Bank of Russia did not reduce the activity of revocation of bank licenses. Today, they have lost three credit institutions, liabilities to individuals estimated at nearly 16.5 billion rubles. With the recent revocation of licenses, primarily the bank “Transport”, the Deposit Insurance Fund is the limit. To replenish the depleted fund the Deposit Insurance Agency (DIA) is planning to apply to the Central Bank for a loan of 110 billion rubles.
Today, the Bank of Russia revoked three banking licenses: two Moscow – Metrobank and PKO Bank, as well as in the Tyumen Sibneftebank. Claims for all three banks were the standard: credit institutions to carry out “high-risk lending policy and do not cause risk taking adequate provisions for possible loan losses.” As a result, Metrobank regularly admitted “cases of untimely fulfillment of obligations to creditors and depositors.” In the statements of May 1, the bank, disclosing corporate loan portfolio in the amount of 6.5 billion rubles., At the same time showing the delay on it at a rate of only 0.1%. For four months the bank received a loss of $ 665 million rubles. As a result, despite the fact that its capital amounted to 1.13 billion rubles., Capital adequacy as of May 1 fell below the level of 10% – to 9,55%.
A similar situation developed and PKO bank in respect of which the Central Bank noted that “an adequate assessment of the risks taken and fair reflection of the value of the bank’s assets led to a complete loss of its own funds.” According to reports as of May 1, the corporate loan portfolio amounted to 9.73 billion rubles. At the same time delay on it it was shown as insignificant – only 0.8%. With a fairly high value of equity (1.32 billion rubles.) Level of adequacy (N1) was close to the limit values (10,09%).
From Sibneftebank judging around, the Bank of Russia has demanded the creation of necessary reserves. As a result, it “led to a complete loss of the bank’s own funds.” The values of “all standards of capital adequacy below 2%,” notes the report of the Central Bank. However, in Sibneftebank as of May 1 it had the highest level of adequacy ratio N1 (16%) and the reported delinquency in the corporate portfolio amounted to 15%.
All three The Bank participates in the deposit insurance system. Deposit Insurance Agency (DIA) has announced that payment of all three cases begin before June 15. The volume of individuals’ funds in these banks as of May 1, according to reports, donated by the Bank of Russia, is estimated at nearly 16.5 billion rubles., Which is comparable with the current size of the Deposit Insurance Fund. And this is without taking into account payments on large insurance case – the bank “Transport”, whose commitment to individuals as of May 1 accounted for nearly 39 billion rubles. The situation is not saved and quarterly installments of banks in the deposit insurance system, which is estimated at about 20 billion rubles. So today is expected board meeting DIA, which will address the issue of bringing the Central Bank loan to replenish the Deposit Insurance Fund of 110 billion rubles. (See. “Kommersant” dated June 1).
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