Alfa Bank license number. Review: Alfa Bank license revocation

Alfa-Bank, a fairly well-known and popular bank in Russia, recently suffered from fraudsters. The fact is that the bank’s clients began to receive emails en masse from unknown senders; the correspondence stated that Alfa-Bank was experiencing serious financial difficulties and could even go bankrupt in the near future.

A criminal case has already been opened into the fraud and an investigation is underway. Law enforcement agencies, together with the bank's security service, are making every effort to identify the customer of this fraud.

The letter stated that Alfa-Bank was going through hard times and was experiencing an acute shortage of liquidity. In this regard, there is a cash shortage in many regional branches of the bank. This situation forces the bank to cease operations and close most of its branches.

Could Alfa Bank go bankrupt in 2017? This is a very interesting and exciting question. Let's try to figure it out in order to remove all doubts from the country's reputable bank!

It is worth noting that it is not known exactly which clients received these letters; at least the press service of Alfa-Bank is in no hurry to disclose this information, citing the fact that investigative measures are being carried out. Therefore, it is quite possible that such letters were received not only by private clients, but also by representatives of enterprises and companies that store money in this bank. The issue of personal data leakage also arises, namely how personal information about clients could end up in the hands of attackers.

Alfa-Bank is reliable!

So, in a telephone conversation with Ruslan Murzabekov, the official representative of the Chelyabinsk branch of Alfa-Bank, it became clear that the scammers’ letters had nevertheless reached some representatives of large enterprises and companies. Thus, according to him, corporate clients began to show concern, which began to manifest themselves in visiting the bank in order to clarify the real situation. However, according to Ruslan Murzabekov, the peak of visits to determine the veracity of the information contained in the letter has already passed and there is no need to worry about a decrease or loss of the client base. In his opinion, the reason for the machinations of the attackers is banal envy, because Alfa Group is one of the strongest banking players in Russia. It is quite logical that such a situation can cause anger and envy in someone.

Alfa Bank, like other leading banks in the country, such as Sberbank, VTB, Ak Bars Bank and others, is a guarantor of your success!

As for further success in the investigation of the case brought against fraudsters, not everything is so simple. According to Viktor Glushakov, a lawyer at the law firm Kovalev, Ryazantsev and Partners, it is very difficult to investigate such cases. The whole problem is that the scammers thought out all the details of this scam as competently as possible. Therefore, it will be extremely difficult to find them, especially the customer. Because it’s easy to disappear on the Internet and depersonalize yourself. In addition, the lawyer had questions for the bank’s security service, namely, how they could allow such a massive information leak. Viktor Glushakov states that this case is one of the most confusing and strange in the entire history of his career. Nevertheless, the investigation is ongoing, and it is possible that it will still be possible to get to the bottom of the truth.

Total found: 12

LSZ0012828 15294N indefinitely

ACTIVITIES FOR TECHNICAL PROTECTION OF CONFIDENTIAL INFORMATION

LSZ0013365 14142N indefinitely

DEVELOPMENT, PRODUCTION, DISTRIBUTION OF ENCRYPTION (CRYPTOGRAPHIC) TOOLS, INFORMATION SYSTEMS AND TELECOMMUNICATION SYSTEMS PROTECTED USING ENCRYPTION (CRYPTOGRAPHIC) TOOLS, PERFORMANCE OF WORKS, PROVISION OF SERVICES IN THE AREA STI OF INFORMATION ENCRYPTION, MAINTENANCE OF ENCRYPTION (CRYPTOGRAPHIC) MEANS, INFORMATION SYSTEMS AND TELECOMMUNICATION SYSTEMS, PROTECTED USING ENCRYPTION (CRYPTOGRAPHIC) MEANS (EXCEPT IN THE CASE IF THE MAINTENANCE OF ENCRYPTION (CRYPTOGRAPHIC) MEANS, INFORMATION SYSTEMS AND TELECOMMUNICATION SYSTEMS PROTECTED USING ENCRYPTION (CRYPTOGRAPHIC) MEANS, IMPLEMENTED TO PROVIDE THE OWN NEEDS OF A LEGAL ENTITY OR INDIVIDUAL ENTREPRENEUR)

ACTIVITY OF SPECIALIZED DEPOSITORIES OF INVESTMENT FUNDS, MUTUAL INVESTMENT FUNDS AND NON-STATE PENSION FUNDS

IMPLEMENTATION BANK. OPERATIONS (WITH FUNDS IN RUBLES AND OTHER CURRENCIES), THE RIGHT TO CARRY OUT WHICH IS GRANTED BY THE GENERAL LICENSE: - ATTRACTION OF MONEY OF INDIVIDUALS AND LEGAL ENTITIES INTO DEPOSITS (ON DEMAND AND FOR A CERTAIN PERIOD), - PLACEMENT OF PRIVATE DEPOSITS TREATED IN CONTRIBUTIONS (UP TO DEMAND AND FOR A CERTAIN DURATION TERM) OF MONEY FOR INDIVIDUALS AND LEGAL ENTITIES ON THEIR OWN NAME AND AT THEIR OWN ACCOUNT, - OPENING AND MAINTAINING A BANK. ACCOUNTS OF INDIVIDUALS AND LEGAL ENTITIES, - TRANSFERS OF MONEY ON ORDER OF INDIVIDUALS AND LEGAL ENTITIES, INCLUDING AUTHORIZED CORRESPONDENT BANKS AND FOREIGN BANKS, ACCORDING TO THEIR BANK ACCOUNTS CIA MONEY. FUNDS, BILLS, PAYMENT AND SETTLEMENT DOCUMENTS AND CASH SERVICES FOR INDIVIDUALS AND LEGAL ENTITIES, - INTERNATIONAL PURCHASE AND SALE. CURRENCIES IN CASH AND NON-CASH FORMS, - ISSUED BY THE BANK. GUARANTEES, - MONEY TRANSFERS. FUNDS WITHOUT OPENING A BANK. ACCOUNTS, INCLUDING ELECTRONIC MONEY. FUNDS (EXCEPT POSTAL TRANSFERS)

The purge of the banking sector has reached the largest banks, and the reorganization of FC Otkritie, B&N Bank and Promsvyazbank is just the beginning.

With the arrival of Elvira Nabiullina in 2013, the Central Bank began cleaning up the banking sector. Since then, 358 banks have lost their licenses. But the regulator approached large banks only this year.

In July, the Central Bank revoked the license of Yugra Bank - this became the largest insurance event in the history of the Russian banking sector: the Deposit Insurance Agency (DIA) paid 172.1 billion rubles to Yugra depositors. Previously, banks of this size (Yugra was the 31st largest in terms of assets) were not deprived of licenses by the Central Bank.

At the same time, the Banking Sector Consolidation Fund started working - the Central Bank created it to deal with the rehabilitation of banks itself - without the participation of the DIA and private investors. The old resolution mechanism had too many shortcomings, explains S&P analyst Roman Rybalkin. Investors could not join the bank being rehabilitated due to a lack of capital, which complicated the process, and the possibility of not complying with the standards created a temptation to use the preferential DIA loans allocated for reorganization for their own purposes rather than for the recovery of patients, and to transfer bad assets to the balance sheet of the bank being rehabilitated. In addition, the fall in market rates required the allocation of more and more funds for the rehabilitation of banks: the holes were patched with the profit received from the difference between the preferential DIA rate and the market rate.

The regulator got down to business almost immediately. At the end of August, he took FC Otkritie for rehabilitation. A few more weeks later, Binbank went to the Consolidation Fund. Promsvyazbank suffered the same fate in December.

All of them were among the largest private banks in the country. FC Otkritie was seventh in terms of assets (hereinafter data according to Interfax-CEA as of June 30), Promsvyazbank closed the top ten largest, Binbank was 12th and, although not included in the list of systemically important banks, de facto was one . In fact, there are only two non-state banks left in the top ten largest: Alfa Bank and Moscow Credit Bank, which received unprecedented support from Rosneft.

All three - FC Otkritie, Binbank and Promsvyazbank - were essentially let down by one thing (although the time they got into the fund was determined primarily by liquidity): problem assets that had been growing for years, and a lack of capital.

The solution to the accumulated problems of the sector will clearly not end with the reorganization of three large banks, the head of the ACRA bank ratings group, Kirill Lukashuk, is sure. The key problems of the banking sector remain low asset quality and insufficient reserves, he points out: banks have begun to solve these problems, but it is not yet possible to say that the trend has been reversed. There are still players on the market with an unstable financial position, these are banks of very different sizes - it is obvious that the recovery of the sector will continue, says Lukashuk.

The revocation of licenses from banks will continue for another 2-3 years, Nabiullina said this week: “The recovery policy will continue,” she promised. “After this, we would like to move to a situation where cases of recall and reorganization will be simply isolated, exceptional” (quote from TASS).

How banks will survive 2018-2019 will depend on the economic situation, although the Central Bank will obviously continue to address the problems of unstable players in a targeted manner, Lukashuk argues: the state and private business need to recapitalize banks - the need for capital remains.

It is difficult to say how justified the entry of the state represented by the Central Bank into the banking sector is, says the former first deputy chairman of the Central Bank and ex-chairman of the board of directors of B&N Bank Oleg Vyugin, due to two economic crises, private banks lost heavily to public banks, as a result - bankruptcies of small and medium-sized banks, and then the forced reorganization of major players. But there are another 30-50 banks on the market, where the situation is also tense: “We will soon see what will happen to them. But in the short term, the state will definitely not leave the banking sector.”

Alas, not a single bank in the Russian Federation is insured against license revocation. Moreover, such parameters as “size” are not important, but rather reliability for the Central Bank. Soon it will be the turn of the largest commercial JSC Alfa Bank.

What are the causes of instability:

1) Loss of depositors and clients.

Every day more and more.

2) Lack of “transparency” of the lending activity scheme.

3) The policy of the main owner Fridman, who supports the power of Ukraine and the alleged “injustice” of the annexation of Crimea.

Who should be afraid:

First of all, bank depositors who have more than 1.4 million rubles. on the account, since upon closing it will definitely not be possible to return more than the amount.

Secondly, employees will suffer because it will not be so easy for them to find work after layoffs.

Thirdly, those who pay a consumer loan, mortgage, or other will have to pay to another bank. It’s just not known exactly when.

This is not the entire list of possible pitfalls; the owners of shares in this organization lose even more...

On the positive side:

2+The company participates in many government projects, sponsoring football championships.

I would argue about charity, since the bank makes donations from the wallets of its clients, not to mention paid corporate events for its own hard workers.

Briefly about the bank, it is definitely worth adding that it opened in 1990 and is the seventh bank in our country in terms of assets. And every year the number of employees decreases noticeably. The reason is the so-called cost optimization, the introduction of robots, as in other commercial banks.

Already on the official website on VKontakte you can take part in a competition for the best idea and feasibility of application in the field of robotics. This is roughly what it sounds like in the position “Who else can be replaced by a robot?” , or “What else can a robot do?”

And it’s clear that robots are taking away our jobs, stability, everything. If this continues, and some kind of failure occurs in their program (anything can happen), then the company will suffer colossal losses and will be forced to say goodbye to everyone.

Despite all of the above, the bank is working, although it is not known how long it will last - five years, two years, one year or only a few months.

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