It’s like a bad dream
Since the beginning of the Stripping of the banking sector in 2013 informational attack on banks has increased considerably and has taken on new forms, write Maksym Vasin and Anton Zapolsky from the NRA in his study of “Informational attack on banks: assessment of direct loss and long-term consequences”. In the fall of 2013, when the Central Bank withdrew the license at Bank “Pushkino” (from this point on it is accepted to count the beginning of the Stripping of the banking sector) before the end of 2015, the NRA averaged 12 information attacks on banks, in seven cases it was possible to calculate the damage, namely the amount of outflow of deposits.
“In a situation of frequent reviews of licenses, customers, even large and seemingly stable banks seriously nervous. Almost every negative message about the Bank and its potential problems leads to the fact that depositors are trying to withdraw their money. Such an atmosphere of nervousness and uncertainty significantly increases the efficiency of information attacks than willing to use unscrupulous competitors,” explains frequent information attacks PR Director NRA Anton Zapolsky. According to him, in a situation of economic crisis and growing competition, the temptation to cause panic among the customers of a competing Bank and to entice them to itself is very great.
Stronger than all from information attacks during the period analyzed suffered Sberbank, investors in the midst of a currency panic on 16 December 2014 took 300 billion rubles, and for the week to 1.3 trillion rubles. Then clients of the savings Bank received text messages about alleged blocking of their funds. Chairman of the Board of Sberbank German Gref later even quoted those posts: “the savings Bank under sanctions, I have accurate information from Visa and MasterCard that in two days all the card services of the savings Bank will be blocked and your funds will be blocked and withdrawn”.
Investors “make money through all possible our devices, through our physical branches and ATMs,” said Gref. “Never in a bad dream we couldn’t imagine that it’s possible,” he said.
“In addition to SMS-attacks was the sharp devaluation, which also influenced the actions of depositors,” — says the press service of the request .
Large information attack was made on Alfa-Bank in October last year, when its customers received text messages urging them to take the money. In the same month, the depositors withdrew from the Bank 15.6 billion rubles, the Press service of Alfa-Bank then explained the outflow of foreign currency revaluation and did not associate it with an information attack.
No the media has not done
Some banks were exposed to information attack after revocation of licenses of the large banks. So, after the Bank “Pushkino” has lost the licence in September 2013, customers of the Bank “Revival” in October began to receive text messages about the alleged revocation of the license. Basically the message came residents of suburban towns where the Bank has a wide ATM network. As a result of the attack, “Revival”, according to the estimates of the NRA, has lost 2 billion rubles customer funds. “The outflow was indeed at that level, but definitely confirm that this is a direct consequence of SMS attacks, for obvious reasons, is hardly possible. On the other hand, other reasons for that age we have not revealed”, — said the press service of the Bank “Revival”.
A year later, in September 2014, the Central Bank revoked the license of Yekaterinburg Банка24.Roux, and then began a massive information attack on the Ural banks. On Internet forums and SMS messages began to spread appeals to withdraw money of the largest regional banks — Bank, SKB-Bank, VUZ-Bank and Bank “Ring of Ural mountains” and “Neiva”. As a result, the branches of these banks formed a queue of those wishing to withdraw their funds. According to the NRA, five punks in result of total lost of 10.5 billion rubles.
Negative information about banks in the media also becomes a cause for panic. The most famous “victim” — Svyaznoy Bank, which lost a quarter of their deposits after the article in the newspaper “Kommersant” in November 2014 about a problem with the repayment of the debt by businessman Maxim Nogotkov (at the time was a shareholder of the Bank). Former press Secretary Svyaznoy Bank Anton Goltsman, whose words are quoted in the report of the NRA, said that in a period following the date of publication of the week, depositors withdrew from the Bank about 25% of all funds of clients or about 11 billion roubles.
The depositors of the Moscow industrial Bank in December 2014 was taken from their accounts to 2 billion rubles. This happened, as stated in the NRA report, after publication of the Voronezh on the Internet portal 36on.ru in which it was alleged that the Bank will soon be revoked license. The Ural Bank sued, and then signed with the portal settlement agreement in which the defendant had undertaken to publish a refutation and pay compensation in the amount of 100 thousand rubles.