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Логотип
Баннер в шапке 1
Баннер в шапке 2

Volga Credit (VKB)

Company

Founded in 1990, the Volga Credit bank was based in Samara and worked out[1] to the middle of 2014[2]. At the end of 2014 the Central Bank revoked a license for banking operations from it.

History

2021: Sentences are pronounced to ex-managers of bank on the case of plunder of money of investors using Diasoft software

The former heads and employees of the bank "Volga Credit" are found guilty of plunder at investors over 1.7 billion rubles, the prosecutor's office of the Samara region[3] reported on January 28, 2021[4].

The Leninsky district court of Samara pronounced a sentence on criminal case concerning four former heads of bank and six more persons. They are found guilty of large scale fraud (Part 4 of Article 159 of the Criminal Code of the Russian Federation).

Listenings on criminal case in court started in the middle of 2019[5]. Earlier the prosecutor's office reported that accused of business pass, in particular, former: chairman of the board "Volga Credit" Tatyana Erilkina, adviser to the chairman of the board Alexander Bobrovsky, director of the department of information technologies Sergey Osipov, head of department of services for individuals Maria Zatsepina.

Tatyana Erilkina was the chairman of the board of bank (a photo - 63.RU)

From the persons who are connected to the case having the actual relation to activity of bank, the prosecutor's office called also earlier Ruslan Tokarev, Roman Kalinkin, Maxim Kashapov and Irina Kochergina.

In January 2021st the court established that during the period from April to December, 2014 the chairman of the board "Volga Credit" together with other involved persons as a part of organized group stole more than 1.7 billion rubles placed in deposits not less than 2872 citizens.

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Embezzlement of investors was committed using an automated system which analog of the legal version was installed on office computers. One system showed official cash flow, the second — real. As a result money of investors wrote off or did not direct to deposits, however it was not reflected in the financial statements sent to the Central Bank of Russian Federation, says prosecutor's office of the Samara region.
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In October of the 2020th the Samara SOVA portal, whose correspondent visited listenings in court, wrote with reference to the State prosecution that according to the investigators, Erilkina entered into a collision to a number of persons for embezzlement of investors using an automated system of Diasoft bank[6].

According to the SOVA portal, in criminal case it is also specified that when check had to come to bank, Tatyana Erilkina disposed to export computers and to throw out from the bridge to the river. But Erilkina agreed with charge not and claimed that the actual owners of bank – Ruslan Tokarev and Andrey Ivanov could abduct money. From them on a dock there was only Tokarev.

In addition to an episode with plunder of money from customer accounts, "Volga Credit" the court also found the former chairman of the board guilty of plunder at the headed credit institution of 3 bills of exchange of Razvitiye-Stolitsa bank for the total amount more than 272 million rubles, the prosecutor's office of the Samara region reports.

The court found defendants guilty and sentenced the former head of bank to 9 years 6 months of imprisonment with serving in standard regime penal colony. It is even more, than required the State prosecution: it considered that Erilkin needs to sentence to 9 years of imprisonment for two crimes. And the court imposed to other accomplices sentence from 3 to 8 years of standard regime penal colony.

Protection of the former head of Volga Credit bank is going to dispute a sentence to Tatyana Erilkina.

In particular, imposed to the former Chief information officer Sergey Osipov sentence in the form of maximum security penal colony for 7 years 6 months, "OWL"[7] reports[8].

It is possible that convicts will leave colony before specified term: case received the course several years ago, and by 2016 all of them stayed in the pre-trial detention center not less than a year during the investigation[9]. This term, as a rule, too is set off on account of serving sentence.

2015: Clients of Volga Credit bank declared in police loss of money from accounts

More than 50 investors "Volga Credit", lost the license on December 30, declared in law enforcement agencies loss of money from accounts, Kommersant with reference to Interfax Volga region in January, 2015 reported[10].

"Now more than 50 applications from investors that on their bank accounts there are much less means came to law-enforcement bodies, than they calculated" — the source in General Directorate of Ministry of Internal Affairs in the Samara region quoted Interfax Volga region.

Upon addresses law enforcement agencies at that time carried out an inspection.

2014: Revocation of license

At the end of 2014 the Central Bank of the Russian Federation revoked a license for banking operations from the Volga Credit bank registered in Samara. As notes the Central Bank, the license is revoked in connection with non-execution by credit institution of the federal laws regulating banking activity and regulations of the Central Bank, capital adequacy it is lower than 2%, reduction of the size of own means below the minimum value of authorized capital.

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The bank pursued high risk credit policy and did not create reserves on possible losses in proportion to the accepted risks. Besides, the credit institution reflected actually absent securities in accounting. As a result of execution of requirements of supervisory authority about formation of the reserves adequate to the accepted risks, the bank completely lost own means (capital), - it was said in the statement.
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As noted the regulator, in the middle of December, 2014 the bank almost completely stopped operating activities, including implementation of account transactions of clients and service of investors. In bank the temporary administration until appointment of the receiver or the liquidator was entered.

The Volga Credit bank was a participant of deposit insurance system.

As of the beginning of 2014, according to the Banki.ru portal, Alexander Manuylov (30%), Tatyana Erilkina (23.88%), Raisa Purusova (15.35%), Oleg Shiryaev (10.07%), the citizen of Uzbekistan Ovik Mkrtchyan (7.28%), Victor Frolov (5.45%) and Rustem Hafizov (4.67%) acted as major shareholders of bank.

The bank had the license for the performing transactions right in rubles and foreign currency. Branches and additional offices VKB were located in Samara, Tatarstan, Orenburg, Penza, Ulyanovsk, Nizhny Novgorod, Volgograd, Togliatti and other cities of the Volga region.

2007: The major shareholder Andrey Polovinkin begins to leave the capital of bank

In 2007 Converse Group was going to become one of shareholders of bank, but the transaction did not take place. The same year the considerable share block of bank through several companies was purchased by the businessman Alexander Manuylov, and Andrey Polovinkin gradually began to leave the capital of VKB.

Early the 2000th

From the 2002nd the bank worked in the form of open joint stock company (JSC VKB).

In the first half of the 2000th the head of Elektroshchit group Andrey Polovinkin became the largest owner of VKB.

At the beginning of 2005 the bank entered the deposit insurance system (DIS).

The 1990th: Foundation of bank

The bank is founded in December, 1990 in Bezenchuk. At the beginning of the 1993rd the Samara branch is open. In November of the same year the initial name "Bezenchukagrobank" was changed on "Volga Credit". Taking into account active work in Samara in May, 1995 exactly there the head office was also transferred.

Notes