What should Tatfondbank depositors (individuals and legal entities) do? Tatfondbank: what's going on? Tatfondbank will return money to legal entities

The bank was founded in 1994 by several voucher investment funds. In 1995, it was transformed from AOZT into AOOT, from mid-1997 it functioned as an open joint-stock company. In December 2015, the organizational and legal form of the bank was brought into line with the current legislation of the Russian Federation and defined as a public joint stock company.

At a press conference in September 2010, representatives of the bank and Tatfondbank announced a possible merger of these credit institutions. The approximate date was then the end of 2013, however, banks did not make any significant statements on this topic in the future.

From December 15, 2016, in accordance with the Federal Law "On Insolvency (Bankruptcy)", the Bank of Russia introduced temporary administration in PJSC Tatfondbank represented by the DIA for a period of three months, as well as a moratorium on satisfying the claims of the bank's creditors. This fact caused panic in the home region of the bank, as a result of which a number of credit institutions registered in the Republic of Tatarstan experienced financial difficulties due to the "raid" of creditors. Some of these banks subsequently violated the regulations of the Central Bank of the Russian Federation. The first reports about the financial problems of Tatfondbank appeared in a number of media in early December 2016. The bank introduced a restriction on the issuance of deposits, as well as a limit on the issuance of cash, which indicates a lack of liquidity. Subsequently, the Central Bank of the Russian Federation conducted lengthy negotiations with the bank's shareholders, including the government of Tatarstan, about the possibility of saving the bank, which eventually ended with the introduction of an interim administration and a moratorium on creditors' claims. The excess of the bank's liabilities over its assets, according to various media estimates, reaches up to 120 billion rubles. At the time of writing this certificate, there is no final decision on the possibility of reorganizing Tatfondbank.

In March 2016, it became known that the Bank of Russia approved changes to the bankruptcy prevention plan for Sovetsky Bank, choosing Tatfondbank as a sanator. However, already on February 20, 2017, after the sanator had problems, the Central Bank of the Russian Federation reintroduced temporary administration to Sovetsky Bank for a period of six months. It is worth noting that earlier one of the minority shareholders of Sovetsky challenged in court the legality of an interbank loan issued to Tatfondbank for a total of 14.8 billion rubles. On February 14, 2017, Tatfondbank filed a cassation appeal against the court decision to recover 15.06 billion rubles (loan amount plus accrued interest) in favor of Sovetsky.

In addition, on February 20, 2017, the Bank of Russia introduced temporary administration to another "subsidiary" bank of Tatfondbank - Timer Bank, one of the key beneficiaries of which is the former chairman of the board of Tatfondbank, Robert Musin.

The ownership structure of the bank is complex and often changes, as well as the composition of the beneficiaries (including a number of shares owned by citizens of foreign countries, in particular Cyprus); cross-ownership schemes are used in the ownership structure.

At the moment, the main shareholders are New Petrochemistry LLC with a share of 17.36% (the ultimate beneficiary is Robert Musin), the Republic of Tatarstan through the Ministry of Land and Property Relations of the Republic of Tatarstan (MZRO RT) - 41.68% (including through LLC A/F Leninogorskaya, JSC Tatspirtprom and JSC Tatenergo), CJSC Helio-polis - 8.46% (whose sole beneficiary is British citizen Jennifer Katherine Rhine), OJSC Mortgage Agency of the Republic of Tatarstan - 7.49%, Dmitry Sukhov - 7.49% (through DSK LLC), Ildus Mingazetdinov - 4.45% (through Artug OJSC), Ildar Aipov - 3.9% (through Svitil LLC), JSC "Fonika" - 3.35%. The share of OJSC Nasko, one of the owners of which is the largest bank of the Republic of Tatarstan PJSC AK Bars, is 2.08%. The rest of the shares are distributed among minority shareholders.

It is worth noting that on February 20, the Central Bank of the Russian Federation filed a lawsuit with the Arbitration Court against Tatfondbank, New Petrochemistry LLC and Nizhnekamskneftekhim for non-fulfillment or improper fulfillment of obligations under loan agreements. Details of the claim are not disclosed on the website of the Arbitration Court.

Earlier, two representatives of top management, combining positions in Tatfondbank and its investment subsidiary, TFB Finance, were detained on suspicion of fraudulent activities in the implementation of TFB Finance. In particular, a number of Tatfondbank depositors reported to law enforcement agencies that, under the guise of a deposit extension operation, their funds were illegally transferred to TFB Finance. Accordingly, later, after the introduction of the moratorium (insured event), these funds were not taken into account in the register for the payment of insurance compensation on DIA deposits.

The head office of the credit institution is located in Kazan. The bank has a strong sales network, particularly well represented in its home region. At the moment, Tatfondbank's regional presence is provided by 90 separate structural divisions, including five branches (in Moscow, St. Petersburg, Novosibirsk, Surgut and Naberezhnye Chelny), 84 additional offices and one operating cash desk outside the cash desk. The headcount as of January 1, 2016 was 3,307 people (according to the 2015 RAS annual reports). The network of ATMs that allow the bank's customers to withdraw cash without a commission includes more than 1.2 thousand units.

Among the main activities of the financial institution, one can single out a comprehensive service for corporate clients in the Republic of Tatarstan. The client base of Tatfondbank includes about 20 thousand legal entities, including large industrial enterprises, companies in the trade and financial sectors, agro-industrial complex, construction industry, as well as representatives of small and medium-sized businesses, private entrepreneurs. In addition, the bank is quite actively engaged in the development of retail business, serving more than 500,000 individual clients.

The credit organization provides legal entities with a standard set of products and services: lending, deposits, certificates of deposit, cash management services, Internet banking, bank guarantees, plastic cards, securities, bills and promissory notes, safe deposit boxes. The bank also specializes in servicing foreign economic activity, operations with precious metals and insurance. Individuals have access to consumer loans, bank cards, deposits, car loans, mortgages, remote services, money transfers (using Western Union, UNIStream systems), acceptance of payments, transactions with precious metals, currency exchange, current accounts, securities, safe boxes, insurance . In addition, the bank develops programs for older clients: savings, receiving pensions, remote banking, long-term orders, consumer loans.

It should be noted that after the introduction of the provisional administration, the credit institution stopped disclosing the data of standard reporting forms on the website of the Central Bank of the Russian Federation. The latest available financial statements of the bank are presented as of December 1, 2016.

Since the beginning of 2016, the volume of net assets of the credit institution has increased by 6.6% (13.0 billion rubles) and as of December 1, 2016 amounted to 210.6 billion rubles. In the passive part, the volume of balances of funds of credit institutions on loro accounts increased (+1824.4%, or 3.1 billion rubles), as well as funds raised on the interbank market (+11.7%, or 3.7 billion rubles). At the same time, the bank's own funds (+12.2%, or RUB 3.0 billion) and retail deposits (+1.2%, or RUB 0.9 billion) demonstrated positive dynamics, which made it possible to fully compensate for the outflow of funds from enterprises and organizations (-3.0%, or 1.4 billion rubles). In the active part of the balance sheet, newly raised funds were mainly allocated to the loan portfolio (+9.3%, or RUB 10.1 billion) and other assets (+17.5%, or RUB 7.8 billion), which are approximately equally represented by acquired rights of claim and assets transferred to trust management. At the same time, over the specified period, there has been a significant reduction in the bank's investments in highly liquid assets (-75.8%, or 7.7 billion rubles).

As of December 1, 2016, the structure of the bank's liabilities is as follows: the main source of funding for a credit institution is the funds of individuals (35.6%), represented mainly by long-term deposits of the population with maturities of one year, another 21% are funds of enterprises and organizations. A significant share in the structure of liabilities is also formed by funds of credit institutions: attracted interbank loans (16.6%, including from the Central Bank of the Russian Federation) and loro account balances (1.6%). Bonds and promissory notes issued by the bank account for 8.9% of net liabilities. The Bank has a long history of market borrowing. As of January 25, 2017, his bonds, despite the introduction of a moratorium on satisfying creditors' claims, were included in the Lombard List of the Bank of Russia. The bank's customer base is large. Turnovers on current accounts of clients in recent months before the introduction of the temporary administration were at the level of 85-120 billion rubles a month.

The share of the bank's own funds accounts for about 12.9% of liabilities. It should be noted that the calculation of the bank's capital includes subordinated loans, the residual value of which as of December 1, 2016 amounted to 9.6 billion rubles. In January 2016, the bank entered into a subordinated loan agreement with the DIA, as a result of which federal loan bonds were transferred to the bank for a total amount of about 1.4 billion rubles (as part of the state additional capitalization of the banking sector through OFZ). Also in July 2016, as part of an agreement to increase net assets, the bank's shareholders provided gratuitous financing for a total amount of about 4 billion rubles. Before the introduction of the provisional administration, the bank's capital adequacy was at a low level, the capital adequacy ratio H1.0 as of December 1, 2016 was 10.54% (with a minimum of 8%).

The main part of net assets falls on the loan portfolio (56.1%). Another 24.8% and 14.4% form other assets and investments in securities, respectively. Issued by interbank loans and highly liquid assets together account for about 2% of the credit institution's net assets.

From the beginning of the year to December 2016, the loan portfolio, most of which is formed by corporate loans (about 85% of the total portfolio), increased by 9.3%, or by RUB 10.1 billion in absolute terms, amounting to 2016 118.1 billion rubles. The loan portfolio is predominantly long-term: the share of loans issued for a period of more than one year is 77.3%. The level of overdue debt as of December 1, 2016 amounted to 3.29% (at the beginning of 2016 - 2.99%). At the same time, the level of provisioning for the portfolio is at the level of 9.74% (at the beginning of the period - 8.36%). The loan portfolio is secured by a pledge of property (excluding guarantees and warranties) in the amount of RUB 53.5 billion. According to interim reporting for the three quarters under RAS, the bulk of loan debt accounted for the following activities: wholesale and retail trade (27.1%), industry (17.2%), real estate transactions (13.1%) and construction (6.2%).

As of December 1, 2016, the securities portfolio amounted to more than 30 billion rubles. Approximately two-thirds of the portfolio is invested in corporate and bank bonds, as well as securities transferred to REPO. The rest of the portfolio is formed by shares and promissory notes of Russian issuers. It is worth noting a noticeable decrease in the bank's activity in the REPO market, including within the framework of transactions to attract liquidity from the Bank of Russia. In general, prior to the introduction of the provisional administration, the bank demonstrated significant turnover in the securities portfolio (250-400 billion rubles), which indirectly indicates the high liquidity of the securities included in the portfolio.

On the market of interbank loans, Tatfondbank raises funds on a regular basis, and in rather significant volumes. An important place in the structure of interbank loans is occupied by short-term borrowings from the Bank of Russia (on REPO transactions). The credit institution also places excess liquidity in resident banks for various periods. The bank is quite active in the market of foreign exchange operations, the turnover on conversion operations as of December 1, 2016 amounted to about 370.3 billion rubles.

At the end of 2015, the bank suffered a loss in the amount of 490.83 million rubles, according to the reporting under RAS (in 2014, the bank made a profit in the amount of 420.8 million rubles). For 11 months of 2016, the credit institution suffered a loss in the amount of 3.73 billion rubles. The main reasons for the bank's negative financial result in 2015-2016 are a sharp increase in interest expenses, which led to negative net interest income, as well as a high level of operating expenses.

For the period of activity of the provisional administration, the powers of shareholders related to participation in the authorized capital, as well as the powers of the management bodies of PJSC Tatfondbank, were suspended.

Board of Directors: Ildar Khalikov (Chairman), Alexander Belgorodsky, Danil Volkov, Ildus Mingazetdinov, Elena Murashova, Robert Musin, Farit Musin, Airat Sabirzanov, Alexander Slesarenko, Alexey Terekhov.

Governing body Cast: Ramil Nasirov, Nailya Tagirova, Vadim Merzlyakov, Guzel Fattakhova, Rustam Khakimov, Roza Yakushkina.

Alexander Kudryavtsev, banking analyst

The working group to support businessmen from among the clients of Tatfondbank, created following the results of yesterday's meeting with the participation of the head of the Ministry of Economy of the Republic of Tatarstan Artem Zdunov, on the eve of the payments of insurance claims starting on December 26, recalls the procedure for receiving compensation. We answer the popular question “what should Tatfondbank depositors do?”.

Holders of deposits in the amount of up to Ք1.4 million will be refunded in full. Credit institutions authorized for settlements are Sberbank, RSHB, VTB24, FC Otkritie and AK BARS-bank. Depositors can apply for money from 26 December. Which bank to go to for money will become known later this evening (the relevant information will appear on www.asv.org.ru and published on our website). You can also clarify the details by phone 8-800-200-08-05.

What should Tatfondbank depositors do? Step-by-step instructions for those wishing to receive insurance compensation for individuals and individual entrepreneurs

1. Wait for information on the distribution of TFB depositors between agent banks using the above contact details.

2. Starting from December 26, visit the appropriate agent bank to fill out an application (have a passport with you). The deadline for accepting applications for payment of compensation is 3 months (the countdown is from the date of the announcement of the moratorium on the movement of funds in the TFB).

3. Wait for your turn and receive the funds you are looking for (the period allotted by law for this purpose is 3 working days). The form of receiving compensation for individuals and IP entities is in cash or by transfer to the account of the applicant.

The revocation of the license from Tatfondbank does not exempt customers from repaying existing or overdue loans, the debt must be repaid without fail.

Information for borrowers of Tatfondbank PJSC, here you will find out where and how you can pay off debt on a loan, mortgage, credit card, car loan in which bank you can pay.

The State Corporation "Deposit Insurance Agency", which, on the basis of the decision of the Arbitration Court of the Republic of Tatarstan dated April 11, 2017 (the date of the announcement of the operative part) in case No. А65-5821 / 2017, is the bankruptcy trustee of the Public Joint Stock Company "Tatfondbank" (PJSC "Tatfondbank" ), hereinafter referred to as the Bank, PSRN 1021600000036, TIN 1653016914, registration address: 420111, Republic of Tatarstan, Kazan, st. Chernyshevsky, 43/2, reports.

Cash to repay debt to the Bank in accordance with the terms of loan agreements with non-cash payment must be sent to the following details:

for legal entities and individuals:

or only for individuals:

*ATTENTION:In the "Recipient" field must be specified PJSC Tatfondbank, name of the borrower is PROHIBITED .

** The borrower's account number, which must be indicated in the purpose of the payment, can be clarified by calling the Contact Center 8-800-100-03-03.

Details for non-cash payment are valid for all subjects of the Russian Federation where the Bank's structural divisions are located.

Address for sending mail: 420111, Republic of Tatarstan, Kazan, st. Chernyshevsky, 43/2.

For information onon debt repayment issues, including: (1) the balance of debt, (2) receipt of funds, (3) changes in credit history, (4) clarification of details for repayment of obligations, (5) ordering certificates of closing credit obligations and certificates of the balance of debt, ( 6) search for lost payments, contact:

- by calling the hotline of Tatfondbank PJSC - 8 800 100-03-03.

- by email:

For borrowers - INDIVIDUALS when paying in CASH:

1) Acceptance of cash payments is carried out in the premises at the address:

Kazan, st. Chernyshevsky, 43/2

PJSC "Tatfondbank"

Checkout mode:

Monday-Friday: 09:30 - 17:00 without lunch break

2) Reception cash payments NO COMMISSION carried out in the premises at the address: Moscow, Lesnaya street, 57, building 4:

Windows №№ 1,2 Monday-Thursday 09.00-17.00, break 13.00-13.45.

Friday 09.00-11.00 without a break

3) Acceptance of cash NO COMMISSION possible in the terminals of JSCB "Russian Capital" (PJSC), installed at the following addresses:

Moscow, st. Vysotsky, 4 (former Upper Tagansky dead end);

Moscow, st. Lesnaya 59, building 2.

To make a payment through the terminal, the following data is required: the name of the Bank, the number and date of the loan agreement, the Borrower's full name, and the Borrower's phone number. One-time payment should not exceed 15,000 rubles.

On accepting payments under loan agreements through the affiliate network of RNCO "Payment Center" LLC

From May 11, 2017, borrowers of Tatfondbank PJSC can make payments to repay their obligations under loan agreements without paying commissions for transferring funds at the offices and payment acceptance points of the partner network of RNKO Payment Center LLC (Golden Crown - loan repayment service ”): in the retail network of Euroset, MTS (JSC Russian Telephone Company), Svyaznoy, Beeline sales offices (PJSC VimpelCom), as well as in Frisbee communication stores in Yekaterinburg and the Sverdlovsk Region , in KARI shoe stores, at the cash desks of partner banks of the service (the list is attached).

To deposit funds to pay for the loan, it is enough to tell the cashier the contract number, the date of the contract, the full name of the borrower and present a passport of a citizen of the Russian Federation.

When contacting the Beeline sales office, you will need a Beeline client card, and a KARI store - a KARI client card. In the absence of cards, they can be issued free of charge at any Beeline sales office and at the nearest KARI store. In other retail chains, you will need to tell the cashier your phone number to pay for the loan.

You can find the address of the nearest service point of the Zolotaya Korona - Loan Repayment service on the website www.credit-korona.ru, by calling the information center of the service - 8-495-211-07-00 (round the clock), as well as in the attached file.

To the attention of bank borrowers who have deposits with the Bank and apply for insurance compensation on deposits:

According to Part 7 of Article 11 of the Federal Law of December 23, 2003 No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation”, if the bank in respect of which the insured event has occurred also acts as a creditor in relation to the depositor, the amount of compensation for deposits is determined based on the difference between the amount of the bank's obligations to the depositor and the amount of counterclaims of the given bank against the depositor that arose before the day the insured event occurred.

When such a depositor receives compensation on deposits, there is no repayment (offset) of the bank's counterclaims to the depositor, and there is no reduction in the size of the bank's liabilities on deposits by the amount of counterclaims. These counterclaims are fully subject to execution by the borrower in accordance with the terms of the agreements concluded with the bank.

With regard to the balance of deposits exceeding the received insurance indemnity, the depositor has the right to present the creditor's claim to the bank in accordance with the procedure established by law in the course of bankruptcy proceedings opened against the bank, or in the event of a change in the amount of counterclaims (as a result of their full or partial repayment or sale (assignment) in during bankruptcy proceedings), the depositor has the right to apply for additional payment of insurance compensation.

Problems in the banking sector in Russia continue and this time they have reached a very large bank in the country, namely, it would be more correct to say, the region - the Republic of Tatarstan, which is included in the top 50 rating by assets (ranks 43rd with 218 billion rubles of assets ). Moreover, we note that the bank's rating is slightly higher in terms of the volume of attracted funds of depositors - 33rd place in the rating for deposits (in total, the bank's clients hold 76.1 billion rubles in it).

Naturally, this is a serious problem for the Republic of Tatarstan, one might even say, a local financial collapse, since this caused very serious problems not only for ordinary investors, but also for the business of the region. Based on this, let's figure out what the bank itself is actually waiting for and what decision will be made by the Central Bank of the Russian Federation in the light of the latest news on Tatfondbank.

What happened to Tatfondbank?

The problems of a large Russian bank began long before the events of December 2016, when the bank began to experience liquidity problems, as, in fact, most other problem banks (there are many stories) that were once in the top 100 ratings.

However, the real "noise" rose from December 7, which was a very significant "fly in the ointment in a barrel of honey", that is, deposits in bank accounts, the demand for which was very high, and for early withdrawal of funds from customers amid rumors of a possible reorganization and bank failure in online media and social networks such as Vkontakte. And what is the result?

As a result, the bank could not cope with the physical influx and the outflow of funds from the accounts of depositors that had descended on the offices, that is, it could not satisfy the requirements of customers and immediately showed its non-liquidity. After that, the bank's management decided to suspend settlement and cash services for the period from December 14 to December 17, 2016, in order to make a decision in order to restore the bank's liquidity.

Tatfondbank latest news for today CBR

What is happening with Tatfondbank?

On December 19, the bank's management decided to resume the work of offices, however, in a reduced mode - from 10 am to 3 pm and only on weekdays.

Naturally, due to the fact that Tatfondbank stopped issuing funds to its clients, later the so-called agent banks became known, which depositors and clients of a problem bank should contact to receive payments.

The list of agent banks includes 5 at least the largest banks in Russia, these are:

Sberbank
Rosselkhozbank

VTB 24
Tatarstan AK BARS Bank

This list of banks was approved by the deposit insurance agency, since Tatfondbank is a member of the DIA insurance system.

How to get a deposit in Tatfondbank?

How to withdraw and return a deposit?

Naturally, not a single bank that is troubled and has lost liquidity can return to the depositor the funds invested earlier. This is the whole essence of the interaction of clients with problem banks, when bans are imposed on any operations with money on client accounts. And in order to avoid, and in relation to any bank, you need to know the rules of interaction and follow them, otherwise unexpected and unpleasant problems may appear, as with Tatfondbank.

However, the agent banks were appointed to do just that, to start making normal payments to depositors. And in order to withdraw and return his deposit from Tatfondbank, the depositor must:

1. Find out all the information of interest to him regarding the procedure for the return of deposits. By the way, additional information on the payment of insurance compensation is available by calling the DIA hotline - 8-800-200-08-05 (calls are free)

2. Read the information on the DIA website regarding the distribution of depositors for each of the selected agent banks - about the timing and places for accepting applications for the payment of "insurance". The DIA undertook to publish such information on its website by December 23, 2016.

3. In order to receive insurance compensation, the depositor will have to present an identity card (passport) at the agent bank and fill out an application according to the issued form at the agent bank, which will pay depositors money from deposits placed in Tatfondbank. Therefore, before December 29, we go to the agent banks and write an application there.

4. In addition, you need to know that it will be possible to receive deposits in the hands of agent banks from December 29, 2016, but not earlier and strictly within the sum insured up to 1.4 million rubles.

Based on the situation, if you want to know what will happen to the deposits in the troubled Tatfondbank, then we can say with confidence that the money is and was found, and insurance compensation will be paid, as is the case with problem banks, in the amount of not more than the sum insured - up to 1,400,000 rubles, taking into account the "accumulated" interest on all deposits in the amount.

As for returning deposits for amounts greater than 1,400,000 rubles, this is extremely difficult to do, but possible. To do this, you just need to walk around and “knock out” your own deposits.

However, a lot depends on what happens next with the bank. If the bank is sanitized, then gradually, somehow over a considerable period of time, it is still possible to “shake out” money from your deposit from the bank of the sanatorium.

If the bank is declared bankrupt, the property is sold, and the license is revoked, then you will have to “collect the remaining crumbs”, because if any bank goes bankrupt, especially a large one with a huge billion-dollar “financial hole”, it is impossible to completely cover it with the help of the sale sale of the bank's property - the proceeds from these operations will not be enough for all depositors in general, although there is still “collecting another crumb from a piece”. But in such cases, it is definitely not worth counting on much.

Hence the conclusion that in the case of your money, over 1,400,000 rubles, one might say, simply disappeared. But with the reorganization, there are absolutely chances to return everything in full.

A more detailed guide on the return of deposits is indicated in the article below.

Tatfondbank moratorium already introduced?

For those who do not know, from December 15, 2016, the regulator represented by the Central Bank of the Russian Federation introduced a moratorium on payments to creditors of Tatfondbank for a period of 3 months. This decision was made after it became clear that the credit institution was unable to fulfill its loan obligations on time. However, you should not worry about the moratorium, as this is a completely insured event.

Legal entities should especially pay attention to the moratorium introduced by the Central Bank of the Russian Federation, because the further fate of their accounts depends on it. What will actually happen to them will be announced later. And when exactly? It is difficult to say about it, perhaps within 3 months, perhaps later.

It is worth noting that, naturally, as always, ordinary individuals who kept only their deposits in the bank, in a problematic situation with banks, regarding the return of funds, are somewhat easier.

What prompted this turn of events was that the bank was faced with a massive influx of customers into the offices in order to close their deposits immediately and in full. Therefore, many in this case do not understand why some still doubt whether to close the deposit or not, moreover, some of them doubt even in front of the camera of journalists, so to speak, talking about it live.

What's next for Tatfondbank?

Tatfondbank going bankrupt?

Sanitation of Tatfondbank?

To put it bluntly, due to the fact that the bank is the largest in the entire Republic of Tatarstan, all parties are interested in the need for reorganization of a troubled financial institution, and it cannot be said that someone needs it more, and someone not so much, because interest in a positive outcome of the problems that have arisen, both investors and businesses, along with interests, represented by government officials in the region.

However, the task of saving the bank is financially difficult, but quite possible, due to the fact that a “hole” in the bank has formed in the amount of 120 billion rubles. Therefore, it is impossible to close such a formed "hole" with the help of any one source of funds, here they need several. Thus, different parties will work to improve the situation with the bank - this is the Central Bank, and creditors, for example, represented by the government of the Republic of Tatarstan, and the DIA combined. Moreover, the decision, agreements and approvals have already been successfully adopted.

From this we can conclude that with a very high probability Tatfondbank, which has very serious financial problems, will still be sanitized, rescued and change owners. And all clients of the bank will gradually receive their money in full, both individuals and legal entities. In this regard, if necessary, you should just wait and take certain actions.

Thus, summing up what has been said, Tatfondbank will be able to avoid bankruptcy proceedings.

Tatfondbank problems today at the bank are not comic

And in conclusion, it is worth saying what is the problem for the bank itself and what exactly led to its appearance in the largest Tatarstan bank. There are several causes of the problem at once, and they are all interconnected with each other.

Reason 1: Sudden panic among customers and depositors of the bank, both at the bank's offices and on the Internet

Agree, this happened so unexpectedly that it entailed immediate action on the part of the bank's management - they began to close everything that was possible and put bans on money transactions known to everyone.

In addition, on the basis of panic, the bank recorded an outflow of 10% of its clients' deposits in 3 weeks. As they say, those who did not have time are late. And someone did, having heard enough rumors about the problems of the bank.

Reason 2: Rumors about the possible reorganization of Tatfondbank

There is nothing special to comment on here, rumors are rumors, sometimes they come true, sometimes they don’t. This time, it is safe to say that the rumors were confirmed, which became a reality.

Reason 3: Financial hole associated with poor-quality actions to reorganize banks such as Timer-Bank

Recall that Tatfondbank is sanitizing both of these banks, and now it needs sanitation itself. Here we can state the fact that the bank's management failed to successfully sanitize other banks.

Reason 4: Connection with another large bank - Peresvet

The point here is that the management of Tatfondbank raised funds in repo under the bonds of this bank, approximately in the amount of 5 billion rubles. But the thing is that when problems arose in Peresvet Bank, the funds raised for Tatfondbank automatically and suddenly also became problematic and the bank had to return them back by repo against bonds, which directly affected the current liquidity of the bank in a negative direction.

Thus, a whole range of problems "resulted" in the formation of a huge financial hole in the bank and a financial collapse within the bank itself.

About the memo for all clients and depositors of any banks

It is worth noting that there are a lot of people who do not know how to do it right. Moreover, if you invest only 100-200 thousand rubles or even less, this also applies. As a rule, it's not about the insurance amount of 1.4 million rubles, but about not keeping all the savings in one bank, this is at least.

Therefore, in order to be the right investor, for this there are so-called, for creating and opening deposits in banks, which must be observed in relation to even the most reliable banking institutions.

Compliance with the rules and essence of the depositor's memo allows the bank's client to protect himself from unpleasant problems and, at a minimum, smooth out their impact on his own financial situation.

In addition, it is worth noting that keeping your savings in banks is unprofitable and unreasonable. It is much more profitable not only to simply save them through banks, which, as we now know, sometimes create unforeseen problems for the client, but also to multiply them using various profitable financial instruments.

And if you do not use them yet, except for bank deposits, then you deprive your financial wallet of passive or semi-passive (depending on the financial instrument) enrichment.

To use other financial instruments to increase your own capital, . It sounds, of course, “loud”, but it is not difficult and feasible for every person, even with savings of a couple of thousand rubles.

Question-answer on the situation with Tatfondbank

How and when can I get a deposit in Tatfondbank?

Deposits to individuals will be issued by agent banks, which are indicated in the article above, they were chosen by the DIA.

The beginning of the return of deposits for individuals is not earlier than December 29, before this time, although later it is also possible, you need to apply to the agent bank for insurance compensation.

Naturally, it will be possible to receive funds at this time only within the insurance amount of 1.4 million rubles.

As for legal entities, the situation will be resolved a little later with regard to them.

How to get a salary in Tatfondbank?

To receive a salary by bank cards, you should contact your employer's accounting department for advice and find out whether the transfers go through or not - whether the fact of transferring your salary to your card is recorded.

If the transfer was successfully completed, then you will not be able to withdraw money from the ATM of Tatfondbank. To do this, you should use an ATM of another bank, for example, Sberbank. Yes, there will be a commission for withdrawing money, but there is no other way out.However, there is a way for the future.

It is recommended that you contact your employer's accounting department and declare your intention to change the bank details for which you want to receive wages for future months. To do this, you need to talk with the employer and find out whether the employer will transfer the management of the so-called salary project to any other bank.

If so, your employer will issue you a new card from another bank. If not, then you can do it yourself, for example, by providing the details of your personal debit card of some other bank, naturally, by renewing the contract for the payment of wages from the employer due to the change of details. At the same time, it is necessary that you, as an employee, have already issued a debit bank card. If it is not there, then it is better to pre-register it, after consulting with your employer on the intention to receive a salary for it in the future.

How to receive and withdraw a pension at Tatfondbank?

Here the situation is directly similar to receiving a salary.

Employees of the pension fund did not note the disruption of the schedule for the payment of pensions in the region - it is transferred in the usual way.

Based on this, pensioners have 2 options.

Exit 1: receive a pension for the last 1-2 months from a card issued at Tatfondbank, but through an ATM of another bank and continue to receive it in the same way.

Exit 2: either receive a pension for the last months through an ATM of another bank, and immediately hurry up with the issuance of a pension card in another bank, for example, in Sberbank and bring new details to your regional office of the Russian pension fund in order to receive a pension already for the next months new details.

And, of course, since the situation in Tatarstan with other banks is favorable, there are plenty of more reliable banks in the region, it is recommended that both pensioners, working people, and businessmen and entrepreneurs transfer all their affairs to other banks. And which one to choose? More on this later.

Which bank should depositors and legal entities from Tatfondbank transfer to?

This can be done at the agent bank chosen by the DIA. As you know, these are 5 banks - Sberbank, VTB24, Rosselkhozbank, FC Otkritie bank and AK BARS bank.
From this list, it is safe to say that Sberbank and Rosselkhozbank look very preferable to the rest, against the backdrop of a general banking crisis.

However, we have always recommended and will recommend to all readers only banks from the top 50. We talk about this on the page dedicated to the revocation of banking licenses in Russia, and we also explain how to choose the most reliable bank in Russia.

Therefore, based on this position, at least 10-15 more reliable banks from the top 50 rating are available for you to choose from. Thus, if you wish, you can consider cooperation with them, if, of course, you need it.

Tatfondbank what should a depositor do?
What should Tatfondbank depositors do?

Here are the detailed steps on what a depositor needs to do to withdraw their money from a deposit in a troubled bank.

Tatfondbank deprived of license?

The situation is unclear. The bank will be sanitized and rescued with the help of the efforts of the Central Bank of the Russian Federation, the DIA and the government of the Republic of Tatarstan, and at the same time the owners of the bank will be changed, or the bank's license will be revoked.

Phone "hot line" from the DIA for Tatfondbank

For details and advice on special situations, you can contact the hotline - 8-800-200-08-05

Video report on the situation in the bank

Urgent news!

Tatfondbank license revoked?

If you wanted to know if the license from Tatfondbank will be revoked in 2017, then the answer is this.

Unfortunately, for all the bank's clients, and despite numerous rallies and protests, since March 3, 2017, the Central Bank of the Russian Federation has revoked, or, more simply, deprived it of a banking license.

Thus, despite the fact that the bank was in the top 50 rating of Russian banks in terms of assets (42nd place), this once again seriously hit the trust in banking institutions, even the most reliable, of all citizens of the country. This means that all clients of large banks, that is, not only small and medium ones, now also need to look for various solutions to reduce their financial risks in connection with doing business, opening accounts, opening deposits, and so on. This is what we wish you to do, at least until the banking market is so “stormy and in a fever”.