The head of Department of the analysis of financial institutions RIA Rating Andrey Manko considers that this method of attracting deposits may indicate imposed on the Bank “Baltika” restriction on attraction of funds of natural persons from the CBR.
MOSCOW, 9 Nov. The Bank “Baltika”, part of TOP 150 banks in Russia, gives one of his shares with a par value of 1 ruble at opening of the contribution is a natural person, informed the correspondent in a call centre of the credit institution.
According to the head of Department of the analysis of financial institutions RIA Rating Andrey Manko, this method of attracting deposits may indicate imposed on the Bank restriction on attraction of funds of natural persons from the CBR.
Customers of the Bank “Baltika” wrote on the forum information portal Banki.ru that the Bank does not open contributions without issuing shares on the future of the depositor. The Bank says it is technical limitations.
“No, we will not be able to open a Deposit, if you do not take this action: our program is “wired” in such a way that the account is offered only when “oschastlivlivaya” you this action of ruble”, — quotes the portal words of the employee of the Bank.
To the correspondent have confirmed in the call center credit organization the fact of giving shares on Deposit. “We have now made the discovery of deposits of natural persons. At opening of the contribution you will be issued one share of the Bank”, — said in “Baltika”.
In the footsteps of Mosoblbank
In 2011, a similar practice was used by Mosoblbank. At that time the Central Bank issued this Bank requirement restricting the acceptance of deposits from the citizens solely by its shareholders. Then the Bank came up with an original way to bypass this limitation: he was to give the depositors their shares.
“This promotion is similar to the situation with Mosoblbank, which is also massively gave their shares to the investors at the time. If the Bank issued on prohibition of acceptance of deposits, it, as a rule, does not apply to shareholders of the Bank. Therefore, if you first give a potential investor a share (or sell for a nominal sum), then it is possible to make money in the contribution already from the shareholder,” says Manko.
The Chairman of the Central Bank Alexey Simanovsky in December 2011 promised to close this loophole: he said that in the future in a similar situation may be a limit to raise funds only to those shareholders who have a material stake, such as 5%. However, the regulator has tightened this rule.
According to RIA rating, the Bank “Baltika” was held on 1 October, the 150-th place among Russian banks with assets of 28.9 billion rubles. According to the financial statements of the Bank, the obligations of “Baltika” before individuals are of 8.56 billion. The Bank is a participant of the Deposit insurance system.
The maximum rate for deposits of “Baltika” is 13.5% per annum. The banking sector, according to Central Bank data, in September the weighted average interest rate on household deposits with maturity of more than one year is 10.29%.
The Central Bank of the Russian Federation in September 2015 revoked the license for implementation of activity of non-state pension Fund (NPF) “the First Russian pension Fund”, the beneficiaries of which were minority shareholders of the Bank “Baltika” Vasily Shmykov and Yevgeny Fedosov.