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for such an operation, there is widely known in narrow circles circuit – captured a small bank, after it held the money and then he “kill.” The scheme is developed in detail. It knows not only gangsters, but also the bankers, and law enforcers. Typically, such a massacre of small banks operating without denial, because those who know about the scheme and it must be fought for different reasons in no hurry to do so.
But there are exceptions and when the bank and his leadership is beginning to resist and survive against all odds. The case of this rare, and therefore interesting.
Tough Nut
In 2005, several people have acquired a small commercial bank “Intelfinans. At the time of purchase, he says, breathing in the incense “- heavy losses, the inability to eliminate the comments of the Central Bank of Russia, the fall of the capital below the bank’s charter, failure to satisfy the requirements of the statute in the formation of reserve bank. In the end, “Intelfinans” is in the so-called “blacklist” the Central Bank of Russia and was sold for a very small amount to the bank.
According to Russian law, banks must report on all major entry to the supervisory authority — Rosfinmonitoringom. A Central Bank of Russia following the circulation of money. When the behavior of a bank becomes suspicious, and check if the suspicion justified, revoke the license.
first case of revocation of a license under the Federal Law “On counteraction to legalization (laundering) of proceeds of crime and the financing of terrorism “occurred in 2004 with Sodbiznesbankom. He violated the Federal Law N 115, which is also called “antiotmyvochnym” law. The first taken away on the grounds that the license has made the effect of break-bombs. Informed publicly of the Central Bank first deputy chairman Andrei Kozlov. And two years later he was killed, as determined by the Court, by order of Alexei Frenkel, who called himself “the leader of the Moscow otmyvochnogo business”.
But none of the serious crime of money laundering individuals without aid officials have not received yet. From the rostrum, said that bribes in Russia at hundreds of billions of dollars a year.
And in such cases it is not mzde pasportistke or traffic police officer, while on the business of corruption, where the size of occasional bribes amount to hundreds of thousands and tens of millions.
rumored, after the assassination of CBR First Deputy Chairman Andrei Kozlov price of illegal cashing of money through the bank recorded an average of approximately five to six per cent, up to this income and up to eight to ten.
majority of schemes for the legalization of criminal money simple. Since none of the reputable banks have not taken over the operation of illegal cash, usually creates a firm odnodnevka, which are fictitious contracts. Such a company must have a bank account, was originally condemned to revoke the license, the so-called “burn.” More often than not, several companies and several banks: First Bank of the one from which the payment is, the second – which passes through the correspondent, the third – actually “obnalny (” burning “). There are also schemes to the conclusion through “burning” Bank of fictitious contracts abroad.
But in any case, the principal and most valuable link in the criminal scheme of the chain is considered to be doomed bank. A few weeks before she was killed after a bank pump huge sums, he manages to bring the owners of the scheme, hundreds of millions of dollars of commissions.
They were looking for FBI
get the bank to criminal transaction costs in half or three million dollars, but the amount of profit for the month of may make a billion or more. However, buying the bank, especially in front of people, the process is not simple, but when organized “business” jobs that should be put on stream, the clients are not waiting.
Recently, the Russian newspaper wrote about the native Odessa Yevgenia Sluskera, known in Russia as Yevgeny Dvoskin. For this man in our country especially the FBI agents arrived to help them find and detain the man. Our law enforcement agencies that have promised.
Zhenia Dvoskin, he Slusker, Shusker, too, Shuster, Altman, Kozin and Lozin. The Russian press has repeatedly told him: the man in the 90-ies promyshlyal in petty machinations of the U.S. excise tax on diesel and securities fraud and was deported as a result of the States. From there, moved to Russia, where he became widely known in certain circles in Moscow “businessman”, turn their millions!
But before the formal request for the FBI to extradite him for the last few years that people in Russia or who do not hiding. Slusker-Dvoskin traveled to Moscow, took part in obnalnyh bank fraud. Went persistent rumors that it was covered with people in uniform nemalenkih.
According to the Ministry of Internal Affairs, addressed Sluskera-Dvoskina linked to a chain of banks. They all passed under the control of a strange way. Shareholders often do not even suspect what is happening. Many of them learned about the real situation with hindsight, when the bank had already perished. In the Bank appoints the external management and revoked license, and this phenomenon has become systemic in nature.
Following the election of Mikhail Zavertyaeva chairman of CB Intelfinans “he managed through the competent organizations of the problem is financial institutions are not only to remove all claims to the size of the Central Bank. Zavertyaev initiated a re-verification is already a bank by the Central Bank, and received a positive opinion on the line CB Intelfinans “and his new management requirements for banks within the system of deposit insurance.
With new leadership” Intelfinans “for the first time in its existence came in the top most profitable and efficient banks rated RBC. Home – Bank has to pay taxes in more than 52 times and went into the “white list” of FAS.
After a successful bank is in the field of view “invaders.” First there were the classic reyderskie attempts to bring criminal cases. Then the very Zavertyaevu were to offer to resolve the fate of the bank for a solid amount. The amount of the proposed bribe directly to the Chairman of the Board Michael Zavertyaevu, he said, grew from 500 thousand dollars to 1 million 200 thousand. Buy the Chairman was unable to.
Mikhail Ivanovich says:
– It is difficult times. Although even in these years we have lived with the constant growth – about 20 percent of the bank’s own capital. Exceptions were only April and May 2007. Then CB Intelfinans was physically seized by raiders at a month and a half. However, when I got access to his legitimate job, I not only restored the bank’s own capital, but also provided a positive quarterly balance. Then, still holding more than a year with colleagues from the defense reyderskogo capture.
According Zavertyaeva, a very interesting position of individual bureaucrats License Management Moscow territorial administration Central Bank. According to his data, they are for two years writing a bona fide parties slalom bank to refuse to register them as participants and members of the board of directors of CB Intelfinans, depriving them of their rights and resist raiders.
As the Chairman of the Board was unable to buy, he was frightened by the criminal section. The grounds for such “promises” were. One of the bank wanting to father – a member of the MIA. Hints quickly become a reality. 6 April 2007, Mikhail Ivanovich arrested for 10 days. It then said Zamoskvoretskaya Court, the arrest was made “without lawful justification”.
April 21, after the liberation Zavertyaeva of the IVS, a citizen reported yesterday prisoner, that their opportunities are much greater and, unless it is pliant, it will be until the end of life. The threat does not act, and May 7, had a seizure of power CB Intelfinans. But not for long. Already 13 June 2007, in the investigation of a criminal case the Bank was released from the invaders. Legitimate administration under the leadership of Mikhail Zavertyaeva been restored normal activity of the Bank.
But more was very interesting. Referring to shortcomings in the period from 7 May to 13 June, when the bank was seized by raiders, head of the 5-th Branch of the Moscow City Territorial Management AG Korneshov issued an on the Limitation of the Bank. This official, probably does not notice the positive dynamics of the bank after the release of the premises to deal with investigative bodies. And that the bank has officially recognized the victim as a result of the seizure reyderskogo.
Vanity around the bank did not stop there. In late November 2007, describes itself as Zavertyaev, it came to other people. He offered a lot of money for illegal banking transactions. And the refusal stated that the appropriate officials have already paid. Realizing the seriousness of the situation, Michael Zavertyaev made a formal statement on the upcoming seizure CB Intelfinans “in the UK with the Ministry of Internal Affairs of Russia. But that did not stop, and 5 December 2007 the bandits went to the seizure of power.
According to the story Zavertyaeva, Slusker-Dvoskin directly under the sight of hidden surveillance cameras in the room broke the Chairman of the Board Michael Zavertyaeva and podelnikami brutally beaten by their chairman. As a result, Michael has been in SRI Zavertyaev ambulance to them. Sklifosovskogo. Where and spent more than two months
With respect to the invaders was prosecuted N 169277. But while these people thought that the winners, just a few weeks in light of unknown PNs CB Intelfinans for the sum of 5 million rubles.
According Zavertyaeva first payee these securities has been firm from the Rostov-on-Don, which is not a client of the bank.
– I made a formal statement that the counterfeit bills, and handed the staff of the Agency for Deposit Insurance documents in a criminal case N 140806. I demanded to have the counterfeit bills in the criminal case, in order to avoid fictitious bankruptcy CB Intelfinans “.
Once in hospital, Zavertyaev the same day the news of the incident management of the Central Bank. He asked the bank to suspend the license of the CB Intelfinans “to prevent an illegal banking operations at the premises of the bank, seized by raiders.
Strangely enough, the expected Zavertyaevym response to a letter was received. And through the N 5 MGTU daily cashed a lot of money. This amount was more than the annual total turnover CB Intelfinans “- more than 600 million rubles a day. According to chairman of the board, the money was released on obviously forged documents that were later found to handwriting experts in the investigation of criminal cases.
Main correspondent banks were at the time warned that Zavertyaev in hospital and financial documents are not valid. However, payments have continued to take place and license neotzyvalas even a month and a half.
Day bank turnover increased a hundredfold. Thus, the total amount of illegally obtained money through a bank Intelfinans “amounted to 11 billion 700 million rubles. Of these, 7 billion were cashed within 20 days, while the rest sent to the accounts of foreign companies. This proved the result of the sum. Although, in the words of Michael Zavertyaeva, there is every reason to believe that through the accounts of the bank was actually a money ten times more.
Today, the bank held by a court of the aggrieved party, but his license had not yet recovered and activity is not restored. Total today bustle around the bank filed 9 cases. So far, authorities have been slow to respond to the request of Mikhail Zavertyaeva merge at different times of criminal proceedings for wrongful actions of one group of raiders in general a great deal. Perhaps, and future court on this bank will be telling.
because today “Intelfinans, perhaps, the only financial institution that was able to withstand a serious attack and achieve a legitimate investigation. This precedent is very important, because today the volume of illegal banking operations in Russia became threatening. Deputy Central Bank of Russia Viktor Melnikov evaluated to 1 trillion rubles, while at one hundred and four banks in the country was revoked license for a violation of “antiotmyvochnogo” law. And Melnikov said that 1 trillion rubles a year – only 26 per cent of all suspicious transactions in the financial sector.
Russia was not convinced in the ability of Belarus to ensure repayment of the resources involved, therefore, may delay the provision of Minsk tranche of 500 million dollars – about this yesterday, said Russian Finance Minister Alexei Kudrin. According to RBC daily, at a later meeting, Prime Minister of Russia Vladimir Putin and Belarusian President Alexander Lukashenko, the Russian side had put forward a number of conditions, only when that Minsk could expect to receive the next tranche. However, public criticism of Alexander Lukashenko, Vladimir Putin is considered unnecessary.
Desant Russian politicians arrived yesterday in Minsk to attend a meeting of the Council of Ministers of the Union State of Russia and Belarus. However, the Union said short – had focused on financial issues. Tone asked Alexei Kudrin, immediately stated: «We can face insolvency of the Belarusian economy at the end of this year or next year». According to him, the Belarusian ruble rate is constrained by the spending of foreign reserves – for the first quarter of them had spent more than $2 billion, accounting for more than a third of all of Belarus.
However, Moscow has that avoids publicly criticize Alexander Lukashenko – on the basis of private talks with Vladimir Putin said that the Belarusian economy in crisis demonstrated good growth and in 2009 its GDP could increase by 1,2-1,5%. Mr. Lukashenko, in turn, reminded of the need to accelerate the establishment of the Union State, although there was still one and a half months ago, wanted to erect the border with Russia. However, according to a source of RBC daily in the Belarusian Foreign Ministry, Russia’s prime in private conversation recalled the Belarusian leader is not only that, but that at the end of last week, Speaker of the Lower House of Parliament of Belarus, Boris Batura publicly accused Russia of pressure on the recognition of independence of Abkhazia and South Ossetia.
experts stressed that dialogue with Belarus in Russia will reach results demonstrate a tough stance. «Moscow has not yet been able to persuade Alexander Lukashenko to allow Russian companies to the energy and transport facilities of Belarus, – told RBC daily the general director of the Center for Political Information Alexei Mukhin. – The situation comes to the financial and political stalemate, as Belorussiya sliding to shantazhistskih methods that allows you to compare it with North Korea ». Money Belarus needed as the air and get them on acceptable terms, it can only from Russia. And this time, Moscow insisted on ruble loans.
“The weakening of financial discipline of borrowers and legal persons becoming one of the main threats to the economic security of Russia “, – says the letter, chairman of the board VTB Andrey Kostin, President Dmitry Medvedev (a copy is held by” Kommersant “). In the document, Mr. Kostin said that the total amount of bad loans has exceeded 600 billion rubles., Representing 15% of the total capital of the banking system. In doing so, said Mr. Costin, banks are often confronted with cases where the debtor, with sufficient capacity for performance, avoids this. To facilitate banks to work with such companies, the head of VTB offers a number of amendments to the legislation. “All the key issues discussed with Andrey Kostin and Dmitry Medvedev in person prior to sending the letter,” – a source told “Kommersant” in VTB.
To increase the responsibility of officers of the debtor, Mr. Kostin is proposing to introduce criminal liability of managers for actions aimed at exclusion of the mortgaged property from the borrower’s property or the mortgagor , equated them to the theft. It is also proposed to impose criminal penalties for falsification of documents confirming the existence of a legal debt of the person against whom it filed bankruptcy. “The creation of new crimes are not necessarily all of the acts mentioned in the letter, you can qualify for the existing norms of the Criminal Code such as theft, fraud, abuse of power, deliberate bankruptcy – says the lawyer of Moscow City Bar Alexey Melnikov .- So and now there are banks in the recovery of debt from companies. ” For example, in the Nizhny Novgorod region Sobinbank Sberbank and initiated criminal proceedings for fraud against LLC “KitKar” which has received a loan, falsified information on business conditions and the availability of collateral (see p. 4). “It is possible that an unjustified expansion of signs of crime and the vagueness of the language will lead to the prosecution of a wide range of people”, – Alexey Melnikov fears.
Andrei Kostin proposes to amend the bankruptcy law, prohibiting the nomination by the arbitration administrator debtor when filing his declaration of samobankrotstve. The right to nominate the administrator is invited to give competitive lenders. “Right now the candidacy of the arbitration administrator proposes to those who initiated the bankruptcy of the company,” – explains the President of self-organization “Inter-Regional Center for experts and professional managers” Edward Olevinsky. A number of recent high-profile bankruptcy cases initiated by the companies themselves that have made the appointment of the interim manager of the candidate that offers them the opportunity to influence the process of bankruptcy. This happened in St. Petersburg CJSC Liviz. And around the JSC “connected”, accumulated debts of the same group of companies and extracted from it, launched a serious fight. Interim manager of JSC “communication” has been appointed Eduard Rebgun, then tax, a majority of votes at a meeting of creditors, made the removal of Mr Rebguna and the appointment of another administrator.
Massive problems with corporate borrowers have begun to emerge from the bank in October last year. A VTB since then the proportion of delay in the loan portfolio increased from 1.7 to 5%. During the first four months of VTB received a net loss of $25.9 billion rubles., Which is explained including the growth of payments to the reserve for possible losses on loans. Savings Bank in April received a loss of $4 billion rubles., Which was also caused by the desire to reverse the deterioration in the loan portfolio. “Five or six companies, forcing dosozdat reserves for possible losses on loans they took away our profits in the last month” – recognized yesterday by Deputy Chairman of the Board of Sberbank Bella Future. Net loss Alfa-Bank on the basis of April amounted to 350 million rubles., And the proportion of overdue loans to legal persons in October increased from 1.3 to 13.6%.
VTB supported the initiative of the President and the head of Sberbank German Gref, told Kommersant through his representative, that takes very seriously the issue of strengthening the responsibility of debtors. Changes in legislation that would increase the financial discipline of borrowers, just needed, says the chairman of the board of directors of MDM-Bank, Oleg Vyugin. “This is offset to a dialogue between creditors and borrowers in the issue of withdrawal from the situation where the borrower is difficult to pay, and banks need to fix hazards through new mortgages and new loan conditions”, – he adds.
Proposals Mr Kostin followed the appeals of entrepreneurs directly opposite to the credit of Russian banks. For example, in February, Oleg Deripaska at the meeting of the State Council in Irkutsk Dmitry Medvedev proposed to adjust the law on bankruptcy, because, “If now the company can not pay the debts, it does not mean that it will not be able to pay the fall.” The President agreed with the businessman, saying: “If we see that a law can be used to kill someone, then we must change this law and, in some cases to impose a moratorium for any rules.”
Dmitry Medvedev Andrei Kostin letter addressed to Prime Minister Vladimir Putin, as well as chairman of the Supreme Arbitration Court Anton Ivanov requested until June 20 to consider the proposal. ” Source “Kommersant” in the Ministry responsible for legislation on bankruptcy, said the letter Andrei Kostin, with appropriate guidance office has not yet been received.
Speaking at a conference in St. Petersburg, Sergei Ignatiev said that the peak of the fall of Russia’s GDP may have been passed and the economic recovery would begin in summer-autumn 2009. «I look forward to the revival of economic activity in the second or third quarter. This is my intuition. Lower point fall in GDP was either the first or second quarter. The rise may be slow, due to start: I feel that the time has come », – quotes the words of Sergei Ignatiev agency Reuters. According to him, in August-September is possible seasonal deflation associated with lower prices for vegetable products. And if inflation will slow, the Central Bank will continue to reduce the refinancing rate, did not exclude Mr. Ignatyev.
Economist ING Wholesale Banking Tatiana Orlova said: «Our intuition for the passage of the peak so far is silent». According to her, «the April data on the economy was terrible, but recent data on the consumption of electricity showed continued fall». According to the forecasts of ING Wholesale Banking, in the second quarter, GDP will decline relative to the same period last year to 8.2% (for the first quarter fall was 9.5%). «We are seeing revival in the markets, but rising oil prices may not immediately affect the revitalization of the economy, and it is not certain that the price of oil drops, – said Ms. Orlova. – The third quarter GDP is expected to decline to 7.4%, while the fourth – on 0,4 %».
In turn, co-head of analytical department of Deutsche Bank in Russia Yaroslav Lisovolik believes that the peak of the fall in GDP was even passed in the first quarter of this year, and poor data for April due to the fact that a year earlier this month showed good growth in GDP: «If you take into account this factor, the trend in GDP is positive». According to estimates by Mr. Lisovolika the second quarter will show some slowdown in the dynamics of GDP, while the fourth quarter will already be positive. Chief Economist IR «Troyka Dialog» Yevgeny Gavrilenkov pointed out that if you do not look at the dynamics of the GDP, some related indicators such as investment in fixed capital and turnover show a favorable evolution.
In spite of the expected passage of the peak fall in GDP, Sergei Ignatiev does not exclude the possibility of weakening of the ruble this year. However, the second wave of devaluation of the ruble, he does not wait and hope that keeps the course within the established corridor for bivalyutnoy Basket – 26-41 EUR.: «I am almost sure that the border 41 USD. we do not proceed until the end of the year. As long as [the border] are not going to change, and the weakening of the ruble is possible, especially in the case of the reduction of the cost of export of Russian goods in world markets ». Recently, the Bank of Russia had to speak with the buyer’s currency market to prevent excessive strengthening of the ruble. Thus, in February, the Central Bank bought 30 billion dollars, which in May accounted for more than half – 17 billion dollars, which allowed the Central Bank to increase gold reserves: from the end of the smooth growth of the ruble devaluation of about 19 billion At the same time from the beginning of February rate of the ruble to a basket bivalyutnoy improved by 10%, and since the beginning of May – more than 3%.
In doing so, Mr. Ignatiev said: «If the ruble strengthened to the dollar more 1-2 rubles. then we will think … One anxiety, concern ». In doing so, he believes that the sharp strengthening of the ruble is dangerous because it can cause a «reverse rebound ruble». According to Yaroslav Lisovolika, «and so the Central Bank has shown generosity to the Russian consumers, allowing the ruble to strengthen, but the excessive power of the national currency is fraught with consequences for the budget of revenues tied to the dollar». According to Mr. Lisovolika, forecast year-end from the Deutsche Bank remains at 37.2 rubles. bivalyutnoy to the basket. As a result of yesterday’s auction, its price fell by 3.82 kopecks., Amounting to 36.6368 rubles.
Nevertheless, according to the Bank Economist «Trust» Eugene Nadorshina, the Central Bank will continue to adhere to this strategy: if the sellers of the currency will have a pressure regulator will only soften it, smoothing volatility rate, but not discouraged. «Thus, in the coming weeks, the ruble could become stronger», – believes Yevgeny Nadorshin.
However, these revenues only partially cover the loss from operations with securities in the past year. According to experts, well, if the DIA will be able to compensate for the losses of last year, but to protect the fund against inflation it is unlikely to succeed.
Alexander Turbanov reported that «shortfall deposit insurance fund is not anticipated» . According to him, the yield of the Fund in 2009 amounted to 24,3%. As a result, income from investments as of May 1, has reached 4.7 billion rubles. However, this income is only partially covered the losses received in 2008: while on operations with securities DIA lost 11.46 billion rubles.
As RBC daily zamgendirektora DIA Andrew Melnikov, for investdeklaratsii almost half of the deposit insurance fund portfolio of state-owned securities, have accounted for about half the solid bonds and about 5% of the portfolio took the blue chips. «Given this conservative investdeklaratsiyu, income received in 2009, a pretty decent», – considers Andrey Melnikov. However, he said, the minimum objective of the agency – to keep the fund from inflation. «Therefore, the current profit and loss should not be very emotionally», – emphasized Mr. Melnikov. On the emotional Andrei Melnikov mentioned in connection with the evaluation of investment DIA: in late April, reporting to the State Duma, Alexander Turbanov told and a net loss, which DIA received from securities last year, when unprofitableness investment fund deposit insurance c Given the reassessment has reached almost 15%.
Also at the meeting of the Board of Directors of DIA last Wednesday, it was noted that in the first quarter of 2009 is not the means used (about 160 billion rubles.) from 200 billion rub. allocated to the agency for activities to prevent the bankruptcy of banks, were placed in short-term financial instruments, including 80 billion rubles. was on deposit in the Central Bank. Weighted average yield of the deployment of these funds amounted to 9% per annum. «Income derived from investment of the fund deposit insurance, it could earn simply by the growth of the stock market», – Chief Executive Officer of Asset Management FK «Uralsib» Alexander Pugach, noting that while the portfolio should not be a bond default.
manager CC «Alfa-Capital» Andrew Basatsky also noted that a positive return on the deposit insurance fund have affected not only the action, but federal and long bonds, some of which since the beginning of the year grew by nearly 50%. «However, the average return on investments the fund will be 12-13% per annum, – I am sure Andrew Basatsky. – As a heavy increase in the price of bonds in the future, it is hardly possible ». Also, in his view, the deposit insurance fund is unlikely to be able to save from inflation. «Federal securities have negative real rate of return – like Mr. Basatsky. – In addition, the agency will need to develop and losses last year ».
President, having listened to Deripaska, gave instructions from the Government. Ministry of Economic Development has already sent to the interagency coordination of the draft amendments.
Bankers unhappy with not only the law of bankruptcy. U «Vedomosti» is a letter (dated 20 April), VTB President Andrei Kostin, President Medvedev with a request to improve the legislation in general – in order to strengthen financial discipline and responsibility yurlits for the timely repayment of loans. The representative of VTB is not confirmed nor denied the fact of the letter. A letter to know the top-manager of the State Bank and the Bank’s senior manager of the first scores.
Suggestions Kostina until June 20, must consider the Government and the Higher Arbitration Court, – such orders to the chairmen of Medvedev gave a May 20 (text orders have «Vedomosti»). Official Administration of the President admits that Medvedev has sent a request, – Kostin has visited in mid-May at a meeting with President of Russia.
Total not returned to the term of loans has exceeded 600 billion rubles. – more than 15% of the total capital of the banking system, complaining in a letter to Medvedev Costin, the growth rate increases of no return.
Costin asked to impose the same criminal liability as for fraud, for any action the head of the company the debtor or the administrator of arbitration, if these actions are aimed at the withdrawal of the company mortgaged property. Art. 159 Уголовного кодекса (мошенничество) предусматривает лишение свободы на срок до 10 лет.
Руководитель компании и сейчас несет уголовную ответственность за преднамеренное банкротство (до шести лет лишения свободы) и за неправомерные действия при банкротстве ( up to three years), said arbitration manager Eugene Semchenko and arbitration manager is responsible, and even their own property, insurance and compensation fund its self-organization (SRO) – to introduce another article makes no sense. Now in the law dealing with liability during bankruptcy proceedings, and in a letter Kostina proposed to impose liability even before the procedure, emphasizes the director of the legal department of Alfa-Bank, Mikhail Grishin – and proposes to add a more responsible and owners of companies. Kostin also asked the president to make changes in the practice of arbitration courts of interim measures modifying the existing negative trends, mass refusal to creditors in their application. There is a tacit rule of the judges of the most carefully applied security measures for such claims, knows Semchenko: this mechanism is popular among raiders. But the struggle with the raiders played into the hands of borrowers nedobroporyadochnym: particularly difficult when granted credits for goods that are in circulation, said Grishin, the equipment can not change places, to correspond to the new owners a few times, to challenge such transactions in the courts then very troublesome.
then disappear from the shelves of stores all the goods – the majority of producers, and so the problem with the financing, surprised the owner of a group of companies offers «Arcade» Maxim Antonov: if you arrest the goods and money, all rise.
unhappy Costin and entered into force in 2009, amended the law on insolvency – they allow us, independently filed a petition in bankruptcy, to choose the arbitration administrator.
It is right you need to pass either the creditors or the court finds the president VTB. Prior to this year’s SRO proposed court three candidates, and the creditor and the debtor may give each one reminds Semchenko: better then come back to this mechanism than does a debtor to exclude from the process.
«proposed Kostin order make psychologically more difficult for directors to decide on joining the process », – sure of top-manager is close to bankrupt the company – customer VTB.
« All very correct and current » – supports the idea Kostina first deputy director of Deposit Insurance Agency (DIA), Valery Miroshnikov. By managing banks, which were considered bankrupt, DIA constantly meets with the situation and the withdrawal of funds and assets of the banks, he complains.
Increased liability for the withdrawal of margin assets in general is true, believes the shareholder is in predbankrotnom state of the oil industry. «But to boost security Distraint not», – he was sure. Lenders interested in the return of their funds and no more than that, there is only now that it split the observations: all previous experience shows that 80-90% of cases managed by the bankruptcy process, creditors who knowingly bought up the debts of the enterprise in order to capture them.
Suggestions bankers, as well as suggestions of borrowers will be publicly discussed, said the Ministry of Economic Development Department Director Ivan Oskolkov: the challenge – to find a balance.
Five or six companies, forcing dosozdat reserves, we have taken profits in the past month «, – commented on the results of the Savings Bank of the Future in April. The bank, according to reports received in April, some 500 million rubles. net profit. Reserves for losses, including loans, increased for the month to 34.9 billion rubles. to 373 billion rubles. (22 billion rubles. Bank reserved in March). For I quarter 2009 bank established a new reserve for loan losses by nearly 92 billion rubles., Said the chief expert of «Interfax-CEA» Alexei Buzdalin.
Enterprises-defaulter is not called the Future . Among the biggest bank borrowers, for loans that required the establishment of reserves to 100% of the debt may be, for example, the structure of Oleg Deripaska, who restructured bank loans, said Buzdalin. Total debt structures Deripaska to Sberbank – about $5 billion, say, two in finance, the tycoon is not a comment. Among the problematic debtors Sberbank – the company «Alpi» (debt – 6.5 billion rubles.), «Mosmart» (more than 2 billion rubles.), «Matrix» (1 billion EUR .).
«Reserve for loan losses actually ate all of the April profit of the bank, but not in non-payers 5-6», – object analyst Maxim Osadchy. Provisions for overdue loans on the basis of April amounted to 8.4 billion rubles., Rising by only 8% compared with March. But the 22.6 billion rubles. bank reserves could be created for new loans, including foreign exchange loans to 100.6 billion rubles. issued in April «Gazprom», said Osadchy. Sberbank Irina Kibina representative declined to comment on the situation of the bank’s borrowers.
Popenyala Future and on budget execution. There are already two cases where «the banks do not have that recipients of funds under the state order have not been able to pay them», she said. «If now we add a little speed on the budget in the defense industry, in housing, procurement of food, personally we would have changed the balance of a», – has called the Future. «According to a survey of the Institute for the Economy in Transition, an indicator of credit availability has increased from 17% in December 2008 (this at least since 2000) to 31% in April. But the company noted that the chief protector of growth – reducing demand, and May stats, perhaps, will show further deterioration trends », – writes in the review of Alfa Bank analyst Natalya Orlova. Although RSA levels overdue corporate loans in March was 3.5% of corporate portfolio, IAS shows a different picture, as it suggests a high risk of latent overdue loans, warns Orlova.
business conditions will deteriorate with a limit of credit, while maintaining low prices for their products, recognizes Melikyan. This gives reason to the experts predicted a second wave of the crisis, but the problem of compression of lending does not cause systemic shocks, insists Melikyan.
«I think that the lower point of GDP was either in the I quarter, or will II quarter. This is my hunch », – explained the Chairman of the Central Bank Sergey Ignatiev. Banks are not increasing lending, because they can not predict the repayment of loans and refinancing, looks Melikyan. He acknowledged that since the beginning of the year the volume of loans to corporate borrowers rose by 5.3%. Of these, the increase in April was 0.5%. But he was fully Sberbank, without him it would be a decrease of 0.4%. It is not clear where to invest, bankers complain about.
«We have doubts about one or two customers, which will have to tinker with the pledge, but the rest pay», – is divided predpravleniya a regional banks. «Problems with the quality of loans, mainly from” krupnyaka, so the situation linked to the measures the state – how it will help him, then get the result », – adds his colleague from another bank.
If it is not businesses, would not everyone, including banks, insists predpravleniya Morbanka Igor Dergunov. In the bad debts provoke a new round of crisis, assured all respondents in the corridors of Congress financiers, but the projections to fear. «Nobody knows what will look like our financial system even in a year», – complains Duma Deputy Pavel Medvedev. Banks vain fear: the end of the year the share of overdue loans will not exceed 10%, and even increase that figure to 13% would not create systemic risk, calms Melikyan. A chairman Ignatyev added that the problem of bad debts have «not vyzrela»: «The situation is not very good, but nothing dramatic». Perhaps because the level of overdue loans is not so great, he believes.
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