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

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2018-04-24 18:00:47

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The Bank “Tauris” characterized by an average size of assets, low liquidity, large corporate credit portfolio. Since the beginning of 2015 went down a lot of the credit institution rating. The Bank “Tauris” is experiencing problems. What will happen to the institution?

History

In 1993 in Saint-Petersburg was founded the Bank “Tauris” nine industrial and commercial enterprises. Over time, the ownership structure has expanded greatly: the largest founder owns 15% of shares, and small - 3,73%. The network includes 19 offices, 35 cash offices in the capital, St. Petersburg, Cherepovets, Arkhangelsk region, the Komi Republic and 470 person staff. By the end of 2014, the Bank “Tauris» (St. Petersburg) was included in the hundred largest credit institutions of the country. The organization has collected 20 million rubles in the form of deposits from individuals.

Bank Taurian problem

Products

Although the Bank focused on the corporate sector, for individuals, was developed an interesting range of deposits. The contribution of the “Urgent” with replenishment and capitalization can be opened for a period of three to 12 months in national or foreign currency. The minimum sum - 10 thousand roubles was accrued annually at 12.5%.

Those Wishing to experiment with the course could open a Deposit “multi-currency” for a period of six months under a simple interest rate of 12.7% in the amount of 50 thousand rubles in equivalent.

Other products of the Bank were not less interesting. There is a possibility of early termination of the agreement, with interest payable at the full rate on almost all deposits. However, the option of a partial withdrawal was not provided at all. Deposit rates are high. But judging by customer reviews, not everyone can put on Deposit from 10 thousand rubles.

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Bank Tavrichesky in St. Petersburg

For quick access to the account could ispolzvat app “Mobile banking”. Service is included in the service SMS-informing, connecting even on a normal mobile phone. It can help:

  • To request a balance;
  • To form a mini-statement;
  • To block the card;
  • Replenish phone;
  • To pay;
  • Details;
  • To create customized payment templates.

First payment

In January 2015, power grid company “Lenenergo” asked the Central Bank to sanitize “Tauris”. In the accounts of a credit institution, the company kept about 10 billion rubles This corresponds to 20% of the liabilities of OJSC “Tavrichesky Bank”. The problems started in 2014, when customers were unable to withdraw money from payroll cards. Then the Bank explained that it was a technical failure. But in “Lenenergo” he feared that the reason was the low liquidity of enterprises.

Tavrichesky Bank depositsAt the same time, the Agency S&P downgraded the rating organization to the lowest level – SSS. According to the analytical service, the Bank “Tauris» (St. Petersburg) experienced a lot of challenges: high risks by the largest loans, low capitalization, the outflow of deposits. As it became known later, the Central Bank before the New year addressed the issue on reorganization of the financial institution.

"Lenenergo" is the main creditor

The company's Share belongs to local authorities. The Governor of St.-Petersburg has directed to the Central Bank request to keep the license and sanitize the Bank “Tauris”. Problems the organization has, but they can be solved without the elimination. The Bank was ready to allocate 20 billion rubles, but taking into account compensation "Lenenergo" it is necessary an additional 17 billion rubles (15 billion on the payment of deposits and 2 billion are stored on settlement accounts).

The Bank “Tauris”:

On February 1, 2015, the organization has registered 48.5 billion rubles. in the form of assets. 90% of the loan portfolio is distributed between IK “Tauris” and alcohol plant. The two organizations since the summer of 2014 to repay the debt. In February, the investment company is generally liquidated. So the condition of Bank assets is poor.

Improvement

The Regulator had found five contenders for the role of sanator, among them was “international”. The organization was always interested in the opportunity to work with troubled assets of the institution that need improvement. Together with this organisation submitted an application BALTINVESTBANK. It was planned that IFC will deal with the problems of the credit institution, and the second turnaround – “Lenenergo”.

Tavrichesky JSC Bank

The Bank “Tauris”, the problems which began in 2015, interested also “Russian capital” and IIB. Both organizations had applied to participate in the healing process with credit & prepaid companies. However, in March the IFC was chosen as the nursing home. According to the plan, the investor establishes full control over the Bank, and when the process is completed in 2022 attaches it to IFC. To restore liquidity to the Agency for Deposit insurance is ready to allocate a loan in the amount of 28 billion rubles for 10 years.

First results

The Bank “Tauris” problems with some of the major customers that are interested in the rehabilitation of credit organizations, was able to settle himself. As a result of negotiations it was decided to transfer the obligation “MRSK North West” and “Lenenergo” subordinated deposits. Another 6 billion rubles «Tauris” returned to the grid company. In addition, the turnaround turned to customers asking them not to pick up the current contributions.

 rating of Bank Tavrichesky

A month after the appointment of the IFC resumed operations the Bank “Tauris”. Contributions, the period that has already occurred by April 2015, was pererastet, Most of the clients prefer to take deposits. For this purpose we developed an electronic queue lists. Judging by customer reviews, some investors withdrew their lawsuits.

Investigation

In June 2015 at the offices of “Lenenergo” and “Tavrichesky” were searched. Former Director of power grid company was arrested on suspicion of abuse of power. A criminal case under article 201 of the criminal code. The operational group in the company's office was checking the documents related to a “Tavrichesky”. The Bank has also conducted investigative steps to verify a customer.

Conclusion

Another institution came under the procedure of recovery. Is the Bank “Tauris”. Problems in financial institutions began in the end of 2014, when customers were unable to withdraw money from payroll cards. Then the representatives of “Lenenergo” turned to the Central Bank with a proposal to sanitize the pot. The process has been the IFC, which DIA has allocated a loan of 28 billion rubles for 20 years.


Article in other languages:

AR: https://www.tostpost.com/ar/finance/14148-taurian.html

BE: https://www.tostpost.com/be/f-nansy/25272-bank-ta-rychny-prablemy-bank-ta-rychny-sankt---pecyarburg-vodguk.html

DE: https://www.tostpost.com/de/finanzen/25297-bank-taurian-probleme-bank-taurian-st-petersburg-bewertungen.html

ES: https://www.tostpost.com/es/finanzas/25321-el-banco-de-tauride-problemas-el-banco-de-tauride-san-petersburgo-los-.html

HI: https://www.tostpost.com/hi/finance/14171-tavrichesky-taurian.html

JA: https://www.tostpost.com/ja/finance/14173-tavrichesky-taurian.html

KK: https://www.tostpost.com/kk/arzhy/25256-bank-tavriya-problemalary-bank-tavriya-sankt---peterburg-p-k-rler.html

PL: https://www.tostpost.com/pl/finanse/25183-bank-taurydzie-problemy-bank-taurydzie-sankt---petersburg-recenzje.html

PT: https://www.tostpost.com/pt/finan-as/25201-o-banco-pen-nsula-problemas-o-banco-pen-nsula-s-o-petersburgo-coment-r.html

TR: https://www.tostpost.com/tr/maliye/25262-banka-torid-bir-sorun-banka-torid-st-petersburg-yorumlar.html

UK: https://www.tostpost.com/uk/f-nansi/25239-bank-tavr-ys-kiy-problemi-bank-tavr-ys-kiy-sankt---peterburg-v-dguki.html

ZH: https://www.tostpost.com/zh/finance/14816-bank-tavrichesky-problems-bank-taurian-st-petersburg-reviews.html






Alin Trodden - author of the article, editor
"Hi, I'm Alin Trodden. I write texts, read books, and look for impressions. And I'm not bad at telling you about it. I am always happy to participate in interesting projects."

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