| Anarchy continues in Sodbiznesbank According to the Bank of Russia, Sodbiznesbank (SBB), deprived of its license on May 13, attracted more than 2.27 billion rubles. private deposits. Analysts doubt the reality of these figures, saying that most of the deposits were created through tax optimization schemes. However, a source in the management team removed from managing the bank yesterday told the Vremya Novostey newspaper that “individuals’ deposits in the bank amount to about 2.15 billion rubles” and, according to his information, “there are no salary schemes.”
Depositors are considered to represent the main pool of SBB creditors. Since last week, they have been gathering near the bank building on Krasnaya Presnya in small groups to find out about the fate of their funds. “Depositors periodically appear near the bank, but it is not true that there are 100-150 of them near the bank. Of course, there is panic and all deposits will be withdrawn, but for now (around the building. - Ed. ) it’s calm,” says the ex-manager of SBB. He did not specify exactly how many individual accounts there were in the bank.
The influx of deposits from individuals in recent months to the SBB can be explained not only by an active advertising campaign, but also by the presence of “salary” schemes. In this case, remuneration to employees of the bank or related structures is transferred to deposits, and the source of funds can be either retail loans or insurance payments. Mikhail Matovnikov, head of the banking department of Interfax RA, notes that taking into account the composition of the largest borrowers of the SBB (small insurance companies - Ed.), there is a possibility of using salary schemes."
An analyst at one of the SBB counterparty banks notes that the volume of retail loans to Sodbiznes has “increased by pennies” in recent months, and the volume of loans to legal entities, on the contrary, is very significant: “According to reporting as of April 1, the loan portfolio amounted to 4.24 billion rubles, about 60% of the balance sheet currency.” In addition, he draws attention to the dynamics of SBB contributions (see reference). “A powerful influx of deposits occurred against the backdrop of statements by law enforcement agencies about claims against the bank (see Vremya Novostey, May 14 - Ed. ), agrees a source in banking circles. “It turns out that our investors are greedy and blind people.”
The interim administration of the Central Bank must finally answer the question of exactly how many SBB depositors were not employees of the bank. But yesterday she was unable to start work again. “The bank’s management (former chairman of the board) cannot provide access to the temporary administration’s employees to the bank’s premises, citing their removal from office by the board of directors,” the Central Bank reports. “At the same time, those present in the bank premises “physically prevent such passage” for the temporary administration and employees of the Ministry of Internal Affairs.”
At the same time, yesterday, counterparty banks received a message from former employees of the SBB that “at a meeting of participants of LLC CB Sodbusinessbank on March 12, 2004, a decision was made to liquidate” the bank. Boris Ponamarev, managing partner of the law firm Ponamarev and Partners, has been appointed liquidator. It was impossible to contact him yesterday, and the Central Bank called this message “misleading the public.” “False information is also being spread about the supposed start of payments to depositors from May 18, 2004,” says a press release from the Bank of Russia.
It is clear that the liquidation of the SBB will take a long time. Meanwhile, the first deputy chairman of the Central Bank, Andrei Kozlov, said last week that even “in a favorable situation, from the moment of revocation of the license to the moment of the first court decision (on the liquidation or bankruptcy of the bank), one and a half to two months pass.” Explaining what SBB depositors need to do, Mr. Kozlov said that after the court decision and the appointment of a bankruptcy trustee of the bank, they “will have to apply to the arbitration court with a request to recognize their claims against the bank and transfer the court decisions to the bankruptcy trustee for inclusion in the register of creditors.” .
“Upon completion of the compilation of the register of creditors, preliminary payments begin, amounting to 70% of the cash that will be at the disposal of the bankruptcy trustee at that time,” the official said. “The remaining money will be paid upon completion of the competitive procedure.”
As of April 1, 2003, the volume of individual deposits in Sodbiznesbank amounted to 167.4 million rubles, as of September 1 - 621.4 million rubles, as of January 1, 2004 - 1.43 billion rubles, as of February 1 - 1 .83 billion rubles, as of March 1 - 1.97 billion rubles, as of April 1 - 2.25 billion rubles. Yuri VERETENNIKOV |
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