Joint Stock Commercial Bank Ak Bars OJSC is the largest universal bank with state participation. Ak Bars occupies a leading position in the market banking services Republic of Tatarstan. The enterprise is engaged in lending and settlement and cash services for corporate clients, including enterprises owned by the state, performs operations with securities and attracts deposits from the population.

Historical background of the Bank "Ak Bars", the activities of the bank

Year of birth of the Bank "Ak Bars" - 1993.

Since 1997 Ak Bars has the status of an authorized body for the storage of the gold reserve of Tatarstan, designed to guarantee investments in the economy of the republic.

Since 2002 "Ak Bars" became an open joint stock company, and already in November 2004 the bank was included in the deposit healthcare system.

The shareholders of the bank are 12 organizations and 18 individuals.

The main beneficiaries of the credit institution:

• Government of the Republic of Tatarstan 34.45%.
• Nikolay Karpenko (13.60%).
• OAO Tatneft (11.61%).
• Alexey Plugar (3.40%),.
• Rail Khusnullin.
• Rustem Galiakberov.
• Rustem Likhachev (3.84% each).

Banking group of Ak Bars bank:

• LLC "Ak Bars Ipoteka"
• CJSC CB Naratbank (Saratov).

Also, the financial and industrial group includes 15 different companies, including agricultural, manufacturing, processing, construction and trade structures, as well as a financial block.

Ak Bars in numbers:

• 44 branches.
• 13 operating offices and 227 additional offices (of which 136 are located in the Republic of Tatarstan).
• 110 operating cash desks and one mobile point cash transactions.
• Over 700 thousand plastic cards issued by the bank are in circulation.
• 900 ATMs.
• Servicing more than 2.9 million individuals and over 54 thousand corporate clients, including the largest exporters of the Republic of Tatarstan.
• The average number of employees is more than 6200 people.
• funds of enterprises and organizations - liabilities 42%.
• Household deposits - 12%.
• Own bonds and bills - 16%.
• Attracted interbank loans - 7%.
• 12.5% ​​net liabilities.
• Loan portfolio 62% of net assets (75% are loans issued legal entities, the rest is retail).

The following services are available for legal entities:

• Lending bank guarantees.
• RKO.
• payroll projects.
• Acquiring.
• Internet bank.
• Salary overdraft.
• Financing of investment projects.
• And investments in the construction of commercial facilities, etc.

Bank "Ak Bars" offers individuals:

• Lending (car loans, consumer loans, mortgages).
• Money transfers without opening an account (Contact, Western Union, UNIStream and Zolotaya Korona).
• Operations with securities in the stock market.
• Bank cards of international payment systems MasterCard, WorldWide and Visa International.
• Individual safe boxes, making payments.
• Operations with precious metals.
• remote banking, custody services and etc.

In total, the institution provides about 100 types of banking services .

"AK Bars" is the leader of the banking system of Tatarstan , its capital is a quarter of the total capital banking organizations Volga region, as well as half of the capital of the banking system of Tatarstan. In the rating, Ak Bars is consistently in the top 20 in terms of assets.

Board of Directors: Valery Sorokin (chairman), Igor Avanesyan, Sergey Alekseev, Farida Volkova, Alexander Lavrentiev, Yuri Levin, Robert Minnegaliev, Evgeny Tikhturov, Artur Khairullin, Midkhat Shagiakhmetov, Sergey Shibaev.

Governing body: Robert Minnegaliev (Chairman), Zufar Garayev, Marat Shagitov, Radik Salyakhutdinov, Ilfan Gubaidullin, Bulat Davletshin, Airat Bayazitov, Gulnara Sattarova.

Financial products of Ak Bars Bank

Deposits of Ak Bars Bank

Ak Bars offers favorable rates in rubles and foreign currency deposits individuals. Ak Bars Bank deposits can be opened at all branches or you can send an application online.

• Ak Bars - High result (rubles 9.63%, US dollars 2.94%, euros 2.85%).
• Ak Bars - Good traditions (rubles 10.25%, US dollars 3.25%, euros 3.25%).
• Ak Bars - Internet deposit (rubles 9.25%, US dollars 2.85%, euros 2.85%).
• Ak Bars - Multicurrency (rubles 9.25%, US dollars 2.75%, euros 2.6%).
• Ak Bars - Pension (rubles 10.25%, US dollars 3%, euros 3%).
• Ak Bars - Person (rubles 9.75%, US dollars 3.25%, euros 3.2%).
• Ak Bars - We grow together (rubles 8.5%).
• Ak Bars - Do good (rubles 10.25%).
• Ak Bars - Universal (rubles 9.25%).
• Ak Bars Shire circle! (rubles 10.45%).

Consumer loans of Ak Bars Bank

Ak Bars gives you the opportunity to take . You can apply online or visit a bank branch.

• Preferential without insurance (without security): rubles 19.9%, US dollars 15.9%, euros 15.9%.
• Preferential without insurance (secured): rubles 17.9%, US dollars 13.9%, euros 13.9%.
• Preferential with insurance (without security): rubles 17.9%, US dollars 13.9%, euros 13.9%.
• Preferential with insurance (secured): rubles 15.9%, US dollars 11.9%, euros 11.9%.
• For personal subsidiary farming (with collateral): rubles 14%.
• For personal subsidiary farming (without security): rubles 14%
• Secured by real estate: rubles 15.5%, US dollars 11.5%, euros 11.5%.
• Consumer without personal insurance (without security): rubles 18.9%, US dollars 14.9%, euros 14.9%.
• Consumer without personal insurance (secured): rubles 17.9%, US dollars 13.9%, euros 13.9%.
• Consumer with insurance (without security): rubles 18.9%, US dollars 14.9%, euros 14.9%.
• Consumer with insurance (secured): rubles 16.9%, US dollars 12.9%, euros 12.9%.
• Successful without personal insurance (secured by real estate): rubles 18.5%, US dollars 16.5%, euros 16.5%.
• Successful without personal insurance (on bail Vehicle and equipment): rubles 18.5%, US dollars 16.5%, euros 16.5%.
• Successful without personal insurance (with two guarantors): rubles 18.5%, US dollars 16.5%, euros 16.5%.
• Successful without personal insurance (with one guarantor): rubles 18.5%, US dollars 16.5%, euros 16.5%.
• Successful with personal insurance(secured): rubles from 14.5%, US dollars from 12.5%, euros from 12.5%.
• Successful with personal insurance (with two guarantors): rubles from 14.5%, US dollars from 12.5%, euros from 12.5%.
• Successful with personal insurance (with one guarantor): rubles from 14.5%, US dollars from 12.5%, euros from 12.5%.

Car loans of Ak Bars Bank

Ak Bars Bank offers car loans for individuals under special programs on favorable terms without down payment with a low interest rate.

• AvtoHIT (rubles 13.5%).
• Ak Bars - Maximum (rubles 14.9%, US dollars 12.9%, euros 12.9%).
• Ak Bars - Maximum without CASCO (rubles 17.9%, US dollars 15.9%, euros 15.9%).
• Ak Bars - Maximum for a used car (rubles 16.9%, US dollars 14.9%, euros 14.9%).
• Ak Bars - Maximum for a used car without CASCO (rubles -19.9%, US dollars 17.9%, euros 17.9%).
• Ak Bars - Profi (rubles 18.9%, US dollars 16.9%, euros 16.9%).
• Ak Bars - Profi for a used car (rubles 20.9%, US dollars 18.9%, euros 18.9%).
• Preferential (for civil servants and workers public sector): rubles 14.5%, US dollars 12.5%, euros 12.5%).
• Preferential for a used car (for civil servants and public sector employees): rubles 16.5%, US dollars 14.5%, euros 14.5%.

Mortgage Bank "Ak Bars"

Bank "Ak Bars" makes it possible to take mortgage on favorable conditions no down payment.

• Ak Bars - Business (rubles 15.9%).
• AK Bars - military mortgage(rubles 9.5%).
• Ak Bars - Comfort (rubles 13.5%).
• Ak Bars - Maternity capital (rubles 16.5%).
• Ak Bars - Megapolis (rubles 13.5%).
• Ak Bars - Prospect (rubles 13.5%).
• Provision of housing for young families in the Republic of Tajikistan (rubles 12.9%).
• Perspective plus (rubles 13.5%).
• Simply brilliant! (rubles 13%).

Loans for business of Ak Bars Bank

For the development and opening of small or medium-sized businesses Bank "Ak Bars" offers loans with favorable conditions.

• Ak Bars - Auto business (rubles 16.25%).
• Ak Bars - Auction (rubles 15.5%).
• Ak Bars - Unsecured (rubles 19.5%).
• Ak Bars - Agriculture (rubles 15.75%).
• Ak Bars - Real estate (rubles 16.75%).
• Ak Bars - Negotiable (rubles 16%).
• Ak Bars - Negotiable - overdraft (rubles 15.5%).
• Ak Bars - Development (rubles 16.25%).
• Ak Bars - Express (rubles 18%).
• FIM Target (rubles up to 13.25%).
• Ak Bars-Status (rubles 14.9%).

Credit cards of Ak Bars Bank

Ak Bars Bank draws up credit cards with different interest rates. You can apply online or visit a bank branch.

Credit card for fans (MasterCard Unembossed):Russian ruble 18,9%.

• rate from 18.9% to 21.9%.
• grace period up to 56 days.
• fee for the 1st year of service - not charged.
• bonus program.
• chip cards available.

Optimal(Visa Electron, Visa Unembossed Non-Personalized, MasterCard Cirrus/Maestro, MasterCard Unembossed Non-Personalized, MasterCard Unembossed): Russian ruble 23.9%.

• rate from 23.9% to 26.9%.
• credit limit up to 500,000 rubles.
• grace period up to 56 days.
• issuance fee is not charged.
• fee for the 1st year of service - 500 rubles.
• bonus program.
• chip cards available.

Optimal Russian ruble 23.9%.

• rate from 23.9% to 26.9%.
• credit limit up to 500,000 rubles.
• grace period up to 56 days.
• issuance fee is not charged.
• chip cards available.

Optimal Gold (Visa Gold, MasterCard Gold): Russian ruble 23.9%.

• rate from 23.9% to 26.9%.
• credit limit up to 500,000 rubles.
• grace period up to 56 days.
• issuance fee is not charged.
• fee for the 1st year of service - 2,500 rubles.
• bonus program.
• chip cards available.

Simplesolution(Visa Electron, Visa Unembossed Non-Personalized, MasterCard Cirrus/Maestro, MasterCard Unembossed Non-Personalized, MasterCard Unembossed): Russian ruble 30.9%.

SimplesolutionClassic (Visa Classic, MasterCard Standard): Russian ruble 30.9%.

• the rate is 30.9%.
• grace period up to 56 days.
• issuance fee is not charged.
• fee for the 1st year of service - 750 rubles.
• chip cards available.

Simple Gold Solution (Visa Gold, MasterCard Gold): Russian ruble 30.9%.

• the rate is 30.9%.
• credit limit up to 100,000 rubles.
• grace period up to 56 days.
• issuance fee is not charged.
• fee for the 1st year of service - 2,500 rubles.
• bonus program.
• chip cards available.
  

reference Information about Ak Bars Bank

• JSC "Joint-Stock Commercial Bank "Ak Bars" has a license No. 2590(information on the website of the Central Bank of the Russian Federation)
• Supervisor Minnegaliev Robert Khamitovich
• Address 420066, Kazan, st. Dekabristov, 1
• Reference phone number of Ak Bars Bank 8 800-200-53-03 (toll-free within Russia)
• Official website of Ak Bars Bank www.akbars.ru

Since November 9, Zufar Garayev has been the Chairman of the Board of Ak Bars Bank. According to the credit institution, "in accordance with the decision of the board of directors, Garayev Zufar Fanilovich assumed the position of chairman of the board." This decision was approved by the regional division of the Central Bank.

Recall that for the past two weeks Garayev has been running the bank in the status of acting chairman of the board, after the former chairman Robert Minnegaliev was appointed to the post of assistant to the president of Tatarstan.

Prior to his appointment as chairman of the board, Garayev held the post of first deputy chairman of the board at Ak Bars, where he has been working since 2003.

Zufar Garayev was born in 1972. He received a higher legal education at Kazan State University, later studied at the International Academy of Marketing and Management with a degree in finance and credit (Master of Economics).

He began his career in 1992 as a legal adviser of the Republican Center for Emergency medical care. Subsequently, he worked as deputy head of the foreign exchange operations and international settlements department of the Kazan branch of Mezhkombank (at the moment this credit institution is no longer operating). Prior to joining Ak Bars, he held senior positions at the Kama Commercial Bank for more than five years.

Garaev has the honorary titles of Honored Economist of the Republic of Tatarstan and Honored Economist of the Russian Federation.

According to the new chairman of the board, today Ak Bars "has all the necessary resources to successfully withstand the challenges facing the banking sector and the economy as a whole." “The Bank will continue measures to implement the development strategy: improving the quality of customer service, developing remote service channels, optimizing business processes and increasing the efficiency of the entire bank. Taken together, all these measures will ensure the strengthening of the financial and economic situation"Ak Bars", - emphasizes Garaev.

AK Bars

PJSC "Ak Bars" Bank is a large universal bank with state participation, which occupies a leading position in the banking services market of the Republic of Tatarstan. The main activities are lending and settlement cash service corporate clients, including enterprises owned by the state, as well as operations with securities and attraction of public funds in deposits.

As of January 1, 2019, the Republic of Tatarstan, represented by the Ministry of Land and Property Relations and the State Housing Fund under the President of the Republic of Tatarstan, controlled a total of about 88.37% of the bank's shares (including through JSC Svyazinvestneftekhim and PJSC Tatneft). The remaining shares belonged to Nikolay Karpenko (6.41%), Alexey Plugar (3.60%), Nizhnekamskneftekhim PJSC (1.46%, among the shareholders of TAIF JSC) and minority shareholders (0.16%)

According to Banki.ru, as of February 1, 2020, the bank's net assets are 616.51 billion rubles (17th place in Russia), capital (calculated in accordance with the requirements of the Central Bank of the Russian Federation) - 78.43 billion, loan portfolio- 206.05 billion, liabilities to the population - 120.12 billion.

Zufar Garayev - Chairman of the Board, Member of the Board of Directors, Member of the Strategy Committee of the Board of Directors of PJSC "Ak Bars" Bank.

Education

First state diploma higher education majoring in jurisprudence, qualified as a lawyer in 1994 after graduating from Kazan State University. V. I. Ulyanov-Lenin.

In 1996, he graduated from the Master's program in Finance and Credit at the International Academy of Marketing and Management (MAMARMEN) with a Master's Degree in Economics.

Labor activity

He began his professional career in 1992 at the Republican Center for Emergency Assistance in Kazan as a legal adviser. Then he worked as Deputy Head of the Department of Foreign Exchange Operations and International Settlements of the Kazan branch of OAO Mezhkombank.

From 1997 to 2003, he worked in the Kazan branch of Kamsky Commercial Bank LLC, first as a branch manager, then, since 2001, as deputy chairman of the board - manager of the Kazan branch of Kamsky Commercial Bank LLC.

In 2003, he was invited to the position of First Deputy Chairman of the Board of JSCB Ak Bars. In October 2015, he took over as O. chairman of the board, and since November (to the present) is the chairman of the board of the bank.

Awards and titles

He has honorary titles "Honored Economist Russian Federation”, “Honored Economist of the Republic of Tatarstan”.

He was awarded medals "In memory of the 1000th anniversary of Kazan" and "For Valiant Labor". Has a letter of thanks from the President of the Republic of Tatarstan.

Introduction

Industrial practice is an organic part of the educational process. It is necessary to consolidate the theoretical knowledge gained in the study of subjects, to acquire practical knowledge, experience and work skills.

The purpose of the production practice is:

• - on the basis of the theoretical knowledge and practical skills acquired in the process of training, to study the process of organizing financial and economic work;
• - acquire practical knowledge and acquire practical skills in the field of organization financial work in organizations.

The objectives of the practice are:

• - acquaintance with the organizational and managerial structure of the organization, studying the practice of organizing and conducting financial transactions;
• -studying the practice of organizing and conducting analysis financial condition and evaluation of performance;

In the period from December 17 to December 30, 2015, I completed an internship at PJSC AK BARS BANK. During my internship, I was allowed to perform a task directly related to the main activity of the organization.

During the internship, the following tasks were implemented:

• - study of the history of the emergence of PJSC "AK BARS" BANK;
• - study of the state of the organization's economy, form of ownership, management structure;
• - Familiarity with the regulatory framework;
• - study of the main activities of the organization;

General information about PJSC "AK BARS" Bank

Organizational and legal structure of PJSC "AK BARS" Bank

Joint Stock commercial Bank AK BARS (public joint stock company) is registered with the Central Bank of the Russian Federation and has been successfully operating in the Russian financial market since 1993.

The Bank has all types of existing in the Russian Federation banking licenses and provides more than 100 types of banking services for corporate and private clients.

Today, AK BARS Bank serves more than 3.2 million individuals and over 66 thousand corporate clients, including the largest exporters of the Republic of Tatarstan, enterprises of the oil and gas and petrochemical complex, machine-building, telecommunications, construction, chemical, motor transport, trade and agro-industrial enterprises .

AK BARS Bank is among the twenty largest financial institutions Russia, ranking 19th in terms of equity capital and 19th in terms of assets as of January 1, 20151. The Bank's clients include over 2.9 million individuals and over 62,000 corporate clients. The extensive regional network of the Bank includes 32 branches, 242 additional offices, 93 operating cash desks, 13 operating offices, and 1 mobile point of cash operations.

The stability of the Bank's activity is guaranteed by the paid authorized capital in the amount of 38.0 billion rubles. The amount of equity as of October 1, 2015 is 61.0 billion rubles.

As of April 1, 2014, the branch network of AK BARS BANK has 20 branches in the Republic of Tatarstan, 23 branches in large cities of Russia, 166 additional offices, 148 operating cash desks, 11 operating offices and 1 mobile point of cash operations.

PJSC "AK BARS" BANK is a member of:

• - World Community of Banking Telecommunications "SWIFT" (S.W.I.F.T),
• - Member of the National Association of Stock Market Participants (NAUFOR)
• - Moscow Interbank Currency Exchange (MICEX),
• - Association of Bill Market Participants (AUVeR),
• - Russian Trading System (RTS) and the Association of Russian Banks.

Key Foreign Correspondent Banks of AK BARS BANK:

• - Wells Fargo Bank N.A. (USA)
• - Standard Chartered Bank (USA)
• - Commerzbank AG (Germany)
• - Deutsche Bank AG (Germany)
• - Hypo-und Vereinsbank AG (Germany)
• - VTB Bank(France) S.A. (France)
• - UBS AG (Switzerland)
• - Skandinviska Enskilda Banken AB (Publ) (Sweden)
• - Nordea Bank Finland Plc (Finland)
• - Komercni Banka as (Czech Republic)
• - The Bank of Tokyo Mitsubishi UFJ Ltd (Japan)
• - JSCB "Commercial and Industrial Bank of China" (Moscow) (CJSC) (Russia)

PJSC "AK BARS" BANK provides customers with the widest range of modern banking services and high-tech operations:

• - lending to legal entities in rubles and foreign currency in the form of: a simple loan account, a credit line "under the debt limit", a working loan, a loan in the form of crediting a current account (overdraft), investment loan, bill credit;
• - lending to individuals in rubles and foreign currency in the form: secured by property, secured by a surety, using a credit card;
• - settlement and cash services, non-cash transactions using the Bank's settlement checks and the Bank-Client electronic payment system;
• - transactions with settlement Bank cards;
• - international payments, documentary operations, collection;
• - currency exchange operations with cash currency;
• - currency operations with non-cash currency;
• - non-commercial money transfers via Western-UNION, Contact systems.
• - acceptance of utility and other payments;
• - acceptance of deposits from legal entities and deposits of the population in rubles and foreign currency with different periods of storage;
• - purchase-sale valuable papers(brokerage, dealership, depository activities), sale of the Bank's promissory notes;
• - Bank guarantees;
• - consulting and reference services, including using the telephone-bank reference and information system;
• - providing safe deposit boxes for storing valuables;
• - telex, postal and telegraph services related to settlements.

The results of the work showed that 2013 became a period of strengthening market positions in the regions of Russia, increasing business volumes in all key areas and further developing the potential accumulated over previous years.

The date of foundation of the Bank is November 29, 1993 - on this day the Bank was registered. Thanks to the introduction of the promissory note program, AK BARS Bank almost immediately reached a qualitatively new level of service provision. Since 1995, the branch network of the Bank has been growing. At that time, 22 representative offices of the Bank were established in the Republic of Tatarstan. In 1996, the Bank received a license to obtain the ability to conduct Banking foreign exchange transactions - it was this step that made it possible to improve the service to individuals. Since 1997, AK BARS Bank has become authorized to store the gold reserves of Tatarstan. In 1998, there was an increase in the authorized capital of the Bank, which amounted to 2 billion rubles. AK BARS Bank kept pace with the times and already in 1999 became a member international system Western transfers Union and offered its clients to work with plastic cards. In the same year, the Bank was merged with InterkamaBank.

In 2000, the number of the Bank's clients exceeded 14 thousand. The Bank has been and is actively working with plastic cards various systems, provides loans to the public. In 2001, AK BARS Bank received funding from the German Bayerische Hypo-und Vereinsbank Aktiengesellschaf and began lending to enterprises in the Republic. In 2004, the Bank signed a loan agreement with Commercial Bank (Czech Republic) in the amount of over EUR 11 million.

In 2005, AK BARS Bank became one of those who organized the National Bureau credit histories. Already in 2006, the Bank was recognized and noted in the top 30 largest banks in Russia.

At the beginning of 2013, the Bank's clients were more than 51 thousand corporate clients and about 2.5 million individuals. Among them, the most large enterprises Tatarstan: enterprises of the oil and gas and petrochemical complex, machine-building, telecommunications, construction, motor transport, trade, agro-industrial, chemical enterprises.

As of January 11, 2016, the branch network of AK BARS Bank has 8 branches in the Republic of Tatarstan, 24 branches in major cities of Russia, 232 additional offices, 64 operating cash desks, 11 operating offices and 1 mobile point of cash operations.

AK BARS Bank has more than 100 types of licenses for all types of banking services in the Russian Federation. As of April 2013, the equity capital of AK BARS Bank amounted to 49.6 billion rubles.

The Bank's head office is located at 420066, Russia, Republic of Tatarstan, Kazan, st. Dekabristov, 1. Phone: (+7 843) 519-39-99.

Fax: (+7 843) 519-39-75 . Email: This e-mail address is being protected from spambots. You need JavaScript enabled to view it

PJSC "AK Bars Bank" in the first place is a universal Bank. Here you can get any of the more than 100 Banking services offered, whether it is a deposit, loan, insurance, settlement and cash services or representing your interests in the financial sector.

The Bank is a member of the following organizations of the Association of Promissory Note Market Participants, Member of the Banking Association of Tatarstan, Worldwide Community of Banking Telecommunications, Moscow Interbank Currency Exchange.

On the background modern stage development of the banking industry, characterized by the action of such trends as increased competition, consolidation of banking capital, regional expansion of large Russian and foreign banks, as well as the exit from the market of uncompetitive credit organizations, "AK BARS" Bank in 2012 took its rightful place among the 200 largest Russian Banks. According to experts, the Bank ranked 13th in terms of equity capital and 17th in terms of assets. Throughout the year, the performance of AK BARS Bank was repeatedly positively assessed by international rating agencies « Fitch Ratings and Moody's Investors Service.

The bank provides its clients with a whole range of financial services to corporative clients: settlement and cash services, lending, provision bank guarantees, transactions with bank cards, international transactions and currency control, conclusion of contracts bank deposit, securities market services, management in cash and securities of clients, brokerage and trust operations, online trading and much more. Retail business is the most important activity of the Bank.

PJSC "AK BARS" BANK offers high-quality comprehensive banking services to private clients, providing the widest possible range of financial services of high quality and reliability. All categories of clients can use such services as loans, mortgages, deposits, settlement and cash transactions, bank cards, precious metals, remote banking services AK BARS Online, SMS-Banking, etc. The Bank's task in working with clients is to build long-term partnerships based on an individual approach.

• March 11, 2015 - AK BARS Bank launched New Product- BankOK virtual card. Payments on the Internet have now become even more convenient and safe - thanks to the BankOK virtual card from OJSC AK BARS BANK. BankOK virtual card is issued at the time of installation mobile application BankOK, available on Google play and AppStore. By downloading this application, you get quick access to the details virtual card BankOK, which will allow you to quickly make payments on the Internet. Among other useful services of this application is a convenient payment history feed, the ability to comment on events in the action feed, as well as the ability to transfer funds from a BankOK card to another BankOK card between users of the above application. To install the BankOK mobile application, you only need mobile device on the iOS or Android platform, access to the Internet and valid card"AK BARS" Bank with the activated service "AK BARS Online**".
• September 6, 2015 - in Kazan, the restoration of the Molodezhny square, invested by AK BARS Bank, was completed. On September 6, 2015, the grand opening of the restored Molodezhny Square on Dekabristov Street took place. AK BARS Bank acted as an investor in the project, construction work was carried out by AK BARS Stroy LLC. The idea of ​​reconstructing Molodyozhny Square was implemented as part of the announced year of parks and squares in Kazan. During the arrangement of the square, work was carried out on laying concrete tiles, asphalting roads and comprehensive landscaping activities. In addition, in 2015 the Bank acted as an investor construction works for the reconstruction of the Chishmyale square, and since 2005, AK BARS Bank, on its own initiative, has been marching over the square on the street. Yarullin, ennobling its territory.

At present, the territorial network of AK BARS Bank includes: 8 branches in the Republic of Tatarstan, 24 branches in other regions of the Russian Federation, 232 additional offices, 11 operating offices, 1 mobile point of cash transactions, 64 operating cash desks, as well as a subsidiary JSC RNKO " Narat" in Saratov.

Today AK BARS Bank is present in 30 regions of Russia.

On the territory of the Russian Federation outside of Tatarstan there are 24 branches and 92 additional offices of AK BARS BANK

Branches of AK BARS Bank in Tatarstan:

• - Almetyevsk branch
• - Arsk branch
• - Yelabuga branch
• - Zelenodolsk branch
• - Kazan branch
• - Naberezhnye Chelny branch
• - Nizhnekamsk branch
• - Chistopol branch

In Russia:

• - Barnaul branch
• - Yekaterinburg branch
• - West Siberian Branch
• - Izhevsk branch
• - Kirov branch
• - Krasnodar branch
• - Krasnoyarsk branch
• - Mari branch
• - Moscow branch
• - Nizhny Novgorod branch
• - Novgorod branch
• - Novosibirsk branch
• - Omsk branch
• - Orenburg branch
• - Perm branch
• - Rostov branch
• - Samara branch
• - Saransk branch
• - Saratov branch
• - Northwestern branch
• - Ulyanovsk branch
• - Ural branch
• - Ufa branch
• - Cheboksary branch

Features of the organizational structure of the Bank:

• 1) Branches of the Bank (territorial banks, branches) act on the basis of the regulations approved by the Board of the Bank, have a seal with the image of the emblem (logo) of the Bank and the details established by regulations Bank of Russia, as well as other seals and stamps.
• 2) Branches of the Bank are endowed with property, which is recorded both on their separate balance sheets and on the Bank's balance sheet.

In the seals and corner stamps, letterheads and signboards of the Bank (branch), it may be indicated in Russian and the state language of the republics in accordance with the legislation of the republics.

3) Changes to the Charter related to the opening, closing of branches, representative offices, changes in their status, name and location, are made by decision of the Supervisory Board of the Bank at least once a year.

When closing a branch of the Bank or changing its status, the Bank notifies foreign creditors - individuals who have placed funds on deposit accounts with such a branch, by publishing a message in the media, posting a message on the official corporate website of the Bank on the Internet, as well as posting a message in the office of this branch and in all its structural divisions in places accessible to customers.

• 4) Branches of the Bank (territorial banks) are headed by chairmen appointed by the President, Chairman of the Board, branches (branches) - managers, according to the established nomenclature.
• 5) Chairmen of territorial banks, branch managers act on the basis of powers of attorney.

Hiring and dismissal of employees of branches, conclusion with them employment contracts carried out by the heads of branches according to the established nomenclature.

6) Domestic structural units open, close, change location, resubordinate by decision of the board of the territorial Bank; internal structural subdivisions of the branch - by decision of the board of the territorial Bank, in whose organizational subordination the branch is located.

The Bank is entitled to carry out the following Banking operations:

• 1) attraction of funds of individuals and legal entities in deposits (on demand and for a certain period);
• 2) placement of attracted funds indicated in the previous paragraph of this paragraph on its own behalf and at its own expense;
• 3) opening and introduction bank accounts individuals and legal entities;
• 4) making money transfers on behalf of individuals and legal entities, including Correspondent Banks, through their Bank Accounts;
• 5) collection of funds, bills of exchange, payment and settlement documents and cash services for individuals and legal entities;
• 6) purchase - sale foreign exchange in cash and non-cash form;
• 7) attraction to deposits and placement of precious metals;
• 8) issuance of bank guarantees;
• 9) making money transfers without opening Bank accounts, including electronic money (except for postal money transfers).

Bank other than those listed above banking transactions is entitled to carry out the following transactions:

• 1) issuance of a guarantee for third parties, providing for the fulfillment of obligations in cash;
• 2) acquisition of the right to demand from third parties the fulfillment of obligations in cash;
• 3) trust management of funds and other property under an agreement with individuals and legal entities;
• 4) carrying out transactions with precious metals and precious stones in accordance with the legislation of the Russian Federation;
• 5) leasing to individuals and legal entities special premises or safes located in them for storing documents and valuables;
• 6) leasing operations;
• 7) provision of consulting and information services;
• 8) carrying out professional activities in the securities market in the presence of an appropriate license.

The governing bodies of the Bank are:

• - General Meeting of Shareholders;
• - Board of Directors;
• - collegial executive body - the Board of the Bank;
• - the sole executive body - the Chairman of the Management Board of the Bank.

Figure 1.1.1 - Organizational and legal PJSC structure"AK BARS" BANK

The main powers for the management of the Bank are delegated by the shareholders to the Board of Directors, which carries out the general management of the Bank's activities. The current Board of Directors is elected by the Annual General Meeting of Shareholders.

• 1) Composition of the Board of Directors.
• 2) The Board of Directors elects Committees from among its members - subsidiary bodies designed to ensure the effective implementation of particularly significant management and control functions of the Board of Directors in areas most important for the successful development of the Bank. grew up
• 3) Composition of the Committees of the Board of Directors.
• 4) The Board of Directors, in order to ensure the operational management of the Bank, elects a collegial executive body - the Management Board of the Bank. All current activities of the Bank are managed by the sole executive body - the Chairman of the Board of the Bank, who is elected by the General Meeting of Shareholders.
• 5) Composition of the Board.
• 6) Corporate structure.
• 7) Development strategy.

Active and mutually beneficial cooperation with a wide range of foreign partners in various areas testifies to the strong positions of PJSC "AK BARS" BANK in the global banking system. Such international recognition not only makes it possible to fully meet the foreign economic needs of the Bank's clients, but also serves the interests of the country as a whole.

The competence of the General Meeting of Shareholders includes the following issues:

• 1) introduction of amendments and additions to this Articles of Association or approval of the Bank's Articles of Association in a new edition;
• 2) reorganization of the Bank;
• 3) liquidation of the Bank, appointment of a liquidation commission and approval of interim and final liquidation balance sheets;
• 4) determination of the quantitative composition of the Board of Directors of the Bank, election of its members and early termination of their powers;
• 5) determination of the number, nominal value, category (type) of authorized shares and the rights granted by these shares;
• 6) increase in the authorized capital of the Bank by increasing the par value of shares;
• 7) approval audit organization Jar;
• 8) determination of the procedure for conducting the General Meeting of Shareholders;
• 9) splitting and consolidation of shares;
• 10) approval of internal documents regulating the activities of the management bodies and the audit commission of the Bank, etc.

The Board of Directors of the Bank exercises general management of the Bank's activities in accordance with the Federal Law of December 26, 1995 No. 208-FZ "On joint-stock companies”, this Charter and the Regulations on the Board of Directors, with the exception of resolving issues within the competence of the General Meeting of Shareholders.

The competence of the Board of Directors of the Bank includes the following issues:

• 1) determination of priority areas of the Bank's activities, approval of the Bank's Development Strategy;
• 2) convening the annual and extraordinary General Meetings of Shareholders;
• 3) approval of the agenda of the General Meeting of Shareholders;
• 4) determination of the date of compiling the list of persons entitled to participate in the General Meeting of Shareholders;
• 5) acquisition of shares, bonds and other securities placed by the Bank in cases stipulated by federal law
• 6) approval of major transactions in cases provided for by law;
• 7) recommendations on the amount of dividend on shares and the procedure for its payment;
• 8) use reserve fund and other funds of the Bank;
• 9)Approval of annual financial plan(budget) of the Bank;
• 10) consideration of corporate governance practices in the Bank, etc.

The number of members of the Board of Directors of the Bank is determined general meeting shareholders, but can not be less than 5 members. Members of the Board of Directors of the Bank are elected at the annual General Meeting of Shareholders by cumulative voting for a term until the next year of the General Meeting of Shareholders and may be re-elected an unlimited number. The candidates who receive the largest number of votes are considered elected.

Member of the Board of Directors of the Bank can only be individual. The following persons may be elected as directors of the Bank:

• - individuals (shareholders);
• - Chairman of the Board of the Bank;
• - Members of the Board;
• - other employees of the Bank;
• - independent directors.

The competence of the Management Board of the Bank includes issues of managing the current activities of the Bank, with the exception of issues related to the competence of the General Meeting of Shareholders and the Supervisory Board of the Bank.

The Management Board of the Bank, in accordance with the tasks assigned to it:

• 1) organizes and conducts, in accordance with the established procedure, work to improve the work of branches;
• 2) Approves interest rates on deposits of individuals;
• 3) establishes the system of remuneration in the Bank;
• 4) approves regulations on branches and representative offices of the Bank;
• 5) makes decisions on the appointment of temporary management, etc.

The President and Chairman of the Management Board of the Bank are elected by the General Meeting for a term of 4 years. They organize the work of the Bank. Their competence includes resolving issues related to the current activities of the Bank, as well as:

• 1) organization of the work of the Board of the Bank;
• 2) ensuring the implementation of decisions of the General Meeting of Shareholders and the Supervisory Board of the Bank;
• 3) making transactions and other legal actions on behalf of the Bank without a power of attorney;
• 4) encouragement of employees of the Bank for conscientious work;
• 5) conclusion, termination and amendment of employment contracts, etc.

Internal control in the Bank is carried out in accordance with the powers defined by the Charter and internal documents of the Bank:

• 1) the management bodies of the Bank provided for by the Charter;
• 2) Audit Commission;
• 3) Chief Accountant (his deputies) of the Bank;
• 4) managers (their deputies) and chief accountants (their deputies) of the Bank's branches;
• 5) Service internal audit Jar;
• 6) Service internal control Jar;
• 7) a structural unit for the legalization of proceeds from crime and the financing of terrorism;
• 8) controller of a professional participant in the securities market;
• 9) other divisions and employees of the Bank.

The Audit Commission in the amount of 7 members by the General Meeting of Shareholders.

Supervision and control over the activities of the Bank is carried out by the Bank of Russia and bodies authorized federal laws and other regulatory legal acts.

JSCB "Ak-Bars" - Management

The year 2005 was a milestone for our Bank on the way to achieving the main strategic goal - the formation of one of the largest universal banks of federal significance, recognizable in the global investment business community.

Against the backdrop of the current stage of development of the banking industry, characterized by the action of such trends as increased competition, consolidation of banking capital, regional expansion of large Russian and foreign banks, as well as the withdrawal from the market of non-competitive credit organizations, in 2005 AK BARS Bank took its rightful place among 200 largest Russian banks. According to experts, the Bank ranked 13th in terms of equity capital and 17th in terms of assets. Throughout the year, the performance of AK BARS Bank was repeatedly positively assessed by the international rating agencies Fitch Ratings and Moody's Investors Service.

Over the past year, there have been significant quantitative and qualitative changes in the scale of the country's economy and the banking sector in particular. Against the background of generally stable development of the banking industry in 2005, the activity of AK BARS Bank can be characterized as dynamically developing. The interaction with partners grew, which became the basis for the implementation of new business projects and contributed to the increase in the Bank's assets twice. At the same time, investments were diversified by business lines, guaranteeing stable income in the future. In addition, a significant increase in the scale of operations was made possible by the Bank's territorial expansion.

The year 2005 was marked for the Bank by active development stock market as an investor and issuer. The Bank entered the international financial borrowing market with the debut issue of Eurobonds, which marked the beginning of its positive business reputation in the global investment community.

The successful solution of the tasks of the progressive development of the Bank in the past year opened up prospects for further advancement in internal and external financial markets. We can safely say that AK BARS Bank, having the necessary intellectual, financial and technological resources, will not only maintain the positive dynamics of its business, but will also move forward, developing even more actively and efficiently.

Chairman of the Board of JSC "AK BARS" BANK

Dear shareholders, partners and clients of the Bank!