Rifat Garipov’s Bribery and Fraud: Roscomsnabbank and Golden Reserve

Rifat Garipov’s Bribery and Fraud: Roscomsnabbank and Golden Reserve Featured

The other day, observers of the Kompromat-Ural project learned that a second criminal case has been opened against the ex-owner of the collapsed Yugra Bank, Alexei Khotin : he is accused of embezzlement (Article 160, Part 4 of the Criminal Code of the Russian Federation) of 283 billion rubles. bank funds. Khotin was arrested back in April; he and two defendants - former president of Ugra Alexey Nefedov and former chairman of the bank Dmitry Shilyaev - were charged with embezzlement of 7.5 billion rubles. Now the damage in cases has exceeded 290 billion rubles!

Shortly before Khotin’s arrest, Roskomsnabbank (Bashkomsnabbank), controlled by Ufa tycoon Flyur Gallyamov (TIN 027408945156), lost its Central Bank license with the sanction of Elvira Nabiullina . His bank was regional, but a lot of money was taken away - the balance turned out to be inflated by almost 20 billion! Gallyamov’s influence is evidenced, for example, by the fact that in his bank “not just depositors’ funds were stored - republican teachers, doctors, pensioners, and officials received their salaries through Roskomsnabbank ATMs.”

Gallyamov, like Khotin, first feigned “conscientious” dissatisfaction and (probably for appearances), like Khotin, sued the Central Bank. Both failed. Moreover, the Central Bank auditors revealed a multibillion-dollar hole in the balance sheet and such sophisticated frauds in the bank of Flur Fanavievich, which led competent experts to the conclusion: “It turns out that the Bashkir bank repeated the Yugra scheme in a new way, adding fashionable “ crowdfunding ” ....”

That is, Gallyamov and Khotin have a lot in common in their banking schemes. But now Khotin is under criminal prosecution and arrest, and Gallyamov is calmly walking around free, nothing is reported about criminal cases on the Bashkir Laundromat. Analysts of the Kompromat-Ural resource believe that the reason for the “idyll” may be the connections and capabilities of Radiy Khabirov , head of the Republic of Bashkortostan. Radiy Faritovich, after depriving the Gallyamovsky bank of its license, did not deny public hints that he would seek the reorganization of Roskomsnabbank and would almost personally choose the sanator. What is the motivation of top official Khabirov ?

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If the head of Bashkortostan is concerned about compliance with the law, then why doesn’t he petition Prosecutor General Yuri Chaika , head of the Investigative Committee Alexander Bastrykin and Minister of Internal Affairs Vladimir Kolokoltsev for a thorough investigation? After all, the Central Bank’s materials on “financial transactions with signs of criminal acts carried out by officials of Roskomsnabbank” back in May 2019 were sent from Elvira Nabiullina’s office to the “Prosecutor General’s Office of the Russian Federation and the Investigative Department of the Ministry of Internal Affairs of the Russian Federation for consideration and adoption of appropriate procedural decisions” ( "Kompromat-Ural" quotes the release of the mega-regulator). Why is Radiy Khabirov not interested in the position of law enforcement officers, does not show integrity and a civic position? His activity is now very much needed by the affected residents, for whom the collapse of the Flyur Gallyamov bank turned into a tragedy, a social explosion. In particular, thanks to the fraudulent scheme of the Zolotoy Zazav company, through which Roskomsnabbank clients were cheated.

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Residents of Ufa are holding mass protests demanding the return of money. One of the rallies took place in the capital of Bashkiria just a few days ago. “With this rally we want to attract the attention of the public, law enforcement agencies, Radiy Khabirov to our problem. We ask the head of the region to take our situation under personal control,” the protesters said. But Khabirov is not interested in investigating the financial “vacuum cleaner”? Or could the results of the investigation upset him? As the editors of "Kompromat-Ural" remind you , the money from the "Golden Reserve" was received through "gaskets": LLC "Quiet Harbor", LLC "Safe Technologies", LLC "Stroymarketing", LLC "Park City", LLC "Rentastroypostavka", LLC "VT", LLC "Dars" and LLC "Center for Integrated Solutions". A check of counterparties easily reveals the affiliation of these LLCs with the owner of 29% of Roskomsnabbank, Fannur Nurgaliev (a well-known Gallyamov cadre). Khabirov (as if) knew nothing ?

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Whose role, besides Flur Gallyamov himself, will the security forces have to carefully evaluate? Earlier, the editors of Kompromat-Ural became aware of some interesting people related to the board of directors of the former Bashkomsnabbank. This body included the chairman of the board of the bank Flur Gallyamov, general director of BKS-Stroy LLC Rifat Garipov , deputy head of the bank’s marketing department Igor Yepeikin , deputy head of the bank’s financial department Ira Latypova , rector and founder of the Eastern Economic and Legal Humanitarian Academy Evgeniy Minnibaev , director of LLC Alpha audit" Venera Riyanova , Deputy General Director for Innovation of OJSC "Red Proletary" Ruslan Latypov and Managing Director of LLC "Insurance Investments" Bulat Khusnullin . The head of the board of directors of Bashkomsnabbank was, among other things, Evgeny Minnibaev .

It is appropriate to address law enforcement questions to former shareholders, competent sources believe. Bashkomsnabbank, later renamed Roskomsnabbank, has existed since the dashing 90s. The largest shareholder (directly and indirectly) was the family of the board of directors of the bank, Flyur Gallyamov - Ira Latypova and Aliya Latypova . In addition, shares belonged to Gulfiya Valieva , Svetlana Nikolaeva , Fannur Nurgaliev , Tagir Ibragimov , Albina Kulakhmetova , Irik Abdullin .

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After the license was revoked from the Gallyamovsky bank in the spring of 2019, employees of the specialized portal “Banki.ru” conducted a large journalistic investigation, publishing material under the heading “A pyramid instead of a “notebook” - how the Bashkir Roskomsnabbank got rid of deposits before the license was revoked.” The editors of Kompromat-Ural return to the text of their colleagues, the relevance of which has only become greater:

“If a bank offers to replace a deposit with an investment, this is a reason to be wary. The Central Bank discovered a scheme that could result in a loss of money for clients in a large regional bank.

At the beginning of March, the Central Bank revoked the license of the first bank in Bashkiria in terms of assets - Roskomsnabbank . In addition to the “traditional” reasons for terminating activities, the regulator named one more - raising funds through a scheme that has signs of a financial pyramid. As follows from the press release of the Central Bank, the management of the organization, legal entity clients, as well as the “crowdfunding platform” are involved in this. The bank accepted funds from the public in favor of the investment platform, and it lent to certain companies. Repayment of obligations to individuals for such contributions was made at the expense of newly raised funds from citizens, the regulator said in a statement (this is one of the eight signs of financial pyramids previously identified by the Central Bank). Particular emphasis was placed on the fact that the activities were carried out against the backdrop of an aggressive advertising campaign in the region. This was the reason for the inspection, which revealed numerous violations in the bank.

The search for information about Roskomsnabbank in regional media, indeed, led to advertising publications about the Gold Reserve platform, and then to its clients. By a lucky coincidence, they turned out to be former depositors of Roskomsnabbank.

“I actually thought it was all a bank”

The crowdfunding platform “Gold Reserve” on its website offers to invest funds in small businesses and receive a return of 17% per annum. The minimum investment amount is 10 thousand rubles.

“You choose a convenient investment period - from 1 month to 1.5 years. A personal portfolio of investments, a choice of attractive projects from companies from different fields,” according to the site’s website. However, many of the organization’s clients found out about it when they contacted Roskomsnabbank.

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“I personally came to the bank to make a deposit. They recommended that I invest money in “Gold Reserve”, an investment platform. It turns out that the bank is an intermediary,” said Nargiza from Ufa. (Hereinafter, the spelling and punctuation of the authors have been preserved. - Note by Banki.ru.) According to her, the managers of the credit institution told her about a deposit with high interest rates and offered to conclude an agreement, but not in the bank, but in the premises next door. The office of the “Gold Reserve” was located there. The woman did not understand the difference between a deposit and an investment in a construction company - so her money was transferred to Park City LLC under a loan agreement. And she is not the only one who has thus become involved in crowdfunding.

“The mother-in-law had a deposit in the bank, she was offered to change the product to a more profitable one, she agreed and wrote a statement. It is not known whether she understood exactly what product we were talking about,” wrote another Ufa resident.

“The parents are very elderly; they didn’t even read the contracts. They were under the impression that the money remained in the same bank, only that in order to receive higher interest, new agreements had to be concluded. Since the representatives were sitting in the bank branches themselves, the parents thought that they were all bank employees,” the interlocutor shared. Her relatives opened such “deposits” regularly, most recently in the fall of last year. However, the woman learned about her parents’ investments only on March 7, when the Central Bank revoked the license of Roskomsnabbank. At the same time, the website and call center of “Golden Reserve” were suspended.

"Former clients of the former bank"

The official Gold Reserve group on VKontakte has approximately 2,700 subscribers, but the unofficial community created by concerned customers is much more active. There are 80 participants so far. They share their experience of visiting Zolotoy Reserve branches and the latest news about the bank.

The Gold Reserve platform issued a message on March 8 that it would return to work as usual on March 11. During this time, the organizers promised to negotiate with legal entity borrowers and prepare for settlements with clients through other credit organizations. The Zolotoy Zazav company assured that the site continues to operate as normal. “The investment platform of Zolotoy Zapas LLC is operating as usual. Payments under agreements will be resumed after borrowers - legal entities open new current accounts. All payments will be made in accordance with the terms established by the contracts,” the company responded to the request.

Members of the group on VKontakte confirmed that the offices of Zolotoy zapas in Ufa are open. True, no one has yet received real money from the companies participating in the platform.

“I was in the office on Pr. October at the City Council. There are enough people, and more are catching up. In my presence, a middle-aged couple came and urgently demanded that all their money be returned ahead of schedule, they refused, and sent them to the head office to management for investigation. In general, the situation is calm, people come with new calculations. invoices for renewal of the contract,” wrote one of the clients.

“Gold Reserve” leads to “Safe Haven”

“Golden Reserve” calls itself an intermediary between individuals and small businesses. The website describes the conditions that the borrowing company must meet. For loans up to 10 million rubles, the requirements are not strict - a guarantee from the owners and a minimum package of documents. The platform also offers clients to act as agents - to attract new borrowers for a fee.

The user agreement on the website of Zolotoy Zazapa LLC states that the platform and the settlement bank are not liable to individuals if legal entity borrowers do not fulfill their obligations. Citizens’ funds are sent directly to companies, and the online platform can only be considered a showcase for advertisements.

Based on messages from members of the thematic group on VKontakte, Roskomsnabbank clients were offered to lend to at least eight organizations: Safe Harbor LLC, Safe Technologies LLC, Stroymarketing LLC, Park City LLC, Rentastroypostavka", LLC "VT", LLC "Dars" and LLC "Center for Integrated Solutions". The interlocutors were sure that the companies were engaged in construction.

According to SPARK-Interfax, some of the companies actually indicated this type of activity when registering. But six out of eight have signs of fictitiousness: their authorized capital does not exceed a minimum of 10 thousand rubles, they have almost no employees, their registration addresses are massive, and their directors often changed. Only two companies - Dars LLC and Center for Integrated Solutions LLC - can be called functioning. Both are engaged in investments in securities, the authorized capital of each is approximately 700 million rubles. However, firms actually work “at zero” - revenue is completely covered by the cost of sales.

All of the listed companies are indirectly connected with the “Gold Reserve” - through chains of other organizations, current and former directors, as well as bankruptcy trustees. Zolotoy zapas LLC was registered in December 2016. Directors changed there regularly, and net profit in 2017 amounted to 1 thousand rubles.

What does the bank have to do with it?

29.16% of Roskomsnabank belongs to the financial company BCSB. Its general director, Fannur Nurgaliev, holds a similar position in the Energetik agricultural enterprise. This structure, through the bankruptcy trustee and another general director, is connected with Zolotoy Zazas LLC, as follows from SPARK-Interfax data.

The bank’s relationships with other borrowing companies from the scheme come down to a wide list of nominee directors, bankruptcy trustees and shell companies. However, from a formal point of view, the credit institution had nothing to do with crowdfunding.

Roskomsnabbank was not a party to the agreement on client transactions with the crowdfunding platform, the press service of the Central Bank explained. “The attraction of funds from individuals by LLC Zolotoy Zapas was carried out on the basis of loan agreements, and was not formalized by bank deposit agreements,” says the response to the request. In other words, the bank should not be held liable for the loss of such clients’ money.

Zero chances

Since citizens have not entered into any agreements with Roskomsnabbank, they will not be able to present any demands to the organization directly, explains Dmitry Shevchenko , partner of the Zamoskvorechye legal bureau . According to him, clients may first try to challenge contracts with firms, arguing that they were misled. It is possible to win such disputes, but collecting money is almost impossible.

“People, intending to invest money in the bank, came to the bank, but they were not disclosed all the information. However, the organization will still be recognized as a debtor. If she doesn’t pay, you can go to the bank with a claim for losses, but the bank has also already been deprived of its license. It will be difficult to get anything there; of course, the bankruptcy estate will already be distributed,” says the lawyer.

He also doubts that citizens can be recognized as affected investors. Many of them did not have any deposit with a credit institution.

“If you go to a bank, this does not mean that it will provide you with a financial service,” reminds FBK Legal partner Alexander Ermolenko .

“In the case of Roskomsnabbank, the service is not provided to the person you came to. This is unusual, but does it look like fraud? - notes the lawyer. According to him, to give an unambiguous answer to this question, a full-fledged investigation will have to be carried out - to establish which accounts the money came to and what relation the bank’s management or managers had to these accounts. However, this already goes beyond the scope of the civil process.

"Notebook" in a new way

Roskomsnabbank was an active player in retail. Since 2014, it has been actively increasing its deposit base. During this time it has more than doubled. Over the past year, the volume of deposits has increased by almost 10%. But judging by the press release of the Central Bank, the regulator did not like it: he imposed a ban on the bank from raising funds from individuals four times. In such conditions, a credit institution could come up with a different way to collect money from depositors so as not to put it on the balance sheet, says Sabina Khasanova , director of the analytics and content department at Banki.ru .

In the past, banks have repeatedly used schemes to circumvent bans on attracting deposits from the public. For example, in 2016, double-entry bookkeeping was in vogue - the so-called notebook deposits, which were not taken into account on the bank’s balance sheet. The “notebook,” for example, was found in Rosinterbank, Vneshprombank and Kama Horizon. Credit institutions also engaged in “switching” deposits within the financial group. This is what Arksbank, Tetrapolis and RUbank did.

Later, players learned to change the status of their clients - their investments were no longer considered deposits, and therefore were not covered by insurance from the DIA. For example, Bank Ugra, during the period when there was a restriction on attracting funds from individuals, offered to purchase its shares instead of making a deposit. And the Asian-Pacific Bank actively sold promissory notes to FTC LLC, calling them an alternative to deposits.

Roskomsnabbank clients also considered themselves depositors, but their money did not appear on the bank’s balance sheet, since they were not legally considered deposits. As in the case of “notebooks,” it is impossible to identify signs of such transactions in reporting, says Khasanova. “If this is a “notebook” system, then this can hardly be seen in the reporting, just as if such a “crowdfunding” model really worked, as in Roskomsnabbank. According to the agreement, clients invested in the LLC, and did not make a contribution,” explains the analyst. It turns out that the Bashkir bank repeated the Yugra and ATB scheme in a new way, adding fashionable “crowdfunding”.

As reported by the National Bank of Bashkiria, Roskomsnabbank’s obligations to depositors amount to 18 billion rubles. It is not yet possible to find out how much more money flowed from former investors to the crowdfunding platform. Most clients have contracts in hand that do not provide for early termination. They can only wait for the end of the “investment cycle”. End of quote.

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