"Rosenergobank", revocation of license: reasons for the problem

The world is full of rumors. So they told us in childhood, and it's about this that even customers of banks tell . And, that's too much to say, many financial organizations have a reputation for 50% of the rumors and opinions of users. However, there is one but. It's one thing when there is a positive rumor about the company that you do not even want to refute, and quite another - if the bank is not talking flattering things. The victim of such statements, in our opinion, was Rosenergobank. Revoking a license is one of the main topics that is discussed daily in various financial forums and social networks. But will it be withdrawn? Or the bank, as in the near 2008, will manage to get out of the water?

General information on the operating bank

So, the subject of numerous discussions was The notorious Rosenergobank. Problems with this organization, like any other financial institution, periodically occurred. But, despite this, he is still afloat today. It is one of the largest financial institutions in Russia working in the field of crediting and servicing accounts of representatives of small and medium-sized businesses.

Clients of the financial institution: who they are

Clients of the organization at the moment are several large commercial structures, including those working in the fuel and energy sector. Today, the main source of financing for the bank are household deposits. Moreover, the commercial institute actively participates in trading on the market of conversion operations and securities. By the way, recently the regulator extended several licenses related to the market trading of a financial institution.

What is the panic of the public?

Most often, the cause of panic is fright from one or more clients of the credit institution. Their fear is usually associated with certain problems they have encountered. For example, let's imagine the situation when Rosenergobank does not make payments. Or rather, this trouble happened with the accounts of several people who panicked and began to spread their fears along the chain. And then the malicious virus of "bane-robbery" is picked up by other users, who begin to share their thoughts with other Russian citizens.

Actually, such a situation has recently happened with Rosenergobank. As a result of the panic, there was a growing distrust of the bank, rumors spread that he would lose his license very soon. But is there any reason for concern?

A short excursion into the past

Given the fact that the regulator ruthlessly chop heads to the left and right, depriving banks of wholesale licenses, completely exclude the possibility of possible bankruptcy. However, it is worth recalling the difficult situation faced by Rosenergobank (Russia) In the not so distant 2008. At that time, this financial institution did suffer some losses and was on the verge of losing its license. Immediately began to appear indignant users who complained about the freezing of payments and lack of response from the bank.

But even this influx of panic could be repaid to representatives of the financial institution. Ideal option at that time for a commercial organization was the use of a bill of exchange. Its essence was as follows: the bank's clients were offered to substitute special promissory notes for the organization's unfulfilled obligations. In particular, Rosenergobank (revocation of the license in this case was supposed, but it managed to be avoided) offered most of its customers to purchase 90% of the suspended amount of the bill, and 10% to take up cash.

According to lawyers, this approach allowed to completely eliminate the file of non-payers (it is here that non-executors of client's orders, including tax obligations, usually fill in). And the absence of such a card file, in turn, deprived the regulator of a formal basis for using the last resort in the form of a license revocation.

Because of what all the fuss?

At present, comments on Rosenergobank (user opinions) are associated with new concerns about its financial instability. There are several reasons for this:

• Artificial panic, organized by competitive banks;
• Panic in the network, created by the users themselves;
• Excitement in the press;
• Opinions of analysts;
• Visible inconsistencies in publicly available financial statements.

Among the main reasons for the panic, there are real gaps in reporting open to users.

According to analysts, the only way to avoid a decline in the rating of a credit institution is not to show reporting that could cause a negative reaction from clients. The same opinion seems to be shared by Rosenergobank itself (reviews about the bank in this case confirm this theory), as it posted its last report in August this year. Consequently, there is no data for September and the next two months on the regulator's website.

Taking into account the concealment of financial statements, many users, including financial experts and critics, have drawn conclusions about the instability of the bank. But is there any reason for panic?

"Rosenergobank", revocation of license: what do experts say?

According to experts, there is no need to panic, but it's worth thinking about the current situation. For example, many answers to questions regarding the financial situation of a financial institution can be found on its official website rosenergobank.ru.

It is on it that the representatives of the bank very accurately describe the essence of the real state of affairs. So, you can compare the amount of the organization's own funds, published in early October and September. In the first case, it amounted to 8.9 billion rubles, and in the second - 10.6 billion. Hence, we can conclude that in just a month there was a reduction in the amount of capital by as much as 16%. And this only says that the joint-stock company experienced a sharp increase in losses.

Further, the regulator himself also reports his fears about a decrease in the permissible value of the bank's personal capital in early October. According to this information, this value goes into minus, and then decreases to 5.125% and lower. As a result, the financial institution has problems with subordinated debts.

However, they managed to cope with it, when the shareholders decided to convert the debt into bank shares. It is due to this that the capital adequacy ratio was restored. In other words, no matter what financial problems Rosenergobank felt, the revocation of the license He is not yet threatened. Although it is not worthwhile to exclude the influence of other factors independent of the representatives of the financial institution.

In a word, hiding information gives a new reason for conjectures and assumptions. And most importantly, it negatively affects the reputation of a financial institution.

What do users think?

Clients of the credit institution often describe problems with cash withdrawal, talk about "hanging" payments and predict the bankruptcy of the organization. Other, on the contrary, speak about new advantages of cooperation with the bank. For example, one such innovation is a share for cardholders UnionPay International. Under its terms, when paying for a variety of goods and services abroad, customers of Rosenergobank will be able to receive up to 30% of the discount.

What do employees talk about?

Often, the financial instability of the credit institution is spoken by the workers themselves. This is also evidenced by the huge staff turnover. In order to understand this, you do not need to be an expert or an analyst. It is enough to enter into Rosenergobank. Employee feedback About the organization will also play an important role. But first, you need to look around. According to clients, the situation in any of the branches is quite ordinary. The service is stable and there is no sign of panic. The workers of the organization say that they do not plan to leave. They like the team, the management and the principle of work.

In a word, the site is working, employees do not run, money transactions are being carried out. Hence, the instability, and even more so about revoking the license, does not even go.