Back in 1992, under the name "Vatan" in Dagestan was created by the bank, which was later bought out and moved to the town of Fryazino Moscow region.Then it was renamed "Mosoblbank."In November 2011, the Central Bank of the Federation banned him for six months to take deposits from individuals who are not shareholders.But it is a financial institution specified spared prescription.It is granted to each depositor own share without explaining to anyone what was going on with the "MOSOBLBANK."
problems
Home Improvement liquidity, which has been achieved through borrowed funds, attracted the attention of the Central Bank of Russia and the agency, which guarantees the safety of deposits.In January 2012, there began a large-scale test, which helped to identify these machinations.Subsequently, the Bank continued to attract funds of clients, offering them one of the most attractive rates.In 2013, "Mosoblbank", according to one of the most authoritative publications, was able to enter the 30 safest banks.
But in early May 2014 in the press reported that the accounts were withdrawn about 60 billion rubles, were used for this fraudulent scheme.Despite the fact that the management has filed a lawsuit in order to protect its reputation, the problem with "MOSOBLBANK" has already begun.May 19 it became known that the Central Bank has decided on the need to interfere in the affairs of the bank.Already 21 of the same month, it was decided to conduct the procedures for its recovery.
bypass sanctions
Back in early 2013, "MOSOBLBANK" issued instructions to limit the activity - it can not be three months to open new branches, and at six months was limited to the activities of physical persons and in cash.Despite this, the management of the financial institution established a special system through which were two records, there were two parallel balance sheet.That is all the activities of the Russian Central Bank hid problems "MOSOBLBANK" managed to hide for a long time.
As a result, the company was able to attract finance from individuals to their accounts 100 billion. However, to provide a report is visible only 1/5 of that amount.To understand where the remaining funds, it is practically impossible.Money invested in utilities, clinics, and various businesses.The bank was almost 70 thousand sq. M.meters of real estate in the capital and regions, large plots of land, houses in the city center.
reasons rehabilitation
Many at the time thought that it makes no sense to disassemble all the problems "MOSOBLBANK" much easier to revoke his license.But the owners of the institution put the stolen money in such assets that are difficult to implement.The Agency, which deals with the return of deposits of individuals, would have to return the depositors fairly large sum in rubles - 100 billion, and to compensate for it would hardly be possible.
That is why savings was decided that better sanitize "Mosoblbank."Revocation of a license has not been able to solve all the problems.But in the process of improvement of management are required to return the assets to the real balance.
readjustment procedure
By decision of the Central Bank of Russia recovery procedure troubled financial institutions must take "SMP Bank".He will be paired with the agency involved in deposit insurance.By the way, "SMP Bank" was entrusted not only to the specified financial company, but "Inresbank" and "Finance Business Bank."The owners of these institutions had a family Malczewski.
the procedure for recovery of "SMP Bank", which belongs to the brothers Rothenberg, planned allocation of credit for 98.6 billion Russian rubles for a period of ten years.According to the plan the CBR all problems "MOSOBLBANK" had resolved to start after the "SMP Bank" will be a sufficient number of shares to make key decisions.
course, Motels would like the liquidity of the bank at the time of the commencement of the recovery it was better, because the bank had a huge amount of liabilities and doubtful assets, the cost of many of them turned out to be too high.But on the other hand, the "SMP Bank" were written guarantees from some of the former shareholders' MOSOBLBANK "about the presence of their property, which can be covered by part of the commitments.
Fate customers
course, identify problems, investors began to wonder what will happen to the "MOSOBLBANK."By investing at an attractive interest rate, they began to fear that they can not return their deposits.Most shareholders have become latter-day experience.When you open a deposit bank employees and offered to buy the shares of the institution under the scheme have been sold around 3% of the total.And 97% is owned by the "SMP Bank".Citizens are most afraid of the fact that the shares purchased by individuals is no obligation to buy.
But for ordinary depositors little reason for concern.Problems "MOSOBLBANK" gradually resolved, payments in this financial institution has already begun.
stop activities
main reason that customers are interested in what happens to the "MOSOBLBANK", became the temporary suspension of payments and the issuance of deposit.But it did not last long, in June resumed operations.However, many customers worry unduly because of the closure of a number of offices Bank.No matter in what division of the bank was opened contribution, money will be returned to the relevant departments attached.
And customers do not have to bother problems "MOSOBLBANK", they can choose the appropriate office them (though it must be within the same branch).Every citizen of the application may change the place of their service.
Regulation
activity for the normalization of the sanatorium has developed a special program, which should be guided by "Mosoblbank."The problem today is, of course, still remain, but the procedure for recovery of this financial help to stay in the market.The bank introduced a special work schedule, which stipulates how and in what amounts can be given money to depositors.
Thanks agreed procedure for issuing advance deposits and limit the size of the payment of daily management wants to prevent panic and do not allow citizens to withdraw all available funds from the accounts.Also in the troubled bank stipulated list of documents to be submitted for payment.So the leadership wants to protect a financial institution controlled by possible claims by unscrupulous people who want to take advantage of the critical situation, which now houses the "Mosoblbank."Issues 2014 touched many, because in total it has more than 300 thousand. Investors.
procedure for obtaining funds
Interim Guidance "MOSOBLBANK" says that the money is paid in cash desks of offices on the same day.But in practice it turns out that the payment is better to leave an application and agree in advance the amount and date of receipt.At night you can not get more than 100 thousand. Larger amounts will be paid in installments.
For payments in rubles at the rate of up to 100 thousand. Enough to present a passport.To get the amount in excess of this limit, you must provide the original contract, which was concluded with the bank, and documents, which can confirm the introduction of money.But in that case, if the customer wishes to withdraw more than 700 thousand. From a bank account, it will need to prepare all the documents described above, to apply for and be prepared to wait a few days.Do not worry about what will happen to the "MOSOBLBANK" and think about why he does not give the entire contribution at a time.Large sums are given gradually, with the receipt of the funds in full to the bank would have to come several times.
features activities during the crisis
Given the fact that the Central Bank made a decision to recovery of this financial institution, customers continue to actively use the services of the bank.Fortunately sanatoriums, many did not succumb to panic and not to become a matter of urgency to break the deposit agreement, thereby worsening the situation in which the "Mosoblbank."Issues 2014 is not too affected core activities.It also continues to attract deposits from individuals, however, interest rates have been revised by the new administration to decrease.Also in June, the Commission has been introduced for accepting public utilities payments in the amount of 1%.
Currently, loans issued to individuals, and for June 2014 were issued 35% more than the same period last year.However, the granting of loans to legal entities has not been renewed, although the cash management services carried out in the same amount as before the problems.
In future interim administration expects to expand its customer base the Bank "Mosoblbank."Revocation of a license in the continuation of their competent readjustment is not threatened.The bank plans to improve the quality of services for different categories of both physical and legal entities, to increase the total volume of operations, reduce costs and increase the potential level of controllability.But to carry out the procedure for accession to other structures or merge with other banks is planned.
