Roman Avdeev: a successful businessman and father of many children. Survivor. Who helped Roman Avdeev save the Moscow Credit Bank during the crisis? Roman Avdeev is a businessman and father of 23 children.

In the family of Roman Avdeev there are 23 children, who are now from 7 to 17 years old, six natural children, 17 adopted. However, Roman Avdeev never separates his children. He accepts them, first of all, into his heart, and only then into his 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 he lived with his family in a communal apartment. There were four of them in one room: grandmother, mom and dad and Roman. In addition, relatives constantly came to them, friends came, and at the same time everything was somehow fun, kind. Although it must have been very difficult for the parents. But they knew how to create such an atmosphere in the house so that everyone would feel comfortable, even in one small room.

Later, the family received another room, but the relationship always remained warm. Parents always tried to understand their son, even when he slammed the door as a teenager, and once 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 like was born.

Even today, Roman Avdeev has great respect for the opinions 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 Energy Institute, served in the army, then went into business, he had his own cooperative for the production of decoders. Later acquired Moscow credit bank.

Then he already had two sons who were born in his first marriage. And in 2002, with his second wife, he adopted twins Katya and Timur. Unfortunately, even then the businessman’s wife knew that she had cancer, but hoped to defeat it. And even in 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 did not arise spontaneously for Roman Avdeev. For a long time he was involved in helping orphanages and came to the conclusion that it was simply pointless.

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 shoulder such a burden. Business requires attention, time and effort. Raising children should also not be left to chance. But Roman Avdeev knew exactly what he was doing and why. And he simply cannot do otherwise. Raising children is the most important thing in his life.

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

Simple happiness

There are as many as three houses on Roman Avdeev’s property. This is not a luxury, but a necessity, because every child should have his own personal space, his own room. The most amazing thing is that the whole family lives in a very special way. There are no general rises and falls. The head of the family usually wakes up and leaves for work before everyone else, trying not to wake up the household.

The children wake up in their own routine. Schoolchildren study in three different schools, the most ordinary ones, where they are able to provide 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 youngest three children seven years ago. I stopped there for now. He knows that he could adopt many more children, but then he himself would hardly have the strength to participate in everyone’s life. Roman Avdeev believes that it is absolutely impossible to bribe children with money, gifts, fashionable gadgets and trips to the Maldives. It is important for a child to feel the love of his parents, their attention and care. And in this sense, small and big family 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 unsuited to life. They have no idea what personal property is, they don’t know how to cook or do laundry.

That's why everything is different in his house. Yes, there is a chef, but on his days off the girls happily cook porridge and pasta, dumplings and sausages, and even make sweets that dad simply cannot refuse.

In addition to the cook, the family has seven people who help take the children to school and tell them how to write an essay or solve an equation. However, Roman Ivanovich tries to study mathematics with children himself. All children are required to study English language from a very early age. As children grow up, they have the opportunity to study abroad, but only during the holidays.

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

He tries to raise 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 your sons, a joint trip to the dacha, gatherings around the fire, and 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 housing and independently choose their own path. One thing is absolutely clear: Avdeev’s children will certainly not become wasters of life.

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

Almost every person can become a billionaire, but not every billionaire is able to preserve his human essence. These words fully characterize one of the richest businessmen in Russia - Roman Ivanovich Avdeev. Possessing a huge fortune and being an active participant in business, he finds time for charity and in every possible way shows concern for those who need help.

Almost the entire biography of Roman Avdeev is inextricably linked with Odintsovo. It is here, in the western suburbs of the capital Soviet Union, on July 17, 1967, a boy was born, who in the future was destined to become the leader of the largest Russian bank and a famous father of many children.

According to the oligarch, he comes from an ordinary worker-peasant family. In addition to his father and mother, his uncle and grandmother took an active part in his upbringing. The relatives of the current billionaire could not boast of wealth, but their almost miserable existence was brightened up by warm family relationships and caring for your neighbor.

As the businessman recalls, his outerwear, in which he walked and went to school, was a sweatshirt, issued to his parents at the factory as work clothes.

Nevertheless, the entrepreneur keeps the warmest memories of these years.

At the school where Roman studied from 1974 to 1984, he did not show outstanding achievements and was a stable “average student.” One of the young man’s serious hobbies was radio electronics. However, things did not go further than a hobby. Fate was preparing a completely different path for Avdeev.

Education

Having received a matriculation certificate, Roman Avdeev decided to continue his education at one of the capital’s universities. In 1984, he became a student at the Moscow Energy Institute. In 1986, the educational process was interrupted due to Roman's conscription into the ranks of the USSR Armed Forces. Over the next two years, he served in one of the construction battalions in Kostroma.

After returning from the army, Roman continued his studies at the institute, from which he graduated in 1989, receiving a specialist diploma in thermal process control systems.

Later to existing higher education Roman Ivanovich added two more, received in the mid-90s at the Moscow International and Lipetsk Technical Universities.

Career and business of Roman Avdeev

ABOUT labor activity Roman Avdeev had to think about it back in his student years. Having started a family and becoming a father, in parallel with his studies, he was forced to work part-time at the department. In search of additional income to supplement his scholarship, the young man worked as a night watchman and even as a cleaner at one of the local vocational schools.

The rapid development of private entrepreneurship in the late 80s prompted a university graduate to create own business, which began with the trade in radio components. Expanding his business, the young entrepreneur began selling decoders and other television units that were in short supply.

Having mastered the capital's markets, Avdeev and his partners expanded their business to St. Petersburg, and after concluding an agreement with the Ukrainian Elektronmash, they began importing foreign computer equipment.

In the course of his activities, Roman often had to deal with money from other countries. While engaged in cash exchange, he concluded that foreign exchange transactions can bring greater profits than the banal resale of goods. This is how the idea of ​​creating our own bank was born.

In 1994, Avdeev became the owner of the documentation of the Moscow Credit Bank. As it turned out, the organization existed only on paper, and the young financier had to start a big business almost from scratch.

At the start, Roman Ivanovich had only an office with fourteen employees at his disposal.

At that time, the future billionaire had no idea that by 2018 his brainchild would take 9th place in the Russian banking system and would be listed as the largest private commercial bank of regional importance.

At the same time, Avdeev developed vigorous activity in other areas of business.

Since the mid-90s, he began buying up the assets of enterprises agricultural sector, which by 2006 led to the creation of the Chernozemye holding. The businessman sold this organization at a profit in 2008.

From 2000 to 2003, Avdeev owned the Stolitsa retail chain, which also brought substantial profits to the entrepreneur. Then there was the Sever-Les group, which included 18 companies specializing in timber and woodworking. When the group was sold, Roman Ivanovich's fortune increased significantly.

Working in different directions, the businessman did not forget about his bank for a minute and used almost all the profits for its capitalization. In 2008, Roman Avdeev took the post of chairman of the MKB and completely switched to its development.

Being an opponent of shareholders participating in the work of the enterprise, after 10 months Avdeev stopped chairing MKB. During the period of his leadership, the financial organization not only survived the all-Russian crisis, but also significantly strengthened its position.

Having left the chair of the chairman of MKB, the businessman was actively involved in investment projects, which resulted in the creation of the powerful diversified holding company Rossium.

The concern included the Ingrad group, specializing in development activities in the capital and region. This organization was acquired by a businessman in 2010 and was originally called Domus Finance.

Another branch of the holding was the non-state pension fund Soglasie, owned by Avdeev since 2014, which was later transferred to the assets of Rossium.

Roman Avdeev's concern is actively working in the oil and gas industry. Direct Oil, which is part of it, specializes in geological exploration of oil and gas. Among the discoveries of this company is the Troitskoye field.

Rossium enterprises are involved in agriculture. The London company SOVA CAPITAL LIMITED is involved in this segment.

In addition, Avdeev’s holding owns shares in pharmaceutical companies included in the Pharmacy Chain 36.6.

Condition of Roman Avdeev

Roman Ivanovich Avdeev has not been a newcomer to Forbes for a long time, and his photos can often be seen on the pages of prestigious financial publications. The billionaire contains his fixed assets in shares of enterprises and organizations that are part of the Rossium Concern holding.

In order to track the dynamics of changes in the fortunes of an entrepreneur, it is enough to use the information provided annually by Forbes (year - $, billion / place in the ranking of 200 richest people Russia):

• 2011 – 0,95/102;
• 2012 – 1,3/69;
• 2013 – 1,4/69;
• 2014 – 1,4/68;
• 2015 – 1,1/73;
• 2016 – 1/69;
• 2017 – 1,3/66.

In 2018, Roman Avdeev took 56th place among the richest Russian entrepreneurs. Now his capital is estimated at $1.7 billion.

Roman Ivanovich is significantly different from other oligarchs. He is not a supporter of expensive yachts and planes, and it even happens that he gets to his place of work by metro. The businessman invests all his funds in his children, of whom the billionaire has 23!

The private life of Roman Avdeev

You can judge whether Roman Avdeev is happy in his personal life by the number of his children, of which four are natural, and 19 are adopted. However, the oligarch does not divide them into friends and foes, and each member of the Avdeev family is equally surrounded by care and affection.

During his biography, Roman Ivanovich was legally married three times, and only the third of them brought him the long-awaited faithful companion life - Elena. This woman debunks the usual image of billionaire wives. She became Roman's wife when he already had 12 children. Elena actively became involved in the life of the family, accepting each oligarch’s child as her own.

Avdeev’s children lack nothing. Experienced educators and teachers constantly work with them. By surrounding his heirs with care, the businessman strives for each of his descendants to find themselves in life and not rely on outside help.

Roman Ivanovich began to involve his eldest sons in his business, and now they are learning the intricacies of the financial business while working at MKB.

As a person who once experienced need and is not indifferent to other people’s problems, Avdeev is active in charitable activities.

Since 2014, the Arithmetic of Good Foundation, which he created, has been providing all kinds of support to Russian orphans.

Roman Avdeev is an avid athlete. Maintaining excellent physical shape, he eats vegetarian food and goes for daily jogging. His hobbies include skiing and cycling. The oligarch is engaged in rowing and is considered a good climber. He has climbed Wilson Peak to his credit - highest point Antarctica.

Among the businessman's acquisitions is a Russian football club"Torpedo", for which Avdeev is currently reconstructing the stadium.

Among the hobbies in the biography of one of the richest people in Russia, one should note philosophy and passion for long-distance travel, where Roman Ivanovich learns the intricacies of the culture of different nations.

For his services in public and entrepreneurial activity Avdeev was awarded the “Hurry to Do Good” medal, the titles “Banker of the Year” and “Industry Legend”, as well as several prestigious awards.

Roman Avdeev today

In 2018, Roman Ivanovich Avdeev significantly increased his activity on the financial front. At the end of winter, the businessman was elected to the post of board of directors of the Rossium holding. The Moscow Credit Bank, which belongs to him, plans to expand using the assets of the Yugoria insurance company and Sovetsky Bank.

At the same time, information appeared in the press that the oligarch was thinking about selling his financial organization, however, Avdeev himself avoids commenting on this topic.

“It is very important for a person to become a person”
R. Avdeev

Roman Ivanovich Avdeev - successful businessman, philosopher, member of the supervisory board of the Moscow Credit Bank and father of twenty-three children. Roman Avdeev is on the 68th line in the ranking of the Russian publication Forbes “200 Richest Businessmen in Russia - 2014” with a fortune of $1.4 billion.

The future billionaire was born in 1967 in small town Odintsovo, where I spent my entire childhood. In 1984, Roman Avdeev was enrolled in the ranks of students at the Moscow Energy Institute, and two years later he was drafted into the army. After the army famous businessman continued his studies, which he combined with part-time work.

On the way to building a business

The future billionaire opened his own business in 1989. Banking was not Roman Avdeev's first choice in business. The businessman founded an enterprise that distributed decoders and imported computers to Russia. Subsequently, cooperation was established with the Ukrainian electronics manufacturer, the Elektronmash plant. Soon, however, Avdeev noticed that he was earning more money in foreign exchange transactions than in trading activities and decided to try himself in the banking sector. In 1994, the entrepreneur took a business course at the Moscow International University of Business and Information Technologies. In the same year, Avdeev buys the Moscow Credit Bank. As the entrepreneur himself recalls on his website, at that time the bank was a package of documents and fourteen people on staff. All processes were set up from scratch and now Moscow Credit Bank is one of the largest and most stable credit institutions countries.

In the mid-90s, a young businessman turned his attention to the agro-industrial business: he bought shares of Lebedyansky Sugar Plant OJSC and the surrounding territories. In 1996, Avdeev graduated from Lipetsk State Technical University. By 2006, the Chernozemye agricultural holding was organized, which produced about 3% of Russian sugar. However, at that time Avdeev did not see prospects for the growth of this business and sold it. The proceeds were used to increase the capital of the ICB.

In 2005, Avdeev became general director Rossium group of companies. Roman Avdeev is a co-owner of a factory in the city of Kupavna. He invested about 20 million dollars in this enterprise.

In 2008, Avdeev decided to build a business in the forestry and woodworking industries. However, the entrepreneur also decided to sell this business and invest money in the development of MKB.

In 2010, the entrepreneur founded the Domus Finance real estate agency.

A year ago, through the Gardenhills company, Avdeev acquired a controlling stake in a large Russian company"Veropharm", engaged in the production medicines. On December 12, 2014, the American company Abbott bought a controlling stake. Abbot paid about $305 million for the venture.

Interests and hobbies of Roman Avdeev

Roman Ivanovich is a very versatile person. The billionaire prefers active recreation. The businessman views sport as a tool for character development. Roman Avdeev's hobbies include yoga, rowing, cycling, alpine skiing. In 2009, the billionaire conquered Wilson Peak. Back in the late 90s, Roman Avdeev became interested in philosophy. The entrepreneur believes that philosophy provides logical and research material, and business can bring this material to life.

Although successful entrepreneur He devotes a lot of time to work; he considers his family to be his main interest in life. In addition to his four children, Roman Ivanovich has nineteen more adopted children. Avdeev adopted his first two children in 2002. According to the businessman, the decision to adopt children came to him after realizing that helping orphanages was ineffective. It is important for a child to feel that he has a family. In an interview with 7ya.ru, the banker explained the principles by which his family lives. When adopting, Roman Ivanovich does not choose children. However, he believes that adoption should be done before the age of 1 year in order to invest as much as possible in the child in early childhood. It is very important to spend time with your child and not bribe him with expensive toys. All the businessman’s children learn English in addition to Russian. Roman Ivanovich considers it important to instill in children respect for people. In March 2014, the businessman opened charitable foundation"The Arithmetic of Good."

The billionaire spoke to Forbes magazine about his attitude to business and success.

In business, Roman Avdeev adheres to the following principles:

A business is just a business that will be sold sooner or later.

Business is a tool, not a goal. This is an opportunity to do something.

For long-term success, luck is not enough, you need to work hard.

In business, it is very important to make decisions quickly.

A person should do something in which he is a professional.

In his interview with Euromoney, the billionaire expressed the opinion that the main problem Russian business- this is a lack of business thinking. First of all, the education system is to blame for this. Education was good during the Soviet Union, but it was geared towards an industrial society. Now reform is needed to suit the modern business environment. Education should not only impart knowledge, but also show students the sources of knowledge and how to apply it.

Regarding the topical issue of Western sanctions against the Russian Federation for Russians, in the same “Euromoney” Avdeev gave his vision of the situation. The banker believes that at some point the parties will be able to sit down together and discuss a solution to the issue. The current situation is unfavorable for both sides, and the main problem is a lack of communication between two parties. Roman Avdeev is confident that sanctions against state-controlled banks are automatically sanctions against the entire banking sector of the country. The closure of the international bond market for Sberbank and VTB cannot in any way benefit private banks, in particular MKB. At the same time, ICD has a fairly diversified funding base. If access to one source of financing is limited, this will be noticeable for the bank, but should not bring serious problems. The businessman believes that Russian clients will not leave Western banks that provide loans to support businesses under the influence of political events. Avdeev considers it possible to create a national payment system, but at the same time proposes to answer the questions of what the goals of the creation are, how effective it will be and whether it will allow one to get a better place in the global world system.

The sneakers bounced pleasantly on the paths of Sokolniki Park; it was a clear August morning. The training was interrupted by the phone ringing. Banker Roman Avdeev interrupted his jog and picked up the phone. "Did you see that?" - asked his friend. It was about a letter from Alfa Capital 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 to transfer assets to more reliable banks. The list included Otkritie, B&N Bank, Promsvyazbank and Moscow Credit Bank of Avdeev.

Soon the banker spoke with Alfa Group co-owner Peter Aven - he called to personally apologize for what 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 was the only one from the “Moscow banking ring” (as the banks began to be called from Gavrilov’s letter) to remain afloat. How did Avdeev manage to save the bank and why did the financier, who preferred to do business alone, sell shares in the main assets?

The Fellowship of the Ring

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

Avdeev never managed to finish his studies at MPEI - he was expelled when, carried away by commerce, he abandoned his studies. Avdeev began by trading decoders on the markets; with high margins, the initial accumulation of capital proceeded rapidly. In 1994, Avdeev came across the Moscow Credit Bank (MCB), and he bought it for 2 billion non-denominated rubles (about $500,000). The bank soon became one of the largest players in the market of collection services in Moscow and the Moscow region. By the early 2000s, collection brought more than 30% of commission income to MKB, 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 revenue.

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 ICB, doubling it, and began generously lending to large companies, the limits for which were being reduced by other banks. Among MKB's clients were Mechel, OGK-6, Miratorg, and Severstal. In 2009–2010, the bank managed to increase its assets almost threefold, 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 Ingrad company, it began to buy land plots 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, which Avdeev acquired control of in 2013, were successful. At that time, 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 in pension savings.

The largest private pension group at that time was formed around Otkritie Bank, its NPF Elektroenergetiki and Lukoil-Garant managed 287 billion rubles (14.3% of the total market). An impressive collection of NPFs, later combined into the Future Federal Group, 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. Non-state pension funds were purchased, among other things, to finance the projects of their owners. The Central Bank tried to moderate their appetites, in particular, it established restrictions on the share of affiliated companies and individual instruments in the funds’ 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, which involved funds, banks and issuers of securities that could be included in the highest quotation lists. The principle was simple: your fund gives money for our projects, ours gives money for yours,” says one of the financiers.

Did Avdeev’s structures participate in these schemes? Avdeev himself calls any speculation about the “banking ring” conspiracy theory. But in 2015, O1 Group (which combines the pension and development businesses of Boris Mints) owed MKB 24 billion rubles, and its pension funds kept 34 billion rubles in accounts and deposits at Avdeev’s bank.

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

Rich "Region"

“I will never set foot in the stadium or in your box again!” - billionaire Alexander Mamut could not resist. In the summer of 2003, he came to the owner of Luzhniki Vladimir Aleshin to buy the Torpedo football club from him, but the deal fell through, although Mamut offered $30 million for the team, and billionaires Roman Abramovich and Suleiman Kerimov were ready to finance the purchase with him. The partners wanted to turn Torpedo into a European-level club.

The failure dealt a painful blow to Mamut’s pride. He was a passionate Torpedo fan and could not look at the absurd situation with indifference: two clubs with the same name were playing in Moscow at the same time. Historically, the owner of Torpedo was the plant named after. Likhachev (ZIL), he also owned the team’s home stadium. Eduard Streltsov. In 1997, ZIL was unable to maintain Torpedo and sold it to Aleshin. The fans did not forgive the club for moving to Luzhniki and convinced the ZIL management to create a clone team, Torpedo-ZIL. Mamut tried to buy it too, but failed again: Torpedo-ZIL went to the co-owner of Norilsk Nickel Mikhail Prokhorov, during the division of assets with Vladimir Potanin it went to Norilsk Nickel, and in 2010 the team was dissolved. Stadium named after Eduard Streltsov, together 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 their home stadium. Although Avdeev himself is far from football. As a child, he supported 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 enter the National League,” says the banker. But he has plans related to the project inherited from Prokhorov for developing the area around the stadium. Streltsov with housing area of ​​266,000 sq. m. The head of the consulting company TOP Idea, Oleg Stupenkov, believes that this is one of the most promising projects in Ingrad’s portfolio (Avdeev merged 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, its top managers, headed by President Sergei Sudarikov, became the controlling owners of Region. Together with them, Sergei Korol, who headed the RN-Trust company, 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 bought a stake 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, Region's assets increased fourfold, 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. Region’s relationship with the oil company is not limited to managing the money of future Rosneft pensioners: they act as co-owners in a number of projects, for example, the Sibintek company, an IT contractor for Rosneft.

In addition to Region, MKB shares were bought at the IPO by another management company, Regionfinanceresurs, owned by a former Region employee, Natalya Bogdanova, who became the owner of 8.7% of the bank. A few months after the IPO, Rosneft also provided financing to the ICB, placing several short-term deposits in 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 relationship with Rosneft began even earlier - in 2013. oil company placed more than $500 million in MKB. The bank’s reporting for 2013 indeed reflects a significant (from 1.2 billion to 23.5 billion rubles) increase in account balances and deposits of clients from the chemical and oil industries. According to a Forbes source, during the 2014 crisis the bank had problems returning 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 claimed that Rosneft took out a loan of 625 billion rubles from the Central Bank secured by its bonds, and then began buying foreign currency and collapsed the ruble.

At the end of 2014, Rosneft found itself in a difficult situation. The company's debt, 90% denominated in foreign currency, exceeded 2.5 trillion rubles, the next payment on the loan for the purchase of TNK-BP was approaching, but American sanctions cut off the company from foreign financing. Nor could its subsidiary, the All-Russian Regional Development Bank (RRDB), which was also under sanctions, help Rosneft. On December 11, the company placed bonds for 625 billion rubles, and a week later paid foreign creditors $7 billion. But Nemtsov was mistaken; Otkrytie Bank provided Rosneft’s currency, having received it from the Central Bank on the security of Rosneft bonds.

Later, in an interview with the Financial Times, VTB CEO Andrei Kostin admitted that the Otkritie group was chosen for this deal because it was not subject to sanctions. Thanks to transactions with Rosneft, Otkrytie 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 BBB- rating, which did not allow it to place funds from budgetary organizations and pension savings. Over the course of a month, 621 billion rubles flowed out of Otkrytie, and in August the bank went into reorganization.

Meanwhile, Avdeev’s Bank was also increasing its assets. According to Moody’s junior vice president Petr Paklin, the amount of reverse repo transactions (purchase of securities with an obligation resale) accounts for more than 40% of MKB's assets (total 1.88 trillion rubles according to IFRS) and is comparable in size to the loan portfolio. Paklin explains the growth of reverse repo with MKB by the fact that the bank is lending to several investment companies using bonds as collateral.

Avdeev does not disclose the economic essence of these transactions. Forbes sources familiar with the MKB business claim that we're talking about on financing transactions for Rosneft. Two Forbes interlocutors on financial market they say that immediately after the annexation of Crimea and the introduction of sanctions, Rosneft began to look for a bank through which it could attract foreign currency financing. At first, this function was performed by Otkritie Bank, but other options were also considered. The main condition was that the bank should not be affiliated with an oil company, otherwise it could be subject to sanctions. In the spring of 2017, Region, which represented the interests of Rosneft, considered the possibility of purchasing Svyaz-Bank and Globex from VEB (Region reported that this was not the case), but this deal was allegedly not approved by the presidential administration.

As a result, the choice fell on the ICD. Since the beginning of 2015, Rosneft has placed two dozen bond issues worth 2.2 trillion rubles - some of them, Forbes sources say, ended up on the balance sheet of MKB, and the bank’s assets doubled in 2015 to 1.2 trillion rubles.

In October 2017, Rosneft consolidated 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 conducted an SPO of the bank for 14.4 billion rubles. After it, Rossium retained 56.7% of MKB, and the shares of the Region group and Regionfinansresursa were 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 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 water only at the factory, and the owner of one of the sawmills was once attacked by a bear.” Avdeev himself is accustomed to more difficult conditions: he is fond of ski touring, conquered Wilson Peak in Antarctica, and now dreams of Mount Matterhorn.

Roman Avdeev has 23 children, 19 of them adopted. Avdeev began adopting children after, having provided support to several orphanages, he realized that the system was not working effectively enough. Now only one son, Kirill, works in the Rossium structures, since Avdeev is against nepotism in business. He does not intend to leave a large inheritance to his children, being 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 has been ready to make room in business. In addition to the share in Ingrad, the Region group bought from him the agricultural holding Agronova-L, as well as 10% in the NPF Soglasie, whose funds it manages. Avdeev also has another partner - young financier Nikolai Katorzhnov. In 2009, he began working for the Otkritie group, and already in 2013, a year before his thirtieth birthday, he headed the London subsidiary of the group - the 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 left work for Otkritie and took up other projects. For example, he invested in the company CloudDC, which was building a data center in the Moscow region. Thanks to good relationship With the leadership of Region (including Sudarikov), Katorzhnov was able to sell CloudDC to Sibintek in 2017.

Sudarikov advised him to turn to Avdeev in order to realize his long-standing desire - to buy out OCIL from the shareholders of the sinking Otkritie. Avdeev agreed; according to his version, he was looking for opportunities to develop an investment business within Rossium. The transaction was carried out based on the value of OCIL’s net assets, which is about $330 million. At that time, a temporary administration was already in place at Otkritie, but the Central Bank did not have any complaints against the buyers.

Avdeev invited Katorzhnov to become a partner in Rossium, and he bought out part of the holding’s additional issue for 26 billion rubles, receiving about 10% in it. Katorzhnov says that he bought 10 billion rubles worth of Rossium shares (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 merging with MKB at $100 million in additional margin.

MKB is actively hiring a new team. The other side of the process is that top managers who have worked with Avdeev since the 2000s are leaving the bank. “The old team has no confidence in its future; some of the managers are planning to buy out the cash-in-transit business and go free,” says an acquaintance of Avdeev. He and several people close to MKB told Forbes that management of 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 the Rosneft RRDB.

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

The founder of MKB says that he does not intend to leave the business, and Region reported to Forbes that there are no plans for further repurchase of shares in Rossium’s assets. “I haven’t heard that Roman Ivanovich wants to get out of business at all,” says Katorzhnov. - Rossium has now changed its strategy and is actively working to reduce financial leverage. This also 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? All business decisions, in any case, are agreed upon with the largest investor,” says Forbes’ interlocutor, who worked in the financial structures of Rosneft. According to him, the oil company has taken this principle to an absolute level: not a single step can be taken without approval from Rosneft. It looks like things will be the same in the ICD.

- With the participation of Yulia Titova

What should the life of a billionaire be like? The imagination vividly pictures the landscapes of the Californian hills, a snow-white yacht off the coast of Nice, the interiors of Michelin-starred restaurants, and 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 dollars, instead of buying another football club, he won 19 courts in order... to become the adoptive father of 19 kids.

short biography

Roman Ivanovich Avdeev was born on July 17, 1967. The future oligarch grew up in the city of Odintsovo. Graduated here high school- regular, 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 switched from three to four. But, according to teachers, he has always been persistent. If you set a goal, you went straight towards it, despite the obstacles.

After school he entered the Moscow Energy Institute. Later he graduated from 2 more universities: Moscow international university business and information technology and Lipetsk State Technical University (specialty - “Industrial and civil construction”).

How one person combined a passion for business (humanitarian profile) and a 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, he also managed to serve in the army, where he was drafted immediately after his second year at Moscow Power Engineering Institute. Who would have thought that this seemingly ordinary 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. At that time I was engaged in spare parts for imported televisions - with electronics it was bad then, with components - even worse. This is how the “start-up capital” was earned. Later there was a large contract with the Ukrainian Elektronmash. But with the collapse of the Union, the future banker quickly realized that selling currency was more profitable than selling physical goods - 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 become one of the top 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 bought 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 Agronova-L, a small (country-wide) land bank. Prior to this, the Chernozemye agricultural holding was successfully sold.

However, the billionaire spends his money in a very unique way. For example, in 2017, he donated to his native school a modern classroom for experiments and experiments, equipped with last word technology. He founded the charitable foundation “Arithmetic of Good”. The businessman’s money was used to literally “raise” the Moscow football club “Torpedo” from its knees.

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

Personal life of the oligarch

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

This did not happen right away. At first there was usual help orphanages. We bought things and made repairs. But, as Roman Ivanovich admits, over time there came an understanding of the global futility of this idea. Yes, something definitely changed. New windows were installed here, replaced there bed sheets. But the system cannot be changed on a national scale. And is this really what children need?

I didn’t want to help for show, for the inspectors. And children, more than anything else, 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 one of his interviews, his second wife “took” him with the “cart train” - together with her oligarch husband, she got 12 adopted children. But the Avdeevs didn’t stop there. Currently, the family is raising 23 children - 19 adopted and 4 natural.

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 and do what they love. They must achieve everything else themselves. By the way, Bill Gates also did the same thing, bequeathing his entire fortune to a charitable foundation.

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

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

By the way, the relatives and adopted children of Roman Ivanovich Avdeev still study in the same secondary school No. 3 Odintsovo. Although for education father of many children does not spare money. The best teachers, both Russian and foreigners, work with each child from childhood - children learn 2 things at once foreign languages. Just a regular school is a way to socialize kids. A kind of “shock therapy” is an excellent preparation for independent life.

How does Avdeev find free time for his children?

Sports, swimming pool, vacation trips to the mountains - you’re simply amazed how businessman Roman Avdeev manages to devote so much time to his family. Avdeev himself once spoke best on this topic: “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 try to take refuseniks at this age.

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

"Moscow Credit Bank" by Roman Ivanovich Avdeev

Founded in 1992. Initially it was small Joint-Stock Company with a modest office and a staff of 14 people. In 1994, the composition of the founders was expanded. That's when 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, MKB has been one of the ten largest banks in the country, and on September 13, the Central Bank included it in the list of 11 largest credit institutions that are systemically important for the country’s economy.

Football club "Torpedo"

The interests of an entrepreneur are not limited to business. Despite his busy schedule, Roman Ivanovich manages to find time for public affairs. Thus, 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. 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.

This is hardly charity. Yes, the football club 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 for residential and commercial development of the adjacent territory approved by the capital’s mayor’s office. The success of Torpedo is a good advertisement for the sale of apartments in this area.

Charitable Foundation "Arithmetic of Good"

But “The 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. But the officials just shrug their shoulders. This is where Avdeev and his millions come to the rescue.

conclusions

The example of Roman Ivanovich shows that everyone can achieve success in life. To do this, you don’t need to have influential relatives, start-up capital, etc. Of course, it’s good if there are some “levers” that can multiply the efforts made. But the point is that these efforts must definitely be made. For example, Avdeev gets up at 5 am. He drives to the capital himself, goes to the gym or does yoga when “ normal people“They just open their eyes. However, he goes to bed no earlier than midnight. And so it has been for the last 3 decades.

Now Roman Avdeev is on the Forbes list. But it was not easy for him. Everyone wants to live beautifully. But for those who only dream of material benefits, you will 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 vacation at the best resorts.

But Roman Avdeev denied himself the necessities for years, worked as a cleaner and security guard - he fed the business. It's no surprise that the business has now grown and is feeding him. 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 believe 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 internally in agreement with yourself. And when you feel that you should help, help. It is important that Roman Ivanovich has found himself, found his purpose, and is doing something he sincerely loves. And villas, cars, yachts and private jets are all coming.