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Bank "European", Kaliningrad. Loans and deposits. Why was the license revoked?

From time to time, the Central Bank carries out a planned clean-up among existing financial institutions. At the same time, he leaves the most valuable and promising players. Weak and unprofitable in this list of lucky beggars. This time the bank "European" (Kaliningrad) fell under the hot hand of the regulator. What is the reason for revoking the license? And what is the future of the bank?

A brief background of the "European"

Bank "Evropeisky" started its activity in Kaliningrad in 1991. Initially it was called "Baltconversbank". About four years later the financial organization was reorganized and became known as the "European" bank.

Its priority was to serve legal entities, therefore, among the bank's clients there were managers of large metallurgical, machine-building, transport and construction enterprises, as well as corporate clients in the person of influential people of the city and the region.

Bank "Evropeisky" (Kaliningrad): ATMs, branches and owners

Up to a certain point, the bank's clients were about 4000 owners of various companies and large corporations. Since its opening, the organization has improved its level of service and developed its own branch network, which consisted of six branches and about 29 ATMs.

First, the founders of the organization were the following companies:

  • Converse Bank;
  • CentroVEX;
  • Scientific and technological center "Inform";
  • "City Development Fund";
  • WEF "Kaliningrad-Itorg".

From December 2012 until early 2014 the main holder of shares of the credit institution was the company "Iluzanion Consultants Limited", registered in Cyprus. Also part of the bank's shares belonged to the non-state pension fund Regionfond and several private individuals.

Prior to the withdrawal of the license, "European" ranked 245 in the ranking of banks by the size of its assets. The size of net profit for this organization was 124.6 million rubles. At the same time, the share of own funds corresponded to 980 million rubles, and the size of assets - 9.84 billion rubles. It was such a stable and promising bank, "European" (Kaliningrad). The license was revoked from this financial institution in December 2014. What is the reason for this? And what were the consequences for the bank?

Why was the license revoked from the bank?

The reasons for revoking the license from the European Bank are several. One of them is financial problems of "Investbank", which, strangely enough, affected almost all organizations of the region.

At the same time, rumors spread that many financial organizations in Kaliningrad and the region are also facing an unenviable fate. As a result, under the windows of most credit institutions, including the bank "European" (Kaliningrad), crowds of excited investors appeared.

Because of this great excitement, the bank's representatives had to set a daily limit of 10,000 rubles, in order to reduce the intensity of passions and minimize the outflow of capital. However, even these emergency measures did not help: the influx of depositors did their job and the material stability of the "European" was shaken.

The second reason is called by the regulator, referring to the high-risk policy of the organization, the violation of the conduct and delivery of the planned accounts, regulations, as well as the lack of the bank's ability to pay off creditors' accounts. According to preliminary information, the bank "European" (Kaliningrad) was on the verge of bankruptcy, as it had a negative balance (about 1.3 billion rubles).

What are the consequences of a license withdrawal from a bank?

After the license was revoked, the "European" regulator created an interim administration, the bank was put up for auction, and the "Deposit Insurance Agency" returned approximately 3.7 billion rubles to the depositors of the financial institution.

Who purchased the "European" at a bargain price?

In January of last year, the bank "European" (Kaliningrad) was acquired by the bank "St. Petersburg", one of the thirty most influential and large financial institutions in Russia. The purchase of a semi-bankrupt bank cost the buyer 625 million rubles.

What happened to the customers of the European?

In January this year, the buyer settled all legal issues and finally became a full-fledged owner of the "European". In particular, after buying this bank took an honorable place in the line of the branch network of the bank "St. Petersburg". Its head was the former chairman of the board of the once prosperous, and now bankrupt credit organization, Dmitry Danilov. In turn, all customers of the former "European" very quickly were transferred to the service of the bank "St. Petersburg".

Moreover, the site of the bank "European" (Kaliningrad) did not change its domain name and almost visually did not change. He remained the same as he was. But on the site itself there is information about "St. Petersburg".

What credit products does the bank "St. Petersburg" offer?

At the moment, the bank "St. Petersburg" offers loans to corporate clients and individuals. For example, ordinary citizens can apply for an unprofitable "Salary" (up to 1 500 000 rubles), "Classic" (up to 750 000 rubles) or "Affiliate" loan (50 000-750 000 rubles). The interest rate for such programs starts at 17.5%.

The former bank "European" (Kaliningrad) offers loans and corporate clients. For example, representatives of small, medium and large businesses can get a loan for the development and opening of a business. Overdraft lending works here , investment and negotiable loans are provided.

In addition, individual servicing of private entrepreneurs is carried out, settlement and cash services are provided, trade financing and remote banking are provided.

What deposits can be made in the bank? St. Petersburg?

In addition to attractive credit programs, the former "European" (Kaliningrad) bank offers deposits in national and foreign currency. For example, the Deposit-Online program provides for the payment of interest at the end of the term, the interest rate of 10.4% per annum, as well as the possibility to choose an individual or fixed term. Another contribution of Prestige involves a quarterly interest payment, a rate of 9.2%, the ability to add money to the deposit.

"Strategist" provides for the payment of interest at the end of the term, the possibility of adding funds, as well as a rate of up to 10% per annum.

"Thirteenth salary" is a program designed for the owners of salary cards. It involves a monthly capitalization of interest, the ability to make additional contributions, an interest rate of 8.5%.

There are also other contributions: Pension, Strategy, Demand, Managed and Rentier.

At the moment, the bank "St. Petersburg" provides services to business representatives, individuals and corporate clients. Anyone interested can reside in it, living in Kaliningrad and the region.

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