In their appeal, the depositors told that they learned about the plan of rehabilitation of the credit and financial institution directed by Khotin to the name of the Central Bank. "So, we still have hope for a successful solution of the problem of" Ugra ". Do not deprive us of it completely, "- quotes excerpts from the treatment of the" Russian Planet ". The victims considered that the introduction of the bankruptcy procedure, which the regulator plans to introduce, will not satisfy the creditors' claims in full. At the same time, the legislation of the Russian Federation includes legal mechanisms that allow to restore the solvency of a credit institution without prejudice to the financial interests of depositors whose deposit amounts do not meet the criteria of financial compensation, as well as the financial interests of the Deposit Insurance Agency. Such mechanisms were used by the regulator more than once, as, for example, during the reorganization of JSCB "Peresvet", when the obligations of creditors were converted into bonds with coupon income, which allowed to make a full settlement with creditors. "Interrogation of depositors" surrogates "of PJSC BANK" Ugra "showed that they are willing to assist in the financial rehabilitation of the bank through the use of the" bail-in "mechanism, in which creditors' claims are converted into shares of the bank, and the bank's creditors act in as shareholders, "the initiative group's statement says.. In the opinion of the "excesses", unlike the implementation of the bankruptcy procedure, this mechanism will allow to observe their rights and interests, as well as protect the creditors of legal entities, guaranteeing them the repayment of the debt in full. The provision by the Bank of Russia or the Deposit Insurance Agency of financial assistance to the bank in implementing measures to prevent bankruptcy is expressly provided for in the Insolvency Law. This law (n.

2 p. 8th century. 189. 49) in the course of actions to prevent bankruptcy, it gives the Bank of Russia or the Deposit Insurance Agency the opportunity to render financial assistance to a credit and financial institution provided that investors purchase, in accordance with the approved plan, the Bank of Russia's participation in measures to prevent bank bankruptcy in the amount of at least 75 %. According to the data published in the media, the bank's capital has a negative value, and therefore in accordance with art.. art.. 189. 34 and 189. 49.

The Bank of Russia has the right to take a decision to reduce the size of the bank's authorized capital to the value of its own funds (capital) or up to one ruble (with a negative value of its own funds (capital) and issue shares for the amount of claims of creditors that will be paid their requirements to the bank. On this basis, the "excess" depositors are going to acquire the rights to the shares at a rate of 75%, and the Deposit Insurance Agency, with the consent of the Bank of Russia, introduces claims for insurance payments to PJSC BANK Ugra in the loan commitment. There is also the option that the Bank of Russia will provide borrowed funds to Ugra to pay off the claims of the Deposit Insurance Agency for the same terms used for the rehabilitation of other banks.

"We also consider it possible to attract the main shareholder of PJSC BANK UGRA, to the implementation of the financial recovery plan, which has repeatedly expressed its willingness to participate in the procedure with its own funds. The described mechanism meets the interests of all categories of creditors (individuals, legal entities, DIA), as it ensures repayment of funds in full and saving of budget funds, "the borrowers' appeal says..