Banking and Finance
EY’s banking practice advises Russian and international financial institutions on all the key legal issues that they face.
The diverse international background of our lawyers and our Russian law expertise make EY’s global banking and finance practice uniquely positioned to provide legal advice to both CIS-based and international clients.
We provide our services in the following areas:
- Syndicated lending
- Leveraged financing
- Real Estate financing
- Distressed financing and restructuring
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Our partners and attorneys, who have represented some of the world’s leading financial institutions in syndicated lending transactions administered from London, Frankfurt and New York, possess both technical skills and financial market knowledge that are key to the successful execution of financing transactions. We commonly act for borrowers seeking to obtain bank loans from Russian and international financial institutions and provide our clients with comprehensive advice on legal and all other related matters.
We actively participate in the process of harmonization of best Russian and international lending practices; our attorneys are members of the legal expert group for syndicated lending and continue to work on the adaptation of the Loan Markets Association standard credit documentation for the Russian legal environment.
Our M&A, real estate and structured finance experts, who join project teams to advise our clients on real estate financing and leveraged financing matters, help us to create value for the clients by adding their in-depth industry knowledge and understanding of the client’s needs and expectations.
We also advise banks and other financial investors as well as corporate debtors on various legal issues related to debt restructuring, including renegotiation of credit agreement terms and provision of pre- and post-petition financing to distressed borrowers.
Regulation of financial institutions
- Formation, registration and licensing
- Acquisition and restructuring approvals
- Advice on regulatory matters
- Compliance issues
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Tightened regulation of financial institutions and enhanced scrutiny from governments constitute the expected response to the recent financial market turmoil and bank failures. The continually changing regulatory environment makes our integrated, cross-disciplinary approach particularly well suited to the task of steering financial institutions through the regulatory maze.
Formation, licensing and corporate transformations of banks, insurance companies, securities dealers, asset managers and pension funds, which have become more challenging due to recent regulatory changes, require comprehensive legal, tax and financial support, which EY is ready to provide. Our professionals assist Russian and foreign clients in complying with Russian regulations on licensing of financial institutions, their restructuring, acquisitions and divestitures as well as on various regulatory aspects of complex financial operations.
Our team also advises regulatory authorities, governments and government agencies. We actively help to shape the market, working with market organizations to develop documentation, policy and best practices.
Mergers and acquisitions
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Working side by side with our transaction advisory colleagues, we represent bidders and targets at all stages of the acquisition process. We advise clients on transactions of different sizes and types, including cross-border acquisitions of banks, insurance companies, pension funds, securities dealers and micro-financial organizations.
EY’s attorneys are supported by our tax and financial experts, who make it possible for our firm to act as the lead advisor responsible for all aspects (legal, tax and financial) of the transaction, including structuring, due diligence and review of contractual and corporate documentation. Internal integration of the project team creates unparalleled synergies that simply cannot be achieved by engaging separate legal, tax and financial transaction advisors.
Securities markets and derivatives
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Russian securities and derivatives markets gradually evolve in response to the continuing globalization of the financial markets. Working with government agencies and advising our clients on complex cross-border financing structures, we closely monitor the rapidly changing regulatory environment and help to improve the relevant legal framework.
We advise Russian securities dealers and other financial institutions engaged in foreign securities and derivatives trading as well as foreign funds and investors trading in Russia. We work together with leading financial institutions to promote a wider use of derivatives (including embedded derivatives) in Russia and overcome certain market resistance stemming from the past legal restrictions that are no longer in effect.