In 1992 he began working in Dagestan Commercial Bank "Vatan".After he bought the Victor and Roman bankers Christening financial institution Friazino moved and changed its name to "The Moscow Regional Bank."In subsequent years, several times changed the shareholding structure.97.94% of the credit institution owned by JSC "Republican Finance Corporation", the rest is distributed among individuals.Alexander Malczewski owns a 70% stake, and directed the bank until 2011 his father Andrew.
history of
In 2005, "Mosoblbank" was adopted in the system of insurance of deposits.This has increased the number of units to 400 in just two years.On the quality of management is also evidenced by the fact that in 2013 the bank "adopted" more than 1,000 ATMs, terminals, seven hundred and 4000 POS-terminals, which serve customers with cards Visa and MasterCard.In 2011, it launched its own money transfer system - "Pug".
trouble started
Problems with "MOSOBLBANK" began in 2011.Then the Central Bank banned for six months to take deposits from individuals.Management was not taken aback and began to offer their shares for a paltry sum.Even then, experts raised the question of how a financial institution manages to pay such exorbitant rates for deposits.
In August 2012, "Izvestia" published reports.In "MOSOBLBANK" it was recorded the highest rate - 19.3%.Management immediately denied this information in official sources.The Bank further continued to attract funds of economic entities under the rabid interest.This had an impact on the level of its development.
Financial Highlights
In 2013, the "National RA" gave the bank the highest credit rating - "A +".61.9% of its net assets include loans to small and medium-sized businesses.Yet there was 4.8% of the investment with the Central Bank.By raising funds from individuals Bank has financed 81% of liabilities.The total amount of reserves - 9%.The amount of capital - 18.8 billion rubles.On the interbank market, "Mosoblbank" advocated by the donor.With such figures, he took 8th place in Russia and 7 in Moscow.
"Mosoblbank": problems in 2014
07.05.2014, in the "Gazette" there is evidence that in one of the largest and most successful banks in Moscow's fraudulent scheme was withdrawn 60 billion rubles to the accounts of subsidiaries campaigns.Manual "MOSOBLBANK" immediately denied this information and filed suit in the Moscow Arbitration Court on the owner of the newspaper.
19.05.2014 The media reported that the Central Bank decided to sanitize just three agencies: "Mosoblbank", "Inresbank" and "Business Finance Bank".All of them belong to the family Malczewski.In addressing the Central Bank will allocate 117 billion rubles.Sanatorium - SMP.The official statement came a couple of days, and behind him - the information in the press about the money laundering schemes.
As it happened
The investigation revealed the central bank laundering scheme dengue."Mosoblbank" having restrictions imposed by the regulator continued to attract deposits.But he did not place them on the accounts, and the conclusions on the balance of related companies.
technical scheme as follows.Happy with the depositor enter into a normal deposit agreement.In the evening of the same day the bank to unilaterally terminate it, and the money transfers for the balance.The investor may at any time require them back.However, on balance, they will not be visible.According to the financial results of 2014 the bank attracted deposits totaling 19.5 billion rubles.This figure has not changed in two years.In view of the situation atypical payments DIA may at times exceed the amounts recognized in the balance sheet.During rehabilitation the former owners - the family Malczewski - give SMEs all of its assets."Mosoblbank" problems and issues related to the "laundering" of money, does not recognize.
it all began
It is possible that no one would have found out about the fraud, if not the case.One of the contributors' MOSOBLBANK "was an employee of the Central Bank.He noted that deposits, decorated the day before, the full shot in the offices of the neighboring towns.As later investigation showed that every night special running software terminates the contract and to enter into new investments in shares "RCF" - the main shareholder of the bank.The further fate of the money is unknown.Some of the money was found in the accounts of OOO "Rus".This equestrian park.Attachment I must say, questionable.Payback period - 15 years.Tsetrobank now looking for solutions to the problem, which is waiting for the Deposit Insurance Agency and the police preferred to keep aloof.
credit institution almost broke the record in the selected amount of readjustment.In 2008, the Central Bank directed at improving VTB "Bank of Moscow" 295 billion Russian rubles.But what problems "MOSOBLBANK" and sanatoriums observed today: in the register of depositors of the real names replaced with dummy.DIA will have to conduct an additional investigation.This inevitably leads to an increase in the balance hole.
Reviews: "Mosoblbank"
problems financial institution actively discussed on the Internet.In June, it was reported that the bank does not return deposits.But not all.Under the ban deposits were discovered after 1.2.2014 (worth more than 700 thousand rubles)."Mosoblbank" problems with payments on deposits explains the readjustment procedure.Under the new regulations, if the amount of funds does not exceed 700 thousand rubles, the day the customer can withdraw only 100 thousand.Otherwise, you need to write a statement to the bank.It considers the special commission.At this time, there is a check of the contract, and primary documents that confirm the receipt of the money in the account.In addition, these statements do not take away the branches in all cities.
This innovation caused a lot of resentment on the part of customers.The situation is aggravated by the incompetence of the staff.Especially it concerns the branches of subsidiaries of a financial institution "Mosoblbank" (Samara).Problems with clients in the city are most common.Outraged people are literally inundated with complaints about the Samara branch of offspring Malczewski.
For a long time the bank took no utilities commission.But, according to customer feedback, and now the situation has changed.Many complain that the plate with the size of the commission appears after making cuts in the self-service terminal.In the case of non-payment of contributions into the terminal will not be refunded.On any complaints on this issue the staff insist that this can not be.If the customer refuses payment, the bank will return the money to him.Here are just wanting to check this statement, risking the sum of 6,000 rubles, a little.
«Mosoblbank" problems that have arisen in the current year, is trying to solve a variety of ways.In particular, many customers complain that they can not get the money even on the bill.Investors that dissolve the deposit agreement before the expiration date, do not get the money.Bank "Mosoblbank" explains the problems of this kind of sanatoria.Since the SNP can not compile a register of depositors, the money a financial institution can not return.
Summary
One of the largest Russian banks fell under the reorganization of the Central Bank.The investigation revealed that the financial institution has brought for the balance of 60 billion rubles.This amount through the accounts of "RFK" is translated to the balance of questionable enterprises.Now DIA tries to make the correct roster of investors and customers - to withdraw money from the bank.
