Source: Rucriminal

It happened what has written many times recently. The empire of the former millionaire, and now the bankrupt Alexei Khotin collapsed. In his bank "Yugra" was introduced administration in the face of the Agency for Deposit Insurance (DIA). Also, a moratorium on settlements with creditors was introduced, and the powers of the management and the main owner of Alexei Khotin were terminated. The Bank of Russia said that it will conduct a survey of the financial condition of the bank, but now it is clear to the Central Bank that most of the assets from the bank were withdrawn. The Central Bank sent an appropriate appeal to law enforcement agencies. In theory, the institution of an appropriate criminal case should soon follow. It is only in this whole situation that Kotin's close ties with the leadership of the DIA are alarming. Meanwhile, recalls how "Yugra" and Khotin "drowned".


"Dummy" in the treasury "Yugra" hid more than a year

After the introduction of the provisional administration in Yugra, the Central Bank of the Russian Federation did not skimp on the comments. "Over the past few months, we have signs that the reporting that the bank itself provides us is unreliable. We also have signs of a possible withdrawal of assets and, let's say, possible manipulation of deposits, "said Vasily Pozdyshev, deputy chairman of the Central Bank, and the Bank of Russia stated that loans of 77 billion rubles (28% of the portfolio) were recognized as" problematic "and" Hopeless. "And given the" unreliability "of reporting, the number of such loans in reality is two and a half times greater.

Problems with asset quality are not the only cause of concern for the regulator; According to Pozdyshev, since July 2016, the Bank has been working with the beneficiary of the bank (controlling shareholder - Radamant Financial AG with 52.4%, beneficiary is Alexey Khotin) as to how to capitalize the bank. But the capitalization (since the beginning of 2016 as a whole more than 50 billion rubles.) Was formal, they admit to the Central Bank, it was carried out at the expense of the bank's loans.

Well, of course, that finally these "revelations" are officially recognized by the Central Bank of Russia. Only now they were revealed more than a year ago. For example, what was revealed by the audit of Yugra by the Bank of Russia in April 2016:

    1. Distortion of financial statements on loans issued due to unreasonable attribution of a "technical" loan portfolio to a higher group in order to reduce reserves due to capital insufficiency.

2. Attempts by the bank to issue an additional issue of shares in connection with problems of maintaining the size of its own capital and compliance with mandatory standards of the Central Bank of the Russian Federation.

3. The presence among the clients of the bank of organizations included in the list of the Central Bank and RosFinMonitoring "technical" or "service" organizations, whose aggregate amount of tax paid is less than 1% of turnover on their accounts.

During the April audit it was established that the bank can now be given to the management of the DIA, and the activities of its owners to initiate criminal cases. The Central Bank of Russia found that the shortage of Ugra reserves is 18 billion rubles, that is, this amount was introduced into "technical" firms and most of these funds went to questionable operations and business projects of Khotin. And the amount of the "hole" was greatly understated. Even then it was at least 35 billion rubles.

As a result, in April, Ugra introduced a number of restrictions: on the size of interest rates, on deposit methods, etc.

Although, absolutely everything, including the Central Bank, even then knew perfectly well: "Yugra" is a soap bubble. Khotin pumped out almost all the money from his bank for his projects, and he has nothing to pay with depositors.


Nabiulinna VS patrons of Khotina

But what was always famous for Khotin? With your connections. So they are the reason that the Bank of Russia made a "pause" for a long year and four months. To resist the "roof" of Khotin had to be Elvira Nabiullina, who was always negative about this "soap bubble".

In late spring or early summer of 2016, a number of heads of the Economic Security Service of the Federal Security Service of the Russian Federation resigned, as a result of which the Khhotins lost their main "cover" in the line of the siloviki. But there were other defenders. For example, the first deputy chairman of the Bank of Russia Alexei Simanovsky (in October 2016 was removed from office). Yes, and the behavior of the head of the DIA Yuri Isaev, to put it mildly, was alarming. Just when in April 2016 the Central Bank revealed giant problems of "Yugra", Isaeva on the sidelines of the Congress of the Association of Russian Banks "breasts" rose to defend the offspring of Khotin. "We can see somewhere that we are worried, and we are legally obliged to" snitch "at the Central Bank." In this case, we saw nothing so disturbing, "Isayev said, referring to the verification of Ugra. At the same time, the bank's press-service immediately started paying these statements to Isayev in all mass media on a paid basis.

Therefore, the fact that now the DIA will be engaged in studying the real state of "Ugra" is extremely alarming. According to, now the Agency is doing everything to ensure that the withdrawal of assets does not turn into a criminal case against Alexei Khotin.

Khotin also had other high-ranking defenders. Faced with such confrontation, Nabiullina once at a seminar-meeting of "United Russia", made an accusatory speech against "Ugra" and Khotin. The name of the bank and the names of its owners did not sound, but, all knowledgeable people, understood about whom the head of the CBR says.

According to her, some lending institutions have faced problems that have been accumulating for decades: bad assets, inflated capital, financing of their owners' business, which is later covered, leading to problems for such banks.

 "You can not leave them on the market, because problems will only grow. If such a bank with holes and with the wrong credit policy of financing unprofitable projects of owners will further attract depositors and businesses, then, accordingly, more investors and businesses will suffer, therefore it is necessary to withdraw such banks on time from the market, "Nabiullina said. Then she went personally and personally about what Khotin was preparing to do when Yugra collapsed. "We have to do something with" runaway bankers "who abandoned their credit organizations and took assets abroad. The inevitability of punishment in the financial sphere is a key thing, "Nabiullina said.

As for the capitalization of Ugra, it was never a secret for the Central Bank that Alexei Khotin allowed the bank's own funds to do so. Having received instructions to increase the capital of Yugra, Khotin pretended that he was "taking a visor" and announced that it would be covered by hundreds of millions of dollars deposited with Radamant Financial AG (controlled by Khotin). However, all these deposits were the money of Ugra's depositors. In 2014, they were withdrawn from the bank under the guise of lending to OOO Novatek and a number of other firms, scrolled through promissory notes through offshore (Deneary, Usas, Hiaparel, Taldom), planted in Radamant under Type of payment of dividends, which placed them as deposits in Ugra.


How Khotin became Podlisetskiy

The Central Bank of Russia has closed its eyes to the blatant violation of the law (capitalization due to depositors' funds), but insistently demanded that Khotin nevertheless contribute something from his own funds. With great difficulty, Khotin credited with one bank ( will tell about it separately) for 2 billion rubles, which went into the capital of Ugra. After that, Khotyn felt like a "king" and decided that he could no longer pay attention to the instructions of the Central Bank of Russia and the personal discontent of Elvira Nabiullina. Bank Yugra again began accepting deposits, bypassing the ban of the Bank of Russia with a simple scheme - investors made shareholders of the bank with a microscopic number of shares ("We are not freeloaders, we are partners!"). The Central Bank's instructions did not prohibit the receipt of funds from shareholders. However, all this no longer saved us from the plight of both Ugra itself and Khotin. In April, the Central Bank limited Ugra to raising shareholders' funds with a share of less than 0.01%. As a result, for a couple of days the bank stopped issuing money, citing technical failures. A new CBA check came up, revealing a "hole" of 40 billion rubles. And to reduce it no one has. It was for this amount that Khotin was recently asked to conduct a new capitalization of the bank.

After that, it was finally clear that the bank "Yugra" will officially collapse. Having bought a lot of assets (from the Moscow hotel to the oil companies RusOil and Exillon Energy), Khotin managed not only to lay most of his facilities for loans in other banks (VTB, Alfa-Bank, Rosselkhozbank), but also almost completely "gut" his Own bank "Yugra". It was Yugra that was his main cash cow. More to take money, and even more 40 billion, nowhere. Or rather, from where: Khotin has "hidden" a lot of money abroad, and there are large assets in Russia. Only this is not for the depositors of Ugra, but for his personal welfare. Moreover, he hid all the Russian assets with prudence, rewriting them to his manager Sergei Podlisetsky.

It remains only to hope for one thing. All patrons have already turned away from the bankrupt Khotina. I want to believe that Yuri Isayev will not be an exception. And the DIA with the Central Bank will no longer be wise and shield Khotin, trying to hush the withdrawal of assets during the reorganization (according to, Yugra will be sanitized, not liquidated). And after checking the Central Bank and the interim administration, there will be a criminal investigation into the theft of at least 40 billion rubles by Khotin. And within the framework of this case, the assets "recorded" on Podlisetskiy will be seized. Until he sold them all. For example, the shopping center "Gorbushkin Dvor" has already been sold to another owner.

Source: Rucriminal