Lose the trust of not only officials, but also the banks. Something similar happens with Tatfondbank controlled by the authorities of Tatarstan, (Chairman of the Bank Board Ildar Khalikov - the prime minister of the federation subject) experiencing chronic difficulties with liquidity. The situation worsened in the background of the collapse of the bank "Relight" that followed the flight of its Chairman of the Board Alexander Shvets. Large funds Tatfondbank stuck in the "Peresvet", together with savings Alina Kabaeva and several other Russian athletes. Moreover, the government seems to also understand that found themselves in an unenviable position, because of which the Tatarstan government wants to reduce its stake in the bank twice, writing off losses of the state budget of the Deposit Insurance Agency (DIA)
Since last week Tatfondbank has difficulty in carrying out payments. By law, the failure to payments for a period of more than 14 days requires Tsetrobank revoke the license, so the situation requires urgent solutions, which today try to take the Committee on Banking Supervision of the Central Bank. Total volume of necessary assistance is estimated at 80 billion rubles, some of which are closed by means of conversion of the largest creditors of the bank in the capital. The amount of citizens placed in Tatfondbank exceeded 76 billion rubles as of November 1.
"Part of the hole will be closed due to the credit of the Central Bank, and in part - due to the conversion into capital assets of the largest creditors of the bank (bail-in), - says the source" b "-. It is assumed, and a significant contribution from the controlling shareholder of the bank - the Republic of Tatarstan". According to a source familiar with the discussion of the reorganization scheme, resulting in Tatarstan will keep in the bank is not more than 25%, and 75% will receive the Deposit Insurance Agency. In the future, the share of Tatarstan may rise due to the conversion of balances on accounts of enterprises under the control of the Republic. On the other hand, the Central Bank does not want to share the government increased.
At the end of the third quarter Tatfondbank included in the top 50 of the largest banks according to the rating "Interfax". The largest shareholder is the Government of Tatarstan - it (through a series of structures) owns 51%. Another 20.4% owned by LLC "Nova Petrochemicals", which the beneficiary is Chairman of the Board Robert Musin. The remaining shares are owned by minority shareholders with shares below 5%. Name of ex-Minister of Finance of the Republic of Tatarstan Government Mussina previously often mentioned in connection with the readjustment of the bank BTA-Kazan, previously controlled by Mukhtar Ablyazov. Also, the number of shareholders Musin Ltd. "Tatselhozprodukt" - subsidiary of "Ak Bars" the largest bank in Tatarstan. The list of persons under the control of which is referred to as Tatfondbank British subjects Jennifer (according to other documents - Catherine) Rin, the staff of the Ministry of Land and Property Relations of the Republic of Tatarstak ram Vadim Solovyov, Aydar Davletgaraev Albert Fakhrutdinov. In addition, the Bank is connected with the head of «ARTUG" Ildous Mingazetdinova, heads of LLC "SP Fonika" and LLC "Svitil" Sergei Palevikova and Ildar Aipov respectively.
From the "Ak Bars" activity monitor Tatfondbank Galia Habirova, Tagiyev Camille, Olga Hayrova, Damir Habipov Antonina Akishina, Nail Khadeev Edward Kabakov, Fanil Khakimov.
The problems in the market Tatfondbank said at least since the beginning of the year. They, in particular, due to the fact that the country has used the bank as a local development institution for the financing of investment projects, indicates the managing director of the bank ratings of "Expert RA" Stanislav Volkov. Such projects are long-term, divert a large amount of liquidity and does not generate torque in interest income. Tatarstan's government supported the bank, since the beginning of the year its capital was increased by almost 10 billion rubles, but it was not enough. Correct position Tatfondbank tried by readjustment of "Soviet" (the decision was taken in March). After receiving a loan from the DIA amounting to 14.7 billion rubles Bank "Soviet" issued interbank loan sanatorium. However, minority shareholders "Soviet" successfully challenged the deal in court.
According to informed sources, a critical position Tatfondbank was after the suspension of bank activities "Relight" in late October. Tatfondbank is bond holder "Peresvet" in the amount of 5 billion rubles (15% of the capital Tatfondbank). "In addition, many closed the credit limits on the banks of the second tier, and Tatfondbank with his perpetual shortage of liquidity it has been fatal, the bank began to delay payments", - said one of the sources. Indirectly confirms the distrust of investors placing Tatfondbank bonds in early November - investors bought bonds for $ 60 million for a total of $ 150 million issuance volume.
In the case of sanitation Tatfondbank he will become the first health spa, which took financial recovery. Tatfondbank sanitizes two banks - is mentioned already "BTA Kazan" and "Soviet". It is also noteworthy that the bank planned to save at the expense of entering into its capital DIA. The question now being discussed actively about what the DIA within the mechanism of change, the proposed head of the Central Bank Elvira Nabiullina, should go under the control of the Central Bank. To do this, the agency should withdraw from the capital of the bank rehabilitated them "Russian capital". "In this context, the participation of the DIA in the new project as a shareholder appears unexpectedly, however, and now there is no other option, - said a source familiar with situatsiey.- currently not possible to sanitize the banks in a different way, and it is necessary to solve the problem quickly."
In Tatfondbank board of directors, except Khalikov, includes a former top manager of "Lukoil" Aleksandr Belogorodskaya (Deputy Minister of Finance of the Republic of Tatarstan), Danil Volkov (with Khalikov present in the council "Tatspirtprom" Directors), Ildus Mingazetdinov - the deputy of the State Council of the Republic of Tatarstan, Moscow Elena Murashova entrepreneur, Robert Musin, his relative Farit Musin - Deputy Minister of land and property relations of the Republic of Tatarstan. The same council meets Airat Sabirzanov, he - a member of the Board of Directors of JSC "Generation Company", together with the same ubiquitous Premier Khalikov, the former director of BDO "Unicon Consulting" Alexander Slesarenko and financier Alexei Terekhov.
Through a chain of legal entities owned by the bank Renat Jacks, Amir Gatineau, Adele Gubaidullin Marat Zagidullin - through LLC "Selena-Synthesis", Mikhail Zharkov, Ildus Mingazetdinov Sergei Polevikov. As previously reported, the bank "Relight" controlled functionaries of Commerce and Industry, Chamber Sergey Sergey Katyrin and the poor, the daughter of the rector of Moscow State University Viktor Sadovnichy Anna Gardening and structure of the Russian Orthodox Church. Also in the "Peresvet" controlled entity closely associated with the Secretary Nikolai Patrushev, Security Council and his son Dmitry Patrushev - the head of the State Agricultural Bank.