home Magazine Andrey Tarasov: “What is the protection of state interests? This is risk management at the Kremlin level. Philosophical approach Andrey Tarasov

Andrey Tarasov: “What is the protection of state interests? This is risk management at the Kremlin level. Philosophical approach Andrey Tarasov

Interview. The main owner and chairman of the board of Centrocredit Bank Andrey Tarasov (No. 423 in the F. rating of billionaires, his fortune is estimated at 4.5 billion rubles) plans to make money on the bright future of the Russian auto industry.

Andrei Igorevich, according to the results of last year, your bank ranked first in the top 100 in terms of asset growth - more than 330%. Strange indicators, considering what is happening in the market. What is behind them?
- A very simple thing - the need to scale the business due to falling interest rates. If the margin falls, what can be done here? To save absolute value earnings, you need to scale the business. Our capital allows it. We pursued a very conservative policy before the crisis and now we have the opportunity to develop. In previous periods, it would be possible to get by with a smaller scale of business, but by issuing more profitable corporate loans. Because in Last year the level of trust between the bank and clients and the level of transparency of clients were insufficient to speak of a serious increase in the loan portfolio, we were forced to work on a small margin with highly liquid assets, usually with first-class securities. Basically it was the state debt and bonds of Moscow. They took more of them, but with a smaller margin - hence the growth of assets.
That is, the crisis forced to change the profile of the business?
– In fact, yes, although the crisis did not force us to revise the strategic concept. And its basic thesis is the preservation of competitiveness on the basis of large, highly complex credit transactions. Why large? Because this allows the bank to be compact, not to inflate the staff, and remain competitive with respect to state-owned banks and relative to subsidiaries of foreign banks.
Who are your competitors in this area?
– Before the crisis, Merrill Lynch was the largest in this area. We competed with him in M&A transactions, as well as transactions such as restructurings or complex leasing. In addition, we practice complex documentary transactions, the leaders here are probably Sberbank and VTB due to their capitalization. If we talk about documentary transactions, I will mention one very pleasant fact for us: at the beginning of this year, the Federal Customs Service set a limit on our guarantees at the level of 2 billion rubles. This is enough serious amount for our bank. We trade Customs Guarantees and Guarantees Against Advances to Top 10 Construction Corporations. Due to the high level of capitalization of Centrocredit, our guarantees are accepted by the largest issuers of advance payments, such as, for example, the Federal Grid Company or the construction services of the customer Mechel.
And what happened to the complex loan market last year?
– He stagnated absolutely. In 2009, we didn't have a single new deal. We actively reduced costs, for example, we had a 30% reduction in staff. We acted like everyone else. But, in addition, we made good money on the revaluation of securities.
Now we are returning to the market of super-complex transactions, we are recruiting new transactions in the portfolio, we are negotiating every day. We are not afraid to return, because last year, despite the crisis, our loan portfolio performed very well. Unexpectedly good. Fully repaid its debts "Kamaz", "zero" repaid the debts of ZIL. We participated in the process of relocation of ZIL, and we had a credit line for its daughters - to transfer capacities to the province. The guarantee from the Federal Grid Company for 1.5 billion rubles was fully returned. That is, the main "risk domains" in 2009 justified our confidence.
Does the relocation of ZIL also belong to the category of super-complicated credit transactions?
- Undoubtedly! Few people in the country would dare to issue this loan. We made up our minds, looked at the risks, looked at this site, at the participants in the transaction. Before deciding, we studied all the circumstances, and it was really difficult. The relocation is very close in nature to mergers and acquisitions. We have always had a difficult position with respect to Kamaz: we provided loans to Kamaz Metallurgy for factoring with metallurgical enterprises and metal traders. Factoring, like leasing, also belongs to this category - if done wisely, then this is not a very simple transaction. Big deal we have a lease of rolling stock - there was also the purchase of railcars in Ukraine. It's not just about mortgaging a house and getting a mortgage. No, I have nothing against mortgages - just Caesar's is Caesar's, and locksmith's is locksmith's. We are not Caesars, we are locksmiths. We didn’t have a silver spoon in our mouths and, thank God, we won’t. We achieve everything with great difficulty and we think that this is very good. Because if an asset requires labor, if it is complex, if it is such that few people will take it on, this means for us that there is no one to compete with, neither in terms of interest rates, nor in terms of clientele. Another thing is how to guess the future industry leader. After all, when you make a complex loan deal, you are faced with a task on the verge of psychoanalysis: to guess the future industry leader and help someone who has a chance to break through and take a big niche in their business.
And where are you now going to look for future leaders?
“We will support clients in areas that will appear liquid over the next five years. First of all, I would name interregional network companies and the entire field of energy construction. In addition, I would say the auto industry - we already know too much about it to leave there. We are present in the automotive industry in all its forms, for example, I was once a member of the board of directors of Kamaz. Centrocredit provided loans to the largest car dealers for imported cars.
What, our car industry has prospects?
- And where to go? 140 million citizens, a "killed" fleet of cars, bad roads, which lead to accelerated depreciation of vehicles. Again, I can predict that in three years we will see the mass assembly of Chinese cars in Russia of the class of the current Volkswagen. Now we are negotiating with some of the car dealers. You know, strong and smart always shoots at the bottom. And now there are ideas in the car sales market - people are trying to use the “bottom” moment to eat most its market. Here they are ours. We are now calculating them and are actively talking with them.
Do you think that, contrary to the skepticism of many, investments will now go into the energy sector?
- Our state, if it supports anything, is precisely the energy infrastructure. That is, now everything is being sequestered, but in relation to this industry, the authorities have an understanding that it cannot be launched. And plus to everything - the person proposes, and the Lord disposes. The Sayano-Shushenskiye HPPs don't just happen. Everyone in the government understands perfectly, so there is and will be money in energy construction. Another conversation is that among the contractors there are enough boobies - but this is just the problem of bankers - as orderlies of the forest. Finally, as a priority for us, I can name the segment of export commodities, especially in the regions of Siberia and Far East. We are doing a lot with China, we are present at all events related to increasing the share of national currencies in border trade, we are in contact with governors, we are participating in the infrastructure development project, for example, bridges across the Amur. The Chinese will buy our coal, our timber. Of course, I would like them to buy processed products, I would like to build serious enterprises and sell to China not coal, but coke and benzene - but this is a separate issue. Here we must remember that we practically do not have project finance. It is very difficult to raise money for projects.
At some point, your bank was among the most dependent on Central Bank loans. Are you taking too many risks?
– What are the limits set by the Central Bank at unsecured auctions? This is a function of the bank's capital. If the capital allowed us to open these limits, then we opened them. We were denied subordinated loans for unknown reasons, but we have a large, protected capital, this is obvious to the Central Bank, so they opened limits for us. Another conversation is that there are certain speculations as to who used the limits. Meanwhile, an indicator of the activity of using limits is the presence of a Central Bank commissioner in the bank. In 2009, a representative of the regulator was present in our country for only three months. When the money of the Central Bank had something to buy highly liquid, which allowed us to have at least some margin on the interest rate, we did it. But there were a sufficient number of periods when our debt to the Central Bank was equal to zero. High limits are just a manifestation of the traditional recapitalization of Centrocredit. By the way, I am not enthusiastic about the excess of capitalization. Our overcapitalization is to some extent a consequence of the weakness of our client side. Large capital gives us both opportunities and, on the other hand, a signal to develop work with clients.
Your bank is major shareholder MICEX, RTS member. In your opinion, how should the exchange infrastructure develop in Russia? Does the idea of an international financial center in Moscow have any prospects?
- We have a stock market as such in an embryonic state, it is very narrow, with a small number of securities, a low level of capitalization. underdeveloped state participation, including from the point of view of “repairing” papers. Here, we have said a lot that the state will stimulate the development of certain industries through guaranteed redemption of securities. No crisis is a hindrance to this policy, on the contrary, if this policy had been pursued more energetically during a crisis, then there would probably have been fewer problems with liquidity, there would have been fewer local panics when people at the wrong time and inappropriately began to dump generally good securities. What happened to us in the energy sector? The aggravation of the crisis began a quarter after the completion of the reform of RAO UES of Russia. In this regard, I have only non-normative words. But such a misfortune happens! The papers had just been converted, the procedure for reforming had just become clear - and then such a blow to liquidity! At this point, it would be possible to more vigorously help the market through a system of guaranteed loans against energy papers, not to mention buyouts. In general, the exchange structure in Russia should develop extensively. Without volumes, all the words about the international financial center are propaganda. For a financial center to be a financial center, you need tools, you need participants, and you need volumes of liquidity. For each of these three points, long and painstaking work is needed, including at the political level. Unfortunately, the market cannot decide everything here.
Is Russia generally interested in the arrival of foreign issuers who will divert our investments abroad?
– Owners Money, of course, are interested in having a choice. Imagine that you have money, and you are allowed to buy a Zhiguli, but not a Mercedes. You well? It may be good for the manufacturer of Zhiguli, but after all, when tomorrow he goes on sale in London, do you think that he will not be remembered for this? I believe that nothing should be banned. You can lobby, you can create protectionist barriers. Protecting your interests is the subject of risk management. What is public interest protection? This is risk management at the Kremlin level. I believe there are now people trained to deal with these issues. However, even if the slogan of the international financial center is just propaganda, it is still correct. We still need to talk about it, even if it doesn't happen. All the same, everything will not be as planned, it will be different, life will straighten everything out.

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Tarasov Andrey Igorevich

Assets

in the financial sector ( CentroCredit, LLC "River Management").

State

Biography

Education

In 1982 he graduated from the Moscow Aviation Institute. S. Ordzhonikidze majoring in electronic computing machines".

In October 2005 - at the Academy of National Economy under the Government Russian Federation defended his dissertation on the topic: "Development of banking forms and methods of involving the savings of the population in the investment process."

In April 2006 - graduated from the Academy of National Economy under the Government of the Russian Federation - under the MBA program "Banks" and received the qualification "Master of Business Administration".

Academic degree

Candidate of Economic Sciences.

Achievements

In March 2006, by the decision of the Organizing Committee of the annual public competition of the Expert Advisory Council at the Accounts Chamber of the Russian Federation for the title of "The Best Banker of Russia", the honorary title "The Best Banker of Russia - 2005" and a diploma of the 1st degree were awarded.

Career

1982 - 1992 - worked in engineering positions.

1992 - 1993 - senior assistant of the design and construction company "Fais".

1993 – 1994 – CEO CJSC "New Age".

1995 - 1996 - head of the securities department of the bank " Russian loan ".

1996-1998 - Deputy Chairman of the Board of the Bank "AKB"

"Biography"

Member of the Board of Directors since 21.08.1997. Date of re-election: 06/30/2015.

- Moscow Order of Lenin and the Order of the October Revolution Aviation Institute named after S. Ordzhonikidze, 1982, electronic computers;

— Academy of National Economy under the Government of the Russian Federation, 2005, candidate of economic sciences;

"News"

Andrey Tarasov: “What is the protection of state interests? This is risk management at the level of the Kremlin.”

Fraudsters tried to steal 3 billion rubles from the Centrocredit bank account with the Central Bank

Andrey Tarasov, the chairman of the board of the Moscow bank Centrocredit, sent letters to the Central Bank and the Association of Russian Banks (ARB), in which he reported on “an attempt to fraudulently write off 3 billion rubles from the bank’s correspondent account in the territorial administration of the Bank of Russia.” According to Vremya Novostei, this was reported by the ARB. According to Centrocredit, they tried to write off money from the account on the basis of a court order of the justice of the peace Prikubansky administrative district in Krasnodar at the request of Profilstroy LLC. “Centrocredit had no relations with this organization, and even more so did not participate in any litigation,” the bank’s appeal emphasizes.
link: http://www.newsland.ru/news/detail/id/76896/

Centrocredit": focus on investments and the middle class

According to analysts, there is a progress in investment activity in Russia, accompanied by the growth of the sector of investment services provided by Russian banking structures. One of these banks - Moscow-based CentroCredit Bank - positions itself as a universal client bank with an investment focus. Thanks to the growth of assets and capital, CentroCredit has risen from 300th to 40th place in the rating of Russian banks over the past three years. Andrey TARASOV, Chairman of the Board of CentroCredit, told our observer about the elements of the development of a Russian bank during the investment boom.
link: http://bujet.ru/article/20085. php

Pyramid of Centrocredit

Centrocredit Bank was founded in 1989. It belongs to the board of directors of the bank Andrey Tarasov (about 70%) and members of the board of directors Sergey Eremin and Ilya Korbashev (15% each). According to the RBC rating, Centrocredit ranks 57th in terms of net assets(56.5 billion rubles).
link: http://www.rbcdaily.ru/2010/06/23/finance/488747

An unprecedented case of fraud: they tried to write off 3 billion rubles from the accounts of CentroCredit Bank

On Tuesday in Moscow, the Association of Russian Banks hosted a press conference on the problem of fraud, the victims of which are domestic banks. Representatives of the banking community spoke about the most brazen and daring attacks on credit institutions, noting that their number has been increasing recently.

Andrey Tarasov, Chairman of the Board of JSCB CentroCredit, told reporters that two weeks ago the bank fell victim to an unprecedented fraud. The attackers tried to write off the account financial institution in the Central Bank of the Russian Federation 3 billion rubles.
link: http://www.nr2.ru/moskow/136862.html

Bank "CentroCredit" introduces an extended operating day in the additional office "Central"

JSCB "CentroCredit" specializes in brokerage services, is active in the market of interbank loans and deposits. The ultimate owners of the bank are its chairman of the board Andrey Tarasov (controls more than 50% of the shares, including directly 11.96%), a native of the Monolit bank, and today the chairman of the board of directors of CentroCredit Sergey Eremin (more than 10%) and Ilya Korbashov (more than 10%). CentroCredit has no other owners controlling more than 5% of the shares.
link: http://www.banki.ru/news/lenta/?id=3040699

Centrocredit Bank disclosed ultimate owners

More than 50% shares credit institution belongs to the chairman of the board Andrey Tarasov, over 10% stakes are owned by the chairman of the board of directors Sergey Eremin and a member of the board Ilya Korbashov. There are no other co-owners with a share above 5%.
link: