Ak Bars closes branches. The fourth attack on Ak Bars: what is happening? Structure and dynamics of the balance sheet

Investment analyst at the international company IHS Global Ildar Lotfullin made a sad prediction about the future of Ak Bars Bank, which, according to him, is now even worse than Tatfondbank was in its time.

In an interview with Idel.Realii, Lotfullin said that they are now trying to keep the strategically important Ak Bars bank afloat with all their might. “There is an Ak Bars holding, to which bankrupt enterprises are written off - they are being restructured, reformed and made profitable, but we do not see this. We see that all these enterprises are kept afloat at the expense of budgetary and other money. They show that they work, but this is another hole. It probably can't be closed. The only way is to let go of the bank, reset the accounts and let it be sanitized,” the analyst believes.

He also stated that the future of the main Tatarstan bank completely depends on the policy of the Central Bank. “If I was in charge of the strategy and I needed the capital of Tatarstan and its underlying assets, I would not have sanitized the bank. I would wait until it collapses (and this is not for long), and then I would just take everything. And if I were in the place of the leadership of the republic, then the situation is still losing - this bank can no longer be pulled out, ”Ildar Lotfullin said.

It should be noted that the American company IHS Global, where Mr. Lotfullin works, positions itself as "the world's leading provider of information products, solutions and services." It was founded in Colorado (USA) in 1959 and now has branches in more than 30 countries and about 7 thousand employees. The company conducts a detailed analysis of information collected from various sources. And unlike local analysts, Lotfullin can afford to say what he thinks, because he is not connected with either corporate or other interests with the Russian and Tatarstan establishment.

Recall that this is not the first time ABB has been hit: after the collapse of the TFB, informational stuffing about the difficult situation of Ak Bars Bank happened periodically. The only difference is that back then the information was anonymous. But the reaction to it has not changed - both then and now, the bank itself assures that the situation is stable and customers have no reason to worry.

At the request of Vechernaya Kazan to comment on the bold statements of analyst Lotfullin, the editors received the following answer from the press service of Ak Bars Bank: “The analyst indicated in the article did not contact Ak Bars Bank for information to draw up an audit, the bank is not a client of IHS Global. We do not have information on the basis of which data they made conclusions about the activities and position of the bank.

Further, representatives of Ak Bars Bank cited a number of figures indicating stable performance of the financial institution. “According to the results of activities for 9 months of 2017, within the framework of reporting under IFRS Ak Bars, the bank received a net profit of 6.2 billion rubles, which is 1.6 times higher than the result of the previous year. At the same time, in the third quarter, the bank's net profit increased 3.2 times, to 2.8 billion rubles.

The improvement in results was driven by growth in revenue across all major business segments, including a 35% increase in net interest income, a 15% increase in net fee and commission income, and a 15.5% increase in income from securities transactions... The Bank maintains stable high indicators of the level of instant and current liquidity - H2 and H3 ... ”, etc. etc.

Summary: "This will allow the bank to withstand any market turbulence and develop the scale of the business without negatively impacting financial stability."

Rumors about ABB's problems arose after the transition of employees of the Ministry of Internal Affairs to service in VTB

Chairman of the Board of Directors of Ak Bars Bank and General Director of Svyazinvestneftekhim Valery Sorokin today held an emergency press conference on behalf of the President of Tatarstan. The reason for the meeting was yesterday's information attacks with a call to withdraw money from accounts and messages about the bank's problems. The management of Ak Bars Bank denied the information, telling who is behind it and how the bank is actually doing. Read more in the material of Realnoe Vremya.

Fake authors are the police?

At a meeting with journalists, Valery Sorokin immediately tried to explain where the rumors about the problems of Ak Bars Bank came from. This morning, the head of Svyazinvestneftekhim was convinced of the fact that fake information about the creditor is circulating in the city with might and main.

As soon as I got into the car, my driver asked me: “Is it true that Ak Bars is closing?” I realized that since the situation reached the driver, it means that the matter is already serious. I ask him how he knows. No, he did not receive a text message. He was told by a familiar traffic cop. Any decent driver has a familiar traffic cop, otherwise it is difficult for him to live. I even know this traffic cop, but I won't talk, - says Valery Sorokin.

According to him, in fact, the source of information is much wider. The fact is that throughout the country, the system of the Ministry of Internal Affairs is switching to service in VTB, which acts as a sponsor of the Dynamo sports society. The creditor comprehensively services the Ministry of Internal Affairs, and only in Tatarstan, in the person of Ak Bars, "they resisted this to the last."

According to Sorokin, the fact is that throughout the country the system of the Ministry of Internal Affairs is switching to service in VTB. Photo uralweb.ru

Ak Bars Bank issued 1.5 million plastic cards, 600,000 of which are salary cards. 6,600 police officers of Tatarstan also received money on them. If we assume that half of them are married, it turns out that there are about 10,000 primary media who were told that they would receive their salary through another bank, Sorokin explains. Given the general background in the banking sector since the end of last year, it is not difficult to guess what conclusion people will draw.

Naturally, a reasonable person, or, as one of the critics used to say, an "astute reader", immediately understands: this is not a pure matter. Our man is a collectivist, he must warn his friends. Then I tell you as a mathematician: 10 thousand carriers of primary information that something is not right, we take 3 people we know from each. At the 4th step, there will be all the able-bodied population of Kazan, at the 5th step - more than half of the population of Tatarstan through a simple progression, - the chairman of the Board of Directors of Ak Bars describes the scheme for disseminating erroneously perceived information.

Against the backdrop of the situation with Tatfondbank and a number of other credit institutions, rumors agitated the clients of Ak Bars Bank. Sorokin called two more cases with an announcement in a pharmacy about the refusal to serve on the Ak Bars card and make a payment from another bank, allegedly due to the “low rating of Ak Bars”, the intrigues of competitors. There was a case with a call in social networks that the Russians should not carry money to national banks.

And then, according to the scenario of Malakhov’s program “Let them talk,” it started. They opened their mouths wider and forward - they don’t listen to anyone. Even now, I think more than half of the comments on my speech will come down to the fact that the bank is lying. Because our Soviet people are used to reading newspapers between the lines,” Sorokin complained.

For his part, the head of Svyazinvestneftekhim advised Ak Bars' clients to "be friends with their heads" and analyze the bank's performance. The lender does not intend to file a complaint about information attacks with the Ministry of Internal Affairs, considering the authors of fakes not specific people, but “a multi-headed hydra.”

Over the past three days, no more than 900 deposits have been closed, almost 3,000 new ones have been opened, and about 14 million rubles of unpaid interest on early withdrawn deposits remained in the bank, Sorokin said. Photo by Daria Turtseva

Ak Bars won and lost from the TFB crisis

It's all about how to measure winnings, explains Sorokin. Since December last year, Ak Bars has had a steady influx of deposits from individuals.

What is called success? If this is a success, then this situation is probably developing successfully. Although we already talked about this in December, we assumed a certain rebound from the situation and prepared for this - what I called - to charge ATMs to capacity. Which, in fact, is happening now, - says the chairman of the board of directors of Ak Bars.

At the same time, there are clients who nevertheless succumbed to panic and took their deposits ahead of schedule. Nevertheless, the influx of new depositors significantly exceeds the outflow. So, over the past three days, no more than 900 deposits were closed, almost 3,000 new ones were opened, and about 14 million rubles of unpaid interest on early withdrawn deposits remained in the bank.

One client comes and says: “And they told me that the bank had 2 days left. In 2 days, if you don’t have time to remove it, then it will be - you yourself know how. Well, how to convince him? Only without paying him a percentage, - Valery Sorokin gives an example.

At the same time, according to him, as of December 1 last year, the total amount of deposits of individuals in the bank was 104.165 million rubles, and as of February 1 of this year - 112.395 million.

Valery Sorokin himself, as an experiment, became a client of 5 banks in order to study how colleagues work. In this peculiar rating, in his opinion, Ak Bars took a solid middle ground.

Valery Sorokin called the situation with the TFB and a number of other Tatarstan banks typical for the entire banking system in Russia and cited as an example the words of the head of the Central Bank of Russia that Russia would need a few more years to “clear the banks”. Photo by Maxim Platonov

"There is no such tap - to drink dry rivers"

Valery Sorokin called the situation with the TFB and a number of other Tatarstan banks typical for the entire banking system in Russia and cited as an example the words of the head of the Central Bank of Russia that Russia would need a few more years to “clear the banks”. When asked how to restore trust in regional banks in Tatarstan, the Ak Bars management answered unequivocally: “Work”.

I do not see any unique opportunities in the local banking community. There is no separate tap with money - to drink dry rivers. The market is competitive, you have to compete with heavyweights. Everyone has to look for some kind of niche, explains Sorokin.

Question: did the National Bank do everything to stop the problem, the interlocutor left unanswered. As well as a request to tell what the government of Tatarstan is doing to reorganize Tatfondbank.

I don't have the mandate to comment on the government's position, don't get me wrong. The only thing I can ask you is to rewind and see from what moment the propaganda began that Tatfondbank is government? - Valery Sorokin answered a question with a question.

In the memory of journalists, such information appeared in the fall. But the head of Svyazinvestneftekhim urged to take into account that the bank had existed for a long time even before that. The propaganda was deliberate, Sorokin hinted:

Obviously, in the mass consciousness of the same depositors, a bank with state participation is more trustworthy than a bank with private participation.

To attract more contributors? the press asked.

I can only speculate, I can't comment on it, - summed up Valery Sorokin.

Vasily Shirshov