Last, 2016, the year became record by quantity of cases of detection of off-balance deposits — double-entry bookkeeping revealed in nine banks. The amount of unrecorded deposits by 68 thousand accounts amounted to about 57 billion rubles, reports “Kommersant” with reference to the participants of the meeting of the Board of Directors of Deposit insurance Agency (DIA).
The meeting discussed the sharp rise in off-balance sheet deposits, which were identified after reviews of licenses of banks. In 2016, there were 88 accidents, payments reached 569 billion.
The newspaper writes that the largest Bank, which did not account for customer deposits has become Arksbank. It was unrecorded deposits 40 thousand people worth more than 35 billion rubles According to the publication, in the same financial institution for the longest time, there was a “secret” accounting — about one and a half years.
The interlocutors of “Kommersant” familiar with the position of the DIA, indicate that the growth of off-balance sheet deposits may provoke and “professional” investors. This is the type of customers who repeatedly place deposits to 1.4 million rubles. (within the insured amount) in banks with the highest return, regardless of their reliability.
According to ASV, all the time about 160 thousand depositors received insurance compensation is more than three times. With almost three thousand employees insurance payments were recovered more than 20 times. One customer asked for insurance reimbursement is more than 100 times. The newspaper points out that “professional” investors account for about 40% of all payments of ASV.
The sources the Agency believes that the growth in the number of such investors has led to changes in fraud of the bankers: “Previously, the owners of the banks focused on theft of the assets, now do easier — from stealing funds from the public”.
Chief analyst of Sberbank Mikhail Matovnikov believes that this scheme is not much different from the withdrawal of assets, but it also concerns a category of customers whose funds are insured by law. In his opinion, investors practically do not lose income if to increase term of payment of insurance compensation of up to six months (now it is two weeks).
In ASV yesterday have not commented on the situation with off-balance-sheet deposits.