Neklis-Bank

History

2023: Court enlists Natalya Kasperskaya in bank bankruptcy case

On May 29, 2023, it became known that the Moscow Arbitration Court brought InfoWatch President Natalya Kasperskaya to the bankruptcy case of Neklis Bank in accordance with her own statement. Read more here.

2022: The ex-board of the collapsed Neklis Bank wrote a statement to the police against Natalya Kasperskaya

As it became known on January 19, 2022, the former CEO of Neklis Bank, Sergei Boriskin, who is under arrest, wrote a statement to the police against the former shareholder of the credit institution. Natalia Kasperskaya The document is addressed to the head of the main investigation department of the Main Directorate MINISTRY OF INTERNAL AFFAIRS Russia for To Moscow Viktor Gorodkov. More. here

2021: Ex-CEO Sergei Boriskin and his deputy Natalya Akulova detained

In April 2021, ex-CEO of Neklis-Bank Sergei Boriskin and his deputy Natalya Akulova were detained in Moscow on suspicion of withdrawing customer funds totaling 1 billion rubles. The bank belonged to the ex-wife of Kaspersky Lab co-founder Natalya Kasperskaya

2020

Natalya Kasperskaya lost hundreds of millions due to the revocation of the bank's license

In January 2020, it became known that Natalya Kasperskaya lost several hundred million rubles due to the revocation of her license from Neklis Bank. The president of the InfoWatch group of companies herself spoke about this in a conversation with Kommersant. Read more here.

In March, the Arbitration Court of the city Moscow decided on the insolvency (bankruptcy) of Neklis-Bank, co-owner of which with 64% of the bank's shares is Natalya Kasperskaya, President of InfoWatch Group of Companies, through the Cypriot company Organat Financial Ltd. Natalya Kasperskaya ranks 15th in the ranking of the richest women Russia according to Forbes with a personal fortune of $270 million.

License Revocation

On January 10, 2020, the Central Bank of the Russian Federation announced the revocation of the license from the Moscow Neklis Bank, 64% of which is owned by the president of the InfoWatch group Natalya Kasperskaya through the Cypriot Organat Financial Ltd. The regulator explained its decision for the following reasons:

Central Bank revoked the license from Natalia Kasperskaya Bank

• Neklis Bank has completely lost its own funds due to the additional formation of reserves for a number of assets;
• Neklis Bank carried out operations with signs of asset withdrawal;
• Neklis Bank violated federal laws regulating banking activities, as well as Bank of Russia regulations , in connection with which the regulator  has repeatedly applied measures to it over the past 12 months , including imposing restrictions on attracting funds from individuals.

Information on transactions carried out by the bank that have signs of committing criminal offenses was sent by the Bank of Russia to law enforcement agencies. The Bank of Russia also canceled the license for the Nexlis Bank to carry out professional activities in the securities market, the Central Bank said.

According to the regulator, a portfolio of potentially non-repayable loans of individuals for more than 1.3 billion rubles has been formed on the balance sheet of Neklis Bank.

According to BIR Analyst, as of October 1, 2019, the bank occupied 245th place in the banking system of the Russian Federation with assets in the amount of 5.46 billion rubles, its own funds amounted to 1 billion rubles, deposits - 2 billion rubles. Neklis Bank is a member of the deposit insurance system, payments to depositors will begin no later than January 24, 2020.

The Bank of Russia appointed a temporary administration at Neklis Bank. The powers of the executive bodies of the credit institution in accordance with federal laws have been suspended.

In addition to Natalia Kasperskaya, Lorance-star LLC is a major shareholder of the bank, which owns 4.57%. The rest of the shares are owned by individuals.^[1]

2019: Start piloting a project to create a digital bank

On November 27, 2019, Commercial Bank Neklis Bank announced that it had begun piloting components of the digital bank model based on its own fintech and partner development. The successful introduction of modern technologies into banking business processes will ensure the functioning of the "new bank" model (neobank), based solely on the use of high-tech solutions.

As of November 2019, the focus of the bank's developers and specialists, in addition to providing access to bank customers in remote banking mode, is the creation of a platform that hosts the most popular classic banking services (RKO, cards, online loans, online guarantees, mobile application), as well as non-classical services that have become widespread (counterparty verification and scoring, accounting, legal support, niche solutions for business).

If these services are successfully piloted at Neklis Bank, it is planned to provide access to this platform to other banks that do not have their own similar solutions.

We have begun to create a fintech platform, within which we plan to develop the activities of the design bureau. In my opinion, the transition from the model of a traditional and familiar bank is natural in the context of the development of technologies and the availability of services "without leaving home," including for legal entities. Therefore, we set our task not only to create a neobank, but also to provide a unified fintech solution for the banking industry, "said Natalya Kasperskaya, President of InfoWatch Group of Companies.

The InfoWatch project fintech team conducted an audit of current and demanded banking services, an audit of regulatory documentation in existing and design editions. Based on the analysis, promising directions of development were identified and a line of solutions was formed for Neklis Bank CB, located in the perimeter of the Russian developer.

According to Vasily Kuzmenko, Chairman of the Board of Directors of Neklis Bank CB, "we are implementing several models for creating a technological bank, including the creation of a separate digital division of a traditional bank within an automated banking system and cooperation with fintech services or their purchase in order to integrate into the existing banking business."

2018

Own funds - 1.05 billion rubles

The amount of own funds as of October 1, 2018 is 1.05 billion rubles (data from 2018).

Natalia Kasperskaya became the owner of the bank

In February 2018, Natalya Kasperskaya, CEO of the InfoWatch group of companies, spoke about how she was forced to become the owner of Neklis Bank. According to her, the deal was not carried out from a good life: the credit institution is a "big headache."

I became the owner of Neklis Bank five months ago, but it was not of my free will, "Kasperskaya told Vedomosti.

Natalia Kasperskaya

The bank had problems, so it had to convert subordinated deposits into shares of the bank. Otherwise, Neklis Bank could hardly return the money, Natalya Kasperskaya said, without disclosing the amount of conversion of subordinated deposits.

The bank is a big headache, and I would like to engage in my specialized activities, that is, information security. The bank is now completing a check of the Central Bank, after which I would like to consider the possibility of selling, - said Kasperskaya.

The publication cites data from the Central Bank, according to which the 64 percent stake in Neklis Bank is owned by the offshore company Organat Financial limited, owned by Kaspersky. Back in July 2016, a meeting of Neklis Bank participants approved an increase in its authorized capital by 320 million rubles due to part of the subordinated deposit held by Organat. It took a year to receive the approval of the Central Bank, and therefore Kasperskaya became the owner only in the second half of 2017, she explained.

According to the statements of Neklis Bank for January-September 2017, the company raised a total of 360 million rubles from Organat. By February 14, 2018, Natalya Kasperskaya expects a prescription from the Central Bank to re-form reserves. By January 1, the bank's capital amounted to 837 million rubles.

At the end of December 2017, the Expert RA rating agency withdrew the rating from Neklis Bank, noting that it had "an increased concentration of assets on companies with certain signs of economic or legal affiliation with the bank."^[2]

1991: Bank established in Moscow

Neklis-Bank LLC was founded in 1991 in Moscow. The Bank is included in the register of banks participating in the compulsory deposit insurance system and has the necessary licenses to provide various banking services, both for companies and for individuals.

The Bank developed international cooperation with partner banks in Europe and Asia. Through correspondent relations and accounts, the bank carries out operations for clients participating in foreign economic activity.

The Bank was accepted into the partner banks of the Moscow Regional Guarantee Fund, the main activity of which is the provision of guarantees for the obligations of small and medium-sized businesses and infrastructure organizations supporting small and medium-sized businesses of the Moscow Region. The guarantee of the Fund allows SMEs in the Moscow Region to attract bank loans and bank guarantees in the absence of their own collateral. One of the advantages of the Bank's and Clients' work with the Fund is a simple and effective mechanism for providing guarantees, the absence of the need to collect additional documents for the Fund, the minimum period for making a decision, savings on collateral insurance and the costs of its registration.

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