The Department of Public Relations of the state corporation “Deposit Insurance Agency” (DIA) reports that October 10, 2016 payments begin insurance compensation to depositors of the credit institution Bank VPB (JSC) (Moscow).
By Order of the Bank of Russia dated September 26, 2016 No. OD-3258, this credit organization’s license to operate banking operations, which is an insured event provided for by the Federal Law “On Deposit Insurance individuals in banks Russian Federation" In accordance with it, bank depositors, including individual entrepreneurs(IP) have the right to receive insurance compensation on accounts (deposits) opened with this credit institution. The obligation to pay insurance compensation is assigned to the DIA, which performs the functions of the insurer.
Insurance compensation is paid to the depositor in the amount of 100 percent of the amount of all his accounts (deposits) with the bank, including those opened for entrepreneurial activity, but not more than 1.4 million rubles in total. The amount not compensated by insurance will be repaid during the liquidation of the bank as part of the claims of creditors of the first priority (for accounts (deposits) of individual entrepreneurs opened for business activities - as part of the third priority). By bank account(contribution) to foreign currency insurance compensation is calculated in rubles at the Bank of Russia exchange rate on the day of license revocation - September 26, 2016. If there are counterclaims from the bank to the depositor, their amount is deducted from the amount of accounts (deposits) when calculating the insurance compensation. In this case, the repayment of counterclaims does not occur.
Acceptance of applications for payment of compensation for deposits and other necessary documents, as well as payment of compensation is carried out with October 10, 2016 By October 10, 2017 through VTB 24 (PJSC),JSC Rosselkhozbank And RNKB Bank (PJSC), acting on behalf of the DIA and at its expense as agent banks. After October 10, 2017, acceptance of applications, other necessary documents and payment of compensation will be carried out either through agent banks or the DIA independently, which will be announced additionally.
In accordance with federal law Payment of compensation for deposits is carried out during the entire period of liquidation of the credit institution.
Attention to depositors: each of the agent banks is authorized to pay compensation only to a certain group of depositors of Bank VPB (JSC), depending on the initial letter of the depositor's last name and his place of residence (registration address). The distribution of depositors of Bank VPB (JSC) was carried out taking into account information about their residence address (registration address) available at the bank.
The depositor has the right to contact any of the divisions of the corresponding agent bank indicated on the official DIA website on the Internet.
Depositors of VPB Bank can receive compensation for opennot for business activitiesaccounts (deposits) both in cash and by transfer Money to an account in a bank that is a participant in the deposit insurance system, indicated by the depositor.
Payment of compensation for open for business activities accounts (deposits) is made only by transferring the amount of compensation to the account specified by the depositor in a bank - a participant in the deposit insurance system, opened for business activities.
The investor can apply for payment of compensation either personally or through his representative, whose authority must be confirmed by a notarized power of attorney (an example text of the power of attorney is posted on the official DIA website on the Internet: www.asv.org.ru, section “ Deposit insurance/Document forms").
If, after payment of compensation, the bank's depositors still have an outstanding portion bank account(deposit), then they will be able to formalize the creditor’s claim to the bank by filling out the appropriate section in the application for payment of compensation for deposits when contacting a department of the agent bank for payment of compensation.
Depositors of VPB Bank can obtain information about the list of agent bank divisions that make compensation payments and their operating hours by calling the following hotline numbers: VTB 24 (PJSC) — 8-800-505-24-24,JSC Rosselkhozbank - 8-800-200-02-90,RNKB Bank (PJSC) — 8-800-234-27-27.
An information message on the procedure for paying insurance compensation is published on October 10, 2016 in Rossiyskaya Gazeta.
To the attention of depositors of Bank VPB (JSC) who opened accounts (deposits) or replenished accounts (deposits) after August 29, 2016, with the exception of depositors of the St. Petersburg, Novosibirsk and Rostov branches: due to the failure of the bank management to transfer the automated banking system to the temporary administration as of September 26, 2016, information about such operations may not be taken into account in the register of the bank’s obligations to depositors. In addition, the provisional administration identified signs of fraudulent activities with deposits and accounts, expressed in unauthorized write-off client funds.
In this regard, depositors of Bank VPB (JSC) are recommended to have with them the originals or duly certified copies of documents confirming the deposit of funds when contacting the agent bank for payment of compensation.
In case of disagreements related to the amount of compensation for deposits, or the absence of information about the depositor in the register of insurance payments, the depositor may submit a statement of disagreement with the amount of compensation (hereinafter referred to as the statement of disagreement) to the agent bank for transferring it to the DIA with the attachment of originals or duly certified copies of documents confirming the validity of the depositor’s requirements: agreement bank deposit(accounts), receipts and expenses cash orders etc. (hereinafter referred to as additional documents), as well as copies of an identity document.
If the depositor submits the originals of additional documents to the agent bank, then the agent bank copies them, certifies that the copy is true to the original, and attaches copies of the documents to the statement of disagreement, which is submitted to the DIA. The agent bank returns the original documents to the applicant. If the depositor submits duly certified copies of additional documents to the agent bank, then the agent bank attaches them to the statement of disagreement, which is submitted to the DIA.
The depositor can independently send a statement of disagreement by mail to the DIA, attaching originals or duly certified copies of additional documents, as well as a copy of an identification document.
Registration information DIA statements about disagreement, about the beginning of its consideration and about the possibility of obtaining additional amount insurance compensation will be available to depositors of Bank VPB (JSC) through the special service “Find out the status of a statement of disagreement” on the official website of the DIA (section “Deposit insurance/ Insurance cases"/ "VPB" Bank (JSC)).
Detailed information about the payment of compensation, as well as the time, form and procedure for accepting applications for insurance compensation can be obtained by phone hotline DIA (8-800-200-08-05), as well as on the DIA website (www.asv.org.ru, section “Deposit Insurance/Insured Events”).
For reference:
According to the received register of obligations of Bank VPB (JSC) for the payment of insurance compensation in the amount of about 28.7 billion rubles. About 78 thousand investors can apply, including about 760 investors who have accounts (deposits) for business activities in the amount of about 70 million rubles.
Insurance compensation will be paid in 47 constituent entities of the Russian Federation, including Moscow and the Moscow region for payment of insurance compensation in the amount of about 19 billion rubles. About 53 thousand investors can apply in St. Petersburg and Leningrad region in the amount of about 1.7 billion rubles. about 3.3 thousand investors can apply, in the Ryazan region for an amount of about
RUB 1.8 billion About 4 thousand investors can apply in the Rostov region for an amount of about 440 million rubles. about 800 investors can apply to Novosibirsk region in the amount of about 680 million rubles. About 1.4 thousand investors can apply.
The Department of Public Relations of the state corporation “Deposit Insurance Agency” (DIA) announces that on October 10, 2016, insurance compensation payments to depositors of the credit organization Bank VPB (JSC) (Moscow) will begin.
By Order of the Bank of Russia dated September 26, 2016 No. OD-3258, this credit organization’s license to carry out banking operations was revoked, which is an insured event provided for by the Federal Law “On Insurance of Individuals’ Deposits in Banks of the Russian Federation.” In accordance with it, bank depositors, including individual entrepreneurs (IP), have the right to receive insurance compensation for accounts (deposits) opened with this credit institution. The obligation to pay insurance compensation is assigned to the DIA, which performs the functions of the insurer.
Insurance compensation is paid to the depositor in the amount of 100 percent of the amount of all his accounts (deposits) with the bank, including those opened for business activities, but not more than 1.4 million rubles in total. The amount not compensated by insurance will be repaid during the liquidation of the bank as part of the claims of creditors of the first priority (for accounts (deposits) of individual entrepreneurs opened for business activities - as part of the third priority). For a bank account (deposit) in foreign currency, insurance compensation is calculated in rubles at the Bank of Russia exchange rate on the day of license revocation - September 26, 2016. If there are counterclaims from the bank to the depositor, their amount is deducted from the amount of accounts (deposits) when calculating insurance compensation. In this case, the repayment of counterclaims does not occur.
Acceptance of applications for payment of compensation for deposits and other necessary documents, as well as payment of compensation, is carried out from October 10, 2016 to October 10, 2017 through VTB 24 (PJSC), JSC Rosselkhozbank and RNKB Bank (PJSC), acting on behalf of DIA and at its expense as agent banks. After October 10, 2017, acceptance of applications, other necessary documents and payment of compensation will be carried out either through agent banks or the DIA independently, which will be announced additionally.
In accordance with federal law, payment of compensation for deposits is carried out during the entire period of liquidation of the credit institution.
Attention to depositors: each of the agent banks is authorized to pay compensation only to a certain group of depositors of Bank VPB (JSC), depending on the initial letter of the depositor's last name and his place of residence (registration address). The distribution of depositors of Bank VPB (JSC) was carried out taking into account information about their residence address (registration address) available at the bank.
The depositor has the right to contact any of the divisions of the corresponding agent bank indicated on the official DIA website on the Internet.
Depositors of VPB Bank can receive compensation for accounts (deposits) opened for non-business purposes, either in cash or by transferring funds to an account in a bank participating in the deposit insurance system specified by the depositor.
Payment of compensation for accounts (deposits) opened for business activities is made only by transferring the amount of compensation to the account specified by the depositor in a bank participating in the deposit insurance system, opened for business activities.
The investor can apply for payment of compensation either personally or through his representative, whose authority must be confirmed by a notarized power of attorney (an example text of the power of attorney is posted on the official DIA website on the Internet: www.asv.org.ru, section “ Deposit insurance/Document forms").
If, after payment of compensation, the bank's depositors have an outstanding part of their bank account (deposit), then they will be able to formalize the creditor's claim against the bank by filling out the appropriate section in the application for payment of compensation for deposits when contacting the department of the agent bank for payment of compensation.
Depositors of VPB Bank can obtain information about the list of agent bank divisions that make compensation payments and their operating hours by calling the following hotline numbers: VTB 24 (PJSC) - 8-800-505-24-24, JSC Rosselkhozbank - 8-800-200-02-90, RNKB Bank (PJSC) - 8-800-234-27-27.
An information message on the procedure for paying insurance compensation is published on October 10, 2016 in Rossiyskaya Gazeta.
To the attention of depositors of Bank VPB (JSC) who opened accounts (deposits) or replenished accounts (deposits) after August 29, 2016, with the exception of depositors of the St. Petersburg, Novosibirsk and Rostov branches: due to the failure of the bank management to transfer the automated banking system to the temporary administration system as of September 26, 2016, information about such transactions may not be taken into account in the register of the bank’s obligations to depositors. In addition, the temporary administration identified signs of fraudulent activities with deposits and accounts, expressed in unauthorized debits of client funds.
In this regard, depositors of Bank VPB (JSC) are recommended, when contacting the agent bank for payment of compensation, to have with them the originals or duly certified copies of documents confirming the deposit of funds.
In case of disagreements related to the amount of compensation for deposits, or the absence of information about the depositor in the register of insurance payments, the depositor may submit a statement of disagreement with the amount of compensation (hereinafter referred to as the statement of disagreement) to the agent bank for transferring it to the DIA with the attachment of originals or duly certified copies of documents confirming the validity of the depositor’s requirements: bank deposit (account) agreement, cash receipts and expenditures, etc. (hereinafter referred to as additional documents), as well as copies of an identity document.
If the depositor submits the originals of additional documents to the agent bank, then the agent bank copies them, certifies that the copy is true to the original, and attaches copies of the documents to the statement of disagreement, which is submitted to the DIA. The agent bank returns the original documents to the applicant. If the depositor submits duly certified copies of additional documents to the agent bank, then the agent bank attaches them to the statement of disagreement, which is submitted to the DIA.
The depositor can independently send a statement of disagreement by mail to the DIA, attaching originals or duly certified copies of additional documents, as well as a copy of an identification document.
Information about registration of a statement of disagreement with the DIA, the beginning of its consideration and the possibility of receiving an additional amount of insurance compensation will be available to depositors of Bank VPB (JSC) through the special service “Find out the status of a statement of disagreement” on the official website of the DIA (section “Insurance” deposits/Insured events/"VPB" Bank (JSC)).
Detailed information about the payment of compensation, as well as the time, form and procedure for accepting applications for insurance compensation can be obtained by calling the DIA hotline (8-800-200-08-05), as well as on the DIA website (www.asv.org .ru, section “Deposit Insurance/Insured Events”).
According to the received register of obligations of Bank VPB (JSC) for the payment of insurance compensation in the amount of about 28.7 billion rubles. About 78 thousand investors can apply, including about 760 investors who have accounts (deposits) for business activities in the amount of about 70 million rubles.
Insurance compensation will be paid in 47 constituent entities of the Russian Federation, including Moscow and the Moscow region for payment of insurance compensation in the amount of about 19 billion rubles. About 53 thousand depositors can apply in St. Petersburg and the Leningrad region in the amount of about 1.7 billion rubles. About 3.3 thousand investors can apply, in the Ryazan region in the amount of about 1.8 billion rubles. About 4 thousand investors can apply in the Rostov region for an amount of about 440 million rubles. About 800 depositors can apply, in the Novosibirsk region in the amount of about 680 million rubles. About 1.4 thousand investors can apply.
The message from the Bank of Russia states that VPB, in particular, did not comply with legislation regarding combating money laundering
Moscow. September 26. website - The Bank of Russia has revoked the license for banking operations from the Military Industrial Bank (VPB, Moscow), the Central Bank said in a statement.
"Given the unsatisfactory quality of assets, VPB inadequately assessed the risks assumed in connection with this. Proper assessment credit risk and objective reflection of the value of assets in the reporting of a credit institution led to its complete loss own funds(capital),” the regulator said in a statement.
In addition, the bank did not comply with the requirements of legislation in the field of combating the legalization (laundering) of proceeds from crime and the financing of terrorism in terms of timely submission of information to the authorized body.
The provisional administration represented by the Deposit Insurance Agency, having begun to fulfill its duties, encountered significant difficulties in its work due to the actions of the bank’s management, which did not ensure the transfer of title documents to the assets of the credit institution, the Central Bank notes.
A temporary administration has been introduced at the bank until a bankruptcy trustee or liquidator is appointed.
The credit institution is a participant in the deposit insurance system.
Payments to depositors will begin no later than October 10, the DIA reported. Agent banks will be selected on a competitive basis until September 30.
The bank's work was actually suspended
At the beginning of September, it became known that the Central Bank disconnected the Military-Industrial Bank from the BESP payment acceptance system. VPB introduced restrictions on cash withdrawals from deposits, as well as from bank cards and stopped accepting new funds from citizens.
Chairman of the Board of Directors of VPB Yuri Koltok told Vedomosti that the regulator had actually stopped the bank’s work. Thus, a financial institution cannot increase the balance of any individual accounts, and in order to issue funds from a deposit, it needs to transfer funds from the deposit account to the current one. VPB is now unable to accrue interest on deposits, credit salaries and pensions. VPB also has a limit on the turnover of funds in the accounts of legal entities - no more than 6 billion rubles per month.
Koltok noted that the bank asked for clarification from the Central Bank, but did not receive an answer, and therefore filed an application with the Moscow Arbitration Court to recognize the decisions and actions of the Bank of Russia as illegal.
Interim management
On September 16, the Bank of Russia introduced a temporary administration in the Military-Industrial Bank represented by DIA for a period for six months. The regulator suspended the powers of the bank's management bodies for the period of activity of the temporary administration related to making decisions on issues within their competence. The Central Bank also limited the rights of the bank’s founders related to participation in its authorized capital, including the right to convene general meeting shareholders.
The introduction of a temporary administration was aimed at gaining operational control over the activities of the bank; this measure will ensure the protection of the interests of depositors and creditors.
The largest shareholders of the Military Industrial Bank are citizens of the Russian Federation: Alexander Kachur - 18.8%, Vasily Nosal - 20.6%, Mkrtich Pichikyan - 6.6%, another 7.3% belong to Camelot LLC, 7.1% - Rhodes LLC.
Based on the results of the first half of 2016, Military Industrial Bank took 98th place in terms of assets among Russian banks in the Interfax-100 ranking prepared by Interfax-CEA. The volume of the bank's liabilities to individuals as of August 1 amounted to 30.7 billion rubles. . According to the Bank of Russia, as of September 1 of this year, in terms of assets, this credit organisation ranked 89th in banking system RF.
