BINBANK and related credit organizations for the results of the year for 9 months of the year showed gigantic losses. In addition, it became clear that Bin violated all the main standards, in other words, the bank remained without his own funds and diluted with strangers. When it was only taken to a rejection, the shareholders reported that they were ready to compensate for the loss. But the month passed, and about how they will pay anything unknown. It seems that the family of Gutseriyev-Shishhanov simply gave the Central Bank "Hummer" bank, shifting all the problems on the shoulders of the state.

And inside - empty

Probably, every child in our country knows a cheerful and stupid focus: eat chocolate candy, and then threatening the wrapper. Since the paper remembers the outlines of the candy, it will look like a delicacy so far inside. Only weight, of course, will be different. Next, you need to stretch this daddy or mom with the words: "Ignition with candy". Well, and look at the face of the parent, who instead of treating gets an inedible piece of paper. Children are very fun, adults are not very. Approximately the same focus of the Central Bank showed the shareholders of Binbank, giving the bank to the regulator to a sanation, which the efforts of the owners became illiquid pacifier. Only, unlike deceived parents, the Central Bank saw the money from the credit institution and knew perfectly well that he was hiding under a bright wrap.

My business with the edge

The other day Binbank and the "discovery" published their reporting in three quarters. Their community was a rock milling rubles. The figure is giant, impressive and record for the Russian banking system. Both organizations have recently been on the sanation of the Central Bank, which will now be covered by their losses and improve. It is known that the regulator never hid it that their owners and top managers are to blame for banks. They made strategic mistakes and brought their corporations to the handle. It is difficult to argue with this, as well as with the fact that for errors, inadvertent or deliberate, these owners and managers must answer. Moreover, with the "discovery", it seems, everything is already clear, no one is going to answer for this bank. Now it is exclusively the headache of the Central Bank. And very similar to the truth recent media reports that the deputy chairman of the Central Bank Vasily Pozdyshev Communicates the Bank's customers with a request not to take their deposits, but those who have already taken away, asks to return the money. You read and even feel a little more complicate the heads of the Central Bank, which act as senders.

But the owners of the "discovery" everything goes just wonderful. They are quietly engaged in their affairs, trying not to comment on what happened in their bank. Yes, and why, it will cost somehow without them. And the fact that the "opening" needed a trillion rubles (that is, this trillion on the logic of things in the bank is missing), so this case is life, it happens. Most of the owners have other major businesses, the same Vagit Alekperov and Leonid Fedun - First of all, oil workers, they have one of the largest oil companies in the LUKOIL country, which they are up to the bank from which huge money disappeared. And the main owner of the "discovery" Vadim Belyaev Recently received a new position, he is a diamond business bank. Last year, LUKOIL sold the "opening" "Arkhangelskgeoldovych" for one and a half billion dollars. Nowadays, journalists from the British newspaper Finenchel Times found out that this amount is 3 times higher than the market value of the asset. But these are the affairs of the past days, now this is not very interesting for anyone. The main thing is that everything is in case.

Pay about the bank while he is alive

A somewhat different situation of Binbank. Shortly after the Central Bank of the Bank's Sanation of the Gutseriyev family, the co-owner of the credit institution and the nephew of Mikhail Gutseriev Mikail Shishkhanov Gave a very touching, heartfelt interview. He stated that he wanted to show that he did not negotiate money in the bank, did not take assets. He promised to never engage in banking business anymore, but to rescue Bina to give all personal property. Including its deposits for $ 100 million. Gusting, of course, very valuable, and also capable of calling a meager male tear.

That's just 100 million in American currency - it is about 6 billion rubles. And the "hole" in Binbank was estimated at hundreds of billions. So it would be nice to donate and something else. And at first it seemed that it would be so.

The Central Bank stated that the bank's owners were configured to cooperate and are ready to invest in his salvation. Still the same Vasily Pozdyshev He said that other assets of the Safar Group will be transferred to Bina's balance (it manages the property of the Gutseriev family), in particular agrarian, hydrocarbon and even something from nanotechnology. Moreover, in the same interview, Shishkhanov said that the owners will return to the bank assets more than 300 billion rubles. And recently it turned out that shareholders transmit the Central Bank of their warehouse, construction, offices and even a large vegetable-base near Moscow. That's just vegetables, probably, lacked the financial regulator for complete happiness. The total cost of this property is about 70 billion rubles. And then in the Bank of Russia reported that Shishhanov-Gutserivius transmit and the shares of Russneft, the pearls of the family business empire. Here are just journalists learned that we are talking about 3.7%, they cost billions of rubles, but not dozens and not hundreds of billions. And the big package of businessmen will not give. In the end, for shareholders, Binbank is the already passed stage. Love passed, everything burned down. What is now in memory of the old relations of Mikhail Gutseriev to give all the shares of Russneft? Or deprive chic hotels in Moscow? All that, as the saying goes, is acquired by unbearable labor ...

From the banker to banks

It is really a truly unbearable difficulty, whether there is no righteous, but Gutseriev collected all his assets (parallel to them) for more than 20 years. The same Binbank was founded in the early 90s. The legend assures that his name is an abbreviation: "Brotherhood of the Ingush People". True, the owners of the bank publicly supported a different version: "Bank of investments and innovations". Interestingly, until some time about this credit organization, no one knew anything. Little such bunches were in the era of the initial capital accumulation, then every less large businessman turned his pocket bank to serve his business, and the total banks in the country had more than 2000. At the beginning of zero, the situation was changed, Binbank got servicing the financial flows of the State Oil Company. "Slavneft." Large luck, skipping into a large banking future. And no one paid attention to the fact that the President of Slavneft was governed by the owner of Bina Mikhail Gutseriev...

After that, Binbank acquired a federal scale and developed calmly until unexpectedly went into rapid growth. Moreover, "Growth" is not just a suitable word, Bin has become a sanator of banks of the group "Growth", having received about 35 billion rubles from the Deposit Insurance Agency. And soon the bank made a new acquisition, bought MDM, according to some estimates, he cost Shishkhanov and his uncle Gutseriev in 17 billion rubles. There was another interesting deal: in the midst of Ukrainian events, the family went to Moskomprivatbank, the daughter of the bank of the Ukrainian businessman Igor Kolomoisky. Bina's owners almost and did not hide that it was a political course rather, based on the loyalty of the authorities. In general, he was aggravated and began to grow a bank monster with assets in a trillion rubles. What, by the way, judging by customer reviews, it was not particularly affected by the quality of service, rather, on the contrary: a huge queue in the binbank department was the norm. But what is only worth the recent client's story from St. Petersburg, which in the absence of the people in the department was sitting in an electronic queue about an hour ... This is, of course, the little things, compared with the global changes in the life of the bank, but life is known from the little things and consists.

Your money is our money

The passion of shareholders to giantism is only one of the causes of Binbank's collapse. The main thing lies in the other passion: buy everything that you can buy. First of all, the chic Moscow real estate is all sorts of "national", "Mariotta" and other "Hilton". This fun is expensive, it needs to take money somewhere. But after all, the Safamar group has pension funds where future Russian pensions are kept. Excellent source for investment. Businessmen that today they will take these "long" money, and then earn and return with interest. But either, they didn't have any ability to be so shiny, or we now have it now, but they could not return the money. And maybe did not have time, because from that year the Central Bank tightened the requirements for investing in pension money and a huge financial hole had to urgently stuck. It was necessary to either quickly sell their property, or take money in the native bank. Of course, the second option was selected.

And how recently reported media with reference to the letter of the first deputy chairman of the Central Bank Dmitry TungaBinbank drought third-party business of his shareholders more than 700 billion rubles. Beautiful figure, and special beauty she adds what is 700% of the bank's own capital. No banking standards are not even talking about any speech, everything is broken so that it is still nowhere. However, there is nothing to be surprised. It is known that Russian bankers on the current tradition consider customer money with their own and take them when they need and in the volume that they consider it necessary. Well, about to give - see above, it seems, no one is going to give anything. It seems to be an exceptional regulator. He, of course, wrote off the deposits of shareholders, but as already mentioned - this is just billion rubles, while hundreds of billions have been spent.

Bingo!

It is always considered that if the bank is big, it means that it cannot be closed, too many people will suffer. Probably, it is. That's just why the state needs another huge bank? The Central Bank stated that, most likely, a bin and "discovery" will be united, and therefore, another monster will be obtained, which financial authorities will spend several years and huge money. But why now not to get rid of this "rectum disease"? Yes, spend money, return all customers, close all debts, write off everything you can write off painlessly for the economy. But flipping the page and live quietly further. No, the Central Bank led by Elvira Nabiullina With some Masochism, several years later looked at how from the largest private banks of the country withdraw money. And now with pain in the heart, it is scattered and creates a new monster. Is it really not enough to save, VTB (with all his "mail bank", the former "bank of Moscow" and so on), Gazprombank and other credit giants with the state institution?

True, the regulator optimisticly declares that now he reaches these banks and will successfully sell on the market. Other comments to this, except "Well," and not. What kind of normal businessman will buy a bank now? There is an assumption that the regulator is fluttering with the new bank, and it will bother it. For market needs in it, as it was not, and not. And there were these banks solely in order to satisfy the ambitions of their shareholders. And, apparently, all are now so satisfied that they calmly live their lives and free. Moreover, no one escaped anywhere. There are two options. Or shareholders crystally honest guys. Either the Motherland appreciates these citizens so much, and these citizens are so appreciated their homeland, which can be covered with some of their acts of eyes. By the way, Elvira Sakhipzadovna, and not to establish some orders for them? Something like "Order of Friendship with the Central Bank."

In chapter

Immediately several leading Russian media told about what heroic efforts were able to save Binbank. The name of the hero is Michael Shishkin, the former, and, apparently, the future owner of this credit institution. The reasons for the collapse of one of the largest Russian banks are unlikely to be interested in someone. Until the next crisis.

Benbank owner Mikail ShishkinApparently, I started the total information campaign. On a large number of media platforms, the banker recently voiced his thoughts, the essence of which is reduced to the fact that Binbank saved. Thanks to all. Everybody's Free" The latter circumstance is especially important, since it primarily refers to Mikayl Shishkanov himself.

For their freedom and the preservation of Binbank, Mikail Shishkanov tirelessly thanked the representatives of the Central Bank, which were allocated to the salvation of his credit institution about 50 billion rubles. But Bina's main Savior, according to Michael Shishkanova - Himself ... Mikail Shishkin. As follows from one of the numerous published in the press of panechnics, bankers " attached all efforts not only for the success of the procedure, but also to protect depositors».

As a special feat, Michael Shishhanova's act is served to leave all his positions and become the chairman of the Board of Directors of Binbank, going to maximum cooperation with the regulator representatives. "But I could also go to ...", as they say in one famous joke.

Recall that Mikayil Shishkanov's decision to lead Binbank was made in September 2017, at the moment when the credit institution, apparently, confidently. The outflow of Fisheets and Jurlitz from Binbank in the same September, the Central Bank of 56 billion rubles was estimated.

As a result of the implementation of the prescription on the preparation of reserves, which made the Central Bank, Bina had to reduce its own capital by a third. The deficit of his reserves at that time was estimated at 250-350 billion rubles.

Patchwork Empire

By and large for Binbank, everything was over. And this end was programmed like a chronicle of a picking bomber. The fact is that the entire life path of Binbank is the story of endless mergers and acquisitions of various assets. Each of these operations can be explained not so much by the logic of the development of the business of Bina himself, how many persistent requests of the influential partners of the Hutseriev family, head of which a billionaire Mikhail Gutseriev And created Binbank in 1993. Now he is headed by an industrial and financial group " Safmar" Over the years of its existence, "Safar" has become an empire, where the most heterogeneous assets - industrial, financial, banking, commercial real estate, construction, development, retail trade were hit where the result of almost accidental selection. As part of the industrial assets of the Group, for example, oil companies ("RussNeft", "Neftyis", "Forte Invest"), as well as "Russian coal", "Slavokalia" and many other various enterprises included on the occasion.

But this is not a classic Western Conglet, which is funded from the market and on market conditions. Gutseriev-Shishkhanov held on optimization of financial flows inside Binbank - a licensed institution, whose business rules are rigidly regulated by the Central Bank. Entry into the bank of a whole mustache of a variety of assets with a regulator is not welcome. It seems that is why all factories, oil-resistant, shops and so on. From a formal point of view, the perimeter of the interests of businessmen did not enter. But it was they who represented the main interest to the owners of Binbank, who had to finance the entire design.

On this topic

The report submitted on the eve of the general inspector of the Ministry of Justice Michael Horovitz. He reported that he did not find political bias in how the FBI led the investigation against the members of Trump's headquarters, but they were found in the actions of the Bureau "Serious Errors".

Slow-up bombs

The times when the owners of the banks openly turned them into the treasury for their industrial holdings, went into the past. They replaced closed systems that serve each other's assets without breaking (formally) the standards of the Central Bank. The existence of such "archipelago" in fact threatens the credit system much stronger than individual banks, because in the event of a crisis, the transfer of problems on the bank chain is automatically programmed.

BINBANK in one of these systems - Bomp (Binbank, ICD, Promsvyazbank and FC "Opening"), also called "Moscow Ring". The participants of the financial market learned about the close relationship of these banks as a result of a "plum" of the employee of the company "Alfa-Capital" Sergey Gavrilovawhere the analyst predicted the rapid problems in members of the bomb.

As the time has shown, Sergey Gavrilov was practically not mistaken - only the ICD stood out of four banks. It is sad that the general public to estimate the risks could only after the entire system was on the verge of collapse. She could not fail, since it critically depended on the overall state of the business of the entire Holding "Safar". After the events of 2014 (sanctions, collapse of the ruble, the fall in oil prices) This state could not be good. At the same time, banking structures began to collapse, which Binbank was forced to pick up. At the same time, he used these acquisitions to receive funding from the Bank of Russia, which generously printed money to save bankers. In 2014, Binbank received an assets of the "Rosta Bank" assets ("Accobank", "Kedr", Rost-Bank, Ska Bank, Tveriniversalbank), almost 36 billion rubles. After that, it was forced to download another 600 billion - over seven of its capital. But the acquisition was a real blow for Bina bank MDM.. Mikael Shishkinov argues that he did not expect to face so bad assets in MDM. And this is a very strange statement, given the fact that the quality of MDM assets, as well as the main business model of the bank has never been a secret for all participants in the credit market. Moreover, from time to time, attempts were made to correct things and send MDM Bank to a new way. But the heroic past of the network of currency exchange points left too strong scars on corporate code. Nevertheless, Binbank was attached to MDMU, as the press service proudly reported in November 2016.

"We laid the foundation for the establishment of a bank of international level, innovative and high-tech," declared then Mikail Shishkhanov. - Next year, we will continue the integration and technological improvement of the combined bank, after which we will be ready for new merger and acquisition transactions. "

In fact, next year, the banker issued a preferential loan for a long time at the Central Bank.

In manual mode

Subsequently, Mikayl Shishhanov's attempt to get a preferential loan from the canonical history of the rescue of Binbank somewhere was killed. At her place, an ideologically despicable version appeared on how " following the analysis of the problems of the bank, his main owner Mikail Shishkhanov appealed to the Central Bank asking for a retention».

The reality, apparently, turned out to be such that the Bank of Russia simply did not agree to "give money." It seems that the Central Bank demanded from the owners of Binbank transfer to the balance of the banking group of real assets. In other words, the regulators did not suit the status of pledges. Here very well understood the entire conventionality of this concept in the Russian legal field. Deputy chairman of the Central Bank Vasily Pozdyshev Personally oversaw the process of re-issuing companies in various forms in the BIN banking group, which proudly reported in his interview. The task of preserving these assets, he decided in manual mode.

« Both controlling persons, first of all, Mikail Shishkhanov and Mikael Gutseriev are present at meetings in the Central Bank"," Said Pozdyshev. Thus, the regulator simply took business owners under their control and custody (at the same time), eliminating the unfavorable scenarios for themselves.

In the former days of bankers, they simply put on the bars, which facilitated the dialogue with them, or they had time to leave to London, where these negotiations were already on their own terms. But both scenarios threatened with the collapse of not only the business of Binbank Group, but also the entire banking system. In turn, they perfectly understood both Bina's owners themselves. Being in a bank, they could control the flow of funds and prevent their side care. Previously, financiers probably would have to be hidden and negotiated through intermediaries with lawyers from the DC, which would gently derive assets through the procedure of managed bankruptcy. Actually, in this, by and large, most likely a new rebank sanation mechanism was concluded. But the whole scheme managed to realize not thanks to the personal value of Shishhanov and Gutseriev, but most likely because they allowed them to keep their business for the promise not to play the cat-mouse with the bank of Russia.

What is the essence of such a business, it is easier to understand if you submit it to create in the form of consecutive steps - a kind of roadmap. Collect the assets received from different owners in different ways in one group, you allocate treasury functions into a single settlement center, you turn this center into a full-fledged bank, we will spin the balance of this bank by attracting third-party clients. Thus, your personal interests in real assets turn into the obligations of the entire credit system. And, in the case of a crisis situation, you can always count on generous assistance from the state and monetary authorities. This is the oligarchy with which, as it is believed, has long been finished.

Judging by the newspaper panelists, the owners of Binbank could feel that the threat passed. And on freedom, and assets in place, and the abroad is not necessary. It remains to get rid of the guardianship of the Bank of Russia, and it is possible to continue the implementation of global plans. Creating new circles of banking hell.

For more than two decades, the biography of Mikaila Shishkhanova is inextricably linked with financial activities, and more specifically - with Binbank. Related links played an important role in the life and career of the billionaire. However, this hardworking, who constantly strives for new tops a businessman most success has achieved himself. Mikayl Osmanovich did not spoil the big money. He knows how good optimist, always ready to come to help with advice and affair.

Mikael is one of the supreme angels representing the nearest environment of Allah. This name chose a mother for his child, when on August 6, 1972 in the Ingush family living in Grozny, a boy was born.

Not much is known about the early years of banking magnate. They accounted for difficult times of Chechen-Ingush conflicts, which often ended bloodshed. And yet the troubles of the wars were passed by Michael.

In childhood, like most of his peers, he painted their future in simple colors. His dream was medicine, the path in which he began to exercise after graduation. However, having settled in the "ambulance" with a nurse and hoping on several operations, the young man realized that the doctor was not his path, and help people can be in other ways. From now on, Mikail Osmanovich's life is closely intertwined with his uncle - Mikhail Gutseriev.

Education


It seems that an influential relative is unmistakably defined in Mikaile the financier's deposits and helped the young man in the prestigious Russian Peoples Friendship University. Patrice Lumumba. Here, for five years, Mikail has compiled the Aza of the economy and law.

During the educational process, Mikail Shishkhanov, the received knowledge of Mikail Shishkhanov, was honored in the practice provided by the Uncle, by that time by the bank. In 1993, the newly baked bachelor left the Alma Mater walls to return here, but he was already responsible for the title of Master, which he received in 1995.

After 3 years later, Mikael Osmanovich successfully defends the dissertation and becomes a candidate of law, and in 2000 his piggy bank of the banker is replenished with a diploma on the end of the Financial Academy under the Government of the Russian Federation.

In 2002, Mikael Shishkhanov becomes a doctor of economic sciences and from that time is a member of the Rena Correspondent.

Career and Business Mikaila Shishhanova

Shishkhanov began his promotion to the tops of the Financial Business of Shishkhanov, when he studied at the university. He received the first practical experience in the biography for the position of an ordinary financier serving in Bin LLP, founded by Mikhail Gutseriev.

After graduating from the university, the career of a young specialist rapidly flew up. In many ways he was helped by Uncle, to whom Mikael could always seek advice, but the rest of the future oligarch relied on his knowledge and addiction to his beloved business.

Since 1993, Shishkhanov began to head "Industrial and Financial Company BIN", and after a year before the financier opened a position in the cherished bank BIN.

Before becoming the vice-president of this organization, Mikael Osmanovich managed to visit the head of the Office for the Organization of Interbank Ties, and also replaced the head of the board.

In 1996, Mikael Shishkhanov reached the top of the career ladder, becoming president and heading the Binbank board, where he was destined to stay until 2017. In parallel with the main work in 2015, Shishkhanov took over the post of chairman of the Board of MDM Bank.

As an experienced banker and a specialist in financial transactions, Shishkhanov actively missed the shares of the most profitable organizations. Thus, he became a co-owner of the Development Development Company, which controls the Moscow Hotel. His companions in this matter were Arkady Rottenberg and Suleiman Kerimov.


In addition, from the successful and profitable acquisitions of Mikaila Shishhanov, the assets of non-state pension funds "European", "Trust" and "Regionfond" can be considered. Here, Michael Osmanovich's companions became Said and Sai Sayam Gutseriev.

In 2016, Binbank and Binbank Murmansk were joined under the MDM Bank license. The United Financial Organization received the name Binbank. Her president and chapter of government again became Mikail Shishkhanov.

In the late spring of 2017, Binbank's official sources have posted information regarding Mikayl Shishhanov's care from the position. This was due to the fact that the banker goes to work in the industrial and financial group "Safar", where he was granted the position of Deputy Board of Directors. It was also reported that in the new post it will be headed by the financial and foreign economic activity of the organization.

The new responsibilities of Shishhanov should have increased partnerships with European, Arab and Asian funds. Under the curacing of Mikaila Osmanovich feared subsidiaries:

  • "M Video";
  • "Technosila";
  • "El Dorado";
  • "EUROPEN".

In addition, the businessman had to control the insurance business submitted by VSK and IT technology.

In September 2017, it was announced that by the decision of the Board of Directors of Binbank, Michael Shishkhanov was again elected chairman of this financial organization.

But according to the data for December 2017, the activities of the Bank's management bodies were suspended.

The state of Michael Shishkhanova

Mikail Shishkhanov began his welfare to multiply still as a student and by now time consistently enters 200 richest people in Russia. Its main capital is contained in Binbank shares, where the oligarch belongs to the control packet exceeding 60%. In addition, the banker owns 15% of the shares of the oil and gas holding "Nefthis", 15% of the Eldorado trading network and practically fully controls the Development Company Inteko.


The dynamics of the status of a banker according to the version of Forbes (G. - $, billion / place in the Russian ranking):

  • 2012 – 0,55/179;
  • 2013 – 0,75/142;
  • 2014 – 0,7/155;
  • 2015 – 0,65/139;
  • 2016 – 1,6/46;
  • 2017 – 2,3/44.

Private life Michael Shishhanova

Mikael Shishhatanov is not only an excellent financier, but also a happy family man.

The billionaire is married to Odessans Svetlana. This amazing woman gave her husband to three daughters and son. Due to the big workload of Mikaila, the main care of the children lay on her shoulders. And now, becoming a businesswoman, she copes with it perfectly. Drinking by fashion, Svetlana opened his work and is now actively engaged in the showroom.



Schishhanova's wife is an excellent owner, and the kitchen is its weakness. Considering itself by a specialist of Ukrainian dishes, she dreams of becoming closer to the Russians and today she has been working on a project to open the restaurant, where Ukrainian cuisine will be presented.

The older daughter of the banker, who crossed the twentieth age, is Nicole's name. The girl gets education in the UK, at the BENENDEN school. The leader of the billionaire sees its future in marketing and confidently goes to achieving the goal. An example of this is a recent practice traveled in the United States.

From hobbies, Nicole Shishhanova prefers diving. It can often be seen at secular parties, as a rule, accompanied by Michael Osmanovich or other family members. At the same time, Nicole is very modest and is not in a hurry to find a couple, because the ideal of a man sees in his father.

According to Mikael Osmanovich, he relates to the main disadvantages of its shortcomings, which he pays his family, and the reason for this is a surrender job.

At the same time, about his close oligarch responds with incredible warmth and does everything so that they are all secured.

As a professional, a billionaire is part of the Moscow Banking Union, where it takes the most active part. In 2008, Mikail Shishkhanov was recognized as the best banker of the year, and in 2009 he was awarded the highest award of the Association of Russian Banks. In 2015, Michael Osmanovich was awarded two honorary titles at once - "Charisma in Business" and "Business Name".

The activities and merits of Schishhanov in front of the state were marked by the Golden Star "for the loyalty of Russia", and the Congress of Russian Mothers presented Mikaila Osmanovich Metzenate.

The advantages of the oligarch should include literary talent. Mikael Shishkhanov wrote several books and many articles, as well as two monographs on economic and legal topics.

The main hobbies in the biography of Michael Shishhanov refers boxing to which he is engaged long. From the calmer Hobbies, the banker gives preference to chess. In his spare time, which falls infrequently, the businessman loves to read or view the next intellectual transmission. It should be noted that his "Binbank" sponsored for some time the famous program "What? Where? When?".

Mikail Shishkhanov today

After the rejection of Binbank, Mikail Shishkhanov moved away from banking and in the last data switched to the agricultural sector. At the beginning of the summer of 2018, the former banker acquired the largest agroholding of a healthy farm in Russia, which specializes in bird, pork, as well as products and semi-finished products based on them.

From this article, you will learn about a person who became famous for any talents, but what is very rich - about Michael Shishkhanov. It is considered a very wealthy businessman, and is also the President of Binbank.

Biography Mikayil Shishkhanova

In 1972, on August 6, Mikael was born in the city of Grozny, in his native country - in Chechnya. Called his mother. She believed that Michael was the most important angel with Allah.

From early childhood, Mikail could not even think that he would become a rich man. His dream was, as in many children, to become a doctor, to bring this benefit to society. Even a certain time, he worked in ambulance with a nurse. But very soon Shishkhanov began to understand that this is not what you need to strive for.

He loved to wear jackets, ties - he really liked a strict style. And soon he came to the conclusion that banking is what he would like to do. Just at that time, in all the plans, Michael Shishhanov supported his native uncle, which instilled confidence in the young man and, perhaps, contributed to his career lifting.

Carier start

Shishkhanov Mikael Osmanovich was a very purposeful young man. Therefore, he still decided to engage in labor activities during training. In 1992 he went to work in BIN. There he was a commercial director. But for achieving it can not be considered, because his uncle is the founder of this company. After some time, it was raised, and Mikail became the general director.

From 1994 to 1995, Michael Shishkhanov was the vice-president of the bin. And in early 1996, he became President of JSC Binbank, also headed the Board of Shareholders. In mid-2015, he became Chairman of the Board of MDM Bank.

But despite the fact that his work was prestigious, he still continued his studies. In 1995 he graduated from the University of Friendship of Peoples. - Department of Economics. After a few years, he became a candidate of law.

After the achieved Mikail still continued to self-induce. So, in 2000 he was educated in and in 2002 he became a doctor of economic sciences.

Nationality of Michael Shishkhanova

Judging by his name, you can say for sure that by nationality he is not Russian. In essence, Shishkhanov Mikael Osmanovich is a Chechen, and if specifically, then the Ingush. People with this nationality are very assertive in their nature, also very sensitive and attentive. This is not a fact, but maybe Mikail achieved such success for this reason.

Personal life Mikaila

If we talk about the personal life of our hero, then here he has a utter idyll. Mikayil Osmanovich Shishkhanova Svetlana's wife and four children. One son and three daughters.

The most eldest daughter, Nicole, for 20 years, the girl is distinguished by its beauty and dedication. At the moment she is studying in England. She is interested in marketing, and there it passes the practice from the best marketers. In his free time, the girl is engaged in diving - this is her hobby. I am not marrying while she does not want, but knows exactly what its chosen one should be - very similar to her father, with the same ambitions and goals.

The girl is very well brought up, nevertheless, she does not refuse himself the pleasure of spending time at various parties. Once in 2016, Nicole, along with his parent and younger sister Angelina, was seen on the ball. Nicole loves to visit various events, so it was not the first and far from the last time. And Michael Shishhatan loves to accompany her at parties.

First of all, Mikail thinks of his family and children. He says they are his present and future. But he spends little with a family of time, as the business occupies almost all of his time.

Mikaila's wife

Svetlana is an exemplary wife and a great mother to four children. She is a very beautiful and decent woman. Loves to be in such cities as London, Los Angeles and Moscow.

Mikaila Shishhanova's wife owns the showroom. It follows from this that it is well versed in fashion, which is not surprising, because it is always irresistible in the pictures. He loves Ukrainian cuisine, as she herself from the city of Odessa. Noticing that Ukrainian dishes are not particularly popular in Russia, she decided to open her restaurant and show that it was preferred to eat in Odessa himself.

other hobbies

Mikael Shishhatanov wrote a lot of books on economics and jurisprudence, is the author of several monographs. Mikael loves active rest, and from various sports prefers boxing, which is engaged in a long time. Particularly brightly in this background contrasts the hobby of chess. To a relaxing time, he refers to reading books.

Some time ago, along with Binbank, he was a sponsor of the famous TV shows "What? Where? When?". In 2008, Michael Shishkhanov received the title of the best banker of the year. He also has such awards as the "Golden Star for Fundeware RF" and the Golden Diploma of the Metsenite from the Congress of Mothers of Russia.

The state of the banker at the end of last year amounted to a little more than 500 thousand dollars. And in the ranking of the richest businessmen, he takes 179 position. Shishkhanov himself considers himself an optimist capable of extracting much benefits from the unsuccessful project.

The first line in the ranking of the richest families of Russia is Clan Mikhail Gutserieva. Two brothers and their nephew Michael Shishkhanov during this time were able to increase their condition from $ 3.8 to almost $ 10 billion. And, the younger in the family last year was the dollar billionaire for the first time. To do this, he needed a quarter of a century, uncle tips, two higher education, the courage to take for any business, who had lost profits and the lack of political ambitions.

Gift for ruble

The famous banker Mikail Shishkhanov today not only gives financial and economic forecasts on the pages of leading Russian newspapers, but also surprises the activity of transactions in a variety of spheres. And despite the fact that in the field of activity of the dollar billionaire there are no longer only non-bank assets, and not many are ready to risk at the world of economic fall. True, the businessman has his reliable framework - Binbank, from which everything began. And for him he remains his beloved brainchild.

Although he did not think about the career of the banker, he did not think at all: from the early years, the White Bathrobe, even worked as a nurse. But when it turned out to be in the operating room, I realized that it was not for him. Fate made him other operations and a completely different sense.

By this time, the Soviet planned economy collapsed under the onslaught of market reforms, enormous prospects for enterprising people were opened. It was necessary to have time to find a deal that would open new opportunities for growth. In 1988, his uncle Mikhail Gutseriev is one of the first to create a private bank and a joint enterprise with the Italians for the production of furniture at the then Chechen-Ingush ASSR. From this time, the clan begins to the heights of success.

"My uncle, Mikhail Gutseriev, the founder of Binbank, and was my first teacher in business, I can always count on his support," says Shishkhanov in an interview.

Licheful 90s became a turning point for the country called the USSR and in the Small Motherland, Gutseriev was not calm. In 1992, he moved to Moscow and founded the financial and industrial company BIN (Bank investment and innovation). The commercial director entrusted to become a 20-year-old student of the Faculty of Economics of the University of Friendship of Peoples Mikaila Shishkhanov. A year later, he undergoes a bachelor to increase - receives the position of general director of the newly minted PFC "BIN" (AOZT).

Since then, he is rapidly moving up, time to continue learning in the magistracy and build a business. The new 1996, he will meet already in the chair of the President Binbank and will lead the board.

In the "Business Quarter" in 2014, an interview will be released, where the successful banker Shishkhanov will tell about how in the 90s each private bank belonged to someone's large businessman. Remember that in 1993, payments were held for months, and any profit from serious business has seen a course difference. He went along with the banking system the stages of formation and learned to survive.

Today Binbank is included in the best thirty. The number of offices exceeded five hundred, by the amount of deposits of individuals, he went to the eighth place and on the twelfth in terms of assets. And they were 741.3 billion rubles as July 1, 2016. Due to the fact that "MDM Bank" will join "Binbank" this figure will grow to more than a trillion rubles.

Survive the crisis of 1998 "Binbank" helped gold. Difficult for the country and business time to survive helped a successful attachment to the bars, so that the storage was scored to failure. For liquidity, they were enough.

It was after this crisis that Uncle Mikhail Gutseriev appreciated the business grip of his nephew and commanded him to own the bank, selling his brainchild ... for one ruble. He did not hide that it was the nominal sale of a "native child in reliable hands."

The name for Shishkhanova became 1998 for another reason: he

he defended his candidate, discontinuing the interaction between the country's main bank and commercial financial structures.

Despite difficult times, he continued to combine business with education. At the junction of the centuries, he ends the financial academy and after a couple of years he defends his doctoral dissertation.

"My uncle of the most honest rules ..."

It was difficult to imagine that his dear uncle would pass on with politics and even more fantastic turned out to be the path for which she would lead him.

Mikhail Gutseriev did not refuse himself a pleasure to actively spend some time in the State Duma of the Russian Federation by a deputy from LDPR and not simple, and vice-speaker. Political activity in those times attracted as moths on the light of not one Gutseriev, who also failed to avoid the fate of the "Opt oligarchs". He converted political weight to the state position: Gutseriev did not refuse the tempting offer to lead the oil state-owned company "Slavneft".

Although he managed only two years, but achieved good success, increasing production by 20 percent. It was not the main task. By 2000 he had to prepare a company for privatization. Those who wish to redeem the appetizing asset almost ran into him on many small pieces: the war of compromates, the mask show was everything that was accompanied by the privatization of a large bunch in those times. The President of "Slavneft" Gutseriev resisted, but he still had to leave. And this time for the clan will be another turning: the subbels on the oil needle of Gutseriev can no longer imagine a different life.

In the fall of 2002, he will create its own company "RussNeft" with the only enterprise "Varieganneft". Later, several small oil-producing assets were purchased. Oil money was not once saved Binbank.

For example, in 2004 there was a rather difficult situation with the introduction of insurance deposits, when a solid amount of money was gone from the bank in a short time. Mikael Shishkhanov admits that it was then that really understood how important the family support is. He himself in an interview with RBC talked about this time: as he came to Gutseriev and asked money. They appeared on the same day, because they had oilmen. The principle of the clan is to use financial opportunities inside the group - worked.

For the year, the oil company acquired a number of extractive enterprises and the processing plant. But the business was hit, where did not wait. In 2007, Gutseriev is accused of non-payment of taxes, scams and declare federal wanted list. It sells a petroleum piece for $ 3mlder and emigrate.

Maybe these events caused not very successful solutions. He calls a mistake to invest in the most expensive information technology that will not benefit the business. But the most unexpected decision to sell his stake in Binbank (99 percent of shares).

Newspapers wrote that the story with Gutseriev did not affect the liquidity of the asset, Shishkhanov, allegedly, decided to engage in construction and real estate: he has several interesting projects. But soon again gave the reason to talk about herself.

After many years, he told reporters about it his impulse, as received a billion dollars, selling the bank, and was proud. At the age of 35, cravored money appeared, which went to buy cars, then they stopped wondering him and soon he returned to the bank.

At this very time, the financial system of the country is again experiencing a crisis. Banks experience unrest and oscillations, but Binbank seems to notice anything, it is not at all a storm, moreover, new offices open and the geography of presence is expanding. According to Michael Shishhanov, there was no year in his practice so that new markets were not mastered.

While uncle was in temporary emigration, the nephew understood another thing: the current banking model is to attract financial resources and credit large corporate clients - outdated. And it takes another important decision for myself: leave the chair of the president and go on a journey. He visited many countries, studied the experience of colleagues, estimated all sorts of models and solved on what path to move further.

In the spring of 2010, the "thaw" came to Gutseriev: all charges were removed from him, and he decides to return to his homeland. In his comments in this case, he said that he did not know the causes of favor. Three years later, London Links, he creates a company inserted into the largest rating. But first redeems his "RussNeft".

By 2015, mining amounted to more than seven million tons of oil, profit - more than a hundred billion rubles.

The family has 54% of the shares, 15% of which belong to Mikaila Shishkhanov.

Oil piece is the main dish of the family asset of the BINE FPK. It has been created a quarter of a century ago, but works under a different name: "Safar". In addition to RussNeft in the Office there are "Neftis", "Russian coal", "Slavokalia". The total weight of this portfolio is almost 20 million tons of oil and three billion cubic meters of gas. Geography - fifty enterprises in many regions of the country and the CIS. In its management, large assets in such directions as office real estate, hotels, warehouses.

Business scratching like yeast is a financial and industrial conglomerate. Mikail Shishhatanov in it is responsible for Binbank, Bin Insurance Insurance, the Leasing Company "Eurolan", five pension funds and impressive real estate squares.

With journalists, he shared the secret business secrets, a close relationship not only due to kinship, but also shares in various companies. In its interests - Real Estate Management.

Family "pot" boils without tired. Business circles are wondering: where does such a zeal, and most importantly money, because, how tricks of businessmen's competitors, for more than 10 years the clan has been acquiring assets for $ 1 billion annually. This year, the PAS is already being a petition for the purchase of M.Video.

New projects are not overloaded yet, intent to say goodbye to Binbank from Mikaila Shishkhanov. In particular, in his interview in the media, he said that if it becomes a brake for development, it will be not easy for himself. While he feels his need and sees optimistic perspectives.

The main projects of Michael Shishhanov are concentrated:

  • in the financial sector - Binbank, "Bashinvestbank", PFC "Bean" and
  • in construction - Decamos, Inteko, Patriot.

Nothing personal

President and Chairman of the Board of PJSC BINBANK - Public person. He is ready to talk about business and economics, markets and loans and has repeatedly noted that all bank specialists are ready to answer any questions relating to work. I assures that his mobile phone "has half of journalists writing about finance." But his personal life holds for family seals. It admits that the work eats all his time.

He says that dreams of growing children so that loved ones were healthy. In the Caucasus, where he grew up, the families are strong. Shishkhanov - a large father. He raises three daughters and son. Nicole - almost 20 years old, she adores balls and recently can be seen at the Tatler's secular party.

On the website of the event about Nicole Shishkhanovoy write that she was educated in England, going to comprehend marketing, but already in America, he passed the practice of marketers of the Father's Bank. The mother's advice listens, because "she knows how to change images." The girl is fond of diving, and the husband must combine such features of the character of their father as mind, courage and kindness. Good, raised girl.

Last year, Mikail Shishkhanov, together with his wife Svetlana, her daughter Nicole and younger Angeline appeared on the ball. But it was, it seems, the only time.

But Svetlana Shishhanova in the secular chronicle is a frequent guest: reporters call it an optimistic Odessans, a caring large mother. It is often in Los Angeles, London and Moscow. Piece photographers filmed her at the opening of the Boutique "Chanel", on the "Nude Hearts" ball in Barvikha and other events.

The businesswoman is passionate about the fashion industry, owns the showroom, which sells European brands of children's clothing and thinks to develop other similar directions. Svetlana was born in Odessa, according to her, she really likes this kitchen, which is so lacking in the capital, so she opened a restaurant with a partner from among relatives. She is enough for everything: her main care is home and children, relatives and friends.

Her motto, to which she always follows: "Go ahead and disagree nothing." Her husband, which in 2016 with a state of $ 1.6 billion and the 46th place in the Russian ranking of Forbes magazine, could say exactly.