The 52-year-old Kogan, who now owns the Neftegazindustriya group (which includes, in particular, the Afipsky Oil Refinery in the Krasnodar Territory), has a wealthy banking experience. Kogan gained fame as a co-owner of the Industrial Construction Bank of St. Petersburg (in 2004 it was sold to VTB) and the head of the St. Petersburg Banking House. St. Petersburg Promstroibank was a leader in the local market, and Kogan was one of the few private bankers who received a personal meeting with the country's president (for example, in July 2004, the Kremlin press service reported that Vladimir Putin and Vladimir Kogan discussed the development of the banking system).
Rumors about a possible reorganization of Uralsib or the sale of the bank to a new investor have been circulating on the market for a long time. Among the possible sanators or buyers of the bank were largest banks countries. AT last years the bank reduced business, closed offices, optimized staff, refocused on lending to small and medium-sized businesses rather than large corporate ones.
Nevertheless, the bank's loss in 2014 in the amount of 9.5 billion rubles was 6 times higher than the loss in 2013.
Somebody knows, Does UralSib have money? CMTPL has not been paid for more than a month, the damage is serious. Already wrote a complaint to the Central Bank of the Russian Federation, no action is taken. Does it make sense to sue?
Or wait for an exception to the PES Agreement and go to the company of the culprit? Tell
Clients of IG "Uralsib" and a number of insurance companies filed applications for declaring the company bankrupt. The first of these statements by individual was filed in December 2019. From legal entities the first application for declaring SG Uralsib bankrupt was filed on January 31, 2019 by Logotrans. All applications have been accepted for consideration, the hearing of the case in court is scheduled for March 6.
The report of the Insurance Group (IG) Uralsib under IFRS for 2019 “in all material respects” does not fairly reflect financial position group, noted in the comments of BDO Union: SG Uralsib proceeds from the assumption of the continuity of its activities, but a number of reasons make the auditor doubt it.
Chapter " Russian capital» Mikhail Kuzovlev called the decision to transfer Uralsib to Kogan "correct and marketable." “This confirms the approach of the Central Bank that banks should be sanitized commercial investors. Kogan is a good choice. He has successful experience in the banking industry.
As far as I know, he has been looking for an opportunity to return to the banking market for a long time. In particular, he negotiated with the founder of the Vozrozhdenie bank, Dmitry Orlov, but the parties did not agree on a price.
“Under such conditions, Uralsib will be able to resume its business and even continue its full-fledged work,” the head of the banking association assured everyone. As Aksakov noted: “The bank has assets that will help it recover and become more sustainable, and the arrival of an experienced investor gives every hope that credit institution will not lose its status as a strong bank.”
According to the source, the claims are related to a loan in the amount of 750 million rubles issued to Ulmart in 2019. As of December 2019, the overdue debt on this loan, including interest, amounted to 758 million rubles, but in March, Ulmart ”Paid off most of the debt, as a result of which the overdue debt was reduced to 65 million rubles, the source says.
The total amount of the company's debt to the bank is about 800 million rubles. Last week, Ulmart reported that the company and Uralsib Bank, which is one of its largest creditors, signed an agreement to restructure a loan in the amount of 750 million rubles issued in 2019.
The Central Bank chose the financial recovery plan for Uralsib Bank proposed by Kogan, who will soon become the owner of 82 percent of the shares credit institution. According to the Central Bank, DIA loans will ensure the continuity of the bank's activities and bring it out of the crisis.
At the same time, on April 13, the press service of Ulmart reported that the company signed an agreement with Uralsib to restructure a loan in the amount of 750 million rubles, issued in 2019 to replenish working capital. The bank confirmed the fact of restructuring. The agreement provides for the preservation of the previous lending conditions with the assistance of a third company included in the portfolio of assets of the majority shareholder of Ulmart, Dmitry Kostygin, who, together with partner August Meyer, owns 61.5% of the retailer's shares.
The name of the company and other details of the agreement were not disclosed by the parties.
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On the this moment this bank still exists. And when they panic people and everyone runs to cash out, then the banks and burstquot ;. They don't have that much cash. People bring deposits, and banks give loans with this money.
And when everyone demands to return the money out of time, where can they get it?
It is unlikely that the listed banks will close in the near future. Mergers are possible, but the license of these banks will certainly not be revoked. It is noteworthy that in terms of profit rating the list of banks remains the same, with the exception of the National Clearing Center, ousted by RosBank.
According to the Central Bank, on November 3, the board of directors of the regulator approved a plan for the participation of the DIA to prevent the bankruptcy of Uralsib. The plan provides for the acquisition by the investor of at least 75% of the shares of Uralsib. DIA conducted a selection of an investor, and Kogan offered the most profitable financial conditions, noted in the message.
Bankruptcy of Uralsib Bank
The domain name uralsibins.ru belongs to SK URALSIB Insurance LLC, which became part of FC URALSIB at the end of 2016.
The priority areas for the company are the development of bancassurance, as well as the corporate unit. At the moment, the site is being updated according to the approved work plan.
The official website of JSC Insurance Group URALSIB is located at iic.ru. The company continues to work in an absolutely normal mode, on its website, customers can find all the necessary information to make changes to the policy or register an insurance event.
We draw the attention of all those insured in JSC SG URALSIB that the current address for all correspondence is 117342, Moscow, st. Profsoyuznaya, d. 65 bldg. one
Attention of the insured
CJSC - SG UralSib
The capital of SG UralSib at the end of 2016 was still negative: -2.7 billion rubles, follows from the audit report of BDO Unicon. The insurer notes that it is conducting a dialogue with the Bank of Russia to normalize the financial situation, and following OSAGO, it is preparing to abandon OPO and OSGOP.
Loss of SG "UralSib" before tax for the last year amounted to 2.7 billion rubles. At the end of 2016, the insurer violated the solvency margin requirement; composition and structure of part of the assets accepted to cover insurance reserves and own funds, did not meet the requirements of the Central Bank, according to the Unicon auditors' report to the insurer's financial statements under IFRS.
As part of the restructuring last year, the insurer significantly reduced staff and optimized branch network. There has been an increase in lawsuits, including those on declaring UralSib IG bankrupt, “which, if the plaintiff succeeds, may end in a court decision that is not feasible for UralSib SG JSC,” say the auditors, who also questioned the continuity of the insurer’s activities.
According to a company representative, the financial stability of the insurer in 2016 was most affected by the unprofitable motor business, which accounted for 48% of the total portfolio. In general, in 2016, the loss on OSAGO, taking into account legal costs, amounted to about 1.8 billion rubles, that is, more than 65% of the company's total loss. The company representative believes that the transfer of the motor portfolio (which took place in April 2017) will have a positive impact on the financial position of UralSib SG in the 2nd quarter. 2017
In addition to OSAGO, SG UralSib also plans to transfer the HPF and OSGOP portfolios to another insurer, "since these types of insurance are not targeted for the company."
UralSib plans to remove claims to the assets of IG UralSib by transferring them into more liquid instruments. “We are in dialogue with the regulator on this issue. We hope that in medium term this problem will be solved,” the UralSib SG believes.
“We conduct our activities in accordance with the adopted financial recovery plan agreed with the Central Bank, we regularly report on the activities carried out,” the representative of the insurer comments on the conclusion of the auditors. The plan implies the continuity of the company's activities, the normalization of financial performance and the fulfillment of its obligations to customers and partners, the company claims. The solvency recovery plan also provides for phased financing during 2016-2018.
In 2016, as part of the financial recovery, the insurer received financial assistance in the amount of 3 billion rubles. The funds were used to pay off liabilities to customers and partners in the context of a planned reduction in the insurance portfolio.
The auditors did not like the reporting of "UralSib"
Insurers and clients of sg Uralsib want to declare the company bankrupt | Insurance?
Insurers and clients of sg Uralsib want to declare the company bankrupt
Now the company services more than 250,000 OSAGO policies concluded earlier. The volume of payments under OSAGO for 2017
Almost all of their applications have been accepted for production. On March 6, the court will check their validity. Meanwhile, on January 31, Logotrans LLC, the first legal entity in the list of creditors, filed an application to join the process.
The entire staff has been reduced and continues to be reduced.
Now the company employs a little more than 200 people, and every day there are fewer and fewer of them. Not later than the next working day after the entry into force of the decision to revoke the license, the insurer must notify customers of the revocation of the license and the date of early termination of the contracts.
Bankruptcy sg uralsib 2017
For a prompt resolution of your problem, we recommend contacting qualified lawyers of our site.
When the first information about the likelihood of initiating proceedings against the company appeared, clients and partners were advised to file their claims in writing as soon as possible and send them to the arbitration tribunal.
When initiating proceedings on the bankruptcy of an insurance company at the request of the provisional administration, the duration of the proceedings should not exceed 4 months.
From the date of acceptance of the application for consideration. This period includes the time allotted for the preparation of materials and the adoption of a decision.
The company has filed multiple lawsuits, continues the auditor, and if the tribunal satisfies them, payments may become unbearable for the insurer (see Cut).
Uralsib insurance company bankruptcy
FREE CONSULTATIONS ARE AVAILABLE FOR ALL CITIZENS ON THE SPECIFIED PHONE NUMBERS OR IN CHAT MODE
This company at the end of 2016 became part of the money company " Uralsib after the purchase of Svyaznoy Insurance by the company. RPhoto Bank called for a license from the Uralsib insurance group to provide insurance services under OSAGO, follows from a message on the regulator's website.
The decision was made in connection with the volunteer refusal companies from carrying out auto insurance-related activities. It enters into force on the day of publication.
Uralsib insurance group accounts arrested
To do this, go to the PCA website and find a guide about average cost spare parts. Information can be of three variations:
When searching for the average cost per standard hour of repair work performed, the last column is replaced by the field "Type vehicle”, because the cost of standard hours for different brands and cars of different bodies is different. To calculate the price of the material, three fields are filled in: date, manufacturer and name of the materials.
- You must be connected to the PS:Online service package
- Create a new Document using the AMTS ASSESSMENT (OSAGO) form
- Please enter your Economic Region.
Assignment of prices from the relevant RSA Directory occurs after the calculation of the entire cost estimate. That is, the restriction - is it good?? The restriction is followed by a recall, so I hurried a little bit, they will be recalled soon! The meeting on the verification of the validity of the requirements is scheduled for 04/24/2017 at 10.00
- Actions of the insurance company under the law
- How get an insurance payout?
- Recovery from a bankrupt company
- Receiving payments from RSA
- Recovery from the culprit of a road accident
About the bankruptcy procedure Bankruptcy is the impossibility of the subject economic activity be liable for their property and financial obligations, i.e., a legal entity is not able to pay off its debts. The bankruptcy of an insurer is regulated by the Federal Law of October 26, 2002 No.
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Creditors of JSC Insurance Group Uralsib (Primary State Registration Number 1027739022376, TIN 7703032986) are actively approaching lawyer Sergey Moskalenko regarding the bankruptcy of an insurance company.
Lawyer prepares for Court of Arbitration of the city of Moscow, statements on behalf of individuals and legal entities in respect of the debts of JSC Insurance Group Uralsib, our task is to include insurance debt Uralsib company to the creditor in the register of claims of the debtor's creditors.
History and chronology of the bankruptcy of the insurance group Uralsib.
On December 1, 2016, the Arbitration Court of the City of Moscow received an application from Roman Nikolaevich Morozov to declare JSC Insurance Group UralSib insolvent (bankrupt); by the decision of 01/12/2017, the creditor's application was accepted and proceedings were initiated in case No. A40-240628 / 16-123-321B.
By a court ruling dated February 27, 2017, the issue of terminating the proceedings was appointed.
By the rulings of the Arbitration Court of the City of Moscow dated March 6, 2017, case No. A40-243734 / 16-95-281 on declaring insolvent (bankrupt) JSC Insurance Group UralSib (OGRN 1027739022376, TIN 7703032986) was merged for joint consideration with case No. A40-240628 /16-123-321 with assignment single numberА40-240628/16-123-321; statements by Nikolaichuk T.S., Bogdan A.A., Ibragimova R.R., Nefedova A.I., Aliyakberova A.Z., Gnatyuk I.P. and Dorofeeva A.N., Amiragova V.S., PJSC Interbranch Insurance Center, CJSC AIG Insurance Company”, Logotrans LLC on the recognition of UralSib SG JSC (OGRN 1027739022376, TIN 7703032986) as insolvent (bankrupt), received in the framework of case No. A40-243734 / 16-95-281 are combined for joint consideration with case No. A40- 240628 / 16-123-321 with the assignment of a single number A40-240628 / 16-123-321.
By the ruling of the Arbitration Court of the City of Moscow dated April 12, 2017, the application of Avto-Khosta LLC, B.M. Sakharova, M.M. Alsabekova, Auto Business Center Group LLC, M.A. Abakumova on the recognition of UralSib SG JSC (OGRN 1027739022376, TIN 7703032986) as insolvent (bankrupt), received in the framework of case No. A40-243734 / 16-95-281, combined for joint consideration with case No. A40-240628 / 16-123 -321 with the assignment of a single number A40-240628 / 16-123-321.
By the definition of the Arbitration Court of the City of Moscow dated April 19, 2017, the statements of Shabanov V.V., Teterevkov V.A., Ukraintseva I.V., Rodimtsev D.A. on the recognition of JSC «SG «UralSib» (OGRN 1027739022376, TIN 7703032986) insolvent (bankrupt), as well as the statements of Arslanov D.I. and Megapolis-invest LLC on declaring UralSib SG JSC (Primary State Registration Number 1027739022376, TIN 7703032986) insolvent (bankrupt), received in the framework of case No. A40-243734 / 16-95-281, merged for joint consideration with case No. A40 -240628 / 16-123-321 with the assignment of a single number A40- 240628 / 16-123-321.
By the decision of the Arbitration Court of the City of Moscow dated April 24, 2017, the statement of Tokarev P.K., Valeev F.R., IP Reutov A.S., Gubanova S.V., Lukmanov F.V., a joint statement of Doroshenko A.A.; Zykova I.S., Shanginova G.M., Oreshkina O.V., Naydenova S.A., Temnokhud Yu.V., Gromkina A.I., Popova E.V., Medvedeva D.A., PJSC " SAK "ENERGOGARANT", Sukhorukova A.V., joint statement by Antipov A.Yu. and Golubentseva I.V., Berezhnoy S.A., IP Agafonova V.K., Yatsenko D.S., Kudryashova T.N., Premium Auto Trans LLC, Lapiya LLC, Eliseeva T.A., Alpha Company LLC, Project Office LLC, Lupenko P.B. on the recognition of UralSib SG JSC (OGRN 1027739022376, TIN 7703032986) as insolvent (bankrupt), received in the framework of case No. A40-243734 / 16-95-281, combined for joint consideration with case No. A40-240628 / 16-123- 321 with the assignment of a single number A40-240628 / 16-123-321.
March 12, 2018 Chairman of the twelfth judicial composition Fateeva H.The., having considered the replacement of the judge Zlobina E.A. on consideration of the application of Morozov R.N. on declaring insolvent (bankrupt) JSC Insurance Group UralSib (OGRN 1027739022376, TIN 7703032986) in the framework of case No. A40-240628 / 16-123-321B on the insolvency (bankruptcy) of JSC Insurance Group UralSib (OGRN 1027739022376, TIN 1027739022376) 7703032986), decided to replace the judge Zlobnaya E.A. on the judge Marasanov The.M.
Creditors of JSC Insurance Group Uralsib (Primary State Registration Number 1027739022376, TIN 7703032986) are actively approaching lawyer Sergey Moskalenko regarding the bankruptcy of an insurance company.
The lawyer prepares applications to the Arbitration Court of the City of Moscow on behalf of individuals and legal entities in respect of the debts of Uralsib Insurance Group JSC, our task is to include the debt of the Uralsib insurance company to the creditor in the register of claims of the debtor's creditors.
History and chronology of the bankruptcy of the insurance group Uralsib.
On December 1, 2016, the Arbitration Court of the City of Moscow received an application from Roman Nikolaevich Morozov to declare JSC Insurance Group UralSib insolvent (bankrupt); by the decision of 01/12/2017, the creditor's application was accepted and proceedings were initiated in case No. A40-240628 / 16-123-321B.
By a court ruling dated February 27, 2017, the issue of terminating the proceedings was appointed.
By the rulings of the Arbitration Court of the City of Moscow dated March 6, 2017, case No. A40-243734 / 16-95-281 on declaring insolvent (bankrupt) JSC Insurance Group UralSib (OGRN 1027739022376, TIN 7703032986) was merged for joint consideration with case No. A40-240628 /16-123-321 with the assignment of a single number А40-240628/16-123-321; statements by Nikolaichuk T.S., Bogdan A.A., Ibragimova R.R., Nefedova A.I., Aliyakberova A.Z., Gnatyuk I.P. and Dorofeeva A.N., Amiragova V.S., PJSC "Intersectoral Insurance Center", CJSC "AIG Insurance Company", LLC "Logotrans" on the recognition of JSC "SG "UralSib", (OGRN 1027739022376, TIN 7703032986) insolvent (bankrupt) ), received in the framework of case No. A40-243734 / 16-95-281, are combined for joint consideration with case No. A40-240628 / 16-123-321 with the assignment of a single number A40-240628 / 16-123-321.
By the ruling of the Arbitration Court of the City of Moscow dated April 12, 2017, the application of Avto-Khosta LLC, B.M. Sakharova, M.M. Alsabekova, Auto Business Center Group LLC, M.A. Abakumova on the recognition of UralSib SG JSC (OGRN 1027739022376, TIN 7703032986) as insolvent (bankrupt), received in the framework of case No. A40-243734 / 16-95-281, combined for joint consideration with case No. A40-240628 / 16-123 -321 with the assignment of a single number A40-240628 / 16-123-321.
By the definition of the Arbitration Court of the City of Moscow dated April 19, 2017, the statements of Shabanov V.V., Teterevkov V.A., Ukraintseva I.V., Rodimtsev D.A. on the recognition of JSC «SG «UralSib» (OGRN 1027739022376, TIN 7703032986) insolvent (bankrupt), as well as the statements of Arslanov D.I. and Megapolis-invest LLC on declaring UralSib SG JSC (Primary State Registration Number 1027739022376, TIN 7703032986) insolvent (bankrupt), received in the framework of case No. A40-243734 / 16-95-281, merged for joint consideration with case No. A40 -240628 / 16-123-321 with the assignment of a single number A40- 240628 / 16-123-321.
By the decision of the Arbitration Court of the City of Moscow dated April 24, 2017, the statement of Tokarev P.K., Valeev F.R., IP Reutov A.S., Gubanova S.V., Lukmanov F.V., a joint statement of Doroshenko A.A.; Zykova I.S., Shanginova G.M., Oreshkina O.V., Naydenova S.A., Temnokhud Yu.V., Gromkina A.I., Popova E.V., Medvedeva D.A., PJSC " SAK "ENERGOGARANT", Sukhorukova A.V., joint statement by Antipov A.Yu. and Golubentseva I.V., Berezhnoy S.A., IP Agafonova V.K., Yatsenko D.S., Kudryashova T.N., Premium Auto Trans LLC, Lapiya LLC, Eliseeva T.A., Alpha Company LLC, Project Office LLC, Lupenko P.B. on the recognition of UralSib SG JSC (OGRN 1027739022376, TIN 7703032986) as insolvent (bankrupt), received in the framework of case No. A40-243734 / 16-95-281, combined for joint consideration with case No. A40-240628 / 16-123- 321 with the assignment of a single number A40-240628 / 16-123-321.
On March 12, 2018, the Chairman of the twelfth judicial composition Fateeva N.V., having considered the issue of replacing judge Zlobina E.A. on consideration of the application of Morozov R.N. on declaring insolvent (bankrupt) JSC Insurance Group UralSib (OGRN 1027739022376, TIN 7703032986) in the framework of case No. A40-240628 / 16-123-321B on the insolvency (bankruptcy) of JSC Insurance Group UralSib (OGRN 1027739022376, TIN 1027739022376) 7703032986), decided to replace the judge Zlobnaya E.A. on the judge Marasanov The.M.
The report of the Insurance Group (IG) Uralsib under IFRS for 2016 "in all material respects" does not reliably reflect the financial position of the group, BDO Union noted in the comments: IG Uralsib proceeds from the assumption of going concern, but a number of causes the auditor to doubt it.
The negative capital of the group at the end of 2016 amounted to 2.7 billion rubles, the loss before taxes was 2.75 billion. Uralsib SG does not comply with the regulator's requirement to comply with the solvency margin, the composition and structure of part of its assets does not meet the standards of the Central Bank, stated in the auditor's report. In August, Uralsib SG's license for OSAGO was suspended, this year the group transferred the entire auto insurance portfolio - almost half of its business - to Opora and plans to transfer the portfolio of "other insurance", reports BDO Union.
The representative of the insurer only confirms that the company plans to refuse insurance of dangerous objects and the liability of the carrier.
Multiple lawsuits have been filed against the company, the auditor continues, and if the court satisfies them, payments may become unbearable for the insurer (see inset).
The group also provided false information about its beneficial owner, violating the requirement to disclose information about related parties, the auditor notes. According to the reports, at the end of last year, 91.7% of SG shares belonged to the parent SG Holding Uralsib and 8.3% - financial corporation(FC) Uralsib, the ultimate beneficiary of which is Nikolai Tsvetkov (since April 11, 2017, Vladimir Kogan has become it, the report says). The corporation also controls 92.7% of the group's parent holding through management company BFA and controlled by it closed mutual fund"Strategic-1". The auditor claims that the SG "inaccurately" indicated the ultimate beneficiary. The reporting disclosed "all information about the beneficiaries at the reporting date," the representative of the group answers. In the event that facts of violation of the law are established, the Central Bank will take supervisory response measures, a representative of the regulator said, without specifying what punishment is due to insurers for distorting consolidated financial statements.
BDO Unicon partner Larisa Efremova only said that "all the main reasons for the negative opinion are reflected in the auditor's report."
According to the reports, the fees of IG Uralsib last year decreased to 14.3 billion rubles. (from 15.6 billion a year earlier), payments - up to 7.5 billion rubles. (from 11.4 billion), net loss - up to 2.7 billion rubles. (from 3.2 billion). Assets more than halved to RUB 7.4 billion: in particular, funds in banks decreased significantly, investments in securities- hundreds of times.
More than 65% of the loss, taking into account legal costs, fell on OSAGO, a representative of Uralsib points out, but the company gave away its auto insurance portfolio and its financial indicators will improve. The insurer is working in accordance with the financial recovery plan agreed with the Central Bank, which "implies the continuity of its activities," and is now transferring assets into more liquid instruments, he continues. In addition, SG Uralsib closed most of the regional branches, reduced staff, sold two "daughters" - " MSK Uralsib and Uralsib Life, real estate objects, are listed in the report. The parent company provides it with financial assistance: 3 billion rubles. - in the first half of 2016 and another 3.5 billion - in April 2017.
The auditor's wording is rather harsh, but perhaps too strong, says the managing director of the National rating agency Pavel Samiev: the group is on “unofficial readjustment” and its assets may indeed not meet the requirements of the regulator, the question is the scale of the problems - perhaps certain types assets have gone beyond the limits set by the Central Bank or do not meet the rating requirements. “Within the framework of rehabilitation measures, this problem can be solved,” he is sure.
Uralsib's losses were predictable, financial results this year should be better due to the sale of the auto insurance portfolio, Samiev continues. What was the problem to reveal new structure group ownership is correct, incomprehensible, he is surprised: “Looks like a technical failure.” The main problem of the group is the courts, but it has nothing to do with reporting, Samiyev is sure. However, in order to make a conclusion about the continuity of the group's activities, an analysis of the rating agency is needed, he is sure.
It is difficult to conduct it: this year the company refused the services of agencies. In January, Expert RA withdrew her rating. Email address uralsibins.ru, where there was information about the Uralsib IG, is now owned by the Uralsib insurance company, which was bought by FC Uralsib from the Svyaznoy group at the end of last year. Documents and details of SG Uralsib have been moved to the page www.iic.ru. In April, "Expert RA" awarded " Uralsib insurance» Rated A(III) with a 'stable' outlook. The representative of SG "Uralsib" stated that the two insurers would work autonomously.
Everyone to court!
As of April 7, 75 individuals (some of them collectively), 17 companies and several individual entrepreneurs filed bankruptcy claims with the Moscow Arbitration Court.
