The Central Bank came for the "pocket banks" in St. Petersburg

Out of the three banks, which saw their licences revoked on July 7, two — Fininvest and Evrosib — are registered in the northern capital, and connected by frequent references to State Duma deputy Roman Vanchugov.
Origin source
According to the respondents "Fontanka" experts, all true: CBR closes the so-called "pocket banks' lending to the real business of its owners with a high risk for money and their own, and depositors.

Banks St. Petersburg

July 7, the central bank in the continuation of its policy to clean up the banking sector of the weak players in the market is still delivered by three participants. At this time, the license revoked at the Moscow bank "Cleaning the-FINAS" and two peterburzhskikh financial institutions, "Bank of Fininvest" and "Evrosib bank."

Not without surprises - one of the private banks belonged previously to the federal deputy of the Leningrad Roman Vanchugov. Now the bank is under the control of a man named Maxim Vanchugov. A second closed Petersburg Bank rumor ties with the business group, allegedly also not alien Vanchugov.

Both Bank of St. Petersburg moved to the city after its founding. "Evrosib Bank" was founded in Pskov before was called of "KAB" Pskovbank "and got a new name after the change of ownership. According to information databases etc.nnyh SPARK, the main owner of the company - Anton Tsehansky, which owns approximately 86% stake in "Evrosib bank." Tsehansky same through the "Alliance" Company controls 100% of shares of CJSC "Evrosib". And in this - the first affair happened.

CJSC "Evrosib" is known throughout Russia as one of the leading transport and logistics companies in Russia. CJSC "Evrosib" provides services in the field of rail transport, rolling stock owned of 13.4 thousand. Units of rolling stock, operates two terminally-logistichskimi complexes in St. Petersburg (Shushary) and Novosibirsk. "Evrosib" was created to be killed in the mid-90s in St. Petersburg businessman Nikolai Nikitin, today "Evrosib" group manages Dmitri Nikitin. This strong-willed and very modern top manager, who, above all, managed to put the business in such a way that during the last decade "Evrosib" did not get into any scandal.

With one exception - have suddenly "Eurosib" appeared namesake.

Problem namesake

It did not say in the business community inLuh. The fact is that the situation, according to "Fontanka", proved to be very sensitive in the sense that the legal mechanisms to force new "Evrosib" was renamed into anything "neevrosibovskoe" failed. Non-legal mechanisms Dmitri Nikitin, to our knowledge, does not use - in any case, never about anything like we know it was not the general public.

Informal sources told that the representatives of the "real" "Eurosib" repeatedly urged namesake to change the name - but to no avail. This situation lasted for several years and came to nothing lead. Moreover, in St. Petersburg there was more, and the insurance company JSC "Evrosib-insurance", some office which, they say, even located adjacent to some office "real" "Eurosib". What could not make the situation even more tense.

But while the hands of the Central Bank will put everything in its place. Transport "Evrosib" successfully works and "Evrosib" bank and at the same time "Fininvest" have lost their licenses. What is particularly intriguing, ifrit rumors that the two banks are linked one name Vanchugov - in fact no legal links between them. That did not stop them lose their licenses at a time.

warned for a long time

As it turned out, in some circles about the problems of "Evrosib Bank" it has been known since last November. Since November 27 the deputy of the Pskov Regional Assembly of deputies from the LDPR faction Sergei Makarchenko, citing sources close to the Central Bank, wrote in his blog on LiveJournal that "Evrosib bank", "could soon lose their banking license."

Withdrawal of the license, he explained that after the change of the owner of the bank started encashment. The deputy wrote that such transactions the bank carried out the "huge number."

the company's accounts for the 1st quarter of 2014 shows a loss in the amount of 2, 474 million rubles. And by the end of 2013 the bank went into a profit of 15.474 million rubles. Total liabilities "Evrosib Bank" is 1.9 billion rubles. Around 700 million rubles bank took from individuals who have placed their money in the bank in the long term. A large proportion ofI focused on the assets of the bank correspondent accounts in the Central Bank of Russia - 453 million rubles. As a long-term corporate loans issued 490 million rubles. On the assets the bank holds 646 place in Russia.

The Central Bank argued that within a year repeatedly detected violations of the law on combating corruption and the laundering of proceeds of crime - the bank is not sent to the Central Bank data on customer transactions subject to mandatory control. Also, the bank gave out loans to high-risk, without creating for them an adequate amount of reserves. The bank records do not contain accurate information about the true financial situation of the credit institution.

From Saratov to St. Petersburg

Path "Fininvest Bank" Saint-Petersburg was even more long. Saratov bank name "Mokrous Bank" was given at birth, according to SPARC-based data recorded October 11, 2011. After renaming December 27, 2007 the bank was in the hands of Roman and Maxim Anatolievich Vanchugov. At the beginning of February next year, the bank has received the nameWhich wore to license revocation. Apparently, the new owners felt that the new name will help the bank a foothold in the market of St. Petersburg, where the "Bank Fininvest" came a year renaming. In two years at Saratov office of the credit institution appeared on Nevsky Prospekt, and in April 2011 its "head" was moved to Moscow.

In the spring of last year, "Bank Fininvest" has received a residence permit on the street Nakhimov Vasilevsky Island in St. Petersburg. Moving it can be associated with the business interests of the bank's owners. For example, a man named Maxim Vanchugov owns shares in the share capital registered in St. Petersburg construction company "Lensotszhilstroy", LLC "Capital", prepares the construction sites and «Nevis Plus" is engaged in wholesale trade. Until revocation banking license by CJSC "Fininvest Capital" and LLC "Fininvest" was under the control of Maxim Vanchugov. Roman Vanchugov came out of the capital, "the Bank of Fininvest" back in 2011, before being passed to the State Duma of the Fair Russia.

However, even the existence of the former Propertynick in the parliament did not save the bank from the revocation of the license. CBR considers that the bank has provided false statements. "Credit organization conducted high-risk lending policies related to the placement of funds in low-quality assets. Adequate assessment of the risks taken and fair reflection of the value of bank assets leads to a complete loss of its own funds (capital), "- said in a press release from the regulator. The Central Bank of the Russian Federation considered that the bank has no prospects of financial recovery and rehabilitation will cost more liquidation.

The amount of liabilities "Bank Fininvest" - 28 billion rubles. Bank Reports say that the main and a large part of the resources he drew from the pockets of individuals: 11 billion - deposits of individuals for a period of 1-3 years. And about 11 billion rubles, the bank issued loans to corporate customers for the same period. Loans to individuals account for only 63 million rubles. On the assets the bank holds 175 place in Russia.

Possible consequences

Experts believe that deprivation of licenses of two banks fit in St. Petersburg onconductive trend cleanse the market of "pocket" banks, serving the interests of its owners. "The main risks of these banks concluded in its credit business owners in the real economy", - said the head of analytical department of the investment company "LMS" Dmitry Kumanovo.

According to "Fontanka", own business owners Petersburg banks lost their licenses today - in particular, large-scale construction of houses in St. Petersburg. For example, in 2009 our colleagues in the federal mass media wrote about the mass purchase of land in the Leninsky Prospect. Among the unexpected, according to journalists, buyers acted as a kind of "Orbit" has acquired 2 plots with a total area of ​​approximately 3.5 hectares for $ 7.6 million. "Kommersant" wrote then:

"According to the register, the owner of the company" Orbit "is its general director Irina Bezborodov. The Property Fund said that the company is affiliated with "service system", one of the winners of the last auction in July this year. Then this little-knownth company, the owner of which, according to the register, is an entrepreneur Tatiana Bilalova, also acquired at the initial price of 235 million rubles ($ 7.3 million), an area of ​​approximately 3 hectares at the same Leninsky Prospekt ... "

Tatiana Bilalova until recently was co-owner deprived "Evrosib" bank license. And in an area known Leninsky Prospekt in St. Petersburg group of companies "City" is constructing a residential complex "Lenin's park".

Same Tatiana Bilalova is co-owner of real estate agency "City Real Estate", among these partners on a site that is listed, and the group of companies "City" and other well-known brands in the real estate development community. In addition, the "City Real Estate" is one of the bank's clients "Fininvest".

In general, revocation of licenses of these banks can be noisy social consequences.