Under the "roof" Rosselkhozbank organized financial "laundry"?
The huge loss
One of the largest state-owned banks, the Agricultural Bank (Rosselkhozbank), continues to show huge losses.
As follows from the statements of the Russian Agricultural Bank's RAS January 1, 2016, its net loss for 2015 amounted to 72.6 billion rubles. http://www.kommersant.ru/doc/2900837 This is a record for him in 2008. By the way, a year ago RAB also showed losses. In particular, during 2014 Rosselkhozbank loss was 7.5 billion rubles.
Experts are wary of such a significant increase in RAB losses in just one year. And this despite the fact that Russia was pursuing a policy of anti-sanctions, closing their borders to European products and helping domestic producers.
It would seem that the Russian agricultural market must be on the rise, and Rosselkhozbank should show a profit, but instead a continuous losses recorded in the financial statements of the bank.
Moreover, the Agricultural Bank burdened with problem debts. As it turned out, the volume of bad debts in its corporate portfolio under RAS increased during the year to 165.8 billion rubles. up to 226.2 billion rubles. delinquency rate - from 13.4 to 14.9%.
According to Moody`s estimated for mid-2015 the portfolio of problem loans was reserved only slightly more than a third.
As of 1 January 2015, according to the bank statements cover overdue loans by provisions amounted to 87% on 1 December 2015 - 66% as of 1 January 2016 - 78%. For comparison - the Savings Bank, this ratio was 190% at 1 January 2016.
Bank pulls money out of state
It would seem, chairman of Rosselkhozbank Dmitry Patrushev must make every effort to save the financial institution entrusted to him, but instead continues to Rosselkhozbank corny "pull" money from the state.
For example, in May 2015, Prime Minister Dmitry Medvedev signed a decree on additional capitalization of Rosselkhozbank by 10 billion rubles http://www.kommersant.ru/doc/2699050. The money helped the bank to compensate for losses accumulated since the beginning of 2015, in the amount of 9.2 billion rubles.
Then, in June 2015, Rosselkhozbank management again asked to replenish capital by 35 billion rubles. until the end of 2015 http://www.vedomosti.ru/finance/articles/2015/05/21/rosselhozbank-snova-poprosil-deneg-u-gosudarstva. Moreover, the money the bank in addition to the capital increase required by federal loan bonds (OFZ) and OFZ through Rosselkhozbank could get another 68.5 billion rubles.
Dmitry Patrushev, the head of Rosselkhozbank
Thus at the time the petition an additional 35 billion rubles., In the Agricultural Bank of 1.4 trillion rubles. total portfolio 429 billion rubles. (31%) were non-performing loans, as well as on those loans, the quality of which is questionable.
A year earlier, the situation in the Agricultural Bank was not much better. The fact is that in 2014, RAB has received from the state 30 billion rubles .: 5 billion due to the additional issue and 25 billion due to the conversion of the subordinated loan VEBa. This has helped the bank to create reserves to 56 billion rubles. And the bank's capital was reduced to 198 billion rubles.
It turns out that Dmitry Patrushev solves problems managed them to the bank at the expense of subsidies from the budget. In fact, the Agricultural Bank has become a "financial sponger".
Doubtful senior manager
It is worth noting that the experts have a lot of questions and to Dmitry Patrushev, who led the Agricultural Bank in 2010 (at age 33).
As it turned out, Dmitry Patrushev had to unlearn in four high schools: the Graduate School of the Federal Security Service, the State University of Management, the Diplomatic Academy and the St. Petersburg University of Economics and Finance. The experts do not understand how he had the time to study at four universities and at the same time be Vice-President of VTB, in which he worked before moving to the Agricultural Bank.
Moreover, Dmitry Patrushev to '31 had become a doctor of economic sciences http://www.newsru.com/finance/17may2013/bnkgsrural.html, which means that he also had to defend two dissertations except for work and study. Skeptics like "too cool" Patrushev progress in the scientific field cause obvious doubts. In addition, if such a "child prodigy", why then led them to the Agricultural Bank carries huge losses and constantly asking for money from the budget?
By the way, on an analytical site "Dissertnet", where experts dismantled the thesis of Russian officials and top managers of state corporations, have a complete analysis of the borrowing http://www.dissernet.org/expertise/patrushevdn2008.htm, found in Dmitry Patrushev thesis. This allows the head of Rosselkhozbank suspect in the banal plagiarism.
Evil tongues say that the post of head of Rosselkhozbank Dmitry Patrushev got through connections of his father - Russian Security Council Secretary and former FSB director Nikolai Patrushev http://ura.ru/news/1052114490.
By the way, in the appointment Dmitry Patrushev, Rosselkhozbank preceded by checking the prosecutor's office https://archive.is/4EqnS. Following his arrival Bank left many leading http://www.rospres.com/specserv/6814/ management, including board members (then) Minister of Agriculture Yelena Skrynnik and deputy chairman Arkady Kulik - the son of the former vice-premier Prime Minister on agriculture Gennady Kulik.
Dmitry Patrushev accused of that Agricultural Bank loans associated with family firms Patrushev http://www.novayagazeta.ru/inquests/68292.html. For example, the Agricultural Bank provides loans "Agro-line" http://www.slivcompromata.com/2015/04/29/biznes-semi-patrushevyh-ot-eksporta-lesa-do-torgovli-zakromami-rodiny/ , Which is headed by a relative of Alexei Patrushev, and he, in turn, is the nephew of Nikolai Patrushev https://archive.is/L1ngH.
According to experts, the fact that the Agricultural Bank helps "Patrushev family business", says that the head of Rosselkhozbank be suspected of abuse of office.
The conflict with the head of the Ministry of Agriculture
In the media there is information about the tensions and Rosselkhozbank management of the Minister of Agriculture of the Russian Federation Alexander Tkachev http://www.vedomosti.ru/finance/articles/2015/05/21/rosselhozbank-snova-poprosil-deneg-u-gosudarstva (former governor Krasnodar Territory)
Back in May 2012 Tkachev accused RAB inefficient disposal of assets, which went to the bank for debts. During the crisis, the state bank received from AIC "Mayak" six major sugar factories in the Krasnodar region.
Alexander Tkachev, the Minister of Agriculture of the Russian Federation
Even in 2011, RAB began airing plants "Lighthouse" in the Krasnodar Territory concern "Basil", but the process has stalled. Tkachev said at the time that the promised modernization of plants and does not start, though the bank undertook to find an investor for it.
It is worth noting that the Agricultural Bank prefers to take the debtor's assets intact holdings that clearly unites the bank with regular raiders. As a rule, Rosselkhozbank starts its bankrupt debtors, not going to meet them, and creating additional problems with loan repayment.
Rumor has it that this is what has been attacked by the agricultural holding "Emerald Country" spouses Alexander and Olga Antipina http://scandaly.ru/2012/08/16/rosselhozbank-reyderyi-v-zakone/. "Emerald Country" Rosselkhozbank owed 8.3 billion rubles. However, the agricultural holding Antipina started having problems with Rosselkhozbank. In particular, "Rosselkhozbank" suddenly refused "Emerald country" in a previously promised "short" credits for planting, without which no cost, virtually no agricultural enterprise.
Antipin could do without these loans, but decided to purchase new equipment. But this time, the bankers refused to credits, and even demanded early repayment of the previous loan.
After that the standard scenario "raider attack," in which the security forces have detained Olga Antipin http://brl.mk.ru/articles/2012/08/16/737505-altayskuyu-predprinimatelnitsu-olgu-antipinu-zaderzhali-v-aeroportu.html . She was arrested immediately after the meeting with representatives of the Agricultural Bank in Moscow. The experts considered that Rosselkhozbank attack on the "Emerald country" was held under the scenario "dashing 90".
"Spin" assets "on a grand scale"
By the way, the Agricultural Bank in the past "with great zeal" for similar schemes selected the businessmen-farmers of their assets. For example, the Samara branch of the Agricultural Bank took over the debts of all the assets of one of the largest agricultural holding in the Samara region "Alicor Groups".
The property "Rosselkhozbank" crossed assets: "Bezenchuksky elevator", JSC "Podbelsky elevator", JSC "Pohvistnevsky elevator", JSC "Koshkinsky elevator", JSC "Alexis HPP", OAO "corn" (flour mill), OJSC "Samara feed mill "construction pig farm in Krasnoarmeysk area extraction plant based Bezenchuksky elevator and three dairy complex for 1200 heads and lots of farmland total area of about 200 thousand. ha.
Also recalls the case when Rosselkhozbank passed to assets such as the Crimean fishing industry holding "blue sea", the largest meat producer in the Leningrad region "Parnas-M", the sugar mills "Euroservice" meat processor "Buryatmyasoprom" grain processing enterprise LLC "Zernostandart- Kostroma ", JSC" plant mill in Sokolniki ", etc.
It seems that instead of the development of the Russian agricultural market by lending to farmers top managers of Russian Agricultural Bank are engaged in banal raiding.
Communication with OPG
Against the background of how the assets Rosselkhozbank selects conventional farmers, there were rumors in the business community that the Agricultural Bank may be associated with organized crime and to support businesses "criminal elements."
The thing is that previously JSC "Russian Agricultural Bank" engaged in lending business, controlled by organized crime groups scandalously famous "Tsapkovskie" of Krasnodar Krai (aka - Tsapkov gang). Simply put, the Agricultural Bank credited Tsapkov http://www.kommersant.ru/doc/2427205.
Sergey Tsapok, the late leader of the "Kushchevskaya OPG"
However, given the fact that the hoe, according to rumors, led the business together with the relatives of influential Russian officials http://www.yuga.ru/articles/society/7326.html, the Agricultural Bank lending activity of firms controlled by "Kushchevskaya gang" , it is understandable.
After the Agricultural Bank headed by Dmitry Patrushev, Rosselkhozbank top managers of the branches have been increasingly blamed for the withdrawal of assets. For example, the former head of the Altai branch of Rosselkhozbank Eugene Gladyshev Rogowski and Constantine are suspected of fraud in lending to a company that has accumulated debt of 20 billion rubles http://ria.ru/incidents/20121228/916589799.html.
Eugene Rogowski, former head of the Altai branch of Rosselkhozbank
You can also recall the history, when the former head of the Yaroslavl branch of Rosselkhozbank Andrei Lebedev suspected of abuse of authority when issuing loans for 350 million rubles http://yarnovosti.com/rus/news/yaroslavl/society/lebedev_popal_pod_amnistiu. It later emerged that he may be involved, and other multi-million dollar theft.
Earlier, Russian FSB opened a criminal case against Sergei Davydov and Edward Kutygin http://www.rospres.com/finance/12182/, at various times occupied the post of the head of the Ulyanovsk regional branch of JSC "Rosselkhozbank". They are suspected of large-scale embezzlement of bank funds.
Still remember the scandal when criminals under the guise of bank lending to affiliated companies of OJSC APK "OGO" was stolen from the Agricultural Bank of 1.2 billion rubles. http://ord-02.info/novosti-rossii/item/29647-odnodnevno-rashititelnyiy-rosselhozbank
The exact amount stolen from the Agricultural Bank is currently unknown, but, for example, at the end of September 2012 the total amount of stolen and laundered funds to Rosselkhozbank exceed 5 billion rubles http://www.bfm.ru/news/208271. If so much money stolen from Rosselkhozbank in just 2 years Patrushev leadership, scary to imagine how much money top managers withdrew from RAB at the moment.
Theft in the Urals
Not so long ago stradnikami FSB Sverdlovsk region opened a criminal case on the fact of abuse leadership of the regional branch of Rosselkhozbank. The criminal episodes, the damage from which is measured by 3 bln. Rubles https://www.kompromatural.ru/fsb_rassleduet_kak_aleksandr_paramonov_obul_rosselhozbank, refer to the period when the bank branch was headed by Alexander Paramonov (he was dismissed from the Agricultural Bank in November 2014).
In this 3 billion rubles. - A total damage, folded in a series of separate thefts from the Ural branch of Rosselkhozbank. In one case, for example, the management of the branch of Rosselkhozbank in the Sverdlovsk Region has approved the issuance of deliberately non-performing loans in the amount of 250 million rubles.
It is clear that top managers of the branches of Agricultural Bank Rosselkhozbank has long turned into a means for their own gain. Apparently, only the change of the entire leadership of the theft of the tank in the RAB will be able to stop.
In addition, according to experts, Rosselkhozbank is thriving so-called "internal corruption" (in other words, trading post). Take for example the scandal in the Samara region, where the widow of the deputy head of the local branch of Rosselkhozbank Dmitry Puzikova trial for allegedly killing her husband.
Human rights activists believe that the wife of the late banker Catherine Puzikova corny framed and conviction against this woman is now under review.
Dmitry Puzikov, the late head of the local branch of the Agricultural Bank in the Samara region
But the prosecutor's office has already called attention to the testimony of the citizen Puzikova to transfer her late husband a large sum of money for his assistance in appointing him to the post of chairman of the bank http://www.kommersant.ru/doc/2822472.
It is said that a bribe Dmitry Puzikov handed to representatives of federal leadership Rosselkhozbank. It turns out that is surrounded by Dmitry Patrushev traders may act post. Unfortunately, the investigators will never be able to interrogate Dmitry Puzikova, so he was killed. As the saying goes, "wiser" ...
Deputy Patrushev involved in bank fraud?
Frequent corruption scandals and Rosselkhozbank manual. Take, for example, the case when the deputy chairman of Rosselkhozbank Andrew Alyakin stepped http://www.forbes.ru/news/247013-zampred-rosselkhozbanka-alyakin-ushel-v-otstavku resign because of the scandal with the withdrawal of assets, which implicated his brother Alex Alyakin.
In October 2015 former shareholder of a number of bankrupt banks Alexey Alyakin was wanted. He was in absentia charged with the organization of multi-million theft from the bankrupt bank "Pushkino". Through the issuance of loans "front companies" from the bank stole 469 million rubles. http://www.kommersant.ru/doc/2827658.
Alex Alyakin, brother of ex-deputy head of Rosselkhozbank
Since the ex-deputy Dmitry Patrushev accounted brother "bank swindler" and "escaped" from the Rosselkhozbank management against the background of the scandal with fraud Alexei Alyakin, there is a version that Alyakin brothers could "clean out" and the Agricultural Bank.
It seems that the theft involved themselves leaders of Rosselkhozbank. According to experts, the federal government is high time to change the whole "tip" Rosselkhozbank Dmitry Patrushev and send in his resignation. Otherwise, the Agricultural Bank will continue to pull money out of the state, showing huge losses.