It just so happened that when investing their funds, many investors pay attention to the reputation of a financial institution and even its rating among other credit institutions. But, as practice shows, these indicators are not always signs of the bank's reliability. A vivid example of this is Rosinterbank. The problems of his leadership began quite unexpectedly. We will talk more about the troubled bank and the difficulties that it had to face below.
Nothing foretold trouble: generalized information about the bank
RosinterBank is a quite decent commercial bank that has been operating on the Russian financial market since 1990. Since its opening, it has not only sponsored, but also provided comprehensive support to representatives of corporate, small, medium and large businesses.
Its network of branches over time has grown to 40 branches located in Yaroslavl, Nizhny Novgorod, St. Petersburg, Kazan, Krasnodar and other cities and regions of the Russian Federation. This is how RosinterBank began to gain momentum, while Moscow became its main city, where the bank's head office was located.
Bank awards and prizes
Despite the rather strong competition from other commercial organizations, RosinterBank continued to grow and develop. A little time passed, and the financial organization began to receive honorary titles, prizes and awards. For example, not so long ago, its management was awarded the highest award in the Socially Oriented Bank category, and one of the board members was awarded the main prize "For personal contribution to the development of financial literacy of children and youth."
"Rosinterbank": rating
RosinterBank very quickly turned into a well-known and sought-after financial institution. In addition, by the size of its assets, it entered the TOP-70. Later, the organization entered the TOP-10 among financial institutions famous for their impeccable customer service. The clients also singled out the excellent work of the bank's employees, placing their favorite organization in the top ten in the "People's Rating". It is noteworthy that Rosinterbank managed to hold out among the best financial flagships from 2014 to 2015.
Credit cards and other bank products
Until the introduction of the provisional administration, according to numerous reviews, RosinterBank was also engaged in the population. For example, one of the most demanded products of the bank is considered. With its help, many students could pay for their studies at the university. It is noteworthy that this program operated with some support from the state and had the lowest interest rate at that time - 7.6% per annum.
Another advantageous offer of the bank was the Targeted Mortgage Loan, the rate of which was also lower (11.5-13.5% per annum) than similar loan products developed by other financial institutions. In a word, "Rosinterbank" means attractive tariffs that favorably distinguish it from other financial institutions.
What did people say about the bank?
It is believed that before contacting any financial institution, you must first study user reviews in detail. RosinterBank is a financial institution with vast experience and length of service, which is why many Russians applied here. For example, some were tempted by a large selection of loan products and deposit programs. Others liked favorable conditions for deposits and loyal requirements for early withdrawal of invested money.
Another excitedly talked about the excellent service they received in the office located on Kondratyuk Street, 3 and in the office at the address: Moscow. st. Miklukho-Maklaya, 55.
Some reviews about banks, on the contrary, contain a tearful story about poor service, which led to a number of additional expenses on the part of the client. In a word, opinions about the work of the bank itself are different, as are the clients themselves.
"Delicious" and tempting contributions of the organization
In addition to credit products, RosinterBank offered deposits for individuals. As in the case of loans, deposit programs assumed high interest rates and very attractive terms of registration. A prime example of this is a recent contribution called Festive+.
According to the conditions, it was possible to issue it in domestic or foreign currency for a period of 100 to 550 days. The interest rate for a ruble deposit was 10.5-11.5% per annum, and in foreign currency - from 0.8 to 2.4%.
Interestingly, the interest accumulated by the depositor was monthly credited to his card account, which was opened for him by RosinterBank (by the way, the license of this bank has not yet been revoked). And most importantly, "Festive +" allowed early withdrawal of cash within 30% or 60% of the established deposit rate. And, of course, program participants could automatically become happy owners of a gift voucher in the amount of 20,000 rubles (during the bank prize draw). It's a song, not a sentence!
Another "delicious" offer of the bank was the "Perspective" program. And if at the beginning of the year it assumed a rate of 10% per annum, then closer to the summer, the starting rate grew to 12%. And the “Profitable +” deposit initially offered everyone to invest their money at 14% per annum.
As a result of a competent marketing policy, the attracted population and business representatives simply lost their vigilance. They entrusted their finances to what seemed to be a reliable credit institution, and KB RosinterBank let them down cruelly. What happened to him? And what is the reason for his problems?
Cause and effect: what happened to the bank?
As early as September 9, the bank's representatives were loudly shouting about their new credit card designed for teachers. But a couple of days ago, the office and all operating branches of the financial organization were suddenly closed. The official website of the organization rosinterbank.ru stopped working, and the hotline phones were disconnected.
As a result, most investors panicked. Many of them began to write angry reviews ("Rosinterbank" is a financial institution that works with both entrepreneurs and individuals), and ask questions. And some even came to the central office and tried to break the bars, desiring to get inside the building at all costs. But they were all interested in the main question: “What happened?”.
And the casket just opened
Having gained patience, the clients of the unreasonably "silent" bank finally received answers. As it turned out, RosinterBank (deposits here could be opened in foreign and domestic currencies) suspended its work due to the sanctions of the Central Bank. He, in turn, explained these actions as forced measures aimed at determining the real financial picture in the bank.
According to the regulator, the position of "Rosinterbank" at the moment was defined as unstable and unstable. And since this was a direct threat to creditors and depositors, it was decided to stop its work for the duration of the audit.
Introduction of an interim administration
As a result of proceedings by the Central Bank of the Russian Federation, a temporary administration was introduced in RosinterBank (problems here began quite recently). At the same time, such a responsible post was unanimously transferred to representatives of the DIA (Deposit Insurance Agency). The powers of the managers and shareholders of the financial organization are temporarily suspended.
The interim administration of the bank was appointed for a period of six months and began its duties on September 15 this year. According to eyewitnesses, the bank managed to publish this information on its official website on Thursday. From the same moment, the system of electronic payments was disabled and the cards in the terminals of the financial organization were no longer serviced. But what is the reason for the dissatisfaction of the regulator?
What is the reason for the distrust of the Central Bank?
According to numerous reviews, RosinterBank not only pursued a high-risk credit policy, but also frankly cheated using deposits from the population. The same information about the bank was confirmed by a source close to the regulator. A huge number of questions from the Central Bank arose precisely because of the state of liabilities formed by attracting funds from depositors of a credit institution.
As it turned out, the official data provided to the regulator by RosinterBank corresponded to the established norm for many years. However, the real figures, according to inspectors, should be much higher. Perhaps there is some truth in this. Judge for yourself, just for the first quarter, according to unofficial data, the cost of funds raised was 13.5% in annual terms. But the result of such a stormy activity is not reflected in the documents of the bank. This means only one thing, that the credit institution is playing a shadow game and is associated with dubious monetary transactions.
Interbank market: borrowing money
Simultaneously with the strange record keeping, "RositerBank" was noticed among the major creditors of the interbank market. According to preliminary information, at the beginning of August, the total share of borrowed funds of this financial institution was more than 30% of all passive income. Gradually, this figure began to grow, as the representatives of the bank, apparently, fell into a certain dependence on creditors. According to experts, such actions on the part of the borrower indicate problems with its liquidity. This is also evidenced by numerous reviews of banks that had similar situations before declaring bankruptcy.
Bank representatives got caught in a hot
Probably, the last straw in the activities of the bank was an incomprehensible scam, which was recently carried out by its representatives. According to a source close to the regulator, there were various rumors about the strange activities of RosinterBank. However, the Central Bank could not verify their authenticity or refute them until a certain point. As it turned out, the representatives of the regulator decided to take on the hot dishonest representatives of the bank.
To do this, they sent their man, who pretended to be an ordinary depositor who decided to put money on deposit. At a certain moment, he called RosinterBank (the address of the branch in question, unfortunately, is not available), said that he needed to go abroad for a long time, and clarified about the calculation of interest.
After a certain time, according to a source, a certain amount of money was debited from the account of the “spoiled Cossack”, although in reality he did nothing of the kind. As a result, the representatives of the bank had to explain themselves to the regulator's employees for a long time.
A more detailed investigation is currently underway. It is assumed that some depositors' funds, as in the cases with Arksbank and Mosoblbank, were not officially listed anywhere. At the same time, the owners of such accounts themselves might not even be aware of this. All these controversial points are to be studied by representatives of the interim administration.
Bank license revoked
The decision to apply an extreme measure of influence - the revocation of a banking license - was taken by the Bank of Russia in connection with the credit institution's failure to comply with federal laws regulating banking activities and Bank of Russia regulations, repeated violations of the requirements provided for in Articles 6, 7 over the course of one year ( with the exception of paragraph 3 of Article 7) of the Federal Law “On Combating the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism”, as well as the requirements of Bank of Russia regulations issued in accordance with the said Federal Law, the value of the capital adequacy ratios ) below two percent, a decrease in the amount of own funds (capital) below the minimum value of the authorized capital established as of the date of state registration of the credit institution, taking into account the repeated application within one year of the measures provided for by the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)".
Information about ZAO Rosinterbank
Reliability of the Bank
CJSC Rosinterbank is a dynamically developing financial institution in Moscow, the main activity of which is lending to both individuals and legal entities. In addition, the bank makes a special emphasis in its activities on attracting funds from individuals in deposits.
The bank was founded in 1990 with the participation of the Ministry of Agriculture of the RSFSR. In May 2001, it was re-registered as a closed joint stock company. In February 2005, he entered the deposit insurance system.
Until 2010, the main owner of the bank was the chairman of the board of directors, Elena Simmons (70.47%). The shareholders also included individuals: Mikhail Nikitin (13.74%), Alexander Nigin (4.62%), Leonid Viktorov (4.06%) and Inter Capital Insurance Co Limited (1.97%).
In 2010, the composition of shareholders was completely changed, five new participants entered the capital of the bank with almost equal shares (each has less than 20% of the shares), including Georgy Gvelesiani. The latter has by now become the largest beneficiary of the bank and headed its board of directors. According to the disclosed information, Georgy Gvelesiani, through controlled organizations and under a trust agreement, currently owns a total of 67.23% of the shares of the credit institution, a member of the board of directors Ramil Zakerov owns 6.00% of the shares under a trust agreement, the chairman of the board, a member of the board of directors of Rosinterbank Marina Krasnova owns 4.92%. Natalya Akhramochkina owns 4.71% of the shares through Rentier LLC, Tatiana Gorodova through Agat LLC - 4.37%, Anton Babunko - 4.03%. Andrey Suvorov, through Expert - Real Estate LLC, controls 4.37% of the bank's shares, minority shareholders own 4.37%. Among the non-banking assets of Georgy Gvelesiani are agro-industrial enterprises of the Russian holding Dairy Assets, Germes Leasing Company LLC, as well as a number of enterprises specializing in cattle breeding, including Remputmash-Agro LLC, Germes Organika LLC, etc. .
With the advent of new owners, the bank demonstrates impressive business growth. So, at the beginning of 2010, the financial institution was in the 10th hundred banks in terms of net assets. Already at the beginning of 2011, the bank moved into the 6th hundred, by the beginning of 2012 and 2013, respectively, into the 3rd and 2nd, and since 2014 it has been fixed in the top 100.
In addition to the head office in Moscow, the bank also has 33 additional offices (in the Moscow region and St. Petersburg), three branches (St. Petersburg, Yaroslavl and Krasnodar), four credit and cash offices (in Nizhny Novgorod, Tyumen, Yekaterinburg and Kazan) and one operational office in Volgograd. In addition to the bank's own network of ATMs and terminals, customers can use a wide network of devices of banks participating in the Unified Settlement System (URS). As of January 01, 2016, the bank employed 882 employees.
Services of RosinterBank provided to corporate clients include lending programs (including educational lending programs both with government subsidies and on special terms), placement of funds on time deposits of the bank (including in Chinese yuan), maintenance of settlement accounts, payroll projects and acquiring, as well as factoring services. The bank offers a wide range of deposits to individuals, provides mortgage and educational loans, issues plastic cards of international MasterCard and Visa systems, provides settlement and cash services and money transfers via Western Union and Zolotaya Korona systems.
The largest sectors financed by the bank are construction, trade and services, manufacturing and rental business. Significant shares in the portfolio also fall on finance and investments and the purchase and sale of real estate. The Bank is a partner and participant in various government programs in the field of education, housing construction and industry. The financial institution also acts as an authorized bank of the Federal Tax Service and the Federal Customs Service of Russia.
Among the significant credit projects, the bank notes various residential complexes and shopping centers in the Moscow region, as well as in Kazan and the Krasnodar Territory, industrial companies (LLC Alania-Oil, CJSC Asfalt, CJSC Tverskoy Metall Kombinat, LLC Ural -Shina, Gavary Group Group of Companies), leasing company CJSC MTE-Finance, food industry and service companies (Giaginsky Oil Processing Complex LLC and State Unitary Enterprise United School Catering Plant of the North-Eastern Administrative Okrug), telecommunications company Tsifra 1 .
In 2013, the bank announced that it was participating in the financing of the agro-industrial business of its main beneficiary, Georgy Gvelesiani, in particular, the construction of two dairy farms in the Kaluga region. The amount of investments at that time was about 3.5 billion rubles, the project was implemented with the financial support of Rosselkhozbank OJSC and the participation of the Governor of the Kaluga Region.
Since the beginning of 2015, the net assets of RosinterBank have grown by 44.5%, or 28.9 billion rubles, amounting to 93.8 billion rubles as of April 2016. In the passive part of the balance sheet, the growth driver was funds raised in deposits of individuals (+59.4%, or 20.4 billion rubles), attracted by interbank loans (+72.2%, or 9.1 billion rubles) and capital (+31 .8%, or 2.4 billion rubles). At the same time, there is a decrease in the amount of funds on settlement and deposit accounts of legal entities (-31.2%, or 3.9 billion rubles). In the active part, the main growth was in the corporate loan portfolio (+74.3%, or RUB 21.1 billion), the securities portfolio (+24.5%, or RUB 4.9 billion) and other assets (+82% , or 3.9 billion rubles), with a decrease in the volume of interbank credits provided (-83.3%, or 1.2 billion rubles).
The Bank is highly dependent on funds of individuals, which account for 58% of all net liabilities, another 9.3% are funds of legal entities (the share decreases in dynamics), 10.8% - equity (capital), 23% - attracted funds for interbank third of which is attracted from the Bank of Russia, less than 1% - a portfolio of own bills. The client base is moderately active, the average turnover on client accounts is 30-50 billion rubles a month. The bank's capital as of April 2016 amounted to 10.1 billion rubles, the authorized capital forms 29% of its own funds. As part of the capital there are subordinated loans for a total amount of 3.8 billion rubles attracted from Germes Organika LLC, affiliated with the main shareholder of the bank, Georgy Gvelesiani, for terms of 27 to 30 years.
The structure of net assets with a share of 56% is dominated by the loan portfolio, investments in securities form 26.5%, other assets - 9.2%, highly liquid assets - 5.8%, issued by interbank loans - less than 1%.
As of April 1, 2016, the loan portfolio amounted to RUB 52.5 billion. The portfolio is 94.5% formed by loans provided to legal entities, including non-residents, as well as to state-owned commercial organizations, about 6% is retail lending. The loan portfolio is predominantly long-term, the share of loans issued for a period of more than 1 year is 68.90%. In the sectoral structure of the loan portfolio, the most significant shares fall on the construction, real estate, wholesale and retail trade sectors. "Delay" remains at a fairly low level - 4.03% of the total portfolio (as of January 2015 - 2.08%). The level of provisioning for the portfolio is at the level of 4.61% and fully covers the delay (at the beginning of the period - 2.17%). The loan portfolio is collateralized with property in the amount of 45.1 billion rubles (85.97% of the total loan portfolio), which is slightly lower than the sufficient level of security. The share of the largest borrowers in the structure of the bank's loan portfolio is 66.5% (the level of concentration is estimated as extremely high) .
Investments in securities as of April 2016 amounted to 24.9 billion rubles, while over 95% of the bond portfolio on the balance sheet is pledged under REPO transactions. Portfolio turnover is high, 500-600 billion rubles monthly. Excessive "passion" of the bank with securities is fraught with certain risks, especially in the event of a sharp drop in quotations during a period of low liquidity of the bank.
At the moment under consideration, the ratio of highly liquid assets (funds that are easily available to the bank over the next month) and the expected outflow of current liabilities indicates a critical safety margin that is insufficient to overcome a possible outflow of funds from the bank's customers.
In the interbank lending market, RosinterBank acts as a net borrower, attracting funds from the Central Bank of the Russian Federation on REPO operations, as well as from commercial counterparties. It is moderately active on the market of foreign exchange transactions, with an average turnover of 30-50 billion rubles a month.
The net profit of Rosinterbank in 2015 amounted to 1.6 billion rubles (the same indicator for 2014 - 167.8 million rubles). For the first quarter of 2016, the bank earned 85.9 million rubles.
Board of Directors: Georgy Gvelesiani (Chairman), Marina Krasnova, Ramil Zakerov, Marat Salakhetdinov, Ildar Khazhaev.
Governing body: Marina Krasnova (Chairman), Alexey Kuzmin, Konstantin Vorobyov.
Another scammer, beware!
Name: Rossinvest bank. OTP Group
Website: http://rossinvest.tk
Attention!!! The scammer can change the link to the site. In order for you to recognize the scam by its appearance, I am taking a screenshot of the top of the site. Be careful!
Verdict: There is no RossInvest bank. The divorce scheme is quite banal and already old. You fill out a questionnaire on the site, then follow simple steps to fill out fictitious applications for approved loans and see:
Ha, 8,300 rubles for applications that I didn’t even fill out correctly! Free card? Well, let's check. Filled in incorrect data on the card registration page.
Pay for the delivery of a non-existent card! Yeah, fuck you three letters swindler!
Do not try to believe in this nonsense and contact this scammer! SCAM!
Rossinvest bank. OTP Group reviews
Rossinvest bank. OTP Group scam
Rossinvest bank. OTP Group scammer
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