Bank Tavrichesky is medium-sizedassets, a low level of liquidity, a large corporate loan portfolio. From the beginning of 2015 the credit rating of the credit organization has significantly decreased. Bank Tavrichesky is experiencing problems. What will happen next with the institution?
History
In 1993, a bank was established in St. Petersburg"Tavrichesky" 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, Tavrichesky Bank (St. Petersburg) was one of the country's top 100 credit institutions. The organization collected 20 million rubles in deposits from individuals.
Products |
Although the bank focused on the corporate sector,for individuals an interesting line of deposits was developed. The 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 coulduse the application "Mobile Banking". 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 power grid company"Lenenergo" asked the Central Bank to sanitize "Taurian". 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.
"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 registered48.5 billion rubles. in the form of assets. 90% of the loan portfolio is distributed between the Tavricheskiy 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 rolesanatoria, among them was the "International Financial Club". The organization has always been interested in working with distressed assets of institutions that need health improvement. Together with this organization, applied for "Baltinvestbank." It was planned that IFC will deal with the problems of the credit institution, and the second sanatorium - "Lenenergo".
Bank Tavrichesky, whose problems beganeven 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 majorclients who are interested in improving the credit organization, 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 power grid company. In addition, the sanatorum asked clients not to withdraw current deposits.
Уже через месяц после назначения МФК возобновил work bank "Taurian". Deposits, which had already begun by April 2015, were reallocated, Most of the clients preferred to withdraw deposits. To this end, electronic queue lists have been developed. Judging by the feedback from customers, some investors withdrew their lawsuits.
Investigation
In June 2015, in the offices of Lenenergo and"Taurian" was 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 operational group 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 procedurehealth improvement. 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.
