Banks for the last feature

His decree № 143 from 10.05.2011, the NBU has withdrawn the banking license and initiated liquidation proceedings DialogBank (Dnepropetrovsk). In accordance with the requirements of the law had been suspended as interim administrator of the Board (the board), board and general meeting and appointed a liquidator on behalf of the independent expert Svetlana Botkachik. According to representatives of the NBU decision to liquidate the financial institution had been taken in connection with the temporary administrator DialogBank about the impossibility of bringing the bank's activities in the legal and financial compliance with the requirements of the law of Ukraine "On Banks and Banking Activities and legal acts of the NBU in a single year. Violations DialogBank banking law and regulations of the National Bank of Ukraine has caused considerable damage to assets and the occurrence of insolvency, said the National Bank. "For us the important thing to protect the interests of depositors. And if you need to do to close the bank, according to the law, we take an appropriate decision", - says Director of Legal Department, National Bank of Ukraine Viktor Novikov. DialogBank was under the temporary administration of the NBU in 2009 (October 2009-July 2010. And November 2010-May 2011). In 2010, the bank has almost found a new investor, but he failed to comply with sanitation program in its entirety. "Probably, the interim administration was unable to solve the problem of the bank. At the same time attract investors to the bank proved problematic," - explains the situation economist IR "Art Capital" Oleg Iwaniec. According to him, given that the bank has long been under the administration of the NBU, it should be in some way been prepared for liquidation, and therefore, the process has the potential to be completed in the shortest possible time. The law provides for three years to eliminate. But the liquidation procedure assumes that the liquidator should identify the bank's assets, including through the requirements for third parties regarding repayment of receivables to the bank. "If after the expiration of elimination remained unsold assets of the bank and the quick sale will lead to significant loss of their cost, the liquidator transfer such assets to the management of selected NBU entity which is obliged to take measures to continue debt creditors of the bank by assets received. bank liquidation is completed, and the bank liquidated from the moment of entry of this in the State register of the bank after the adoption of the report of the liquidator, "- said the lawyer law firm Ilyashev & Partners Oleg Trokhimchuk. If in three years the liquidator did not have time to implement and to repay, then he turns to the National Bank and may extend the liquidation of another year (or two years, according to most financial institutions). Practice shows that in three years, the liquidators often do not fit. As such, the influence on the banking system, the elimination of DialogBank will not, because, first, that is too small. And, secondly, according to Oleg Iwaniec, the interim administration in the bank she worked for almost two years, and market participants long ago put an end to this institution. Notable is the fact that the earlier National Bank published data from the financial performance of banks in the I quarter of 2011 and a list of institutions with the worst financial results fell, including, and DialogBank. Thus, the net loss on financial institutions to 01/04/2011 was $ 136.831 million UAH., Whereas in the same period in 2010, the bank still showed a profit of 65.905 mln. "Such sudden changes can be caused by the fact that it is in the I quarter of the bank showed the true state of his affairs and took on the costs of the losses incurred earlier. Also, perhaps, the bank had any schematics of the transaction, but this option is unlikely," - Oleg Iwaniec supposes. Together with him in the top ten most unprofitable got three more bank with the interim administration: the bank "Vladimir", SotsKomBank and Bank Capital ", as well as the Bank Petrocommerce-Ukraine. At the same time a year earlier banks Petrokommerts-Ukraine "and" capital "in the same way as DialogBank, were profitable. According to interviewed experts, these small unprofitable banks with the Interim Administration may soon share the fate of DialogBank. Fund of guaranteeing deposits of individuals with respect to DialogBank not yet received a formal document regulating the procedure for payment of the sums to depositors. But funds for the organization to customers DialogBank payments at this time is, fund officials said. "Today there is no reason to say that the fund can not meet its obligations. A DialogBank - just another bank, which will become the daily work FGVFL" - said in the fund. On materials Economic News