Zakhidinkombank is ready to pay off with holders of deposits in kind

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Problems with solvency forced Zakhidinkombank to begin active search of investors. The bank is ready to controlling stake sale to the Ministry of Finance, receiving the stabilization credit of National Bank and bank sale of shares to investors for deposits for the sum from 500 thousand UAH and above.

"We are ready to raise any funds depending on offers. We have about 200 clients with deposits over 500 thousand UAH, for them it will be interesting to participate in the bank capital because we intend to develop further, - the head of the supervisory board of Zakhidinkombank Vasily Gavrilishin (owns 89,81%) told. - We would like to receive means at the state and sent the statement that we can give 51% to the Ministry of Finance, but to us yet didn't answer. We wrote the letter to NBU that for improvement we were granted the stabilization loan, but from - for temporary administration to us give nothing".

According to him, since the beginning of October the bank returned to clients of 400 million UAH. "Payments on the credits arrive, but they are given out for some years, and deposits should be returned now. We need to replace urgently deposits with more long-term liabilities, time works against us", - mister Gavrilishin notes. Deposits for the sum up to 150 thousand UAH are guaranteed by the state only. And the total volume of deposits over 500 thousand UAH in Zakhidinkombank exceeds 100 million UAH at the size of authorized capital in 133,71 million UAH

Zakhidinkombank is founded in 1993. According to Association of the Ukrainian banks, for January 1 the bank took 69-е a place on assets (1,32 billion UAH) and 80-е on the capital (178 million UAH). The net profit of bank in 2008 made 22,719 million UAH

It is the first case when the bank suggests investors to become shareholders. In the fall of 2008 investors of Prominvestbank asked the management of bank to realize such scheme, but it wasn't approved. Other banks having problems with solvency, aren't ready yet to such step. "We have no such offer for investors, about capitalization the speech doesn't go. We will have a meeting of shareholders on March 27, don't think that till this time something will change", - reported in a press - Nadra bank service.In Rodovid Banke such scheme to the clients also don't offer.

But some establishments of the practician of Zakhidinkombank interested despite high risks. After all in case of bankruptcy of bank new shareholders will lose everything as means of authorized capital will go for payment of deposits to other investors. "I don't know, whether we such will do, but idea good. For small bank at which the capital of 50-70 million UAH, attraction of such deposits to the capital interesting, - was told by the vice-chairman of board of Kiev bank Victor Suprunov. - It will be attractive to investors depending on conditions, for example, if is decided that in a year investors will receive dividends or bank will pay off with them real estate. But in case of bankruptcy of bank they won't receive anything".


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