DIA begins paying insurance compensation to depositors of the credit organization Reserve Bank (JSC). DIA begins paying insurance compensation to depositors of the credit organization Reserve Bank (JSC) Who will pay reserve bank depositors
The State Corporation “Deposit Insurance Agency” (hereinafter referred to as the Agency) announces the occurrence of an insured event on August 9, 2017 in relation to credit organization BANK OF SOCIAL DEVELOPMENT “RESERVE” (JOINT STOCK COMPANY) (hereinafter referred to as BANK “RESERVE” (JSC), Chelyabinsk, registration number according to the Book of State Registration of Credit Institutions 2364, in connection with the revocation of its license to carry out banking operations based on the order of the Bank Russia dated August 9, 2017 No. OD-2240.
In accordance with Federal law dated December 23, 2003 No. 177-FZ “On deposit insurance individuals in banks Russian Federation” (hereinafter referred to as the Federal Law) depositors of BANK “RESERVE” (JSC), including those who opened deposits (accounts) in the bank for entrepreneurial activity, have the right to receive compensation for deposits (hereinafter referred to as compensation). The obligation to pay compensation is assigned by the specified Federal Law to the Agency performing the functions of the insurer.
Compensation is paid to the depositor in the amount of 100 percent of the amount of all his deposits (accounts) with the bank, including those opened for business activities, as of the date of the insured event, including interest, but in total no more than 1.4 million rubles. Interest is calculated on the date of the insured event based on the terms of each specific bank deposit (account) agreement.
For a bank deposit (account) in foreign currency, compensation is calculated in rubles at the Bank of Russia exchange rate as of August 9, 2017.
If there are counterclaims from the bank to the depositor, then when calculating compensation, their amount is deducted from the amount of deposits (accounts), while the repayment of these claims does not occur.
The amounts of deposits for which compensation was not paid will be repaid during bankruptcy proceedings (liquidation) against the bank as part of the first priority of creditors (for deposits (accounts) opened for business activities - as part of the third priority).
Acceptance of applications for payment of compensation for deposits and for inclusion of the bank’s obligations in the register of creditors’ claims (hereinafter referred to as applications for payment of compensation) and other necessary documents, as well as payment of compensation will be carried out from August 23, 2017 to August 23, 2018 through Rosselkhozbank JSC and Otkritie FC Bank PJSC, acting on behalf of the Agency and at its expense as agent banks. From August 24, 2018, acceptance of applications for payment of compensation, other necessary documents and payment of compensation will be carried out either through agent banks or by the Agency itself, which will be announced additionally.
The list of divisions of JSC Rosselkhozbank and PJSC Bank FC Otkritie, as well as their operating modes, are posted on the Agency’s official website on the Internet information and telecommunications network (hereinafter referred to as the Internet) (www.asv.org.ru, section “Deposit insurance / Insured events”). In addition, information about the list of divisions of agent banks that pay compensation and their operating hours can be obtained by depositors of BANK “RESERVE” (JSC) by calling the following hotline numbers: JSC “Rosselkhozbank” - 8-800-200-02-90, PJSC Bank “FC Otkritie” - 8-800-700-78-77, DIA - 8-800-200-08-05 (calls to all hotline numbers in Russia are free).
In accordance with the Federal Law, payment of compensation is carried out until the day of completion of bankruptcy proceedings (liquidation) in relation to the bank. If the depositor (his heir) misses the deadline for applying for payment of compensation, the deadline at the request of the depositor (his heir) may be restored in the presence of circumstances specified in Part 2 of Article 10 of the Federal Law.
Attention to depositors: each of the agent banks is authorized to pay compensation only to a certain group of depositors. The distribution of depositors of BANK “RESERVE” (JSC) among agent banks was carried out depending on the place of residence of the depositor. The distribution of depositors of BANK “RESERVE” (JSC) was carried out on the basis of information about the address of residence, submitted by them to the bank when opening a deposit (account).
To determine his agent bank, the depositor can use the table below.
Distribution of depositors of BANK “RESERVE” (JSC) by agent banks
Having thus determined his agent bank, the depositor can apply for payment of compensation to any of its divisions listed on the Agency’s official website on the Internet.
To ensure that the agent bank is correctly identified, from August 22, 2017, the depositor can use the “Find your agent bank” service on the Agency’s official website on the Internet (section “Insured events / RESERVE BANK (JSC).
Depositors of BANK “RESERVE” (JSC) can receive compensation for deposits (accounts) opened not for business activities, as in cash in cash, and by transferring funds to an account in a bank participating in the system compulsory insurance deposits specified by the depositor.
Payment of compensation for deposits (accounts) opened for business activities is made only by transferring the amount of compensation to the account specified by the depositor in a bank participating in the compulsory deposit insurance system, opened for business activities. If at the time of payment of compensation an individual entrepreneur is declared insolvent (bankrupt), such payment is made by transferring the amount of compensation to the account of the debtor used during bankruptcy proceedings. In this case, the application for payment of compensation must be accompanied by a certificate (or other document) issued by the bankruptcy trustee or the court that made the decision to declare the depositor bankrupt (if a bankruptcy trustee has not been appointed), stating that the specified account is the debtor’s account (the debtor’s main account) used in the course of bankruptcy proceedings opened against the depositor, or the debtor’s current account opened on his behalf by the bankruptcy trustee, or a court deposit account. If at the time of payment of compensation an individual entrepreneur has lost his status, payment of compensation is made both in cash and by transferring funds to a bank account specified by the depositor. In this case, the application for payment of compensation must be accompanied by a document confirming state registration of the fact of loss of the status of an individual entrepreneur.
To receive compensation, the depositor submits only a passport (identity document) to the agent bank, and also fills out an application for payment of compensation in the prescribed form. Application forms can be obtained and filled out at the departments of agent banks or copied from the Agency’s official website on the Internet (www.asv.org.ru, section “Deposit Insurance / Document Forms”).
The investor can apply for payment of compensation either personally or through his representative, whose authority must be confirmed by a notarized power of attorney (an example text of the power of attorney is posted on the Agency’s official website on the Internet: www.asv.org.ru, section “ Deposit insurance / Document forms”).
Depositors of BANK “RESERVE” (JSC) living outside the populated areas where divisions of agent banks that pay compensation are located can also send an application for payment of compensation by mail to the Agency at the address: 109240, Moscow, st. Vysotskogo, 4. In this case, payment of compensation will be carried out by bank transfer by transfer to an account in a bank - a participant in the compulsory deposit insurance system, specified by the depositor in the application for payment of compensation, or in cash by postal transfer at the place of residence of the depositor (except for compensation by deposits (accounts) opened for business activities). The signature on the application sent by mail (for compensation exceeding 3,000 rubles) must be notarized. If there is no notary in the locality, the authenticity of the depositor’s signature on the application can be certified by the head of the local administration or a specially authorized official of the local government body. When sent by mail, the application must also be accompanied by a copy of the investor’s identity document.
Depositors who, after payment of compensation, have an outstanding part of the bank's obligations on bank deposits (accounts), can receive it during bankruptcy proceedings (liquidation) in relation to the bank, subject to presenting their claims to RESERVE BANK (JSC). To do this, the depositor must fill out the appropriate section in the application for payment of compensation when contacting the agent bank department. The registration of such claims is carried out by the divisions of agent banks that pay compensation starting from August 23, 2017.
In the event of disagreements related to the amount of compensation to be paid, or the absence of information about the depositor in the register of obligations of BANK “RESERVE” (JSC) to depositors, the depositor may submit a statement of disagreement with the amount of compensation and submit it to agent banks for transmission to the Agency or independently send such an application by mail to the Agency, attaching additional documents confirming the validity of the depositor’s requirements: bank deposit (account) agreement, cash receipt order, etc.
Additional information on the procedure for paying compensation can be obtained by calling hotline Agency (8-800-200-08-05) (calls within Russia are free), as well as on the Agency’s official website on the Internet (www.asv.org.ru, section “Deposit Insurance / Insured Events”).
Document overview
It was reported that on August 9, 2017, an insured event occurred in relation to JSC BANK "RESERVE", in connection with the revocation of its license to carry out banking operations.
The obligation to pay compensation is assigned to the DIA, which performs the functions of the insurer.
Depositors have the right to receive insurance compensation for their accounts (deposits) opened with this bank. Compensation is paid in rubles in the amount of 100% of the amount of all deposits, but not more than 1.4 million rubles. In total. For a bank deposit (account) in foreign currency, compensation is calculated in rubles at the Bank of Russia exchange rate as of August 9, 2017. It can be received through JSC Rosselkhozbank and PJSC Bank FC Otkritie from August 23, 2017 to August 23, 2018.
To receive the outstanding part of the deposit (account), the depositor may submit a demand to the bank for the return of the remaining amount, which will be repaid during its liquidation.
Date: 08/22/2017
The Department of Public Relations of the state corporation “Deposit Insurance Agency” (DIA) reports that August 23, 2017 payments of insurance compensation to depositors of the credit organization BANK “RESERVE” (JSC) (Chelyabinsk) begin. The official notice about the place, time, form and procedure for accepting applications for insurance compensation is posted on the DIA website (section “Deposit Insurance/Insured Events”), and is also published on August 25, 2017 in the newspaper “Komsomolskaya Pravda in Chelyabinsk”.
Acceptance of applications for payment of compensation for deposits and other necessary documents, as well as payment of compensation are carried out through JSC Rosselkhozbank And PJSC Bank "FC Otkritie" acting on behalf of the DIA and at its expense as agent banks, from August 23, 2017 until August 23, 2018. From August 24, 2018, acceptance of applications, other necessary documents and payment of compensation will be carried out either through agent banks or the DIA independently, which will be announced additionally.
Each of the agent banks is authorized to pay compensation only to a certain group of depositors. The distribution of depositors of RESERVE BANK (JSC) among agent banks was carried out depending on the place of residence of the depositor. The distribution of depositors of RESERVE BANK (JSC) was carried out on the basis of information about the address of residence provided by them to the bank when opening a deposit (account).
Distribution of depositors of RESERVE BANK (JSC) by agent banks
Having thus determined his agent bank, the depositor can apply for payment of compensation to any of its divisions listed on the Agency’s official website on the Internet.
To ensure that the agent bank is correctly identified, the depositor can use the “Find your agent bank” service on the Agency’s official website on the Internet (section “Insured events/RESERVE BANK (JSC)”).
Depositors of RESERVE BANK (JSC) can obtain information about the list of divisions of agent banks that make compensation payments and their operating modes by calling the hotlines: JSC Rosselkhozbank – 8-800-200-02-90,PJSC Bank "FC Otkritie" – 8-800-700-78-77.
General information on the procedure for paying insurance compensation can also be obtained by calling the hotline DIA - 8-800-200-08-05.
For reference:
According to the received register of obligations of the credit institution, RESERVE BANK (JSC) is required to pay insurance compensation in the amount of about 1.3 billion rubles. About 4.3 thousand depositors can apply, including 83 depositors who have accounts (deposits) for business activities in the amount of about 6.2 million rubles.
Insurance compensation will be paid in 3 constituent entities of the Russian Federation, including Chelyabinsk region for payment of insurance compensation in the amount of about 665.8 million rubles. About 1.3 thousand investors can apply in the Sverdlovsk region in the amount of about 543.8 million rubles. About 0.9 thousand investors can apply.
Date: 08/22/2017
The State Corporation "Deposit Insurance Agency" (hereinafter referred to as the Agency) announces the occurrence of an insured event on August 9, 2017 in relation to the credit organization BANK OF SOCIAL DEVELOPMENT "RESERVE" (JOINT STOCK COMPANY) (hereinafter referred to as BANK "RESERVE" (JSC)), g Chelyabinsk, registration number according to the Book of State Registration of Credit Institutions 2364, in connection with the revocation of its license to carry out banking operations based on the order of the Bank of Russia dated August 9, 2017 No. OD-2240.
In accordance with the Federal Law of December 23, 2003 No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation” (hereinafter referred to as the Federal Law), depositors of BANK “RESERVE” (JSC), including those who opened deposits (accounts) with the bank ) to carry out business activities, have the right to receive compensation for deposits (hereinafter referred to as compensation). The obligation to pay compensation is assigned by the specified Federal Law to the Agency performing the functions of the insurer.
Compensation is paid to the investor in the amount 100 percent of the amount of all his deposits(accounts) with a bank, including those opened for business activities, on the date of the insured event, including interest, but in total no more than 1.4 million rubles. Interest is calculated on the date of the insured event based on the terms of each specific bank deposit (account) agreement.
For a bank deposit (account) in foreign currency, compensation is calculated in rubles at the Bank of Russia exchange rate as of August 9, 2017.
If there are counterclaims from the bank to the depositor, then when calculating compensation, their amount is deducted from the amount of deposits (accounts), while the repayment of these claims does not occur.
The amounts of deposits for which compensation was not paid will be repaid during bankruptcy proceedings (liquidation) against the bank as part of the first priority of creditors (for deposits (accounts) opened for business activities - as part of the third priority).
Acceptance of applications for payment of compensation for deposits and for inclusion of the bank’s obligations in the register of creditors’ claims (hereinafter referred to as applications for payment of compensation) and other necessary documents, as well as payment of compensation will be carried out with August 23, 2017 until August 23, 2018 through Rosselkhozbank JSC and Otkritie FC Bank PJSC, acting on behalf of the Agency and at its expense as agent banks. From August 24, 2018, acceptance of applications for payment of compensation, other necessary documents and payment of compensation will be carried out either through agent banks or by the Agency itself, which will be announced additionally.
The list of divisions of JSC Rosselkhozbank and PJSC Bank FC Otkritie, as well as their operating modes, are posted on the Agency’s official website on the Internet information and telecommunications network (hereinafter referred to as the Internet) (section “Deposit Insurance/Insured Events” ). In addition, depositors of BANK “RESERVE” (JSC) can obtain information about the list of divisions of agent banks that pay compensation and their operating modes by calling the following hotline numbers: JSC Rosselkhozbank – 8-800-200-02-90, PJSC Bank "FC Otkritie"– 8-800-700-78-77, DIA– 8-800-200-08-05 (calls to all hotline numbers in Russia are free).
In accordance with the Federal Law, payment of compensation is carried out until the day of completion of bankruptcy proceedings (liquidation) in relation to the bank. If the depositor (his heir) misses the deadline for applying for payment of compensation, the deadline at the request of the depositor (his heir) may be restored in the presence of circumstances specified in Part 2 of Article 10 of the Federal Law.
Attention to depositors: Each of the agent banks is authorized to pay compensation only to a certain group of depositors. Distribution by agent banks of depositors BANK "RESERVE" (JSC) carried out depending on the place of residence of the depositor. The distribution of depositors of RESERVE BANK (JSC) was carried out on the basis of information about the address of residence provided by them to the bank when opening a deposit (account).
To determine his agent bank, the depositor can use the table below.
Distribution of depositorsBANK "RESERVE" (JSC)by agent banks
Having thus determined his agent bank, the depositor can apply for payment of compensation to any of its divisions listed on the Agency’s official website on the Internet.
To ensure that the agent bank is identified correctly, from August 22, 2017 the depositor can use the “Find your agent bank” service on the Agency’s official website on the Internet (section “Insured events / RESERVE BANK (JSC)).
Depositors of BANK "RESERVE" (JSC) can receive compensation for deposits (accounts) opened not for business activities, both in cash and by transferring funds to an account in a bank participating in the compulsory deposit insurance system specified by the depositor.
Payment of compensation for deposits (accounts) opened for business activities is made only by transferring the amount of compensation to the account specified by the depositor in a bank participating in the compulsory deposit insurance system, opened for business activities. If at the time of payment of compensation an individual entrepreneur is declared insolvent (bankrupt), such payment is made by transferring the amount of compensation to the account of the debtor used during bankruptcy proceedings. In this case, the application for payment of compensation must be accompanied by a certificate (or other document) issued by the bankruptcy trustee or the court that made the decision to declare the depositor bankrupt (if a bankruptcy trustee has not been appointed), stating that the specified account is the debtor’s account (the debtor’s main account) used in the course of bankruptcy proceedings opened against the depositor, or the debtor’s current account opened on his behalf by the bankruptcy trustee, or a court deposit account. If at the time of payment of compensation an individual entrepreneur has lost his status, payment of compensation is made both in cash and by transferring funds to a bank account specified by the depositor. In this case, the application for payment of compensation must be accompanied by a document confirming state registration of the fact of loss of the status of an individual entrepreneur.
To receive compensation, the depositor submits only a passport (identity document) to the agent bank, and also fills out an application for payment of compensation in the prescribed form. Application forms can be obtained and filled out at the departments of agent banks or copied from the Agency’s official website on the Internet (section “Deposit Insurance/Document Forms”).
The depositor can apply for payment of compensation either personally or through his representative, whose authority must be confirmed by a notarized power of attorney (an example text of the power of attorney is posted on the Agency’s official website on the Internet: , section “Deposit Insurance/Document Forms”) .
Depositors of BANK "RESERVE" (JSC), living outside the settlements where the branches of agent banks are located, paying compensation, They can also send an application for payment of compensation by mail to the Agency at the address: 109240, Moscow, st. Vysotskogo, 4. In this case, payment of compensation will be carried out by bank transfer by transfer to an account in a bank - a participant in the compulsory deposit insurance system, specified by the depositor in the application for payment of compensation, or in cash by postal transfer at the place of residence of the depositor (except compensation for deposits (accounts) opened for business activities). The signature on the application sent by mail (if the compensation amount is over 3,000 rubles) must be notarized. If there is no notary in the locality, the authenticity of the depositor’s signature on the application can be certified by the head of the local administration or a specially authorized official of the local government body. When sent by mail, the application must also be accompanied by a copy of the investor’s identity document.
INtreasurerAndfor whom, after payment of compensation, part of the bank’s obligations remains outstanding by bankdeposits (accounts) , can receive it during bankruptcy proceedings (liquidation) in relation to the bank, subject to the presentation of their claims to RESERVE BANK (JSC). To do this, the depositor must fill out the appropriate section in the application for payment of compensation when contacting the agent bank department. The registration of such claims is carried out by the divisions of agent banks that pay compensation starting from August 23, 2017.
INin case of disagreement regarding sizepayable compensation, or lack of information about the depositor in the register of obligations of BANK "RESERVE" (JSC) to depositors, the depositor can submit a statement of disagreement with the amount of compensation and submit it to agent banks for transmission to the Agency, or independently send such a statement by mail to the Agency with an attachment additional documents confirming the validity of the depositor’s requirements: bank deposit (account) agreement, cash receipt order, etc.
Additional information on the procedure for paying compensation can be obtained by calling the Agency’s hotline (8-800-200-08-05) (calls within Russia are free), as well as on the Agency’s official website on the Internet, section “Deposit Insurance/Insured Events” ").