In the biography of Andrzej Malczewski, there were success, career growth, and a sentence with a colony. Details of death in the colony of the founder of Mosoblbank Malchevsky: meningitis, pills, a mystery Alexander Malchevsky biography

The owner of Mosoblbank and the RFK banking holding, Andrzej Malchevsky, in 2010 “created an organized criminal group from his proxies” (there are five of them in total), follows from the indictment (Vedomosti has a copy).

Two of them - the former first deputy chairman of the board of the bank Dmitry Vasiliev and the ex-president of the RFK holding Alexander Malchevsky, son of Andrzej Malchevsky - were arrested in absentia and put on the international wanted list. In relation to Olga Lutsai, who headed the department of lending to individuals of Mosoblbank, a criminal case was separated into a separate proceeding, which was immediately suspended due to her serious illness.

Thus, only Malchevsky Sr. (arrested in June 2015) and former top managers of the bank Yulia Zedina (she is under house arrest) and Viktor Yanin (sentenced to six years for causing damage to the bank in the amount of 578 million rubles) will appear before the court. ). They are accused of embezzlement of the bank's property by deception and abuse of trust by an organized group and on an especially large scale (part 4 of article 159 of the Criminal Code of the Russian Federation). The maximum punishment is up to 10 years in prison. All three pleaded guilty and agreed on compensation for damages with Mosoblbank.

Andrzej Malchevsky's lawyer Andriy Solomenny expects that "the court will show indulgence" and take into account that his client admitted his guilt, repented, took measures to compensate for the damage, as well as "the state of his health."

“The defendants filed a motion to consider the case in a special manner – passing a sentence without a trial, questioning witnesses and examining evidence – and we expressed our consent,” says Mosoblbank lawyer Roman Golovkin. When considering a case in a special order (with the consent of the prosecutor), the punishment cannot be more than 2/3 of the maximum.

At the direction of Malchevsky, a scheme was developed that made it possible to circumvent the Central Bank's restrictions on accepting deposits from individuals and hide their real volume, the indictment says. For the first time, the document describes in detail the scheme for withdrawing money from the bank, it is described below.

Around October 2009, after the Central Bank ordered Mosoblbank to limit the acceptance of deposits, Malchevsky Sr. decided “on the need to continue the work of the bank in circumvention of the established instructions”, because otherwise “the bank would not be able to function due to its unprofitability”, told the main accused to the investigation. He collected in his office on the street. Solyanka, the son of Alexander, Yanin, Zedin and Vasiliev, and “set them the task of developing a way for the bank to work, in which<...>reports will be submitted in accordance with the established restrictions,” Andrzej Malczewski testified.

Vasiliev proposed to him a scheme for withdrawing from the bank's balance sheet the money accepted as deposits, allowing him to generate the required reporting for the Central Bank. Malchevsky agreed and "gave the command" to take all measures to implement the plan. In October-November 2009, his son Alexander and Yanin formed the so-called "VIP department", which officially did not exist in the bank (see inset).

Its employees (at first it was two people) were tasked in the Inversion XXI Century program to perform “operations on the accounts of individuals – bank depositors necessary to conceal reporting”. Malchevsky ordered to explain to the employees of the "VIP department" that this is necessary "to distort the reporting to the Central Bank." In December 2009, the instructions of the Central Bank expired and Malchevsky ordered to restore all deposits on the bank's balance sheet. At the same time, he remarked to himself that<...>scheme<...>works successfully and allows not only to distort reporting<...>but also to make debit transactions on customer accounts.

Lutsai organized the withdrawal of money to the cashier's account of the additional office "On Tkatskaya". And she brought cash to Yanin, Vasilyev or directly to Malchevsky Sr. Daily debited amounts varied from several hundred thousand to hundreds of millions of rubles.

Malchevsky, it follows from his testimony, gave instructions to his son, Zedina, Vasiliev and Yanin, how to manage money. That is how the accounts of the equestrian club "Levadia" (now NKP "Rus"), controlled by the bank MFO "Ramfin" and RIK, received money written off from the accounts of depositors.

Around 2013, Malchevsky established “obligations to Solyanka”, according to which his son “had to collect the amounts designated” by his father from the heads of these organizations and transfer them to him. Zedina, Yanin and Vasiliev "were also aware" of this. On behalf of Malchevsky, they converted the funds into foreign currency, credited them to the account of the RFK structures or the Finholcom consortium, or deposited them in safes rented from other banks.

By the beginning of the reorganization - by May 5, 2014 - Mosoblbank was "on the verge of bankruptcy, since it worked on the principle of a pyramid, paying one depositor cash at the expense of others, but the size of the kidnapped increased at the same time.

According to an employee of the Ministry of Internal Affairs, this corresponds to the plot of the charge. “We have reviewed the case file and believe that the guilt [of the accused] has been fully proven,” Golovkin said.

At the direction of Malchevsky, the stolen funds went to the construction and support of the NCP "Rus", the acquisition of land in the Moscow, Tula and Arkhangelsk regions, real estate in Moscow, financing of the companies of the RFK holding and the Finholcom consortium (in particular, for salaries, rent of premises, development of a branch Mosoblbank networks). “The development and strengthening of business also meant the strengthening of his personal financial situation,” Malchevsky’s testimony, cited in the indictment, says. “Some part” Malchevsky, according to his confession, “sent for personal expenses, and also allocated” to his son, Zedina, Yanin, Vasiliev and Lutsai - “in different periods in different amounts, the size of which he does not remember exactly.

The investigation found no circumstances aggravating the punishment of Malchevsky, Zedina and Yanin. And as mitigating, they indicated that everyone had young children and voluntary compensation for damage, and Zedina also “actively contributed to the disclosure and investigation of the crime.”

Prestigious department

Employees of the "VIP department" received higher salary, in connection with which other bank employees often asked them to be employed there, according to Zedina's testimony. Its employees deducted funds from the accounts of depositors without their knowledge. The cashiers confirmed these transactions and issued the money to Lucai or to someone at her direction without completing any documents. Before the checks of the Central Bank, a mass of expenditure cash warrants was created for the accounts of depositors, and the signatures on them were performed by bank employees. When "the volume of documents that required the signatures of depositors reached prohibitive volumes, not all documents began to be drawn up, often they simply were not done."

Svetlana PETROVA

Other prisoners tried to save the banker

The founder of Mosoblbank, Andrzej Malchevsky, convicted of fraud on the night of June 16, 2018. Shortly before this, a bedridden patient applied for parole. The court refused him with the wording: "Does not work in a correctional facility." According to one version, Andrzej died of meningitis.

Help "MK": "Andrzej Malchevsky was arrested. According to investigators, he and his son Alexander withdrew funds from the balance of Mosoblbank, cashed them out and stole them.

In April 2016, Andrzej Malchevsky was sentenced to four years in prison and a fine of 400 thousand rubles. Malchevsky did a lot of charity work, supported the development of equestrian sports. Has gratitude from the President.

This is the very sad case when we knew about a possible tragedy, but could not prevent it. Last November, MK received a letter from convicted prisoner No. 6, in the Ryazan region. He wrote not about himself, but about a banker who was serving a sentence there.

“A man is sitting with me, you should know him, this is Andrzej Malczewski. He is in critical condition, fading before our eyes. He was driven to this."

The author of the lines did not indicate any details, he only reported that the banker had officially bed rest. That is, he could not even go to daily constructions, not to mention work. However, the court denied him parole, citing the fact that Andrzej did not work behind bars. “This is absurd! Help him! To be released on parole is the only salvation for him, he will not survive here, ”the letter said.

Alas, there are also not so crazy stories with parole (there was, for example, a case when a judge refused a person who had been in prison for 10 years with the wording “not enough time has passed for him to get better” or when a servant of Themis simply wrote “did not convince the court, that embarked on the path of correction). But the newspaper was unable to influence the judge's decision on the issue of parole. Six months have passed since the receipt of the letter, and Malchevsky died.

On June 12, he became ill, - says a source in the Federal Penitentiary Service for the Ryazan region. - He was hospitalized in the hospital at the colony. And there he died three days later.

But from what exactly? What ailment did he have? The guards do not answer this question.

He had arthrosis, - says Alexander K., who was serving a sentence in the same detachment with Malchevsky. - But they don’t die from this. And then he was diagnosed with meningitis and began to be fed with pills. He considered his criminal prosecution ordered, he said that this was the work of influential people who took away all his companies and banks (he had a whole holding). He feared them even behind bars.

The Federal Penitentiary Service promises to conduct an investigation into the death of the banker. In the meantime, his lawyer says that there are no signs of violent death.

At the direction of Malchevsky, a scheme was developed and implemented that made it possible to circumvent the Central Bank's restrictions on accepting deposits from individuals and hide their real volume, the indictment says. Employees of the officially non-existent "VIP department" made transactions on the accounts of depositors, as a result of which funds were withdrawn from the bank's balance sheet and hidden from official reporting. Theft was carried out in the premises of the head office of the bank on the street. Solyanka, and then Bolshaya Semenovskaya, as well as the additional office "On Tkatskaya". Until 2013, illegal debiting of money was carried out to the cash accounts of the head office of the bank and the additional office "On Tkatskaya" (there were jobs for employees of the "VIP department"), and then to the settlement accounts of the companies "Ramfin" and "RIK", included in the holding "RFK". As a result of the activities of an organized group led by Andrzej Malchevsky, fraud was committed, “by deceiving the employees of the bank and the bank holding RFC and abusing the trust of individual bank customers”, at least 68.29 billion rubles were stolen from Mosoblbank, the conclusion says.

For the first time, the document describes in detail the scheme for withdrawing money from the bank, it is described below.

Prestigious department

Officially, the "VIP department" did not exist, its employees were listed in other positions and received increased salaries, in connection with which other bank employees often asked to be employed in this department, according to Zedina's testimony. The "VIP department" worked in two shifts, two working days and two days off. Its employees in the ABS program "Inversion XXI Century" carried out operations to write off funds from the accounts of bank depositors without their knowledge, to the cash desk. At the same time, the cashiers confirmed the specified operations in the program and issued the money to Lutsai or to someone else at her (Lutsai's) instructions, without completing any documents. Before the checks of the Central Bank, bank employees processed the documents of the day, for which they massively created debit cash orders for the accounts of depositors. Since all write-offs, as well as the expenditure of funds from the accounts of individuals, were carried out by employees of the “VIP department” without the knowledge of depositors, the signatures in cash debit orders and other documents (in the case of non-cash transfers) were performed by bank employees. Employees of not only the “VIP department”, but also other services were involved in the design and filling of documents for the contributors. After checks by the Central Bank, such documents, as a rule, were destroyed. Every day, from several thousand to several hundred million rubles were debited from the accounts of private depositors. When "the volume of documents that required the signatures of depositors reached prohibitive volumes, not all documents began to be drawn up, often they simply were not done."

Around the end of December 2009, Malchevsky ordered his son, Zedina, Yanin and Vasiliev to resume the work of the “VIP department” from January and to tell employees about the instructions of the Central Bank, so that workers who “understand that they are acting contrary to established rules and regulations, have developed the opinion that their actions are aimed at concealing real reporting<...>rather than embezzlement." In reality, the money deducted from deposits began to be stolen "by cashing out through the cash desks of the bank." According to Vasiliev, Yanin and Zedina, Malchevsky knows that a copy of the main base of the Inversion XXI Century program - OBD was made for the employees of the "VIP department". Debit transactions were carried out in it on the accounts of depositors, which led to the debiting of funds to the accounts of the bank's cash desk, "while the corresponding expense documents were falsified by the bank's employees, since ... they were drawn up in the absence of depositors and their will." At the same time, employees were told that this was necessary "in the interests of the bank to conceal reporting to the Central Bank." Over time, the number of the “VIP department” has increased several times, which was caused by an increase in the workload.” (It lasted until May 2014 - the beginning of the rehabilitation of Mosoblbank).

In order to accumulate funds, Malchevsky “involved his old acquaintance, whom he trusted” - Lutsai, in committing theft. She “seized them from the settlement and cash centers of the head office of the bank, controlled and organized, at his direction, the seizure of funds illegally debited from the accounts of depositors” to the account of the cash desk of the additional office “On Tkatskaya”. And she brought cash to Yanin, Vasilyev or directly to Malchevsky Sr. The amounts debited daily "varied from several hundred thousand rubles to several hundred million rubles."

Malchevsky, it follows from his testimony, gave instructions to his son, Zedina, Vasilyev and Yanin, how to manage money. That is how the accounts of the equestrian club "Levadia" (now NKP "Rus"), the MFO "Ramfin" and the RIC, received money written off from the accounts of depositors.

Vasiliev most often reported on the work of the “VIP department”, and Yanin and Zedina were also involved in coordinating and optimizing its work, according to Malchevsky’s testimony. To cover up illegal operations, Malchevsky instructed Zedina "as the curator of the legal service of the bank, to develop regulatory and legal documentation" that allows the recovery of funds on the accounts of depositors who applied for statements or for closing deposits.

By the beginning of the reorganization - by May 5, 2014 - Mosoblbank was "on the verge of bankruptcy, since it worked on the principle of a pyramid, paying money to some depositors at the expense of others, but the size of the stolen money increased at the same time."

Where the money of Mosoblbank depositors was withdrawn

The promised twenty minutes, during which you can drive 15 km from the Moscow Ring Road along the Kashirskoye highway to the Rus equestrian park, turned into a Saturday morning at ten o'clock. The first thing that catches your eye is a huge administrative complex built in the style of ancient Russian chambers. Nearby is a small zoo, followed by sports arenas. Near the beach, for which Spanish sand was specially ordered. There is even a small circus on the territory. All this is the domain of the former owner of Mosoblbank (MOB) Andrzej Malczewski. A few years ago, as they say, with the money of Mosoblbank, he equipped this equestrian park on an area of 250 hectares. They say that the idea of the equestrian park belongs to the former speaker of the State Duma, the ex-head of the Russian Equestrian Federation, as well as the chairman of the board of directors of Mosoblbank Gennady Seleznev. “In the mid-2000s, Malchevsky worked in the State Duma,” explains the interlocutor of Ko. “On the basis of his love for horses, he got along with Seleznev, and after the speaker resigned, he invited him to his bank in 2009.”

“Gennady Seleznev is a famous horseman. He takes part as a jury member in many competitions, keeps his own jumping horses,” says Valery Mishchenko, Chairman of the Board of Directors of Kaskad Family. According to him, before the KSK "Rus" was built, Seleznev's horses were based in the Olympic training and sports center "Planernaya", a few kilometers from Moscow along the Novoskhodnenskoye highway. “The system-forming people for the complex are starting to think more and more about creating their own bases,” notes Valery Mishchenko. “The same logic can be traced in the story with Rus.” Gennady Seleznev himself refused to answer Ko's questions.

Keeping a horse is expensive. Wait costs about 60,000-80,000 rubles. per month plus the cost of a bereator (a trainer who keeps the horse in shape). On average, a good club gets at least 100,000 rubles. monthly. Given the not very favorable location (south - not west and not north), stay in "Rus" should be cheaper. “A good complex, built by missionaries who would like to be involved in sports,” says Georgy Dzagurov, general director of Penny Lane Realty. “But the place is not quite right. The presence of free land in the vicinity would increase their capitalization. Could build cottage settlements or townhouses, as is done in the CSC Otrada or Novy Vek. But there are no free fields in the vicinity of "Rus".

250 hectares are 303 football fields put together, so there is no feeling of a crowd in Rus. On the contrary, there is a shortage of the public. At the end of May, with half-empty stands, Western competitions were held at the main arena. “KSK Rus” is one of the largest equestrian sports projects of recent times, gigantic investments (an amount of 3 billion rubles appeared - Note “Ko”), says the owner of one of the small equestrian clubs. - On its territory there are several separate sports complexes For various kinds sports, the construction of a hippodrome is planned.

The construction of one arena costs at least $5 million. Six have already been built in Rus. “They were erected in a hurry, in a hurry to compete,” notes the interlocutor of “Ko”. - Two weeks after the opening of the KSK "Vivat, Russia!" (part of "Rus") the plaster at the new complex has already begun to fall off. And yes, they are still going on construction works. In some places, money is simply buried in the ground: either their hotel will slide into a ravine, or the parade grounds will be washed away. The real estimate of the project can be doubled.”

What does Orlov have to do with it?

Ambitions of Mr. Malchevsky over the edge. National Equestrian Park "Rus" positions itself as the largest amusement and recreation theme park in Russia, located in the former estate of Count Alexei Grigoryevich Orlov-Chesmensky. There is a beautiful story with the Oryol trotters and the Russian horse, bred at the count's stud farms. However, no connection between Orlov and KSK, except for the name of the village of Orlovo, next to which the park is located, could not be found. Alexei Grigorievich was born in the Tver province, his stables were near Strelna, not far from St. Petersburg, and after retiring, the count lived in Moscow. His noble estate "Neskuchnoe" is now part of the TsPKO them. Gorky, and the Khrenovsky stud farm, where horses were bred, was located in the Voronezh region. We can talk about the Ostrov estate, which belonged to the count and is located a few kilometers from the KSK. Indeed, a large stud farm was founded there in the 18th century. But the first experience was unsuccessful. Thoroughbred horses, not adapted to indoor stalls, died. There are quite a lot of similar inconsistencies in the biography of Malchevsky.

Moskvich, graduate of the Moscow Aviation Technical Institute. K.E. Tsiolkovsky (mechanical engineer), after the institute he worked for three years at the defense NPO Fazotron. In 1990, Malchevsky became the commercial director of the Rehabilitation-F cooperative, created by the Russian Charity and Health Foundation, and a year later he founded his own small business, Bios, to produce equipment for people with disabilities.

Andzhdey Malchevsky's career changed dramatically in 1995. First, he became the first deputy general director, and a year later, the general director of the capital's OJSC Kartontara in Tekstilshchiki. Sources of "Ko" say that his partners in this project could be infamous bankers, the father and son of Krestina, associated with the bankrupt CB "Moscow Capital", from which he bought Mosoblbank.

“In the process of reforming, Malchevsky brought the enterprise (“Kartontaru.” - Approx. “Co”) from Moscow to the Astrakhan region, where it functions to this day,” says the website of his Finholcom holding. However, these are just words from the site.

Cardboard banker

Kartontara is a subsidiary of OJSC Southeast Industrial Company KT (YuVPK), which is associated with the ex-co-founder and chairman of the board of Moscow Capital bank Viktor Krestin and his son Roman (deputy chairman of the board of the same bank). Among the founders of the YUVPK, as Co managed to find out, there was a certain Capital-Region XXI Century LLC. Anna Dunaeva was listed as its general director. The same LLC was the founder of CB Moscow Capital. "Ko" failed to find out what relation Anna Dunaeva has to the ex-co-owner of Finance Business Bank Leonid Dunaev and his brother, General Director of the Management Company "Proekt" Alexander Dunaev, who are suspected of being involved in the attempted theft of 120 real estate objects in Moscow. Other suspects in this case were another former co-owner of Finance Business Bank Alexei Bolotin, ex-head of the Moscow department of the Federal Property Management Agency Anatoly Shesteryuk, Viktor Krestin and Mikhail Bashmakov, who was the bankruptcy trustee of Moscow Capital.

According to investigators, Rosimushchestvo officials gave expensive state-owned real estate to controlled abandoned state-owned enterprises that had no property and staff, and then alienated them with the help of Moscow Capital Bank under the guise of paying debts. But the investigation failed to prove their guilt. “We have not yet received any objective evidence indicating the involvement of the defendants in the commission of this crime,” the investigating authorities said. It was decided to withdraw the historical buildings from the file into a separate proceeding, and now “unidentified persons” appear in it. But Shesteryuk and Krestin went on trial on charges of embezzlement of three gas stations near Moscow and land plots under them.

The purpose of the withdrawal of Kartontara from Moscow was the territory under the industrial enterprise, but it still remains undeveloped. OJSC South-Eastern Industrial Company KT, of course, together with the land plot, was sold to PPF Real Estate Holding (a subsidiary of the Czech PPF Group) only in 2012. There is nothing about the activities of Kartontara in the Astrakhan region now known.

For two years, from 2004 to 2006, Malchevsky worked in the apparatus of the State Duma, where he became friends with Gennady Seleznev. Information about his activities, posted on the website of the lower house of parliament, is extremely scarce. Presumably, he could hold the position of assistant to one of the deputies. Unexpectedly, in 2006, Andrzej Malchevsky decided to change the type of activity and, together with the former top managers of the United Transport Bank, in particular, Viktor Yanin, bought Mosoblbank.

Curiously, the previous owners of MOB were Victor and Roman Krestin. In 2005 they sold their shares to a “group individuals”, according to expert estimates, for about $ 4 million, and a year later, Andrzej Malczewski's structures became the bank's shareholders. This is how the basis of the Finholcom-Group banking holding appeared. Later Finholcom included Inresbank, Contrast-Bank and Finance Business Bank. The last two banks were purchased from Leonid Dunaev and Aleksey Bolotin, who are connected with the Krestins.

Benefactors

Andrzej Malczewski is vain. “An avid hunter and lover of horses, a philanthropist with an equestrian Orthodox accent,” is how a businessman familiar with him speaks of him. A few years ago, the banker established the charitable National Saint Tryphon Foundation, in which he headed the board of trustees. Among the recognizable faces of the council are State Duma deputy Alexei Mitrofanov and Gennady Seleznev. Of the priority areas of activity - "the revival and development of primordial hunting traditions, the preservation and improvement of the quality of hunting and fishing grounds, the organization of excursion and tourist work." Naturally, plus the charity itself.

Another thing is interesting: the foundation lives and works at the expense of grants. “The premium grant (…) is one of the main instruments for implementing the foundation's charitable activities. The foundation's granting system is based on collecting donations from philanthropists and distributing them among the recipients through a collegial review of applications submitted by applicants by a specially formed commission, according to the foundation's website. “The merits of philanthropists (donors) in accordance with the contribution made are marked by the decision of the committee with an appropriate diploma and an honorary badge (order) - the cross of the Holy Martyr Tryphon of three degrees.” Speaking in Russian, the more money a philanthropist has paid, the more likely he is to receive an order from the foundation.

The money goes to various charitable programs and is distributed by the same award committee. For example, for the construction of a family recreation center "Badger" in the Tula region. The rates for vacation there, by the way, are rather big. The cost of a double room starts from 4000 rubles. per day, the presidential quadruple costs already 15,000 rubles. And such a recreation center is not the only one. Other assets include the motor ship Vliyatelny, the Yary breeding kennel, the Dolgolugovskoye dog training center, the Ves hotel, Krechet LLC, and the Gusiny Ostrov recreation center. Coincidence or not, but while working on the material, the website of the charitable foundation with detailed information about its activities was closed for reconstruction ...

Chest in crosses

Passion for all kinds of titles and orders - weakness Mr Malchevsky. He is the owner of the Order of Peter the Great, I degree, the Order of Lomonosov, the Order of the Patron of the Century, the Order for the Preservation cultural heritage of Russia”, the Order of the Holy Apostle Andrew the First-Called “For Mercy and Generosity”, medals “For Valiant Labor”, “For Strengthening the Russian State”, “For Contribution to the Development of Local Self-Government” and some other commemorative medals. He has a cross of the Russian Cossacks "For the Faith and Service of Russia", a breast cross "Cossack Glory", a breast cross "For Merit to the Central Cossack Army", a certificate of honor for merits and a great contribution to the development and strengthening Russian state, a memorial sign of the Governor of the Volgograd region "70 years of Victory in Battle of Stalingrad”and even a memorial sign and thanks to the parliament of the Chechen Republic. For what merit are all these awards?

The Order of Peter the Great is awarded to citizens for a selfless deed, courage, courage and heroism shown in the performance of military, official and civic duty, for high achievements in state, industrial, research, social, cultural, public and charitable activities. This insignia was established by the Academy of Security, Defense and Law Enforcement (ABOP). But the activities of the academy itself arose claims from law enforcement agencies. They suspected the organization of handing out their orders and medals for money. “The ABOP and the National Committee, contrary to the current legislation, established 73 types of identical state awards, including orders, medals, badges, and also established academic degrees, introduced uniforms similar to military uniform, as well as military ranks ... - said in a statement from the Prosecutor General's Office. “... Samples of diplomas and certificates issued by the academy are similar to state diplomas and certificates, which does not exclude their use as such ...”. All this, according to the prosecutor's office, "...creates conditions for corruption and discredits the government..." The annual budget of the ABOP was about $1 million. . The Order of Lomonosov was also established by the ABOP. Paradoxically, both the Order of Lomonosov and the Order of Peter the Great still appear in the official biography of Malchevsky.

The founder of the order "Patron of the Century" is unknown, but an international charitable foundation worked with this name, the website of which is not loaded, and the phones indicated in the directories are not serviced.

The organizations that established the Order of the Holy Apostle Andrew the First-Called “For Mercy and Generosity” and “For the Preservation of Cultural Heritage” are still working. This is a charitable foundation for the support of young talents "Runway" and the Central House of Actors. A.A. Yablochkina. The commemorative sign "70 Years of Victory in the Battle of Stalingrad" is a distinctive sign of belonging to participation in a grandiose battle. But what does a banker born in 1963 have to do with this? And what are the merits of Malchevsky to the Central Cossack Army?

“My competence included the general leadership of the Central Cossack Army, including orders for awards. But I haven’t heard anything about the presentation to the Cossack crosses (“Cossack Glory” and “For Merit to the Central Cossack Army.” - Note “Ko”) Andrzej Malchevsky, – told “Ko” a member of the board of the army, Cossack colonel Vasily Solovyov. “There was no such order for the army, but unscrupulous employees could award without wide publicity.” According to him, the government abolished all Cossack awards on September 1, 2011 (they are now invalid) and put into circulation only a small list of orders and crosses, which are awarded to recognized Cossacks. All awards are now strictly regulated. “It is possible that the foreman of the farm Cossack society “Nagatinsky Zaton” Mikhail Kozlov may be involved in this story, Vasily Solovyov suggests. “His son worked at Mosoblbank.” The colonel did not remember the details, but in the additional office of the Na Fergana bank, Dmitry Mikhailovich Kozlov, possibly the son of the foreman of the Nagatinsky Zaton, worked as a manager. Mikhail Kozlov did not answer Co's questions, emphasizing that he "does not know personally" Malchevsky himself.

Perhaps one of the few real awards can be considered the gratitude of the President "For the achieved labor successes, many years of conscientious work and active social activities". Although this is a rather controversial wording, given the problems that Mosoblbank faced two and a half years ago.

banking crisis

In November 2011, the Moscow Territorial Administration of the Central Bank issued an order to Mosoblbank restricting the bank's acceptance of deposits from the public. The MOB then very gracefully circumvented the ban. The fact is that the prescription did not apply to the shareholders of the bank. The National Fund of St. Tryphon was involved in the case, giving securities to depositors as a charitable action. “The scheme that made it possible to circumvent the regulator’s ban has entered the annals of banking,” says Maxim Osadchiy, head of the analytical department of BKF Bank. But from a legal point of view, it was impossible to find fault with the bank.

Two years ago, Andrzej Malczewski pretended to retire. He handed over control of the bank to his son Alexander. So, Malchevsky Jr. became the owner of 80% of the shares of the Republican Financial Company (RFC), which owns 74.19% of the bank. 28-year-old Alexander at that time was already the president of the RFC banking holding, headed the RFC supervisory board and was a member of the board of directors of Mosoblbank.

At the end of last year and the beginning of this year, the bank's problems increased. According to Maxim Osadchy, the MOB has approached the dangerous line according to the H1 standard. But then the owners found a way to improve the indicator: at the expense of "gifts" from shareholders. In 2013, Mosoblbank was the leader in this indicator, its income from "gifts" increased by 11.4 billion rubles, while the previous year the bank's figure was 0.7 billion rubles. Growth by 16 times. In the first quarter of 2014, income from donated property amounted to RUB 2.8 billion. If compared with profit before tax (2 billion rubles), it turns out that the loss, excluding "gifts", would amount to 0.8 billion rubles. This usually occurs, usually in the form of a transfer of real estate that is valued above market value and is most likely purchased at the expense of creditors. In fact, all these figures indicate that the bank is being pumped up with capital.

The Central Bank came to its senses, and an inspection raided the MOB. When the Central Bank saw what was happening there, they were horrified. About 60 billion rubles were found, attracted from depositors, but not reflected in the balance sheet. As of May 1, on the balance sheet, the volume of attracted funds from individuals is 17 billion rubles. The funds were not reflected due to the work of a special macro, which, on the evening of the day when the citizen's funds were placed in the deposit, automatically terminated - allegedly at the request of the depositor - the contract and entered into another, for example, for the purchase valuable papers and some companies associated with the structures of Malchevsky (Republican Financial Corporation, which includes Mosoblbank and Inresbank; Republican Microfinance Agency, etc.). This “fresh” scheme allowed the bank, despite the limitation of the Central Bank in terms of the amount of funds raised from citizens, to finance non-core business - KSK Rus, the National Fund of St. Tryphon with a falconry training program, development projects, hunting grounds, etc.

You can't go bankrupt

As a result, the Central Bank decided to sanitize the MOB with the help of the SMP Bank, the Rotenberg brothers. It will cost him 94 billion rubles. They will be allocated for ten years at 0.51%. “When I was saving Russian Capital, about the same size as Mosoblbank, they gave me 8.5 billion rubles. at 6% per annum. And then four months later the bank was taken away,” recalls Alexander Lebedev, founder of the National Reserve Bank. Why did they decide to sanitize the MOB, while Andrzej Malczewski is still at large?

The first and, apparently, the main reason is the need to help the Rotenberg brothers, who fell under US sanctions in connection with the Ukrainian events. The second is the deficit of the reserve fund of the Deposit Insurance Agency (DIA). The size of the fund as of May 7, 2014 is 195.7 billion rubles. If we subtract the formed reserve for payments for insured events that have already occurred, the DIA will have 157.6 billion rubles. Hence minus 60 billion rubles promised to Crimean investors. The total is less than 100 billion rubles, and the withdrawal of licenses continues. Bankruptcy of Mosoblbank would devastate the "piggy bank" of the DIA.

The third reason that could soften the attitude towards the bank is the exemplary behavior of the owner. Mr. Malchevsky actively began to cooperate with both the Central Bank and the DIA. He even made a statement about his readiness to compensate depositors for lost money in case of force majeure. The management and owners of the bank refused to communicate with "Ko" during the preparation of this material. But it looks like the relationship between them has become tense.

In one of his latest statements, Malchevsky indirectly tries to blame the bank's top managers for what happened. “Distortion of reporting by the governing bodies misled the regulator, but could not harm creditors and depositors, since the assets of the Republican Financial Corporation were enough to cover the debt,” it says. open letter. It also tells the prehistory of sanitation. “On April 30, 2014, Finholcom Group took possession of 70% of the shares in the authorized capital of OJSC Republican Financial Corporation and, accordingly, gained control over Mosoblbank. Having studied the state of affairs, on May 5 we were instructed to correct the reporting of the organization and apply to the DIA Group with a request to reorganize the bank (providing a sufficient amount of assets) to allocate a loan to the reorganizing organization, ”the document says.

It is hard to imagine that the business owner was not aware of the withdrawal of depositors' funds from Mosoblbank in the amount of 60 billion rubles, especially since this money remained in the holding structure. “After the schemes for withdrawing deposits were revealed, a lot of interesting things were found there,” says a representative of SMP Bank. “For example, inadequate asset valuation.” However, according to him, the bank has a written assurance from the former shareholders of Mosoblbank that there are "some significant assets that can be used to correct the situation in the bank." SMP Bank is now carefully checking all the documents, and they do not exclude that they will find something new and unexpected. The situation may turn out to be worse than originally thought.

Thus, the owner of Mosoblbank, still unknown to the general public, can not only enter the annals of banking with his schemes for attracting depositors, but also interest the investigating authorities. It is clear that, most likely, SMP Bank will correctly dispose of the assets of the National Fund of St. Tryphon, and KSK Rus, and all the rest that were part of the Finholcom group. Moreover, in the family of Boris Rotenberg, horses are also not indifferent. His second wife, Karina Rotenberg, is currently the head of the Moscow Equestrian Federation. So KSK "Rus" may have a good future.

Andrey Krasavin

The founder of Mosoblbank, Andrzej Malczewski, died in a colony at the age of 56. The prisoner spent two years out of the prescribed four years in prison. On the eve of his death, Andrzej became very ill and was transferred to a hospital, from which he never returned. Nothing is yet known about the causes of death, but the lawyer of the late Andrei Solomenny assures that his client died due to illness.

Andrzej Malczewski was convicted in 2016 of fraud. According to the materials of the case, the former banker, together with managers, withdrew the money of 350,000 depositors from Mosoblbank in the amount of 76 billion rubles. To do this, the scammers created a VIP department, through which transfers with distorted reporting were made.

Andrzej Ryshardovich Malchevsky was born on May 6, 1963 in Moscow. The boy's mother worked as Chief Expert in State Committee USSR in science and technology, my father held important positions in the enterprises of the electronic industry in Poland.

Andrzej graduated from an ordinary secondary school in the capital, then entered the Aviation Technical Institute, where he studied at the Faculty of Processing Technologies polymer materials. By profession, the future banker was a mechanical engineer.

After the institute, Andrzej went to work at the Fazotron military-industrial complex enterprise, where he grew from an ordinary engineer to a shop manager. Then he was the secretary of the Komsomol committee and worked with difficult minors.

In the 90s, the career of Mr. Malchevsky was rapidly going up.

In 1991, Andrzej Ryszardowicz took the position of Commercial Director of the Rehabilitation-F Foundation. A year later, he opened an enterprise that was engaged in the production of equipment for people with disabilities and the construction business. In 1995, he took the post of deputy general director of the Kartontara organization, and soon he himself took the main post.

In 2009, Andrzej was awarded the title of "Person of the Year", which was awarded to him by Russian Academy natural sciences for their contribution to the development of Russian regions. In the same year, he took up banking.

Mosoblbank was the first and only bank opened by Andrzej Malczewski

For the first time, Russians heard about Mosoblbank in 2010, when, during the crisis, it managed to open more than 300 branches throughout the country. During the period of its existence, Mosoblbank has been awarded many criteria in the development of banking. In 2012, the institution passed into the hands of Malchevsky's son Alexander. And a few years later he entered the top 100 banks in Russia.

In addition to banking, Andrzej Malczewski loved to engage in equestrian sports and invested a lot of money in its development. So, in 2012, the construction of the Rus equestrian park in the Moscow region began, which was supposed to become the largest in Europe.

Four years ago, the first horse riding competition in Russia among Paralympic athletes “Vivat, Russia” was held there. After the conclusion of Malchevsky in a colony, the park was withdrawn.

Andrzej Malczewski was also fond of hunting and fishing. He was active in social activities. IN personal life the banker also everything went well. In addition to his son Alexander, Malchevsky also has a daughter, Anna, who bears her mother's surname.

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