On the anniversary of the revocation of license of Probusinessbank (12 Aug 2015), which became perhaps the most high profile due to the large number of affected businesses, the initiative group of depositors-legal entities filed a second appeal to the Prosecutor General.
In late August, the Agency must complete the review by the Supervisory unit of the Central Bank initiated legal entities which are creditors of the organization and the business Ombudsman Boris Titov, to whom they went. However, we do not even have estimates of how many entrepreneurs have lost in three years, Stripping the banking sector. Neither the Agency on insurance of contributions (ASV), or Central Bank of such data at the request of “Izvestia” is not provided. According to the calculations, which made “news” on the basis of reported data, it turned out that at the time of revocation of the license in the banks with the biggest “holes” there were more than 230 billion rubles.
Until last summer, when license lost “the Russian credit” and Probusinessbank, one of the biggest problems faced by entrepreneurs, who had their money in the investment Bank and Master-Bank (at the time of revocation of the license in the organization was almost 12.5 billion rubles in funds of the business). A distinctive feature of Stripping the banking sector from shady banks, which began with the arrival of a new Chairman of the Central Bank Elvira Nabiullina, was the fact that the reviews of the license have occurred at a time when credit institutions were in a huge “hole”. Before the arrival of Elvira Nabiullina, the regulator often used extreme measures-compliance with 115-FZ (AML / CFT act), and customers offset most of the funds.
Summer last year was a turning point in all senses. With a small amount of time lost the license, two banks with a large number of legal entities — “the Russian credit” (more than 32.6 billion) and Probusinessbank (more than 13 billion rubles). Moreover, the license of the latter was the most resonant, since credit institutions were more than 50 thousand accounts of legal entities, many of which end Probusinessbank became the downfall of the business. The fact that a large part of holding funds in this organization of entrepreneurs refers to the SMEs (small and medium enterprises).
— When withdrawing the license of the Bank with a “hole” (about 67 billion roubles. — “News”) for small businesses, this means not only the collapse of business, but, as a rule, of a lifetime, ” says Nerses Grigoryan, who heads the initiative group of legal entities — creditors of Probusinessbank. — Many in addition to a Bank account were loans, which people took for working capital. And now these funds, and debts were. Many took loans on the security of property.
The initiative group of creditors Probusinessbank first sent a letter to the business Ombudsman Boris Titov, and closer to the end of the year more than 200 companies — clients of the failed organizations have appealed to the state Ministry of interior in Moscow and the state office of public Prosecutor the collective statement with the request to check the legality of actions not only deprived of the management of the Bank’s license, but employees of the Central Bank and ASV.
As told “Izvestia” Nerses Grigoryan, in August, on the anniversary of the revocation of a license, the initiative group appealed to the Prosecutor General’s office again in connection with newly discovered circumstances. At the same time at the end of August, to end the verification by the Supervisory unit of the Central Bank, which began in July of this year. As reported by the media, one of the check — the protection of the rights of businessmen, the reason could numerous complaints of entrepreneurs who lost their money in failed banks, which the regulator revoked the license.
While the data review, the source said, “Izvestia”, familiar with the process. According to him, initially the Prosecutor General’s office had problems even obtaining data on the total amount of losses incurred by the legal entity of dishonest credit institutions. The Central Bank and ASV have not answered the question of “Izvestia”, how much money lost by entrepreneurs since the beginning of the Stripping of the banking sector from shady credit organizations.
According to public reports, provided by banks to the Central Bank, “news” was calculated, that at the time of revocation of the license of the top 20 banks, which account for 80% of the funds of legal entities, legal entities kept in them almost of 231.6 billion and 21.2 billion are the funds of organizations and enterprises, state-owned. Most of the lost customers of Vneshprombank (almost 82.3 billion rubles), “Russian credit” (32.6 billion roubles), Nota-Bank (24 billion) and others (see table).
Even if you consider that part of the funds will be refunded at liquidation activities, but it’s still a respectable figure. As told “Izvestia” in the ASV, the average percentage of satisfaction of claims of legal entities — creditors of banks-bankrupts of the third stage, in which liquidation procedures were completed by January 1, 2016, amounted to 16.3% (compared to 7.7% as of 1 January 2015). By the way, the rate of compensation is really very average. For example, clients of Probusinessbank only returned 10.5 per cent at the moment. In any case losses were significant and amounted to about 200 billion rubles.
— Indeed, a problem such as insecurity of funds of legal entities in banks that have a revoked license really is. Revocation of license sometimes instantly, in contrast to the procedure of readjustment, paralyzes the companies which are served by the Bank, — confirms the President of the National rating Agency (NRA) Victor Chetverikov.
The situation with the protection of means of businessmen in banks as sad was, and remains, says “Izvestia” head of the Expert center under the Ombudsman under the RF President on protection of entrepreneurs ‘ rights Anastasia Alekhnovich. In her view, entrepreneurs at the moment there is no chance to get their money back.
And this despite the fierce controversy that is ongoing between the business community and the Central Bank. We are trying to explain what a protection business in banks is extremely important for the economy because entrepreneurship jobs, taxes, maintenance credits. We offered and offer to enter insurance on account of IP — up to 5 million rubles, legal entities — in the amount of 50 million rubles, but standard hear the answer that there is no money in the insurance Fund, — says Anastasia Alekhnovich.
She noted that there is not even responsible for the loss of entrepreneurs.
— Us so no one answered who is responsible for the fact that people lost money. No criminal case in the relation of representatives of the Central Bank, nor the DIA, nor even the owners of the collapsed banks. Entrepreneurs ‘ rights are being violated, it —system, — complains the head of the Expert center at the business Ombudsman.
She believes we need to change the system. In particular, to separate the control and supervision of the Central Bank.
Victor Chetverikov believes that now really needs to look for ways to minimize damage to legal entities when problems arise from their settlement banks. But he sees a different solution to the problem.
— Promising option would be to rescue banks by its largest customers by making capital from their deposits in exchange for shares of the troubled Bank (the so-called bail-in. — “News”). Given that one of the most common models of cooperation with banks is the triad of “opening a Deposit — account opening — the opening of the credit” for many customers will be important to convert the deposits in the control of the Bank, keeping the funds in the settlement accounts and not interrupting financial transactions, — says the President of the NRA.
Recently, the Chairman of the Central Bank Mikhail Sukhov said that the mechanism of bail-in can be implemented in Russia in 2017, when it can be completed the intensive phase of the sanitation sector. However, this mechanism is going to apply only to legal entities, the amount of deposits which exceeds 100 million rubles.
