Bank "Taurian" different average size of assets, low levels of liquidity, a large corporate loan portfolio.Since the beginning of 2015 greatly reduced the credit rating organization.Bank "Taurian" has problems.What will happen to the institution?
history
In 1993, in St. Petersburg was founded Bank "Taurian" nine industrial and commercial enterprises.Over time, ownership structure greatly expanded: the largest founder owns a 15% stake, and small - 3.73%.The network includes 19 offices and 35 cash desks in the capital, St. Petersburg, Cherepovets, Arkhangelsk Oblast, Komi Republic and 470 staff.By the end of 2014 Bank "Taurian" (St. Petersburg) is among the hundred largest credit institutions of the country.The organization has collected 20 million rubles in the form of deposits from individuals.
Products
Although the bank was guided by the corporate sector, for individuals developed an interesting range of deposits.Contribution "Term" with replenishment and capitalization can be opened for a period of three to 12 months in national or foreign currency.At the minimum amount - 10 thousand rubles - 12.5% to be allocated annually.
wishes to experiment with the course can open deposit "Multicurrency" for a period of six months under the simple interest rate of 12.7% in the amount of not less than 50 thousand rubles equivalent.
Other products of the bank were no less interesting.There is a possibility of early termination of the agreement with interest payable at the full rate in almost all deposits.However, the option of partial withdrawal was not provided at all.Deposit rates are high.But judging by the reviews of customers, not everyone can put on deposit at once 10 thousand rubles.
For quick access to the account can be ispolzvoat application "Mobile Banking".The service is included in the SMS-information service, which connects even on a normal mobile phone.With it you can:
- seek balance;
- form a mini-statement;
- block the card;
- recharge the phone;
- to pay for services;
- receive details;
- create individual payment templates.
first nonpayment
In January 2015 Electric Grid Company "Lenenergo", asked the central bank to sanitize "Tauris".On the accounts of a credit institution holding company has about 10 billion rubles.This corresponds to 20% of liabilities of JSC "Bank Tauride".The problems began in 2014 when customers could not withdraw money from payroll 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, the agency S & amp; P downgraded the rating of the organization to the lowest level - CCC.According to analytical service, the bank "Taurian" (St. Petersburg) had a lot of difficulties: high risks on the largest loans, low capitalization, the outflow of deposits.As it became known later, the Central Bank before the New Year addressed the issue of rehabilitation of the financial institution.
"Lenenergo" - the main creditor
share of the company owned by the local authorities.Governor of St. Petersburg sent a request to the Central Bank to keep the license and bank sanitize "Tauris".Problems of the organization there, but they can be solved without liquidation.The controller is ready to allocate 20 billion rubles, but taking into account compensation "Lenenergo" must be an additional 17 billion rubles.(15 billion for payment of the deposit and another 2 billion are stored on settlement accounts).
Bank "Taurian": problems
On February 1, 2015 the organization there were 48.5 billion rubles.as assets.90% of the loan portfolio is distributed between the IR "Tauride" and alcohol plant.The two organizations since the summer of 2014 does not repay the debt.In February, an investment company generally eliminated.So that the state of the bank's assets is poor.
Improvement
regulator found five contenders for the role of sanatoriums, among them was the "International Financial Club".Organization always been interested in the opportunity to work with distressed assets of institutions that are in need of rehabilitation.However, the organization has applied "Baltinvestbank."It was planned that the IFC would deal with the problems of the credit institution and the second Sanatorium - "Lenenergo".
Bank "Taurian", problems which began in 2015, is also interested in "Russian capital" and IIB.Both organizations have applied to participate in the process of improvement of the loan facility.However, in March the IFC was chosen as the nursing home.The plan sets the investor full control of the bank, and at the end of 2022 attaches it to the IFC.To restore the liquidity of the Deposit Insurance Agency is ready to allocate a loan of 28 billion rubles for 10 years.
first results
Bank "Taurian" problems with some large customers who are interested in improving the credit institution unable to settle myself.As a result of the negotiations, it was decided to transfer the obligation "IDGC North-West" and "Lenenergo" in subordinated deposits.Another 6 billion rubles, "Tauride" returned the grid company.In addition, sanatoriums appealed to customers asking them not to take the current contributions.
A month after the appointment of the IFC reopened Bank "Taurian".Deposits for which the period has already begun in April 2015, were pererazmescheny, most of the customers prefer to pick up deposits.To this end, developed electronic queue list.Based on customer feedback, some investors withdrew their lawsuits.
investigation in June 2015 in the offices of "Lenenergo" and "Tauride" is being searched.Former director of Electric Company, was detained on suspicion of abuse of power.Opened a criminal case under Art.201 of the Criminal Code.The task force in the office to check the documents relating to the "Tauride".The bank also conducted investigations to verify a customer.
Conclusion
Another institution came under process of improvement.This Bank "Taurian".Problems in the financial institution started in late 2014, when customers could not withdraw money from payroll cards.Then the representatives of "Lenenergo", appealed to the Central Bank with a proposal to sanitize the pot.The process takes the IFC, which has allocated ACB loan of 28 billion rubles for 20 years.
