Tavrichesky Bank: Reviews of Investors

Recently, news channels and print media are increasingly informing the public about the serious problems faced by the St. Petersburg Bank, known to citizens and businesses, as Tavrichesky. What are the difficulties of this financial and credit institution, what efforts does his management take to improve the situation, what are the forecasts of specialists for the near future and, finally, what do the bank's customers think about it, this article will help to understand.

Bank "Tavrichesky": general information

Commercial Bank Tavrichesky (OJSC) was established at the beginning of 1993, in April. By its opening, the institution is obliged to nine enterprises and organizations, the vast majority of which specialized in the production and sale of products in the field of high technology. Currently, the owners holding more than 5% of the shares are: O. Yu. Zakharzhevsky, Chairman of the Board of Directors, IV Kuznetsov - one of the members of the Board of Directors, Somov SA, who heads the Management Board, and Also known "SPAREBANK 1 NORD-NORGE ", "West-Invest" and "SPIK".

Since the advent of the market, Tavrichesky Bank has been continuously developing, expanding not only the list of services offered to its customers, but also opening up new and new divisions in various cities and regions of Russia. To date, in addition to the main office, located, as is known, in St. Petersburg, it has 57 structural divisions, among which the most successful activity can boast: the bank "Tavrichesky" (Sosnovy Bor), as well as branches located in Moscow, cities Pechora, Arkhangelsk, Cherepovets, Kingisepp, Ukhta, Emva.

In the Tavrichesky Bank, as well as in its branches, it is possible to issue a loan, bank cards, pay bills, transfer money to anywhere in the world, and exchange currency. Clients of this financial and credit institution are almost 250 thousand individuals and approximately 40 thousand companies.

For what purpose was the Tauride Bank created?

Opening the bank, its founders set themselves the following main goals:

1. The primary goal of any business is the cure of profit.
2. To strengthen the shareholders' financial position and increase the efficiency of their economic activities.
3. To contribute to the solution of tasks that needed to be solved by the profile enterprises, the owners or main shareholders of which were the persons who established the bank "Tavrichesky".
4. To provide the population and legal entities with services of a fundamentally new level, corresponding to the time and meeting the ever-growing needs of modern customers.

Excursion to the history

In the beginning of the '90s business began to develop rapidly in all large and small cities of Russia. St. Petersburg is no exception. Bank Tavrichesky, established in the cultural capital, from the first days of its opening, emphasized that its primary task is to provide customers with the full range of banking services. At the same time, it was stressed that the relationship between the financial institution and its clients is based on partnership, cooperation and respect.

Throughout the entire period of its activity, the bank constantly introduced advanced technologies, used the latest scientific and technical achievements, modernized the information base, which allowed it to find an individual approach to each client and find ways to satisfy even the highest requirements. In addition to the professionalism of its employees, the Tavrichesky Bank guarantees to everyone who applies full confidentiality and reliability.

In 1999, the bank became a member of the famous and widely used worldwide payment system Visa International and, of course, MasterCard. Currently, despite all the problems that Tavrichesky is facing, its management is doing its best to not lose trust, honestly deserved for more than 20 years, and continue to justify even the wildest expectations of loyal customers.

What services can a bank use individuals?

"Tavrichesky" bank - license No. 2304 - offers individuals the widest possible range of services that absolutely every able-bodied person can use. Thus, all interested persons are given the opportunity to apply for a loan, including a mortgage, to open any kind of deposit - ruble or foreign currency - with the possibility of replenishment and monthly payments, upon application, to receive a bank card, through which its owner, promptly and without further hassle, will be able to Various non-cash payments (pay for utilities, purchases in traditional and online stores, transfer money from your account to the accounts of other individuals or organizations, earn money Th fee). In addition, Petersburgers have a unique opportunity to store documents that are especially important for them, precious things and in general everything that they want, renting specially equipped safe boxes. Even this service has been provided to its clients by Tavrichesky Bank (St. Petersburg) for more than 10 years. Problems in case of occurrence are solved instantly due to high level of service and professionalism of employees. All necessary documents are issued as soon as possible and without unnecessary bureaucratic delays.

Proposals of Tavrichesky Bank on deposits for the year 2012

Despite the difficult economic situation in which Russia found itself because of the sanctions imposed on it by European countries and the United States, the deposit rates did not decrease by 2015. Bank "Tavricheskiy" offers to all comers to open one of the following four types of deposits in any of their structural subdivisions:

1. Accumulative (with a monthly payment of interest on the deposit) - with a minimum deposit amount of 100,000 rubles, up to 370 days, with the possibility of replenishment and a rate that reaches 10.75% per annum.
2. Accumulative (with payment after the expiry of the term of the deposit) - rubles are accepted (the minimum down payment is 10,000 rubles), US dollars ($ 1000), and euros (not less than 1000 €). The deposit term is 91 days, with the possibility of replenishment.
3. Urgent (with a monthly payment of interest on the deposit) - with a minimum contribution of 30,000 rubles. (12.8% per annum) or $ 1,000 (3% per annum) or 1,000 euros (also 3% per annum). The deposit term is 91 days.
4. Urgent (with payment after the expiry of the deposit term) - with a minimum amount of the contribution in rubles - 30,000 (13.8% per annum), in US dollars - 1000 (3.5% per annum), in Euros - 1000 (3.5% per annum) . The deposit term is 91 days.

Also, individual entrepreneurs and organizations can apply for information on the terms and conditions that Tavrichesky Bank offers them on deposits. Deposits of legal entities are stored in rubles, US dollars and euros, and interest rates depend on the amount of the initial deposit and the duration of the deposit (usually from 3 to 12 months).

What can the "Taurian" bank offer to legal entities?

Every self-respecting entrepreneur prefers to deal with a trusted financial institution that is trustworthy and enjoys a good reputation. This is, among other things, the Tavrichesky Bank. Deposits of individuals - far from everything that he can offer his clients. The bank also takes care of the interests of small, medium, and large businesses. Thus, for legal entities "Taurian" provides the opportunity to use the following types of services:

1. Settlement and Cash Services (CSC) is a service that provides for the opening of accounts in the bank through which customers can carry out non-cash transactions, conversion and documentary transactions, register check books, remotely manage personal accounts, etc.
2. Operations involving the release, sale, redemption, exchange, pledge of bills. We will remind that the bill is a security issued on forms, on which special protection is applied in the printing house. To the holder of the bill, the bank undertakes to pay the bill amount, including the discount, at the expiration of the period indicated on the security.
3. Registration of corporate and salary cards with which you can pay for purchases both on the territory of the Russian Federation and abroad, manage business trips and business expenses, receive wages, etc.
4. Acquiring offered to enterprises specializing in trade or providing various kinds of services to the public.
5. Currency control is a service related to the conduct of the economic external activities of an enterprise or organization, as well as the conduct of currency transactions and the preparation of complex financial transactions requiring the advice of specialists of the highest qualification.
6. Brokerage services - opening and, accordingly, maintaining a brokerage account.
7. Depository services - opening of a depo account and its management.

All these services can be used by collecting the necessary package of documents and applying with the appropriate application to the "Tavrichesky" bank. Customer feedback on the level of service and the quality of the work performed by specialists are mostly positive. The Bank guarantees assistance and prompt resolution of any, even the most complicated problems.

What does the bank's development strategy envisage?

Particular attention should be paid to the development strategy pursued by the Tavrichesky Bank. Reviews of experts about it - above all praise. In order not to be unfounded, it should be noted that the management plans for the near future include such tasks as:

• Raising the technical level of all bank systems;
• Introduction and development of advanced forms of service;
• Improvement of the "Internet banking" service;
• Opening of new structural divisions;
• Increase of efficiency of activity of already existing branches;
• Improvement of technical equipment of workplaces of bank employees;
• Increase in capital by issuing shares.

The development strategy, despite all existing problems today, remains the leadership strictly followed by the Tavrichesky bank. Bankruptcy, which has been talked about so much lately, is very exaggerated. At least, so say the main shareholders of the financial institution, and the bank's regular customers support this position and do not hurry to change the partner with whom they have fruitfully cooperated for many years.

Bank Tavrichesky: bankruptcy or sanation?

2014, caused by a series of economic sanctions against Russia, has become a real test for the country as a whole. The most part of the population of the Russian Federation has faced financial difficulties. The problems that have affected the entire Russian banking sector have not been left aside by the Tavrichesky Bank. Comments with a negative connotation about his activities began to spread with great speed. In January this year, the press leaked information that the capitalization of the financial institution reached a critical level, which amounted to 10.7% with 10% of the allowable. The management of Tauride tries to improve the situation for the better by lending and additional issue of shares. However, experts are skeptical of these attempts, and their forecasts are still disappointing. Until recently, the question of what the bank "Tavrichesky" expects - a revocation of a license or still a sanation - has been widely discussed. Opinions, as usual in such cases, were divided. Those who asserted that there was no bankruptcy turned out to be right. This became known on March 13 this year, when the Bank of Russia approved the "International Financial Club" (AKB) as an investor, which is to exercise control over the activities of Tauride, with a view to its financial recovery. As a result of these actions, it is expected that the bank will be able to fully restore the efficient servicing of its customers and, as before, timely make settlements and other payments.

Tavrichesky Bank: customer reviews

Just a month ago , the bank's customers were afraid to lose all their savings. Many believed that it would not be possible to avoid closing the Tavrichesky Bank (St. Petersburg). The problems he had to face seemed to inevitably lead him to revoke the license and, accordingly, the closure. Naturally, in such conditions, customer feedback on the bank's activities were not the best. However, in connection with the recent events - the adoption of a decision on sanitation - the situation radically changed, and people had a hope that Tavrichesky is "rehabilitated" and will continue to enjoy the high level of service and professionalism of its employees, while ensuring reliability and complete safety Finance.

Employees' comments on the activities of Tavrichesky Bank

The management of Tavrichesky always took a very responsible approach to the selection of its employees. The bank employs highly qualified specialists, who perform their duties qualitatively and are able to find a solution to even the most difficult problem. In turn, the management of the financial and credit institution appreciates each of its employees and makes every effort to create the team such working conditions, under which it will feel most comfortable. This fact is confirmed also by the specialists of the bank, who are so proud of the fact that they were lucky enough to work in Tavricheskiy, that they did not think about changing their place of work even in not very easy times for the bank.