JSC Joint-Stock Commercial Bank. JSC "Joint-Stock Commercial Bank" of the Akb Cor

Order of the Bank of Russia from 05.10.2018 No. OD-2586 from 05.10.2018 License is revoked banking operations The credit institution has a joint-stock company commercial Bank "Cor" JSC "Akb Cor" (Reg. No. 2148, Volgograd). According to reporting data, the value of assets on 09/01/2018 credit organisation occupied 390 place in banking system Russian Federation.

The business model of JSC "Akb Cor" was largely focused on servicing the interests of its main shareholder and related persons. Loan debt Companies, directly or indirectly associated with the final beneficiaries of the credit institution, amounted to about 50% of the loan portfolio.

In the activities of JSC "Akb Cor" revealed numerous violationslegislation and regulatory acts of the Bank of Russia in the field of countering the legalization (laundering) of income obtained by criminal, and financing terrorism in terms of completeness and accuracy of the information sent to the authorized body for operations subject to mandatory control. In addition, in the second quarter current year The amount of dubious transit operations conducted by the bank has increased dramatically.

In the current circumstances, the Bank of Russia decided to revoke the JSC "AKB Kor" licenses for banking operations. The decision of the Bank of Russia was made in connection with a repeated violation during one year of the requirements provided for in Article 7 (with the exception of paragraph 3 of Article 7) of the Federal Law "o Countering Legalization (Laundering) of Revenues received by criminal, and the financing of terrorism", as well as regulatory requirements Acts of the Bank of Russia, published in accordance with the specified Federal law.

In connection with the review of the license to carry out banking operations, a license for the implementation of the credit institution of JSC "Akb Cor" professional activity On the market valuable papers.

In accordance with the order of the Bank of Russia from 05.10.2018 No. OD-2587 in JSC "Akb Cor" temporary administration has been appointed validity until the appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of the Competition Manager or the appointment in accordance with Article 23.1 of the Federal Law "On Banks and banking activities»Liquidator. The powers of the executive bodies of the credit institution in accordance with federal laws are suspended.

JSC "Akb Cor" is a participant in the deposit insurance system. Reviewed by banking licenses is an insured case provided for by Federal Law No. 177-FZ "On Insurance of Deposit individuals In the banks of the Russian Federation "in relation to the obligations of the Bank on the deposits of the population defined in the procedure established by law. Specified Federal Law provides for payment insurance compensation Depositors of the Bank, including individual entrepreneurs, in the amount of 100% of the balance, but not more than 1.4 million rubles in conjunction on one depositor.

Joint Stock Company "Joint-Stock Commercial Bank" Cor "

Order of the Bank of Russia from 05.10.2018 No. OD-2586 from 05.10.2018 A license to carry out banking operations at the credit institution Joint-Stock Company Joint-Stock Commercial Bank Cor "Akb Cor" (Reg. No. 2148, Volgograd) was revoked. According to the reporting data, the amount of assets as of September 1, 2018 credit institution held 390 place in the banking system of the Russian Federation.

The business model of JSC "Akb Cor" was largely focused on servicing the interests of its main shareholder and related persons. Loan debt of companies, directly or indirectly associated with the finite beneficiaries of the credit institution, was about 50% of the loan portfolio.

The activities of JSC "AKB Cor" revealed numerous violations of the legislation and regulatory acts of the Bank of Russia in the field of countering the legalization (laundering) of the income obtained by criminal, and the financing of terrorism in terms of the completeness and accuracy of the information sent to the authorized body for operations subject to mandatory control. In addition, in the second quarter of this year, the amount of dubious transit operations conducted by the Bank has increased dramatically.

In the current circumstances, the Bank of Russia decided to revoke the JSC "AKB Kor" licenses for banking operations.

The decision of the Bank of Russia was made in connection with a repeated violation during one year of the requirements provided for in Article 7 (with the exception of paragraph 3 of Article 7) of the Federal Law "o Countering Legalization (Laundering) of Revenues received by criminal, and the financing of terrorism", as well as regulatory requirements Acts of the Bank of Russia, published in accordance with the Federal Law.

In connection with the review of a license to carry out banking operations, a license is canceled for the implementation of the credit institution JSC "Akb Kor" professional activity in the securities market.

In accordance with the order of the Bank of Russia from 05.10.2018 No. OD-2587 in JSC "Akb Kor" appointed a temporary administration to the period until the appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of the Competitive Manager or appointment in accordance with Article 23.1 Federal Law "On Banks and Banking" liquidator. The powers of the executive bodies of the credit institution in accordance with federal laws are suspended.

JSC "Akb Cor" is a participant in the deposit insurance system. The review of banking licenses is an insured event provided for by Federal Law No. 177-FZ "On insurance of deposits of individuals in the banks of the Russian Federation" against the Bank's obligations on the contributions of the population defined in the procedure established by law. The federal law provides for the payment of insurance compensation to the Bank's depositors, including individual entrepreneurs, in the amount of 100% balance of funds, but not more than 1.4 million rubles in conjunction on one depositor.

Registration number: 2148

Date of registration by the Bank of Russia: 04.11.1992

Beach: 041806799.

The main state registration number: 1023400000271 (20.08.2002)

Authorized capital: 173,000,000 rubles.

License (issue of issuance / last replacement):
License for banking operations with funds in rubles and foreign currency (without the right to attract into deposits money individuals) (10/23/2015)
License for attracting funds in deposits of individuals in rubles and foreign currency (23.10.2015)

Participation in the Deposit Insurance System: Yes

JSC "Akb Cor" - is a small amount of assets by the regional bank. The date of the foundation is November 4, 1992. Initially, the Organization was created as a limited liability company to maintain budget and extrabudgetary organizations of Volgograd, primarily the areas of health and social security. In August 1999, the bank was transformed into an open joint-stock company, after which the form of the organization has changed at JSC in October 2015. In December 2004, the Bank entered the Deposit Insurance System.

Shareholders of Bank Code:

• Evgeny Ivashchenko - 89.93%;
• bank of Cor - 9.99%;
• minoritarian shareholders -0.08%.

The credit organization has one main and seven additional offices in Volgograd, as well as one credit and cash office in Moscow. There is no active network of ATMs. Personnel number - 161 people.

Bank "Cor" serves private and corporate clients. He offers individuals:

• deposits;
• reception services;
• money transfers;
• mortgage and consumer loans;
• currency exchange operations;
• securities operations.

Legal entities are provided:

• deposits;
• loans;
• cash and remote maintenance;
• operations with securities;
• providing bank guarantees;
• service of foreign economic activity.

The bank was founded in November 1992 in the form of a limited liability company. The founders of the credit institution were AOZT "Insurance Firm Lisa", GP Volgogradstroy, Volgograd Regional Construction and Industrial Association, Volgograd Executive-Mechanical Plant. The purpose of the Bank's creation was the service of budget and extrabudgetary organizations Volgograd, primarily health facilities and social sphere. In August 1999, the bank was increasing and, accordingly, transformed from a limited liability company (LLC) to an open joint-stock company (OJSC). In October 2015, the organizational and legal form was changed at JSC. Since December 2004, the Bank is a member of the Deposit Insurance System.

At the time of the registration of the results of the first issue of shares, 15 legal entities and three individuals were included in the shareholders of the credit institution, while the key beneficiary of the bank could be considered Roman Beckov, who headed the Board of the credit institution at that time. One of the main shareholders of the Bank also spoke chief Accountant Alexander Morozov. Gradually, direct shares of these individuals increased and by the beginning of 2003 were already at 19.94%, and taking into account controlled companies of the Bank shareholders exceeded 30% (for each).

In 2004, Roman Beckov became the Deputy Head of the Volgograd Administration. In 2009, the former mayor of Volgograd Evgeny Ischenko entered the board of directors of AKB Kor ", and Roman Beckov headed the board of directors. However, next year, the latter came out of the Council. Roman Beckov is currently holding the positions of Deputy Governor of the Volgograd region and Chairman of the Committee for the Industry and Trade of the Volgograd Region, heads the Regional Association of Commercial Banks.

To date, Evgeny Ishchenko through four limited liability companies controls 89.93% of the bank's shares. Another 9.99% of the shares belong to the credit organization itself. Shareholders - Minorityarians account for 0.08%.

The head and seven additional offices of the credit institution are located in Volgograd. Another additional and one credit and cash office are located in Moscow. The network of own ATMs is not developed. The number of staff of the bank as of July 1, 2018 was 138 people (a year earlier - 157 people).

Private persons, the Bank offers deposits, reception services, remittances ( cONTACT systems, Western Union, " gold Crown"And" city-Volgograd "), mortgage and customer credit, as well as currency exchange operations and operations with securities.

List of services provided legal entities, includes deposits, loans, calculation and distance and remote banking services, provision of guarantees, brokerage service and operations with securities, as well as servicing foreign economic activity.

The volume of net assets of the credit institution has decreased from the beginning of the year by 4.3% (or 81.2 million rubles), amounting to 1.8 billion rubles as of August 1, 2018.

The balance of the balance currency is primarily due to the outflow of funds of individuals, which led to a reduction in the resource base of the bank. In the active part of the balance, the main reduction was affected by articles of high-liquid assets and a total loan portfolio.

The structure of liabilities of the credit institution is well diversified by sources of attraction. For the period considered, the structure of liabilities has undergone the following changes:

The share of attracted funds of individuals in liabilities has decreased from 29.3% to 24.6%, while their nominal volume decreased by 109.2 million rubles;
The share of attracted funds of legal entities in liabilities increased from 25.5% to 27.7%, while their nominal volume increased by 19.7 million rubles;
At the reporting date, the credit organization has no funds raised from banks;
At the reporting date, the credit organization does not have on the balance sheet of its own issued securities.

Volume own funds A credit institution on 01.08.2018 amounted to 455.4 million rubles, since the beginning of the year this indicator decreased by 8.9% (or 44.7 million rubles). The shares of their own and attracted funds at the reporting date are 25.3% and 74.7%, respectively. The cost of sufficient funds (H1.0) is performed at the reporting date with a significant reserve, amounting to 26.85% (at a minimum of 8%).

The main volume of assets of the credit institution falls on the article issued by interbank loans, which for the reporting date forms 31.8% of net assets. Shares of assets bringing interest income, and other assets on 08/01/2018 amount to 57.2% and 42.8%, respectively.

For the period considered, the structure of assets has undergone the following changes:

The share of investments in the aggregate loan portfolio decreased from 24.8% to 23.1%, while their nominal volume decreased by 49.2 million rubles;
The share of investments in the securities portfolio increased from 22.2% to 29.8%, while their nominal volume increased by 118.8 million rubles;
The share of issued interbank loans increased from C 21.2% to 31.8%, while their nominal volume increased by 172.5 million rubles;
The share of highly liquid assets decreased from 21.1% to 6.4%, while their nominal volume decreased by 282.5 million rubles;
The share of fixed assets increased from 3% to 3.4%, while their nominal volume increased by 5.2 million rubles;
The share of other assets has decreased from 7.7% to 5.5%, while their nominal volume decreased by 46 million rubles.

At the reporting date, the magnitude of the total loan portfolio of Finachery is 417.1 million rubles. Since the beginning of the year, its volume has decreased by 49.2 million rubles (or 10.6%). The main share in the loan portfolio accounted for loans granted to legal entities - 84.1%. The loan portfolio is predominantly long-term: the share of loans issued for more than one year is 50.9%. For the analyzed period, the level of overdue debt on the aggregate portfolio decreased from 26.7% to 19.2%. At the same time, the level of redundancy on the loan portfolio is 65.5%, which fully covers the amount of overdue debt. The cost of property transferred to a deposit as security for loans is 403 million rubles (96.6% of the value of the loan portfolio).

In the interbank market, a credit institution is exclusively a net lender. The amount of hosted funds on 08/01/2018 is 572.5 million rubles and is fully represented by the funds placed on the deposit in the Central Bank of the Russian Federation. On the currency market Fincocracy exhibits weak activity, turns conversion operations based on the results of last month are at the level of 100.4 million rubles.

According to reports on RAS, according to the results of 2017, the credit institution received a loss of 32.6 million rubles. At the end of the seven months of 2018, a credit institution demonstrates profits in the amount of 7 million rubles.

Board of Directors: Evgeny Ischenko (Chairman), Andrei Litin, Andrei Asainov, Ilya Borzilov.

Governing body: Andrei Asahinov (Chairman), Olga Cherkessova, Alevtina Bakhturova, Lyudmila Buldakova, Pavel Rubv.