In early August, it became clear that Arksbank, which the Bank of Russia revoked the license in connection with a number of violations of the law, withdrawal of funds of depositors for the balance. As a result of verification the Central Bank found 39 billion rubles instead of four as indicated in the official statements. Investors remained without insurance, they are entitled to from the Agency for Deposit insurance. Experts note that this is not the first “off-balance” scheme, and in the near future other banking scandals. At the same time, experts believe, of such rather rare — ASV and the Central Bank of the Russian Federation cope with the situation, although the additional control it would not hurt.
The phantom menace
The Central Bank continues to revoke the licenses of Russian banks. The head of the regulator Elvira Nabiullina in July, reiterated that it is not the line to reduce the number of credit institutions, and concerted action in the interests of investors and creditors. The Central Bank conducts policy of cleansing of the banking sector, the withdrawal of the weak market, on the one hand, on the other hand, the strong and unscrupulous players,” she said, adding that “well-capitalized and healthy banking system is necessary for future economic growth.
To the revocation of licenses already used, but sometimes there are scandals. In July, the Central Bank revoked the license of little-known Arksbank. It was noted that the activities of credit organizations identified violations of Federal laws and normative acts of the Central Bank and the Bank was repeatedly disciplined. According to the regulator, the situation in a financial institution created real threat to interests of creditors and depositors.
The true scale of the threat became clear in a few weeks. It turned out that the Bank represented the Bank incorrect information on the amount of deposits. DIA explained: “the Interim administration for managing the Bank was discovered, in addition to the main ABS (automated banking system — approx. “Of the tape.<url>”), which was carried on the official accounting and reporting were formed, fragments of additional databases, indicating the organization of the former management of the Bank system accounting part of the borrowed funds. The Bank’s register of liabilities on which payments are made, formed according to the official account”.
On July 1, the credit institution stated liabilities of 3.9 billion rubles, while valid obligations to depositors reached 39 billion.
Missing deposits
Arksbank — the participant of system of insurance of contributions, that is, all victims from fraud rely payments in the amount of 100 percent of the amount of all deposits, including capitalized at the date of the insured event, the percent, but in total not more than 1,4 million rubles. However, due to the chosen attackers from the Bank’s management of the scheme, thousands of investors turned out to be irrelevant, since the documents available to deprived of the license of the credit organization, their accounts have been reduced, or they do not exist. In this situation, the DIA reimburses the depositors and only those amounts that were specified officially.
Photo: Mikhail Japaridze / TASS
The public uproar that deceived investors picketed. After that, the DIA said it will restore deposits according to the documents and pay the insurance. The Director of the Department of insurance of Bank deposits ASV Alexey Abramov noted that with such type of fraud he has not yet encountered. “Arksbank is a new generation of financial schemes… Now we know about it and are working on it” — quoted Abramova edition “Banks.<url>”
Waiting for the scandals
The media noted that the fraudulent scheme in Arksbank about repeating that a few months earlier were revealed in the Mosoblbank. We will remind, there the balance was 76 billion rubles 350 thousand depositors. The Bank aggressively raised funds, and then copied them to the accounts of related companies.
In Arksbank, reported by “Vedomosti” with reference to its sources, had been even easier — reduced the real amount of several times, giving the depositor a statement with some numbers, and in the documents reflecting the other. And if the fraud Mosoblbank came to light by chance — one of the contributors was the employee of the Bank of Russia, the fraud Arksbank generally came to light after the Central Bank revoked his license.
It’s not the recent high-profile disclosures of fraud in credit institutions, experts say. “It is highly likely that in the course of this year we will see several high — profile scandals,” – said the candidate of economic Sciences, Director of ECC “Training Corporation” REU them. G. V. Plekhanov Yaroslav Kabakov portal “recent comments”.
“Exotic issue”
The problem of off-balance sheet investors very serious, said in an interview with “ru” Andrey lyushin, Deputy Chairman of the Board Loko-Bank. “The first cases were detected in 2014, then in several regional banks also revealed thousands of accounts for the balance, and insurance ASV did not apply to them”, — said the expert.
The representative of ASV Alexey Abramov, meeting with investors Arksbank, told them that the Central Bank has been undertaking efforts in order to improve the control registers of Bank deposits. But the real mechanisms for more careful monitoring yet. “Under the current legislation in the form in which it exists, a way to protect against such actions of the Bank does not exist, because a citizen cannot check reflected the Bank in its reporting of his Deposit or not,” said “Urgent review” the General Director of the brokerage house “OTKRITIE” Sergey Chestnov.
But, he added hestanov, still have to face infrequently. “The entire system of such fraud is rare, misunderstandings happen in exceptional cases — less than one percent of the total mass of deposits that are insured by the Deposit insurance Agency. So, on the one hand, there is a problem, on the other hand, she is exotic in nature,” he said.
“Unfortunately, the only way to detect such violations is a sudden inspection of the regulatory authorities”, — says Andrey lyushin of ” Loco-Bank.
ASV and the Central Bank are unable to each Bank to put an overseer,” — said the Chairman of the Board of Trustees “Support of Russia” Sergey Borisov, noting that the Supervisory authorities can calculate unreliable banks on circumstantial evidence. “The Central Bank and ASV are professional,” he said.
At the same time, Borisov believes, you can act harder: “organizers of these fraudulent schemes just need to prosecute. They certainly cast a shadow on all other banks: small, medium, large. And so the mood in the period of crisis not sugar in people, investors and entrepreneurs, and this is another slap in the face to honest business.”
