Our vision for Sberbank in 2018 is based on five main areas of development or strategic themes. We believe that it is focused work in these areas that will lead us to success and will allow us to achieve all the financial and quality goals that we set for ourselves for the period up to the end of 2018. These five areas are:
The full version of the Sberbank Development Strategy can be found at the link.
08.12.2018 : State Corporation "Deposit Insurance Agency" (109240, Moscow, Vysotsky str., 4, address Email: [email protected]) (hereinafter referred to as the Auction Organizer), which is based on the decision Arbitration Court of Moscow dated October 13, 2016 in case No. A40-161812 / 16-174-250 by the bankruptcy trustee (liquidator) of the Joint Stock Commercial Bank"STRATEGY" (public joint-stock company) (JSC STRATEGIA (PJSC), registration address: 119435, Moscow, Bolshoi Savvinsky per., 12, building 11, TIN 7727039934, PSRN 1027739199355) (hereinafter referred to as the financial institution), electronic trading in the form of an open auction with a closed form for submitting proposals for the purchase price of property financial organization(hereinafter referred to as the Auction). The subject of the Auction is real estate: Lot 1 - Land- 4,812,890 +/- 56,065 sq. m, address: Nizhny Novgorod region, Sosnovsky district, Stechkino village (21 pos.), agricultural land, for agricultural production - 9,846,000.00 rubles. The lot is sold subject to the restrictions established federal law dated July 24, 2002 No. 101-FZ (as amended on July 3, 2016) "On the turnover of agricultural land." detailed information the composition of the lot of the financial organization can be found on the websites of the Organizer of the auction: www.torgiasv.ru, also www.asv.org.ru, in the sections "Liquidation of banks" and "Sale of property". Moscow time on February 4, 2019 on the electronic site of Implementation Center LLC - www.centerr.ru. If, following the results of the Auction scheduled for February 4, 2019, the lot is not sold, then at 14:00 Moscow time on March 27, 2019, on the electronic platform of Sales Center LLC - www.centerr.ru, repeated Auctions in an unsold lot with a decrease in the initial price of the lot by 10 (Ten) percent. organization for participation in the first Auction begins at 00:00 Moscow time on December 12, 2018, and for participation in the repeated Auction begins at 00:00 Moscow time on February 14, 2019. Applications for participation in the Auction and deposits are closed at 14:00 Moscow time 5 (Five) calendar days prior to the date of the relevant Trading. Based on paragraph 4 of Art. 139 of the Federal Law No. 127-FZ “On Insolvency (Bankruptcy)”, the property of a financial organization that is not sold at repeated Auctions is put up for auction in electronic form through public offer(hereinafter referred to as the PPP Auction). The PPP Auction will be held on the electronic platform of Implementation Center LLC - www.centerr.ru, from May 15, 2019 to June 25, 2019. Applications for participation in the PPP Auction are accepted by the Operator starting from 0000 :00 Moscow time on April 8, 2019. Applications for participation in the PPP auction and deposits are closed 5 (Five) calendar days before the end date of the corresponding period for reducing the sale price of the lot at 14:00 Moscow time. Participation in the PPP Auction The Organizer of the auction determines the winner of the PPP Auction not earlier than 14:00 Moscow time on the first business day following the closing day for accepting bids for the corresponding lot sale price reduction period, and not later than 18:00 Moscow time on the last day of the corresponding the period of lowering the sale price of the lot. The operator ensures the conduct of the PPP auction. The initial sale prices of the lot are set as follows: Lot sale, from May 28, 2019 to June 3, 2019 - in the amount of 95.00% of the initial lot sale price, from June 4, 2019 to June 10, 2019 - in the amount of 90.00% of the initial price sale of the lot, from June 11, 2019 to June 18, 2019 - in the amount of 85.00% of the initial sale price of the lot, from June 19, 2019 to June 25, 2019 - in the amount of 80.00% of the initial price sale of the lot. Individuals and legal entities (hereinafter referred to as the Applicant) registered in accordance with the established procedure on the electronic site of Realization Center LLC - www.centerr.ru are allowed to participate in the Auction and the PPP Auction. In order to participate in the Auction and the PPP Auction, the Applicant submits to the Operator an application for participation in the Auction (PPP Auction). The Application for participation in the Auction (PPP Auction) must contain: legal entity), last name, first name, patronymic, ▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒▒ e-mail address, information about the presence or absence of the Applicant's interest in relation to the debtor, creditors, bankruptcy trustee (liquidator) and the nature of this interest, information about participation in the capital of the applicant bankruptcy trustee (liquidator), property price proposal. electronic signature The applicant's deposit agreement. The applicant is obliged, within the period specified in this notice, and in accordance with the agreement on making a deposit, to make a deposit by transfer Money to the account for crediting the deposits to the Organizer of the auction: the recipient of the payment is the State Corporation "Deposit Insurance Agency", TIN 7708514824, KPP 770901001, account 40503810845250002051 in the Central Federal District of the Bank of Russia, Moscow 35, BIC 044525000. In the purpose of payment, you must indicate the name of the financial institution, the name of the Applicant, the date of the Bidding (the period of the PPP Bidding), for participation in which a deposit is paid, lot number. The applicant has the right to send a deposit to the above details without presenting a signed agreement on making a deposit. In this case, the transfer of the deposit by the Applicant shall be considered acceptance of the deposit agreement posted on the electronic site. The deposit for participation in the Auction is 10 (Ten) percent of the initial price of the lot. The deposit for participation in the PPP auction is 10 (Ten) percent of the initial sale price of the lot for the period. The date of making the deposit is the date of receipt of funds listed as a deposit to the account of the Organizer of the auction. implementation" - www.centerr.ru. The Applicant has the right to change or withdraw the application for participation in the Auction (Trading of the PPP) no later than the deadline for submitting applications for participation in the Auction (Trading of the PPP), by sending a notification to the Operator. applications with the documents attached to them, establishes the fact of receipt of deposits to the account of the Organizer of the auction within the time period specified in this message, and, based on the results, makes a decision on admission or refusal to admit the Applicant to participate in the Auction (Trading PPP). Non-receipt of the deposit on the account of the Organizer of the auction specified in this message, or receipt of the deposit after the expiration of the period specified in this message, or receipt of the deposit in an amount smaller than that specified in this message, are grounds for refusing to allow the Applicant to participate in the Auction ( Tendering PPP). Applicants admitted to participation in the Bidding (Trading PPP) are recognized as participants in the Bidding (Trading PPP) (hereinafter referred to as the Participants). The Operator sends notifications to all Applicants about their recognition as Participants or about refusal to recognize them as Participants. The Bidder who offered the highest price for the lot, but not lower than the initial sale price of the lot, is recognized as the Winner of the Auction (hereinafter also referred to as the "Winner"). If an equal price for a lot, but not lower than the initial sale price of the lot, was offered by two or more Participants, the Participant who submitted an application for participation in the Auction earlier than the other specified Participants is recognized as the Winner. holding. The Protocol on the results of the Auction, approved by the Organizer of the auction, is posted on the electronic platform of LLC "Realization Center" - www.centerr.ru. containing a proposal for the price of the property of a financial institution, but not lower than the initial sale price of property established for a certain period of the PPP auction, in the absence of proposals from other Participants. but not lower than the initial sale price of the property established for a certain period of the PPP auction, the right to purchase the property belongs to the Participant who offered the maximum price for this property. If the starting price of the sale of property set for a certain period of the PPP auction is lower, the right to purchase property belongs to the Participant who was the first to submit an application for participation in the PPP auction within the prescribed period. From the date of determining the Winner of the PPP auction for each lot, acceptance of applications for the corresponding lot is terminated. The Protocol on the results of the Tendering of the PPP, approved by the Organizer of the Tenders, is posted on the electronic platform of LLC Center for Realization - www.centerr.ru. The Organizer of the Tenders sends the Winner to the e-mail address specified in the application for participation in the Auction (PPP Auction), a proposal to conclude an Agreement with the annex of the draft Agreement. (Bidding PPP), proposals to conclude the Agreement and the draft Agreement, sign the Agreement and not later than 2 (Two) days from the date of signing send it to the Organizer of the auction. The Winner must immediately notify the Auction Organizer of the fact of signing the Agreement by any means available to him. Failure to sign the Agreement within 5 (Five) days from the date of its sending to the Winner means refusal (avoidance) of the Winner from concluding the Agreement. The amount of the deposit made by the Winner shall be counted against the price of the purchased lot. The Winner shall pay the seller, within 30 (Thirty) days from the date of conclusion of the Agreement, the sale price of the lot determined at the Auction (Auction of PPP), minus the deposit made earlier, according to the following details: the recipient of the payment is the State Corporation "Deposit Insurance Agency", TIN 7708514824, KPP 770901001, account 40503810145250003051 in the Main Directorate of the Bank of Russia for the Central Federal District, Moscow 35, BIK 044525000. In the purpose of payment, you must specify the name of the financial institution and the Winner, details of the Agreement, lot number and date of the Bidding (the period of the Bidding PPP). If the Winner does not fulfill his obligations specified in this message, the Organizer of the auction and the seller are released from all obligations related to the conduct of the Auction (PPP Auction), with the conclusion of the Agreement, the deposit paid by the Winner is not returned to him, and the Auction (PPP Auction) is recognized failed. The Organizer of the auction has the right to refuse to conduct the Auction (Trading of the VPP) no later than 3 (Three) days before the date of summing up the results of the Auction (Trading of the VPP). until 17:30, at the address: Moscow, st. Lesnaya, 59, building 2, +7(495)725-31-15, ext. 65-64. Contacts of the Operator Implementation Center LLC - www.centerr.ru, 119019, Moscow, Nashchokinskiy per., 14, +7(495)988-44-67.The bank was founded in April 1994. In December 2004, he entered into the deposit insurance system. In the second half of 2009, Alexander and Alla Urinson, who controlled more than 50% of the shares through Alur LLC until the summer of 2011, became the key beneficiaries of Strategy Bank. Alexander Urinson headed the Main Computing Center of the State Statistics Committee of the USSR and Russia from 1978 to 1992, and since 1994 he has been the non-replaceable chairman of the board of Strategy Bank. In July 2011, Alexander Urinson passed away. After that, the board of directors was headed by his brother, the former Minister of Economics of the Russian Federation, deputy chairman of the board of Rosnano OJSC Yakov Urinson, and Stanislav Berlizov, who had previously worked at Capital Trade Bank OJSC (see) and, took over as chairman of the board.
According to the head of the main department economic security and Combating Corruption of the Ministry of Internal Affairs of the Russian Federation Denis Sugrobov, in March 2012 law enforcement agencies seized documents related to the case of illegal withdrawal of funds abroad and laundering. The police stopped the activities of a criminal group consisting of bank employees who illegally cashed out more than 20 billion rubles. We are talking about employees of Master Bank, Zolostbank, as well as Bank Strategy. According to the Ministry of Internal Affairs, the defendants in the case, using one-day firms, transferred money using fake electronic orders to accounts of commercial banks, then to other accounts and cashed out. For their services, the organizers of the group, which included the heads of a number of banks and other organizations, took a commission in the amount of 3-7% of the payment amount.
Since February 2013, having acquired 19.46% of the shares, Pyotr Gaidar, the eldest of the children of the ex-Minister of Finance of the Russian Federation, Russian statesman and politician Yegor Gaidar, came to the bank. According to Pyotr Gaidar, Urinson was not only a like-minded person, but also a good friend of his father, and therefore the bank considered Pyotr Gaidar as a strategic shareholder. In addition to Pyotr Gaidar, the bank was owned by Oleg Medvedev, Leonid Kelyin, Alexei Andronov and Irina Rubinova (at that time they owned 19.9% of the bank each). Then Sergey Timofeev headed the board.
Later, in August 2014, the bank was again convicted by the Bank of Russia of failing to comply with the requirements of the legislation on combating the legalization (laundering) of proceeds from crime and the financing of terrorism. During the investigation, it turned out that with the help of 21 banks of the Russian Federation (including the Strategy bank), 700 billion rubles were withdrawn from Russia, the so-called “Moldovan scheme”. As a result, most of the banks were deprived of their licenses, but the Bank "Strategy" was only brought to administrative responsibility. This follows from the information provided by the Vedomosti newspaper, which obtained the letters Federal Service on financial monitoring of Moldova to the Russian Ministry of Internal Affairs.
Currently, the main beneficiaries credit institution Irina Rubinova (73.3%), Alexei Andronov (8.84%), Oleg Medvedev (8.84%) and Petr Gaidar (8.76%) are performing. The remaining 0.25% is distributed among minority shareholders.
The bank's network is represented by a head office in Moscow, a branch in Perm and 13 additional offices. The bank focuses on lending and settlement and cash services corporate clients- trading, manufacturing and construction organizations, enterprises energy industry. Among the key clients and partners, the bank names its former shareholders - Neftegazspetsstroy OJSC, Permenergo Energy and Electrification OJSC, Gaz-Oil LLC, Silvinit OJSC, State Statistics Service of Rosstat, information and publishing center "Statistics of Russia", CJSC " FPK "Kalugaenergoremont", LLC "Motor transport company "Veles" and other organizations.
For legal entities, in addition to key banking services, the bank also offers salary projects, acquiring, brokerage and depositary service, bank guarantees, salary projects, etc. Private clients are provided with deposits, consumer and mortgage loans, Money transfers through Unistream, Anelik, Leader, Contact, Western Union”, “IntelExpress” and “ gold Crown, rent safe deposit boxes, bank cards international payment systems MasterCard and Visa.
During the period under review, the net assets of the credit institution decreased by 7.82% (or by about 1 billion rubles) and as of February 1, 2016 amounted to 12.2 billion rubles. In the passive part of the balance sheet, the main reason for the decrease in the balance sheet currency was a significant outflow of funds from enterprises and organizations (-78.2%, or 4.83 billion rubles). That was partially offset by attracting additional volumes of deposits from the population (+68.67%, or 3.57 billion rubles). In the active part of the balance sheet, the above changes in liabilities caused a noticeable reduction, a significant reduction in the corporate loan portfolio (-11.17%, or 666.13 million rubles), as well as an almost complete reduction in the volume of funds placed on the interbank market. Highly liquid assets also showed negative dynamics (-26.46%, or 402.49 million rubles). At the same time, the credit institution for the analyzed period showed an increase in the portfolio of securities and investments in fixed assets.
The structure of liabilities is extremely weakly diversified. Deposits are the main source of funding for a credit institution. individuals, whose share as of February 1, 2016 amounted to 72.05% (at the beginning of 2015 - 39.38%). Almost the entire amount of funds of individuals is represented by deposits with a maturity of one to three years. Also, a significant share in the structure of liabilities is occupied by the own funds of a credit institution and the funds of enterprises and organizations, the share of which is reporting date amounted to 13.56% and 11.06%, respectively. Dependence on the funds of individuals is assessed as very high. Client base the bank was significantly reduced (due to the departure of legal entities). Turnovers on current accounts of customers previously reached values of 45-50 billion rubles. The current dynamics of turnover averages about 5.3 billion rubles a month.
The main part of net assets falls on loan portfolio(53.14%). Another 24.47% and 9.19% are occupied by other assets and highly liquid assets, respectively. fixed assets and intangible assets and investment in securities in total, they occupy a share of about 12% of the net assets of the credit institution.
During the period under review, the loan portfolio, formed by 81.86% of corporate loans, decreased by 5.35% or by 0.4 billion rubles in absolute terms, amounting to 6.5 billion rubles as of February 1, 2016. At the same time, during the analyzed period, the bank increased the share of retail lending. The loan portfolio is predominantly short-term, the share of loans issued for up to 1 year is 51.92%. According to the bank's financial statements under IFRS for 2014, the main share of corporate loans is represented by the following sectors of the economy: wholesale (49%), manufacturing (11%), construction (11%) and real estate (10%). The level of overdue debt as of February 1, 2016 amounted to 6.68% (at the beginning of 2015 - 3.40%), which is a rather low indicator. The provisioning level for the portfolio is at the level of 11.36% (at the beginning of the period - 8.38%), which is indirectly explained by the fact that the loan portfolio is only half secured by property.
The securities portfolio for the analyzed period increased by 194.9 million rubles (+38.99%), amounting to 694.6 million rubles as of February 1, 2016. The portfolio is 77.4% represented by investments in bonds (mainly corporate and bank bonds), investments in bank bills account for 21.9% of the securities portfolio. It is also worth paying attention to the fact that the credit institution does not use the securities presented in the portfolio as collateral for REPO transactions. The dynamics of portfolio turnover is low, which indicates either the poor quality of the portfolio or the bank's investment strategy in the securities market.
During the period under review, the credit institution's investments in highly liquid assets decreased by 26.5% (or by 0.4 billion rubles), amounting to 1.1 billion rubles as of February 1, 2016. The main volume of highly liquid assets falls on cash balances (80.3%), while nostro account balances also account for a significant share (8.3%). It is noteworthy that three-quarters of the bank's previously highly liquid assets were represented by investments in precious metals.
The Bank during the analyzed period showed moderate activity in the interbank loan market, acting mainly as a net creditor and supplying liquidity to residents for short and medium terms. Liquidity is also attracted from residents for similar periods. On the Forex market the bank shows relatively high turnover: up to 50 billion rubles per month.
At the end of 2015, the bank received net profit in the amount of 39.59 million rubles (in 2014 the bank received a net profit of 85 million rubles), and in January 2016 the bank received a net profit of 372 thousand rubles.
Board of Directors: Yakov Urinson (Chairman), Stanislav Berlizov, Pyotr Gaidar, Valentin Andreev, Diana Ksendzenko.
Governing body: Kirill Drugov (Chairman), Natalya Nikiforova, Elena Titova, Kristina Volchkova.
Alexander Kudryavtsev, banking analyst
information and analytical department of Banki.ru
Revoked license to operate banking operations at a credit institution Commercial Bank STRATEGIA (Public Joint Stock Company) JSCB STRATEGIA (PJSC) (registration No. 2801, Moscow) from 21.07.2016.
The decision to apply an extreme measure of influence — to revoke a banking license — was taken by the Bank of Russia due to the credit institution’s failure to comply with federal laws governing banking activities, as well as Bank of Russia regulations, the value of equity (capital) adequacy ratios below two percent, a decrease in the amount of own funds (capital) below the minimum value of the authorized capital established as of the date state registration credit institution, taking into account the repeated application within one year of the measures provided for by the Federal Law "On central bank Russian Federation(Bank of Russia).
Given the unsatisfactory quality of assets, JSCB STRATEGIA (PJSC) inadequately assessed the risks assumed in connection with this. Appropriate assessment of credit risk on demand supervisory authority revealed a complete loss of own funds (capital) of the bank. The managers and owners of the credit institution did not take 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» fulfilled the obligation to revoke the banking license from the credit institution.
In accordance with Order No. OD-2315 of the Bank of Russia dated July 21, 2016, JSCB STRATEGIA (PJSC) has been appointed a temporary administration for a period of validity 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.
JSCB STRATEGIA (PJSC) 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 insurance compensation 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.
