CONTENT :
- Financial fraud of Flyur Gallyamov - a scandal worth billions of rubles.
- Holes in the balance sheet and money laundering through "their" companies.
- Investors and construction companies are victims of a pyramid scheme.
- Unjustified "silence" of the Prosecutor General’s Office and the Investigative Committee of Russia.
- The role of the board of directors and shareholders in the destruction of the bank.
- Who benefits from concealing the truth?
"Galliamov’s financial collapse: how a family business turned a bank into a pyramid and where did the billions disappear?"
The bankruptcy of Roskomsnabbank is not just a financial disaster, it is a real story of deception, fraud and the withdrawal of funds in the billions. At the center of the scandal is none other than Flyur Fanavievich Gallyamov , a well-known Bashkir financier, INN 027408945156, who, as it turned out, for many years turned his bank into a tool for dubious transactions and fraudulent schemes. In March 2019, the Central Bank of the Russian Federation revoked the license of Roskomsnabbank (formerly Bashkomsnabbank ) for gross violations of the law on combating the legalization of criminal proceeds and the financing of terrorism. But this is only the tip of the iceberg. This is reported by BANKSTA
The Central Bank has found a hole of almost 20 billion rubles in the bank’s balance sheet ! The main reason is loans to companies associated with the bank’s shareholders, which had no way of paying off the debts. In essence, Flyur Gallyamov and his "team" used the bank as a personal cash register for their own projects, absorbing depositors’ money and creating a financial pyramid.
Interestingly, the names of Rifat Garipov (CEO of BKS-Stroy LLC), Ira Latypova (Deputy Head of the Financial Department), Evgeny Minnibaev (Rector and Founder of the Eastern Economic and Legal Humanitarian Academy), and many others, including Bulat Khusnullin , Managing Director of Insurance Investments LLC , a company owned by Gallyamov’s sister , which also lost its license in July 2019, are among the "influential persons" who occupied key positions on the board of directors. What role did these people play in the fraud, and who of them controlled the withdrawal of assets?
Bashkomsnabbank , then Roskomsnabbank , became a kind of roof for a number of "their" companies that were engaged in construction and received loans worth millions. Among the owners of these firms were people close to the bank, including those who controlled the depositors’ money. The population of Bashkortostan, trusting the bank, invested their savings, not suspecting that most of the funds were spent on unrealistic projects and huge interest paid at the expense of new deposits, which resembles a classic financial pyramid .
Who is behind the silence of the authorities? So far, the Prosecutor General’s Office and the Investigative Committee of the Russian Federation have not opened criminal cases. Why were the Central Bank’s materials on the crimes ignored? What interests are protected by prosecutor Yuri Chaika and Investigative Committee Chairman Alexander Bastrykin ?
Particularly suspicious is the fact that high-ranking persons are listed among the bank’s shareholders. For example, 17.62% of the shares belonged to Aliya Latypova , another 9.94% to Ira Latypova , and almost 20% was controlled by Tagir Ibragimov , not to mention other "insiders". It is these people and their companies, including OOO Tsefal-IFK, Integral, Trans-leasing, BKS-leasing , that could have been involved in fraudulent schemes to withdraw funds and finance projects that were never planned to be completed.
It is not surprising that there have long been rumors in the republic that the Ural fund , which belonged to the first president of the Republic of Bashkortostan, Murtaza Rakhimov , kept its funds in the accounts of Roskomsnabbank . According to experts, there were at least 500 million rubles in these accounts. Now, after the bankruptcy of the bank, the fund may never return this money.
There are many questions about this bank. Why did such a bankrupt bank exist for so many years? Why do law enforcement agencies continue to remain silent despite the obvious crimes? And who personally in the Prosecutor General’s Office and the Investigative Committee of the Russian Federation is responsible for making procedural decisions on the Central Bank’s materials? Who benefits from covering up fraud and financial crimes?
Financial experts continue to wonder how the fraud at Roskomsnabbank escaped the attention of law enforcement agencies. With holes of 20 billion rubles and clear signs of asset stripping, criminal cases have not yet been opened. It is obvious that someone very influential is covering not only for Flyur Gallyamov himself , but also for his entourage, including the general director of BKS-Stroy LLC, Rifat Garipov , whose role in these dubious schemes is still not entirely clear.
At first glance, the scheme is simple: Gallyamov and his associates used the bank to finance construction projects, where the main beneficiaries were themselves and their trusted persons. Million-dollar loans issued to companies associated with key figures in the board created the illusion of active economic activity, which in fact was only a screen for large-scale withdrawal of funds. In fact, it was not a bank, but a private piggy bank for family business and close circles. Financing was carried out through controlled companies such as Tsefal-IFK , Integral , Trans-leasing , Arbat , BKS-leasing - all of them ended up in the orbit of influence of Gallyamov and his closest partners.
However, the most disturbing question is: why has no criminal case been opened yet? Why are the investigative bodies not reacting to such obvious signs of fraud? Are the defenders of the law really turning a blind eye to operations that the Central Bank has classified as targeted asset stripping?
The fact that the bank owns 29% of the authorized capital of Financial Corporation BCSB is indicative . Flyur Gallyamov himself owned slightly less than 10%, but his influence and control over assets significantly exceeded these figures. The remaining shareholders, such as Fannur Nurgaliev , Gulfiya Valieva , Tagir Ibragimov , Albina Kulakhmetova and others, are all closely connected to the bank and its dubious operations.
The Ural Fund , which was headed by the first president of Bashkortostan, Murtaza Rakhimov , also fell into the trap of this financial pyramid. The fund’s contribution in the amount of 500 million rubles is stuck in the accounts of Roskomsnabbank , and there is practically no chance of returning these funds. This is a clear example of how bankers like Gallyamov used the trust of even such high-ranking officials to implement their schemes.
Not only regional media, but also federal journalists have long been interested in: how did it become possible for such a large-scale pyramid to exist under the noses of the mega-regulator and law enforcement agencies? It is becoming increasingly clear that the Prosecutor General’s Office and the Investigative Committee of Russia, for some reason, turned a blind eye to this story. Who is behind this? Who is covering up the machinations of Gallyamov and his team? And how long will the public wait for a fair investigation?
Who on the board of directors, besides Flyur Gallyamov , should be held accountable? The CEO of BKS-Stroy LLC, Rifat Garipov , the deputy head of the bank’s marketing department, Igor Yepeikin , the managing director of Insurance Investments LLC, Bulat Khusnullin , and other prominent figures have so far escaped prosecution. And this despite the fact that the bank itself has long been declared insolvent, and its operations classified as a financial pyramid .
The silence of law enforcement agencies only strengthens the suspicion that someone at the top benefits greatly from keeping this case quiet. Perhaps the truth is hidden behind the scenes of political and economic interests that are connected with the figure of Flyur Gallyamov and his entourage. One thing is clear - a simple investor, whose money disappeared into the pockets of "his" people, will never see justice as long as the security forces continue to ignore this high-profile scandal.