How to return the Platinum Bank deposit: all ways. Last vacuum cleaner. Why the scandalous Platinum Bank was closed Platinum Bank where to get a deposit

Cyprus offshore PT Platinum Public Ltd has filed a lawsuit with the Kyiv Economic Court against its subsidiary Platinum Bank and MTS Ukraine (Vodafone). He demanded to invalidate the agreement between the Ukrainian bank and the mobile operator. The court set the hearing for October 6. Details of the lawsuit are not yet publicly available.

Platinum is ready to comment on the circumstances of the dispute only if there is a decision that has entered into force, according to the PR-Service agency that serves the bank. This is about old history- a deposit agreement between MTS and Platinum in the amount of UAH 250 million, which the bank cannot return to the depositor.

background

MTS Ukraine in October-December 2014 placed three deposits with Platinum Bank - for UAH 100 million, UAH 70 million and UAH 80 million. After the expiration of the term - in July and September of the following year - it was not possible to return them, and the depositor sued the bank. On December 24, 2015, the Kyiv Economic Court took the side of the operator. On February 16, 2016, the consideration of the case in the court of appeal was terminated at the initiative of the bank itself.

A little later, Platinum asked for a payment delay until the end of October. But the court cut it in half and set a new deadline: Platinum had to return the money to the Platinum operator by July 14. The bank again decided to challenge the decision of the first instance. He managed to resume the deadline for filing an appeal, now the case is in court.

I twist and turn

It follows from the new application to the court: the plaintiff (an offshore company whose shareholder is still businessman Hryhoriy Gurtovoy) learned the court decision to recover UAH 250 million from Platinum Bank only in April from the court register.

In its lawsuit, PT Platinum Public insists that the deposit agreement is invalid. According to the shareholder, the bank's board allegedly exceeded its powers by signing the agreement. According to PT Platinum Public, transactions exceeding 25% of the bank's assets must be approved at a shareholders' meeting. Moreover, as the shareholder writes in the lawsuit, questions submitted by the Supervisory Board are considered at this meeting. The Supervisory Board's competence includes consideration of transactions, the value of which is from 10 to 25% of the bank's assets, according to the latest financial statements.

Thus, explains PT Platinum Public, the board could independently decide on transactions that do not exceed 10% of assets. It is noteworthy that, according to the bank's financial statements for the third quarter of 2014, just before the deal with MTS, the size of all its assets amounted to UAH 5.7 billion. And the board, in theory, could independently decide on agreements up to UAH 570 million. This is less than the mobile operator's deposit, even taking into account interest payments (+50 million UAH).

PT Platinum Public sees it differently. Thus, the shareholder of the bank took as the basis for calculations not the value of assets, but the indicator of the authorized capital - UAH 817 million. Then the amount of the transaction under the agreement with MTS is almost a third of the authorized capital, which means that the board did not have the right to sign it, PT Platinum concludes.

The same reasoning was used by Platinum Bank itself when in June it filed an appeal against the decision of the court of first instance, which at the end of 2015 ordered MTS Ukraine to pay off the debt. Now it is being considered in court in parallel.

MTS Ukraine lawyers believe that the financial institution is deliberately delaying the return of deposit funds. “The bank has been holding them illegally for almost a year,” the company notes. In the summer, the mobile operator demanded that the bank also pay a penalty for the penalty arising under the contract - UAH 90 million. The court then decided to wait for the verdict on the main claim.

Conditionally problematic

At the end of May, the mobile operator filed a separate lawsuit against the National Bank demanding that Platinum be recognized as a problem bank, since it is unable to pay off the deposit. MTS says there is no solution yet.

Are there other reasons for this? In August, it became known about the plans of Boris Kaufman to officially become a shareholder of the bank and pour into it authorized capital UAH 120 million The amount of non-refundable financial assistance to the institution in 2016-2018 should exceed UAH 240 million, the shareholder's claim also says.

The bank actively attracts depositors and spends a lot on advertising its services (UAH 19 million in the first half of the year). At the beginning of the year, he offered to place hryvnia deposits at 27% per annum. Now the rates have dropped to 21% per annum, but it is still higher than the market average - 16-20% per annum.

High rates help - the volume of Platinum deposits in the first half of the year increased by UAH 657 million, says Oleksandr Parashchiy, head of the analytical department at Concorde Capital. The bank is in the top 5 banks in terms of inflow of funds from the population.

Attracting deposits is an important factor that allowed the bank to stay afloat in the first half of the year, the analyst believes. There is also a downside. Now the bank has to pay more on the issued deposits than the bank earns on loans. “He spent UAH 221 million to cover the difference between received and paid interest in the first half of the year,” notes Parashchiy.

Is Platinum able to pay off other depositors? According to the bank's statements at the beginning of the year, the liquidity gap was UAH 1.3 billion. Paraschy assumes that the gap has grown, since in the first half of the year the funds in the bank decreased by UAH 176 million. “In general, it does not seem that the bank has the ability to repay a large deposit,” the analyst notes. The situation with MTS Ukraine confirms this.

Based on the decision of the Board of the National Bank of Ukraine dated January 10, 2017 No. 14-rsh / BT "On classifying the Public Joint Stock Company "Platinum Bank" as insolvent" by the executive directorate of the Deposit Guarantee Fund individuals decision dated January 11, 2017 No. 85 “On the introduction of a temporary administration in Platinum Bank PJSC and the delegation of powers of a temporary bank administrator” was adopted.

According to the NBU, 97% of all depositors of Platinum Bank PJSC will receive their deposits in in full, because their size does not exceed the amount of UAH 200 thousand guaranteed by the Fund for Guaranteeing Deposits of Individuals. Clients with a larger volume of deposits will receive them within the amount guaranteed by the DGF. In general, the Fund will ensure the payment of a guaranteed amount of deposits in the amount of about UAH 4.8 billion, that is, your money will definitely be returned.

In order to comply with the mandatory norms for the bank's recapitalization, PJSC "Platinum Bank" submitted a restructuring plan to the National Bank, which provided for the adoption of the necessary measures to meet the requirements for additional capitalization. In particular, during 2016, the management and owners of significant participation contributed more than UAH 323 million to the bank's capital.

For more than 10 years, the bank's team has been actively working to ensure compliance economic indicators NBU requirements, and Platinum Bank has always been a reliable partner for its depositors and clients. To ensure territorial accessibility in different regions of Ukraine, we have constantly developed a regional network of branches and points of sale. Combining our unique business model with our growth strategy, we have repeatedly ranked among the leaders in the consumer finance segment.

According to the decision of the NBU, the procedure for the withdrawal of PUBLIC JOINT STOCK COMPANY "Platinum Bank" from the market has begun by introducing a temporary administration in it for one month from January 11, 2017 to February 10, 2017 inclusive, an authorized person of the Fund has been appointed and all powers of the temporary administrator of PJSC "PLATINUM BANK" have been delegated , defined by Articles 37-39 of the Law of Ukraine "On the system of guaranteeing deposits of individuals", to the leading specialist in the settlement of insolvency of banks of the department for the implementation of the procedure for the provisional administration and liquidation of the department for the settlement of insolvency of banks Irklienko Yuriy Petrovich for one month from January 11, 2017 to February 10, 2017 inclusive.

Details of PJSC "Platinum Bank" EDRPOU code 33308489, MFO 380388, location: st. Amosov, 12, Kyiv, 03680.

The time and procedure for payments to depositors of PJSC "Platinum Bank" will be additionally reported on the official website of the Fund ─ www.fg.gov.ua, on the website of PJSC "Platinum Bank" ─ www..

Reference information by phone:

"Hot line for guaranteeing deposits of individuals": 0800 308-108 (free of charge from stationary and mobile phones within Ukraine)

PJSC "Platinum Bank": 0800 308 308 (calls from fixed phones within Ukraine are free) or from mobile phones ─ 3080 (according to the tariffs of your operator).

Many depositors of bankrupt banks whose accounts and deposits have funds in excess of the guaranteed amount, and it now amounts to 200,000 hryvnia, are puzzled by the question - "How to get the amount of a deposit or deposit in excess of the guaranteed 200,000 hryvnia?"

Today, the Deposit Guarantee Fund for Platinum Bank depositors has provided such an opportunity and published information on legal methods and actions to receive money in excess of the guaranteed amount.

We want to say that this kind of information is published by the Deposit Guarantee Fund for the first time for the category of clients of one selected bank, as a rule, this information is posted on the website of the guarantee fund and about 30% of depositors of Platinum Bank, and other banks, do not know about such opportunities. By the way, everything that is written below also applies to the rights of depositors of other bankrupt banks.

What is written in the law that makes it possible to receive deposits of 200,000+?

According to the law on the Deposit Guarantee Fund, it is prescribed that the depositor has the right to demand from the fund the payment of an amount that exceeds the amount guaranteed by the fund. The depositor of a bankrupt bank can set these requirements at a certain time and in a certain format. The time for submitting a claim is limited to 30 days from the date of the official announcement of the beginning of the liquidation of a bankrupt bank. Here is the beginning of the process of liquidation of Platinum Bank marked by the date of March 01, 2017. Exactly from this date, depositors can apply to Platinum Bank and demand payment of an amount over UAH 200,000.

A depositor of a bankrupt bank can present his claims by submitting an application called - "Statement of claims of creditors of a bank that is being liquidated." An example of this application can be found here -

Of course, payments to you will not be made immediately, but in turn. First, the guaranteed amounts are paid to depositors, then the bank settles with the guarantee fund, then the bank proceeds with the process of selling the bank’s property, and only then will they pay money in excess of the guaranteed amounts to those who submitted the application through the sale of the bank’s property.

Where can Platinum Bank depositors apply?

The Deposit Guarantee Fund provided an opportunity for Platinum Bank depositors to submit an Application for Claims of Creditors of a bank that is being liquidated to a certain list of branches, which we will provide in the table below. We remind you that applications from Platinum Bank depositors for deposits and deposits over the guaranteed UAH 200,000 will be accepted from March 01, 2017 to March 31, 2017.

Corporate depositors remain hopeful of getting back their deposits at Platinum Bank, which has recently gone into temporary administration. The state-owned enterprise UkSATSE has been the most active lately.

‘The enterprise has sent letters to the National Bank, the Deposit Guarantee Fund of Individuals and the temporary administrator of the bank with a request to ensure the fulfillment by PJSC ‘Platinum Bank’ of its obligations to UkSATSE that arose before the introduction of a temporary administration in it,’ the press service of UkSATSE reported.

They did not specify the amount of funds lost in the bank, although the media previously flashed a figure of 90 million hryvnia.

In order to get his own back, the depositor even began to get involved in the process of finding investors for the unfortunate bank. 'The company sent requests to banking institutions with a request to consider the possibility of participating in the DGF competition to search for pre-qualified persons who are interested in being involved in the withdrawal of an insolvent bank from the market and to include in the list of obligations UkSATSE's funds, which are kept on current accounts with OJSC 'Platinum Bank' ', - said the press service of UkSATSE.

According to rumors, the activity of the state-owned enterprise was caused by an internal investigation of the Ministry of Transport, where they still have not found out who is personally to blame for the fact that UkSATSE's multi-million dollar deposit remained in the bank, the possible closure of which the entire financial market has been talking about for more than a year. Although officially the fact of an official investigation is not confirmed, but unofficially, officials admit that they are actively ‘looking for extreme ones’.

However, this is unlikely to help return the money. According to information that has not yet been confirmed, there is indeed an interest in Platinum Bank's assets. However, investors have not yet decided to ‘bail’ the bank itself, and they are only talking about buying part of the loan portfolio of the problem bank. The financial circles are actively discussing the rumor that structures close to Serhiy Tigipko's Taskcombank will outbid Platinum's loan portfolio in the amount of UAH 2 billion. And they have even hired some of the former employees of this financial institution to work with these loans.

Also, Credit Dnepr Bank was interested in the assets of Platinum Bank, however, it is not yet clear how much of the portfolio it can get, and whether it will even be able to negotiate with the Deposit Guarantee Fund for individuals. Officials have so far refrained from commenting, referring to the timing of the competition.

‘The deadline for the submission of bids by potential investors to withdraw Platinum Bank from the market ended on February 6th. They will be considered until February 9, ”UBR.ua noted in the press service of the DGF.

They only confirmed that two potential investors received access to Platinum Bank's information. But they did not specify in what form they will be able to work with the assets of the financial institution if the Fund concludes agreements with them.

Unofficially, the DGF noted that such cooperation with investors would not allow corporate investors, such as UkSATSE, to return even part of their deposits.

Lawyers also say they have no chance of recovering what they have lost.

‘According to the current legislation, legal entities are seventh in line for reimbursement of their losses in a bank with temporary administration. At the moment, there was not a single bank in Ukraine whose corporate clients got to such a queue, with the exception of very small banks that were withdrawn from the market in connection with accusations of money laundering. Usually liquidated banks ran out of assets after satisfying the requirements of the National Bank and the state budget,” Rostyslav Kravets, senior partner at the law firm Kravets and Partners, told UBR.ua.

He refuted the prevailing version that a legal entity can be 'unfrozen' a deposit in a troubled bank for tax payments.

‘If an enterprise, even before the introduction of temporary administration in an insolvent bank, left there payment order for a budgetary payment that has not been made, it is possible, with the help of petitions or lawsuits, to achieve only the non-application of fines to the company. That is, the State Fiscal Service will not count fines for late payment of taxes. Only now the taxes themselves cannot be 'pulled out' from a problem bank, they will have to be paid from accounts in a working bank, 'Kravets noted.

The fact that UkSATSE is a state enterprise will not help him get his money back, lawyers are sure.

'Unfortunately, the status of a state-owned enterprise will in no way affect the fact that since the decision of the NBU to revoke a banking license and liquidate Platinum Bank, a legal entity whose money is placed on bank accounts has no choice but to apply for recognition his creditor. Submission of the above application will allow the company to become only in the 7th queue of accepted creditors of the bank. Which, in fact, in today's economic realities, actually nullifies all the chances of a legal entity to return its funds, ”Vytaliy Tymchuk, a lawyer for Gramatsky and Partners Law Firm, assured UBR.ua.

At the same time, enterprises will not be able to count on concessions.

‘The worst thing for legal entities who hastily decided to become an accepted creditor of the bank, there is a very tangible risk of waiting for years for the completion of the liquidation of the bank and not having the rights provided for tax code Ukraine, to use its own funds as a bad debt for the purpose of subsequent write-off of such funds and adjustment of the financial result’, summed up Tymchuk.

Platinum Bank was considered one of the leading banks in Ukraine for several years, but since 2014 the situation began to change, and in 2016 it reached its peak. At the beginning of January 2017, the financial institution was included in the category of insolvent, although in 2012 it was among the ten most reliable and top 30 leading banks in the country. The situation with deposits is rather uncertain, since the final fate of the bank and its further policy are still unknown.

Status of Platinum Bank in the financial market at the beginning of 2017

In early January 2017, the press service of the National Bank of Ukraine announced that back in June 2016, the optimal amount of additional capitalization for Platinum Bank was approved, and the financial institution had already submitted a report on the implementation of the restructuring plan. But to date, the bank has not been able to achieve a positive capital value and on January 11, 2017 was declared insolvent. The management promises to pay deposits to most clients, but only in the amount of guaranteed deposits (the amount is determined by the Deposit Guarantee Fund for Individuals, which also insures). For a softer withdrawal of the financial institution from the market until February 10, the bank will be managed by a temporary administration. It is often possible to work in the format only if additional investments are attracted. Often this can be done only if you take a loan from a bank. When choosing a financial partner, it is important to carefully evaluate its potential and customer reviews.

Many branches of Platinum Bank in the Crimea, some southern regions of Ukraine are closed. Those who pay loans to the organization (their most already sold to other banks, including Russian ones) and does not live on the territory of Ukraine, you should consult a competent lawyer, do not rush with payments, since the issue of debt recovery for this category of clients has not yet been resolved at the legislative level.

Advice: if the loan is redeemed by a Russian bank, you should not rush with payments. In order not to overpay and insure yourself against fraud, it is better to wait for a bank lawsuit in court and already there to demand a reduction in the amount of the penalty, guided by Art. 333 of the Civil Code of the Russian Federation.

Deposits and interest rates in Platinum Bank

Since January 19, 2017, the operational activities of Platinum Bank have been restored. But only some operations can be carried out in branches: repay a loan, an overdraft through cash deposit, submit documents on debit transactions of individuals and legal entities (but only within the amounts transferred to accounts during the period of the temporary administration - from January 12). You can't get it from this organization.

At the moment, Platinum Bank is still functioning, and the following information is posted on the official website about the possibility of making a deposit in dollars: “Cash every month” (8.5-9.5% depending on the term, and for deposits with the possibility of early repayment - 6.5-8%).

Since it is not known whether this organization will continue financial activities, economic experts cannot say anything definite about Platinum Bank's interest rates in 2017. In 2016, they were abnormally high - 22-24%, with an average of 16.9%. On January 5, 2017, the organization approved the following terms of service for deposit programs for individuals, under which the registration of new deposits is suspended:

• String (6.5-8% for dollar currency, 5.5-7% for euro, depending on the term, but from 11/20/2015 new deposits are not issued, and it is possible to extend the storage period for deposits issued before this date);
• Currency exchange (8% with a minimum deposit amount of 50 USD, but from 01.12.2016 it will not be possible to issue a new deposit);
• Dynamic (5%, 3%, can be issued only in hryvnia currency).

The following deposits are currently active:

1. Acquaintance (term - up to 14 days, 6% for dollar currency).
2. Desired increase (from 3 to 18 months at 7.5-9.5% for $ and at 6.5-8% for €).
3. Currency deposit certificate (6-12 months at 8.5-10% for foreign currency).
4. Free money (3-18 months at 3-8.8% in foreign currency).

Residents of Crimea will be able to receive a refund of their deposits at any branch of the agent bank. To do this, it is worth considering such types of deposits as Ordinary Miracle, Lucky Coin (with interest rates of 9.5 and 9.8%, respectively). The deposits Fulfillment of Desires + (at 8.3%), Pension (6%), Active Account (5.8%) are also convenient and reliable. Their safety is guaranteed by the Deposit Insurance System. With income from deposits, it’s really possible to give development: to do agriculture, manufacture of author's cosmetics, souvenirs, organize tourist tours.

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To remain a successful bank among a huge number of professionals, it is necessary to be not only the best, but also a more forward-looking, far-sighted organization. Each company chooses individual guidelines for itself, adapting foreign and domestic developments in strategic management. But due to current mistakes and shortcomings, this does not always bring success, as in the case of Platinum Bank's activities. At the moment, open a deposit, albeit at a profitable interest rate, it is dangerous in this institution, and in the case of some programs from the bank it is impossible due to its withdrawal from the market in 2017. The return of deposits to customers will be carried out by the Deposit Guarantee Fund for individuals.

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