CB banned replenish deposits in the connected bank – RBC

Photo: Yekaterina Kuzmina / RBC

Add the deposits opened in the credit institution can not be from July 29, stated on the website of the bank. “Updating the current and card accounts available without restriction”, – states the report Coherent bank. Earlier, on April 15, the Central Bank imposed a ban on accepting new deposits. Thus, today, the bank denied the opportunity to attract deposits from the public.

«The new restriction in terms of the business and operating performance for us does not change anything – the outflow of deposits from the bank has been going on for a long time”, – said director of marketing and products Coherent Bank Anton Holtzman.

In the first eight months, starting from November 1, 2014, investors took from the bank to 25.8 billion rubles., from April 1 – 4 billion rubles. By July 1, the volume of deposits in “The Messenger” was 16.8 billion rubles.

Problems with Coherent Bank began in November last year, when it became known that his then beneficiary Maxim Marigold could not pay off the bridge loan issued ONEKSIM company Trellas – it formally belongs to the bank. The day after the appearance of this information, investors took more than 3 billion rubles., The outflow of deposits increased in December by the financial crisis. In March this year Receivables Trellas moved from ONEXIM Group Solvers Oleg Malis.

In March, the bank’s management liaison appealed to the shareholder letter, which requested a recapitalization of the bank at 5 billion rubles., Warned otherwise there will be problems in compliance with the regulations of the Central Bank. In March, the bank ended up checking CB. “Its main outcome was that the regulator pointed to the need for bank recapitalization,” – said earlier, a source close to the bank. Now the Central Bank decides on the possible rehabilitation of the bank, to which the applicant made the bank “Renaissance Credit».

The Messenger Bank indicated in its financial statements under IFRS for 2014, it expects to attract investors who will be able to capitalize the bank at 8, 3 billion rubles. Then the bank will be able to maintain a capital adequacy ratio (N1) at 10.5%. Otherwise “there is doubt” that the bank will be able to “continue as a going concern and to fulfill the obligations,” according to his materials.

«Introduction restrictions on the full acceptance of deposits means that the regulator thus decided to fix the deposit base Bank at the current level, so as not to increase the amount that may be required for the payment of depositors of the Fund Deposit Insurance Agency “, – says the deputy head of credit rating institutions Marina Musiets.

As of July 1 capital adequacy ratio H1 .0 at Coherent Bank dropped to the level of 4.77% (with a minimum 10% required). If this standard is below 2%, the Central Bank is legally obliged to withdraw from a credit institution license.

core capital adequacy ratio and core capital N1.1 N1.2 become zero (at the lowest installed 5 and 6%, respectively) . Loss of the bank July 1, according to Russian accounting standards amounted to 6.3 billion rubles. The loan portfolio of the bank for six months decreased by 47.2% (to 19.4 billion rubles., To 21.7 billion rubles.). This is the largest decline in the market.