PJSC "United Credit Bank" - average in terms of assets regional bank, registered in the city of Yaroslavl. Until March 2014 it operated under the name “Oksky”. The bank has branches in Moscow and the Nizhny Novgorod region, where it was “registered” until 2009. The main activity of the bank is lending corporate clients, half of which are small and medium-sized businesses, and individuals. The key sources of funding for a credit institution are time deposits individuals. The Bank maintains a significant amount of investments in bonds, a significant portion of which is used to attract liquidity in repo transactions with the Central Bank.
The bank was formed at the end of 1990 in the form of a share bank called "Oksky" in the Nizhny Novgorod region. In the first half of 1998 it was transformed into a closed Joint-Stock Company. During its history, the financial institute has changed owners more than once, among which it is worth noting LLC CB Gazenergoprombank, OJSC Nizhegorodoblgaz, individuals Vladimir Yuritsyn and Yuri Salyatov. Until the end of 2009, the blocking stake in the bank was controlled by business partners Alexey Alyakin and Alexey Rashchupkin (both finally left the shareholders in the second half of 2010). In the same 2009, the head office of the credit institution moved from Dzerzhinsk, Nizhny Novgorod region, to the city of Aleksandrov, Vladimir region (previously, the bank had opened a branch there since 2006). In mid-2010, Dmitry Agramakov appeared on the list of affiliates of the bank with a minority stake in the authorized capital. By May 2011, Dmitry Agramakov’s share increased to 41.83%, but subsequently did not exceed 30%. In July 2013, the press service of the Ministry of Internal Affairs reported the discovery of a large underground group of bankers involved in illegal cashing Money. According to the Vedomosti newspaper, the list of main banks that took part in the cash-out scheme included: Mast-Bank, Intercapital and Oksky Bank. At various times, Alexey Alyakin acted as a minority shareholder in all three banks. In turn, Dmitry Agramakov was on the board of directors of Mast Bank and was a shareholder of Intercapital. A month after the news, Oksky Bank announced on its website that Dmitry Agramakov (who was at that time a suspect in the case of underground bankers) had sold his entire stake in Oksky Bank. Mr. Agramakov also left the board of directors of Mast-Bank. In March 2014, Oksky Bank changed its name to OJSC United Credit Bank (abbreviated to OJSC O.K. Bank). In April of the same year, the bank changed its chairman of the board, becoming Vyacheslav Zabotin, one of the three largest shareholders of the bank. In February 2015, the bank's head office moved from the Vladimir region to the city of Yaroslavl. In 2014, the bank was brought to administrative responsibility three times for failure to comply with the requirements of the legislation on combating the legalization (laundering) of proceeds from crime and the financing of terrorism and was fined once.
The bank was founded at the end of 1990 in the form of a share bank under the name "Oksky" in the Nizhny Novgorod region. In the first half of 1998 it was transformed into a closed joint stock company. During its history, the financial institute has changed owners more than once, among which it is worth noting LLC CB Gazenergoprombank, OJSC Nizhegorodoblgaz, individuals Vladimir Yuritsyn and Yuri Salyatov. Until the end of 2009, the blocking stake in the bank was controlled by business partners Alexey Alyakin and Alexey Rashchupkin (both finally left the shareholders in the second half of 2010). In the same 2009, the head office of the credit institution moved from Dzerzhinsk, Nizhny Novgorod region, to the city of Aleksandrov, Vladimir region, where the bank’s branch operated since 2006. In mid-2010, Dmitry Agramakov joined the bank's affiliates with a minority stake in the authorized capital. By May 2011, Dmitry Agramakov’s share increased to 41.83%, but subsequently did not exceed 30%.
In July 2013, the press service of the Ministry of Internal Affairs reported the discovery of a large underground group of bankers involved in illegal cash withdrawals. According to the Vedomosti newspaper, the list of main banks that took part in the cash-out scheme included Mast-Bank, Intercapital and Oksky Bank. At various times, Alexey Alyakin acted as a minority shareholder in all three banks. In turn, Dmitry Agramakov was on the board of directors of Mast-Bank and was a shareholder of Intercapital. A month after the news appeared, Oksky Bank announced on its website that Dmitry Agramakov (who was at that time a suspect in the case of underground bankers) had sold his entire stake in Oksky Bank. Mr. Agramakov also left the board of directors of Mast-Bank.
In March 2014, Oksky Bank changed its name to OJSC United Credit Bank (abbreviated as OJSC O.K. Bank). In April of the same year, the bank changed its chairman of the board, becoming Vyacheslav Zabotin, one of the three largest shareholders of the bank. In February 2015, the bank's head office moved from the Vladimir region to the city of Yaroslavl.
In 2014, the bank was brought to administrative responsibility three times for failure to comply with the requirements of the legislation on combating the legalization (laundering) of proceeds from crime and the financing of terrorism and was fined once.
From March to June 2017, the composition of shareholders of the United Credit Bank has undergone significant changes: in just three months, a third of the shareholders in the credit institution have changed. On May 30, 2017, the head of the credit institution, Vyacheslav Zabotin, reduced his stake from 19.9% to 9.9%. At the same time, Lyubov Yakubovich became a shareholder with an almost 10 percent stake. Earlier, in mid-April, Elena Kavryzhenko completely sold her stake (9.99%) and Diana Lutovinova acquired the same stake in the bank. A month earlier, in mid-March, Vladimir Lednev sold his 9.94% stake. At the same time, Irina Shakhrai had a similar share.
As a result, according to the latest available data as of June 5, 2017, the two shareholders with the maximum shares (19.86% and 19.90%) in the bank’s capital are two members of the bank’s board of directors - Ivan Korotin and Sergei Trubnikov, respectively. A 9.91% stake in the credit institution also belongs to its chairman of the board, Vyacheslav Zabotin. In addition, the chairman of the board of directors of the bank, Alexander Mikhalchuk, and Irina Shakhrai hold similar shares (9.94% each). Another 10.1% of the organization belongs to Airat Absalyamov, and 9.99% each belongs to Lyubov Yakubovich and Diana Lutovinova.
The bank's head office is located in Yaroslavl. In addition to it, the network of divisions includes two operational offices and one operational cash desk outside the cash desk in Moscow, one operational office in Aleksandrov (Vladimir region) and a branch in Dzerzhinsk ( Nizhny Novgorod Region). The average number of bank staff during 2016-2017 was 186 employees. The company's own ATM network is not developed.
In the offices of the financial institution, private clients are offered loans (consumer, mortgage, car loans and credit cards), deposits, bank cards MasterCard systems and Visa, Money transfers(including through the Leader, Contact, Western Union And " gold Crown"), payment of utility and other bills, currency exchange and individual safes.
Corporate clients and individual entrepreneurs available settlement and cash services, loans and bank guarantees, salary projects, currency operations, merchant acquiring, collection and safe deposit boxes. Both legal entities and individuals are also offered remote Internet banking services.
Among the bank's clients, such enterprises of the Vladimir region as OJSC Avtobaza No. 3 and OJSC Iskra were previously noticed. The bank's main borrowers in terms of corporate lending today are representatives of small and medium-sized businesses operating in such segments as trade, construction, real estate operations, etc. sectoral structure The bank's corporate client obligations are dominated by financial and investment organizations, as well as companies and enterprises of trade and transport.
Based on the results of the first nine months of 2017, the credit institution’s assets showed a slight increase (+3.3%) and as of October 1 amounted to 16.0 billion rubles. Behind specified period In liabilities, attracted interbank credits showed significant growth (+81.1%), and funds from enterprises and organizations also showed positive dynamics. The increase in these liabilities made it possible to compensate for the reduction in capital (-10.1%) and a small outflow of individual deposits (-6.1%). In assets, despite the insignificant dynamics during the period under study, noticeable structural changes. The growth of loans to individuals (+445.6 million rubles, or +13.4%) compensated for the decrease in the loan portfolio of legal entities (-321.5 million rubles, or -17.5%). In turn, a slight increase in the securities portfolio (+566.9 million rubles) and an almost sevenfold increase in fixed assets (+244.4 million rubles) occurred simultaneously with a reduction in other assets by more than a third (-483.8 million rubles).
More than 60% of the credit institution's liabilities are formed by client funds with a predominance of deposits from individuals (38.2% of liabilities, mainly deposits with a maturity of one to three years). Funds from corporate clients (a quarter of liabilities) are mainly represented by deposits with a maturity of three to six months and subordinated loans. Attracted interbank loans, represented by short-term loans from Russian banks, account for 12.3% of liabilities. The remaining part of the loans is presented own capital, the sufficiency of which, in accordance with the N1.0 standard, exceeded 13% (with a minimum level of 8%). The capital includes a subordinated loan in the amount of 1.1 billion rubles at the residual value. Fixed capital adequacy (N1.2), which does not include the subordinated loan, is 9.1% with a minimum of 6.0%.
The bank's client base is small, but quite stable; monthly turnover on accounts of the client base has averaged 2.0-2.5 billion rubles since the beginning of 2017.
As of October 1, 2017, the asset structure is dominated by a portfolio of securities with a share of 54.4%. On loan portfolio accounts for a third of assets, highly liquid funds occupy 5.6%, fixed assets and items of other assets - 4.9%.
Securities portfolio - 8.7 billion rubles. Two-thirds of the portfolio is represented by bonds transferred to reporting date in the repo. Another third is formed mainly by bonds Russian companies(JSC Russian Railways, LLC Transbaltstroy, PJSC NK Rosneft and other issuers, according to explanatory information to the bank's reporting as of October 1, 2017). Trading activity in the portfolio is traditionally very high, the main volume of transactions falls on Eurobonds, with which the bank carries out repo transactions. Behind recent months turnover on repo transactions amounted to 27-41 billion rubles.
Loan portfolio - 5.3 billion rubles, 72% represented retail lending, although at the beginning of 2016 loans to legal entities exceeded in volume retail loans. The share of overdue debt has increased slightly since the beginning of 2017 - from 4.3% to 5.1%. The provisioning level has increased accordingly and more than doubles the arrears at 11.5%. Traditionally, there is a fairly low collateralization of loans with property as collateral (28.0% of the portfolio). The bulk of loans to enterprises and organizations were issued for terms from six months to one year, and retail loans were provided mainly for terms of over three years.
In the interbank lending market, the bank in most cases acts as a net borrower. Until mid-2016, it attracted the missing liquidity mainly from the Central Bank of the Russian Federation through repo transactions; since mid-2016, commercial banks have been the main creditors.
The bank maintains high activity in the market foreign exchange transactions. Turnover by conversion operations since the beginning of 2017, the average amount was 30-70 billion rubles per month.
Based on the results of the first nine months of 2017, the bank slightly reduced its loss compared to same period 2016 - 96.1 million and 128.6 million rubles, respectively. Net profit for the entire 2016 amounted to 58.8 million rubles.
Board of Directors: Alexander Mikhalchuk (chairman), Ivan Korotin, Sergei Trubnikov, Vadim Goncharov, Sergei Berezovsky, Pavel Yakubovich.
Governing body: Amiran Akhmetshin (acting chairman), Elena Steksova, Nikolai Polunin.
The bank was founded at the end of 1990 in the form of a share bank under the name "Oksky" in the Nizhny Novgorod region. In the first half of 1998 it was transformed into a closed joint stock company. During its history, the financial institute has changed owners more than once, among which it is worth noting LLC CB Gazenergoprombank, OJSC Nizhegorodoblgaz, individuals Vladimir Yuritsyn and Yuri Salyatov. Until the end of 2009, the blocking stake in the bank was controlled by business partners Alexey Alyakin and Alexey Rashchupkin (both finally left the shareholders in the second half of 2010). In the same 2009, the head office of the credit institution moved from Dzerzhinsk, Nizhny Novgorod region, to the city of Aleksandrov, Vladimir region, where the bank’s branch operated since 2006. In mid-2010, Dmitry Agramakov joined the bank's affiliates with a minority stake in the authorized capital. By May 2011, Dmitry Agramakov’s share increased to 41.83%, but subsequently did not exceed 30%.
In July 2013, the press service of the Ministry of Internal Affairs reported the discovery of a large underground group of bankers involved in illegal cash withdrawals. According to the Vedomosti newspaper, the list of main banks that took part in the cash-out scheme included Mast-Bank, Intercapital and Oksky Bank. At various times, Alexey Alyakin acted as a minority shareholder in all three banks. In turn, Dmitry Agramakov was on the board of directors of Mast-Bank and was a shareholder of Intercapital. A month after the news appeared, Oksky Bank announced on its website that Dmitry Agramakov (who was at that time a suspect in the case of underground bankers) had sold his entire stake in Oksky Bank. Mr. Agramakov also left the board of directors of Mast-Bank.
In March 2014, Oksky Bank changed its name to OJSC United Credit Bank (abbreviated as OJSC O.K. Bank). In April of the same year, the bank changed its chairman of the board, becoming Vyacheslav Zabotin, one of the three largest shareholders of the bank. In February 2015, the bank's head office moved from the Vladimir region to the city of Yaroslavl.
In 2014, the bank was brought to administrative responsibility three times for failure to comply with the requirements of the legislation on combating the legalization (laundering) of proceeds from crime and the financing of terrorism and was fined once.
From March to June 2017, the composition of the shareholders of United Credit Bank underwent significant changes: in just three months, a third of the shareholders in the credit institution changed. On May 30, 2017, the head of the credit institution, Vyacheslav Zabotin, reduced his stake from 19.9% to 9.9%. At the same time, Lyubov Yakubovich became a shareholder with an almost 10 percent stake. Earlier, in mid-April, Elena Kavryzhenko completely sold her stake (9.99%) and Diana Lutovinova acquired the same share in the bank. A month earlier, in mid-March, Vladimir Lednev sold his 9.94% stake. At the same time, Irina Shakhrai had a similar share.
As a result, according to the latest available data as of June 5, 2017, the two shareholders with the maximum shares (19.86% and 19.90%) in the bank’s capital are two members of the bank’s board of directors - Ivan Korotin and Sergei Trubnikov, respectively. A 9.91% stake in the credit institution also belongs to its chairman of the board, Vyacheslav Zabotin. In addition, the chairman of the board of directors of the bank, Alexander Mikhalchuk, and Irina Shakhrai hold similar shares (9.94% each). Another 10.1% of the organization belongs to Airat Absalyamov, and 9.99% each belongs to Lyubov Yakubovich and Diana Lutovinova.
The bank's head office is located in Yaroslavl. In addition, the network of divisions includes two operational offices and one operational cash desk outside the cash desk in Moscow, one operational office in Aleksandrov (Vladimir region) and a branch in Dzerzhinsk (Nizhny Novgorod region). The average number of bank staff during 2016-2017 was 186 employees. The company's own ATM network is not developed.
At the offices of the financial institution, private clients are offered loans (consumer, mortgage, car loans and credit cards), deposits, MasterCard and Visa bank cards, money transfers (including through the Leader, Contact, Western Union and Zolotaya Korona systems), payment of utility and other bills, currency exchange and individual safes.
Cash settlement services, loans and bank guarantees, salary projects, currency transactions, trade acquiring, collection and safe deposit boxes are available to corporate clients and individual entrepreneurs. Both legal entities and individuals are also offered remote Internet banking services.
Among the bank's clients, such enterprises of the Vladimir region as OJSC Avtobaza No. 3 and OJSC Iskra were previously noticed. The main borrowers of the bank in terms of corporate lending today are representatives of small and medium-sized businesses operating in such segments as trade, construction, real estate transactions, etc. The sectoral structure of the bank’s corporate client obligations is dominated by funds from financial and investment organizations, as well as companies and enterprises of trade and transport.
Based on the results of the first nine months of 2017, the credit institution’s assets showed a slight increase (+3.3%) and as of October 1 amounted to 16.0 billion rubles. During this period, attracted interbank credits showed a significant increase in liabilities (+81.1%), and funds from enterprises and organizations also showed positive dynamics. The increase in these liabilities made it possible to compensate for the reduction in capital (-10.1%) and a small outflow of individual deposits (-6.1%). In assets, despite the insignificant dynamics over the period under study, noticeable structural changes were also noted. The growth of loans to individuals (+445.6 million rubles, or +13.4%) compensated for the decrease in the loan portfolio of legal entities (-321.5 million rubles, or -17.5%). In turn, a slight increase in the securities portfolio (+566.9 million rubles) and an almost sevenfold increase in fixed assets (+244.4 million rubles) occurred simultaneously with a reduction in other assets by more than a third (-483.8 million rubles).
More than 60% of the credit institution's liabilities are formed by client funds with a predominance of deposits from individuals (38.2% of liabilities, mainly deposits with a maturity of one to three years). Funds from corporate clients (a quarter of liabilities) are mainly represented by deposits with a maturity of three to six months and subordinated loans. Attracted interbank loans, represented by short-term loans from Russian banks, account for 12.3% of liabilities. The remaining part of the loans is represented by equity capital, the adequacy of which, in accordance with the N1.0 standard, exceeded 13% (with a minimum level of 8%). The capital includes a subordinated loan in the amount of 1.1 billion rubles at the residual value. Fixed capital adequacy (N1.2), which does not include the subordinated loan, is 9.1% with a minimum of 6.0%.
The bank's client base is small, but quite stable; monthly turnover on accounts of the client base has averaged 2.0-2.5 billion rubles since the beginning of 2017.
As of October 1, 2017, the asset structure is dominated by a portfolio of securities with a share of 54.4%. The loan portfolio accounts for a third of assets, highly liquid funds occupy 5.6%, fixed assets and other assets - 4.9%.
Securities portfolio - 8.7 billion rubles. Two thirds of the portfolio is represented by bonds transferred as of the reporting date to repo. Another third is formed mainly by bonds of Russian companies (JSC Russian Railways, LLC Transbaltstroy, PJSC NK Rosneft and other issuers, according to explanatory information to the bank’s reporting as of October 1, 2017). Trading activity in the portfolio is traditionally very high, the main volume of transactions falls on Eurobonds, with which the bank carries out repo transactions. In recent months, turnover on repo operations amounted to 27-41 billion rubles.
The loan portfolio is 5.3 billion rubles, 72% represented by retail lending, although at the beginning of 2016, loans to legal entities exceeded retail loans in volume. The share of overdue debt has increased slightly since the beginning of 2017 - from 4.3% to 5.1%. The provisioning level has increased accordingly and more than doubles the arrears at 11.5%. Traditionally, there is a fairly low collateralization of loans with property as collateral (28.0% of the portfolio). The bulk of loans to enterprises and organizations were issued for terms from six months to one year, and retail loans were provided mainly for terms of over three years.
In the interbank lending market, the bank in most cases acts as a net borrower. Until mid-2016, it attracted the missing liquidity mainly from the Central Bank of the Russian Federation through repo transactions; since mid-2016, commercial banks have been the main creditors.
The Bank maintains high activity in the foreign exchange market. Turnovers on conversion operations since the beginning of 2017 averaged 30-70 billion rubles monthly.
Based on the results of the first nine months of 2017, the bank slightly reduced its loss compared to the same period in 2016 - 96.1 million and 128.6 million rubles, respectively. Net profit for the entire 2016 amounted to 58.8 million rubles.
Board of Directors: Alexander Mikhalchuk (chairman), Ivan Korotin, Sergei Trubnikov, Vadim Goncharov, Sergei Berezovsky, Pavel Yakubovich.
Governing body: Amiran Akhmetshin (acting chairman), Elena Steksova, Nikolai Polunin.
By Order of the Bank of Russia dated May 25, 2018 No. OD-1328, the license to carry out banking operations from the credit organization Public Joint Stock Company "United Credit Bank" PJSC "O.K. Bank" (reg. No. 1118, Yaroslavl).
As a result of the systematic implementation of PJSC “O.K. Bank" of "scheme" operations to transform assets aimed at hiding the real financial situation jar and evasion of requirements supervisory authority on an adequate assessment of the risks taken, a significant amount of assets of a dubious nature has accumulated on the balance sheet of the credit institution. In May current year PJSC "O.K. Bank" transactions were carried out with securities, the ultimate goal of which was withdrawal of a significant part of liquid assets to the detriment of the interests of creditors and investors.
The Bank of Russia has repeatedly applied to the credit organization PJSC “O.K. Bank" supervisory response measures, including twice introducing restrictions and once a ban on attracting deposits from the public. Under the circumstances, the Bank of Russia decided to withdraw PJSC O.K. Bank" from the banking services market.
The decision of the Bank of Russia was made in connection with the failure to comply with federal laws regulating banking activities, as well as regulations of the Bank of Russia, taking into account the repeated application within one year of the measures provided for Federal law"O Central Bank Russian Federation(Bank of Russia)", taking into account the availability real threat interests of creditors and investors.
In accordance with the order of the Bank of Russia dated May 25, 2018 No. OD-1329 at PJSC O.K. Bank" a temporary administration has been appointed for a period of validity 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» liquidator. Authority executive bodies credit organization in accordance with federal laws are suspended. In connection with the revocation of the license to carry out banking operations, by order of the Bank of Russia dated May 25, 2018 No. OD-1328, the license to carry out credit PJSC organization"OK. Bank" professional activity on the securities market.
PJSC "O.K. The Bank 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 specified Federal Law provides for payment 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. According to reporting data, by value of assets as of 05/01/2018 credit organisation ranked 200th in banking system Russian Federation.