The bank was founded in 1994 in the city of Simferopol. From the very beginning of its activity, the business of the financial institution was concentrated on the territory of the Republic of Crimea. In addition, the bank had branches in Kyiv, Zaporozhye and Odessa region. In 2006 became an authorized bank pension fund Ukraine for servicing pensioners. May 2014 National Bank of Ukraine deprived the ChBRR of a license to carry out banking, arguing the recall by the impossibility of carrying out banking regulation and supervision currency control and state financial monitoring of the bank's activities. At the time of revocation of the license, the bank's shareholders included 34 persons, none of which controlled more than 10% of the shares.
As early as August 2014, the BRRR came under the regulation of the Bank of Russia. At the suggestion of Vladimir Levandovsky, Minister of Finance of the Republic of Crimea, the bank's shares were transferred to the jurisdiction of the Ministry of Property and land relations republics. Sergei Aksenov, Chairman of the Council of Ministers of the Republic of Crimea, in turn, instructed to develop "development programs for the government bank."
Since August 2014, the ChBRD has been a member of Russian system deposit insurance.
In 2015, information appeared on the market about the planned takeover of ChBRR by Genbank, controlled by the Crimean government and the authorities of Sevastopol (25% of the shares each, the bank is currently undergoing a financial recovery procedure). However, by October 2016, it became known that the Sevastopol authorities had decided to refuse to transfer 25% of Genbank's shares to the Crimean government, which was necessary for further consolidation of banks.
In October 2018, the bank switched to the basic license of the Central Bank of the Russian Federation in accordance with the requirements of the Federal Law "On Banks and Banking Activity".
Currently, the main shareholder of ChBRR is the Ministry of Property and Land Relations of the Republic of Crimea - 98.15% of the shares. The owners of the remaining 1.32% and 0.53% shares, respectively, are Crimean Depository OJSC and minority shareholders.
The bank's network is represented by the head office in Simferopol and 38 additional branches in the Republic of Crimea, including seven branches in Sevastopol (as of July 30, 2018). At the end of 2017, the number of employees of the credit institution was 304 people (a year earlier - 292 people). The financial institution has 25 units of its own ATMs.
The bank serves state enterprises, tourism, agricultural, food, construction, gas, automotive and many other industries of the Crimea. AT branch structure loan portfolio the following segments predominate: trade and repair (37.6%), real estate and construction (17.5%) and manufacturing (14.4%).
The Bank provides corporate clients with lending services (including for individual entrepreneurs), settlement and cash services, proposes to place available funds on deposits, provides services for foreign economic transactions and offers payroll projects using bank cards payment system"World", corporate cards. For individuals, the financial institution offers deposits, consumer and car loans, RKO, payment cards(“Mir”), making payments, paying for services, Money transfers without opening an account, currency exchange, payment services within the framework of pension and social programs, including benefits from the Departments of Labor and social protection population and other payments for compulsory insurance from the Foundation social insurance, money transfers (Contact, Blizko, Unistream), rental of safe deposit boxes.
The net assets of the credit institution increased by 6.8% (or RUB 371.2 million) since the beginning of the year, amounting to RUB 5.8 billion as of November 1, 2018.
The growth of the balance sheet currency was primarily due to the inflow of funds from individuals, which led to an increase in the bank's resource base. In the active part of the balance sheet, newly attracted funds were mainly used to increase the volume of issued interbank loans and the total loan portfolio.
The structure of the credit institution's liabilities is poorly diversified by sources of attraction and is highly dependent on funds legal entities, whose share as of the reporting date amounted to 42.2% of the total net liabilities of the credit institution. During the period under review, the structure of liabilities underwent the following changes:
The share of funds raised from individuals in liabilities increased from 35.3% to 39.1%, while their nominal amount increased by 353.8 million rubles;
The share of attracted funds of legal entities in liabilities decreased from 48.2% to 42.2%, while their nominal amount decreased by 166.1 million rubles;
As of the reporting date, the credit institution has no borrowed funds from banks;
As of the reporting date, the credit institution does not have its own issued securities on its balance sheet.
As of November 1, 2018, the volume of own funds of the credit institution amounted to 341.3 million rubles, since the beginning of the year this indicator decreased by 1.3% (or 4.6 million rubles). Shares of equity and borrowed funds as of the reporting date are 5.9% and 94.1%, respectively. The own funds adequacy ratio (Н1.0) as of the reporting date is met with a significant margin, amounting to 16.08% (with a minimum of 8%).
The main volume of the credit organization's assets falls on the item of issued interbank loans, which at the reporting date forms 65.9% of net assets. The shares of interest-bearing assets and other assets as of November 1, 2018 are 81.9% and 18.1%, respectively.
During the period under review, the structure of assets has undergone the following changes:
The share of investments in the total loan portfolio increased from 14.2% to 16%, while their nominal volume increased by 153.8 million rubles;
As of the reporting date, the credit institution has no investments in the securities portfolio;
The share of issued interbank loans increased from 65.1% to 65.9%, while their nominal volume increased by 285.8 million rubles;
The share of highly liquid assets decreased from 15.1% to 13.2%, while their nominal volume decreased by 53.9 million rubles;
The share of fixed assets decreased from 3.1% to 2.9%, while their nominal volume decreased by 2.6 million rubles;
The share of other assets decreased from 2.5% to 2.1%, while their nominal volume decreased by 11.9 million rubles.
As of the reporting date, the value of the total loan portfolio of the financial institution is 926.9 million rubles. Since the beginning of the year, its volume has increased by 153.8 million rubles (or 19.9%). The main share in the loan portfolio falls on loans to legal entities - 86.4%. The loan portfolio is predominantly long-term: the share of loans issued for a period of more than one year is 80.6%. Over the analyzed period, the level of overdue debt on the total portfolio decreased from 37.8% to 35.5%. At the same time, the level of provisioning for the loan portfolio is 40.2%, which fully covers the amount of overdue debt. The value of property pledged as collateral for loans is RUB 996.4 million (107.5% of the loan portfolio).
On the interbank market the credit institution acts exclusively as a net creditor. As of November 1, 2018, the volume of placed funds is 3.8 billion rubles, of which 3.8 billion rubles are funds placed on deposit with the Central Bank of the Russian Federation. On the foreign exchange market the financial institution shows weak activity, turnover on conversion operations following the results last month are at the level of 18.9 million rubles.
According to the RAS reporting data, at the end of 2017, the credit institution made a profit in the amount of 16 million rubles. According to the results of January - October 2018, the credit institution shows a profit in the amount of 4.7 million rubles.
Supervisory Board: Oksana Lakhina (Chairman), Yulia Anatolidi, Dina Shutko, Irina Kopteva, Ivan Furs.
Governing body: Dina Shutko (Chairman), Elena Milyavskaya, Oleg Palchik.
The bank was founded in 1994 in the city of Simferopol. From the very beginning of its activity, the business of the financial institution was concentrated on the territory of the Republic of Crimea, in addition, the bank had branches in Kyiv, Zaporozhye and Odessa region. In 2006, he became an authorized bank of the Pension Fund of Ukraine for servicing pensioners. In May 2014, the National Bank of Ukraine revoked the banking license of the ChBRR, arguing that the revocation was impossible to carry out banking regulation and supervision, currency control and state financial monitoring of the bank's activities. At the time of revocation of the license, there were 34 persons among the shareholders of the bank, none of which controlled more than 10% of the shares.
As early as August 2014, the BRRR came under the regulation of the Bank of Russia. At the suggestion of the Minister of Finance of the Republic of Crimea Vladimir Levandovsky, the bank's shares were transferred to the jurisdiction of the Ministry of Property and Land Relations of the republic. Sergei Aksenov, Chairman of the Council of Ministers of the Republic of Crimea, in turn, instructed to develop "development programs for the government bank." Since August 2014, ChRRD has been part of the Russian deposit insurance system.
Currently, the main shareholder of the bank is the Ministry of Property and Land Relations of the Republic of Crimea - 98.15% of the shares. The remaining 1.85% is held by minority shareholders.
The bank's network is represented by the head office in Simferopol and 38 additional branches in the Republic of Crimea, including six branches in Sevastopol. As of October 1, 2015, the number of employees of the credit institution was 466 people - 30 employees more than a year earlier. The bank serves state enterprises, tourism, agricultural, food, construction, gas, automotive and many other industries in Crimea. The bank provides corporate clients with lending services (including for individual entrepreneurs), cash management services, offers to place free funds on deposits, provides services for foreign economic operations and offers payroll projects using Pro100 bank cards of the UEC payment system (accepted for payment in more than 500 thousand trade enterprises and more than 100 thousand self-service devices), corporate cards. For individuals, the financial institution offers deposits, consumer and car loans, cash and settlement services, payment cards (“Pro100”), payment for payments and services, money transfers without opening an account, currency exchange, services for paying social or military pensions and financial assistance, as well as payments of benefits from the Departments of Labor and Social Protection of the Population and other payments for compulsory insurance from the Social Insurance Fund, money transfers, rent of safe boxes.
According to published reports, as of October 1, 2015, the assets of the ChBRD amounted to 3.9 billion rubles, having decreased by one and a half times compared to the level at the beginning of 2015. During the study period, in liabilities, the main decrease was in funds corporate clients, reduced in volume by more than 2.5 times. Against this backdrop, the influx of retail deposits (+22%) only to a small extent compensated for the overall decline in customer liabilities. The bank mainly returned client funds using liquidity reserves, reducing the portfolio of issued interbank loans and funds on accounts with the Bank of Russia.
Client funds form a significant part of the bank's resource base - almost 90% of the credit institution's liabilities as of October 1, 2015. In their structure, despite a significant reduction since the beginning of 2015, funds from corporate clients still dominate, accounting for 54%. These funds are almost completely represented by balances on settlement accounts of legal entities. Household funds, which form slightly less than half of client liabilities, mainly represent term deposits. On the own funds accounts for about 9.5% of the credit institution's liabilities: the capital adequacy ratio H1.0 was fulfilled as of September 30, 2015 with a margin, amounting to 13.6% (with a minimum of 10% for that period).
The lion's share of net assets (62.5% as of October 1, 2015) is represented by funds placed in credit institutions. The bank's net loan debt accounts for about 14% of net assets. 8.7% and 8.3%, respectively, are cash and bank account balances.
The composition of the bank's loan debt is dominated by loans to legal entities, which form almost 70% of the loan debt before provisions. A little more than 20% are loans to individuals, and the rest is represented by interbank loans. Loan debt bank is reserved by a third and, probably, the reserves in full fall on loans to customers. Thus, the level of provisioning of the loan portfolio is even higher and can reach 37%. More than 140% of the bank's customer loans are secured by property pledges.
For the nine months of 2015, the bank received a net profit of 47.3 million rubles. A year earlier, for the same period, the bank suffered a net loss of 54.9 million rubles. In 2014, net profit amounted to 4.4 million rubles. Growth net profit in 2015 due to the release of provisions for loan losses, as well as a threefold increase in net interest income for basic operations.
Supervisory Board: Stanislav Abazher (Chairman), Yulia Anatolidi, Dina Shutko, Bakhtiyar Abdurazakov, Irina Kopteva.
Governing body: Dina Shutko (Chairman), Elena Milyavskaya, Oleg Palchik, Valery Saenko.
The Black Sea Trade and Development Bank (hereinafter - BSTDB) was established as a regional international financial institution in accordance with the Agreement on the establishment of June 30, 1994 and proceeded to operating activities June 1, 1999 Its founders are members of the Organization of the Black Sea economic cooperation Albania, Armenia, Azerbaijan, Bulgaria, Georgia, Greece, Moldova, Romania, Russia, Turkey and Ukraine. Serbia, which joined the BSEC in April 2004, is not yet a member of the BSTDB.
In accordance with the BSEC Statute (art. 22), the Bank has the status of a “BSEC Related Body” (BSEC Related Body). Since May 2000, the BSTDB has been an observer with the IMF and the Group World Bank. The headquarters of the BSTDB is located in Thessaloniki (Greece).
The statutory goal of the BSTDB is to promote the modernization of the economies of the Bank's member countries by financing investment projects and promotion of regional trade. Russia is one of the main shareholders of the Bank (17.26% of authorized capital) and has real influence in it, allowing it to promote Russian interests in the strategically important Black Sea region.
The highest governing body of the Bank is the Board of Governors (BC), which meets once a year, and the current activities are controlled by the Board of Directors (meets 5-6 times a year). The most recent meetings of the SC and BD were held on June 11-12, 2016 in Crete.
The day-to-day management of the Bank is carried out by a President (now representing Turkey), three Vice-Presidents (now representing Bulgaria, Romania and Russia) and a Secretary General (representing Greece).
In order to ensure stability and continuity in the activities of the management, in December 2000, the principle was approved, according to which the main shareholders (Russia, Greece, Turkey) are represented in the management of the BSTDB on a permanent basis.
From July 16, 2010 to July 15, 2014, the President of the BSTDB was the representative of Russia A.L. Kondakov, who previously held the position of Vice President from July 16, 2007 to July 15, 2010.
The priority activities of the BSTDB as the most important tool for the development of multilateral cooperation in the region are the financing of projects of mutual interest to the member countries, in particular, in the field of energy, transport and industry, as well as lending to trade operations.
At the end of 2015, the total number of projects approved by the BSTDB reached 322 for the amount of 4.2 billion euros. The active loan portfolio exceeded EUR 1.35 billion. (as of September 2016), Russia accounted for 20.86% of loans issued (Turkey's share - 21.83%, Romania - 13.69%, Azerbaijan - 10.47%). The share of "problem" loans remained low and did not exceed 1.2%.
Russia's interest in the activities of the BSTDB is explained by the ability of the Bank to play a useful role in the restoration of Russia's cooperation with the CIS countries and of Eastern Europe, as well as in providing economic interaction with Turkey and Greece.
At the regional level, the Bank can become an effective tool for promoting Russian industrial exports, engineering and construction services and Russian technologies to the markets of the countries of the region.
Participation of representatives of Russian federal bodies executive power in the work of the Bank is regulated by the Decree of the Government of the Russian Federation dated August 28, 1997 No. 1073
"On Ensuring the Participation of the Russian Federation in the Black Sea Trade and Development Bank". In accordance with this resolution, the Russian Foreign Ministry is entrusted with the functions of a communication channel between the BSTDB and Russian ministries, departments and other organizations, as well as coordination of their activities in cooperation with the Bank.
Depository of ruble funds of the BSTDB – Central bank Russia.
