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.
08/01/2016 \ Financial sector news
Public Relations Department state corporation The Deposit Insurance Agency (DIA) announces that payments will begin on August 2, 2016 insurance compensation to depositors of Arksbank JSC (Moscow).
By Order of the Bank of Russia dated July 19, 2016 No. OD-2288, this credit organization’s license to operate banking operations, which is an insured event provided for by the Federal Law “On Insurance of Individuals’ Deposits in Banks” Russian Federation" In accordance with it, bank depositors, including individual entrepreneurs(IP) have the right to receive insurance compensation on accounts (deposits) opened with this credit institution. The obligation to pay insurance compensation is assigned to the DIA, which performs the functions of the insurer.
Insurance compensation is paid to the depositor in the amount of 100 percent of the amount of all his accounts (deposits) with the bank, including those opened for entrepreneurial 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 accounts (deposits) of individual entrepreneurs opened for business activities - as part of the third priority). By bank account(contribution) to foreign currency insurance compensation is calculated in rubles at the Bank of Russia exchange rate on the day of license revocation - July 19, 2016. If there are counterclaims from the bank to the depositor, their amount is deducted from the amount of accounts (deposits) when calculating insurance compensation. In this case, the repayment of counterclaims does not occur.
Acceptance of applications for payment of compensation for deposits and other necessary documents, as well as payment of compensation are carried out from August 2, 2016 to August 2, 2017 through Sberbank PJSC, acting on behalf of the DIA and at its expense as an agent bank. After August 2, 2017, acceptance of applications, other necessary documents and payment of compensation will be carried out either through an agent bank or the DIA independently, which will be announced additionally.
In accordance with federal law Payment of compensation for deposits is carried out during the entire period of liquidation of the credit institution.
The depositor has the right to contact any department of the agent bank listed on the official website of the DIA on the Internet. Payment of compensation will be carried out in 6 constituent entities of the Russian Federation: Moscow, Moscow, Belgorod, Vologda, Voronezh and Chelyabinsk regions. The total number of agent bank units involved in paying compensation for deposits to Arksbank depositors will exceed 300. Moreover, taking into account the concentration of bank depositors in Moscow and the Moscow region, a significant part of the agent bank units will be concentrated in these regions.
Arksbank depositors can receive compensation for accounts (deposits) opened for non-business activities, both in cash and by transfer Money to an account in a bank that is a participant in the deposit insurance system, specified by the depositor.
Payment of compensation for accounts (deposits) opened for business activities is made only by transferring the amount of compensation to the account specified by the depositor in a bank participating in the deposit insurance system, opened for business activities.
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 (an example text of the power of attorney is posted on the official DIA website on the Internet: www.asv.org.ru, section “ Deposit insurance/Document forms").
If, after payment of compensation, the bank's depositors have an outstanding part of their bank account (deposit), then they will be able to formalize the creditor's claim against the bank by filling out the appropriate section in the application for payment of compensation for deposits when contacting the department of the agent bank for payment of compensation.
In the event of a dispute regarding the amount of compensation to be paid or incomplete size amount of the deposit or due to the lack of information about the depositor in the register of obligations of Arksbank JSC to depositors, the depositor can submit a statement of disagreement and submit it to the agent bank for transmission to the DIA or independently send such a statement by mail to the DIA with attached copies of the available primary documents, confirming the validity of the investor’s requirements: agreement bank deposit(accounts), receipt cash order etc., as well as a copy of your passport. We draw the attention of depositors that in this case they will be able to immediately receive compensation for deposits, the amount of which is indicated in the initial register of obligations of Arksbank JSC, and after consideration additional documents the remaining amount of compensation due to the depositor. Applications from depositors will be considered in the calendar order in which they are received, with mandatory notification of the stage of their consideration on the official DIA website on the Internet, as well as by sending the appropriate SMS messages.
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.
Applications for payment of insurance and other necessary documents, as well as payments themselves, are accepted through an agent bank 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 business activities, 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. For an 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.
Please note that in the message about settlements with depositors Arksbanka DIA did not provide, as usually happens, 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 available primary documents confirming the validity of the depositor’s requirements (bank deposit/account agreement, cash receipt order, etc.), as well as copies of the passport. In this case, investors will be able to immediately receive compensation in accordance with the initial register, and after reviewing 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.
On August 2, 2016, the Deposit Insurance Agency (DIA) begins paying insurance compensation to depositors of Arksbank, which was deprived of its license on July 19, 2016. Depositors and individual entrepreneurs with accounts in this bank will be able to receive payments at the branches of Sberbank, which is appointed as an agent bank for Arksbank.
The amount of insurance compensation is no more than 1.4 million rubles in total for all deposits and accounts of the depositor or individual entrepreneur. Deposits and accounts in foreign currency are paid in rubles at the Central Bank exchange rate as of July 19, 2016.
Depositors will be able to receive payment both in rubles and to a bank account, individual entrepreneurs - only to a bank account opened for business activities.
The amount of the deposit in excess of the amount of insurance compensation is repaid during the liquidation of the bank as part of the claims of creditors of the first priority, for individual entrepreneurs - of the third priority.
What should Arksbank depositors who are not in the register do?
The DIA reports that Arksbank management was involved in fraud with bank deposits, as a result of which a number of depositors are missing from the register of insurance payments. Such depositors must fill out a statement of disagreement with the amount of insurance compensation and provide copies of documents confirming the validity of the depositor’s claims (deposit agreements, cash receipt orders, etc.). You can submit your application at your agent bank.
If the payment amount is less than the deposit amount
The depositor can receive the current payment, the remaining amount will be transferred to the depositor through the agent bank after reviewing the depositor’s documents submitted along with the statement of disagreement, if the DIA makes a positive decision on such a statement. ABOUT positive decision the depositor will find out via SMS message within 30 days after the agency receives a statement of disagreement.
The DIA emphasized that it is possible that the time frame for considering statements of disagreement will increase, and therefore the agency asks depositors to treat possible delays with understanding.
Let us note that depositors of Crossinvestbank, Miko-Bank and Stella-Bank previously encountered a similar situation. Then the DIA stated that payments to depositors would be made only on the basis of a positive court decision, after which depositors staged a rally in the center of Moscow demanding payments to be made in accordance with current law on deposit insurance. As a result of the rally, depositors achieved insurance payments in a pre-trial manner, however, at the moment, not all depositors are included in the register; some went to court with a demand to oblige the DIA to include them in the register.
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, total amount 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 the missing information about open accounts(deposits) of citizens affected by fraudulent actions of bank employees, 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 funds from the population and placing them 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).