Bank Tavrichesky: problems. Bank "Tavrichesky" (St. Petersburg): reviews

Bank Tavrichesky is characterized by an average asset size, low liquidity level, and a large corporate loan portfolio. Since early 2015, the credit rating of the credit institution has significantly decreased. Bank Tavrichesky is experiencing problems. What will happen next with the institution?

History

In 1993, the bank "Tavrichesky" was founded in St. Petersburg by nine industrial and commercial enterprises. Over time, the ownership structure has greatly expanded: the largest founder owns 15% of the shares, and the small-holder - 3.73%. The network includes 19 offices, 35 operating cash desks in the capital, St. Petersburg, Cherepovets, the Arkhangelsk region, the Komi Republic and 470 service personnel. By the end of 2014, the Tavrichesky Bank (St. Petersburg) was one of the country's top 100 credit institutions. The organization collected 20 million rubles in deposits from individuals.

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Although the bank focused on the corporate sector, an interesting line of deposits was developed for individuals. Deposit "Urgent" with the possibility of replenishment and capitalization could be opened for a period of three to 12 months in national or foreign currency. At the minimum amount - 10 thousand rubles - accrued annually 12.5%.

Those who wanted to experiment with the course could open the "Multicurrency" deposit for a period of six months at a simple interest rate of 12.7% for an amount not less than 50 thousand rubles in equivalent.

Other products of the bank were no less interesting. There is a possibility of early termination of the agreement with interest payment at the full rate for almost all deposits. However, the option of partial removal was not provided at all. Deposit rates are high. But, judging by the opinions of customers, not every person can deposit 10 thousand rubles immediately.

For quick access to the account, you could use the Mobile Banking application. The service is included in the SMS-notification service, which is even connected to a regular mobile phone. With its help you can:

• Request a balance;
• Generate mini-statements;
• Block cards;
• Replenish the phone;
• Pay for services;
• Receive requisites;
• Create individual payment templates.

The first non-payments

In January 2015, the electricity grid company Lenenergo asked the Central Bank to sanitize Tavrichesky. On the accounts of the credit institution the company held about 10 billion rubles. This corresponds to 20% of Tavrichesky Bank's liabilities. Problems began in 2014, when customers could not withdraw money from salary cards. Then the bank explained that it was a technical failure. But Lenenergo feared that the reason was the low liquidity of the institution.

At the same time, S & P lowered the rating of the organization to the lowest level - CCC. According to the analytical service, Tavrichesky Bank (St. Petersburg) experienced a lot of difficulties: high risks for the largest loans, low capitalization, outflow of deposits. As it became known later, in the Central Bank before the New Year was considered the issue of rehabilitation of financial institutions.

"Lenenergo" is the main creditor

The company's share belongs to local authorities. The governor of St. Petersburg sent a request to the Central Bank to keep the license and sanitize the bank "Taurian". The organization has problems, but they can be resolved without liquidation. The regulator is ready to allocate 20 billion rubles, but taking into account the compensation of "Lenenergo", an additional 17 billion rubles is needed. (15 billion for the payment of deposits and another 2 billion are kept on settlement accounts).

Bank Tavrichesky: problems

As of February 1, 2015, the organization had 48.5 billion rubles. In the form of assets. 90% of the loan portfolio is distributed between the Taurian IC and the alcohol factory. Both organizations have not repaid the debt since the summer of 2014. In February, the investment company was completely liquidated. So the state of the bank's assets leaves much to be desired.

Wellness

The regulator found five applicants for the role of sanatoriums, among them was the "International Financial Club". The organization has always been interested in the possibility of working with distressed assets of institutions that need improvement. Together with this organization has applied "Baltinvestbank." It was planned that IFC will deal with the problems of the credit organization, and the second sanatorium - "Lenenergo".

Bank Tavrichesky, whose problems began in 2015, also interested in "Russian capital" and IIB. Both organizations applied for participation in the rehabilitation process of the lending institution. However, in March, IFC was selected as a sanatorium. Under the plan, the investor establishes full control over the bank, and upon completion of the process in 2022, he joins the IFC. To restore liquidity, the Deposit Insurance Agency is ready to allocate a loan of 28 billion rubles for 10 years.

First results

Bank Tavrichesky problems with some of the major customers who are interested in improving the credit institution, could settle it. As a result of the negotiations, it was decided to transfer the obligations of IDGC of the North-West and Lenenergo to subordinated deposits. Another 6 billion rubles "Tavrichesky" returned the electric grid company. In addition , the sanatorium appealed to clients not to withdraw current deposits.

A month after the appointment of the IFC, the bank Tavrichesky resumed its work. Deposits, which had already begun by April 2015, were reallocated, Most of the customers preferred to withdraw deposits. To this end, electronic queue lists have been developed. Judging by the customer's feedback, some investors withdrew their lawsuits.

Investigation

In June 2015, the offices of Lenenergo and Tavrichesky were searched. The former director of the power grid company was detained on suspicion of abuse of authority. A criminal case under art. 201 of the Criminal Code. The task force at the company's office checked documents related to the Tavrichesky. The bank also conducted investigative actions to verify one of the clients.

Conclusion

Another institution fell under the procedure of recovery. This is the bank "Taurian". Problems in the financial organization began in late 2014, when customers could not withdraw money from salary cards. Then representatives of "Lenenergo" appealed to the Central Bank with a proposal to sanitize the bank. The process is handled by the IFC, to which the DIA allocated a loan of 28 billion rubles for 20 years.