It is clear that Platinum Bank has a deposit with the NBU of UAH 604,3 million at the end of 2015, while at the end of 2014 it was UAH 378,4 million.
As stated in the document, NBU stabilization loans are issued at interest rates of 14.25% and 31.5% with a repayment schedule of until April 29, 2016 and until April 27, 2017. And the amount of debt not paid from the established line for the stabilization loan to the National Bank amounted to UAH 356,65 million as of April 31, 2015.
“In 2016, agreements were concluded between the bank and the National Bank of Ukraine on the restructuring of stabilization loans, the minds of which transferred an increased number of lines for the payment of cash, changing the repayment schedule owing to the balance and accrued interest. The minds of the additional agreements of the formation of the balance sheet of the transfer of additional exchanges, protection, protection of crediting of legal entities (banks), a new program of financial rehabilitation to the bank, as well as the provision of bank and main guarantors of additional security,” telling Platinum Bank.
As it turns out, the bank received UAH 1,3 billion from the outpost for NBU loans on January 31, 2016. at a glance:
— investment value in the amount of 390,96 million UAH;
— mining rights for loans issued to clients amounting to UAH 868,19 million;
— the total amount was 43,17 million UAH.
As Finbalance wrote, the MTS Ukraine company was suing Platinum Bank for non-payment of deposits worth UAH 250 million. 12/24/2015 The State Court of Kiev was pleased with the company’s position and ordered the bank to return the cash. At the same time, on 04/14/2016, the court, looking at the financial situation of the bank, was often satisfied with the work of “Platinum Bank” and gave a three-month extension for the confirmation of the said decision - that is, until 07/14/2016. "Platinum Bank" asked for an extension until 10/31/2016.
At the end of 2015, Platinum Bank estimated the cumulative growth in its liquidity in the second-fourth quarter of 2016 to the amount of UAH 1,27 billion. (among other things, he explains the risks of a panic among depositors, which may lead to the right to withdraw funds from deposits before the deadline, - ed.). Div. table at the end of the material.
The main point behind this drive was stated by “Platinum Bank”: “The bank is engaged in liquidity gap management. The main part of the deposit, for which interest is charged, is represented by client deposits, such as short-term contracts. However, among the most advanced minds, these resources actually appear to be long-term fragments lying before the main deposits, that is, the sums associated with deposits from stable clients. Therefore, despite the assumptions about the continuity of activity, the actual repayment terms of the main deposits are considered insignificant.”
Lack of capital
Today, Platinum Bank reports that its regulatory capital (not subject to audit, subject to analysis) as of March 31, 2016 amounted to UAH 190,4 million. And the standard for the sufficiency (adequacy) of regulatory capital was 2,19% (with the standard value not less than 10%). At the end of 2015, the total amount of cash invoices amounted to UAH 280,34 million. that 3,44%.
“The bank does not comply with the economic standards established by the National Bank of Ukraine,” Platinum Bank learned from the source. “On this date, the National Bank of Ukraine has launched a financial recovery program, which allows the bank to bring the regulatory capital adequacy standard to standard values by June 01, 2019.”
According to data from Platinum Bank, on January 24, the NBU submitted an updated financial recovery program for the period from February 01, 2016 to February 01, 2018, which is currently under review.
As Finbalance wrote, the press service of Platinum Bank informed that as a result of the capitalization plan approved and approved by the NBU, Platinum Bank planned to increase its growth rate in 2015 capital in two stages:
- until 07/01/2015 - by 469,5 million UAH - by introducing the shareholders' capital to the statutory capital by 150 million UAH and reclassifying the subordinated company to the shareholder capital by 319,5 million UAH;
- another 330 million UAH - until 01/01/2016 - by way of winning money from the minds of a subordinated investor.
Judging by the publications of “Platinum Bank” for 2015, this plan has not been changed. Although the bank’s statutory capital has increased by UAH 436,7 million, which is also consistent with the plan established for the first stage of additional capitalization for 2015, at the same time, the bank has It is indicated that this subborg became 0 as of 01/01/2016 (as of 01/01/2015 there were 219,5 million UAH). This encourages the renovation to work, so that another stage of additional capitalization is not carried out immediately.
Apparently, before the praise given to the State Court of Kiev on 04/14/2016, “The financial recovery program of PJSC “Platinum Bank” was updated for the period from 02/01/2016 to 07/01/2018. approved by the board and cautious council of “Platinum Bank” on March 17, 2016.
Following this, the bank plans to increase the regulatory capital between 2016 and 07/01/2018 inclusive, in addition to increasing the capital for the withdrawal of irrevocable financial additional assistance for 27 million UAH. until the end of 2015 (that is, by UAH 243 million), as well as for the period of additional shares in the amount of UAH 120,0 million. stretching out spring 2016 (for lines up to 10/01/2016).
It is expected that as a result of the implementation of a fragmented financial recovery program, the following indicators will be achieved:
— financial income for 2016 in the warehouse is 99,9 million UAH, for 2017. income from warehouse activity 311,4 million UAH, for six months of 2018. -316,9 million UAH. obviously.
— the obligation of the bank’s regulatory capital and the standard of adequacy (sufficiency) of the regulatory capital will be brought to the standard value, consistent with the normative acts of the NBU. So, outside the camp on 10/01/2016. regulatory capital reaches UAH 452,6 million, and the adequacy of regulatory capital (H2) is 5,02%; outside the camp as of 01/01/2017. — UAH 482,0 million, 5,15%; outside the camp as of 01/01/2018. — UAH 700,9 million, 7,36%; outside the camp as of 07/01/2018. — UAH 1,193.0 million, 12,01% consistent.
— ensuring timely compliance with depositors and other creditors of the bank,
— optimizing the structure of assets and liabilities behind repayment lines, reducing liquidity indicators and keeping them at par with standard values.
Also, “Platinum Bank” states that in 2016, the company received irrevocable financial assistance in the amount of UAH 100 million. type of persons connected with the bank. In this case, the counterparty bank disrupted the repayment lines for the deposit placed by Platinum Bank in the amount of UAH 53,4 million. As of the date of confirmation of financial reports for 2015, the balance sheet value of investments available for sale on the bank’s balance sheet increased by UAH 70 million. After the repayment of the bond for the loan, we will give the postholder - the legal entity the way to take on the balance sheet the shares under the agreement for the satisfaction of the rights of the bailholder.
Damages
According to the data of “Platinum Bank”, its earnings in the first quarter amounted to UAH 59,8 million. (in the first quarter of 2015 the declared profit was UAH 57,3 million). At this rate, interest expenses outweighed interest income by UAH 69,7 million. UAH 25,6 million was spent on forming a reserve for the appreciation of loans, for which interest is charged.
As Finbalance wrote, in 2015, the cash flow of Platinum Bank amounted to UAH 523,9 million. (in 2014 the turnover was UAH 506,7 million). The recovery of reserves for the value of loans and assets in other banks fell by 5 times - to UAH 203,5 million. (from 1 billion UAH in 2014).
Net interest income (that is, interest income was less, lower interest income, - ed.) totaled 86,7 million UAH (the same as in 2014, the net interest income was 734,7 million UAH).
The audit of river quality of “Platinum Bank” was carried out by LLC “Auditing Firm “Cadastral Audit””. This is what the fakhivtsi said:
“At the hour of assessing the balance sheet value of loans issued to individuals and legal entities, it was established that the Bank will not compromise on the financial position of the bank to form reserves for covering the types of critical loans and in accordance with IAS 39, as they did not transferred to the designated position. Looking at it, we did not take away sufficient additional evidence for the assessment of the obligation to reserve important loans, including those that were restructured.
The volume of reserves for the type of capitalized loans in the country as of April 31, 2015 may increase by no less than 1,051,400 thousand. UAH, including, for loans from individuals in the Autonomous Republic of Crimea and other regions of Donetsk and Lugansk regions in the amount of 659,238 thousand. UAH
This means that the Bank’s method in the whole world has been seen in accordance with MSBO 39, the amount of additional reserves could be large, but it cannot be reliably estimated as of the date of issuance of this document. Rizik and the necessary sum for the reserve for such operations can only be separated by an obvious pleasant outpost.
The most important is the influx on the balance sheet of loans, interest income on significant loans, the financial result of the Bank, power capital and regulatory capital of the Bank.
We did not reject the residual and over-continuing evidence of the fair value of the investment integrity and awakening, which has a connection with the financial result, power capital and regulatory capital. The Bank can recognize the influx of the type of the most valuable,” it is stated in auditor's notice.
Owners
The unofficial transfer to “Platinum Bank” is “attributed” to Odessa businessmen O. Granovsky and his partner B. Kaufman (Read more: Kaufman-Granovsky and their business interests: airports, vodka, cigarettes, banks, hotels ). In this context, we can show, however, the fact that the head of the board of Platinum Bank is Kostyantin Smolsky, who previously denounced the Fenbank. In addition, there was information about the transfer of assets and liabilities from Fenbank to Platinum Bank. At the same time, torik todishny v.o. The head of the board of "Platinum Bank" Katerina Rozhkova (today - the defender of the head of the NBU) in a comment for Finbalance stated that Granovsky and Kaufman belong to "Platinum Bank".
Based on recent reports to Platinum Bank in the NCCPF information disclosure system, the shareholder of the financial institution praised the decision to release Grigory Gurtov from the imprisonment of the head for the sake of caution bank and recognition for Dmitry Zinkov’s yogo posad. Suddenly G. Gurtovy became a member for the sake of caution.
As Finbalance wrote, on the 18th quarter of the investigation, the Prosecutor General’s Office, as part of the criminal investigation into the mine assigned to Nadra Bank, uncovered numerous top managers of this financial institution. Apparently, the head of the board of the Nadra bank is Dmitro Zinkov; According to the data of the National Center for Financial Markets and Financial Markets, payments were made for the price on 02/04/2015 - the day before Nadra Bank was declared non-payable.
Finbalance approached the press service of Platinum Bank with a proposal to comment on the investigation of the GPU, but they did not reject the evidence.
According to official data from the NBU, as of April 01, Dmytro Zinkov was the owner of 8,22% of the shares of Platinum Bank, and Grigory Gurtovyy – 9,21%. At the same time, G. Gurtovyi has given the power of attorney for the new shareholder, who controls 100% of the shares of the financial institution. At the beginning of the campaign, the NBU announced in an official statement that it had recognized G. Gurtov as the ruler of the main part, regardless of the formal decision.
As the intercessor of the head of the NBU K. Rozhkov, G. Gurtovyy indicated before him, he had long ago submitted a package to acquire a 70% stake in Platinum Bank, and is “at the final stage of development.” “The appearance of information in the ZMI about his cover-up [in Israel] made us uneasy,” stated a representative of the National Bank.
Somebody knew about G. Gurtov’s entanglement in Israel. As stated, he is the majority shareholder of the Israeli investment company BGI. This information and additional information was obtained through investigations related to BGI’s subsidiaries: the investment company BSD Crown Ltd. and the Israeli food giant Willi Food. According to ZMI, Gurtov was suspected of illegally acquiring funds from controlled companies, as well as providing false information about assets. For example, the press service of Platinum Bank, in a commentary for Finbalance, informed that G. Gurtovy “is at home in Israel.”
At the end of the third quarter of 2015, at Platinum Bank, the value of the N9 standard - the maximum amount of credit risk for transactions with persons associated with the bank - was 497,67%, although for the other NBU it is no more than 10%. True, this indicator was stuck in the soil at the end of the worm, if it was 721,28%.
At the end of 2015, the press service of Platinum Bank, in a comment for Finbalance, noted that following Resolution No. 314, the NBU gave the opportunity to banks that exceed the standard, “to gradually bring their activities to compliance with the requirements of the legislation, therefore, the NBU established a schedule and called upon banks to develop an income plan to bring the standard up to the limit.” “For PTB, the term for submission to the NBU of such a Plan was established on 06/01/2016,” the bank asked.
Read about the participation of “Platinum Bank”, as well as the bank “Avangard” (one of the beneficiaries of which, before V. Gontarev was appointed head of the NBU), in the criminally involved DFS of the “Megapolis-Ukraine” group.
On the topic: Kaufman-Granovsky and their business interests: airports, vodka, cigarettes, banks, hotels
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