In this case, the company showed the entire 2016 financial gains through a decrease in income from its main business — OSACV. So, for nine months of 2016, the net cash flow under RAS was 4.3 billion rubles, and according to the MSFZ for the first time 8.65 billion rubles. Due to the instability of earnings on December 12, the S&P rating agency put the ratings of Rosderzhstrakh on review with a negative outlook. Tim for an hour, close to please, signifies that in the middle of the chest, the Derzhduma praised the first reading of the amendments to the law on OSACV, as they can help stabilize the situation in this segment of the insurance business.
"Rosderzhdstrakh" at the link with the high bridles in OSACV has recently begun to reduce its share in the segment. So, on March 31, 2015, the won was 37.7%, and on March 30, 2015 - 34.8%. As of September 30, 2016, the share of Rosderzhstrakh in the OCAAC market decreased to 24.4%. The company began to reduce part of the time since the beginning of January on the cob of chern 2015, the Central Bank of Russia has set aside the licenses of Rosderzhstrakh for the construction of OSATs from damages in case of stasis of the lowering coefficient (bonus-malus) at insurance premium
The main beneficiary of the RGS insurance group is Danila Khachaturov, who is the main asset of the group, PJSC Rosgosstrakh, RGS Bank, IC RGS Investitsi through the structure of the Cypriot offshore companies - RGS Holdings Ltd, RGS Asseets LTD, RGS Company Ltd.
Based on the materials of Rosderzhstrakh, 50.46% of its shares belong to PJSC RMP Holding, 10.5% - to RMP Assets, 6.7% - to Management of Entitlements, which is trusted by certain pensioners. savings of illegal armed formations"RGS".
The main beneficiary of the RGS Bank, for the sake of popularity on the website of the Central Bank, is Sergiy Khachaturov, who, through the Cypriot offshore control together with partners, has 75% of his shares.
On March 19, there were no comments from the parties for one of the largest on the market. In this order, the key parameters please - the sum, the chastka, as it is taken from Khachaturov's "Vidkritti", the terms of that stage are filled with indeterminacy. Experts do not rule out that the nature of Rosderzhstrakh may please the mother of impressions, that it is trying out a difficult financial situation. Behind the words of Dmitry Monastirshina, an analyst at Promzvyazku Bank, a joint venture with "Vidkrittyam" for Rosderzhstrakh is a way to improve the financial situation. "Partly it can be called a variety of private financial recovery," - vin. Monastyrshin cares about private graves ( state banks more than once they warned not to get caught up in health improvement projects) "Vidkrittya" - "the only one who can win over this business with the improvement of what Rosderzhstrakh is doing at the beaten station." Behind RBC's tribute, "Vidkrittya" was the only contender for the active company.
Due to the presence of official comments about the favor of the “Vidkrittya” and “Rosderzhstrakh”, the experts cannot assess in detail the impact on the participants. "For evaluation, it is necessary to know how the favor will be structured," adds Moody's analyst Petro Palkin. “You need to be smart about how the process of consolidating a business should be considered, to respect it in S&P. "Rosderzhstrakh" - to finish off a great asset, the whole process can take an hour," says S&P analyst Katerina Tolstova. , but it’s necessary to take it to respect and other factors, such as the cost of the cash flow and the collection of liquid costs from the insurance company, ”Vvazha Tolstova.
Zbitkost "Rosderzhstrakh" in the OSATsV segment is called the main risk and the key director of the National Rating Agency (NRA) Pavlo Samiev. “The situation with OSATsV is not very favorable for the whole market. І tse main risk for the purchase, ”- even Samiev. In addition, do not forget about the risks of the integration process like this: the stench is great, so management and the management system will be united. In such a situation, it will be important, as much as possible, to save the customer base,” adds Dmitro Fedenkov, analyst at Nordea Bank. Vіn means that on the Russian financial market even a little pleasing anger and dishonor led to a littered synergistic effect and were positively marked on the results of their participants.
The quotation of Rosderzhstrakh's shares on the Moscow Exchange has been slightly decreasing throughout the day. However, before yesterday's closing, the shares went up by 0.5% to 0.4 rubles.
The main problem of all financial organizations, liquidation of the sanation of which the Central Bank is engaged in, if there are distortions in corporate governance. About the events during one of the sessions of the International Financial Congress, the first intercessor of the head of the Central Bank, Sergiy Shvetsov, gave the example of a recent case to the bank "FK Vidkrittya" and "Rosderzhstrakh". On the other hand, a number of directors were brought to a deplorable situation in both cases, although they were only used “for show”, then, in fact, all decisions were taken by other directors.
The first intercessor of the head of the Central Bank, Sergiy Shvetsov, called the main reason for the collapse of the great financial organizations, which passed under the control of the regulator, distortions in corporate management. “The Bank of Russia has a special plan to carry out investigations in different countries, so (for financial organizations) it is necessary to go out of the norm. Maybe here are the problems of credit policy, here - lending to shareholders, here - they just stupidly lied, or even a defect in corporate governance, ”saying the blame at the speech at the International Financial Congress (quote from RBC).
Mr. Shvetsov illustrated his words with two rifle butts: cases to the bank "FK Vidkrittya" and "Rosderzhstrakh". Following the words of the first intercessor of the head of the Central Bank, in both cases, all strategic decisions were taken by the director, and some of the directors were called “for show”.
Behind yoga words, the director robbed for the sake of directors "handy" people for himself. “At the same time, “Vidkrittyam”, I think, the directors were glad to be fully convinced that the shareholder or the representative of the shareholder, the director of the company, carried the evidence. The 1st Board of Directors was engaged in compliance with the point of view of the minimum allowance of the Moscow Exchange for the listing of PJSC "Vidkrittya" shares in the list of quotations. Neither the manager of "Vidkrittya", nor the shareholder, nor the management took a number of directors not as a management body, but as a compliance from the point of view of regulation, "explaining Mr. Shvetsov (quoted from TARS). Behind yoga words, you can’t believe that last president bank that head for the sake of the directors of "Vidkrittya Holding" Ruben Aganbegyan has the necessary qualifications to understand his functions. "Vin miraculously rozumіv, ale tim did not allow less," - said Pan Shvetsov. Practical activity for the sake of the directors of "Vidkrittya" was carried out to absentee voting for the favors of zatsіkavlenistyu, write TASS from sending to the intercessor of the head of the illustrative for the sake of the Moscow Stock Exchange, a member of the stream for the sake of directors of the bank "FK Vіdkrittya" Andriy Golikova. “Over the past few years, nearly 50 happy directors have been held, and two of them were held in person,” - scoring wine.
Bank "FK Vіdkrittya" having spent the reorganization within the framework of the new scheme of financial rehabilitation for the first time in 2017. In the beginning of 2018, the process was completed; As part of the recovery of the bank, the Central Bank purchased a supplementary issue from FC Vіdkrittya in the amount of 456.2 billion rubles. and giving the bank 111 billion rubles. at the form of deposits. Mr. Pan Aganbegyan sent the president to the bank and the warehouse for the sake of the directors of "Vidkrittya Holding" at the spring of 2017. For example, since the beginning of 2018, the year of 2018 was considered to be planted by the director general of the investment company "WEB Capital". In the middle of May 2018, Pan Aganbegyan will be re-established as a candidate for the appointment of an independent director new warehouse for the sake of the directors of Rostelecom (I’m going to plant a lot of wines with a stretch of a few years).
Insurance company "Rosderzhdstrakh" spent the perimeter of the sanitation of the bank "FK Vіdkrittya" at the start of 2017. In the same fate, Mikhailo Zadornov, having succumbed to the bank "FK Vіdkrittya" with some luck, stating that in "Rosderzhdzhstrakh" "having robbed the animal to the bottom", the company was implementing a business model, like "it was not directed at those who bring it to shareholders legal gain." At the end of April 2018, the Lefortovo Court of Moscow arrested the big vice president of the company, Sergiy Khachaturov, who is suspected of having a great embezzlement. There were no official claims to the great insurer Danila Khachaturov.
In the future of 2017, Mr. Shvetsov announced the readiness of the CPU to “resuscitate” the bill on the promotion of the viability of the certifiers in public companies, which was adopted by the first reader in 2010.
In this hour of wine, like before, you can be seen in Derzhdum. Let's step forward, for yoga words, we can commend the law on the legalization of shadow directors. “We may, as a cardinal rank, promote the implementation of the actual failure to win against unfair actions. Tilki tse can balance those advances, like this day they gain unsettled gravity. In any case, it is important to promote the institution of the "shadow director",” said Mr. Shvetsov. For yoga words, nonsense is the situation, if the Central Bank includes to its black list not quiet people, they are collaborating with the regulator, while the financial organization is still running. “The director of the company can also bear the promise, and not care about people who have hired some kind of wine,” Pan Shvetsov said loudly.
About the offer for the shares of Rosderzhstrakh Bank: having purchased 14.93% of the credit institution from minority shareholders, consolidating 99.99%.
On the 25th of the last year, FC Vidkrittya added 60.51% of PMP Bank from RGS Capital to Sergiy Khachaturov (brother of Danil Khachaturov, the chief executive officer of Rosderzhstrakh). Todi at "FK Vіdkrittya" and viniklo goiter about the offer. A few days later, by decision of the Central Bank, the bank was transferred to the Banking Sector Consolidation Fund. In the course of sanation, control was also transferred to Rosderzhstrakh and RGSN, which owned 24.5% from RGS Bank. In this rank, the share of "FK Vidkrittya" reached 85.04%.
On vykonannya goiter on the offer of "FK Vіdkrittya" got to know mayzha rik. First of all, having voted about the redemption from the minority shareholders of the paper of the RGS bank at 2504.48 rubles. per piece from Zhovtni 2017 If so, the bank permanently changed the offer: continuing the term, as well as shortening the term of payment for papers that were presented before maturity.
In this manner, "FK Vіdkrittya" wanted to give the opportunity to our shareholders to present their shares before the redemption, the representative of the bank pressed: "If the shareholders came, we took away the opportunity to close the favor."
The offer was made by three shareholders, having nominated vin, less than for the purchase of papers "FK Vidkrittya" for 1.55 billion rubles. Most of the sum is 1.03 billion rubles. - Having taken off the insurance "RGS of life" (for the sake of "FC Vіdkrittya" I didn't get it and didn't spend it with the FKBS). The representative of the insurance company confirmed that he had sold 9.88% of the CGA to the bank under the offer.
Behind the scenes superechka for 116 billion rubles.
Mіzh "FK Vіdkrittya" and "RGS life" are not easy stosunki. At the head of the head of the board of "FC Vidkrittya" Mikhailo Zadornov, he expressed his hope that "RGS life" would turn to the warehouse of the group bank. The president of that new head of the insurance company, Evgen Giner, confirmed that the company was in no way indebted to Rosderzhstrakh, and said “for example, “turning around” should not be misused by your daily pidstav.
Recently, under the control of FC Vіdkrittya, Rosderzhstrakh, having filed a call to the RGS of Life for 116.6 billion rubles: it is possible to incriminate the agreement on victoriousness to the Rosgostrakh brand, under which the companies are offended.
"Rosogostrakh" is not ready to look at the ship's view after the name of "Capital Life" was changed to "Capital Life". Zadornov, calling the change "positive action", but noting that the poses should be honored by the brand and in the future. “In our opinion, RGS Life paid absolutely meager sums for the Rosderzhstrakh brand. You don’t know this chain yet, ”quoting the 10th of September of the first word of Interfax.
For the trademark "Rosgosstrakh of life" to pay "Rosgosstrakh" less than 1 million rubles.
One more shareholder of RMR Bank is called
TOV "Investproekt" has accepted the offer, having confirmed the representative of "FK Vіdkrittya". The company took 525 million rubles. The representative of the bank did not name the third shareholder.
Company Rosderzhstrakh for minuliy rіk spent over a third of its income on the insurance market. Now they're swearing by the "Vidkrittya" group, as you can see the oligarch Danil Khachaturov's huge assets dry.
Immediately, the participants of the market started talking again about the anger of Rosderzhstrakh with the bank "Vidkrittya", about rozmov to walk already over the second time. Tim more, that "Vidkrittya" has once again become more active and has begun to actively pursue the topic of Rosderzhstrakh. As has already been written to ZMI more than once, experts said that once the two companies are angry, you will be the most pleasing on the Russian insurance market. Activation of the sovereign insurance company is a lacy piece for any firm, and for "Vidkrittya" we are ahead.
Adzhe understand "angry" in this situation may have a very smart character. Really zastosovne appointed - tse "poglinannya" by the bank of the insurance company. What is the reach of already long and hard. Rosderzhstrakh for a long time and uncompromisingly. To that, it’s more than a lacy piece for any kind of business. Vlasnik "Vidkrittya" Vadim Belyaev fresh air. І in a situation with yogo credit setting tse true so і є. Spell in "Vidkritti" not very well. It would have been better, now interest rates on the deposit of clients, I don’t have to worry. And from the fact that Rosderzhstrakh should be occupied with yogo great resources, then the total asset of the two structures will be moved by 4 trillion rubles! Well, how can you not make such a jackpot here!
At the same time, svidshe for everything, the bank saw the best asset of Rosderzhstrakh - the pension fund of the RGS. Tse will be true, just a royal addition to the jar. Adzhe clientele of the NFP donated 165 billion rubles to you mayzha. The truth is, the participants in the market can’t let it go, it’s efficient, but, honestly, it’s legal for Vadim Belyaev’s bank to dispose of the asset. And more evil mov podeykuyut, that the pension fund will become an object of tacit favor of Belyaev and the head of Rosderzhstrakh Danila Khachaturov.
But you can’t let anyone know that if you please become a client of the pension fund. As practice shows, “Vidkrittya” is not too difficult to put before them. Before speech, such a topic is being considered, as the transfer to the bank of the structure of Rosderzhstrakh “RGS-neruhomist”, as if there are 300 insurance companies on the balance sheet, in which one is found. There, the sumarna vartist is worthy - mayzhe 30 billion rubles. Such pennies to Belyaev are not good tezh, mabut, not varto.
Financial policy "Vidkrittya"
The policy of the bank "Vidkrittya" is called by all the experts not otherwise, but aggressive. So, the bank has won up to ten of the best in the country for its credit rates. The stench seemed to be greater, lower than that of such financial monsters, like Alfa-Bank. As if the rest had uttered 8 vіdsotkіv of rivers, then Belyaev having voted mayzhe 9 vіdsotkіv. In this situation, it’s nerve-racking for Oschadbank to shoot at the cove with its unfortunate 7%. Tsimi "zamanukhami", how to vvazhayut experts, "Vidkrittya" and attract customers. Only the axis, by some rank, you are going to win your more and more generous obіtsyanki from the payments. The only way to give financial advice is to fight for the money of earning pennies from new investors. Do you guess anything? And guess the banal financial pyramid. As soon as it ends early, and bring to collapse, like the bank itself, so the clientele. Remaining butt- Khanty-Mansiysk branch "Vidkrittya". Over the last few years, revenues have fallen more low 20 times, leading the bank to hit 21 billion rubles.
The net profit of the head bank of the group - "FK Vіdkrittya" for the same river fell six times more than once, up to 2.3 billion rubles. For the first 9 months of 2016, the rock was marked by its dynamics. The net profit of the banking group for the whole period decreased by 1.7 times, to 3.605 billion rubles. Banking “menu” Why does the “Vidkrittya” group continue to work with the top financial organizations of the country for such a decrease in income? It's simple, the bank is hungry for the favor of other banks. In 2012, the fate of "Vidkrittya" Belyaev actually faded "Nomos-Bank". However, despite the fact that “Bank “Vidkrittya”, which accounts for close to 70% of the assets of FC “Vidkrittya”, obviously lowers the profitability and efficiency, lower “Nomos-bank”
Moreover, the “pyramid-like” banking structure under the name “Vidkrittya” with 240 billion assets was able to take the bank with assets of 640 billion rubles.
There is a memorable history with the bank "Trust", which spent on the reorganization of "Vidkrittya" after the short "recovery" of "Trust" Belyaev, having asked the state for more than 50 billion rubles to close the financial "dir". Only the axis of others, so I lost a riddle. "Trust" at the pіdbag so іn't vyyshov іz fіnasо pіku, vіdіlenі pennies, mаbout, gagged "dirki" of "Vіdkrittya" itself. The same thing happened with the bank "Petrocommerce", slandered by Vadim Belyaev.
In 2012, the bank "Petrocommerce" having seen "Zlatoust Metallurgical Plant" a loan of more than 2.5 billion rubles. The pennies were repaid by ZMZ, and on the same day they were transferred to the Metallurg Trust company of the Mechel group. Then a big sum of money went straight to the offshore under the name "Masterking Trading Limited", tied to the bank, and the call - again "Petrocommerce". As a result of the implementation of a similar Shakhrai scheme, the pennies actually did not come from Petrokomerets, the factory having eliminated a majestic financial breach, which is why it was grafted to bankruptcy.
What is the result of the sumnivnoy work of Belyaeva and yogo jar? And those that all the authoritative rating agencies have ceased to include it before their calls. Shchob іnshі did not spend at the financial merezhі "Vіdkrittya". Well, Rosgosstrakh has every chance. Just what you need. Navit on the arc of a difficult economic situation. Aje transition to "Vidkrittya" as a whole can become the closure of the largest insurer in Russia.
Danil Khachaturov, the chief clerk of Rosderzhstrakh, negotiated the transfer of control over the company, Vidomosti was told about the number of bankers and insurance companies. In the middle of the past, for example, Khachaturov at the company of the supporter of "Vidkrittya Holding" Vadim Belyaev and the first intercessor of the head VTB Yuriy Solovyov, having called the head of the Central Bank, Elvira Nabiullina, called two derzhbankirs and dzherelo, close to Rosderzhstrakh. The parties submitted to the regulator a plan for merging the assets of the Rosderzhstrakh group and the Vidkrittya group, but they decided to do so in the summer of 2016, and they are preparing to conduct due diligence of the assets of Rosderzhstrakh.
For the time being, they are discussing the arrival of an insurance company controlled by your RGS-bank to “Vidkrittya”, the person, who knows both sides of the negotiations, clarified. Retirement business (IAF "RGS") please do not see. Khachaturov wrests a minority stake from "Vidkrittya Holding". According to the information of the Vedomosti spokesperson, the partners are thinking of creating the largest private financial group in Russia with assets of 4–5 trillion rubles. with a customer base of 55 mln. For the insurance business, the team of Rosderzhstrakh, for the banking investment and brokerage - the team of "Vidkrittya", even wines, "practice business under brands, what to do".
Representatives of “Rosderzhstrakh” and “Vidkrittya” responded to the comments.
Rozmir of the package, such as Khachaturov can be taken in the joint structure, will be deposited in financial state companies.
OSATsV brought the insurer 15500000000 rubles. beaten in the first half of 2016 Not long ago, Rosgosstrakh voted a dodatkovu issue for 46 billion rubles. (Approximately 20% of the increased statutory capital). Prote one of the spіvrozmovnіkіv "Vedomosti" admitting that it could be one of the stages of the future. Last week, the S&P rating agency wrote about the fact that the insurance business is still oriented towards the turbulent OSATsV market, and the wines are left to support shareholders.
Rosderzhstrakh and Vidkrittya are long-term partners. The structures of Rosderzhstrakh already hold 8.7% of the parent bank of the FC Vidkrittya group. In 2014 koshtom pension savings a part of the bank's capital was added by the NVF "RGS". For tribute on 8 breasts, the trust of the pension fund will receive 7.5% from the capital of the bank, and more than 1% from the insurance company itself. pension fund CSG, kakiy uvіyshov pleasing, before volodіv 6.73% of the shares of the insurance company.
Crimean fund and insurance company in the group "RGS-neruhomist" - it lists the borg for bonds in the amount of 28700000000 rubles. and 270 offices, yakі rent CGS. Chi bude priednana - not zrazumilo, kazhe spіvrozmovnik "Vidomosti". Part of the unruliness in the structure of the assets of Rosderzhstrakh is above average, but all objects in the government are real, according to the director of the National Rating Agency Pavlo Samiev.
The businessman also negotiated with VTB and Oschadbank, as well as one of the state banks, but they did not move. "Facts in such configurantsіji Visradews" Vimouushenya for Khachaturov, osskіlki Nіchto not to wake up such siturats in the auto insurance "," Doda іn і в і щ щ ШО соодной инотой бізенто-model, and Іnvestor - Shardati from Wartіst Kompanії Mozhlivia regulatory rhizik . : amendments to the law on OSACV have not yet been adopted
"Rosgosstrakh" was called the insurance Oschadbank, and the percentage in the OSACV reached 41%. The problems of the company grew at once due to the deteriorating situation in this market. The insurance company was driven by the activity of auto lawyers, as well as by the number of damages during the sale of policies. At grass 2015 The Central Bank awarded the OSACV license from Rosderzhstrakh, which shocked the market. At the same time, the insurance company is steadily lowering a part of the market.
The main problem for Rosderzhstrakh is the clumping of the OSATsV, the conversion of the Samievs, especially due to the fact that Rosderzhstrakh has representations in all folding regions, and cross-selling to reduce the clashes to the OSATsV cannot be tied. “Be it a great company with a great part of the OSATsV and a great regional border, it is under pressure, and Rosderzhstrakh is under the biggest,” - continuing wines, the insurance company needs to get a great resource in order to survive 2017, so there will be no amendments to the terms it is natural to blow in OSATsV or the stench will be ineffective. coming river, At the thought of Samієva, it might be shocking for the low great companies Ale dodatkovoї emisії in 20% of the shares may be vistachiti, so you can survive it, vvazhaє vin, before that “Vіdkrittya” is a hard group, as if you could support it, be it finances bіn 'juncture problems on the market. Wanting, obviously, є risik, that at the first stage, Rosderzhstrakh can set up a “Vidkritt” zbitkіv. Ale Purchase Destities of Corporations Mozhlivіsti Viyti at the insurance rill. Zhu Vіdrazi to exercise Provіdnі І Vіdrazі segmentation-group "Vіdkrittya" did not vistazhi in such a large-scale insurance service, Vvazhaє Samієv, at the Ski-Communion Finansi Group, for Okrai Vinyatniki, є insurance company.