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 of uncompetitive banks from the market credit organizations, "AK BARS" Bank in 2005 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 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 of the 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 Bank's progressive development last year opened up prospects for further advancement in the domestic and foreign 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!
The twelfth financial year of JSC AK BARS BANK activity in the banking services market has been completed. Each year of activity contributes to the development of the Bank, as for 2005, this year was one of the most dynamic in its history.
The main result of the past year was the establishment of strong mutually beneficial relationships with new partners and clients in the country and abroad, this was achieved by expanding the branch network, thanks to the introduction of new banking products, which, in terms of their level, functionality allowed to adequately compete with the main players in the banking services market. Effectively interacting with their business partners - management companies, non-state pension fund, leasing and insurance companies, the Bank has significantly expanded the range of services provided.
In 2005, AK BARS Bank took part in the implementation of major projects aimed at developing strategic important industries economy: petrochemical, machine-building and shipbuilding, agro-industrial and construction. It continued to strengthen its position as a universal bank with a growing branch network, providing a wide range of services to corporative clients and the population. The trust of clients, manifested in the dynamic growth of the client base, has become one of the most important achievements of the Bank. Realizing the high price of such trust, the Bank will continue to improve technologies and quality of customer service.
The past year was marked by significant events in Russia and the Republic of Tatarstan - the 60th anniversary of the Victory in the Great Patriotic war, 1000th anniversary of Kazan. And here the Bank did not stand aside. Especially for these dates, a socially oriented package of contributions was issued, and active participation in the preparation of events to celebrate the 1000th anniversary of Kazan was organized. The bank solved not only economic problems, but also social ones. With financial support from the Bank, the city was beautified, outdoor lighting facilities were upgraded, and buildings were constructed and reconstructed.
The constructive interaction with partners and clients that has developed over the past years will allow us to jointly solve the problems of maintaining a highly efficient, territorially diversified client business in the future.
Let me thank you for the successful business relations that have developed over the years of joint activity and for mutual understanding. We look to the future with optimism and are confident that our cooperation will steadily expand.
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 last 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 department currency transactions and international settlements 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 channels remote service, optimizing business processes and improving 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 and cash services 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 stock under the President of the Republic of Tatarstan, controlled a total of about 88.37% of the bank's shares (including through Svyazinvestneftekhim JSC and Tatneft PJSC). 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 amounted to 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.
OJSC Joint Stock commercial Bank Ak Bars is the largest universal bank with state participation. Ak Bars occupies a leading position in the banking services market of the 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.
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 entered the deposit healthcare system.
The shareholders of the bank are 12 organizations and 18 individuals.
Also, the financial and industrial group includes 15 different companies, including agricultural, manufacturing, processing, construction and trade structures, as well as a financial block.
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 of banking organizations in the 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.
Ak Bars offers favorable rates on ruble and foreign currency deposits individuals. Ak Bars Bank deposits can be opened at all branches or you can send an application online.
Ak Bars gives you the opportunity to take
. You can apply online or visit a bank branch.
Ak Bars Bank offers car loans for individuals on special programs on favorable terms without down payment with a low interest rate.
Bank "Ak Bars" makes it possible to take mortgage on favorable terms no down payment.
For the development and opening of small or medium-sized businesses Bank "Ak Bars" offers loans with favorable conditions.
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%.
Optimal(Visa Electron, Visa Unembossed Non-Personalized, MasterCard Cirrus/Maestro, MasterCard Unembossed Non-Personalized, MasterCard Unembossed): Russian ruble 23.9%.
Optimal Russian ruble 23.9%.
Optimal Gold (Visa Gold, MasterCard Gold): Russian ruble 23.9%.
Simpledecision(Visa Electron, Visa Unembossed Non-Personalized, MasterCard Cirrus/Maestro, MasterCard Unembossed Non-Personalized, MasterCard Unembossed): Russian ruble 30.9%.
SimpledecisionClassic (Visa Classic, MasterCard Standard): Russian ruble 30.9%.
Simple Gold Solution (Visa Gold, MasterCard Gold): Russian ruble 30.9%.
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:
The objectives of the practice are:
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:
Joint Stock Commercial Bank "AK BARS" (public joint stock company) is registered with the Central Bank of the Russian Federation and successfully operates on financial market Russia since 1993.
The Bank has all kinds of existing in Russian Federation Banking licenses and provides more than 100 types 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 one of the twenty largest financial institutions in 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. As part of the extensive regional network of the Bank - 32 branches, 242 additional offices, 93 operating cash desks, 13 operational offices, 1 mobile point of cash transactions.
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 04/01/2014 branch network 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:
Key Foreign Correspondent Banks of AK BARS BANK:
PJSC "AK BARS" BANK provides customers with the widest range of modern banking services and high-tech operations:
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 Union transfers 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 of various systems, and provides loans to the population. 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 are the largest enterprises of 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 .E-mail: 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 representation of 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.
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 of non-competitive credit institutions from the market, in 2012 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.
The bank provides its clients with a whole range of financial services corporate clients: settlement and cash services, lending, provision of bank guarantees, operations with bank cards, international transactions and currency control, conclusion of bank deposit agreements, services in the securities market, management in cash and securities of clients, brokerage and trust operations, online trading and much more. The retail business is the most important area of the Bank's activity.
PJSC "AK BARS" BANK offers high-quality complex banking services to private clients, providing the maximum 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 system "AK BARS Online", SMS-Banking, etc. The task of the Bank in working with clients is to build long-term partnerships based on an individual approach.
Currently territorial network AK BARS Bank has: 8 branches in the Republic of Tatarstan, 24 branches in other regions of the Russian Federation, 232 additional offices, 11 operating offices, 1 mobile cash desk, 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:
In Russia:
Peculiarities organizational structure Jar:
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.
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) Internal structural subdivisions are opened, closed, relocated, resubordinated 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:
Bank other than those listed above banking operations is entitled to carry out the following transactions:
The governing bodies of the Bank are:
Figure 1.1.1- Organizational and legal structure of PJSC "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.
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 most 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:
The Board of Directors of the Bank exercises general management of the Bank's activities in accordance with Federal Law No. 208-FZ dated December 26, 1995 "On Joint Stock Companies", this Charter and the Regulations on the Board of Directors, except for 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:
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.
Only an individual can be a member of the Board of Directors of the Bank. The following persons may be elected as directors of the Bank:
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:
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:
Internal control in the Bank is carried out in accordance with the powers defined by the Charter and internal documents 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.
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
The first state diploma of higher education in the specialty "jurisprudence", the qualification "lawyer" received in 1994 after graduating from Kazan State University. V. I. Ulyanov-Lenin.
In 1996, he graduated from the International Academy of Marketing and Management (MAMARMEN) with a master's degree in finance and credit with a qualification degree of Master of 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 about. 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 of Honored Economist of the Russian Federation and 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.