Good afternoon You did not leave Donbas, Lugansk and even Aleppo without help. Help our Russian citizens and their families. You, Vladimir Vladimirovich, say a lot of good things about supporting small businesses. I am writing to you from Kazan, my name is Albina, and I am a representative of not even a small, but a micro or nano business.

But despite this, our organization regularly pays taxes and wages workers. Our company started working on April 13, 2016 and opened a current account with PJSC AIKB Tatfondbank. The bank seemed reliable, with the support of the authorities of Tatarstan.

On December 5, 2016, payment orders with payments to counterparties stopped leaving. We went to the main office and found out that payments in the amount of 748,000 rubles were debited from our current account to the correspondent account of the bank and did not go anywhere. Further, the bank reduced the number of operating offices, and 14.

12. 2016 and completely stopped working. 15. 12. 2016

The Central Bank of the Russian Federation introduced a moratorium on satisfaction of creditors' claims. Further, bankruptcy and revocation of the bank's license are expected. Individuals have nothing to fear, their deposits are insured up to 1 million 400 thousand rubles.

What should we do? Production has stopped, workers wages. They didn’t get paid, there was nothing to pay for the rent, everything was left in the bank. And then there will be claims under contracts with counterparties for damages, courts, etc.

Why is the business unprotected? Today we went to the main office, there "ours" in jeeps with the state. Car numbers with numbers of the Ministry of Internal Affairs passed through the emergency exit to ATMs and took out money. Many people filmed it, we even found this secret entrance, filmed it a little, but the guards kicked us out. The plot was sent to the TV company "Efir".

How to continue to live and work. The leadership, including the government of the republic, was plundered and removed from the beginning of the week. The business has about 7.3 billion rubles left in its accounts. I repeat again, this is not big business and mostly small firms.

Oblige high-ranking officials guilty of theft or our government to make payments to legal entities! After all, the amount is not too big for our government, but for us it is the only source of income! Now is not the best time anyway, this is money earned with sweat and blood. And no responsibility! You did not leave the workers of the Vostochny cosmodrome in trouble and obliged them to pay the money due to them.

Due to this situation, many people, not only business owners, but also their subordinates will meet New Year with empty pockets, and these are hundreds of families AND CHILDREN WITHOUT NEW YEAR'S GIFTS! Let the business be returned at least some amount, without waiting for the license to be revoked from the bank! WE HOPE AND BELIEVE that my letter will reach the addressee, I really hope so. Sincerely, Safina Albina.

It has been feverish all last week, and company owners are considering what to do in order to "pull" money out of troubled banks. By and large, there are not many options.

Option one: according to a lawyer of one of the federal banks of Russia, the only option to return money stuck in a problematic financial organization, - an agreement with the management or employees of the bank. So, one of the Kazan entrepreneurs "pulled out" the frozen money from the BTA bank in parts, for a small bribe, having agreed with the tellers so that they would "push through" his payments in the first place.

However, not everyone can boast of such contacts or sociability. In this case, it remains only to wait and calm down as much as possible. If the same "Tatfondbank" is kept (and the conditions of preservation are now being discussed), then the money will return sooner or later.

But what if your bank loses its license? This question is answered Artem Yeyskov, journalist for the Banki.ru website:

"Short answer: mentally say goodbye to money, but perform a couple of simple actions in order to get at least something in a year and a half. If you're lucky.

Long answer.

After the revocation of the license from the bank and the termination of operations, it is no longer possible to legally receive your funds from the account. The money is frozen as of the day the license is revoked, the accrual of interest on it is stopped, and currency deposits converted into rubles current exchange rate. At this point, all legal entities that held bank accounts become its creditors. The Bank of Russia appoints a temporary administration, which in the future will deal with all the affairs of the collapsed bank.

Further, two options are possible. If, according to a preliminary assessment, the bank has enough funds to pay off all obligations, then the procedure for forced liquidation begins. The property and assets of the bank are being sold, and everyone to whom it owed money receives their money in full. This scenario is extremely unlikely; in real life, a bank's license is revoked when there is nothing to pay with depositors, customers and employees. Therefore, most likely another procedure will be applied - bankruptcy.

As soon as you have received information about the revocation of the license from your bank, begin to closely follow the news about the processes taking place in the bank. The most important source of information for you at this moment is special section on the website of the Bank of Russia "Liquidation of credit institutions". It has several subsections (see the left column), including "Announcements of provisional administrations" and "Announcements of bankruptcy trustees (liquidators)".

A document will be published on the site, telling what exactly will happen to your bank - liquidation or bankruptcy. In principle, your actions in both cases are the same, but the result of the liquidation can be much better.

Please note: the section is not very well done, ads are not published in chronological order (new ones at the top), as one might expect, but sorted by bank registration numbers. Therefore, to read announcements about "your" bank, use the search on the page, specifying the name of the bank in it. The second source of information is the interim administrations themselves and the bankruptcy trustees. The third is the Kommersant newspaper, the Bulletin of the Bank of Russia and one of the local newspapers this region. But the surest option is still the website of the Bank of Russia.

There is no point in rushing to claim a refund of your funds. Nothing depends on speed here, all creditors in this sense are in equal conditions. Requirements can be presented at least immediately after the license is revoked, but there is one subtlety. If initially a liquidation procedure was announced in the bank (that is, it was assumed that there would be enough money for everyone), and then it turned out that there should be bankruptcy, then legal entities and entrepreneurs will have to submit the same application again. A separate question is where to get the original documents attached to the application for the second time. Probably, you will first have to return the entire package of papers handed over, and then present them to the bankruptcy trustee again. Or make it easier: initially submit certified copies (see below).

In any case, it is better to prepare carefully and collect as many documents as possible confirming your rights to money in the bank. The main thing is to fit in 60 days after the publication of the bankruptcy notice. If everything is in order with your claims and they are not rejected by the bankruptcy trustee, then they are included in the register of creditors' claims. At some point (not earlier than 60 days after the publication of the bankruptcy announcement), the register is closed. In principle, you can make claims after the registry closes, but in this case you will be at the end of the queue (more on this later).

What documents must be presented in order to get into the register?

An application that indicates the amount of claims, grounds (listing documents confirming the existence of a bank account and the amount on it), details of the account to which money must be transferred, real postal address for receiving letters from the bankruptcy trustee, telephone number and standard information about the organization (Name, legal address and the name of the head);

All documents listed in the application: bank service agreement, account statements with the latest possible date, receipt orders, payments with a bank seal and everything that comes to your mind and that you have from what can confirm your relationship with the bank and the amount of the amount remaining on the account;

Standard documents for the company, as well as documents confirming the authority of the person who signed the application: charter, extract from the Unified State Register of Legal Entities, order to appoint a director, etc. (they are listed on the application form).

It is important that all documents must be submitted only in originals or certified copies. How exactly to certify copies of specific documents, it is better to ask the interim administration of the bank or the bankruptcy trustee when he will be appointed, since both notarization and simple certification by the creditor himself are allowed, and each trustee may have his own thoughts on this matter. And, of course, when submitting documents, be sure to receive confirmation that you have submitted them (receipt of receipt).

One more note about timing. There is no need to rush and submit the wrong set of documents, but you should not put everything off until the last day either. The fact is that the temporary administration or the bankruptcy trustee may refuse to enter you into the register of creditors. If this happens, you will have to repeat the application process (with the correction of errors), and there may not be time left for this.

After submitting the documents, you can relax and start waiting. Although, to be honest, legal entities will almost certainly receive nothing or, at best, return a small part of their funds. Why?

Claims against a bankrupt bank are divided into three stages. In the first - the DIA, the Central Bank and individuals with deposits exceeding the insured amount (plus those who were harmed by the bank to life and health). After they all receive the money, the time comes for the “one and a half” queue - the same categories, but who did not manage to get into the register on time. If after these payments there is still money left, they go to the bank employees, who are paid back wages and compensation for dismissal. If even after these payments the funds have not come to an end, the balance is distributed among the legal entities and individual entrepreneurs included in the register. Finally, the latest in the list are legal entities and individual entrepreneurs who are not included in the register, but who have presented their requirements.

Each queue of creditors must receive their money in full, only after that the time for the next queue comes. If there is not enough money, then within one queue they are distributed in proportion to the debts: who had more money in a bank, he will receive more, whoever has less will receive less in rubles, but the same share as the more “rich”. Legal entities, as can be seen from the order, are at the very end, so there will almost certainly not be enough money to fully satisfy their requirements. The only question is how many kopecks per ruble they will receive - zero or a little more.

The whole bankruptcy procedure of the bank should last no more than one and a half years. Usually the first stage receives money 6-9 months after the bankruptcy, the rest (if they have something left) - later.

As can be clearly seen from the description, the entire bank bankruptcy system is built in such a way that legal entities and entrepreneurs can return their funds only if a sufficiently “healthy” bank with real assets. Yes, and on the condition that the sale of assets will be carried out honestly, at the maximum cost. If the bank was already half-dead before the revocation of the license, with bad assets, low reserves and bad debts, then no payments to legal entities are threatened. Nevertheless, it is not so difficult to collect documents and take them to the bankruptcy trustee. And then - how lucky."

That the joint efforts of the shareholders of Tatfondbank and the Central Bank made it possible to avoid a critical scenario for the development of events in a credit institution. The Kazan Reporter tells how one of the 50 largest banks in Russia in terms of assets and equity lost 10% of deposits, creating a "hole" in the amount of 120 billion rubles in his fund, and what should clients do now.

WHAT'S HAPPENED?

In October of this year, after the suspension of the activities of the bank "Peresvet" (Tatfondbank was the holder of the bonds of this bank), the TFB with an "eternal liquidity shortage" found itself in a critical situation and subsequently began to delay payments. By law, if a bank delays payments for longer than two weeks, the Central Bank is obliged to intervene in the situation (which, in fact, it did).

After that, the media appeared about the possible reorganization of the TFB, which caused panic among depositors. The situation developed rapidly and Tatfondbank was forced to introduce various restrictions. First, the bank had a working week, then introduced operations to withdraw cash and close deposits. Further more. On the morning of December 13, TFB suspended the work of 13 offices , and in the evening of the same day, a credit institution on the temporary suspension of settlement and cash services until December 17.

WHAT IS HAPPENING NOW?

The Bank of Russia has decided that in the next six months Tatfondbank will be managed by the Deposit Insurance Agency (DIA). It is expected that within six months the DIA will conduct a full audit financial position troubled credit institution and decide on its further work. In its turn, Rustam Minnikhanov announced his readiness to assist the bank (Tatarstan is the controlling shareholder of the TFB).

Chairman of the Board of Tatfondbank Robert Musin removed from office, and the bank introduced a moratorium on satisfaction of creditors' claims for a period of three months, which is an insured event.

Meanwhile, it became clear that the price of salvation" « Tatfondbank" increased to 120 billion rubles.

I INVESTED MONEY IN THIS BANK, WHAT WILL HAPPEN TO THEM?

If your contribution is not more than 1.4 million rubles, you don’t need to worry too much. True, you will have to wait. In connection with the advent insured event each depositor will be reimbursed in the amount of 100% of the amount of all his bank accounts with a limit of no more than 1.4 million rubles in total.

payments to individuals and individual entrepreneurs begin no later than 14 days after the introduction of external administration, that is, on December 29. Until that day, the DIA will publish an official announcement on the place, time, form and procedure for accepting applications for the payment of reimbursement of deposits.

SO, AND HOW WITH LEGAL ENTITIES?

A moratorium for 3 months was imposed on their demands by the decision of the interim administration . This is the decision of the Central Bank of the Russian Federation. Later, the fate of these accounts will become known.

AND I HAVE A LOAN, CAN I NOT PAY IT?

No, you will have to pay. According to the law, even the bankruptcy of a bank (and the TFB has not yet reached this point) does not mean the termination of obligations for the borrower. In any case, the bank will have a legal successor, who will continue to collect debts. The website of Tatfondbank states that the repayment of loans will be made in the usual manner according to the payment schedule. But not everything is so simple. The problem is that bank branches and ATMs do not work. Earlier, the bank stated that it is possible to pay through the branches of partner banks (Timerbank and Intekhbank) and their ATMs, but now they themselves are not going smoothly. The specialists of the institution are already preparing a new memo for clients. It is known that you can repay loan payments using the details in any bank, but with a commission.

OK, WHAT IS HAPPENING WITH OTHER BANKS?

Due to the situation around Tatfondbank, some Kazan banks, fearing "panic", took various measures. So, Intekhbank has a number of temporary restrictions on withdrawing money - first up to 50,000 rubles a day, and then up to 10,000, and then the next day after ordering the amount. "Altynbank" to holders plastic cards that due to the failure to fulfill the obligations of the processing center of PJSC Tatfondbank, operations for payment for goods and services in trade and service enterprises were suspended.

"Timer Bank" generally refused to serve customers of third-party banks for a while.

AND NOW WHAT I CAN DO?

Banks will lift the restrictions as soon as the situation with Tatfondbank customers stabilizes (when citizens no longer gather at the entrance to worry about their savings).

If you are a client of Tatfondbank, then you just have to wait. Payments of reimbursement on deposits will begin no later than December 29 (but, apparently, not earlier). Now the bank has closed access to the systems "Online Partner", "Internet-Client" and their mobile applications. And the administration of the bank itself asks customers to "temporarily refrain from making payments through the TFB."

If you are not a client of Tatfondbank, hope that the situation will not affect your bank and enjoy life.

Anastasia Krasilnikova, Marcel Batyrshin, Anton Reichshtat.

Content

In April 2019, after 3 months of interim administration, Arbitration court Republic of Tatarstan declared Tatfondbank bankrupt. appointed bankruptcy trustee State Corporation Deposit Insurance Agency (DIA). If you are a borrower and want to understand where to pay a Tatfondbank loan when revoking a license from an organization, be aware that the liquidation of a bank does not in any way cancel loan agreements and debt repayment obligations. Learn how to continue making payments.

What to do with a loan at Tatfondbank

Now the offices of the credit institution are closed. What will happen to Tatfondbank loans and where can I make the next payment? You can get the latest information on the DIA website (asv.org.ru). If you are interested in what awaits deposits individuals, the procedure for presenting creditors' claims to the bank is also posted there. There is information for those wishing to repay the loan.

These are two categories of persons: the first may lose part of their funds, which will not be compensated, the second - risk spoiling credit history due to debt repayment uncertainty. The work of the "Deposit Insurance Agency" is aimed at helping both groups - fresh information is promptly posted on the website, a special "Hot Line" is opened for depositors and borrowers of the bank. It is possible to consult with DIA specialists and via the Internet using e-mail.

Is it possible not to pay the loan

In the event of the bankruptcy of a financial institution, borrowers are not released from the obligation to repay the debt under consumer credit or mortgage. Debentures are transferred to a temporary administration or a third-party bank. If you are a Tatfondbank borrower, you should by no means stop repaying loans. The answer to the question of whether it is possible not to pay a loan at Tatfondbank can only be negative. By delaying payments, you will create a delay, so further problems in the form of collectors or litigation you can not avoid.

In the event that the liquidator assigns the debts of a bankrupt to another financial institution, the problem of whether to pay the loan at Tatfondbank is removed automatically. The debtor receives a notification from the successor indicating the new details (where to pay the Tatfondbank loan and other information on payments). The borrower may also be asked to sign new treaty, but he has the right not to do this if the proposed conditions do not suit him. In addition, the successor cannot claim early repayment payments.

Where to pay a Tatfondbank loan without commission

The license revocation and bankruptcy procedure did not occur through the fault of Tatfondbank's clients, so they should not experience additional financial burden in addition to the existing one. Now, with the participation of the DIA, the money must be returned to Tatfondbank's depositors, and convenient conditions will be created for borrowers to accept payments to repay the loan. If you want to make a payment without extra commission, use one of the methods described below.

Service "Zolotaya Korona - Repayment of loans" (RNCO "Payment Center")

« gold Crown” is a convenient payment service, which is presented in the salons of mobile operators, branches of banks and other organizations (Euroset, Russian Post). The widespread use of the network, the minimum amount of information required for payment, and the absence of commission fees have made this system very popular with those who need to make payments on account of repayment. credit debt. In connection with the revocation of the license from Tatfondbank, the service stopped accepting payments to its details, but the website of the deposit insurance agency says that the service will resume in the near future.

Acceptance of cash payments for borrowers of Tatfondbank takes place at the address: Kazan, st. Chernyshevsky, 43/2. To transfer, you need to fill out a special form, indicating the necessary details and the amount of payment (you must have a passport or other identification document with you). The cash desk is open without interruption from 9:30 to 17:00. Do not forget to keep a receipt for the operation.

Through the terminals of JSCB "Russian Capital"

If the question of where to pay the Tatfondbank loan is still relevant for you, pay attention to the battery terminals " Russian capital”, which also make it possible to make payments without commissions. By specifying the information in the fields “agreement number”, “date of receipt of the loan”, “borrower data” and “phone”, you can make a payment (one-time payment should not exceed 15,000 rubles). Terminals are located at:

• Moscow, st. Vysotsky, 4;
• Moscow, st. Lesnaya, 59, building 2.

At the cash desks of Tatfondbank of Moscow

Another opportunity to make a cash payment without a commission (extra interest) is to do it through the bank's cash desks at the address: Moscow, Lesnaya street, 57, building 4. The information that you need to specify when paying is the same as in other cases (bank details, payment amount, borrower's data). Ticket office hours: Monday-Thursday - 9:00-17:00 (break 13:00-13:45), Friday - 9:00-11:00.

Repayment of a loan through a third-party bank with a commission

Financial organizations will also help you decide where to pay the Tatfondbank loan, but they charge a commission for their services. For example, Sberbank will transfer money for 1-2% of total amount, depending on the transfer option (through an operator or remotely). Approximately the same rates for other credit institutions, so the interest-free offers of Rosbank and Ak Bars Bank look very attractive against this background.

How to pay a loan in Tatfondbank

Having dealt with the question of where you can pay Tatfondbank loans, it remains to transfer money. It is easy to do this with the necessary details. When making a payment for legal entities and individuals, there are some differences, but they are not complicated. After making the payment, do not forget to clarify the passage of the amount in order to be sure that the money has reached its destination.

Requisites for payment by individuals and legal entities

Payment to the address of the bankruptcy trustee is suitable for both legal entities and individuals. In this case, you must specify:

• Beneficiary - State Corporation "Deposit Insurance Agency".
• Address - Russia, Moscow, 109240, st. Vysotsky, 4.
• The beneficiary's bank is the Main Directorate of the Bank of Russia for the Central Federal District, Moscow 35.
• BIC - 044525000.
• Settlement account - 40503810145250003051.
• TIN - 7708514824.
• Checkpoint - 770901001.
• Purpose of payment - the account of Tatfondbank PJSC with the Agency No. 76/11-0587 must be indicated here. In addition, there must be the borrower's data (last name, first name, patronymic or company name), number loan agreement, credit card or card account.

Requisites for payment only by individuals

There is another way to pay off the loan, but it is only suitable for individuals. In this case, the data to enumerate will be as follows:

• Beneficiary - PJSC "Tatfondbank".
• Address - Republic of Tatarstan, Kazan, 420111, st. Chernyshevsky, 43/2.
• Beneficiary's bank - Branch of the National Bank for the Republic of Tatarstan, Volga-Vyatka GU of the Central Bank of the Russian Federation.
• BIC - 049205815.
• Correspondent account - 30101810100000000815.
• TIN - 1653016914.
• Checkpoint - 165501001.

In the "purpose of payment" field, you must indicate the number (which was the recipient's account before the license was revoked), and be sure to write that the transfer Money performed to pay off a loan. It is necessary to provide information that allows you to identify the payment - the details of the borrower, the number and date of the loan agreement or bank card, the payment period.

Problems in banking in Russia continue and this time they have reached a very large bank of the country, namely, it would be more correct to say, the region - the Republic of Tatarstan, which is 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" has risen since 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 has formed a very high early withdrawal funds from customers amid rumors about a possible reorganization and bankruptcy of the bank in the Internet media and in 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 management of the bank decided for the period from 14 to 17 December 2016 to suspend settlement and cash services, 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 payments of insurance compensation, available by phone hotline DIA - 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 problematic Tatfondbank, then we can say with confidence that the money is there and found, and insurance claims 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 reorganization, the chances of returning everything to in full, there is absolutely.

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 credit organisation became unable to fulfill their credit obligations V deadlines. However, you should not worry about the moratorium, as this is a completely insured event.

Especially on the moratorium Central Bank The Russian Federation should pay attention to legal entities, because the 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 to reorganize the problem financial institution, and it cannot be said that someone needs it more, and someone not really, because both investors and business have an interest in a positive outcome of events from the problem that has arisen, along with interests represented by government officials in the region.

However, the task is to save the bank in financial terms difficult, but quite possible, due to the fact that the "hole" in the bank 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, it can be concluded that with high probability Tatfondbank, which has very serious financial difficulties, will nevertheless be sanitized, saved and will 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, whoever did not have time, he was 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: Connecting with others big 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 in the event of problems at Peresvet Bank, the funds raised for Tatfondbank automatically and suddenly also became problematic and the bank had to return them by repo under bonds back, which directly affected current liquidity bank in the 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 are not using them yet, except 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 at Tatfondbank?

To receive a salary bank cards, you should contact the accounting department of your employer 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 to contact the accounting department of your employer and declare your intention to change Bank details for which you want to receive salary for future months. To do this, it is necessary to talk with the employer and find out whether the employer will transfer the maintenance of the so-called salary project to some other bank.

If so, your employer will give you new map another bank. If not, then you can do it yourself, for example, by providing the details of your personal debit card any other bank, of course, renegotiating the contract for the payment of wages from the employer due to a change in 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 pension fund There was no failure in 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 get a pension for recent months through the ATM of another bank, and immediately hurry up with the issuance pension card in another bank, for example, in Sberbank and bring new details to your regional office of the pension fund of Russia, so that in the coming months you will receive a pension using 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 it on the reviews page. 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. What we wish you to do, at least until banking market so much "stormy and feverish."