Bank National Credit

About bank

The National Credit bank was founded in 1993 as CB Shark, later was renamed into CB Bashcreditregionbank. Since 1999 replaced the name with National Credit, and in 2009 as a result of reorganization it is transformed to National Credit Bank. In 2011 JSB Bank of Khakassia transformed to Khakassia and Krasnoyarsky branches was attached to bank.

"The national credit" enters in top-150 the largest Banks of Russia. Its regional network covers 7 branches: in St. Petersburg, Sochi, Rostov-on-Don, the Republic of Khakassia, Krasnoyarsk, Tyumen, Novosibirsk and 35 additional offices (including in Anapa, Novorossiysk, Norilsk, Minusinsk, etc. the cities). Head office of Bank and 5 additional (Central, "Sparrow Hills", "Komsomolsky Avenue", Earth Shaft, Krasnopresnensky) are in Moscow.

History

2013: The chief information officer of bank revenged the employer, having stolen millions

At the beginning of July, 2013 the investigation department of the Ministry of Internal Affairs in the Republic of Khakassia took to court criminal case concerning the former Chief information officer of regional department of People's Bank upon large scale fraud.

As the police set, the former employee participated in design, setup and maintenance of a number of the automated banking systems, setup and administration of a local computer network of People's Bank, in implementation and maintenance of a system of payment terminals and also administered the server software of a system of remote banking.

Being the Chief information officer, the defendant had access to all bank subsystems: to deposits, reports, transport gateways, settlement and cash services, accounting. Besides, notes the investigation, he freely used the personal notebook at work and had full unauthorized access to the server of the Khakass bank department on the Internet.

Law enforcement agencies found out that within one and a half years the Chief information officer unreasonably filled up the card accounts in MasterCard payment system, using access to the files containing information on replenishment and write-off of money. For this purpose it using the simple text editor modified files, entering in them unreliable information about replenishment of the cards of an international payment system of MasterCard belonging to it.

Then it sent these files to the processing center located in Novosibirsk, and the staff of the center confirmed transactions, without knowing that specified in files actually they were not recharged by money. The defendant cashed afterwards the money appearing thus on the account through cash desk.

The police note that the defendant worked in bank more than 10 years and was considered as one of the best system administrators of Khakassia, and therefore at first did not fall under suspicion. In total the Chief information officer thus drew from the cards of money for the amount about 9 million rubles on which purchased the apartment.

The main motive of commission of crime the former Chief information officer calls that it "the contribution to development of the automated banking system was underestimated", and thus he decided to return himself the put remuneration.

2014: The Central Bank of the Russian Federation revoked the license from National Credit bank

The Bank of Russia revoked since October 9, 2014 the licenses from three banks — the Moscow JSB Universalny credit and National Credit bank and also from the Rostov CB Doninvest. As considers the Central Bank of the Russian Federation, banks pursued the high risk credit policy connected with an investment in low-quality assets. As a result banks completely lost own means and were not able to fulfill obligations to creditors timely. At the same time organizations provided the false reporting in the Bank of Russia and did not fulfill the requirements about reflection in it the real financial position.