Roman Avdeev: successful businessman and father of many children. Roman Avdeev Billionaire Roman Avdeev

What should be the life of a billionaire? The imagination vividly draws the landscapes of the Californian hills, a snow-white yacht off the coast of Nice, the interiors of Michelin-starred restaurants, the leather interior of a private jet. But the life of Roman Avdeev turned out to be different ... With a fortune of $ 1.4 billion, instead of buying another football club, he won 19 court cases in order to ... become a foster father to 19 kids.

short biography

Roman Ivanovich Avdeev was born on July 17, 1967. The future oligarch grew up in Odintsovo. Graduated here high school- ordinary, general education. Now it is MBOU Odintsovo secondary school No. 3.

The businessman studied so-so. As he himself recalls, in fits and starts - he was interrupted from threes to fours. But, according to teachers, he was always distinguished by perseverance. If he set a goal, he went ahead to it, despite the obstacles.

After school he entered the Moscow Power Engineering Institute. Later he graduated from 2 more universities: Moscow International University of Business and information technologies and Lipetsk State Technical University(specialty - "Industrial and civil construction").

How one person combined craving for business (humanitarian profile) and love for various technical disciplines(for example, "sopromat") - remains a mystery.

Not only did the businessman study at a regular school and not the most prestigious universities, so he also managed to serve in the army, where he was called up immediately after the second year of MPEI. Who would have thought that this ordinary-looking young man would enter the Forbes list and become one of the richest people in the country?

Becoming in business

However, back in 1989, Avdeev founded the first cooperative. Then he was engaged in spare parts for imported TVs - then it was bad with electronics, with components - even worse. This is how it was earned start-up capital". Later there was a major contract with the Ukrainian Electronmash. But with the collapse of the Union, the future banker quickly realized that it was more profitable to sell currency than a physical product - this is how the Moscow Credit Bank appeared. It all started with the purchase of a license and a staff of 14 people. But Roman Ivanovich clearly pulled out " happy ticket”- later MKB will enter the “ten” largest banks in the country.

In addition to the banking sector, the oligarch mastered construction and housing and communal services - this is where it came in handy technical education. Having redeemed Mikhail Prokhorov's Ingrid, Avdeev actively plunged into real estate.

There were also experiments in the agricultural field. To this day, the banker owns part of the assets of Agronov-L, a small (nationwide) land bank. Prior to that, the agricultural holding "Chernozemye" was successfully sold.

However, the billionaire spends money in a very peculiar way. For example, in 2017, he presented his native school with a modern classroom for experiments and experiments, equipped with last word technology. Founded by him charitable foundation"The Arithmetic of Good". With the money of a businessman, they literally “raised from their knees” the Moscow football club"Torpedo".

But he never owned a yacht. According to the oligarch, he is not going to buy it. Instead, he pays for teachers, nannies and doctors for foster children - he has 19 of them. And this is not counting 4 of his own.

The personal life of the oligarch

Roman Ivanovich has been married twice. The first wife, unfortunately, died. It was with her that he decided to adopt adopted children. And not one or two.

It didn't happen right away. First was regular help orphanages. Buy things, make repairs. But, as Roman Ivanovich admits, over time, an understanding of the global futility of this undertaking came. Yes, something has definitely changed. New windows were put in here, they changed there bed sheets. But on a national scale, the system cannot be changed in this way. And is it really necessary for children?

I didn’t want to help for the “tick”, for the inspectors. And children most of all dream of living in a family. Therefore, as the businessman says, if you want to do something for a child, do it. That's how they started adopting...

As the businessman himself put it in an interview, the second wife “took” him already with a “convoy” - together with her oligarch husband, she got 12 adopted children. But the Avdeevs did not stop there. Currently, the family is raising 23 children - 19 adopted and 4 relatives.

Children are the most important thing in life

In his blog, Roman Avdeev once stated that he would not leave an inheritance to his children. According to the entrepreneur, the task of parents is to give children the opportunity to choose their own path, to do what they love. Everything else they have to achieve themselves. By the way, Bill Gates also did, who bequeathed his entire fortune to a charitable foundation.

Roman Ivanovich admits that he plays the role of Baba Yaga in the family. Serious heart-to-heart talks and punishments are exclusively his prerogative.

The guys are not particularly pampered. Even the first car, according to Avdeev, should not be more expensive than 400 thousand rubles. Although he buys it for the children at his own expense. Of course, this is not about greed. It is necessary to instill in children the ability to achieve their goals, to rely only on themselves. As the businessman says, "a person should be a fighter in life, and not just go with the flow." Children need to be taught the value of hard work. After all, the oligarch himself, after the army, worked as a cleaner - he had to somehow feed his family.

By the way, the native and adopted children of Roman Ivanovich Avdeev are all studying in the same general education school No. 3 Odintsovo. Although education father of many children spares no money. The best teachers, both Russians and foreigners, have been working with each child since childhood - children learn 2 foreign languages ​​at once. Just an ordinary school - a way to socialize kids. A kind of "shock therapy" - an excellent preparation for independent living.

How does Avdeev find free time for children?

Sports, a swimming pool, trips to the mountains for holidays - you just wonder how businessman Roman Avdeev manages to devote so much time to his family. On this topic, Avdeev himself once spoke best of all: “You don’t need to devote a lot of time to children, you need to devote it on time.”

The businessman believes that the most important period in a child's life is from 1 to 3 years. Therefore, the Avdeevs are trying to take refuseniks precisely at this age.

Of course, it will not be possible to help everyone - in 2017, according to official statistics alone, there are more than 800,000 orphans in Russia. But Roman Ivanovich sincerely hopes that someday every child will live in a family.

Moscow Credit Bank Roman Ivanovich Avdeev

Founded in 1992. It was originally small Joint-Stock Company with a modest office and a staff of 14 people. In 1994, the composition of the founders was expanded. It was then that Roman Ivanovich Avdeev entered it. In 1995, the legal form was changed to a limited liability company. At the same time, the bank entered the 100 largest financial and credit companies in the country.

Since 2017, MCB has been among the ten largest banks in the country, and on September 13, the Central Bank included it in the list of 11 largest credit institutions systemically important for the country's economy.

Football club "Torpedo"

The interests of an entrepreneur are not limited to business. With his busyness, Roman Ivanovich manages to find time for public affairs. So, Avdeev could not remain indifferent to the fate of the Moscow "Torpedo".

When I found out that the club was not playing at its home stadium, I decided to buy it. Moreover, according to Avdeev himself, the goal was precisely to preserve the club and its traditions, and not to make a profit. By the way, "Torpedo" went to an entrepreneur with a debt of almost a billion rubles. Roman Ivanovich promised that all debts would be repaid.

It's hardly charity. Yes, the football club has received a new stadium where fans can enjoy the game of their favorite team. But somehow behind the scenes in this story remains the project of residential and commercial development of the adjacent territory approved by the mayor's office of the capital. The success of "Torpedo" is a good advertisement for the sale of apartments in the area.

Charitable Foundation "Arithmetic of Good"

But "Arithmetic of Good" is another matter. Roman Ivanovich founded this charitable foundation to help sick children. It happens that an expensive operation or treatment is urgently needed. And the officials just shrug. This is where Avdeev comes to the rescue with his millions.

conclusions

The example of Roman Ivanovich shows that everyone can achieve success in life. You don’t need to have influential relatives, start-up capital, etc. for this. Of course, it’s good if there are some “levers” that can multiply the efforts made. But the bottom line is that these efforts should definitely be made. For example, Avdeev gets up at 5 am. He drives to the capital, goes to the gym or does yoga, when “normal people” just open their eyes. At the same time, he does not go to bed before midnight. And so for the last 3 decades.

Now Roman Avdeev is on the Forbes list. But it was not easy for him. Everyone wants to live well. But for those who only dream of material goods never have enough motivation to go all the way to the end. The problem is that they already want to dine in the best restaurants, drive expensive cars, and relax in the best resorts.

But Roman Avdeev for years denied himself the necessary, worked as a cleaner and security guard - he fed the business. There is nothing surprising in the fact that now the business has grown and feeds it. The truth is that for most, the price to pay to become truly rich and successful is too high. It takes too much effort, nerves and self-denial to earn that kind of money from scratch.

Many people think that money is evil. A rich person must be greedy. No wonder it is so popular among children and adults collective image old Scrooge.

Roman Ivanovich is a living example of a billionaire who does not put money at the forefront. It is more important to be inwardly in agreement with yourself. And when you feel like you need to help, help. It is important that Roman Ivanovich found himself, found his destiny, is engaged in a business that he sincerely loves. And villas, cars, yachts and private jets are all coming.

Banker Roman Avdeev- a famous person and among businessmen, and ... among adoptive parents. 45-year-old owner of Moskovsky credit bank"- the father of 23 children: 4 native and 19 adopted. How and how does such big family?

Roman, how it all started - what was that impulse?

The question is very simple. I tried to help orphanages - it's completely useless. Not because they are bad with children, and not because there are some bad teachers, people are evil - on the contrary, there are many fans of their work. It's just that the format itself is such that it does not teach children to live independently after the orphanage, children do not socialize. Accordingly, I asked myself the question: “How else can you move in this direction?”. And 10 years ago I started to adopt.

How do you know which child is yours?

If there is a willingness to accept a child, then we do not choose anyone. We have a principle: we adopt very small, babies. After all, everything in a child, in principle, is laid up to 3 years. And even more, which we do not see and do not realize, is laid up to a year - here the conditions for development, attention, care are very important. We are just for small child the more we can do, the more we can do. I often communicate with those who want to adopt. Sometimes they say: “We want to be older, otherwise we don’t have the strength to have a baby.” But here you need to decide: do you want to take the child into the family - or do not want to. If so, then this is some kind of strange approach - there are no forces.

Yes, it takes a lot of strength. Roman, are you discussing with your family the decision to adopt another child?

It can't be just my decision. I believe that the support of the family - spouse, wife - is the main thing here. Otherwise, it's completely pointless. I am glad that my wife Elena supported me. But she was internally ready: when we got married, I already had 12 adopted children. He began the adoption process with his wife, who is now dead.

There is also such a situation: a woman wants to adopt a child, considers it, but a man is against it.

So you don't need to do this. You need to be prepared: if both spouses have no desire to accept this child, then it is not necessary. Here keyword- accept.

And theoretically, you can somehow prepare a man, win him over to your side?

Theoretically, everything is possible. Edison said that it is theoretically possible to take a person, disassemble him into molecules, transfer him by wire, and on the other hand, assemble him - in general, this does not contradict any physical laws. This is a difficult question, a very difficult one. A person must reach the decision on adoption himself. So purposefully take, prepare, go to a psychologist - in my opinion, this does not work. This does not mean at all that people who are not ready to adopt are bad. No, everyone has their own life. I am not encouraging anyone to adopt.

And if we are talking about a childless couple, when does the appearance of a child in a family become a matter of principle for a woman?

What kind of a family is this where people cannot agree on key issues? Family is constant agreements, respect, ability to hear each other.

When you just started to adopt, there was a misunderstanding: why do you need so much?

Of course they did. They still write to me, say, on the site: “Yes, everything is clear, this is how he avoids taxes.” They write a lot. I am completely calm about this: they don’t understand - and that’s fine.

What about relatives?

My parents support me. To be honest, I did not particularly discuss this: I did not gather all the relatives - here, advise how best to do it. It's still a family decision. I discussed this with my parents after we all decided with my wife. They are scared, of course, they express various concerns - but they support.

What kind of fears?

Well, we are all mortal ... They are afraid that they will not have enough strength, that it will be difficult to raise children if I am gone - and they are still small. Such completely worldly fears. Once again, this is a question of acceptance. If you are ready to accept a child, then any other fears - the notorious genetics or something else - are not important. I soberly look at things, anything can happen - and with your own child too. But if this is your child, you adopted him - and these are all my children - then everything becomes easier. The only thing that can be implied by the word "genetics" is physical diseases, including hereditary ones. Everything else can be handled by upbringing. I deeply believe in this. And most importantly, I see the example of our family.

The adult generation of the family - and children. From left to right: wife's mother Tamara Stepanovna, Roman Avdeev. In the center - from left to right: wife of Roman Avdeeva Elena, father - Ivan Isakovich, mother - Galina Borisovna.

But, on the other hand, wonderful people also have their own monster children...

Need to educate. And often education is replaced by corruption - people simply pay off their children. The child needs to devote not much time, but when necessary. And you need to support it - exactly when you need it. And very often parents buy expensive toys instead of talking. For example, I was forced to buy an iPhone for my children - because everyone in the class has one! I don’t understand why parents - often not very wealthy - buy this? I resist this in every possible way. There was an experience of going to one paid school, “scratching” began there: “What a brilliant child you have”, “We have delicious food” - but not a word about education. Everything is somehow not being discussed, not doing that. This is a tragedy for families - you need to take care of your child, you need to love children.

But when do you have time? To deal with so many children, to delve into their problems?

Once again, it's not the amount of time that matters, but the quality. Very often I hear - now, I have a small child, I need to run to bathe him, because he remembers that his dad is bathing him, and this is imprinted in his memory for life. This is complete nonsense. The child needs to be given time when it is needed. And is in partnership with him. No, of course, you need to communicate with the baby. Another thing is that with him we do not enter into adult communication, conversational. It is very important that the presence in the life of a child is not for show, but that it is high-quality communication.

Do you all get together, do you have any family traditions?

We live outside the city cottage village. There large territory, it has 3 houses. Each child has their own room. We often meet at the table on weekends. But there is no such special tradition: everyone has their own affairs, their own interests, everyone has their own mandatory program. In winter we go skiing to France. More often it turns out for several people: so that everything, everything together, has not happened for a long time. If speak about family traditions, then I am sure that freedom is an absolute good. And the imposition of tradition, no matter how beautiful they may be, is an absolute evil. Everything should be organic. Everyone should receive from the family, life together bliss.

Three adult children live separately, do you also have time to communicate with them?

Yes, with all quite normal relations. The eldest is 23 years old, I am already a grandfather.

And on holidays all the kids give gifts?

Yes, they do all the crafts, draw. But it's no secret, of course, that everything is organized by mom and nanny. And on my mother's birthday - me and the nanny (laughs).

How do you celebrate children's birthdays?

We just get together, congratulate, hand out gifts. The birthday boy gives his gifts. But we don’t make a fetish out of anything, we don’t create a problem out of anything. So, to celebrate every birthday on purpose, with invited clowns or a big trip somewhere - there is no such thing. So you have to celebrate every week - and the holiday will turn into some kind of routine. We try to be sincere.

Do you go somewhere together in Moscow?

With our traffic jams - very rarely. If some groups only go to the cinema.

Schools, nannies and manny

Probably such big family complex logistics. How is everything organized?

Routine and discipline is important issue. Every child has their own schedule, although we certainly deviate from it often. This is both good and bad. There are classes that are required for everyone. For example, all my children are bilingual. Four English tutors - three women and a man - they just don't know how to do it any other way, they don't speak Russian. Probably not enough male influence but we don't have that tradition. And the British have: there is even a term - manny - man + nanny, that is, “male nanny”. Respectively, English language, swimming (we have a swimming pool at home, an instructor arrives), music. This is a must. additional education the key word, I think, is interest. Now they say that children are overworked, tired - this is not so. If the child is interested, he will go to bed later. Why are children their own enemies? So they like it. And, of course, the school kindergarten- all state.

Roman Avdeev with his wife Elena

You also have a real kindergarten at home! But do they still go?

We try to get children to communicate more outside. And in the fact that they go to kindergarten, the main idea is socialization. Yes, they communicate a lot with each other, but we suddenly encountered a problem that we did not even expect. They were taught that everyone around is brothers and sisters, toys should be shared. And the kids went to kindergarten - and began to bring toys from the garden. Well, this, by and large, is called "theft." They began to pay attention, specifically personalize - this is your toy, but this one is yours. They also had separate toys, of course, but they were used to the fact that everything in the house can be taken, everyone around is their own. "Where is the car from? - I took it from a boy in the group. - Does the boy know? - No". Children must learn the norms of behavior, for this we send them to kindergarten.

Sometimes wealthy people, on the contrary, try to separate their children from "ordinary" people, to limit communication. Does the idea of ​​"cultivating a breed" not close to you?

No, not close. For example, when we fly by plane, we always take economy class tickets. Or I was in England talking with the Lord, the most upperclass. Well, a completely social, completely simple person. In the summer, the whole family goes to the dacha in Lipetsk. They have never flown to the Maldives or the Bahamas with children. It seems to me that it is much better in Lipetsk - we have our own cows there. Good vacation- and everyone likes it. I consider it very important to cultivate respect for all people, no matter what. Of course we have a chef. But we teach children: "He cooks because you can't, he helps us - and you should be grateful to him." Address by name, patronymic, no familiarity. And we talk with the staff: if suddenly the children cross some boundaries, to be severely suppressed. There are no problems with nannies, but sometimes it happens with other employees.

Do children have household chores?

Certainly. The first duty is to clean your room. Our children are on self-service: the smallest ones learn to dress and undress, and then build up and build up. Everything that they can do for themselves, they do for themselves.

The last question: are today's children different from us?

Yes, I look at my children: they are different from me for the better. All. Because there are new opportunities, there are no such complexes that I had during my upbringing - after all, life does not stand still.

In the family of Roman Avdeev, 23 children are growing up, who are now from 7 to 17 years old, six of their own children, 17 are adopted. However, Roman Avdeev never separates his children. He accepts them, first of all, in his heart, and only then - in the family. He has financial opportunity provide good conditions children, but his attitude directly to education deserves sincere respect.

How it all began

Roman Avdeev was born in Odintsovo, for a long time lived with his family in a communal apartment. There were four of them in one room: grandmother, father and mother and Roman. In addition, relatives constantly came to them, friends came and at the same time everything was somehow fun, in a kind way. Although parents, for sure, had a very difficult time. But they knew how to create such an atmosphere in the house that everyone was comfortable, albeit in one small room.

Later, the family received another room, but relations always remained warm. Parents always tried to understand their son, even when he slammed the door as a teenager, and once he left home altogether, accusing his father and mother of not loving him. Probably, it was then, in childhood, that his own understanding of what a family should be was born.

Roman Avdeev even today has great respect for the opinion of Galina Borisovna and Ivan Isaakovich, who now live in a neighboring village and often come to his house on foot and without warning.

After school, Roman Ivanovich entered the Moscow Power Engineering Institute, served in the army, then went into business, he had his own cooperative for the production of decoders. Later acquired the Moscow Credit Bank.

Then he had already grown up two sons, who were born in his first marriage. And in 2002, he, already with his second wife, adopted twins Katya and Timur. Unfortunately, even then the businessman's wife knew that she had an oncological disease, but she hoped to defeat him. And even at that difficult time, she fully supported her husband's desire to accept children into the family.

Adopt a child

The desire to engage in adoption arose from Roman Avdeev far from spontaneously. For a long time he was involved in helping orphanages and came to the conclusion that it simply makes no sense.

The current wife of Roman Avdeev, Elena, does not just support her husband. She married him when the banker already had 12 children and he knew for sure: this was far from the limit.

He was often asked questions about why he should take on such a burden. Business requires attention, time and effort. The upbringing of children should not be left to chance. But Roman Avdeev knew exactly what he was doing and why. And he just can't help it. Raising children is the most important thing in his life.

He never chooses a child, he only tries to take a baby who will live in a family from a very early age. Sometimes he laughs: from time to time, children talk sadly about their difficult childhood, and they got into the Avdeev family at an age when they certainly did not consciously perceive the surrounding reality, that is, they were still babies.

simple happiness

On the site of Roman Avdeev there are as many as three houses. This is not a luxury, but a necessity, because each child should have his own personal space, his own room. The most amazing thing is that the whole family lives in a very special regime. There are no general ups and downs. The head of the family usually wakes up and leaves for work before everyone else, trying not to wake the household.

Children wake up all in their own mode. Schoolchildren study in three different schools, the most ordinary ones, where they are able to give a normal education. The kindergartens that the children attended were also the most ordinary, municipal ones. This was the principled position of Roman and his wife: no elite private establishments.

Roman Avdeev admits: he adopted the younger three children seven years ago. Until then it stopped. He knows that he could adopt many more babies, but then he himself would hardly have the strength to participate in everyone's life. Roman Avdeev believes that it is absolutely impossible to pay off children with money, gifts, fashionable gadgets and trips to the Maldives. It is important for a child to feel the love of parents, their attention and care. And in this sense, a small and a large family are exactly the same.

Even at the time when Roman Ivanovich was helping orphanages, he noticed: growing up, girls and boys turn out to be completely unadapted to life. They have no idea what personal property is, they don't know how to cook and do laundry.

Therefore, everything is different in his house. Yes, there is a cook, but on his days off the girls are happy to cook porridge and pasta, dumplings and sausages, they even make sweets that dad is simply not able to refuse.

In the family, in addition to the cook, there are seven people who help take the children to school, tell them how to write an essay or solve an equation. However, Roman Ivanovich tries to do mathematics with children himself. All children are required to learn English from an early age. Growing up, children get the opportunity to study abroad, but only during the holidays.

Roman Avdeev, despite all his busyness, always finds time for children. He does not try to put pressure on children, but he makes it clear that he makes the main decisions in the family only because he is older and more experienced. And also on the rights of what financially provides everyone. At the same time, the message is: become independent and make decisions.

He tries to educate children by his own example and never forgets that children need his love. Material things, of course, are very important, but much more important are cozy family evenings, a wooden stool made together with the sons, a joint trip to the country, gatherings by the fire, playing sports.

Roman Ivanovich Avdeev does not hide the fact that he will not leave a fortune to his children. It will help everyone get an education, get a job, buy a home and choose their own path. One thing is absolutely clear: Avdeev's children certainly will not become life-burners.

Today it is generally accepted that huge families with 10 or more children are a relic of the past. By the way, in our country there are not so few of them. Of course, a family with three children is now considered a large family, by old standards this is not much, but for most modern parents this is already a feat. In St. Petersburg, for example, according to statistics, only one percent of such brave men, but in Ingushetia - more than half.

The main assets of Roman Avdeev are concentrated:

• Finance (Moscow Credit Bank).

He also owns agricultural land in the Chernozem region, a hosiery factory, a woodworking plant, real estate and shares in construction markets.

State

Takes 102 place in the ranking of Russian-language Forbes versions « The richest businessmen Russia - 2011". Roman Avdeev's fortune is estimated at $950 million.

Biography

Born July 17, 1967 in Odintsovo, Moscow Region, Russia.

Education

After the tenth grade, he entered the department of automated control systems for thermal processes of the thermal power faculty. After completing his second year, he was drafted into the army.

1994 - graduated from the business course "Practical Banking Course" at the Moscow international university business and information technology.

1995 - Chairman of the Supervisory Board of the Moscow Credit Bank.

In the mid-1990s, Roman Avdeev acquired a controlling stake in the Lebedyansky sugar factory (Lipetsk region) and bought agricultural land around it. By the mid-2000s, the Chernozemye agro-industrial group was formed on their basis, producing 3% of domestic sugar. In 2005-2008 these assets were sold. Proceeds from the sale went towards the capitalization of Moscow Credit Bank, as well as the acquisition of other assets.

2005 - CEO concern "Rossium", which is its main investment unit.

2008 - began to develop the Sever-les group (Arkhangelsk), which includes 18 companies in the forestry and woodworking industries.

since 2008 - member of the Supervisory Board of the Moscow Credit Bank (in November 2008, Avdeev left the executive position of the Moscow Credit Bank, transferring the powers of the bank's chairman of the board to Alexander Nikolashin, but remained a member of its supervisory board.

Roman Avdeev about changes in the ICD

2010 - created a large development company "Domus-Finance". The main activity of the company is investing in various development projects, including the construction and sale of mass housing in Moscow and the Moscow region, the construction and operation of commercial real estate.

2014: Sale to Americans of the manufacturer of drugs "Veropharm"

In 2014, the American company Abbott gained control over Veropharm, having bought the company's shares for 16.7 billion rubles from Roman Avdeev's GardenHills company. Avdeev on the eve of the deal brought his stake in Veropharm to 98.3%. Apparently, it was this block of shares that was transferred to foreign buyers.

2016: Obtaining control in the OPIN developer of Mikhail Prokhorov

Hobbies

Prefers active rest. She practices yoga, running, rowing, cycling, skiing.

2009 - together with the polar explorer Mikhail Malakhov, he climbed Wilson's Peak - the most high point in Antarctica.

Interested in philosophy.

Convinced vegetarian.

Roman Avdeev, together with a partner, owns 6 hectares of land 1.5 km from the Moscow Ring Road along the Minsk highway, where the Stroy TVC construction market with 500 retail outlets is located.

In the Moscow region, Roman Avdeev is also a co-owner of a hosiery factory (Kupavna), in the construction of which he invested $20 million.

Maintains a blog in LiveJournal, which is relayed to others social media.

Family status

Married with a third marriage, has 20 children, natural and adopted.

“At first I just helped orphanages, but then I realized that this was a useless task. I adopt children under the age of one year. The adopter must be ready for any turns, including childhood illnesses in early age. I don't choose children. I accept any of them.

Children are given names at birth in the hospital, and we do not change them. But when there were more guys, there were several cases with the repetition of names. Then I gave new names according to Christmas time.

I don't remember all 20 children's birthdays. In my childhood, the celebration of a birthday was a long-awaited holiday, but for my children, the meaning of this holiday is somewhat devalued. But we celebrate all DR only personally.

All our children speak two languages ​​- Russian and English. They get to know two cultures at the same time. With such upbringing, they are not limited to the framework of one language. In addition, fluency in English has its utilitarian value for further development children in the future.

We have a teacher-curator who draws up a schedule of classes for children, which includes music, German, swimming, playing chess, trips to theaters and museums. My wife is in charge of recruiting staff, choosing a school and circles. Children school age, now there are three of them, they study at the same school, in Odintsovo. It's more convenient for everyone."

Sneakers were pleasantly springy on the paths of Sokolniki Park, it was a clear August morning. The phone call interrupted the workout. Banker Roman Avdeev interrupted his run and picked up the phone. "Did you see that?" - asked his friend. It was about a letter from Alfa Capital's sales manager, Sergei Gavrilov, excerpts from which were published by Vedomosti. In the letter, Gavrilov warned clients about problems in several large banks, urged them not to wait for their reorganization and transfer assets to more reliable banks. The list included Otkritie, Binbank, Promsvyazbank and Avdeev's Moscow Credit Bank.

Soon the banker was talking to the co-owner of Alfa Group, Peter Aven - he called to personally apologize for what had happened. And then Gavrilov’s prophecies began to come true: his letter was published in mid-August 2017, two weeks later the Central Bank sent Otkritie for reorganization, followed by Binbank and Promsvyazbank. MKB is the only one from the "Moscow banking ring" (as the banks began to be called from Gavrilov's letter) that remained afloat. How did Avdeev manage to save the bank and why did the financier, who preferred to do business alone, sell his shares in the main assets?

The Fellowship of the Ring

A ruined city, people screaming with grief, bodies pulled out from under the rubble of buildings - this is how the Armenian Spitak saw after the earthquake in December 1988, student volunteers from the Moscow Energy Institute. Among them was a freshman Roman Avdeev. For two weeks he and his comrades lived in tents: during the day he helped to clear the rubble, at night he ate stew and warmed himself with alcohol. Before leaving, the volunteers were threatened with expulsion, but upon their return, all tests were automatically set.

Avdeev did not manage to finish his studies at MPEI - he was expelled when he, carried away by commerce, abandoned his studies. Avdeev began by trading decoders in the markets, with high margins, the initial accumulation of capital proceeded rapidly. In 1994, Avdeev turned up the Moscow Credit Bank (MKB) and bought it for 2 billion non-denominated rubles (about $500,000). Soon the bank turned into one of the largest players in the market of cash collection services in Moscow and the Moscow region. By the early 2000s, cash collection brought MKB more than 30% of commission income, and the clientele was appropriate: Avdeev relied on working with large retail chains and small private entrepreneurs, to whom he issued short loans secured by proceeds.

Everything changed in the 2008 crisis. Avdeev sold the land plots he owned in the Moscow region, contributed 6 billion rubles to the capital of the MKB, doubling it, and began to lend generously large companies, the limits for which were reduced by other banks. Mechel, OGK-6, Miratorg, Severstal appeared among the clients of MKB. In 2009-2010, the bank managed to almost triple its assets, up to 165.5 billion rubles.

Through the Rossium investment holding, Avdeev also developed other projects, such as development. MKB began lending to housing developers and selling apartments through the Domus-Finance real estate agency. Then Avdeev founded the company "Ingrad", it began to buy up land and by 2015 became one of the largest developers in the Moscow region with a portfolio of projects of more than 1.8 million square meters. m.

Investments in NPF Soglasie, control over which Avdeev acquired in 2013, turned out to be successful. Then the fund's assets did not exceed 5 billion rubles. In 2014-2015, Soglasiya managed to attract almost 500,000 new clients; by the end of 2015, it managed 22 billion rubles of pension savings.

The largest private pension group at that time was formed around Otkritie Bank, its NPF Electric Power Industry and Lukoil-Garant managed 287 billion rubles (14.3% of the entire market). An impressive collection of NPFs, later merged into FG "Future", was also collected by Boris Mints, one of the partners of Vadim Belyaev, the main shareholder of Otkritie, as well as the Safmar group of Mikhail Gutseriev. NPFs were bought, among other things, in order to finance the projects of their owners. The Central Bank tried to moderate their appetites, in particular, set limits on the share of affiliated companies and individual instruments in fund portfolios. It was these restrictions that laid the foundation for the notorious “Moscow banking ring”. “A group of enthusiasts came up with an elegant and formally legal scheme, it involved funds, banks and issuers valuable papers, which could be included in the highest quotation lists. The principle was simple: your fund gives money for our projects, ours - for yours, ”says one of the financiers.

Did Avdeev's structures participate in these schemes? Avdeev himself calls any arguments about the "banking ring" conspiracy theories. But in 2015, the O1 Group (which combines the pension and development businesses of Boris Mints) owed 24 billion rubles to the MCB, and its pension funds kept 34 billion rubles on accounts and deposits in Avdeev's bank.

In the summer of the same year, Avdeev discussed with the Mintz and Safmar funds the possibility of participating in the MKB IPO. The deal did not take place - allegedly on the recommendation of the Central Bank, which did not like that these same pension groups took part in the additional capitalization of Promsvyazbank, buying out 10% for 6.9 billion rubles each. Already after the placement, during which the MKB raised 13.2 billion rubles, the funds of Mints, Gutseriev, as well as NPF RGS, acquired approximately 3.5% of the MKB in the secondary market each. But one of the largest investors in the IPO was the Region group, which serves Rosneft. At the end of 2015, she owned 9.5% of MKB.

Rich "Region"

“There will be no more of my foot either in the stadium or in your box!” - the billionaire Alexander Mamut could not restrain himself. In the summer of 2003, he came to the owner of Luzhniki Vladimir Alyoshin to buy the Torpedo football club from him, but the deal fell through, although Mamut offered $ 30 million for the team, and with him the purchase was ready to be financed by billionaires Roman Abramovich and Suleiman Kerimov. The partners wanted to turn Torpedo into a European level club.

The failure dealt a severe blow to Mamut's self-esteem. He was a passionate fan of Torpedo and could not look indifferently at the absurd situation: two clubs with the same name were playing in Moscow at the same time. Historically, the owner of the "Torpedo" was the plant. Likhachev (ZIL), he also owned the home stadium for the team. Edward Streltsov. In 1997, ZIL was unable to maintain the Torpedo and sold it to Aleshin. The fans did not forgive the club for moving to Luzhniki and convinced the ZIL leadership to create a clone team Torpedo-ZIL. Mamut tried to buy her too, but failed again: Torpedo-ZIL went to the co-owner of Norilsk Nickel Mikhail Prokhorov, during the division of assets with Vladimir Potanin, Nornickel went, and in 2010 the team was disbanded. Stadium them. Eduard Streltsov, along with the development company OPIN, went to Prokhorov.

In 2016, Roman Avdeev bought out OPIN. He arrived at the stadium and, according to him, was so imbued with the aura of the place that he decided to buy Torpedo (at that time the club again belonged to ZIL) and return the team to his native stadium. Although Avdeev himself is far from football. As a child, he was a fan of CSKA - and then in defiance of his father, a Spartak fan. “Now, by the will of fate, I have become a Torpedo fan. At the end of the next season, we should reach the National League,” says the banker. But he has plans related to the development project of the territory around the stadium named after Prokhorov, inherited from Prokhorov. Streltsov housing area of ​​266,000 square meters. m. The head of the consulting company "TOP Idea" Oleg Stupenkov believes that this is one of the most promising projects in the portfolio of "Ingrad" (Avdeev combined it with OPIN).

Rossium's partner in Ingrad is the Region group, in the summer of 2017 it bought out 18.2% of the company for 7.5 billion rubles. Avdeev says that "Region" became a client of MKB back in 2006. Subsequently, Region, with the assistance of Rosneft, experienced a rapid transformation from a second-tier player to one of the largest asset managers in Russia. In 2011, the controlling owners of the "Region" became its top managers, headed by President Sergei Sudarikov. Together with them, Sergey Korol, who led the company RN-Trust, which managed the funds of Neftegarant, became a shareholder of Region - pension fund Rosneft. The king was also a good friend of Pyotr Lazarev, who had been in charge of the financial block of Rosneft since the early 2000s.

In the early 2000s, Lazarev, through a chain of companies, was one of the beneficiaries of RN-Trust, subsequently the King became the main owner of this company. Having redeemed a share in Region, he contributed RN-Trust to its capital. In addition, Rosneft sold the Portfolio Investments company with assets worth 18 billion rubles to the Region group. In 2011, the assets of the "Region" quadrupled, up to 105 billion rubles. Today "Region" is the fifth group in Russia in terms of assets under management (336.3 billion rubles). "Neftegarant" (divided into two structures: one manages 7.3 billion rubles of pension savings, the second - 56.5 billion rubles of corporate pensions) continues to be one of its clients along with NPF Surgutneftegaz, Transneft and Sberbank. Relations between Region and the oil company are not limited to managing the money of future pensioners of Rosneft: they act as co-owners in a number of projects, for example, Sibintek, an IT contractor of Rosneft.

In addition to the "Region", the shares of the ICB at the IPO were bought out by another management company "Regionfinansresurs", owned by the former employee of the "Region" Natalya Bogdanova, she became the owner of 8.7% of the bank. A few months after the IPO, Rosneft also provided financing to the MKB, placing several short-term deposits with the bank for 300 billion rubles, and then issuing a subordinated loan for $300 million until 2021. An acquaintance of Avdeev says that the bank’s client relations with Rosneft began even earlier - in 2013, the structures oil company placed more than $500 million in MKB. The bank's financial statements for 2013 indeed reflect a significant (from 1.2 billion to 23.5 billion rubles) growth in balances on accounts and deposits of customers from the chemical and oil industries. According to a Forbes source, during the 2014 crisis, the bank had problems with the return of this money, but Rosneft continued to finance it. Why did the oil company need Avdeev's bank?

Banks for Rosneft

“The main currency speculator of Russia has been found,” politician Boris Nemtsov said on his Facebook on December 13, 2014, at the height of the currency panic, when the dollar exchange rate reached 60 rubles for the first time in history. The oppositionist assured that Rosneft took a loan of 625 billion rubles from the Central Bank secured by its bonds, and then began to buy up foreign currency and brought down the ruble.

At the end of 2014, Rosneft found itself in a difficult position. The company's debt, 90% denominated in foreign currency, exceeded 2.5 trillion rubles, the deadline for the next payment on a loan to buy TNK-BP was approaching, but US sanctions cut the company off from foreign financing. Could not help Rosneft and its subsidiary All-Russian Bank for Regional Development (RRDB), which was also under sanctions. On December 11, the company placed bonds for 625 billion rubles, and a week later it paid $7 billion to foreign creditors. But Nemtsov was wrong, Otkritie bank provided the Rosneft currency, having received it from the Central Bank on the security of Rosneft bonds.

Later, in an interview with the Financial Times, the head of VTB, Andrei Kostin, admitted that the Otkritie group was chosen for this deal because it did not fall under sanctions. Thanks to deals with Rosneft, Otkritie almost doubled its assets to 2.7 trillion rubles, becoming the largest private bank in Russia. The triumph lasted until July 2017, when rating agency ACRA assigned the bank an unexpectedly low rating of BBB-, which did not allow placing funds in it budget organizations and pension savings. For a month, 621 billion rubles leaked from Otkritie, in August the bank went for reorganization.

Avdeev's bank, meanwhile, also increased its assets. According to Moody’s Junior Vice President Petr Paklin, the amount of reverse repurchase transactions (purchase of securities with an obligation resale) accounts for more than 40% of MCB assets (total 1.88 trillion rubles under IFRS) and is comparable in size to the loan portfolio. Paklin explains the growth of the reverse repo at MKB by the fact that the bank lends to several investment companies secured by bonds.

Avdeev does not disclose the economic essence of these transactions. Forbes sources familiar with the MKB business claim that we are talking on financing deals for Rosneft. Two Forbes interlocutors in the financial market say that immediately after the annexation of Crimea and the imposition of sanctions, Rosneft began looking for a bank through which it would be possible to attract foreign currency financing. At first, this function was performed by the Otkritie bank, but other options were also considered. The main condition was that the bank was not affiliated with the oil company, otherwise it could fall under sanctions. In the spring of 2017, Region, which represented the interests of Rosneft, considered the possibility of buying Svyaz-Bank and Globex from VEB (Region reported that this was not the case), but this deal was allegedly not agreed upon in the presidential administration.

As a result, the choice fell on the MKB. Since the beginning of 2015, Rosneft has placed two dozen bond issues for 2.2 trillion rubles - some of them, according to Forbes sources, settled on the balance sheet of the MKB, and the bank's assets in 2015 doubled to 1.2 trillion rubles.

In October 2017, Rosneft secured cooperation with MKB: its structures RN-Nyaganneftegaz and Samotlorneftegaz placed subordinated deposits in the bank for 22 billion rubles for 49 years. At the same time, Avdeev held the bank's SPO for 14.4 billion rubles. After him, "Rossium" retained 56.7% of the MKB, and the shares of the "Region" and "Regionfinansresursa" groups amounted to 8.7% and 10%, respectively.

Flight of the Owl

In 2008, Avdeev began to develop in Velsk, located two kilometers south of the colony, where one of the Yukos shareholders Platon Lebedev was sitting, the Sever Les group, which unites several woodworking enterprises. Avdeev appointed his son Anton as the deputy general director of the group. Avdeev Jr. had to work in difficult conditions. “800 km to Moscow, 500 km to Arkhangelsk,” a banker's acquaintance describes Velsk. “There is only water at the plant, and the owner of one of the sawmills was once attacked by a bear.” Avdeev himself was accustomed to more difficult conditions: he is fond of ski touring, conquered the peak of Wilson in Antarctica, and now dreams of Mount Matterhorn.

Roman Avdeev has 23 children, 19 of them are adopted. Adopting children Avdeev began after, having provided support to several orphanages, he realized that the system was not working efficiently enough. Now only one son, Kirill, works in the structures of Rossium, since Avdeev is against nepotism in business. He is not going to leave a large inheritance to his children, he himself is content with little: his small office - five by six steps - at the headquarters of the MKB on Sretenka resembles the office of a middle manager.

Recently, Avdeev is ready to make room in business. In addition to the stake in Ingrad, the Region group bought the Agronova-L agricultural holding from him, as well as 10% in the Soglasie NPF, whose funds it manages. Avdeev also has another partner - the young financier Nikolai Katorzhnov. In 2009, he began working in the Otkritie group, and already in 2013, a year before his thirtieth birthday, he headed the group's London subsidiary, broker Otkritie Capital International Limited (OCIL), and at the same time oversaw the investment block at Otkritie Bank. Katorzhnov specialized in repo transactions, his team participated in the financing of Rosneft. OCIL earned an average of $ 20 million in net profit per year, at the beginning of 2015 Katorzhnov moved away from work at Otkritie and took up other projects. For example, he invested in CloudDC, which was building a data center in the Moscow region. Thanks to good relations with the leadership of Region (including Sudarikov), Katorzhnov was able to sell CloudDC to Sibinteka in 2017.

Sudarikov advised him to turn to Avdeev in order to fulfill his long-standing desire - to buy out OCIL from the shareholders of the sinking Otkritie. Avdeev agreed, he, according to his version, was looking for opportunities for development investment business inside Rossium. The transaction was carried out based on the value of OCIL's net assets, which is about $330 million. By that time, a temporary administration had already been operating in Otkritie, but the Central Bank had no claims against buyers.

Avdeev offered Katorzhnov to become a partner in Rossium, and he bought out part of the additional issue of the holding for 26 billion rubles, receiving about 10% in it. Katorzhnov says that he bought Rossium shares for 10 billion rubles (Avdeev bought the rest). Now Katorzhnov not only manages OCIL (which was renamed Sova Capital), but also received a mandate from Avdeev to develop the financial business in the group as a whole. Katorzhnov plans to turn Sova Capital into a full-fledged prime broker and estimates the possible effect of the merger with MKB at $100 million in additional margin.

The IBC is actively hiring a new team. The reverse side of the process is that top managers who have worked with Avdeev since the 2000s are leaving the bank. “The old team does not have confidence in its future, some of the managers are planning to buy out the collection business and set off on a free voyage,” says Avdeev's friend. He and several people close to MKB told Forbes that management in the bank had actually passed to people representing the interests of Rosneft and Region. For example, at the end of 2017, Mikhail Polunin became the first deputy chairman, previously he headed the Peresvet bank, which sanitized Rosneft's RRDB.

Avdeev good-naturedly dismisses any talk about the oil company, calling it just one of the bank's clients, and Polunin's arrival at the bank urges not to be considered in isolation from other major appointments: people from other banks, Gazprombank and Sberbank, also joined the board of the MKB. However, Avdeev's acquaintances say that he himself has already retired from the operational management of the bank for several years.

The founder of the MKB says that he does not intend to leave the business, and Forbes in the "Region" reported that there are no plans to further buy out shares in the assets of Rossium. “I have not heard that Roman Ivanovich wants to go out of business at all,” says Katorzhnov. - Rossium has now changed its strategy and is actively working to reduce financial leverage. Among other things, this translates into a willingness to give third-party partners the opportunity to invest in some of their projects.”

“What difference does it make who owns the shares of MKB and Rossium? In any case, all business decisions are agreed with the largest contributor, ”says the Forbes interlocutor, who worked in the financial structures of Rosneft. According to him, the oil company has made this principle an absolute: not a single step can be taken without the consent of Rosneft. It seems that the same will be the case in the ICD.

- With the participation of Yulia Titova