Ao rab. JSC Commercial Bank Rosenergobank. On the revocation of the banking license from the credit institution "Rosenergobank" and the appointment of a provisional administration

Credit institution was registered in 1992 as Empils-Bank. In 1996, the organizational and legal form was brought in line with the legislation in force at that time - closed joint-stock company... In 2002, by decision general meeting of shareholders, the bank changed its name to Rosenergobank. In November 2010, the credit institution increased due to an additional issue of shares authorized capital by 600 million rubles (up to 699 million; currently it has reached 988 million rubles). In November 2015, the organizational and legal form of the bank was changed to JSC. Since September 2005 the bank has been a member of the deposit insurance system.

It is worth noting that in 2016 the bank was repeatedly included in the list of violators of the Central Bank's standards in connection with a decrease in the standards for the adequacy of base (N1.1) and main (N1.2) capital below the level set by the regulator. On October 6, 2016, the Bank of Russia announced on its website that Rosenergobank's N1.1 ratio had dropped below 5.125% for six or more days in the reporting month. The consequence of this situation was the termination of the credit institution's obligations under subordinated loan agreements. Thus, the shareholders forgave the bank for subordinated debts, converting them into shares, which made it possible to restore the capital adequacy ratio.

According to the latest available data disclosed on the Central Bank website (as of March 9, 2017), the bank's main beneficiaries were member of the board of directors Natalya Tikhomirova, Galina Garenskikh, Georgy Dzhaniashvili and Alexander Bazulev (10% each), chairman of the board of directors Ilya Morozovsky, Artem Angilov, Dmitry Poleshchuk and Natalya Sinitsyna (8.03% each), Boris Stein (7.72%), Natalya Kuzovleva (7.63%), Yuri Deryugin (7.57%), Vladimir Andreev (4.74%). Minority shareholders accounted for 0.21%. However, even before the end of March 2017, there were changes in the composition of the board of directors and management, as well as in the list of shareholders of the bank. As a result, currently the main beneficiaries of Rosenergobank are board member Lydia Vasilyeva, Alexander Matveev, Georgy Dzhaniashvili and board member Alexander Bazulev (10% each), chairman of the board of directors Konstantin Schwartz, Artem Angilov, Dmitry Poleshchuk and Natalya Sinitsyna (8, 03%), Boris Shtein (7.72%), Natalya Kuzovleva (7.63%), Andrey Didenko (7.57%), Vladimir Andreev (4.74%), minority shareholders account for 0.22%.

Head office credit institution located in Moscow. In addition, the bank has branches in St. Petersburg, Arkhangelsk, Astrakhan, Voronezh, Kazan, Krasnodar, Maikop, Novorossiysk, Perm, Rostov-on-Don, Samara, Saratov, Sochi, Stavropol, Ufa and Yaroslavl. In general, the bank's sales network (excluding the head office) includes 40 divisions and 33 own ATMs. The average number of employees in 2015 was 818 people.

The bank serves both private and corporate clients offering lending services (for individuals - consumer, mortgage, car loans), a line of deposits, bank cards international payment systems MasterCard Worldwide and Union Pay, rental of safes, depository operations, insurance services, Internet banking and mobile bank"EnergoKontakt", Money transfers(Western Union, " gold Crown") And payment for services, salary projects, leasing, service foreign economic activity, bank guarantees, operations with precious metals etc.

At various times, the bank's clients included the Moscow Energy Institute, Rosenergoatom Concern, Kirovenergo JSC, Kostromaenergo JSC, Mordovenergo JSC, Novgorodenergo JSC, Rostovenergo JSC, Caspian Energy Group of Companies, JSC Inkom-Nedvizhimost, OJSC Karta Otechestvo, OJSC Ulyanovsk Mechanical Plant, OJSC Tonar Corporation, OJSC Abi Software, OJSC Kubanenergo, OJSC Metrovagonmash, OJSC Mosoblenergo, MUP Sochiteploenergo , ZAO Zhilishchny Capital, ZAO Transmashholding, etc. The Bank's priority area of ​​activity is the development of lending programs for small and medium-sized businesses, the financial institute participates in joint projects with the Moscow government, in particular in the program of the Fund for Assistance to Lending to Small Business in Moscow.

Since March 2016, the bank's net assets have slightly decreased (-1.9%), amounting to 56.9 billion rubles by March 1, 2017. Per specified period in liabilities, funds of enterprises and organizations almost halved in volume, in addition, the bank repaid almost 90% of its interbank debt. The reduction in the aforementioned liabilities was largely offset by the inflow of deposits from individuals and an increase in equity capital. Even more noticeable structural changes were observed in assets: the bank almost completely got rid of investments in securities and the portfolio of issued interbank loans, reduced the stock of highly liquid assets by 74%. At the same time, the bank has moderately increased its loan portfolio, fixed assets and more than tripled the items of other assets.

The structure of liabilities is poorly diversified. Individual deposits account for 64.2% (a year earlier - 58.3%), funds of enterprises and organizations form 7.5% (13.3%), attracted interbank loans and issued promissory notes - just over 2%. About 18% are own funds... Dependence on funds of individuals is assessed as high. The bank's client base is small, but stable, the turnover on client accounts (mainly represented by balances on the settlement accounts of legal entities) for Last year were at the level of 15-20 billion rubles per month.

The leading position in the structure of net assets is occupied by the loan portfolio - 65.6%. A significant share of assets (20.5%) is immobilized in the form of fixed assets. Other assets account for 11.8% and are mainly represented by claims on other transactions. The share of highly liquid assets does not exceed 2%.

During the period from March 2016 to March 2017, the loan portfolio grew by 8.8%, traditionally largely formed by corporate loans. At the same time, during the analyzed period, the bank increased its portfolio of retail loans by 91% and the portfolio of legal entities by 5.7%. The loan portfolio is predominantly long-term. According to the financial statements, the bulk of corporate loans traditionally fell on trade, services and manufacturing. The level of overdue debt as of March 1, 2017 amounted to 3.8%, almost unchanged over the last year, which is a moderate indicator. The level of provisioning for the portfolio exceeds 9% - the same as in the previous year. The loan portfolio is secured by property pledge by 113%, which is a sufficient level of collateral.

By the reporting date, the bank reduced to an insignificant amount of investments in securities - 0.3% of net assets. Previously, the portfolio was fully represented by investments in bonds, while the credit institution demonstrated significant turnovers in transactions with securities... Volumes conversion operations also decreased since the beginning of 2017, although they remain very noticeable (49-76 billion rubles).

At the end of 2016, Rosenergobank incurred a net loss of 696.5 million rubles under RAS (in 2015, the loss amounted to almost 400 million rubles). The main reason for negative financial result the bank were deductions to the reserve fund for possible losses, as well as high level operating expenses of the credit institution. Following the results of two months of 2017, the bank came out on top - profit amounted to 43.6 million rubles.

Board of Directors: Konstantin Schwartz (chairman), Alexander Bazulev, Lidia Vasilieva, Maria Maklakova, Raymond Miirov, Hubert Albert Pandza, Mark Schreiber.

Governing body: Mark Schreiber (chairman), Mikhail Bogolyubsky, Vitaly Sukhov.

central bank Russian Federation(Bank of Russia)
Press service

107016, Moscow, st. Neglinnaya, 12

On revocation of banking license from credit institution ROSENERGOBANK and appointment of provisional administration

By order of the Bank of Russia dated April 10, 2017 No. OD-942, the license to carry out banking operations from a credit institution Commercial Bank ROSENERGOBANK (joint-stock company) KB REB (JSC) (reg. No. 2211, Moscow).

The credit institution was unable to fulfill its obligations to creditors, in connection with which the Bank of Russia was obliged to revoke its banking license. At the same time, CB REB (JSC), in violation of the relevant instructions of the Bank of Russia, inaccurately reflected in the reports submitted to the supervisory authority information on the unmet claims of creditors. The regulator has repeatedly applied supervisory response measures against the credit institution, including restrictions on attracting deposits from the population.

The problems of KB REB (JSC) arose in connection with the use of an extremely risky business model, low quality of management and assets. In the bank's activities, there were signs of unfair behavior of the management and owners, expressed in the withdrawal of assets (primarily by issuing loans legal entities, in respect of which circumstances were established indicating the absence of real activity) to the detriment of the interests of creditors and depositors, as well as in the preparation of inaccurate financial statements.

Until now, the management and owners of KB REB (JSC) have not taken effective measures to normalize its activities. In the current circumstances, the Bank of Russia on the basis of Article 20 Federal law"About banks and banking»Fulfilled the obligation to revoke the banking license from the credit institution.

Considering that the license from KB REB (JSC) was revoked due to the establishment of the facts of material unreliability of the reporting data, in accordance with part 1.2 of Article 140 of the Criminal Procedure Code of the Russian Federation and Article 75.1 of the Federal Law "On The central bank Of the Russian Federation (Bank of Russia) ”, the relevant materials will be sent by the Bank of Russia to the Investigative Committee of the Russian Federation to resolve the issue of initiating a criminal case on the grounds of a crime provided for in Article 172.1 of the Criminal Code of the Russian Federation.

In accordance with the order of the Bank of Russia dated April 10, 2017 No. OD-943, a temporary administration was appointed in KB REB (JSC) until the appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of the bankruptcy commissioner or appointment in accordance with Article 23.1 of the Federal Law "On Banks and Banking Activities" of the liquidator. The powers of the executive bodies of the credit institution have been suspended in accordance with federal laws.

CB REB (JSC) is a member of the deposit insurance system. The revocation of a banking license is an insured event provided for by Federal Law No. 177-FZ “On Insurance of Individual Deposits in Banks of the Russian Federation” in relation to the bank's liabilities on household deposits, as determined in the manner prescribed by law. The specified Federal Law provides for the payment insurance compensation bank depositors, including individual entrepreneurs, in the amount of 100% of the balance, but not more than 1.4 million rubles in aggregate per one depositor.

According to the reporting data, in terms of assets, CB REB (JSC) as of 03/01/2017 ranked 92nd in banking system Russian Federation.

Decision Arbitration court Moscow of June 30, 2017 (date of announcement of the operative part - June 29, 2017) in case No. А40-71362 / 2017-184-74 Commercial Bank ROSENERGOBANK (Joint-Stock Company) (CB REB (JSC) , hereinafter - the Bank, OGRN 1027739136622, INN 6167007639, registration address: 105062, Moscow, Podsosenskiy lane, 30, building 3) was declared insolvent (bankrupt) and bankruptcy proceedings were opened against it. The functions of the bankruptcy commissioner are entrusted to the state corporation "Deposit Insurance Agency" (hereinafter referred to as the Agency).

By the ruling of the Moscow Arbitration Court dated December 20, 2019, the bankruptcy proceedings against the Bank were extended by 6 months, the court hearing to consider the report of the bankruptcy administrator of the Bank was scheduled for June 22, 2020.

Address for sending mail, including creditors' claims: 127055, Moscow, st. Lesnaya, house 59, bldg. 2.

In accordance with the requirements of paragraph 4 of Art. 61.1. Federal Law No. 127-FZ of October 26, 2002 “On Insolvency (Bankruptcy)” The Agency publishes information on the issuance of judicial decisions based on the results of consideration of applications for recognizing transactions as invalid and applying the consequences of their invalidity.

The bankruptcy commissioner of the Bank submitted applications to the Moscow Arbitration Court on December 22, 2017 and April 6, 2018 to declare transactions invalid and apply the consequences of their invalidity:

1.Banking transactions dated April 7, 2017 on redemption natural person arrears on credit agreement No. 154219 dated January 16, 2017 in the amount of 8 403 401.46 rubles.

2. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154238 dated January 27, 2017 in the amount of 7,324,365.28 rubles.

3. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154213 dated December 29, 2016 in the amount of 7,200,548.91 rubles.

4. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154216 dated December 30, 2016 in the amount of RUB 4,568,533.07.

5. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154229 dated January 24, 2017 in the amount of 8 647 323.43 rubles.

6. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154137 dated July 26, 2016 in the amount of 9,488,668.48 rubles.

7. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154212 dated December 28, 2016 in the amount of 5,263,953.95 rubles.

8. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154220 dated January 17, 2017 in the amount of 8,890,125.88 rubles.

9. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154200 dated December 21, 2016 in the amount of 8,120,448.93 rubles.

10. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154145 dated July 28, 2016 in the amount of 8 086 863.35 rubles.

11. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154184 dated December 14, 2016 in the amount of RUB 9,195,410.51.

12. Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154102 dated June 30, 2016 in the amount of 8,212,140.77 rubles.

13 Banking operations dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154133 dated July 26, 2016 in the amount of RUB 10,702,750.78.

14 Banking transactions dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154185 dated December 19, 2016 in the amount of 8,184,612.36 rubles.

15 Banking transactions dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154224 dated January 19, 2017 in the amount of 7 857 689.28 rubles.

16 Banking transactions dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154177 dated November 3, 2016 in the amount of 8,820,616.95 rubles.

17 Banking transactions dated April 7, 2017 for the repayment of debt by an individual under the loan agreement No. 154126 dated July 21, 2016 in the amount of 10,235,815.39 rubles.

By the decisions of the Arbitration Court dated May 28, 29, 31, June 5 and July 3, 2019, the Bank rejected the applications of the liquidator.

By the decisions of the Ninth Arbitration Court of Appeal of October 14 and 23, 2019, the previously issued judicial acts were left unchanged, the appeals of the bankruptcy administrator of the Bank were dismissed.

By the decisions of the Arbitration Court of the Moscow District of December 25, 26 and 27, 2019, the previously issued judicial acts were left unchanged, the cassation complaints of the bankruptcy administrator of the Bank were dismissed.

18 Banking operations dated March 29, 2017 for the issuance of funds through the cash desk of the Bank in total amount RUB 5,380,000.00 from the account of United Crane Technologies LLC opened with the Bank.

By the ruling of the Moscow Arbitration Court dated June 4, 2018, the bankruptcy administrator's application was partially satisfied, banking operations dated March 29, 2017 were invalidated and the consequences of their invalidity were applied in the form of restoration of the Bank's obligations to United Crane Technologies LLC in the amount of 5,380 RUB 000.00 and collection from LLC "United Crane Technologies" in favor of the Bank of the specified amount. As regards the collection of interest for the use of funds, it was denied.

By the ruling of the Ninth Arbitration Court of Appeal dated August 24, 2018, the specified definition was left unchanged, the appeals of United Crane Technologies LLC and the bankruptcy administrator of the Bank were dismissed.

By the decision of the Arbitration Court of the Moscow District dated November 26, 2018, previously issued judicial acts regarding the refusal to satisfy the Bank's claims on the collection of interest for use in cash- canceled, from LLC United Crane Technologies, in favor of the Bank, interest was collected for the use of funds. In the rest of the said judicial acts were left unchanged, the cassation appeal of United Crane Technologies LLC was not satisfied.

By the ruling of the Moscow Arbitration Court dated October 4, 2019, the application of United Crane Technologies LLC to revise the ruling of the Moscow Arbitration Court dated June 4, 2018 on the basis of newly discovered circumstances and the documents attached thereto were returned to the applicant.

By the decision of the Ninth Arbitration Court of Appeal of December 26, 2019, the ruling of the Moscow Arbitration Court of October 4, 2019 was left unchanged, the appeal of United Crane Technologies LLC was dismissed.