 million rubles.

In the first four days, Sberbank, acting as an agent bank, received more than 20 thousand applications from Arksbank depositors, which are sent to the agency for processing as they are received.

The agency and the temporary administration for managing the bank continue to work to restore missing information about open accounts (deposits) of citizens affected by fraudulent actions of bank employees, in order to enter information about depositors into the register and pay them insurance compensation, the DIA notes.

As previously reported, the temporary administration for the management of Arksbank identified fraudulent activities with deposits of individuals. Under the conditions of restrictive measures introduced by the Bank of Russia, the management of Arksbank, abusing their existing powers, carried out non-systemic accounting of accepted deposits and falsified the submitted data on the amount of real liabilities to individuals.

At the same time, the management of Arksbank resisted the temporary administration, which was expressed in the failure to transfer accounting and other documentation regarding the bank’s assets and liabilities.

The Central Bank of the Russian Federation has been at Arksbank since July 19. Arksbank's activities were focused on attracting Money population and their placement in assets of unsatisfactory quality. Wherein credit organisation did not create adequate reserves for possible losses. Moreover, despite the introduced supervisory authority restrictions on attracting funds from individuals, Arksbank continued to pursue an aggressive policy to attract deposits.

The DIA reported that a decision had been made to restore the bank’s accounting records on the basis of copies of primary documents available to depositors, confirming the validity of their claims. When applying for payment of insurance compensation to an agent bank, depositors who do not agree with the amount of compensation must fill out a statement of disagreement with the amount of compensation for deposits and provide copies of available primary documents confirming the validity of the depositor’s claims: bank deposit (account) agreement, cash receipt warrants, etc., as well as a copy of the passport.

At the end of the first half of 2016, Arksbank ranked 265th in terms of assets in the Interfax-100 ranking. In terms of the volume of funds from individuals, the bank ranked 212th (3.95 billion rubles).