Tatfondbank will begin paying creditors. How I returned my deposit in Tatfondbank through the deposit insurance agency (DIA) Insurance payments to tfb depositors will begin three days earlier than planned

Over the course of 5 months, they can return almost 11 billion rubles. Most of this amount will go not to the excess depositors, but to the DIA itself. In total, more than 21 thousand creditors plan to withdraw money from Tatfondbank. Most likely, not everyone will succeed.

The Deposit Insurance Agency (DIA) has announced the date when payments will begin in the Tatfondbank bankruptcy case. The 1st stage will begin on September 29 and will last exactly 5 months, until February 28 next year. At this time, the DIA will pay 1st priority creditors 15.14% of the amount of their claims. There are about 11.65 thousand of the priority creditors themselves, and the TFB’s obligations to them reach 70.98 billion rubles.

Consequently, if at the first stage all creditors apply for payments, then the agency will need to pay them a total of 10.75 billion rubles.

The first to receive money will be the excess depositors who kept more than 1.4 million rubles on deposits and bank accounts - the law classifies them as first-priority creditors. The requirements of the DIA and the Central Bank also have priority.

As you know, the largest creditor of the 1st stage is the DIA. Liabilities to it amount to approximately 50 billion rubles. Consequently, at the first stage the agency can receive about 7.5 billion rubles.

In total, as of September 21, 21.14 thousand citizens and organizations submitted demands to Tatfondbank. More than 3.4 thousand of them have not been included in the register to date. The obligations of the TSE to 11.74 thousand creditors for a total amount of 138.4 billion rubles were legally recognized. In the 2nd stage there are 26 creditors who presented claims to the bank for 267 thousand rubles. There are more than 6 thousand third-line creditors, liabilities to whom amount to 67.47 billion rubles. Another 117 creditors submitted their claims after July 31, when the register was already closed.

Auctions for the sale of TFB property have not been held at this time. Money to depositors, as well as other creditors, will be paid from bank account balances and other funds received.

The DIA completed the inventory of Tatfondbank's property in July. The bankruptcy trustee estimated the book value of the assets that were listed in the bank at the time of the opening of proceedings (April 11, 2017) at 214.8 billion rubles. Moreover, the DIA did not find part of the assets - a shortage of 40.9 billion rubles was identified in the bank. The main part of it - approximately 65% ​​- accounted for settlements under assignment agreements, 20% - for unconfirmed debt on securities. Another 15% of the shortfall was due to unconfirmed claims on loans.

On September 19, the bankruptcy trustee noted that they had found property worth slightly more than 2 million rubles, which had previously been classified as a shortage. These turned out to be shares in TFB-Rentny investment fund", shares of Sovetsky Bank, as well as bonds of RGS Real Estate.

As Yulia Koroleva, a member of the Petersburg Bar Association, reports, the book value of the property says almost nothing: “This is such a relative indicator that it is better not to draw attention to it.” Tatfondbank's real prospects for paying off all its debts will depend on how much its assets are worth.

However, as experience shows, 1st priority creditors, as a rule, receive money in full. Also, the debtor’s assets are usually sufficient to cover the obligations of the 2nd stage (payments for employment contracts). Regarding the 3rd stage, it “is, naturally, not repaid in full,” notes Koroleva.

Information for Tatfondbank depositors, here you will find out where and how you can withdraw your deposit, which bank pays refunds on deposits individuals How to receive payment for individual entrepreneurs. In addition, the page presents full list branches of agent banks with addresses, telephone numbers and operating hours.

The introduction of the temporary administration of the DIA is aimed at obtaining operational control over the activities of the bank. This measure will ensure the protection of the interests of the bank's depositors and creditors.

The provisional administration will conduct an audit of the bank's financial position, based on the results of which proposals for its future activities will be developed.

Updated:

Tatfondbank is accepting applications for payment of compensation on deposits until March 16, 2020, and payments themselves are planned to be made until March 19 of the same year inclusive. The funds of former clients of the republican bank, where the share of the region at the time of bankruptcy exceeded 40%, will be reimbursed through five Russian banks, which act as agent banks of the bankruptcy trustee - the state corporation Deposit Insurance Agency.

Applications from former clients, of whom there are over 18 thousand in the status of creditors alone, are accepted through agent banks - Sberbank, VTB Bank, PJSC Ak Bars Bank, JSC Rosselkhozbank and PJSC Bank FC Otkritie.

Which bank will make payments?

Acceptance of applications for payment of compensation for deposits and other necessary documents, as well as payment of compensation are carried out from December 26, 2016 through PJSC Sberbank, VTB 24 (PJSC), JSC Rosselkhozbank, PJSC Bank FC Otkritie, PJSC AK BARS BANK, acting on behalf of the Agency and at its expense as agent banks.

To receive compensation, the depositor submits to his agent bank only passport(identity document).

Compensation is paid to the investor in the amount 100 percent of the amount of all his deposits(accounts) with a bank, including those opened for business activities, on the date of the insured event, including interest, but in total no more than 1.4 million rubles.

Interest is calculated on the date of the insured event based on the terms of each specific bank deposit (account) agreement.

By bank deposit (account) in foreign currency compensation is calculated in rubles at the Bank of Russia exchange rate as of December 15, 2016.

Depositors of PJSC Tatfondbank can obtain information about the list of divisions of agent banks that pay compensation and their operating hours by calling the following hotline numbers:PJSC Sberbank - 8-800-555-55-50 , PJSC "AK BARS" BANK - 8-800-200-53-03, VTB 24 (PJSC) - 8-800-505-24-24, JSC Rosselkhozbank - 8-800-200-02-90, PJSC Bank "FC Otkritie" - 8-800-700-78-77, Agency - 8-800-200-08-05 (calls to all hotline numbers in Russia are free).

When will compensation be paid?

December 26, 2016payments begin insurance compensation to depositors of PJSC Tatfondbank.

Attention to depositors: each of the agent banks is authorized to pay compensation only to a certain group of depositors. The distribution of depositors of PJSC Tatfondbank among agent banks was made depending on the place of residence of the depositor, as well as the initial letter of his last name. The distribution of depositors of PJSC Tatfondbank was carried out on the basis of information about the address of residence provided by them to the bank when opening a deposit (account).

To determine his agent bank, the depositor can use the table below.

Distribution of depositors of PJSC Tatfondbank among agent banks.

Depositors of PJSC Tatfondbank living in the settlements specified in paragraph 1 of the table below are distributed among agent banks in accordance with first letter of last name.

The agent bank for depositors of Tatfondbank PJSC living in settlements not specified in paragraph 1 of the table above will be Sberbank PJSC (regardless of the initial letter of the depositor's last name).

Having thus determined his agent bank, the depositor can apply for payment of compensation to any of its divisions.

reference Information

Insured (subject to reimbursement through the DIA) are citizens’ funds placed on time deposits and demand deposits, including foreign currency deposits; on current accounts, including those used for bank card payments, to receive salaries, pensions or scholarships; on the accounts of individual entrepreneurs, in a total amount of up to 1 million 400 thousand rubles.

Depositors of PJSC Tatfondbank who live outside the populated areas where divisions of agent banks that pay compensation are located can also send an application for payment of compensation by mail to the Agency at the address: 109240, Moscow, st. Vysotskogo, 4. In this case, payment of compensation will be made by bank transfer by transfer to an account in a bank participating in the system compulsory insurance deposits specified by the depositor in the application for payment of compensation, or in cash by postal transfer at the depositor’s place of residence (except for compensation for deposits (accounts) opened for business activities). The signature on the application sent by mail (if the compensation amount is more than 3,000 rubles) must be notarized. If there is no notary in the locality, the authenticity of the depositor’s signature on the application can be certified by the head of the local administration or a specially authorized official of the local government body. When sent by mail, the application must also be accompanied by a copy of the investor’s identity document.

In the event of disagreements related to the amount of compensation to be paid, or the absence of information about the depositor in the register of obligations of PJSC Tatfondbank, the depositor may submit a statement of disagreement and submit it to the agent bank for transmission to the Agency, or independently send such a statement by mail to the Agency with application additional documents, confirming the validity of the depositor’s requirements: bank deposit (account) agreement, cash receipt order, etc.

Payment of compensation for deposits (accounts) opened for business activities is made only by transferring the amount of compensation to the account specified by the depositor in a bank participating in the compulsory deposit insurance system, opened for business activities. If at the time of payment of compensation an individual entrepreneur is declared insolvent (bankrupt), such payment is made by transferring the amount of compensation to the account of the debtor used during bankruptcy proceedings. In this case, the application for payment of compensation must be accompanied by a certificate (or other document) issued by the bankruptcy trustee or the court that made the decision to declare the depositor bankrupt (if a bankruptcy trustee has not been appointed), stating that the specified account is the debtor’s account (the debtor’s main account) used in the course of bankruptcy proceedings opened against the depositor, or the debtor’s current account opened on his behalf by the bankruptcy trustee, or a court deposit account. If, at the time of payment of compensation, an individual entrepreneur presented a document confirming state registration of the fact of loss of his status individual entrepreneur, then payment of compensation can be made either in cash or by transfer Money to an account in a bank that is a participant in the compulsory deposit insurance system, indicated by the depositor.

In Tatarstan, a special working group has been created to support entrepreneurs who are clients of the TFB. Payments to affected depositors will begin on December 26.

As reported by the Deposit Insurance Agency (DIA), Tatfondbank depositors will not have problems with reimbursement of funds in the amount of 100 percent of the deposit, but not more than 1.4 million rubles guaranteed by the state. On December 26, they will be able to apply for payments to 5 agent banks that were selected on a competitive basis. They were PJSC Sberbank, VTB 24 (PJSC), JSC Rosselkhozbank, PJSC Bank FC Otkritie, PJSC Ak Bars Bank. Information on the distribution of depositors by specific agent banks, the place and timing of accepting applications from depositors to receive compensation is posted on the DIA website (www.asv.org.ru) on December 23. Additional details can be found by calling " hotline» DIA (8-800-200-08-05).

As reported by the Deposit Insurance Agency (DIA), Tatfondbank depositors will have no problems with reimbursement of funds in the amount of 100 percent of the deposit, but not more than 1.4 million rubles guaranteed by the state

What is necessary to receive compensation to the investor

1. Find out on the DIA website at www.asv.org.ru information about the distribution of depositors by specific agent banks, the place and deadlines for accepting applications.
2. Submit your passport to the agent bank, and also fill out an application for payment of compensation in the prescribed form. Application forms can be obtained and filled out at the departments of agent banks that pay refunds on deposits.
3. On December 26, come to the agent bank with your passport and fill out an application. Applications will be accepted during the moratorium (for three months).
4. After writing an application at the agent bank, according to the law, three working days are allowed for payment. You can receive money on the spot in cash or it will be transferred to the recipient's bank account.

What support will be provided to entrepreneurs?

Difficulties may arise for businessmen who hold funds in the TSE and who need to pay salaries to employees, taxes at the end of December and not end up on the list of fines. To support them, a special working group has been created in Tatarstan on behalf of President Rustam Minnikhanov, which will deal with the problems of TFB clients.

On December 22, at a meeting with government representatives, entrepreneurs were promised tax deferments on payments, a loyal attitude from supervisory authorities, microcredit at reduced rates of up to 8–9 percent, and on-lending on preferential terms.

Difficulties may arise for businessmen who hold funds in the TSE and who need to pay salaries to employees, taxes at the end of December and not end up on the list of fines. To support them, a special working group has been created in Tatarstan on behalf of President Rustam Minnikhanov, which will deal with the problems of TFB clients

– Working group will not act separately from entrepreneurs. We will do it jointly, we will look at the problem in a consolidated manner. We have separate category entrepreneurs who now, at the end of December, need to pay salaries, pay taxes and not be included in the penalty lists. That is why there is a special commission on taxes. If the money was paid in a correspondent account, the situation will be considered separately,” RT Minister of Economy Artem Zdunov promised entrepreneurs.

The Government promised to deal with each case individually, to work on weekends and until the last client. To resolve refinancing issues, partner banks Ak Bars and VTB 24 will be involved. It is expected that funds will be provided at an interest rate of up to 11 percent per annum. The total amount of damage to entrepreneurs will be calculated based on the results of all received appeals. The proposed support measures will also apply to entrepreneurs who suffered in other banks of the republic that stopped payments.

Hotline numbers for entrepreneurs