On the revocation of the banking license from the credit institution Rosenergobank and the appointment of a temporary administration. On the revocation of the banking license from the credit institution Rosenergobank and the appointment of a temporary hell

By the decision of the Arbitration Court of Moscow dated June 30, 2017 (the date of the announcement of the operative part - June 29, 2017) in case No. А40-71362 / 2017-184-74 Commercial bank "ROSENERGOBANK" (joint stock company) (CB "REB" (JSC), hereinafter referred to as the Bank, OGRN 1027739136622, TIN 6167007639, registration address: 105062, Moscow, Podsosensky lane, 30, building 3) was declared insolvent (bankrupt) and bankruptcy proceedings were opened against him. The functions of the bankruptcy trustee are assigned to the state corporation "Deposit Insurance Agency" (hereinafter referred to as the Agency).

By the ruling of the Moscow Arbitration Court dated December 20, 2019, the term for bankruptcy proceedings against the Bank was extended by 6 months, a court session to consider the report of the bankruptcy trustee of the Bank was scheduled for June 22, 2020.

Address for sending mail, including claims of creditors: 127055, Moscow, st. Lesnaya, 59, building 2.

In accordance with the requirements of paragraph 4 of Art. 61.1. Federal Law No. 127-FZ of October 26, 2002 “On Insolvency (Bankruptcy)” the Agency publishes information on the issuance of judicial acts based on the results of consideration of applications for declaring transactions invalid and applying the consequences of their invalidity.

On December 22, 2017 and April 6, 2018, the bankruptcy commissioner of the Bank filed applications with the Moscow Arbitration Court to declare transactions invalid and apply the consequences of their invalidity:

1. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154219 dated January 16, 2017 in the amount of RUB 8,403,401.46.

2. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154238 dated January 27, 2017 in the amount of RUB 7,324,365.28.

3. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154213 dated December 29, 2016 in the amount of 7,200,548.91 rubles.

4. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154216 dated December 30, 2016 in the amount of RUB 4,568,533.07.

5. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154229 dated January 24, 2017 in the amount of RUB 8,647,323.43.

6. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154137 dated July 26, 2016 in the amount of RUB 9,488,668.48.

7. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154212 dated December 28, 2016 in the amount of RUB 5,263,953.95.

8. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154220 dated January 17, 2017 in the amount of 8,890,125.88 rubles.

9. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154200 dated December 21, 2016 in the amount of RUB 8,120,448.93.

10. Banking operations dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154145 dated July 28, 2016 in the amount of RUB 8,086,863.35.

11. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154184 dated December 14, 2016 in the amount of RUB 9,195,410.51.

12. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154102 dated June 30, 2016 in the amount of RUB 8,212,140.77.

13. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154133 dated July 26, 2016 in the amount of RUB 10,702,750.78.

14. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154185 dated December 19, 2016 in the amount of RUB 8,184,612.36.

15. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154224 dated January 19, 2017 in the amount of RUB 7,857,689.28.

16. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154177 dated November 3, 2016 in the amount of RUB 8,820,616.95.

17. Banking transactions dated April 7, 2017 for the repayment of debt by an individual under loan agreement No. 154126 dated July 21, 2016 in the amount of RUB 10,235,815.39.

By the rulings of the Arbitration Court dated May 28, 29, 31, June 5 and July 3, 2019, the applications of the bankruptcy trustee by the Bank were denied.

By the decisions of the Ninth Arbitration Court of Appeal dated October 14 and 23, 2019, the previously issued judicial acts were left unchanged, the appeals of the bankruptcy trustee of the Bank were not satisfied.

By the decisions of the Arbitration Court of the Moscow District dated December 25, 26 and 27, 2019, the previously issued judicial acts were left unchanged, the cassation complaints of the bankruptcy trustee of the Bank were not satisfied.

18. Banking transactions dated March 29, 2017 for the issuance of funds through the cash desk of the Bank in the total amount of RUB 5,380,000.00. from the account of United Crane Technologies LLC opened with the Bank.

By the decision of the Arbitration Court of Moscow dated June 4, 2018, the application of the Bank’s bankruptcy trustee was partially satisfied, the banking operations dated March 29, 2017 were declared invalid and the consequences of their invalidity were applied in the form of the restoration of the Bank’s obligations to United Crane Technologies LLC in the amount of 5,380 RUB 000.00 and recovery of the specified amount from United Crane Technologies LLC in favor of the Bank. With regard to the collection of interest for the use of funds - denied.

By the decision of the Ninth Arbitration Court of Appeal dated August 24, 2018, the specified definition was left unchanged, the appeals of United Crane Technologies LLC and the bankruptcy trustee of the Bank were not satisfied.

By the decision of the Arbitration Court of the Moscow District dated November 26, 2018, the earlier judicial acts regarding the refusal to satisfy the Bank's claims for the collection of interest for the use of funds were canceled, and interest for the use of funds was collected from United Crane Technologies LLC in favor of the Bank. The rest of the said judicial acts were left unchanged, the cassation appeal of United Crane Technologies LLC was not satisfied.

By the ruling of the Moscow Arbitration Court dated October 4, 2019, the application of United Crane Technologies LLC to review the ruling of the Moscow Arbitration Court dated June 4, 2018 due to newly discovered circumstances and the documents attached to it were returned to the applicant.

By the decision of the Ninth Arbitration Court of Appeal of December 26, 2019, the ruling of the Moscow Arbitration Court of October 4, 2019 was left unchanged, the appeal of United Crane Technologies LLC was not satisfied.

On March 28, 2017, an entry was made in the Unified State Register of Legal Entities (EGRLE) about changing the name of the Bank from LLC CB REB (full name Commercial Bank Russian Elitary Bank (limited liability company)) to BANK AGORA LLC (full name name Commercial Bank "AGORA" (limited liability company).

Commercial Bank "REB" ("Russian Elite Bank") has been on the market since March 1995.

The institution has a license from the Central Bank of the Russian Federation for banking activities.

The Bank was granted licenses to carry out operations with rubles and foreign currency, cooperate with legal entities and individuals, and participate in the securities market.

The Russian elite bank has a reputation of a reliable and stable partner.

The institution is an active member of a number of associations, namely: MICEX (currency and stock section), the Association of Russian Banks, the SWIFT association. The institution has the right to provide customs guarantees.

The main clients of the bank are commercial organizations of various levels. The main direction of the work of the Russian Elite Bank is the provision of loans to organizations for development.

The institution offers clients services in settlement and cash services, opening deposits, issuing loans, operations with securities and currency. Clients are provided with advice. Corporate clients have access to the "Internet - client" service.

As of February 2020, Bank Agora ranks 347th in the rating of Russian banks in terms of assets. according to the Central Bank.

Central Bank of the Russian Federation (Bank of Russia)
Press Service

107016, Moscow, st. Neglinnaya, 12

On the revocation of the banking license from the credit institution ROSENERGOBANK and the appointment of an interim administration

By Order of the Bank of Russia No. OD-942 dated April 10, 2017, the banking license of the credit institution Commercial Bank ROSENERGOBANK (Joint Stock Company) CB REB (JSC) was revoked from April 10, 2017 (registration No. 2211, Moscow) .

The credit institution turned out to be unable to fulfill its obligations to creditors, in connection with which the Bank of Russia became obliged to revoke its banking license. At the same time, CB REB (JSC), in violation of the relevant order of the Bank of Russia, incorrectly reflected in the reports submitted to the supervisory authority information on unsatisfied creditors' claims. The regulator has repeatedly applied supervisory response measures against the credit institution, including restrictions on attracting deposits from the public.

Problems at KB "REW" (JSC) arose in connection with the use of an extremely risky business model, poor quality of management and assets. The activities of the bank showed signs of dishonest behavior of the management and owners, expressed in the withdrawal of assets (primarily by issuing loans to legal entities in respect of which circumstances were established indicating the absence of real activity) with damage to the interests of creditors and depositors, as well as in drawing up inaccurate financial statements.

To date, the management and owners of CB "REB" (JSC) have not taken effective measures to normalize its activities. Under the circumstances, the Bank of Russia, on the basis of Article 20 of the Federal Law “On Banks and Banking Activities”, fulfilled its obligation to revoke a banking license from a credit institution.

Considering that the license of CB "REB" (JSC) was revoked in connection with the establishment of facts of significant unreliability of reporting data, in accordance with Part 1.2 of Article 140 of the Code of Criminal Procedure of the Russian Federation and Article 75.1 of the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia) » the relevant materials will be sent by the Bank of Russia to the Investigative Committee of the Russian Federation to resolve the issue of initiating a criminal case on the grounds of a crime under Article 172.1 of the Criminal Code of the Russian Federation.

In accordance with Order No. OD-943 of the Bank of Russia dated April 10, 2017, a temporary administration was appointed to CB REB (JSC) until the date of appointment in accordance with the Federal Law "On Insolvency (Bankruptcy)" of a bankruptcy trustee or appointment in accordance with Article 23.1 of the Federal Law "On Banks and Banking Activity" of the liquidator. The powers of the credit organization's executive bodies have been suspended in accordance with federal laws.

CB REB (JSC) is a member of the deposit insurance system. The revocation of a banking license is an insured event provided for by Federal Law No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation” in relation to the bank's obligations on deposits of the population, determined in accordance with the procedure established by law. The specified Federal Law provides for the payment of insurance compensation to bank depositors, including individual entrepreneurs, in the amount of 100% of the balance of funds, but not more than 1.4 million rubles in total per depositor.

According to the reporting data, as of March 1, 2017, CB REB (JSC) ranked 92nd in the banking system of the Russian Federation in terms of assets.

The credit institution was registered in 1992 as Empils-Bank. In 1996, the organizational and legal form was brought into line with the legislation in force at that time - a closed joint stock company. In 2002, by decision of the general meeting of shareholders, the bank changed its name to Rosenergobank. In November 2010, the credit institution increased its authorized capital by 600 million rubles (up to 699 million; currently it has reached 988 million rubles) through an additional issue of shares. In November 2015, the legal form of the bank was changed to JSC. Since September 2005, the bank has been a member of the deposit insurance system.

It should be noted that in 2016 the bank was repeatedly included in the list of violators of the Central Bank's standards due to the decrease in the adequacy ratios for basic (N1.1) and core (N1.2) capital below the level set by the regulator. On October 6, 2016, the Bank of Russia announced on its website that Rosenergobank's H1.1 ratio had been reduced below 5.125% for six or more days in the reporting month. The consequence of this situation was the termination by the credit institution of obligations under subordinated loan agreements. Thus, the shareholders forgave the bank's subordinated debts by converting them into shares, which made it possible to restore the basic capital adequacy ratio.

According to the latest available data disclosed on the website of the Central Bank (as of March 9, 2017), the main beneficiaries of the bank were member of the board of directors Natalya Tikhomirova, Galina Garenskikh, Georgy Dzhaniashvili and Alexander Bazulev (10% each), chairman of the board of directors Ilya Morozovsky, Artem Angilov, Dmitry Poleshchuk and Natalya Sinitsyna (8.03% each), Boris Stein (7.72%), Natalya Kuzovleva (7.63%), Yuri Deryugin (7.57%), Vladimir Andreev (4.74%). Minority shareholders accounted for 0.21%. However, even before the end of March 2017, there were changes in the composition of the Board of Directors and the Management Board, as well as the list of shareholders of the bank. As a result, at the moment, the main beneficiaries of Rosenergobank are member of the board of directors Lidia Vasilyeva, Alexander Matveev, Georgy Dzhaniashvili and member of the board of directors Alexander Bazulev (10% each), chairman of the board of directors Konstantin Schwartz, Artem Angilov, Dmitry Poleshchuk and Natalia Sinitsyna (8 each, 03%), Boris Stein (7.72%), Natalya Kuzovleva (7.63%), Andrey Didenko (7.57%), Vladimir Andreev (4.74%), minority shareholders account for 0.22%.

The head office of the credit organization is located in Moscow. In addition, the bank has branches in St. Petersburg, Arkhangelsk, Astrakhan, Voronezh, Kazan, Krasnodar, Maykop, Novorossiysk, Perm, Rostov-on-Don, Samara, Saratov, Sochi, Stavropol, Ufa and Yaroslavl. In general, the bank's sales network (excluding the head office) includes 40 divisions and 33 own ATMs. The average headcount in 2015 was 818 people.

The bank serves both private and corporate clients, offering lending services (for individuals - consumer, mortgage, car loans), a range of deposits, bank cards of MasterCard Worldwide and Union Pay international payment systems, safe deposit box rental, depositary operations, insurance services, Internet banking and mobile bank "EnergoKontakt", money transfers (Western Union, "Zolotaya Korona") and payment for services, payroll projects, leasing, servicing foreign economic activity, bank guarantees, operations with precious metals, etc.

At various times, the bank's clients included the Moscow Power Engineering Institute, the Rosenergoatom concern, Kirovenergo JSC, Kostromaenergo JSC, Mordovenergo JSC, Novgorodenergo JSC, Rostovenergo JSC, the Caspian Energy group of companies, JSC "Inkom-Nedvizhimost", OJSC "Map of the Fatherland", OJSC "Ulyanovsk Mechanical Plant", OJSC "Corporation Tonar", OJSC "Abi Software", OJSC "Kubanenergo", OJSC "Metrovagonmash", OJSC "Mosoblenergo", MUP "Sochiteploenergo" , CJSC Housing Capital, CJSC Transmashholding, etc. The priority direction of the bank's activity is the development of lending programs for small and medium-sized businesses, the financial institution participates in joint projects with the Moscow government, in particular, in the program of the Moscow Small Business Lending Assistance Fund.

Since March 2016, the volume of the bank's net assets has slightly decreased (-1.9%), amounting to 56.9 billion rubles by March 1, 2017. During this period, the assets of enterprises and organizations in liabilities almost halved in volume, in addition, the bank repaid almost 90% of its interbank debt. The reduction in the above-mentioned liabilities was largely offset by an influx of deposits from individuals and an increase in equity capital. Even more noticeable structural changes were observed in the assets: the bank almost completely got rid of investments in securities and the portfolio of issued interbank loans, reduced the stock of highly liquid assets by 74%. At the same time, the bank moderately increased its loan portfolio, fixed assets and more than tripled other assets.

The structure of liabilities is poorly diversified. The deposits of individuals account for 64.2% (a year earlier - 58.3%), the funds of enterprises and organizations form 7.5% (13.3%), attracted interbank loans and issued promissory notes - just over 2%. About 18% are own funds. Dependence on the funds of individuals is assessed as high. The bank's client base is small but stable, turnovers on client accounts (mainly represented by balances on current accounts of legal entities) over the past year were at the level of 15-20 billion rubles a month.

The leading position in the structure of net assets is occupied by the loan portfolio - 65.6%. A significant share of assets (20.5%) is immobilized in the form of fixed assets. Other assets account for 11.8% and are mainly represented by claims on other operations. The share of highly liquid assets does not exceed 2%.

From March 2016 to March 2017, the loan portfolio grew by 8.8%, traditionally largely formed by corporate loans. At the same time, during the analyzed period, the bank increased its portfolio of retail loans by 91% and the portfolio of legal entities by 5.7%. The loan portfolio is predominantly long-term. According to financial statements, the bulk of corporate loans traditionally accounted for trade, services and manufacturing industries. The level of overdue debt as of March 1, 2017 was 3.8%, almost unchanged over the past year, which is a moderate indicator. The portfolio provisioning level exceeds 9% - the same as a year earlier. The loan portfolio is secured by 113% property collateral, which is a sufficient level of security.

By the reporting date, the bank reduced investments in securities to an insignificant amount - 0.3% of net assets. Previously, the portfolio was fully represented by investments in bonds, while the credit institution demonstrated significant turnover in operations with securities. The volume of conversion operations also decreased since the beginning of 2017, although they remain quite noticeable (49-76 billion rubles).

At the end of 2016, Rosenergobank suffered a net loss of 696.5 million rubles under RAS (in 2015, the loss amounted to almost 400 million rubles). The main reason for the bank's negative financial result was contributions to the reserve fund for possible losses, as well as the high level of operating expenses of the credit institution. According to the results of two months of 2017, the bank went into plus - the profit amounted to 43.6 million rubles.

Board of Directors: Konstantin Schwartz (Chairman), Alexander Bazulev, Lidia Vasilieva, Maria Maklakova, Raymond Miirov, Hubert Albert Pandza, Mark Schreiber.

Governing body: Mark Schreiber (chairman), Mikhail Bogolyubsky, Vitaly Sukhov.