Shipbuilding Bank was founded in 1994 inMoscow The organization is the parent company of a financial group that includes MART REALTY and SB Debt Issuance Limited. As a result of repeated re-branding, the institution received the short name CB Saberbank LLC. The organization has established itself as an actively developing, focused on corporate clients. It ranks 80th in the hundred largest and third in the national ranking.
Shipbuilding Bank: problems
The reputation of the institution began to deteriorate at the end of 2014the year when the accounts of individual entrepreneurs and legal entities were frozen. At the forums, people complained about the undone payments of KB Sudostroitelny Bank. Customer reviews indicate a large number of problems due to late payment of taxes, resulting penalties and spoiled relations with counterparties.
Although some of the payments were still made.On January 14, 2015, operations ordered on December 26th took place. By law, a transaction is allocated for three days. Due to the fact that the Shipbuilding Bank does not make payments, the majority of customers were forced to refuse the services of the organization. At the same time, many note the benevolent attitude of employees who advise on the closure of accounts, which is not quite standard for this situation.
Soon there were claims and those who decidedContinue cooperation with Shipbuilding Bank KB LLC. The problems were aggravated when the organization began to change the application dates for payments in the Personal Account. The system shows the time of the payment, its receipt for processing and withdrawal of funds. These dates were updated daily.
Shipbuilding Bank Payment ProblemsI tried to solve it by opening a file of uncommitted operations. A new account 47418 was created specifically for these purposes. It reflected the transactions accepted for execution and sent to the Central Bank, but due to the lack of funds on the correspondent account these transactions were moved to a separate card file. Updating daily data, the bank tried to reduce the number of requests in the card index. But when uploading a technical file, you can see the real dates of the formation of documents. As a result, on January 27, the institution was completely disconnected from the electronic transaction system by the Central Bank.
Advertising campaign
To remedy the situation, stop the outflowcapital and reduce the money shortage, the organization began to offer individual conditions for deposits. The majority of individuals who did not know about the problems concluded new fixed-term contracts. And when their term expired, it turned out that Sudostroitelny Bank did not make payments and did not return deposits. At that time, a temporary administration was already operating.
New limits
There were restrictions on the issuance of cashwithout pre-ordering payment: from ATMs - 40 thousand rubles (even from Premium + credit cards) and 100 thousand - for other customers. For those who wished to receive large sums, it was necessary to place an order for 100 thousand rubles daily. At the same time, representatives of the bank stated that there were always restrictions on withdrawing cash. Just now the limits have changed. In 2013, without a preliminary request, it was possible to withdraw 1 million rubles. In 2014, this amount decreased by half, and in 2015 it was already 300 thousand rubles.
Rating
That the bank is having problems withliquidity, for many customers was a complete surprise. Back in 2014, the National Rating Agency gave the institution an “AA-” rating. At the end of the year, with the permission of the regulator, the own capital was increased due to the transformation of subordinated loans. In December, an active advertising campaign was held to attract deposits to Sudostroitelny Bank LLC. The reliability rating only at the beginning of 2015 decreased to the level "C". But even then, in public sources there was no information about violations in the activities. Therefore, investors and extended their contracts for deposits.
Clients stood up for protection
Not wanting to part with your favorite institution,depositors wrote a letter to the Central Bank asking not to liquidate the bank. It expressed the point of view that liquidity problems arose due to the collapse of the national currency and an increase in the refinancing rate. But ordinary customers are not able to anticipate such changes and assess their risks. In such a situation may be any credit institution in the country. It is not necessary to eliminate it. But these measures did not work.
License revocation
February 16, 2015 appeared a statement thatAttracting DIA for the improvement of the organization on reasonable terms does not work. Therefore, there was a decision to withdraw the Shipbuilding Bank from the market. The license was withdrawn on the same day.
Causes
По данным ЦБ, у организации было очень низкое asset quality, as funds received from individuals are incorrectly invested. This led to a complete loss of capital and a refusal to fulfill obligations to creditors. Moreover, the bank provided inaccurate reporting that hid existing problems. The owners did not try to correct the situation.
The institution has been active for a long time.participant of repo transactions on the stock exchange (Moscow). Shipbuilding Bank twice failed to meet its obligations in January 2015. The total amount of debt amounted to more than 2 billion rubles. Due to the economic crisis, the securities in which the funds were invested depreciated. A margin call was formed: the bank was unable to bring money and collateral to the Central Bank. Due to similar problems in 2008, Sviaz-Bank was brought under reorganization, and KIT-Finance was liquidated.
After the margin call, the problems in theKB "Sudostroitelny Bank". Customer reviews confirm that companies tried to return funds. At the stock exchange, the attitude towards the institution changed to a conservative one. Since the bank issued medium and long-term loans to legal entities, a low turnover of the loan portfolio was formed. it worked.
Representatives of the bank claim that problemsarose due to revaluation of federal loan bonds. December 16 OFZ with a maturity in 2028 per day fell to 53%, earlier (December 2019) - up to 65.1%. According to unofficial data, the addition of funds to the Central Bank amounted to more than 2 billion rubles. All banks that work on the REPO pyramid, faced simultaneously with two problems: raising the Central Bank rate and increasing the guarantee security on the exchange. Specifically, at the Shipbuilding Bank, 12% of liabilities were attracted to securities.
By law, if a bank is not able to meet the demands of creditors for two weeks, the Central Bank may revoke the license. What actually happened.
Return of deposits
Shipbuilding Bank, whose problemsfailed to settle, will be eliminated within two years. The first payments to depositors began on March 2. Since the bank participated in the deposit insurance system, customers can receive a 100% deposit, provided that its amount, taking into account interest, does not exceed 1.4 million rubles. The first will be repaid deposits of individuals. The total amount of deposits is 21.8 billion rubles.
Conclusion
At the end of 2014 at the Shipbuilding Bankthere were problems with liquidity. As a result, accounts of many legal entities and individual entrepreneurs were frozen. Due to the poor quality of the loan portfolio, it was not possible to restore the situation on their own. And the Central Bank refused to sanitize the institution.
