{"id":205777,"date":"2022-06-27T10:05:29","date_gmt":"2022-06-27T10:05:29","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=205777"},"modified":"2022-06-27T10:05:29","modified_gmt":"2022-06-27T10:05:29","slug":"dezvaluirile-dezastrului-de-la-city-insurance-care-sunt-motivele-oficiale-pentru-care-compania-de-asigurari-a-dat-faliment","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=205777","title":{"rendered":"Dezv\u0103luirile dezastrului de la City Insurance: care sunt motivele oficiale pentru care compania de asigur\u0103ri a dat faliment"},"content":{"rendered":"<p>\nFalimentul City Insurance, cel mai mare asigur\u0103tor din pia\u0163\u0103, care domina segmentul RCA cu o cot\u0103 de pia\u0163\u0103 de 43%, \u00eencepe s\u0103 prind\u0103 un nou contur. Compania a v\u00e2ndut poli\u0163e sub tariful notificat pentru a-\u015fi cre\u015fte semnificativ cota de pia\u0163\u0103, nu a recuperat crean\u0163ele de la reasigur\u0103tori, nu a pl\u0103tit daunele la timp, ceea ce a dus la penalit\u0103\u0163i \u015fi cheltuieli de executare, a achitat dob\u00e2nzi pentru anumite \u00eempru\u00admuturi de la ac\u0163ionarul majoritar \u015fi de la o companie str\u0103in\u0103, \u00eemprumuturi care nu au fost folosite de City Insurance, toate duc\u00e2nd la deficite \u015fi cheltuieli semnificative.<\/p>\n<p>\n<strong>\u2666 City Insurance a v\u00e2ndut poli\u0163e sub tariful notificat la ASF pentru a-\u015fi cre\u015fte cota de pia\u0163\u0103 duc\u00e2nd la un deficit de 1,2 mld. lei \u2666&nbsp;CITR a constatat, printre altele, c\u0103 anumite persoane din conducerea sau supravegherea companiei pot atrage anumite r\u0103spunderi privind cauzele falimentului \u2666&nbsp;Peste 700 mil. lei sunt sume pe care City Insurance le are de recuperat din regrese \u015fi reasigurare.<\/strong><\/p>\n<p>\nFalimentul City Insurance, cel mai mare asigur\u0103tor din pia\u0163\u0103, care domina segmentul RCA cu o cot\u0103 de pia\u0163\u0103 de 43%, \u00eencepe s\u0103 prind\u0103 un nou contur. Compania a v\u00e2ndut poli\u0163e sub tariful notificat pentru a-\u015fi cre\u015fte semnificativ cota de pia\u0163\u0103, nu a recuperat crean\u0163ele de la reasigur\u0103tori, nu a pl\u0103tit daunele la timp, ceea ce a dus la penalit\u0103\u0163i \u015fi cheltuieli de executare, a achitat dob\u00e2nzi pentru anumite \u00eempru\u00admuturi de la ac\u0163ionarul majoritar \u015fi de la o companie str\u0103in\u0103, \u00eemprumuturi care nu au fost folosite de City Insurance, toate duc\u00e2nd la deficite \u015fi cheltuieli semnificative.<\/p>\n<p>\nDe\u015fi acestea sunt o parte din cauzele pentru care City Insurance s-a pr\u0103bu\u015fit, problemele se transpun dincolo de o simpl\u0103 gestionare a banilor. Paul-Dieter C\u00eerl\u0103naru, CEO-ul CITR, a explicat c\u0103 analiza CITR a identificat situa\u0163ii de atragere a r\u0103spunderii pentru persoanele responsabile administr\u0103rii \u015fi gestion\u0103rii companiei. CITR nu a fur\u00adnizat detalii privind persoanele asupra c\u0103\u00adrora se atrage r\u0103spun\u00adde\u00adrea. CITR va formula cererea de atra\u00adgere a r\u0103spunderii pentru fap\u00adtele atribuite persoa\u00adnelor care au condus la falimentul City Insurance.<\/p>\n<p>\n\u201eConsider\u0103m c\u0103 analiza unei companii de asigur\u0103ri trebuie s\u0103 priveasc\u0103 at\u00e2t modul \u00een care \u015fi-a desf\u0103\u015furat activitatea, de la v\u00e2nzarea poli\u0163ei p\u00e2n\u0103 la producerea daunei \u015fi modului \u00een care a fost gestionat patrimoniul ob\u0163inut din activitatea de asigur\u0103ri. \u00cen anumite situa\u0163ii, falimentul unei societ\u0103\u0163i, chiar cu r\u0103spundere limitat\u0103 cum este City Insurance poate presupune extinderea r\u0103spunderii civile asupra acelor persoane care au administrat acea societate\u201c, a spus Paul-Dieter C\u00eerl\u0103naru \u00een cadrul unei conferin\u0163e organizat\u0103 de CITR privind cauzele falimentului City Insurance.<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<span style=\"color:#ffffff;\"><strong><span style=\"background-color:#b22222;\">Principalele cauze care au dus la falimentul City Insurance:<\/span><\/strong><\/span><\/p>\n<p>\n\u25ba V\u00e2nzarea poli\u0163elor sub tariful notificat, cu scopul de a cre\u015fte cota de pia\u0163\u0103, ceea ce a generat un deficit de 1,2 mld. lei \u00een perioada 2018-2021<\/p>\n<p>\n\u25ba&nbsp;Lipsa demersurilor pentru recuperarea crean\u0163elor de la reasigur\u0103tori \u2013 deficit de 422 mil. lei (sold la decembrie 2021)<\/p>\n<p>\n\u25ba&nbsp;Neplata la timp a daunelor ce a dus la pl\u0103\u0163i de penalit\u0103\u0163i \u015fi cheltuieli de executare de peste 45 mil. lei<\/p>\n<p>\n\u25ba&nbsp;Pierderi constante la nivelul filialelor din Grecia \u015fi Italia pe perioada 2017-2021, deficit de 185 mil. lei<\/p>\n<p>\n\u25ba&nbsp;Nerecuperarea crean\u0163elor \u00een regrese \u2013 deficit de 54 mil. lei (sold la decembrie 2021)<\/p>\n<p>\n\u25ba&nbsp;\u00cemprumuturi f\u0103r\u0103 substan\u0163\u0103 economic\u0103 \u00een valoare de 125 mil. euro contractate de City Insurance, care fac obiectul unor cercet\u0103ri penale na\u0163ionale \u015fi interna\u0163ionale<\/p>\n<p>\n\u25ba&nbsp;Achitarea de dob\u00e2nzi \u015fi a unui onorariu de succes \u00een valoare de 147 mil. lei, aferente unor \u00eemprumuturi de la ac\u0163ionarul majoritar \u015fi de la o companie str\u0103in\u0103, \u00eemprumuturi care nu au fost folosite de City Insurance<\/p>\n<p>\n\u25ba&nbsp;Nerecuperarea \u00eemprumuturilor acordate societ\u0103\u0163ii affiliate: City Invest &#038; Management, \u00een cuantum de 57 mil. lei (sold la 31 decembrie 2021)<\/p>\n<p>\n\u25ba&nbsp;Pierderile rezultate din v\u00e2nzarea unor imobile \u015fi terenuri achizi\u0163ionate la valori ridicate \u00een perioada 2012-2014. Diferen\u0163a dintre valoarea de achizi\u0163ie \u015fi valoarea de v\u00e2nzare \u00een 2019-2020 se ridic\u0103 la suma de 42,6 mil. lei<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<span style=\"color:#ffffff;\"><strong><span style=\"background-color:#b22222;\">Inciden\u0163ele identificate de CITR&nbsp;care atrag r\u0103spunderea persoanelor la cauzele falimentului City Insurance:<\/span><\/strong><\/span><\/p>\n<p>\n<strong>\u00cencadr\u0103rile legale ale cauzelor identificate, extrase din lege:<\/strong><\/p>\n<p>\n\u25ba&nbsp;au dispus \u00een interes personal continuarea unei activit\u0103\u0163i care conducea \u00een mod v\u0103dit societatea de asigurare\/reasgiurare la \u00eencetarea de pl\u0103\u0163i<\/p>\n<p>\n\u25ba&nbsp;au folosit activele \u015fi\/sau creditele societ\u0103\u0163ii de asigurare\/reasigurare \u00een interes propriu \u015fi al altor persoane<\/p>\n<p>\n\u25ba&nbsp;au \u0163inut o contabilitate fictiv\u0103, au facilitat dispari\u0163ia unor documente contabile sau nu au \u0163inut contabilitatea potrivit legii<\/p>\n<p>\n\u25ba&nbsp;au deturnat ori au ascuns o parte din activul societ\u0103\u0163ii de asigurare\/reasigurare sau au m\u0103rit \u00een mod fictiv pasivul acesteia<\/p>\n<p>\n\u25ba&nbsp;au folosit mijloace ruin\u0103toare pentru a procura societ\u0103\u0163ii de asigurare\/reasigurare fonduri, \u00een scopul \u00eent\u00e2rzierii \u00eencet\u0103rii de pl\u0103\u0163i<\/p>\n<p>\n\u25ba&nbsp;au \u00eentocmit situa\u0163ii financiare anuale, alte situa\u0163ii contabile ori raport\u0103ri, cu nerespectarea prevederilor legale<\/p>\n<p>\n\u25ba&nbsp;\u00een cadrul ac\u0163iunilor interne de verificare, nu au identificat \u015fi\/sau nu au sesizat, din culpa acestora, faptele care au condus la fraude \u015fi\/sau la o gestiune defectuoas\u0103 a patrimoniului societ\u0103\u0163ii de asigurare\/reasigurare<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<span style=\"color:#ffffff;\"><strong><span style=\"background-color:#b22222;\">Membrii conducerii City Insurance \u00een momentul intr\u0103rii \u00cen faliment:<\/span><\/strong><\/span><\/p>\n<p>\n\u25ba&nbsp;<strong>Renato Szilagyi<\/strong>, pre\u015fedinte directorat<\/p>\n<p>\n\u25ba&nbsp;<strong>Buzera Barbu Mircea<\/strong>, vicepre\u015fedinte al directoratului<\/p>\n<p>\n\u25ba&nbsp;<strong>Spyridon Stavros Mavrogalos Fotis<\/strong>, membru al directoratului<\/p>\n<p>\n\u25ba&nbsp;<strong>Browne Woodthorpe Robert<\/strong>, pre\u015fedinte al Consiliului de Supraveghere<\/p>\n<p>\n\u25ba&nbsp;<strong>Rossler Max Walter<\/strong>, vicepre\u015fedinte al Consiliului de Supraveghere<\/p>\n<p>\n\u25ba&nbsp;<strong>Pascale Cristian<\/strong>, membru al Consiliului de Supraveghere<\/p>\n<p>\n\u25ba&nbsp;<strong>Arampova Aelita<\/strong>, membru al Consiliului de Supraveghere<\/p>\n<p>\n\u25ba&nbsp;<strong>Papanikolaou Epameinondas<\/strong>, membru al Consiliului de Supraveghere<\/p>\n<p>\n&nbsp;<\/p>\n<p>\n<span style=\"color:#ffffff;\"><strong><span style=\"background-color:#b22222;\">Exemple de conduc\u0103tori ai City Insurance:<\/span><\/strong><\/span><\/p>\n<p>\n\u25ba&nbsp;<strong>Dan Odobescu<\/strong>, director general al City Insurance \u00een perioada 2012-2017<\/p>\n<p>\n\u25ba&nbsp;<strong>Papanikolaou Epameinondas<\/strong>,&nbsp; pre\u015fedinte al directoratului City Insurance 2018-2020<\/p>\n<p>\n<img decoding=\"async\" alt=\"\" src=\"http:\/\/storage0.dms.mpinteractiv.ro\/media\/401\/341\/5531\/20951921\/2\/5dan-odobescu-mediafax.jpg?height=481&#038;width=640\" style=\"width: 640px; height: 481px;\" \/><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Falimentul City Insurance, cel mai mare asigur\u0103tor din pia\u0163\u0103, care domina segmentul RCA cu o cot\u0103 de pia\u0163\u0103 de 43%, \u00eencepe s\u0103 prind\u0103 un nou contur. Compania a v\u00e2ndut poli\u0163e sub tariful notificat pentru a-\u015fi cre\u015fte semnificativ cota de pia\u0163\u0103, nu a recuperat crean\u0163ele de la reasigur\u0103tori, nu a pl\u0103tit daunele la timp, ceea ce [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510],"tags":[331,29947,272,17509,20233,7664],"class_list":["post-205777","post","type-post","status-publish","format-standard","hentry","category-actualitate","tag-asigurari","tag-city-insurance","tag-companie","tag-dezastru","tag-dezvaluiri","tag-faliment"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/205777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=205777"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/205777\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=205777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=205777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=205777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}