Andsource What will ex-deputy and ex-banker from Saransk Vladimir Gribanov be tried for? The former deputy of the local State Assembly and the main beneficiary of the collapsed “KS Bank” will soon appear before the court. The criminal case against him was initiated after a large-scale scheme carried out to falsify bank statements. As a result, the bank's license was revoked and it became bankrupt. This caused a financial crisis in Saransk, which faced tens of thousands of residents. And the culprit will soon stand trial.
In early October last year, another scandal shook little Mordovia. In Saransk, a deputy of the State Assembly and the president of KS Bank, Vladimir Gribanov, was detained. Two weeks earlier, he was re-elected as a member of the local parliament. Gribanov is part of the Mordovian political and financial elite, having points of contact with the teams of the former heads of the region – Nikolai Merkushkin and Vladimir Volkov. With the new head, Artem Zdunov, he could not find a common language, although the son of the ex-banker Alexei served as Minister of Economy of Mordovia until July of this year.
After the arrest and initiation of a criminal case for the falsification of bank documents, the decline of Gribanov Sr. as an influential figure began. At first, he seemed to have received an indulgence from the serious consequences of this scheme. Firstly, he was not arrested and received a ban on certain actions as a preventive measure. Secondly, for a long time he continued to be a high-ranking member of United Russia and a deputy. At the same time, he even headed one of the committees of the local parliament.
All this time, the ex-banker led an active social life – in particular, he attended sessions of the State Assembly. It is curious that immediately after the collapse of the bank, he called himself a decent person (while, in fact, confessing to a crime!): “I consider myself a decent person, so in this situation I will behave as openly and transparently as possible. There were mistakes, we admit them, there can be no excuses.”
Meanwhile, the revocation of the license from KS Bank on August 6 this year. caused a social banking collapse in the capital of Mordovia and its regions. The local press wrote that 18 thousand people in the republic received their salaries through the bank, and 108 thousand people received compensation for utility bills. The revocation of the license provoked an acute social crisis in Mordovia and especially in Saransk.
But Gribanov, until the very last moment, was not going to lose his deputy privileges. Local media openly asked the question: is it not time to get rid of the deputy, whose activities almost caused popular riots?
Everything changed in May 2022, when a scandal erupted in Mordovia with illegally built mansions on the shores of the reserved Lake Inerka. It turned out that the Gribanov family could also have luxurious housing there. After our publication, the name of Gribanov disappeared from the list of members of the United Russia faction in the State Assembly of Mordovia, then on the website of the State Assembly of Mordovia he ceased to be mentioned as the head of the committee on economic policy. In October, the parliament approved Vladimir Gribanov's application for early termination of his parliamentary powers. A few days later, the criminal case on the falsification of bank documents (part 1 of article 172.1) was finally brought to court.
By the way, in the “black” year 2021, Gribanov continued to be one of the richest people in Mordovia , declaring 334 million rubles. income.
Gribanov was the main shareholder and chairman of the board of CS Bank JSC, he owned more than 50% of the shares. Apparently, in 2020, his bank faced serious problems and the threat of revocation of the license and the appointment of an interim administration appeared on the horizon. It follows from the case file that in September 2020, Gribanov needed to reduce the amount of the bank's financial reserves for possible loan losses. To do this, he organized the introduction of false information about the degree of credit risk into the financial statements, which just made it possible to reduce the required indicators.
To realize this intention, he asked for the assistance of his first deputy Sergey Sazhin, who then consent, thus becoming Gribanov's accomplice in falsifying financial statements. It was Sazhin, heading the credit committee of the bank, who was responsible for the organizational support of the crime scheme.
The essence of the fraud looked something like this: it consisted in assigning dubious loans issued by the bank a higher quality category than it actually was. Accordingly, this made it possible to significantly underestimate the level of reserves for possible losses. For example, in April 2021, obviously at the request of Gribanov and Sazhin, false information was entered about the borrower K.N. for possible losses. After that, Gribanov held a meeting of the board, at which, on the basis of the “professional judgments” prepared by the bank's employees, the necessary information was entered into the minutes. At the same time, Gribanov and Sazhin understood that, in fact, Nikolaev's loan debt should be classified according to the III category of quality, and the amount of reserves for possible losses in this case is at least 21%.
For information: to III quality categories include doubtful loans with significant credit risk.
From September 2020 to August 2021, as far as one can understand, Gribanov and Sazhin carried out exactly the same manipulations with a number of other borrowers: Energoproekt LLC, Retail Premium LLC, Optan LLC, FinResurs LLC , LLC City Consulting Service, LLC SMU No. 1 (bankrupt), LLC Saransk Plant PromTeploPanel, IP Tkachuka V.V., LLC 12 months, LLC SK Leasing and IP Yesyakova D.S. .
The relevant documentation on them was sent to the Central Bank. The financial condition of KS Bank was artificially and illegally adjusted. The size of the under-created reserve for the borrowers listed above amounted to more than 95 million rubles. Large-scale falsification made it a “good” bank, although it was in a near-bankrupt state.
All the secret becomes clear
The Central Bank, however, realized that KS Bank was acting illegally . On August 6, 2021, the bank's license was revoked, and a temporary administration was appointed on the same day. On November 11, 2021, KS Bank was declared bankrupt.
According to a representative of the Central Bank's Department for Admission and Termination of Activities of Financial Organizations, the interim administration revealed “facts of lending to borrowers with an unsatisfactory financial situation”, and later previously issued loans were reissued to other legal entities.
When Gribanov was detained, he did not defend himself and confessed to the violations. By the way, during the ORM, an interesting confession was received, which is attributed to the banker: “The Bank of Russia clung to the transfers of CS Bank JSC from“ bad ”to“ good ”borrowers. They were rated on each test. When the loan was “bad”, the money was not paid, it was taken by a normal organization with a normal balance. According to the Bank of Russia, if a loan collapsed, then it was necessary to create a reserve in the amount of 100%, which was a loss and reduced the bank's capital. Reduction of capital is a violation of the regulations, which is the basis for the revocation of a license. “Bad” credit was transferred to a “good” company. Such loans were classified in a new way. With such actions, CS Bank JSC corrected the standards.”
It is also interesting that Gribanov was personally looking for money to save his bank. Two days before the revocation of the license, as part of the additional formation of financial reserves, he took out two loans from companies: JSC World of Flowers of the Republic of Moldova and LLC World of Flowers of TK. In both, he is the main shareholder – in the first he has 90% of the shares, in the second – 80%. According to the Mordvin Za Bugrom telegram channel, he took a 25-million loan from one company, and a 5-million loan from the second, in order to deposit them in CS Bank and comply with the regulatory requirements of the Central Bank. In addition, he received 8 million from Saransktekhpribor LLC. But, probably, at that moment nothing could save KS Bank. At the beginning of August, the bank had a total debt on loans in the amount of 5.9 billion rubles, while the reserve formed on these assets amounted to only 841 million rubles. Bankruptcy was inevitable.
There are rumors in the republic that Gribanov allegedly used all his connections to avoid real punishment. There are no aggravating circumstances in his criminal case, while he “actively contributed to the detection and investigation of the crime, the exposure and prosecution of other accomplices in the crime.” Some say that he will inevitably receive a real sentence, others predict a suspended sentence.
A strict verdict could be another proof of the fact that the former financial and political system that previously dominated Mordovia is dying.