Central Bank revoked the licenses of another two banks and one non-banking organizations. The largest of the penalty box SPETSSETSTROYBANK occupies 315th place. In today’s difficult economic environment, “cleaning” is more nervousness. But, according to experts, the more respect is the Central Bank, which remains faithful to take the course.
Central Bank revoked the license of Moscow Spetssetstroibank (SSSB) and the first of the depositary bank, as well as in non-banking institution “Northern Clearing House ».
SPETSSETSTROYBANK – quite a large organization: in terms of assets it held 334 th place in the banking system of the Russian Federation (the data of the Central Bank as of September 1) and 315-th place in terms of assets in the” Interfax 100. ” SSSB violated the requirements of anti-money laundering and has been involved in conducting suspicious transactions to withdraw money abroad in large quantities, the Central Bank said in a statement.
The first deposit bank (PDB), as reported by the Central Bank, conducted high-risk lending policies and did not create reserves, the adequacy of risk. As well as the SSSB, PDB was involved in questionable transactions and did not oppose the money. According to reports, in terms of assets CB “First deposit” September 1, 822 took place in the Russian banking system.
Both of them participated in the deposit insurance system. Deposit Insurance Agency promises that paying customers will begin no later than October 6, 2014: 100% of the sum of all accounts of the depositor in the bank, including open for business purposes, but not more than 700 thousand. Rubles. together.
«Sum, not compensated by insurance, will be repaid during the liquidation of the bank as part of the claims of creditors of the first stage (for SP accounts opened for business purposes – in the third line) . On bank deposits (accounts) in foreign currency insurance indemnity is calculated in the exchange rate of the Bank of Russia on 22 September 2014 “, – says the DIA.
Non-bank credit organization” North Clearing House “has not met the requirements for capital adequacy (not less than 2%) and also held high-risk lending policies associated with the placement of funds in low-quality assets. By assets of JSC “Northern Clearing House” took the 813th place in the banking system of the Russian Federation.
In the banking sector continues cleaning, which began with loud comments licenses from organizations such as the Master-Bank, in the autumn of 2013. Every two to three weeks the Central Bank denies licenses two-three banks.
«Central Bank took a course to reduce the number of credit institutions and, therefore, continues to stop the activities of organizations that routinely violate the rules. Previously, it can often turn a blind eye, but now the regulator has become more strictly apply to market participants “, – says Director of Development QB Finance Margot Gorsheneva.
According to the experts at Alfa Bank, Russia banks need much less than we have now. “We compared the banking systems of different countries and concluded that 300-500 banks enough for the Russian banking system. Given the fact that 90-95% of all banking assets accounted for the top 200, reducing the number of banks to 500 should be painless, “- said” Gazeta.ru “economist Center for Macroeconomic Analysis Dmitry Dolgin.
The pace taken by the Central Bank, and the time chosen for large-scale purge of, is quite happy with the expert. “Cleaning for a long time was asking – he says.
– Of course, now it causes more nervousness, and you can hear that the crisis is not the best time for the revocation of licenses. But to close the banks do not have the perfect time.
There will always be someone who is a painful action is not satisfied. The fact that the central bank has decided to follow him and, in his favor, and compares favorably with other institutions. ” “In this case, the Central Bank is acting very carefully, and it is possible to establish the fact that such actions are very weighted,” – said Gorsheneva.
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