Strategy, Battery

2025: Recovery from the ex-board and beneficiaries of 10.2 billion rubles for the issuance of deliberately bad loans

On May 27, 2025, the Ninth Arbitration Court of Appeal, at the request of the state corporation Deposit Insurance Agency (DIA), brought to subsidiary liability the former heads of Strategy Bank (PJSC AKB Strategy). The potential amount of liability is 10.2 billion rubles.

In 2016, the Bank of Russia revoked the banking license from Strategy Bank due to "a decrease in the amount of equity (capital) below the minimum value of the authorized capital." The regulator said that in case of unsatisfactory asset quality, the credit institution inadequately assessed the accepted risks. At the same time, an assessment of credit risk at the request of the supervisory authority revealed a complete loss of the bank's own funds. The leaders and owners of the organization, as noted, did not take effective measures to normalize its activities.

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Фото: Freepik

In the current circumstances, the Bank of Russia, on the basis of Article 20 of the Federal Law "On Banks and Banking Activities," fulfilled the obligation to revoke a banking license from a credit institution, the Central Bank said.

After that, an application was filed against the bank by the DIA. As reported, the court brought to subsidiary responsibility the former heads of Strategy Bank - the chairmen of the bank's board Oleg Arkhipov and Diana Ksendzenko, beneficiaries Irina Rubinov and Dmitry Rubinov, in solidarity with the chairman of the board Kirill Drugov and adviser to the chairman of the board Gennady Gatsukov, who were previously brought to subsidiary responsibility. The grounds for attracting, as reported in the DIA, were the issuance by the bank of deliberately bad loans and other methods of withdrawing assets.^[1]

2022: Ex-head of the bank Kirill Drugov arrested

The Basmanny Court of Moscow arrested in absentia the former head of the Joint Stock Commercial Bank (AKB) Strategy Kirill Drugov, who went bankrupt and deprived of his license in 2016. This became known on July 8, 2022. Read more here.

2016: License Revocation

In terms of assets, JSCB Strategy (PJSC) as of July 1, 2016 ranked 209th in the banking system of the Russian Federation.

In July 2016, the Central Bank disconnected Strategy Bank from the electronic payment system. The reasons for the shutdown were not reported, but there is information that the bank is conducting deposit transactions. According to the RBC source, deposits above 600 thousand rubles. issued by bank by appointment.

Information about the disconnection from the electronic payment system of the Bank of Russia (BESP) was confirmed to RBC by an employee of the bank's head office.

On July 21, 2016, the Bank of Russia revoked the banking license from Strategy Bank. By order of the Central Bank, a temporary administration was appointed to the bank.

"In case of unsatisfactory quality of assets, JSCB Strategy (PJSC) inadequately assessed the risks taken in this regard. A proper assessment of credit risk at the request of the supervisory authority revealed a complete loss of the bank's own funds (capital). The leaders and owners of the credit institution did not take effective measures to normalize its activities, "the regulator said in a statement

AKB "Strategy" (PJSC) is a participant in the deposit insurance system. The revocation of the banking license is an insured event^[2]

2015: Downgrade

In December 2015, RAEX (Expert RA) downgraded the creditworthiness rating of Strategy Bank from A (high creditworthiness) to B++ (satisfactory creditworthiness). According to the rating agency, the ​snizheniye of the rating was associated with increased uncertainty about the bank's business model and risks of a significant decrease in asset returns. Also, as noted by Stanislav Volkov, Managing Director for Bank Ratings at RAEX, the pressure on the rating was exerted by the low level of property security of the loan portfolio and its low quality.

2013: Ownership Structure

As of January 2013, the owners of the bank were:

• Oleg Vladimirovich Medvedev - 19.9%
• Kelin Leonid Leonidovich - 19.9%
• Irina Vladimirovna Rubinova - 19.9%
• Andronov Alexey Mikhailovich - 19.89156%
• Victoria Gukovskaya - 19.45581%

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