Mosoblbank: Problems and Feedback

In 1992, the commercial bank Vatan started operating in Dagestan. After it was bought out by bankers Victor and Roman Krestiny, the financial institution moved to Fryazino and changed its name to "Moscow Regional Bank". In subsequent years, the composition of shareholders changed several times. 97.94% of the credit institution belongs to the Republican Finance Corporation, the rest is distributed among individuals. Alexander Malchevsky owns 70% of the company, and managed the bank until 2011, his father Andrzej.

History of development

In 2005, Mosoblbank was accepted into the system of insurance deposits. This allowed to increase the number of units to 400 in just two years. The quality of management is also evidenced by the fact that in 2013 the bank "adopted" more than 1,000 ATMs, seven hundred terminals and 4 thousand POS-terminals, which served customers with Visa and MasterCard. In 2011, the own money transfer system was launched - "MOSS".

The beginning of troubles

Problems with Mosoblbank began in 2011. Then the Central Bank banned for six months to accept deposits from individuals. The management did not lose interest and began to offer its shares for a paltry amount. Already then experts had a question about how a financial institution manages to pay such huge interest for deposits.

In August 2012, Izvestiya published its reports. Mosoblbank had the highest rate - 19.3%. The leadership immediately refuted these data in official sources. The bank continued to attract funds from business entities at a frantic rate. This could not but affect the level of its development.

Key financial indicators

In 2013, "National RA" gave the bank the highest rating of creditworthiness - "A +". 61.9% of its net assets included loans to small and medium-sized businesses. There was also 4.8% of investments in the Central Bank. Due to raised funds from individuals, the bank financed 81% of liabilities. The total amount of reserves is 9%. The volume of capital is 18.8 billion rubles. In the interbank market, Mosoblbank acted as a donor. With such indicators, he took 8th place in Russia and 7 in Moscow.

Mosoblbank: problems of 2014

05/07/2014, Vedomosti reported that through one of the largest and most successful banks in Moscow on a fraudulent scheme were withdrawn 60 billion rubles to the accounts of subsidiaries. The management of Mosoblbank immediately refuted this information and filed a claim with the Moscow Arbitration Court against the owner of the newspaper.

05/19/2014 In the media there was a message that the Central Bank decided to sanitize three institutions at once: Mosoblbank, Invresbank and Finans Business Bank. All of them belong to the Malchevsky family. To solve the problem, the Central Bank will allocate 117 billion rubles. Sanatorium - SMP. The official statement appeared in a couple of days, and after him - information in the press about schemes of money laundering.

How did this happen?

During the investigation, the Central Bank revealed a scheme for money laundering of dengue. Mosoblbank, with restrictions on the part of the regulator, continued to attract deposits. But he did not place them on the accounts, but deduced them to the balance of related companies.

Technically, the scheme is as follows. In the afternoon, a normal deposit agreement is concluded with the depositor. In the evening of the same day, the bank unilaterally terminates it, and transfers money for balance. The Depositor may at any time request them back. But on the balance sheet they will not be visible. According to the financial results of 2014, the bank attracted deposits for a total of 19.5 billion rubles. This figure has not changed for the past two years. In view of the unusual nature of the situation, DIA payments can exceed the amounts reflected in the balance sheet several times. In the course of the sanation, the former owners - the Malchevsky family - will transfer all their assets to the SMP. "Mosoblbank" problems and issues related to "money laundering" does not recognize.

How it all began

It is possible that no one would have learned about the machinations, if not for the case. One of the investors of Mosoblbank was a member of the Central Bank. He noted that deposits issued the day before, in full were filmed in the offices of neighboring cities. As the investigation later revealed, every night specially launched software terminated contracts and concluded new ones for investments in shares of OJSC RKF, the main shareholder of the bank. The further fate of money is unknown. Part of the funds was found on the accounts of OOO Rus. This equestrian sports park. The investment, I must say, is dubious. Payback period - 15 years. The central bank is now looking for solutions to the problem that the Deposit Insurance Agency is waiting for, and the police chose to step aside.

The lending institution almost broke the record in the allocated amount of sanitation. In 2008, the Central Bank sent VTB for the recovery of the Bank of Moscow 295 billion Russian rubles. And here are the problems with Mosoblbank and its sanatoriums observed to date: in the register of investors a part of real names was replaced by fictitious ones. The DIA will have to conduct an additional investigation. This will invariably lead to an increase in the balance hole.

Clients comments: Mosoblbank

The problems of a financial institution are actively discussed on the Internet. In June, information appeared that the bank does not return deposits. But not all. Under the ban were deposits opened after 01.02.2014 (worth more than 700 thousand rubles). "Mosoblbank" problems with payments on deposits explains the procedure of reorganization. According to the new regulations, if the amount of funds does not exceed 700 thousand rubles, then a client can withdraw only 100 thousand from the account per day. Otherwise, you need to write an application to the bank. It is considered by a special commission. At this time, the contract and primary documents are verified, which confirm the receipt of money to the account. At the same time, such statements are not accepted by all branches in all cities.

This innovation caused a lot of indignation from customers. The situation is also aggravated by incompetence of employees. This is especially true for the subsidiaries of the financial institution Mosoblbank (Samara). Problems in customers in this city are found most often. Outraged people literally filled up with complaints the Samara branch of the brainchild of Malchevsky.

So, for a long time the bank accepted payment for utilities without commission. But, according to customer feedback, now the situation has changed. Many complain that the plate with the size of the commission appears after the introduction of notes in the self-service terminal. In this case, in the event of a refusal to make a payment, the amount of money contributed to the terminal will not be returned. To any complaints on this issue, employees assure that this can not be. If the client refuses the payment, the bank will return the money to him. That's just wishing to verify this statement, risking an amount of 6,000 rubles, a little.

"Mosoblbank" problems that have arisen this year, trying to solve in many ways. In particular, many customers complain that they can not get money even on a bill. Investors who terminate the deposit agreement before the end of its term do not receive any money at all. Bank "Mosoblbank" of a problem of this kind explains the actions of the sanatorium. Since the SNP can not form a register of depositors, the financial institution can not return money.

Summary

One of the largest Russian banks came under the reorganization of the Central Bank. As a result of the investigation it was revealed that the financial institution withdrew 60 billion rubles from the balance. This amount was transferred to the balance of doubtful enterprises through the accounts of OJSC "RFK". Now the DIA is trying to make a correct register of depositors, and clients - to withdraw money from the bank.