"Tavrichesky" bank: feedback from depositors

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Recently, news channels and print media are increasingly informing the population 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 are being made by its management in order to improve the situation, what are the forecasts of specialists for the near future and, finally, what do the bank's customers think about this - this article will help you figure it out.

Bank Tauride: general information

Commercial bank "Tavrichesky" (JSC) was established at the beginning of `1993, in April. The institution owes its discovery to nine enterprises and organizations, the vast majority of which specialized in the production and sale of high-tech products. Currently, the owners, in whose hands are more than 5% of the shares, are:Zakharzhevsky O. Yu., who holds the position of Chairman of the Board of Directors, Kuznetsov I. V. - one of the members of the Board of Directors, Somov S. A., who heads the Board, as well as the well-known SPAREBANK 1 NORD-NORGE, West-Invest and SPIK.

From the moment it appeared on the market, Tavrichesky Bank has been continuously developing, expanding not only the list of services offered to its customers, but also opening more and more new branches in various cities and regions of Russia. Today, in addition to the main office, located, as you know, in St. Pechora, Arkhangelsk, Cherepovets, Kingisepp, Ukhta, Emva.

In the "Tavrichesky" bank, as well as in its branches, you can get a loan, bank cards, pay bills, transfer money to anywhere in the world, exchange currency. The clients of this financial 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 profit recovery.
2. Strengthen the financial position of shareholders and increase the efficiency of their economic activities.
3. To contribute to the solution of problems that had to be solved by specialized enterprises, owners or mainwhose shareholders were the persons who founded the Tavrichesky Bank.
4. To provide services to the population and legal entities of a fundamentally new level, corresponding to the time and meeting the ever-growing needs of modern customers.

A trip to history

In the early `90s, business began to develop rapidly in all large and small cities of Russia. Petersburg is no exception. Bank "Tavrichesky", established in the cultural capital, from the first days of its opening, emphasized that its primary task was to provide customers with a full range of banking services. At the same time, it was emphasized that the relationship between a 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 into its work, 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 meet even the highest requirements. In addition to the professionalism of its employees, Taurida Bank guarantees complete confidentiality and reliability to everyone who applies.

In 1999, the bank became a member of the well-known and very popular worldwide payment system Visa International and, of course, MasterCard. At present, despite all the problems that Tavrichesky faces, its management is doing everything possible not to lose the trust that has been honestly earned for more than 20 years, andcontinue to live up to even the wildest expectations of regular customers.

What banking services can individuals use?

"Tavrichesky" bank - license No. 2304 - offers individuals the widest possible range of services that absolutely every capable person can use. Thus, everyone is given the opportunity to get a loan, including a mortgage, open any type of deposit - ruble or foreign currency - with the possibility of replenishment and monthly payments, upon request, receive a bank card, with which its owner will be able to quickly and without any hassle various non-cash payments (pay for utilities, purchases in traditional and online stores, transfer funds from your account to the accounts of other individuals or organizations, receive wages). In addition, Petersburgers have a unique opportunity to store documents that are especially important for them, precious things and in general everything that their heart desires, by 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 the high level of service and professionalism of employees. All necessary documents are processed as soon as possible and without unnecessary bureaucratic delays.

Offers of Tavrichesky Bank on deposits for 2015

Despite the difficult economic situation in which Russia found itself because ofdue to the sanctions imposed against it by European countries and the United States, deposit rates did not decrease in 2015. Bank "Tavrichesky" offers everyone to open one of the following four types of deposits in any of its structural divisions:

1. Cumulative (with monthly payment of interest on the deposit) - with a minimum deposit of 100,000 rubles, for a period of up to 370 days, with the possibility of replenishment and a rate of up to 10.75% per annum.
2. Cumulative (with payment at the end of the deposit term) - rubles are accepted (the minimum initial contribution is 10,000 rubles), US dollars ($ 1,000), and euros (at least 1,000 €). Deposit term - 91 days, with the possibility of replenishment.
3. Fixed-term (with monthly payment of interest on the deposit) - with a minimum contribution of 30,000 rubles. (12.8% per annum) or 1000 $ (3% per annum) or 1000 euros (also 3% per annum). Deposit term – 91 days.
4. Term (with payment after the expiration of the deposit) - with a minimum deposit amount in rubles - 30,000 (13.8% per annum), in US dollars - 1000 (3.5% per annum), in euros - 1000 (3, 5% per annum). Deposit term – 91 days.

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

What can Tavrichesky Bank offer to legal entities?

Everyonea self-respecting entrepreneur prefers to do business with a proven financial institution that is trustworthy and has a good reputation. This is, among other things, the Tauride Bank. Individual deposits are far from all that it can offer its clients. The bank also takes care of the interests of small, medium and large businesses. Thus, Tauride provides legal entities with the opportunity to use the following types of services:

1. Settlement and cash services (CSO) - a service that provides for opening bank accounts through which customers can make cashless payments, conversion and documentary transactions, draw up check books, remotely manage personal accounts, etc.
2. Operations involving the issue, sale, redemption, exchange, pledge of bills. Recall that a promissory note is a security issued on forms on which special protection is applied when issued at a printing house. To the holder of the bill, the bank undertakes to pay the bill amount, including the discount, after the expiration of the period indicated on the security.
3. Issuance of corporate and salary cards, with which you can pay for purchases both in the Russian Federation and abroad, manage travel and business expenses, receive wages, etc.
4. Acquiring offered to businesses specializing in trading or providing various types of services to the public.
5. Currency control - a service related to the conduct of economic external activities of an enterprise or organization, as well asconducting currency transactions and processing complex financial transactions that require the advice of highly qualified specialists.
6. Brokerage services - opening and, accordingly, maintaining a brokerage account.
7. Depository services - opening and maintaining a depo account.

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

What does the bank's development strategy envisage?

Special attention should be paid to the development strategy followed by 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 tasks such as:

• raising the technical level of all systems of the bank;
• Introduction and development of advanced forms of service;
• Improving the "Internet banking" service;
• opening of new structural divisions;
• improving the efficiency of existing branches;
• improving the technical equipment of bank employees' workplaces;
• raising capital by issuing shares.

The development strategy, despite all the problems that exist today, remains a guide to whichBank "Tavrichesky" strictly follows. Bankruptcy, which has been talked about so much lately, is very exaggerated. At least, this is what the main shareholders of the financial institution say, and the bank's regular customers support this position and are in no hurry to change the partner with whom they have been fruitfully cooperating for many years.

Bank "Tavrichesky": bankruptcy or reorganization?

2014, caused by a series of economic sanctions against Russia, has become a real test for the country as a whole. Most of the population of the Russian Federation faced financial difficulties. The problems that affected the entire Russian banking sector did not leave Tauride Bank aside either. Reviews with a negative connotation about his activities began to spread with great speed. In January of this year, information was leaked to the press that the capitalization of a financial institution had reached a critical level, which amounted to 10.7% with 10% allowed. The management of Tavrichesky is trying to change the situation for the better by lending and additional issue of shares. However, experts are skeptical about these attempts, and their forecasts are still disappointing. More recently, the question of what awaits the Tavrichesky bank was widely discussed - the revocation of the license or, after all, reorganization. Opinions, as usual in such cases, were divided. Those who argued that there would be no bankruptcy turned out to be right. This became known on March 13 this year, when the Bank of Russia approved the InternationalFinancial Club" (JSC AKB) as an investor who will have to exercise control over the activities of "Tavrichesky", with the aim of its financial recovery. As a result of these actions, as expected, the bank will be able to fully restore the effective service to its customers and, as before, make settlements and other payments on time.

Tavrichesky Bank: customer reviews

Just a month ago, bank customers were terrified of losing all their savings. Many believed that they could not avoid the closure of the Tavrichesky Bank (St. Petersburg). The problems that he had to face seemed to inevitably lead him to the revocation of the license and, accordingly, the closure. Naturally, in such conditions, customer reviews of the bank's activities were not the best. However, in connection with the latest events - the decision to reorganize - the situation has changed radically, and people have hope that the "Tavrichesky" "rehabilitates" and will continue to please the high level of service and professionalism of its employees, while guaranteeing reliability and complete safety Finance.

Employee feedback on the activities of Tavrichesky Bank

The management of Tauride has always taken a very responsible approach to the selection of its employees. The bank employs highly professional specialists who perform their duties with high quality and are able to find a solution to even the most complex problem. In turn, the leadership of the financial and creditThe institution appreciates each of its employees and makes every effort to create working conditions for the team in which they will feel as comfortable as possible. This fact is also confirmed by the bank's specialists, who are so proud that they were lucky enough to work at Tavrichesky that they did not think about changing jobs even in difficult times for the bank.