Against the background of the news that more than 150 banks in Russia are on the verge of bankruptcy, and the Central Bank is cleaning the banking sector like a potato patch, the idea came into my sick head to make the top 5 greatest (or almost) nayebs in the history of the banking industry of our vast!
Over the past 18 years, the number of banks has decreased from 1,330 to 484 (almost 3 times). And in 2018, the Deposit Insurance Agency compiled a report, according to which more than 80 claims were sent to the courts to bring to justice the controllers of failed banks to the tune of 786.7 billion rubles, 10 million dollars and 5 million euros. In 2017, there were significantly fewer such applications — 58 for 216 billion rubles.
So, citizens, be vigilant and do not keep your money in savings banks!
Bank: International Bank of Saint Petersburg (IBSP)
Former owner: Sergey Bazhanov
Status: Almost dead, but still moaning and twitching in agony
IBSP, remembers even those times when we just started to fuck up and squander everything. It was registered in the country that we lost, back in 1989. Originally it was called "Lenmebelbank", but later changed its name to "St. Petersburg Timber Bank". It took its final form when Sergey Bazhanov and his team from Baltonexim Bank (the current Baltinvestbank) joined the structure-since 1999 it has been called the International Bank of St. Petersburg (IBSP).
Sergey Bazhanov-senator, banker, philanthropist, sex symbol for the entire judicial system.
IBSP among St. Petersburg businessmen was called "a bank of our own". Regular corporate clients have been served almost since Soviet times. Most of them were large domestic developers and companies: LSR, Legend, KVS, St. Petersburg and Moscow Metrostroi, and others. Bazhanov, who eventually became the sole owner of the bank (99% of the shares belong to him), kept in the IBSP (according to him, of course) all the family savings over the past 20 years.
The bank had five branches: in Moscow, Nizhny Novgorod, Volgograd, Ulyanovsk and Novosibirsk, and in 2002 it was recognized as "Bank of the Year". Despite positive customer reviews and high interest rates on loans in 2018, it became a victim of the ambitions of its own owner.
Mr. Bazhanov himself, by the way, is a former senator-the owner of many awards: the Order" For Services to the Fatherland "of the II degree, the medal" In Memory of the Tercentenary of St. Petersburg", the Order of St. Daniel of Moscow of the III degree, etc. He was recognized as the best manager in the financial field in 2002. In 2001 and 2002, he was awarded the title of "Banker of the Year".
Only here Sergey, with all his merits, with his wife Tatiana, (by the way, vice-president of the IBSP), led an excessively debauched lifestyle and did not deny themselves anything. The couple owns: a house worth 1.5-2 billion rubles, a modern business center, an apartment of 190 square meters, four land plots with a total area of about 7 thousand square meters, six more apartments (including in France and Finland), a villa in France, the radio company "Culture" and part of the radio "Hermitage". Constant parties at foreign resorts and trips to warm countries have become a daily routine for the couple. Sergey was a frequent guest at his home in Nice, where for weeks he devoted himself to elite alcohol without a trace.
Bazhanov periodically tried to invest and promote various business projects, every single one of which were sure to collapse. Only one CJSC from the group of companies that went bankrupt under his leadership — wholesale suppliers of vegetable oil-Bazhanov sticks out 12 billion rubles.
The Bazhanovs took the funds for all these financial experiments from the assets of the IBSP.
Jabba the Hutt Nadezhda Savinskaya-an old resident of the banking system of the Russian Federation, covered up for the bankers when you were still walking under the table. And maybe it will eat you.
"Hitler Kaput" bank came unexpectedly unstuck? during an unscheduled inspection of its activities by the Central Bank. After the departure of Nadezhda Savinskaya, the head of the cash flow regulation department, who covered Bazhanov, from the Central Bank, the Central Bank revealed a hole in the bank of 16 billion rubles (and this is only for insured deposits). There’s more. It turned out that the top managers of the bank constantly wrote themselves inexplicably huge bonuses of several tens of millions of rubles and transferred huge amounts from the accounts of IBSP in unknown directions.
Even after the revocation of the license and the transition of the bank under the management of the interim administration, these guys did not lose heart and tried to steal the bank’s assets.
Unlike the Ananyev brothers, Bazhanov has not been brought to justice for more than a year. The case is complicated by the constant postponement of court sessions and the unsuccessful attempts of the Central Bank to bankrupt the St. Petersburg bank. And his wife's attempts to pull off slick feints with the family real estate (since the revocation of the bank's license, she has been selling off the Bazhanovs ' personal property-the real estate remaining in Russia) make Sergei Bazhanov the cunning bastard of all Petrograd No. 1.
Former owners: Dmitry and Alexey Ananyev
Status: Alive, intact, Eagle
Top of the evolutionary chain! One of the largest banks in Rosseyushka! It was founded by Orthodox bankers, the sexy and bearded Ananyev brothers-Alexey (the elder) and Dmitry (the younger).
Ilyusha Dima and Alyosha-they look at you like shit.
The brothers originally owned the IT company Technoserv (now the largest Russian system integrator), but decided to expand their business in the direction of banking.
The Ananyevs founded PSB in 1995, right after the May holidays, and in 3 years brought it to the Top 100 of the great Power in terms of assets. In 2005, the bank was already in the Top 15 — during this period, the bank's assets increased 113 times and amounted to 125 billion rubles. PSB was recognized as the leader in growth among all banks of the Russian Federation at the beginning of the noughties, and was the main asset of the brothers ' business.
The most reliable bank of the 2008-09 crisis, a member of the list of the top 10 largest banks in Russia in 2010-13-Promsvyazbank was in the top 500 most famous brands in the world.
The PSB consumed the smaller cans at the rate of an unfed cat for a week. Its victims were Pervobank, AvtoVAZBank, Commerzbank, Vozrozhdenie, Volgoprombank, Bank Nizhny Novgorod, Yarsotsbank and others. The fed and measured life of bankers in 2017 was violated by the system checks of the Central Bank. Almost immediately, the regulator demanded rehabilitation, additional capital accrual of the bank and accused its managers of illegal operations and transactions. In 2 days, PSB shares fell by 15%.
The investigation of the case lasted for several years. The joint work of the Central Bank and the TFRF resulted in criminal cases against the Ananyevs and charges of withdrawing 66 billion rubles and 575 million dollars from the PSB. So far, the Investigative Committee is investigating the loss of 202 billion rubles — half of which, according to investigators, was embezzled, and half was stolen.
The brothers were arrested in absentia by the Basmanny Court of Moscow and put on the international wanted list. The PSB was saved only by the active support of the government and the Central Bank, which pumped it with taxpayers ' money, making it the mainstay of the banks of the armed forces.
Former owner: Alexey Khotin
Status: Liquidated in 2017
The Ugra logo glittered on TV screens and stage stages, and your father often confused its name with a well-known Ukrainian-Georgian VIA. It was founded in Sovka, on the last gasp of the communist regime with the tacit consent of the bearer of the black mark and grew up on the basis of the branch of the Promstroybank of the USSR in the city of Megion, Tyumen region (yes, I also do not know where it is). At the origins of the PAO were three families associated with the company"Slavneft".
Alexey Khotin and his face when he learned about the court's decision.
In 1992, the bank was renamed Ugra and 2 years later opened the first branch in Pervoprestolnaya. A year later, in ’95, the bank joined the international payments system and became a member of the MICEX. In 1999, Ugra already issued its own plastic cards. Just 10 years was enough for him to take the 272nd place in terms of assets - not an acid result, given that there were 978 different banks operating in the country at that time.
2013 was a "golden year"for the bank. It was in that year that Ugra became the official sponsor of the "Night Hockey League" (the one in which the team that does not exist constantly participates in), acquired new shareholders and increased assets by 38 times — this allowed it to move from 261 place in the rating to 28th. Ugra actively siphoned money from ordinary hard workers=ing people — in 2013, deposits in the bank increased almost 6 times and in the next 2 years by two.
"Finita la comedia" happened to Ugra in 2016, when the bank was taken over by Alexey Khotin, who bought out more than half of its assets. Just a year was enough for Alyosha to bring PAO to first place - in terms of losses. By June 2017, the bank owed only a record 181 billion rubles to the population.
In April of the same year, a "technical failure" occurred with Ugra, which attracted the close attention of the Central Bank to the bank, which launched a chain of inspections. They resulted in the introduction of a temporary administration and " a moratorium on meeting the claims of the bank's creditors due to the unstable financial situation and the threat to the interests of its creditors and depositors."
260 thousand customers of Ugra found themselves in a broken trough: only for insurance cases, the Central Bank decided to pay more than 173 billion rubles. Then the process of liquidation of the bank was launched, there was interference in the payments of the Prosecutor General's Office, lawsuits of the owner with the Central Bank and mass protests of defrauded depositors.
3 years later, during a joint operation of law enforcement agencies, Comrade Khotin was detained on charges of embezzlement of 7.5 billion rubles.
Former owner: Markus Larisa Ivanovna
Status: Liquidated in 2016
Vneshprombank, aka "Foreign Economic Industrial Bank", aka VPB, aka Georgy Ivanovich, aka Gosha, aka Goga, aka Zhora-the bank whose tears Moscow did not believe.
Hello! I want Larisa Ivanovna! Hello. This is the Police talking, friend Mimino!
The bank was registered back in 1995, when the sky was blue, the grass was green, and the ruble had not yet completely collapsed into the depths of fiery zeros. Of course, VPB did not have enough stars from the sky, but it worked properly and earned 40th place in the list of banks with the largest assets.
At the end of 2000, Vneshprombank received the go-ahead from the state to work with precious metals, and in mid-2001-a general license for banking operations. In 2006, Vneshprom was finally privatized, completely squeezing the state out of all its structures. By 2012, the bank's extensive branch network comprised more than 70 branches, 60,000 individual depositors, and 4,000 legal clients.
But already in December 2015, customers began to face massive problems when trying to withdraw funds from cards and deposits. This aroused the suspicions of the Central Bank, which found a difference between the real and declared assets of the bank of 50 billion rubles. The investigators who joined the case decided to dig deeper. And they continued to dig until they dug up 210 missing billion rubles, which the bank's administration took out of its borders. In addition, the VPB did not comply with the requirements in the field of countering the laundering of proceeds from crime and the financing of terrorism, without notifying the Russian authorities about operations that require special control.
All this allowed the "people in lampas" to put Ms. Marvel Marcus in prison for 9 years and successfully liquidate the rotten bank in 2016.
Bank: Intercommerce Bank
Former owner: Alexander Bugaevsky
Status: Liquidated in 2016
Russian Commercial Bank Interkommerts named after Beredikt Krambertecha. The most difficult-to-pronounce bank of Russia. It was founded in 1991. Initially, the credit organization was called "Stork" (hello to washing powder), but it was bought out with all its guts and brutally renamed.
The plot of the Interkommerts bank liquidation resembles a spy thriller about Agent 007. There are greedy bankers, foreign agents, and a government that plays its own game.
Alexander Bulgaevsky-I love Czech beer and the Hermitage collections.
The business that the bank built was based on corporate loans. Later, one of the strategic directions was retail trade (in people. No.). In customer service, the bank did not show creativity and worked according to standard schemes. The structure consisted of 7 branches, 39 offices and 3 operating cash desks. At the time of liquidation, the bank employed more than 1,255 people, and the network of terminals consisted of more than 5,000 devices. Interkommerts occupied the 67th position in the top Orthodox banks.
In 2016, Inter was checked by the Central Bank, which obliged managers to add reserves of 3 billion rubles. Interference in the company's activities by the state regulator led to panic among customers, who began to rapidly withdraw assets from their accounts. The bank lost its license due to the complete loss of its own funds-the obligations to customers amounted to almost 100 billion rubles, while the bank had only 27 billion rubles. The hole in the capital of Intercommerce amounted to more than 65 billion rubles.
A number of criminal cases were initiated against the owners of the bank. Top managers were charged with stealing almost 79.5 billion rubles. And Bulgaevsky himself, who is still hiding in the Czech Republic, is accused of embezzling more than 45 million euros. In particular, the bankers are charged with the transit of funds from the Hermitage Capital fund, to which there have long been huge claims from the investigative authorities.
In addition, the investigators seized Bugaevsky's property: an apartment in Moscow, a country house, land plots in the Moscow region and more than 100 million rubles, which were allegedly obtained illegally.
The original article is here