North Eastern Alliance Bank Bank guarantee. JSC Joint-Stock Commercial Bank North-East Alliance. How to make a guarantee

Jointy commercial Bank "Northeast Alliance" ( Joint-stock company)

About the revocation of the North-Eastern Alliance credit organization licenses banking operations and appointment of temporary administration

By order of the Bank of Russia of 08/21/2017 No. OD-2376 from 08/21/2017, a license for the implementation of banking operations has a Joint-Stock Commercial Bank North-Eastern Alliance Joint Stock Commercial Bank (JSC) (JSC) (Reg. No. 2768, Moscow). According to the reporting data, the largest assets of the credit organization as of August 1, 2017 held 250th place in banking system Russian Federation. The bank is not a member of the Deposit Insurance System.

Akb "SPE" (JSC) was unable to fully fulfill obligations to creditors, and therefore the bank's activities arose for the implementation of insolvency prevention measures (bankruptcy) and the real threat to the interests of its creditors.

The business model of AKB "SPE" (JSC) was focused on servicing the interests of his owners and was pronounced cape. High-rooted lending to borrowers, directly or indirectly related to the finite beneficiaries of a credit institution, and not carrying out real activities, led to the formation on the balance sheet of the credit organization of a significant amount of "non-working" assets. At the same time, the bank systematically understed the value of the received credit risk and evaded the performance of the requirements supervisory organ On the formation of reserves for possible losses, adequate risks, by the "technical" assets transformation.

The Bank of Russia has repeatedly applied with respect to AKB "SPE" (AO) measures of supervisory response, mainly associated with reserving reserves for possible losses on various assets.

The lack of the owners of the Bank's intentions to carry out real measures to stabilize its financial position indicate the futility of further activities of the credit organization. In the current circumstances, the Bank of Russia decided to withdraw Akb "SPE" (AO) from the banking services market.

The decision of the Bank of Russia is made in connection with the non-fulfillment of the credit institution of federal laws regulating banking activities, as well as the regulatory acts of the Bank of Russia, given the repeated use within one year the measures provided for by the Federal Law "o Central Bank Of the Russian Federation (Bank of Russia), "taking into account the existence of a real threat to the interests of creditors.

In accordance with the order of the Bank of Russia from 08.21.2017 No. OD-2377 in Akb "SPE" (AO), a temporary administration was appointed to the moment of appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of the Competitive Manager or the appointment in accordance with the article 23.1 of the Federal Law "On Banks and banking activities»Liquidator. The powers of the executive bodies of the credit institution in accordance with federal laws suspended.

JSC "Akb Northeast Alliance" (SPE) - small in terms of assets of the Moscow Bank, oriented in its lending activities legal entities, mostly providing financial intermediation services, as well as to work in the market valuable papers. The bank is not included in the deposit insurance system and is not interested in the development of the retail direction.

The Bank was created on a mutual basis in March 1994. Initially, the Northeast Alliance focused on servicing enterprises of the defense and industrial and oil and gas complex, energy and leasing companies. In 2000, became a joint-stock company and received the general license of the Bank of Russia. In 2001, sva worked closely with St. Petersburg Promstroybank, or rather, enjoyed its resources, even the issue of combining banks based on the latter, but this alliance did not take place. In 2002, the bank's account was opened by Rosenergoatom and other nuclear industry enterprises. It is worth it to note that the nuclear industry at that time he overseed the Deputy Prime Minister Ilya Klebanov, and until 2005, the main owner of the North-Eastern Alliance was the chairman of the Board of Directors of the Bank, Sergei Kovanda, belonging to the close surround of Klebanov. In 2005, Vladimir Zotov, Alexander Kondrashin, and Dmitry Chirakadze, and Dmitry Chirakadze, bought, and Dmitry Chirakadze, and Dmitry Chirakadze - Mikhail's partner.

Currently, the main shareholders of the Bank are five societies with limited accomplishments: "Safeir", "Colonmerev", "Finko", "Sv-Development" and "Invest-Service" (owned by 20% of the shares). Dmitry Chirakadze (18%), member of the Board of Directors Vyacheslav Lahmostov (previously held various senior positions) and Natalia Goncharov (12.20%), Love Orlov (8.71%) Sergey Kovanda (8.71%), 28%), Timur Valiev (6.82%), Igor Potapov (4.64%), Ilya Good (4.63%), Andrei Umansky and Igor Aksenov (4%), Sergey Semenov (3.93%) , Maxim Nesterov (1.09%). Another 11.5% of the shares is on the balance of the bank itself. In the disclosed reporting, the person who has a significant impact is subject to Chairman of the Board of Directors Dmitry Chirakadze, who is currently occupied by the post general Director CJSC "Law.ru".

In addition to the head office, located in Moscow, the bank does not have structural units. Does not issue plastic cardsAs a result, its own network of ATMs is also absent.

Bank customers are offered the following types of services: settlement and cash services, lending (including a bill loan, issued by its own bills of AKB "SPE", factoring, Credits of SMEs), other operations with bills of workshops "SPE", bank guarantees, placement of free funds for deposits, brokerage and depositary services, coins from precious metals, collection, operations with securities and others. The share of retail business on the balance sheet of the Finnish Institute is minimal. Among the Bank's customers at different times, JSC Techsnabexport was noticed, OJSC Machine-Building Plant, OJSC NPK Uralvagonzavod, OJSC Rosorlizing, FSUE Rosoboronexport, Kazan Helicopter Plant OJSC, FSUE "Vniesia. N. L. Dukhova, and others According to IFRS reporting, the main borrowers of the bank are companies that provide financial services and mediation (37% of all loans), a noticeable share of the portfolio (16%) accounts for borrowers from manufacturing processes.

The bank is focused on working with corporate clients and does not develop a retail direction. Since 2005, the Northeast Alliance has not entitled to attract funds individualsbecause I did not apply with the petition for participation in the deposit insurance system.

Since April 2017, net assets of the bank decreased by 6.1% (0.5 billion rubles) and by April 1, 2017 amounted to 7.5 billion rubles. In the passive part of the balance for the specified period, there was a reduction own funds Bank (-12.4%, or 0.4 billion rubles). The bank also redeemed a significant part of its own bills in circulation (-88.2%, or 0.1 billion rubles). Repayment of obligations in liabilities The FININASTERT mainly carried out due to the sale of a part of the securities portfolio, as well as due to the reduction loan portfolio (-19.7%, or 0.8 billion rubles). At the same time, the bank has increased the volume of investments in other assets (+ 22.8%, or 0.4 billion rubles) and in highly liquid funds (+ 148.3%, or 0.1 billion rubles).

Bank liabilities are weakly diversified by sources of attraction, more than 44% are represented own capitalThe funds of enterprises and organizations (both balances on the settlement accounts and deposits for a period of one year to three years) are 21.3%, the promissory bills in aggregate form less than 1%, the remaining part of the liabilities is substantially represented by reserves. The client base is small, the client accounts are on average 3-4 billion rubles each month with a noticeable increase in quarterly dates (up to 10 billion rubles).

The main part of net assets is accounted for a loan portfolio (44.52%). Another 28.27% and 12.96% form other assets and investments in securities, respectively. MBK issued by I. highly liquid assets In total, the share of about 6% of the net assets of the credit organization.

Assets, 44.5% forms a loan portfolio, practically completely represented by loans issued to corporate clients. Loans are predominantly medium and long-term. The bank is distinguished by the minimum level of overdue debt (0.8% at the reporting date, stable in the dynamics) with an extremely high level of loans for loans (39.5%, decreases in dynamics). It is worth noting extreme low level Providing a loan portfolio of property deposit - 9.2%.

Investments in other assets form 28.3% of the bank's net assets and are largely represented by the requirements for other operations and means in the calculations, it is worth noting that the portfolio of other assets is reserved by more than 87%. The securities portfolio forms about 13% of net assets. The main part of the papers is formed by the trade portfolio of the shares of Russian issuers. At the same time, the portfolio (almost a quarter of its volume) also created reserves for possible losses. The remaining part of the papers is bonds of Russian banks and OFZ. Monthly revisions on repo transactions are minimal. The volume of highly liquid residues is a minimum proportion in net assets - 2.6%, which, however, corresponds to a low proportion of balances on the settlement accounts in liabilities and the almost complete absence on the balance of the contributions of individuals exposed to early seizures.

In the market of interbank loans and deposits, SPA acts as a net lender, turnover by placed by the MBC for lately There were ranging from 6.8 billion to 20.1 billion rubles. At the reporting date, the entire loans are placed in russian banks For a time to 30 days. The bank is active in conducting currency transactionsThe turnover of March 2017 exceeded 16.0 billion rubles.

According to the reporting on RAS, according to the results of 2016, the bank carried a net loss of 107.7 million rubles (for 2015, a similar indicator was 662.8 million rubles). At the same time, the first quarter of 2017 the Bank finished with pure profit in the amount of 239.3 million rubles. The main reason is negative financial results According to the results of 2015-2016, high expenses of the Bank were highly related to the formation of reserves for possible losses and net losses from securities operations.

Board of Directors: Dmitry Chirakadze (Chairman), Yuri Mamchur, Inna Poleskaya, Sergey Semenov, Vladimir Zotov

Governing body: Vasily Golovinsky (Chairman), Galina Bobryshev, Olga Kalaida.

Alexander Kudryavtsev, banking analyst

By the decision of the Moscow Arbitration Court of November 29, 2017 in case No.A40-178542 / 2017-66-228 AKB "SPE" (JSC) (hereinafter - the Bank) (OGRN 1027739267390, TIN 7707288837, Registration Address: 127055, Moscow, ul. Sostchevskaya, d. 16, p. 3) recognized as insolvent (bankrupt) and in relation to it, competitive proceedings are open. The functions of the competitive manager are entrusted to the State Deposit Insurance Agency (hereinafter - the Agency).

Definition of the Arbitration Court of Moscow of November 27, 2019 competitive production With regard to the Bank extended for six months. Court hearing Under consideration of the report of the competition manager appointed on May 27, 2020

Address for sending mail correspondence: 127055, Moscow, ul. Forest, d. 59, p. 2.

In accordance with the requirements of paragraph 4 of Art. 61.1. Federal Law of October 26, 2002 No. 127-FZ "On Insolvency (Bankruptcy)" The Agency publishes information on the issuance of judicial acts on the results of consideration of applications for recognition of transactions invalid.

1. The competition manager on April 25, 2019. The arbitration court of Moscow sent a statement on recognition of an invalid agreement on express number 66-17 / C d d dated August 14, 2018, concluded between the Bank and LLC Topaz, to terminate the obligations of LLC " Topaz "by credit Treaty № 66/17-K dated 24 April 2017

The definition of the Arbitration Court of Moscow dated December 17, 2019. The statement of the competitive manager was satisfied, the indicated agreement was invalid and the consequences of its invalidity in the form of recovery from LLC Topaz in favor of the Bank of bills with a total nominal value of 14,550 thousand rubles, as well as Restoration of the right claim for the Bank's loan agreement to Topaz LLC.

2. The competition manager on August 21, 2018, in the Arbitration Court of Moscow, a statement was sent to recognize invalid banking operations from July 27 and 28, 2017 to write off from the settlement account of Invest-Service LLC, opened in the Bank, money in the amount of 3 130 364,06 rubles.

The definition of the Arbitration Court of Moscow dated January 21, 2019, was left unchanged by the decision of the Ninth Arbitration Court of Appeal dated March 25, 2019, in satisfying the statement of the bankruptcy trustee.

By the decision of the Arbitration Court of the Moscow District of June 13, 2019, the definition of the Arbitration Court of the city of Moscow dated January 21, 2019 and the Resolution of the Ninth Arbitration Court of Appeal of March 25, 2019 were canceled, a separate dispute aims to a new consideration

The definition of the Arbitration Court of Moscow dated December 17, 2019. The statement of the competitive manager was satisfied, banking operations of July 27 and 28, 2017 were recognized as invalid and the consequences of their invalidity in the form of recovery from the Invest-Service LLC in favor of the cash bank in The amount of 3,130,64,06 rubles, as well as the restoration of the Bank's debt to LLC Invest-Service in the specified amount.

3. The competition manager on August 17, 2018, a statement of recognition of invalid banking operations from 14.15.16 and August 17, 2017 was sent to the Arbitration Court of Moscow from 14.15.16 and August 17, 2017 to write off from the Bank's correspondent account in the benefit of the Regiongazholding JSC in the amount of 78 704 234,51 rub.

The definition of the Arbitration Court of Moscow of February 22, 2019. The statement of the banking manager of the Bank was partially satisfied, banking operations from 15, 16 and 17, 2017 were recognized as invalid and the consequences of their invalidity in the form of recovery from RegionGazholding JSC in favor of the Bank of Cash A total of 72,585,988,73 rubles, as well as the restoration of the Bank's debt before Regiongazholding JSC in the specified amount. Satisfying the rest of the statement of the competitive manager is denied.

The definition of the Arbitration Court of Moscow dated December 17, 2019. The statement of the bankruptcy manager of the Bank was partially satisfied, the banking operation of August 14, 2017 is invalid and the consequences of its invalidity in the form of recovery from Regiongazholding JSC in favor of a cash bank in the amount of 6 118 245.78 rubles, as well as the Bank's debt recovery before Regiongazholding JSC in the specified amount.

From 21.08.2017 A license to carry out banking operations at the Credit Organization Joint-Stock Commercial Bank North-Eastern Alliance (Joint-Stock Company) Akb "SPE" (JSC) (Reg. No. 2768, Moscow). According to reporting data, the largest assets of the credit organization as of August 1, 2017 held 250th place in the banking system of the Russian Federation. The bank is not a member of the Deposit Insurance System.

Akb "SPE" (JSC) was unable to fully fulfill obligations to creditors, and therefore the bank's activities arose for the implementation of insolvency prevention measures (bankruptcy) and the real threat to the interests of its creditors.

The business model of AKB "SPE" (JSC) was focused on servicing the interests of his owners and was pronounced cape. High-rooted lending to borrowers, directly or indirectly related to the finite beneficiaries of a credit institution, and not carrying out real activities, led to the formation on the balance sheet of the credit organization of a significant amount of "non-working" assets. At the same time, the Bank systematically underestimated the amount of credit risk and evaded the fulfillment of the requirements of the supervisory authority on the formation of reserves for possible losses, adequate risks, through the "technical" assets transformation.

The Bank of Russia has repeatedly applied with respect to AKB "SPE" (AO) measures of supervisory response, mainly associated with reserving reserves for possible losses on various assets.

The lack of the owners of the Bank's intentions to carry out real measures to stabilize its financial position indicate the futility of further activities of the credit organization. In the current circumstances, the Bank of Russia decided to withdraw Akb "SPE" (AO) from the banking services market.

The decision of the Bank of Russia is made in connection with the failure to fulfill the credit institution of federal laws regulating banking activities, as well as regulatory acts of the Bank of Russia, taking into account the repeated use of measures provided for by the Federal Law "o Central Bank of the Russian Federation (Bank of Russia)", taking ATTENTION The presence of a real threat to the interests of creditors.

In accordance with the order of the Bank of Russia from 08.21.2017 No. OD-2377 in Akb "SPE" (AO), a temporary administration was appointed to the moment of appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of the Competitive Manager or the appointment in accordance with the 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 in accordance with federal laws are suspended.

Northeast Alliance is a small Moscow bank based on Pai in 1995 for servicing enterprises of the defense industry and oil and gas complex. Currently, it serves companies working in the field of financial intermediation, and does not attract depositors. The main shareholders are five LLC.

The Bank actively cooperates with corporate clients, providing them with warranty for various purposes:

1. Firms and IP, working on the states for the objectives of participation in contests and concluding contracts for No. 44-FZ, 223-FZ, 185-FZ. Minimum size Remuneration for issuing a guarantee is 2300 rubles.
2. Participants in WED guarantees for the FCS, which they provide their obligations on customs payments. Bank is included in the list credit organizationsauthorized to issue such guarantees. In favor of services customs control The bank draws up warranty:

• importers of tobacco products and alcohol in ensuring their obligations to import these goods and the target use of excise stamps;

• owners of high and customs, their obligations to pay for customs duties;
• customs brokers ensure their obligations to pay customs payments;
• all VED participants on payments commitments in deferred commitments.

1. Warranties for FTS are provided:

• tax authorities on behalf of the taxpayer principal that uses the applicant procedure for reimbursement of VAT and guaranteeing the return of the inclined tax paid by the budget;
• manufacturers of excisable products (alcohol-containing or alcoholic), carrying out its implementation as ensuring the payment of excise and exemption from the advance payment.

1. Commercial guarantees, obligations arising from contracts (contracts) for goods, services, work:

• buyers to payment sellers;
• sellers in front of customers for supply obligations;
• sellers in front of buyers on the return of advance in the unused part of it or in full, if the seller has not fulfilled its obligations.

1. Guarantees in favor of the FS, regulating the alcohol market, are issued to ensure the obligations of use on the appointment of special federal brands in accordance with the legislation.

Online guarantees according to the laws No. 44-FZ, №185-FZ and №223-ФЗ

The SPEA AKB offers a convenient way for online guarantees of guarantees for concluded contracts with local and state structures (SP Optima) and commercial firms ("SPE Business", other obligations).

SPE "OPTIMA"

The period of not more than 750 days, the size is within 15 million rubles, the application is considered by the Bank's specialists not more than 3 hours, remuneration from 2300 rubles. Under the conditions of the warranty agreement, a decrease in the value of the contract to the amount is less than 25% of the maximum declared. Documents are signed by the EDS. List necessary documents present here.

How to make a guarantee

1. Send by e-mail to the bank documents with the EDS and the application with the consent to join the Rules of Electronic Document Roll.
2. Having received the consent of the bank to issue a guarantee, pay the commission.
3. Send a guarantee agreement signed by reinforced EDS and get the warranty itself.

The client can also use the feedback form, send a request to the bank. Having received it, the credit specialist will contact the client and will help arrange all the required documents, the salary salary and the original guarantee.

SPE business

As part of this program, the Bank issues all types of guarantees, including commercial, for an unlimited period. The amount of warranty may be more than 15 million rubles. Minimum remuneration of 2300 rubles. It is allowed to obtain an advance on a contract and a decrease as a result of trading its price from the maximum value to any share. The application is considered in agreed by the bank and principal. Documents for this program should be provided on this list.

How to get a

1. Send by e-mail to the bank a list of accomplished similar contracts, balance sheet (F. №1 and 2) for the last reporting year and quarter.
2. Having received the bank's approval for the provision of warranty, send scans of the required documents signed electronic signature to this address. It is also required to join the Rules of Electronic Document Roll.
3. Get a warranty contract from the bank and pay remuneration.
4. Direct the Bank a warranty agreement, signed by EDS, then get the original and scan guarantee.

You can send a request via the feedback form to a specific warranty. Having received it, a specialist in loans and guarantees will contact the client and will help in the design of all documents.