In the sanated bank "Sovietsky" the hole has grown from 7.5 billion to 35 billion rubles. After the collapse of Tatfondbank's mother, the banker, who is engaged in sanation, told Vedomosti, and confirmed by a person close to the Central Bank. According to one of them, this is due to the fact that about 28 billion rubles. Assets of the "Soviet" accounted for Tatfondbank and after the Central Bank revoked his license, this money became virtually irrecoverable and assets require a 100% reservation.

Tatfondbank bought 99.99% of the shares of the sanitized bank "Sovietsky" in March 2016, the bank by that time had already sanitized the reference bank DIA - "Russian capital". However, in just a few months the problems began at Tatfondbank itself, which called for the repair of prominent officials from Tatarstan. In December 2016, the Central Bank introduced a temporary administration there, and later withdrew the license, since there was nothing to save there - the regulator estimated the capital deficit of 118 billion rubles. The presence of such a hole, which obviously did not form overnight, did not prevent Tatfondbank from doing financial rehabilitation for a long time: he was elected by the Central Bank and the DIA as a sanator for BTA-Kazan (renamed Timer Bank).

Almost immediately after the beginning of the reorganization, Tatfondbank received from the "Soviet" interbank credit (MBK) for 14.6 billion rubles. The issue of this loan was disputed by the former owners of the Soviets. According to the lawsuit filed by Alexander Teplyakov, who owned 17% of the St. Petersburg bank (after - less than 0.01%), the St. Petersburg Arbitration Court and then the appellate court found the loan invalid and ordered Tatfondbank to return the money to Sovetsky. The court also pointed out that the transaction was non-market, interest was not paid, the borrower was "stably unprofitable", and the placement of inter-bank loans in Tatfondbank did not have a positive effect on the sanated creditor bank (its financial performance deteriorated). In addition, the "Soviet" has invested 3.5 billion rubles. In the bonds of Tatfondbank and under its guarantees issued MBC to Intechbank ("daughter" of Tatfondbank, the license was withdrawn in March 2017).

 From the reporting of the "Soviet" on February 1 it follows that the negative capital is 19 billion rubles., Since December 2016 the bank has been publishing it in a reduced form.

"Virtually all of these funds (18.6 billion rubles.) - a loan granted to Tatfondbank," recalls the representative of the former owners, and now the minority shareholders of the "Soviet" Alla Gerasimova. According to her, it is difficult to understand the reasons for the sharply increased hole in the II quarter - there have not been published reports yet. The bank is currently hiding reporting - he refused to monthly disclosure on the site of the Central Bank and hides the quarterly, she complains. "I can only assume that, in part, the hole is growing because of the accumulated interest on the unpaid MBK," Gerasimova points out.

With the fact that the main reason for the hole is a loan to Tatfondbank (about 18 billion rubles), the expert from Expert RA Stanislav Volkov agrees. According to him, the remaining part could be connected with the actions of shareholders who managed the bank before the reorganization. For example, the bank had a lot of real estate, the real value of which, according to an independent assessment, is less than claimed. The departure of capital in negative territory is often associated with reserves for loans to legal entities - it could be loans to related parties or technical loans, Volkov estimates. "These loans cease to be serviced after the beginning of the reorganization. As a rule, they have to be written off, "he explains.

The history of Tatfondbank graphically illustrates all that the Central Bank was so afraid of. Chairman of the Central Bank Elvira Nabiullina has repeatedly stated that the regulator will not allow sanatoriums to correct their "position" at the expense of cheap loans from the DIA and turn the sanitized banks into a warehouse of bad assets. Some sanatoriums were weak and were suspected of transferring toxic assets to the balance of sanitized banks, since the latter are allowed to violate mandatory standards of the Central Bank, Fitch analysts stated in February.

Representatives of the Central Bank and DIA did not reply to Vedomosti's request.