TASS-DOSIER. On July 10, 2017, the Bank of Russia imposed a moratorium on satisfying the claims of Yugra Bank creditors for a period of three months.

The regulator also entrusted the Deposit Insurance Agency (DIA) with the functions of temporary administration to manage the bank for six months.

In a press release from the regulator, it was noted that the Central Bank took such measures in connection with the unstable financial position"Ugra". The DIA reported that the payment of insurance compensation to depositors would begin no later than July 24, 2017. The revocation of the license from Yugra Bank was not reported.

Public Joint Stock Company (PJSC) "Bank" Yugra "is a Russian credit institution of a federal scale, one of the oldest banks in the Russian Federation. It is mainly engaged in lending and servicing accounts corporate persons, as well as attracting funds from the population in deposits. As of June 2017, Yugra Bank ranked 30th among Russian credit institutions in terms of assets. The banking network includes seven branches and more than 100 offices in all federal districts RF. Yugra has been a member of the deposit insurance system since 2004.

History

Bank Yugra was founded on November 22, 1990 in the city of Megion (Tyumen region) on the basis of a branch of the USSR Promstroybank. The founders were large enterprises of the oil and gas industry in the region. The organization provided cash for the payment of salaries and settlements with counterparties of the enterprises Megionneftegaz, Megionneftegazgeologiya, Megiontruboprovodstroy, Megionneftestroy, SU-920, etc. One of the founders of the bank was the general director of Megionneftegaz Anatoly Fomin (in 1993-1995 . - First Deputy Minister of Fuel and Energy of the Russian Federation, in 1995-1998 - President of the Slavneft oil and gas company), who headed the board of Ugra in 1995-2005.

In January 1992, the credit institution was reorganized into CJSC Joint Stock commercial Bank"Yugra".

In August 1994, a branch was opened in Moscow, in 1995 the bank joined the SWIFT Society for International Interbank Financial Settlements and received the status of an official dealer of the Central Bank of the Russian Federation in the GKO and OFZ market. In April 1996, AOZT was transformed into OJSC.

In June 1999, the bank began issuing its own plastic cards Eurocard/Mastercard and Cirrus/Maestro systems.

In December 2011, the bank became the official sponsor of the Russian amateur sports organization Night Hockey League.

In November 2012 - August 2013, the bank carried out an additional issue of shares, increasing authorized capital from 170 million to 6.17 billion rubles, after which the composition of the owners of the organization completely changed. In particular, in January 2016, businessman Alexei Khotin (according to media reports, co-owner of the Moscow shopping centers Gorbushkin Dvor, Filion, Krasny Bogatyr, etc.) became a shareholder. this was unofficially called the actual owner of Yugra. In 2012, the bank ranked 272nd in terms of assets, in 2016 it entered the top 35 lines of the rating.

In October 2016, the Yugra headquarters was moved from Tyumen region to Moscow.

On April 25, 2017, there was a failure in the operation of the bank's information systems, as a result of which, until April 27, some depositors had difficulties in receiving funds. Representatives of "Yugra" explained the problems with "violations in the system of external energy supply." After the failure, the Central Bank of the Russian Federation began an unscheduled check at the bank.

According to media reports, in May 2017, the Central Bank ordered Ugra to create additional reserves in the amount of more than 40 billion rubles. The bank did not officially comment on this information, however, an additional capitalization in the amount of $500 million was soon announced. Since the beginning of 2017, the volume of additional capitalization of Yugra amounted to 25 billion rubles. (in 2016 - 28.6 billion rubles).

Owners

Until June 2017, the controlling shareholder of the bank was the Swiss company Radamant Financial AG (52.42% of the shares, the stake was acquired in 2015), controlled by Alexei Khotin. Another 35.42% of the shares belonged to nine shareholders, including Khotin (0.48%).

On June 26, 2017, the Federal Antimonopoly Service approved the petition of Ugra shareholders to transfer 86.83% of the voting shares of the bank to the Russian Direct Investments JSC (registered on April 5, 2017, the head of the company is Alexei Nefedov, President of Yugra Bank). At the same time, the beneficiary of the controlling stake (60.37%) of Direct Investments is Radamant Financial AG, and 39.62% of the shares belong to thirteen individuals- co-owners of bank "Ugra".

Indicators, additional information

The authorized capital as of June 1, 2017 amounted to 12.97 billion rubles. At the end of 2016, the loss of Yugra reached 32.3 billion rubles. (second place after BM-Bank among Russian banks in terms of the amount of loss demonstrated in 2016).

As of June 1, 2017, assets amounted to 322.32 billion rubles, capital - 50.19 billion rubles, loan portfolio - 261.23 billion rubles, liabilities to the population - 181.30 billion rubles.

In February 2017, the share of retail loans in Yugra's loan portfolio did not exceed 1%. According to the bank's IFRS financial statements for the nine months of 2016, the sectoral structure of the loan portfolio was concentrated in the segments of the oil and gas and chemical industries (35%), construction and real estate (30%), enterprises in the financial services(20.6%), trade and services sectors (6.5%). At the same time, the share of the largest borrowers was 62%.

OAO Slavneft-Megionneftegaz, LLC Megionzhilstroy, LLC Elektron, PJSC Rostelecom, LLC Rus-Med, Rosinkas Association, Rostov Optical and Mechanical Plant, etc. were mentioned as major clients of Yugra Bank. In addition, the bank indicated among its clients the State Atomic Energy Corporation Rosatom, OAO NK Rosneft, OAO Federal Passenger Company, AO NPK Uralvagonzavod, OAO Lytkarinsky Optical Glass Plant, and others.

The bank's headquarters is located in Moscow (Lubyansky proezd, 27/1, building 1).

The number of personnel in 2016 is 1,680 people.

Management

President of Yugra Bank - Alexey Nefedov (since 2014).

Chairman of the Board of Directors - Alexander Suchkov (since 2016).

Chairman of the Board - Dmitry Shilyaev (since 2016).

PJSC BANK "YUGRA" is a universal commercial Bank that provides a full range of banking services for individuals and legal entities. The bank was founded in 1990 in the city of Megion, Khanty-Mansiysk Autonomous Okrug, Tyumen Region (General License of the Bank of Russia No. 880 dated October 28, 2016). The bank is working on Russian market banking services for 26 years, providing its customers with reliable, affordable and high-quality service. The head office of the credit institution is located in Moscow. The Bank's regional infrastructure includes 111 offices located in all federal districts of Russia. According to key indicators, Bank YuGRA is one of the largest Russian financial institutions.

bank management

For 2014:

Board of Directors: Anatoly Fomin (Chairman), Sergey Alafinov, Alexey Belolutsky, Vladimir Kishenin, Alexey Nefedov, Dmitry Tishchenko, Yury Gusev.

The report says that agent banks have been chosen to speed up the payment process and create comfortable conditions for depositors to receive reimbursement. The DIA also clarifies that payments to Ugra depositors will begin no later than July 24, 2017.

The Central Bank introduced a temporary administration in the bank "Ugra"

2016: The Central Bank instructs the bank to limit the attraction of savings from the population

On March 21, 2016, it became known that Bank Yugra, the leader in attracting savings from the population, at the direction of the Central Bank of the Russian Federation, limited the acceptance of deposits, Vedomosti reports. The bank's operating model is troubling.

The Central Bank introduces this measure when it sees certain risks associated with the activities of this bank, explained in February 2016 the first deputy chairman of the Central Bank Alexei Simanovsky.

At this time, "Ugra" is one of the most active players in attracting deposits. In 2015, they grew by 136% - the bank used this money to lend to companies: in 2015, the portfolio grew by 137%. For comparison: in Sberbank in 2015, the deposits of the population increased by 29%, at VTB 24 - by 36%.

In recent days, information has appeared in the media that businessmen, the father and son of Khotin, can escape abroad. The reason for this may be the allegedly approaching bankruptcy of their bank "Ugra", which has turned from a small regional organization into a major player financial industry. There is no confirmation of this information yet. However, journalists publish documents showing that the bank carried out very dubious operations.

Hu from Mrs Hotin

Father and son Yuri and Alexei Khotin have recently been increasingly targeted by Russian business media. Which is not surprising - entrepreneurs surrounded themselves with continuous riddles. For example, what businessmen look like: journalists have not been able to find a single reliable picture. Basically, it's a private matter. And still, it is somewhat surprising: the kings of Moscow real estate, the owners of the famous Gorbushka and the Moskva Hotel, the owners of several oil companies and a large bank could at least once appear in public. But they do not want to, and this willy-nilly gives rise to vague suspicions. And they are fueled by numerous publications about possible raider attacks by father and son and that these two people have an incredible amount of tasty assets.

If you believe the latest materials, then it is quite possible that the public will not know for sure what the most closed Russian businessmen look like. Unless foreign paparazzi take pictures of them in some pretentious foreign club on the coast of the gentle sea. Because there are suspicions that the Khotins may soon escape from their second homeland (businessmen come from Belarus who moved to Moscow in the 90s). And the Bank of Russia can give them an acceleration, which, perhaps, suspects their bank "Ugra" of dubious transactions.

You to me, I to them, they to you

Probably, any of the bankers who have already fled from Russia will be able to give a master class on conducting dubious operations. In fact, this official name does not accurately reflect the essence of the matter. It would be more correct to call these transactions withdrawal of money. Well, or theft, as you like. The essence of such operations is ridiculously simple. A bank gives a loan to a company. You never know why she needed money, maybe she wants to open the production of men's pants. Or maybe she was going to extract oil. But only in the process of verification it turns out that this company does not conduct any real activity. And the money received in the bank, she safely transferred to some offshore country and registered in the so-called "blind trust". The meaning of this form of ownership is that no one knows the real beneficiary. Or rather, someone knows, but for the rest it is a big secret.

Scans of documents of the Central Bank appeared in the media, which checked the Khotins' Yugra bank. And, allegedly, he found out that the organization generously distributed loans at very low rates. Borrowers are likely bank affiliates. The fact that the money was given to front companies is evidenced by payments to the budget, probably related to these firms. After all, if an organization conducts real activities, then it pays a lot of taxes to the treasury. But these structures seem to have paid very little money to the state. At the same time, the total turnover of transactions, which the regulator, apparently, recognized as doubtful, amounted to more than 80 billion rubles. Where the money could have gone can be judged from the trust declaration drawn up in Cyprus. Classic! And already from open sources it became known that the bank will be capitalized by 22 billion rubles. And this may be an indirect sign that Yugra is not all right with the balance.

Father and son without care

But what happened to the Khotins, who have been successfully doing business in Russia for two decades? Perhaps they lost their patrons again. As the latest media called different people. Allegedly, they were supported by the former hunter for "werewolves in uniform" and the speaker of the State Duma Boris Gryzlov. But the official has long disappeared from the political Olympus, and nothing is known about his current administrative weight. There were rumors that the Luzhkov-Baturina family helped the Khotins, but this clan has certainly not been a destiny for a long time. Perhaps the attack on the Khotins can be associated with the recent reshuffling of the Central Bank.

In particular, this fall, he left the post of the first deputy chairman in charge of banking supervision. Alexey Simanovsky. And now let's remember that it was he who in February advocated for applying a soft policy to problem banks. For example, to limit the unbridled attraction of deposits. And it was in February that the Central Bank chose such a measure in order to cool the ardor of Yugra. This once ordinary regional bank is now in the Top 40, ranking 32nd with assets of almost 260 billion rubles. Last year, he was very active in attracting deposits, and as a result, they grew by a crazy figure - 136%. At the same time, the bank was also actively distributing loans, this portfolio grew by 137%. In theory, the regulator should have taken a closer look at the bank even then, but he chose the soft path.

Compromising war

Whether the former first deputy chairman of the Central Bank has close contacts with the Khotins, of course, is unknown. But this story is something else. Someone clearly wants to raise a fuss around businessmen. This, for example, can be evidenced by published documents. After all, this confidential information, access to which is almost impossible to obtain, it is protected by law. Another circumstance deserves attention.

If you type in the search engine the word "Khotyny", then it is not difficult to find a link to a site dedicated to the activities of businessmen. Or, as stated on this resource: "the whole truth about the shadow oligarchs." Note that the site appeared quite recently, but it is he, and not the authoritative Russian media, that is the leader in indexing the Khotyn query. By the way, the creators of the portal published pictures of father and son and claim that these photos are genuine. As for Simanovsky, a lot has been written about his connection with businessmen.

So we can assume that an information attack is now underway on businessmen, the customers of which are hidden even deeper than Yuri and Alexei Khotin themselves. Perhaps part of the truth will be revealed if entrepreneurs really flee abroad, and their assets pass to new owners. Then, probably, an understanding will come of who is Karl and who is Clara in this dark story, and how they annoyed each other.

« Yugra"- Russian private bank. Full name - Public Joint Stock Company Bank Yugra. The headquarters is in Moscow.

In terms of assets as of July 2016, it ranked 30th among Russian banks.

History

Bank Yugra was founded in the city of Megion in the Tyumen region in 1990 on the basis of a branch of the USSR Promstroibank. In 1992, it was reorganized into a joint stock commercial bank (closed joint stock company) Yugra. In 1994 a branch was opened in Moscow. In 1995, the bank joined the SWIFT system. In the same year he became a member of the currency section of the MICEX. In 1999, the bank began issuing its own bank cards Eurocard/Mastercard and Cirrus/Maestro.

In 2013, new shareholders came to the bank. From January 1, 2013 to January 1, 2016, the bank's assets increased by 38 times. Thus, in terms of assets, the bank moved from 261st place (January 1, 2013) to 28th place (January 1, 2016). Basically, the bank during this period grew by attracting deposits from the population. So, in 2013, deposits increased by 5.5 times, and in 2014 and 2015 - twice annually. By attracting deposits, the bank lends mainly to the corporate sector (the percentage of delinquency in this portfolio was 0.2%). The high quality of the loan portfolio may indicate the financing of the businesses of the bank owners -

« Yugra"- Russian private bank. Full name - Public Joint Stock Company Bank Yugra. The headquarters is in Moscow. In terms of assets as of July 2016, it ranked 30th among Russian banks. On July 28, 2017, Yugra's banking license was revoked.

History

Bank Yugra was founded in the city of Megion in the Tyumen Region in 1990 on the basis of a branch of the USSR Promstroibank. In 1992, it was reorganized into a joint stock commercial bank (closed joint stock company) Yugra. In 1994 a branch was opened in Moscow. In 1995, the bank joined the SWIFT system. In the same year he became a member of the currency section of the MICEX. In 1999, the bank began issuing its own Eurocard/Mastercard and Cirrus/Maestro bank cards. By 2012, the bank ranked 272nd in terms of assets.

In 2013, Yugra Bank became the official sponsor of the Russian sports organization Night Hockey League. In 2016, together with the Night Hockey League, a co-branded debit payment card league member, which is a membership card. In addition, Yugra Bank has introduced a loyalty program for the holders of these cards with a system of discounts.

In 2013, new shareholders came to the bank [ who?] . From January 1, 2013 to January 1, 2016, the bank's assets increased by 38 times. Thus, in terms of assets, the bank moved from 261st place (January 1, 2013) to 28th place (January 1, 2016). Basically, the bank during this period grew by attracting deposits from the population. So, in 2013, deposits increased by 5.5 times, and in 2014 and 2015 - twice annually. By attracting deposits, the bank lends mainly to the corporate sector (the percentage of delinquency in this portfolio was 0.2%). The high quality of the loan portfolio may indicate the financing of the businesses of the real owners of the bank - Alexei and Yuri Khotin (during this time, the bank was owned by 12 individuals). Such a business model caused a negative reaction in the Central Bank of the Russian Federation.

In January 2016, Alexey Khotin appeared among the owners of Ugra, who had a minority stake of 0.48%. In 2017, he owned 52.42% of the shares through the Swiss Radamant Financial AG, at the end of June, the equity of the bank, owned by the entrepreneur, JSC Direct Investments.

At the end of 2016, the bank ranked first among Russian banks in terms of losses due to additional capital accrual at the request of the Central Bank. In 2016, its volume amounted to 28.6 billion rubles, since the beginning of 2017 - another 25 billion rubles. By June 1, 2017, the bank's net assets amounted to 322.32 billion rubles (30th place in Russia), liabilities to the population - 181.30 billion. In April 2017, the bank experienced a technical failure, after which an unscheduled audit of the Central Bank was carried out

Revocation of the license and the beginning of the liquidation of the bank

These orders were issued unfounded, since it was not taken into account that the Bank of Russia, both in the exercise of supervisory functions and in the course of inspections, did not reveal violations of mandatory ratios by Bank Yugra.

Thus, there are no grounds for appointing an interim administration to manage PJSC Bank Yugra. PJSC Bank Yugra is financially stable credit institution, has the necessary liquidity reserve, has a sufficient amount of funds to carry out activities.

The introduction of an interim administration will cause damage to the federal budget in connection with the implementation of insurance payments in the amount of more than 170 billion rubles, reduce the availability of loans to small and medium-sized businesses, accelerate inflationary processes and worsen the investment climate in the country.

In connection with the above, the Prosecutor General's Office Russian Federation demanded to cancel the orders of the Bank of Russia.

This was the first such case of interference by the Prosecutor General's Office in the activities of the Bank of Russia in recent years. Officially, the suspension of payments of insurance compensation was not announced. Kommersant published a message stating that on the evening of July 19, 2017, the Deposit Insurance Agency sent an order to suspend payments to agent banks. The head of the VTB-24 agent bank, Mikhail Zadornov, said that indeed, after the prosecutor’s protest from the Prosecutor General’s Office, the Bank of Russia and the Deposit Insurance Agency initially decided to suspend the payment of insurance compensation, but after consultations that took place on the night of July 19-20, 2017, all We decided not to suspend payments. Despite the prosecutor's protest, on July 20, 2017, payments of insurance compensation to depositors of the bank "Ugra" began. By the end of July, 100 out of 169 billion rubles had been paid, a struggle began between the largest Russian banks offering new customers special offers on bank deposits. By August 16, 2017, RUB 156.1 billion had been paid. 188.3 thousand investors.

The revocation of the license from Yugra provoked protests from some of the bank's depositors. At the end of August 2017, up to 300 people took to the streets in Tyumen, during which they demanded that their deposits be transferred to another bank in the event of Yugra's bankruptcy, as well as to establish public control over the activities of the Central Bank. In addition, Ugra depositors whose deposits exceed the 1.4 million rubles covered by the insurance indemnity. (therefore, they cannot count on receiving the full amount of the deposit as part of the insurance) turned to Valentina Matvienko, Sergey Naryshkin and the head of the Committee of the State Duma of the Russian Federation Anatoly Aksakov, in which they asked:

• Introduce liability for the Bank of Russia for improper performance of its functions, resulting in property damage to individuals and legal entities;
• Exclude the Deposit Insurance Agency from the number of first-line recipients in case of bank failure and pay to the Agency only after depositors (both citizens and legal entities) receive their money;
• To study the situation around the closure of the bank "Ugra".

The former chairman of Yugra filed a lawsuit with the Arbitration Court of Moscow, asking that the order to revoke the license be declared illegal. The claim was accepted for proceedings. On August 15, 2017, the court refused to involve the plaintiffs as a third party in the suit of the Prosecutor General's Office of the Russian Federation. However, the Commissioner for the Protection of the Rights of Entrepreneurs in the Russian Federation, Boris Titov, was involved as a third person in the case.

By September 8, 2017, the negative capital of Yugra Bank reached 86.09 billion rubles, while on July 28 this figure was 2.04 billion rubles.

On October 10, 2017, the Moscow Arbitration Court rejected the claim of the bank's owners, recognizing the introduction of a temporary administration in Yugra as legal. The plaintiff filed an appeal against this decision. On January 15, 2018, the Ninth Arbitration Court of Appeal rejected the appeal and the decision Arbitration Court Moscow dated October 18, 2017 entered into force.

In January 2018, the protests of Yugra depositors from among the “excessive” continued - that is, those who have a deposit of more than 1.4 million rubles of insurance compensation from the Deposit Insurance Agency. The "Exceeds" created an initiative group, whose representatives appealed to the President of Russia with complaints.

April 19, 2019 as part of a case initiated on the fact of theft Money(part 4 of article 160 of the Criminal Code of the Russian Federation) of a bank for 7.5 billion rubles was detained former owner bank "Yugra" Alexey Khotin. The operation was carried out jointly by the TFR, the Ministry of Internal Affairs and the FSB.

Notes

1. Requisites (indefinite) . // jugra.ru. Retrieved 2 December 2016.
2. Public Joint Stock Company Bank Yugra (indefinite) . // cbr.ru. Retrieved 6 August 2016.
3. Bank "Ugra" disclosed among the owners of the co-owner of "Gorbushkin Dvor" Alexei Khotin (indefinite) . // vedomosti.ru. Retrieved 6 August 2016.
4. Bank ratings (indefinite) . banki.ru. Retrieved 6 August 2016.
5. Bank "Ugra" officially moved to Moscow
6. Bank history (indefinite) . // jugra.ru. Retrieved 6 August 2016.
7. Daria Borisyak. Bank "Ugra" collapsed. Vedomosti, 07/10/2017
8. Partners and sponsors of the NHL (indefinite) .
9. With his appearance, the NHL bank also got on skates. (indefinite) .
10. Night League and Bank "Ugra" issued NHL Membership Cards (indefinite) .
11. Ksenia Dementieva. The collapse of Yugra: recall or reorganization of Kommersant, 07/10/2017
12. "Vacuum cleaner" among banks. What fate awaits the bank "Ugra"? (indefinite) . // profile.ru. Retrieved 6 August 2016.
13. Shareholders of Ugra Bank offered to carry out reorganization at their own expense NEWSru.com, 07/17/2017
14. More than 260,000 depositors of Yugra Bank will demand insurance payments
15. Sberbank and four more RAPSI banks will make payments to depositors of Yugra Bank, 07/14/2017
16. The General Prosecutor's Office of the Russian Federation protested two orders of the Bank of Russia concerning the activities of the joint-stock company Bank YuGRA