The force took the decision Artemovsk City Court (Sverdlovsk region), which granted civil claims of JSC "Rosselkhozbank" to "Agricultural LLC" Artemovskii "and its owner Sarkis Eyriyanu on recovery of overdue loans in the total amount of 24.7 million rubles., And arrest collateral (the production company equipment used in the manufacturing process for growing broiler chickens).

Eyriyan repeatedly challenged the court decisions in favor of the RAB, but Themis invariably found on the side of a credit institution ... Meanwhile, the leadership of the Agricultural Bank squandering public money and engaged in raiding. In the Voronezh branch of Russian Agricultural Bank (Rosselkhozbank), loans almost all the major agricultural projects in the region, changing the second director in less than a year - the position after seven months of operation leaves Alexei Bykov.

The reasons for his departure Rosselkhozbank not explain. Colleagues of Mr Bykov say that his tough style of work with debtors "not fit" in the bank's policy. But the largest regional borrowers and regional authorities do not find flaws in his work. Do not find defects in the fired banker and independent observers. The reason for the suspension Alexey Bykov, in their opinion, is its professional integrity. He simply did not accept the long-standing vicious RAB system of work, which the bank is saturated through and through!

"Washout" bank

Agricultural Bank for a long time shows the enormous losses. As follows from the statements of the Russian Agricultural Bank's RAS January 1, 2016, its net loss for 2015 amounted to 72.6 billion rubles. This is a record for him in 2008. By the way, a year ago RAB also showed losses. In particular, during 2014 Rosselkhozbank loss was 7.5 billion rubles. Experts are wary of such a significant increase in RAB losses in just one year. And this despite the fact that Russia is antisanktsy policy, closing their borders to European products and helping domestic producers.

It would seem that the Russian agricultural market must be on the rise, and Rosselkhozbank should show a profit, but instead a continuous losses recorded in the financial statements of the bank.

"Our debts serious"?

Russian Agricultural Bank (Rosselkhozbank) "overgrown" problem debts. As it turned out, the volume of bad debts in its corporate portfolio under RAS increased during the year to 165.8 billion rubles. up to 226.2 billion rubles. delinquency rate - from 13.4 to 14.9%. According to Moody`s estimated for mid-2015 the portfolio of problem loans was reserved only slightly more than a third. According to the bank statements cover overdue loans by provisions amounted to 87%, on 1 December 2015 - 66%, as of 1 January 2016 - 78%. For comparison - the Savings Bank, this ratio was 190% at 1 January 2016.

The state will help us?

It would seem, chairman of Rosselkhozbank Dmitry Patrushev must make every effort to save the financial institution entrusted to him, but instead continues to Rosselkhozbank corny "pull" money from the state. For example, in May 2015 the Russian government signed a decree on additional capitalization of Rosselkhozbank by 10 billion rubles. The money helped the bank to compensate for losses accumulated since the beginning of 2015, in the amount of 9.2 billion rubles.

Thus at the time the petition an additional 35 billion rubles., In the Agricultural Bank of 1.4 trillion rubles. total portfolio 429 billion rubles. (31%) were non-performing loans, as well as on those loans, the quality of which is questionable. A year earlier, the situation in the Agricultural Bank was not much better. The fact is that in 2014, RAB has received from the state 30 billion rubles .: 5 billion due to the additional issue and 25 billion due to the conversion of the subordinated loan VEBa. This has helped the bank to create reserves to 56 billion rubles. And the bank's capital was reduced to 198 billion rubles.

It turns out that Dmitry Patrushev solves problems managed them to the bank at the expense of subsidies from the budget. In fact, the Agricultural Bank has become a "financial sponger".

Patrushev

The experts have a lot of questions and to Dmitry Patrushev, who led the Agricultural Bank in 2010 (at age 33). As it turned out, Dmitry Patrushev had to unlearn in four high schools: the Graduate School of the Federal Security Service, the State University of Management, the Diplomatic Academy and the St. Petersburg University of Economics and Finance. The experts do not understand how he had the time to study at four universities and at the same time be Vice-President of VTB, in which he worked before moving to the Agricultural Bank.

By the way, before the arrival of Dmitry Patrushev checking the prosecutor's office was held in the Agricultural Bank. Following his arrival Bank left many top managers, including the members of the Board of Directors (at the time) the Minister of Agriculture Yelena Skrynnik and deputy chairman Arkady Kulik - the son of former Prime Minister Deputy Prime Minister for Agriculture Gennady Kulik. According to experts, the fact that the Agricultural Bank helps "Patrushev family business", says that the head of Rosselkhozbank be suspected of abuse of office.

Bank-invader

It is worth noting that the Agricultural Bank prefers to take the debtor's assets intact holdings that clearly unites the bank with regular raiders. As a rule, Rosselkhozbank starts its bankrupt debtors, not going to meet them, and creating additional problems with loan repayment. However, the agricultural holding Antipina started having problems with Rosselkhozbank. In particular, "Rosselkhozbank" suddenly refused "Emerald country" in a previously promised "short" credits for planting, without which no cost, virtually no agricultural enterprise.

Antipin could do without these loans, but decided to purchase new equipment. But this time, the bankers refused to credits, and even demanded early repayment of the previous loan. The experts considered that Rosselkhozbank attack on the "Emerald country" was held under the scenario "dashing 90".

"Spin" assets "on a grand scale"

Rosselkhozbank, and previously took from businessmen, farmers of their assets. For example, the Samara branch of Agricultural Bank took over the debts of all the assets of one of the largest in the Samara region of market participants - agricultural holding 'Groups Alicor ". The property Rosselkhozbank moved assets: "Bezenchuksky elevator", JSC "Podbelsky elevator", JSC "Pohvistnevsky elevator", JSC "Koshkinsky elevator", JSC "Alexis HPP", OAO "corn" (flour mill), OJSC "Samara feed mill "pig under construction in Krasnoarmeysk area extraction plant based Bezenchuksky elevator and three dairy complex for 1200 heads and lots of farmland total area of ​​about 200 thousand. ha.

Also to Rosselkhozbank came assets such as the Crimean fishing industry holding "blue sea", the largest meat producer in the Leningrad region "Parnas-M", the sugar mills "Euroservice" meat processor "Buryatmyasoprom" grain processing enterprise LLC "Zernostandart-Kostroma", JSC "mill complex in Sokolniki", etc. It seems that instead of the development of the Russian agricultural market by lending to farmers top managers of Russian Agricultural Bank are engaged in banal raiding.

Gangster friendship?

Against the background of how the assets Rosselkhozbank selects conventional farmers, there were rumors in the business community that the Agricultural Bank may be associated with organized crime and can support business "criminal elements." The thing is that previously JSC "Russian Agricultural Bank" engaged in lending business, controlled by organized crime groups scandalously famous "Tsapkovskie" of Krasnodar Krai (aka - Tsapkov gang). Simply put, the Agricultural Bank credited Tsapkov.

"Worthy" colleagues in the field

After the Agricultural Bank headed by Dmitry Patrushev, Rosselkhozbank top managers of the branches have been increasingly blamed for the withdrawal of assets. For example, the former head of the Altai branch of Rosselkhozbank Eugene Gladyshev Rogowski and Constantine are suspected of fraud in lending to a company that has accumulated debt of 20 billion rubles.