Feedback from Nota-Bank employees. Customer opinions about bank services

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Often small commercial banks, and often quite large "players" become bankrupt. At the same time, the fate of most of them adheres to the same scenario: problems with payments on deposits, revocation of a license, introduction of an interim administration, litigation and declaration of financial insolvency. A similar path was prepared for such a credit institution as Nota-Bank. The feedback from the employees of this organization will make it possible to understand how realistic it was to prevent the disaster in the early stages and whether it was possible to save the bank itself.

Briefly about the bank itself

The history of the creation of this financial organization begins in the middle of 1994 in Tyumen. True, initially it was called the Tyumen Regional Development Bank. Exactly 3 years later, the representatives of the bank decided to change the name, and it was renamed "White North".

But even after the name change, the owners of the organization could not sit still. Either they realized that they could not keep the bank afloat any longer, or they got a better offer. In a word,they decided in 2002 to sell the future Nota-Bank. Moscow has become a new place where the office of the organization was moved after the change of owners.

2 years after the official sale of the organization, the new owners changed their name again and handed over the modern "Nota-Bank" to a team of specialists led by Dmitry Erokhin. Later, the company had its own branches, several representative offices, terminals and points of sale. Everyone who wished could safely apply to Nota-Bank. Problems with the financial institution arose much later. Until that time, the bank faithfully served individuals and legal entities, offering them loans, deposits and other financial services.

What do former bank employees think?

In order to understand how it all started, you need to pay attention to the opinions and reviews of Nota-Bank employees. As many managers who once worked in such an institution say, everything started very well. Initially, Nota-Bank had a small but very friendly team. Then the number of employees increased. Many managers who have been present at the institution since its opening have been promoted.

The bank has a bonus system for employees. According to some feedback from employees, Nota-Bank regularly encouraged the best personnel. They received bonuses in the form of additional payments, time off, unscheduled leave, as well as long-awaited career growth. Then, when there was a change of leadership, and Erokhin's group came to power, the situation deteriorated sharply.

According to a fewreviews of employees, "Nota-Bank" became completely unrecognizable. There was a certain split in personnel. Some employees became close to the new manager, while others, on the contrary, stepped aside and kept apart.

A system of fines appeared in the team, and the bonus program was sharply reduced. As a result of the tough policy of the new manager in representative offices in such a credit institution, a staff turnover arose. New people, according to the stories of bank employees, came, but did not stay for a long time. And then there were problems with payments. "Nota-Bank" began to delay the salary of its own employees. And then it started: financial problems, license revocation and further down the list.

What did the organization's clients say about the features of its work?

Long before the organization had problems, Nota-Bank already had a not too good reputation. According to the stories of some users, in such a credit institution there was extreme lack of assembly, incompetence and a certain tactlessness on the part of its own specialists.

Customers often complained about the terrible mess with interest on deposits. According to their stories, it becomes clear that during the period of the conclusion of the contract they had one rate, later it changed (of course, in the direction of its decrease). Sometimes there were failures in the bank's program and interest was not charged at all. Payments were regularly delayed. Nota-Bank did not pay the earned interest on deposits on time.

Many customers have complained of incompetence andincorrect behavior of employees of certain representative offices of the bank. Either they were served too long, or they lost documents or did not have information at all on each specific case. There were also positive reviews. In them, users talked about successfully closed deposits, interest received and quality service. These are the controversial opinions caused by users of "Nota-Bank". At that time, his license had not yet been revoked. An unpleasant phenomenon happened to the organization a little later.

First signs of financial problems

Officially, the beginning of the financial instability of the organization was laid in early October 2015. At this time, information about the bank's monetary problems began to appear in many media and some professional communities. The first difficulties with money transfers arose for many legal entities already on October 5th. And although the license had not yet been revoked, Nota-Bank was already mentally preparing for this event. But, despite the obvious prerequisites for future bankruptcy, the financial institution denied the information about the delay in payments.

How did further events unfold in the bank bankruptcy case?

However, already on October 12, restrictions on cash withdrawals by cards were set in all branches of this financial institution. The limit at that time was 10 thousand rubles per day. Along with this, information appeared about the disconnection of the credit institution from the electronic payment system of the Bank of Russia.

And already on October 13 she was appointed to the “Nota-Bank temporary administration for up to six months. As a rule, during this time the company either recovered completely and announced its reorganization, or declared its complete insolvency.

But, alas, the miracle did not happen. Very soon, most of the media reported about the revocation of the license. Nota-Bank remained in the power of the provisional administration and officially lost its license.

Revocation of a license and its reasons

According to the statement of the regulator, the license of Nota-Bank was revoked for several reasons at once. The main one is the problem with the illiquidity of the balance sheet and the emergence of a large number of unpaid and unconfirmed documents. According to the regulator, no bill payments have been made since October 5, 2015.

Moreover, before receiving official data that the bank had serious problems with its liquidity, many clients began to transfer their funds to other financial institutions and massively refuse the services of Nota-Bank. But even despite a certain outflow of customers, the total amount of debt to legal entities from the bankrupt bank did not decrease much. According to some reports, at that time it amounted to about 16 billion rubles.

Hope dies last

Until the very last moment, representatives of the Central Bank hoped that the bank would still have the strength and investors to restore the hole in the balance sheet and rehabilitate Nota-Bank. Temporary administration imposed by the regulatorfor a six-month period, also counted on it. However, expectations were never met.

Starting from October 13, the regulator introduced a moratorium on all payment transactions performed by the bank. At the same time, it was planned to start compensatory payments to legal entities and individuals, and no later than two weeks from the moment the moratorium was introduced.

Detection of dubious bank guarantees

6 months after the introduction of the interim administration, representatives of the regulator's commission discovered an unpleasant fact of fraud. As it turned out, false guarantees were issued in the bankrupt bank, and for tens of billions. One of the outraged clients of the organization turned out to be the well-known construction company Mostotrest.

Representatives of this company filed a complaint with the prosecutor's office. Not so long ago, the plaintiff applied to the bank for the provision of guarantees. At that time, the amount was about 2.25 billion rubles. Nota-Bank gladly agreed to issue such guarantees. But subject to the deposit of 1.5 billion rubles on the deposit of a credit institution, and at 8% per annum. Dmitry Erokhin, the former chairman of the board of the financial organization, acted as a guarantor in the face of the bank. However, the client failed to withdraw his deposit and wait for the bank to fulfill its obligations.

And then a criminal case was initiated under the article "Fraud on an especially large scale." During the investigation, representatives of law enforcement agenciesnevertheless, they managed to detain the former head of the bank, Dmitry Erokhin, as well as his brother Vadim, as well as Galina Marchukova, the ex-financial director of Nota-Bank.