Lawyers and lawyers of Petrozavodsk. Where to pay Probusinessbank loans: new details. Hotline Does probusinessbank work?

Many borrowers naively believe that if the license of the creditor bank is revoked, they no longer owe anyone. This assumption is erroneous, since the money will still have to be returned, albeit to other financial organizations. This is exactly what happened with Probusinessbank, whose license was revoked. We will tell you further about where to pay the Probusinessbank loan, as well as why you should not hesitate to pay it off.

Brief history of Probusinessbank

Probusinessbank is one of the largest Russian banks in the Russian Federation, part of the Life Financial Group. The time of its creation falls on the not so distant 1993. Since its opening, this financial organization has specialized exclusively in servicing and lending to private and corporate clients.

Probusinessbank: license revoked, where to pay the loan?

Unexpectedly for all its clients, Probusinessbank announced protracted financial problems and possible bankruptcy. In August 2015, this information was confirmed by representatives of the Central Bank of Russia. At the same time, persons authorized by the regulator arrived at the bank building, where they conducted a global inspection, as a result of which the organization lost its license.

The official statement of the regulator stated that the reason for revoking the license of the credit institution was the implementation of a high-risk financial policy. According to preliminary data, it was associated with investing cash savings in low-quality assets. As a result, the organization's reserve cash reserves could not withstand the financial risks that arose, and the bank found itself on the verge of bankruptcy. We will tell you further about where to pay the Probusinessbank loan to those citizens who previously took out a loan from it.

Problems with borrowed funds: what to do?

The bankruptcy of Probusinessbank was a real shock for individuals and other clients of a financial institution who had previously taken out a loan here. Many of them were simply confused, not knowing where to turn, to whom and what to do now with the loan payment. What to do in such situations?

Firstly, if a bank’s license is revoked, there is no need to panic. All financial issues will be resolved sooner or later. Secondly, it is better not to choose a position of waiting. To clarify the situation regarding loans, you must contact the competent authorities. Thus, information about banks to which the rights to accept cash payments, including loans, are transferred is indicated on the official page of the Central Bank, the Arbitration Court and the Deposit Insurance Agency. In total, such data appears approximately 10-14 days from the date of license revocation. Here's what you need to do if you have questions due to the fact that Probusinessbank is closed. Where to pay the loan?

Which banks should I contact to repay my loan?

According to the message that appeared on the official website of the Agency on September 14, 2015, you can pay for loans from the former Probusinessbank in all branches of the Russian Capital bank.

So, if you don’t know where to pay a Probusinessbank loan, pay attention to the addresses of Russian Capital Bank branches presented below.

On September 23, 2015, a message regarding Transcapitalbank PJSC also appeared on the website. According to this information, this bank was also allowed to accept credit and other payments from citizens who had previously obtained loans from the bankrupt Probusinessbank.

For example, the loan payment can be made at the subsidiary Armavirsky (Krasnodar branch of TKB Bank PJSC), located in the city of Armavir on Komsomolskaya Street, 107. Still don’t know where to pay the loan taken from Probusinessbank? Please pay attention to the following branches of PJSC Transcapitalbank (TBK):

Novosibirsk branch of the NGO "Altai".
Voronezh branch of the NGO "Belgorodsky".
Bryansk and Perm branches.
Yekaterinburg branch of the subsidiary company "Severny" and others.

What other banks can you pay for a loan at?

If you have not yet decided where to pay your Probusinessbank loan, pay attention to the branches of the following banks:

OJSC AIKB Tatfondbank.
PJSC Sovcombank.

The branch addresses of the above bank branches can be found below. In addition, anyone wishing to pay their loan can contact the cash desk. It is located in Moscow on Lesnaya Street, 59, building 2. If you have questions about the operation of the cash desk, you can ask the hotline 8-800-200-08-05. Sovcombank branches are listed below.

Why shouldn’t you delay paying off your loan?

So, Probusinessbank is closed. Where to pay the loan now? This question interests many borrowers. They often ask this question to the temporary administration of a bankrupt bank. But people who are busy solving completely different issues can answer you something like: “No one knows anything yet. As soon as something becomes clear, we will contact you."

Having heard this, most borrowers will go home with peace of mind and wait for a call from the bank. However, such an expectation can lead to completely the opposite effect. A typical situation looks like this. Let’s say that the day before the license was revoked, the client arranged an overdraft at the bank, then they promised to inform him of the details of the subsequent payment of the loan. But the borrower received the message only after a year and a half, and in the form of a claim indicating the amount of debt, penalties and fines accrued during the period of delay.

That is why you should not wait for weather by the sea. It is better to stay in the center of events, monitor all the news related to his future fate, and also receive information from official sources.

When applying for a loan from a bank, few people think about the difficulties that may arise as it is repaid. For example, one of the most common problems is the revocation of a lender's license. As a result, many are simply at a loss as to who and how to pay the loan. This is exactly what happened with an organization like Probusinessbank. In order to reduce the intensity of passions among panicking borrowers, we decided to tell in detail where to pay Probusinessbank loans after its liquidation. We will tell you more about this further.

Brief information about the bank

Probusinessbank was founded in early 1993. Since its creation, this company has set a course for later, it introduced car loan programs into its universal portfolio of services and began issuing loans to individuals. It was these innovations that helped the bank take a leading position in this niche by 1998.

At the end of 2006, JSCB Probusinessbank joined the large Life holding company, continuing to focus on clients working in various business structures. Closer to 2015, in addition to this financial organization, other banks joined the Life group. And the credit institution itself has acquired an enviable retail network, numbering 230 offices and branches, and a full-fledged operating cash desk.

What services did the bank offer to its clients?

During its operation, JSCB Probusinessbank offered its clients the following types of services:

deposit programs;
design and ;
overdrafts;
factoring and leasing;
acquiring;
currency operations;
rental of safes and lockers;
REPO operations;
letters of credit;
remote maintenance and many others.

At that time, among the regulars of this financial organization, companies such as “Moscow coffee shop on shares”, “Bogorodsky delicacies”, “Izhora factories”, “Volga Shipbuilding Plant” and others were noticed.

Revocation of a license: what are the reasons?

Despite high ratings and great popularity among business representatives, the bank still lost its license. This happened at the beginning of August 2015. The main reason for this decision of the regulator was the systematic violation of federal legislation by Probusinessbank. And of course, it could not have happened without the financial institution pursuing a high-risk credit policy with the subsequent investment of money in low-quality assets. In a word, “finita la comedy.” This is how the activities of the central player in the credit policy of the Life group, better known as Probusinessbank, ended. We will discuss below how to pay off a loan after the license of a given financial institution is revoked.

Where can I find details of credit institutions for payment?

The revocation of a license from a favorite lender came as a real shock to bank clients. Most of the borrowers, as we have already said, were quite large entrepreneurs, so none of them fell into despair. However, among them there were also individuals who were interested in where they should turn now in order to repay the ill-fated loan. Many of them at one time even gathered near the bank’s Moscow office and picketed the entrance to the building. They demanded clarification from the company management and, of course, the return of money on deposits.

Having warned of popular unrest in advance, the Agency provided the details of Probusinessbank for payment of the loan. The organization’s representative office published this information two days after the bank’s license was revoked on its official website. At the same time, information was provided separately for individuals and legal entities, as well as for borrowers who had previously obtained loans in national and foreign currencies (US dollars and euros).

Attention! There is a reminder on the agency's website for all non-payers. According to this message, penalties will be applied to legal entities and individuals for non-payment of the loan.

How can I find out the necessary details for paying a loan?

To find out the details of Probusinessbank for loan payment, you need to follow these simple steps:

go to the main page of the DIA asv.org.ru;
from the menu list (located in the upper left corner of the site) select “Liquidation of banks”;
from the alphabetical directory under the letter “P” select “Probusinessbank”;
go to the page with details.

Similar information about details and partner banks can be found on the website prbb.ru.

Which banks can pay a loan without commission?

Despite the fact that the Deposit Insurance Agency has already appointed several financial institutions that are ready to accept payments on loans from a bankrupt bank, many borrowers prefer to pay the loan at nearby financial institutions, most of which are clearly not ready to work for a “thank you.” Taking this opportunity, they set their own commission for servicing third-party clients. And this is, after all, an additional expense. In order to avoid them, you must first find where to pay Probusinessbank loans without commissions.

In order to make your task easier, we will name the most basic agent banks:

PJSC "Russian Capital".
PJSC Transcapitalbank.
OJSC Tatfondbank.
PJSC Sovcombank.
Payment Center LLC (using the Golden Crown service).

This is where you can pay Probusinessbank loans without additional fees.

How to find the addresses of agent banks for payment?

In order to find out where the nearest branch of the agent bank is located, you should go to the main page of the DIA, select “Liquidation of banks”, go to the “Participating banks” tab, open the alphabetical list and search for the appropriate organization. For example, one of the branches of PJSC Russian Capital is located in Moscow on Bolshaya Molchanovka Street, 21/A.

The representative office of PJSC Transcapitalbank can be found, for example, in Bryansk (Sovetsky district), on Proletarskaya Street, 1. The branch of OJSC Tatfondbank, where to pay Probusinessbank loans, is located in Kazan, on Vosstaniya Street, 31/26.

Offices and branches of PJSC Sovcombank can be visited, for example, in the city of Alexandrov. There is a bank representative office here, located on Lenina Street, 24, building 1. The second branch of the financial organization is located on Tereshkova Street, 6.

In turn, Payment Center LLC is another agent representing Probusinessbank. How to pay a loan from this organization (cash or by card) is up to you. The main thing is to contact the network’s partner salons. Among them, the following intermediaries should be highlighted:

"Euroset".
Beeline.
"Frisbee."
"MTS".
"Maximus."
"Kari."
"Agent.Ru".
"Digital City".
"Sangi Style".
"Division" and others.

JSCB Probusinessbank is a member of the Life Financial Group. The bank was founded on July 7, 1993 to serve manufacturing companies (industrial enterprises in the chemical, food, processing industries, high technology, communications, housing construction, transport and wholesale trade) and stimulate the development of enterprises in the market sector of the economy.

The bank's management chose the direction of development as a traditional commercial bank - independent of political parties and movements, government and management structures. Thanks to its stable and professional work, Probusinessbank is well known in the international financial community. Loan programs aimed at business development are traditional for the bank.

Probusinessbank is a reliable and long-term partner for our clients. In addition to the General License of the Bank of Russia to carry out banking operations and a license to attract deposits and place precious metals, Probusinessbank holds licenses to carry out brokerage, dealer, depository activities and securities management activities. Probusinessbank also has the right to act as a guarantor before the customs authorities.

WON CASE AGAINST "PROBUSINESSBANK". PETROZAVODSK LAWYER SUGGESTED RUB 1,300,000 FROM THE BANK. May 28th, 2017

WON CASE AGAINST "PROBUSINESSBANK". PETROZAVODSK LAWYER SUGGESTED RUB 1,300,000 FROM THE BANK.

I would like to talk about an interesting case involving a dispute between a bank and a borrower, in which I achieved great success. This story will be very useful as borrowers of Probusinessbank » of which, as practice shows, there are quite a few and to whom exorbitant demands are made after a long silence from the bank, as well as to other citizens who have loans from banks.

So, a citizen contacted me, who became a defendant in a lawsuit
"Probusinessbank"» . They wanted to get almost two million rubles from the citizen, despite the fact that this bank had become bankrupt and the person was physically unable to pay the loan, because... The account details changed, but the bank did not inform about it. The bank wanted to receive from the borrower: the loan body, approximately 700,000 rubles, overdue interest + penalties - approximately 1,300,000 rubles.

I accepted the case for proceedings, objections were written, it was stated that the penalties were disproportionate, under Art. 333 of the Civil Code of the Russian Federation, about the creditor’s delay, under Art. 406 of the Civil Code of the Russian Federation, a witness was heard, and in the end I won the case. Of the 2,000,000 rubles, only the body of the loan was collected, approximately 700,000 rubles, which the defendant did not argue with, and overdue interest and penalties for three million were removed. One million three hundred thousand - I beat it off, which I consider a success.

The court found that there was a delay by the creditor. Our position in the case was fully recognized by the court and this allowed us to win the case.

In fact, my client actually had a loan agreement with the bank. The client paid the loan regularly, on time. But then the unexpected happened.

By Order of the Central Bank of the Russian Federation dated August 12, 2015 No. OD-2071, JSCB Probusinessbank» the license to carry out banking operations was revoked.

By the decision of the Moscow Arbitration Court dated October 28, 2015 in case No. A40-154909/2015, JSCB Probusinessbank was declared insolvent (bankrupt), and bankruptcy proceedings were opened against it.

Since August 2015 borrower could not make loan payments because... bank branch, where previously, since 2012, the defendant regularly made payments, closed.
Moreover: my client was also unable to make the payment according to the details established by the parties’ agreement, because when contacting other banks, he was told that payments using these details were not possible. The defendant contacted Sberbank and Rosselkhozbank. The defendant even found and talked to former employeesJSCB "Probusinessbank", trying to understand how he could pay the loan, but they could not help him, telling him that they themselves had credit cards and could not pay, and that he needed to wait for information. In fact, the old account details are no longer relevant, because... Due to the bank bankruptcy procedure, a new account was opened, but my client was not informed about it.
Thus, as we stated in court, there was - creditor's delay.
Starting from August 2015, the defendant wanted, but could not make payments under the agreement, because I didn’t know where or how to pay him money. In fact, the creditor bank, by closing the bank branch and not properly informing the defendant of the account details for loan payments, allowed the creditor to delay.

As the court states in its decision:
“At the same time, the court believes that the defendant’s arguments about the creditor’s delay deserve attention.
So, in accordance with Art. 406 of the Civil Code of the Russian Federation, the creditor is considered delinquent if he refused to accept the proper performance proposed by the debtor or did not perform actions provided for by law, other legal acts or agreement, or arising from customs or from the essence of the obligation, before which the debtor could not fulfill his obligation.
Under a monetary obligation, the debtor is not required to pay interest during the creditor's delay.
By virtue of paragraph 1 of Art. 189.88 of the Federal Law “On Insolvency (Bankruptcy)”, the bankruptcy trustee is obliged to use during bankruptcy proceedings only one correspondent account of a credit organization declared bankrupt for funds in the currency of the Russian Federation - the main account of the credit organization opened with the Bank of Russia, and also depending on the number of types of foreign currency available to a credit institution - the required number of accounts of a credit institution for funds in foreign currency opened with other credit institutions in the manner established by the Bank of Russia.
The fact that the plaintiff’s account details changed after the bank’s license was revoked is not disputed by the plaintiff.
Thus, the plaintiff himself, JSCB Probusinessbank, did not perform the actions provided for by law, before which the debtor could not fulfill his obligation...."

As a result of the judicial review of the case, the court recognized the existence of a delay by the creditor, due to which only approximately 700,000 rubles were recovered from my client out of two million, and the court refused to collect the overdue interest and penalties. My client is happy.

We believe that this decision shows that borrowers can and should defend their rights, especially when the bank itself is to blame for the occurrence of overdue loans.

It seems to us that this story will be useful to both lawyers and ordinary bank clients.

The bank was established in 1993 in the form of a joint-stock company, then transformed into an LLC. By the beginning of 1998, the bank occupied a leading position in the car lending market, and at the same time it was corporatized. Since 1999, the bank began intensive development of its factoring and leasing divisions. In 2001, the bank attracted a subordinated loan in the amount of $5 million from the International Finance Corporation. In January 2003, the beginning was laid for the formation of a holding structure with the participation of regional banks (later transformed into the Life financial group * ) - acquired a controlling stake in Ekaterinburg VUZ-Bank (94.5%). In August 2003, the European Bank for Reconstruction and Development provided the bank with a $10 million line of credit to finance export-import operations. In 2004, Express-Volga and National Savings Bank were acquired.

In 2006, the Life Financial Group was formed on the basis of Probusinessbank; the bank placed an increasingly strong emphasis on servicing small and medium-sized businesses. In December 2006, the bank acquired Ivanovo Regional Bank (100%). In March 2007, the bank issued notes on the London Stock Exchange, thereby managing to attract more than $750 million. In 2008, another 375 million rubles were raised from East Capital Financial Institutions Fund AB by issuing ordinary shares. At the same time, East Capital provided the bank with a subordinated loan in the amount of 625 million rubles for five years. In January 2009, the bank acquired Gazenergobank (99.99%), at the same time the share in Bank24.ru was increased to 99.5%. In May 2009, the bank carried out an additional issue of shares through private subscription in favor of the East Capital fund. During the additional issue, the fund's share in the bank's authorized capital increased from 12.52% to 19.93%. In December 2009, the bank acquired Investment City Bank, which was subsequently renamed Bank Let's Go!

Since 2010, the bank has been actively expanding its presence area. In September 2011, the Central Bank of the Russian Federation registered the issue of bank bonds for 3 billion rubles. In December 2013, the bank became a sanator of the Samara bank Solidarnost, which joined the group by February 2014. In January 2015, the shareholders of the Life financial group made a strategic decision to merge the business of the Samara bank Solidarity and the Ivanovo National Savings Bank on the basis of Solidarity.

As of March 2015, the Life group is represented in 75 regions of the Russian Federation; in addition to the parent Probusinessbank, it includes VUZ-Bank (Probusinessbank owns 100% of its shares), Express-Volga Bank (Probusinessbank has 98.8%), Ivanovo National Savings Bank (100%), Gazenergobank (99.9%), Bank “Let's go!” (100%), KB "Solidarity" (100%). It is worth noting that the Life group until recently included the Ekaterinburg Bank24.ru, whose license was revoked on September 16, 2014. Probusinessbank also owns: Factoring company Life (100%), development company Probusiness Development (100%), collection agency "Life", Cypriot "Let's Go Holdings Limited" (100%).

As of March 2015, the main beneficiaries of the bank are those controlling the bank through the Cypriot Alivikt Holdings, Sergei Leontyev (41.50%), who is the president and chairman of the board of directors of Probusinessbank, and the chairman of the board of the bank, Alexander Zheleznyak (11.44%). Senior Vice President of Probusinessbank Eduard Panteleev, through Rodina LLC, owns a stake of 5.43% of the shares. British citizen Blake Klein owns 7.22%. Through the East Capital fund, Swedish citizen Peter Elam Hakasson owns 7.17%, Lithuanian citizen Kestutis Sasnauskas - 3.14%. Minority shareholders owning the bank through Cayman Islands-registered investment funds Blue Crest Emerging Markets Master Fund and Argo Special Situations Fund account for 14.44% of the bank's shares.

The Probusinessbank network is represented by the head office in Moscow, 230 additional offices and one operating cash desk outside the cash desk. The number of employees of the organization as of January 1, 2015 was 5,057 people.

Legal entities are offered cash settlement services, deposits, lending (including tender and project lending), overdrafts, leasing and factoring, currency control, collection, acquiring, tokens, safekeeping, letters of credit and guarantees, and repo operations. For small and medium-sized businesses, in addition to standard services, the Money Back option is available, which is a financial guarantee of the quality of service (in case of incompetent service and the client indicates specific shortcomings, the bank offers compensation in the amount of the cost of the tariff plan).

Among the clients of Probusinessbank at various times, such organizations as Moscow Coffee House on Shares CJSC, Izhora Plants OJSC, Bogorodsky Delicacies PJSC, United Aircraft Manufacturing Company OJSC, Shipbuilding Plant Volga OJSC, Metalservice OJSC were noticed " and etc.

For individuals, the bank offers consumer loans, a deposit line, remote servicing, credit and debit bank cards (Visa and MasterCard), etc.

Since the beginning of 2014, the bank’s balance sheet has increased by 39.3%, reaching a value of 146.3 billion rubles as of March 2015. The main point of growth in liabilities was interbank attraction, which increased over the period by 2.6 times, or by 21 billion rubles. Due to the active attraction of medium-term and long-term funds into deposits and deposits, household funds in deposits also grew: +29%, or +6.5 billion rubles, and corporate funds: +10.7%, or +2.7 billion rubles.

The newly raised funds were mostly used for settlements on securities, settlements on conversion transactions, as well as settlements on letters of credit, due to which the bank’s other assets increased almost fivefold, or by 37.9 billion rubles. There was also an increase in the securities portfolio (+10.9%, or +4.6 billion rubles) due to investments in bonds. The bank's fixed assets and intangible assets increased by 1 billion rubles, or one and a half times. Investments in the capital of other organizations increased by 1.1 billion rubles, or 41.5%. The bank's activity in the interbank lending market as a net lender also increased by 11.2%, or by 874.3 million rubles.

The bank's liabilities are highly diversified. LORO accounts - 27.6% of net liabilities, the share of interbank attractions - 23.2%, in household deposits - 19.7%, corporate funds - 18.8%, equity capital - 8.7%. The dynamics of turnover of the bank's current funds is at an extremely high level: from 132.4 to 207.9 billion rubles per month, which indicates the high quality of the client base.

In the asset structure, 32.2% is accounted for by the securities portfolio, represented almost entirely by bonds. 32.6% of net assets are made up of other assets (mainly settlements on securities, as well as derivative instruments-claims; a large share of settlements on conversion transactions, as well as settlements on letters of credit). The bank's loan portfolio amounts to 17.8% of net assets. Highly liquid assets - 6.7%. Issued interbank loans - 5.9%.

The Bank is highly active in the securities market. It has a significant portfolio of securities (47.1 billion rubles as of March 2015), consisting almost entirely of bonds. 54.4% are federal loan bonds, 19.9% are corporate bonds of non-residents, and 16.9% are bonds of foreign states. The dynamics of portfolio turnover range from 35 to 165 billion rubles per month. The bank also actively issues its own securities, in particular bills - in the amount of 1.7 billion rubles as of March 2015. Bills of exchange are predominantly issued for a period of up to six months. As of March 2015, the bonds previously issued by the bank were almost completely repaid (on the balance sheet - 28.6 million rubles).

The bank's credit policy is aimed at lending to individuals, as well as small and medium-sized businesses. As of March 2015, the share of retail loans in the portfolio was 58.8%. The loan portfolio is diversified by maturity. According to the bank's reporting (RAS), the level of overdue loans is high (19% as of March 2015), and is growing dynamically (10.5% at the beginning of 2014). The level of overdue loans to corporate entities is especially high: as of March 2015, it reached 21.5%. The reserve ratio for issued loans is also growing and as of March 1, 2015 it was 22.3%. The loans are secured by collateral in the amount of 23.7 billion rubles (90.7% of the loan portfolio), which is slightly below the sufficient level. The bank's loan portfolio tends to decrease due to the tightening of the bank's policy on issuing loans to new clients.

During the analyzed period, the bank was highly active in the interbank lending market, acting primarily as a net borrower and attracting liquidity primarily from residents, presumably controlled banks. The amount raised as of March 2015 is 33.9 billion rubles. The bank supplies liquidity in significantly smaller volumes, approximately equally to the Bank of Russia, controlled banks and non-residents. In the Forex market, the bank is one of the market makers, showing extremely high turnover from 460 billion to 1 trillion rubles per month.

At the end of 2014, the bank received a net profit of 1.8 billion rubles (mainly due to transactions with foreign currency). In 2013, the bank's net profit amounted to 826.7 million rubles. In 2012, the bank received a net profit of 1 billion rubles (due to its core activities).

Board of Directors: Sergey Leontyev (president), Alexander Zheleznyak, Eldar Bikmaev, Eduard Panteleev, Alexander Turbanov, Sergey Zozul, Sofia Bianchi, Hanna-Leena Loikkanen, Mogens Schmidt.

Governing body: Dmitry Dylnov (chairman), Andrey Litvinov, Alexander Lomov, Sergey Letunov, Sergey Shilov, Alexey Pirogov, Elena Tsybina, Vladislav Solodky.

* Financial group "Life" is a banking holding company created on the basis of the Moscow "Probiznebank". Now it unites 7 banks: Probusinessbank (Moscow), Let's Go! (Moscow), VUZ-Bank (Ekaterinburg), Express-Volga (Saratov), National Savings Bank (Ivanovo), Gazenergobank (Kaluga), Solidarity (Samara), as well as the factoring company Life and Probusiness Development ", as well as a number of related business structures. The group has over 800 branches in more than 75 regions, 4 million individual clients and 200 thousand legal entities, 17 thousand personnel.

The group's consolidated assets, according to interim financial statements under IFRS, for the first half of 2014 amounted to 177.9 billion rubles, capital - 21.4 billion, profit for six months - 952.6 million rubles.