MOSCOW, 8 February. The Bank of Russia took a decision to recall from February 8, licenses for banking operations of a credit institution CB “Intercommerz” (Moscow), according to the regulator.
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The decision was made in connection with default by a credit institution Federal laws regulating banking activity and Bank of Russia regulations, the value of the adequacy ratio of own funds (capital) below 2%, reduction of the amount of own funds (capital) below the minimal value of authorized capital.
With a poor quality of assets the Bank did not adequately evaluated taken in connection with these risks. Appropriate credit risk assessment on the request of the Supervisory authority revealed the complete loss of own means (capital) of the Bank. The Bank was involved in questionable conduct of transit operations, says the CBR.
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Due to significant imbalance between assets and liabilities the procedure of financial recovery of CB “Intercommerz” with the involvement of the Agency for Deposit insurance (DIA) and its lenders on reasonable economic terms was not possible, adds the regulator.
CB “Intercommerz” is a member of the Deposit insurance system. Revocation of license for banking operations is insured.
According to statements by total assets of CB “Intercommerz” on January 1, 2016 occupied 67-e a place in the Russian banking system, is included into first hundred banks on the sizes of net assets. Among its shareholders for a number of individuals, with about 10% of the shares. In 2014 the participants of the Bank became the founder of Bank “Hlynov” Kirov region Nikolay Popov, purchasing 9,07% of the credit institution.
“Intercommerz” is a universal Bank offering a full range of banking services to private and corporate clients. In the last two years, by actively developing the retail business, attracting deposits of individuals. In 2015, the Bank began to invite in the well-known bankers. So, in June 2015 the Board of Directors of the credit institution and the Board members are former Vice-President, head of legal Department of the Bank of Russia Sergei Golubev. Among his duties consisted of representing the interests of the Bank in relations with state authorities.
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Also in November of last year to the Board of Directors of the Bank has been invited the former head of the Association of regional banks, currently the Executive Vice-President of the Russian Union of Industrialists and entrepreneurs (RSPP) Alexander Murychev.
“Intercommerz” was the clearing Bank for Rosebank, we have provided uninterrupted maintenance, operations and calculations on cards of this organization. Rosebank is not a financial institution and is not licensed by the Bank of Russia. The company is actively promoting cards and applications for payments through mobile banking in the Internet, by entering into a partnership with credit institutions. Last year, the company’s “rocket” was chosen as a new partner for promoting settlement services of the Bank “Opening”.
The revocation of licenses of the “Alta-Bank”
The Bank of Russia took a decision to recall from February 8, licenses for banking operations from the credit institution commercial Bank “Alta-Bank” (Moscow), according to the regulator.
The banking system of the Russian Federation in 2015. Dossier
The decision was made in connection with default by a credit institution Federal laws regulating banking activity and Bank of Russia regulations. In addition, in connection with loss of liquidity of the Alto Bank is not timely performed the obligations to creditors. The management and owners of the credit institution failed to take efficient measures to normalise its activities.
Alta-Bank appointed a temporary administration valid up to the date of appointment of the bankruptcy Trustee or liquidator. The powers of the Executive bodies of the credit institution are suspended.
CB “Alta-Bank” is the participant of system of insurance of deposits. Revocation of license for banking operations is insured.
According to statements by total assets of CB “Alta-Bank” on January 1, 2016 186 took place in the banking system of the Russian Federation.
Payments to depositors
The Agency for Deposit insurance (DIA) will determine the agent banks for payments to depositors of the Moscow Alta-Bank and Bank “Intercommerz” not later than 12 February 2016, the report said DIA.
While payments to depositors “will start in the terms established by the Federal law “About insurance of contributions of physical persons in banks of the Russian Federation”, – stated in the message.
The application for payout of insurance indemnity can be lodged by the depositors during the entire period of liquidation of the Bank.
DIA recalls that the insurance indemnity is paid to the depositor in the amount of 100% of the sum of all his accounts (deposits) of the Bank, including open for business activity, but not more than 1,4 million rubles in total. The amount not reimbursed by insurance, will be repaid during liquidation of Bank as part of the claims of creditors of the first stage (for accounts of individual entrepreneurs, open for implementation of business activity, – in the third phase).
By Bank Deposit (account) in foreign currency insurance indemnity is calculated in rubles at the exchange rate as of the day of revocation of licenses – February 8, 2016.
The revocation of licenses of credit organizations in 2013 – 2015 years: chronology