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Automatically translated version. May contain inaccuracies compared to the original.
🏦 And the second source after the little game is loans from Sense Bank)
We examined materials on only two loans.... but these are loans for 614 millions that should never have been approved by any bank)
📑 Loan one. “Volytsia-Agro”
A group of 9 agricultural companies, a grain elevator in Bila Tserkva. The real controller, Mykola Solskyi, was then the minister of agrarian policy.
Debt already – 384 millions.
🗓️ December 2023. The bank increases the limit by 100 million. The bank’s risk reports explicitly state what’s against it: “signs of funds being taken out of the business.”
Then 2 years: the risk class falls, 2 restructurings, the risks note “traces of funds being taken out.”
December 2025. The borrower, who is already not paying, asks the bank to approve another 80 million.
😱 March 2026. From the elevator, 130–140 thousand tons of grain disappear. Among the affected are ADM, Cargill, Kernel, MHP.
And only on 1 April, after the publications, does the bank recognize the default.
The conclusion word-for-word: “signs that the Bank concealed the default for 2024–2026 years.”
📑 Loan two. “Bioenergy-Vinnytsia”
A grain trader that changed ownership a year and a half before the loan. No assets. No order book. Sells to its own companies in Switzerland.
The bank’s business unit again writes: “the limit will not be covered by solid collateral.” The bank’s credit risk department also rejects it: “noncompliance with credit policy.”
🗓️ But.... 10 July 2024. The credit committee unanimously grants 100 million. Signatures: Zubchenko, Sokolov, Shklyaruk, Kuhtyuk, Stupak.
🤦♂️Another request and 20 November. The same committee, with the same composition, unanimously: 230 million.
Collateral at the decision date – 0,0%. Bank norm – 50%.
The guarantor was a Swiss buyer of grain who then didn’t pay himself. One of his directors was a Russian citizen until 2023.
💸 May 2025. Default. Overdue 231 million.
💁♂️ Here’s your credit window: hundreds of millions, against which the bank’s own risks were documented in writing. Twice. Yet the bank’s management still issued such loans....
https://youtu.be/SLzD3jcOQ4k?si=SH-VKfi8ozCHpQL3
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