"Derbent-Credit" lost his license

Today, the Bank of Russia revoked the license of the bank "Derbent-Credit". According to the Bank, the bank lost equity because of the large shortage of cash in the till. This is the fourth this month revocation of license of the credit institution and the second - because of shortage of cash.

Bank of Russia's decision to revoke the license for banking operations at "Derbent-Credit" was taken on November 26 in connection with non-bank federal laws and regulations of the Central Bank, the capital adequacy below 2%, with a reduction in the equity is below the minimum value.

Meanwhile, according to the statement of the Bank on November 1, posted on the website of the Central Bank, its capital amounted to almost 202 million rubles., While the capital adequacy ratio (N1) exceeded 400%. Last year the bank was part of a group of credit institutions, which was necessary to increase the amount of equity in relation to the new requirements of the Bank of Russia. Thus, from 1 January 2012, this figure rose to 190 million rubles. Thanks to the introduction of the share capital (110 million rubles.) Bank complied with the Central Bank. In this case, as in 2011, and in 2012 most of the assets were placed on hand (as of 1 November - more than 265 million rubles.). Hence the enormous value of the norm of H1.

However, as it informs the Bank of Russia, during the inspection of the bank "Derbent-Credit" was established major shortage of cash in the office of the head office of the credit institution. What volume - Central Bank does not report. But this "has led to a complete loss of the bank's own funds (capital)," the report says the Central Bank. That is, in fact, this means that the cashier missed about 200 million rubles., Which corresponds to the change of capital adequacy.

In the bank appointed interim administration, and the powers of the executive bodies of the credit administration suspended. Bank "Derbent-Credit" is a party to the deposit insurance system. As of November 1, the amount of individuals' accounts amounted to about 50 million rubles. This is the second time this month, when the Bank of Russia revokes license for banking operations because of the large shortage of money in the till. November 12 licenses lost NGO "Urban Settlement Center."

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