Central Bank revoked the license three other organizations – Ecoprombank, Art Bank and non-bank institutions “Settlement banking center”, which have been unable to pay its creditors. “Cleaning” series of bank focused on banks of the second and third-tier, but sanctions could worsen the situation.
The Central Bank revoked the licenses still have three credit agencies – Permian Ecoprombank, Vladikavkaz Art Bank and the Moscow “Settlement banking center. ” The first two credit institutions charged with providing “material” false reporting, a high-risk policy, which has led to the fact that the banks were unable to meet the claims of creditors.
Ecoprombank took 263rd place in terms of assets and had one office in Perm. He began to experience problems in July, when the market entered the rumors about a possible withdrawal of the license. Customers of the bank began to massively withdraw money. Rush of panic fell on July 23-25. Bank depositors reassured as he could.
«License from the bank and not withdrawn any reason this does not currently exist, – the press-service Ecoprombank July 25th.
In late July, the bank’s management has suspended the service of plastic cards and accepting deposits from the population, introduced a record on the issue of money and limited cash withdrawals at ATMs 15-19 thousand. rubles. night. August 1 the bank had to temporarily shut down the system “Client-Bank” to streamline the process of creation and review of payment orders the bank’s clients. Since August 7, the bank branch was only work up to 16 hours, from 14 August – up to 13 hours.
August 12 Russian rating agency “Expert RA” has downgraded the credit rating Ecoprombank to the level of C +, which means “very low credit (pre-default) ».
Prior to this, the bank’s rating was B +, «a sufficient level of credit.” “Managers and owners of” the Bank “Ecoprombank” failed to take effective measures to normalize its operations and restore the financial situation, “- writes the Central Bank.
Art Bank ranked 674 th in the Russian banking system. Head office – Vladikavkaz; more – in Beslan, Mozdok Digora and Chikola, branch – in Moscow. About his problems, too, can be guessed in advance. Back in March, the Central Bank asked the Art Bank officially stop working with the contributions. According to the law “On Insurance of Deposits of Individuals” The Bank of Russia has the right to do this if the credit institution does not meet the requirements of the participants in the system of deposit insurance. In this case, the contributions made previously remain insured.
Both banks, so is a member of the deposit insurance. Deposit Insurance Agency (DIA) encourages customers to remain calm and promised to start paying not later than 1 September.
«Insurance compensation is paid to the depositor in the amount of 100% of its accounts (deposits) in the bank, including open for business purposes, but not more than 700 thousand. rubles. together – like DIA. – The amount is not reimbursed 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 in foreign currency the indemnity calculated in rubles at the exchange rate for August 18, 2014 (36 rubles. $ 1).
«Settlement banking center” – a non-bank credit organization. Central Bank says that it violated anti-money laundering legislation, as well as participated in suspicious transactions.
«During 2013 the credit institution has been involved in conducting suspicious transactions related to the withdrawal of funds abroad, the total of which exceeded 8 billion rubles. “, – the press-service bank in Russia.
Since all organizations – small scale, it is unlikely today’s decision by the Central Bank will be resonant, says the head of the analytical department of the IR« Golden Hills – Capital AM “Natalia Samoilov. “The population has already experienced the closure of several institutions of the” first hundred “, which helped to develop immunity to the citizens of this kind known,” – she said.
It seems that now the Bank of Russia in its “cleaning” which started in autumn 2013, moved to the small and medium organizations.
At the same time, Russian banks faced with worsening credit conditions abroad. The largest of them – VTB, Bank of Moscow, Sberbank – fell under the sanctions and will not be able to get loans for more than 90 days. All this further worsens the situation with liquidity in the Russian banking system.
«While the recession continues to threaten the growth of the Russian economy, and sanctions – the amount of liquidity in the financial sector, the central bank continues to go on track” cleaning “banking series” – says Samoilov.
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