What happened to "INTERKOMMERTS"?
Last Friday, 29 January, the Central Bank introduced the bank "Interkommerts" (64 th place in terms of assets, according to "the Banki.ru") interim administration for six months. The regulator explained his decision by the fact that the bank's capital decreased by 30% compared with the maximum value over the past 12 months, as well as a violation of one of the mandatory standards. A few days before the advent of temporary administrator the bank has ceased to make payments and to issue deposits.
In January, the "INTERKOMMERTS" a problem of lack of liquidity after the Central Bank has issued an order to charge the bank reserves, said a source close to the bank, and the bank's counterparty. After the bank violated the requirements of capital adequacy ratio, said a source close to the bank, adding that many companies, having learned about the prescription of the Central Bank began to pull their money out, then came to the bank depositors, the influx of which the bank could not resist.
Even before the provisions at the end of last year, "Interkommerts" paid a large amount of deposits attracted in the midst of crisis at high rates. Director andnaliticheskogo Department of National Rating Agency Karina Artemyev suggests, based on the data of the bank accounts that the bank could pay 8 billion rubles. its depositors.
The bank had a reserve of liquidity: the end of 2015 the formal indicators of instant and current liquidity, in accordance with accounting standards, were 150 and 134%, respectively (the minimum allowed level - 15 and 50%). But this stock has not helped the bank to cope with the influx of customers.
What is happening now in the bank?
CBA is now studying the assets when it receives all the information to make a decision about what will happen with this bank on. The options are not very much: a review of the license or sanitation. If the regulator decides that enough assets, it may take a decision on reorganization and highlight her money. "The Bank's owners estimate the hole is 30 billion rubles, the Central Bank -. 40 billion rubles.", - Says the top manager familiar Interkommerts bank. The volume of deposits - 68.4 billion rubles. That is, potentially, if the interlocutor RBC rights, payments to depositors for withdrawal of the license to exceed the amount necessary to reorganize.
"If a hole in the bank does not exceed 30 m. Pg rubles, the Central Bank is ready to consider the reorganization of the bank ", - says a former employee of the bank, has received this information from its management. "The regulator is interested in the rehabilitation of the bank, as he had a large amount of deposits, while asset quality is not bad at all", - he knows the counterparty bank.
"The Interim Administration just started work in" INTERKOMMERTS ", and it is too early to assess the scale of the problems at the bank, as well as to raise the issue of his rehabilitation", - said a source close to the DIA.
A source close to the Central Bank, said that the regulator may decide before the end of the week, the announcement of it may be next week.
Press-service of the bank "Interkommerts" did not respond to a request to RBC, the Central Bank and banks operating DIA does not comment.
"Interkommerts" in figures
64th place is occupied by the bank "Interkommerts" in terms of assets. As of January 1, 2016, they accounted for 109.2 billion rubles.
75.58 billion rubles. - Loan portfolio as of January 1
68.36 billion rubles. natural persons deposits placed in the "INTERKOMMERTS" January 1,
2.23% - the level of overdue Zadoyadebt on the loan portfolio at the beginning of the year
From 11.03 to 11.57% has increased the bank's capital adequacy ratio (N1.0) in 2015 (at the minimum permitted value of 10% of control)
What will happen if the Central Bank revokes license of a bank?
If the Central Bank revokes license of a bank Interkommerts, it will be the largest insurance event in the history of the DIA. Prior to that, the largest payments were Vneshprombank investors (about 45 billion rubles.) And the bank "Russian Credit" (40.7 billion rubles.).
On Jan. 1, the volume of deposits of citizens in Interkommerts bank was 68.4 billion rubles, while the bulk of the assets -. Are loans to companies (71 bn, almost 70% of assets.).
If the Central Bank decides to revoke the license, the DIA will start paying depositors. The Interim Administration is not an insured event, so investors have to wait for the decision of the Central Bank. The bank note and Vneshprombank payments started before the Central Bank made a decision, but there is an insured event was the introduction of a moratorium on satisfaction of creditors' claims.
What is a bank?
Almost 70% of the assets' INTERKOMMERTS "(or 71 billion rubles.)are loans to companies. S & P analyst Viktor Nikolsky calls the credit portfolio of the bank "formally sufficient quality", but stipulates that the credit rating agency paid attention to "low levels of redundancy and delay in comparison with the average for the market." "We also raised questions soft collateral policy: as of July 1, 2014 70% of the loan portfolio of the bank has been granted without security", - says Nicholas.
According to Karina Artemieva, the bank credited the large volumes of companies (mainly small and medium enterprises), while to lend at high interest rates. "At the end of 2014, when the Central Bank sharply raised its key rate, the" INTERKOMMERTS "not realized interest rate risk in the past year interest rates on loans for business at the bank were at a high level, so that the loan portfolio of the bank was high-margin", - says Artemyev .
Nicholas also notes that the bank's balance sheet of listed securities in the amount of 10.7 billion rubles. (January 1), most of which are not incorporated. Some of these securities, inAccording to the first, it bonds of foreign countries, which are located in foreign depositories. On in CBR, the Bank had more than 5 billion rubles., But some of that money was spent on payments to depositors.
What is known about the bank's clients?
The bank is actively attracting deposits of the population: in the last year it increased by 75%. Also, the bank placed its funds companies (26 bn. As of January 1). According to a source close to the bank, the largest creditor placed in the bank about 6 billion rubles. Among the clients of "INTERKOMMERTS" is the company "Transneft", but her spokesman Igor Demin told RBC that the company has in the bank placed "small amounts" not comparable with the amounts in Vneshprombank where "Transneft" lost 9 billion rubles. "Interkommerts" - one of the banks, who won the tender for the maintenance of "Transneft" accounts, which the company since February 2011. On the problems in it, "Transneft" have learned from the media, and are now studying the situation ", - said Demin.
Previously, "INTERKOMMERTS" kept their money charities actors Chulpan Hamatt and Keira Knightley, but representatives of both funds, RBC reported that now the money funds in the bank there.
The number of "INTERKOMMERTS" borrowers include microfinance company "Home money." "Credit Limit" INTERKOMMERTS "our company is 1.8 billion rubles. He was our reference bank, we were given cards through our customers-borrowers, "- says CEO" Home money "Andrew Bahvalov.
What does "Roketbank"?
"Interkommerts" card issued under the fashion brand "Roketbank". Last - is not a bank, but simply an application that allows the customer to the bank to use different additional services such as financial planning. "Roketbanka" The brand is owned by four businessmen, they worked with "INTERKOMMERTS" as partners.
"According to the agreement on cooperation with" INTERKOMMERTS "" Roketbank "acted upon the agent to attract customers in the bank - says co-founder and CEO of RBC" Roketbanka "Victor Lysenko. - BANK openedyval client account and issued him the card. " At the moment, "Roketbanka" several tens of thousands of customers (less than 100 thousand.). The volume of business and collaborative applications "INTERKOMMERTS" - less than 1 billion rubles. Since December 2015 "Roketbank" works with "BKM Opening" of the partnership involves the transition to technology applications Power Bank.
Thus, "Roketbanka" cardholders have accounts with "INTERKOMMERTS". When the latter ran into problems, "Roketbank" notified its customers by sending a letter to the Council to withdraw their funds from the cards. "Interkommerts" immediately blocked "Roketbanka 'customers to access their accounts in order to avoid panic. But it did not help.
Interkommerts Bank was established in 1991, until 2006 it was called the bank "Stork". Bank owned by several individuals and companies. The largest share, more than 10% owned by Mikhail Malov (15.01%), Valery Gladoschuku (11.33%) and OOO "Inter-Polex" (10.62%). The shareholders with a share of more than 1% as part of the bank predpravleniya Interkommerts Bugaevskiy Alexander, who1994 to 2007 he worked at Alfa Bank (the last four years as a senior vice-president). The owners of the bank are not connected with each other, each of them separately does not affect the bank indicated in Interkommerts Bank's audited financial statements for 2014.