“Russian Standard” began its work under the name “Agrooptorg”. In March 1993, the organization was registered. After the crisis events of the late 90s, the bank became owned by Rustam Tariko, the founder of the Russian Standard brand of strong drinks. He bought it for 100 thousand dollars. After this transaction, the bank received a new name, which is still used today. Since 2004, it has been a participant in the deposit insurance system.

Russian Standard is considered the first bank to begin issuing consumer loans under the new scheme. He can be considered the founders of a new policy of commercial activity in the country's banking sector - issuing high-margin loans to the population. Such loans are issued at high interest rates.

For a long period, the bank's balance sheet was supported by a large number of public bonds on foreign and Russian markets. Employees of American Express and the global financial institution (IFC) helped the bank begin working with foreign investments. In the period 2003-2006, IFC owned a small stake in Russian Standard securities. Foreign partners often wanted to gain access to the bank's capital, but the main owner was against it. He did not enter into such agreements and allowed the banking organization to develop independently.

After competition increased in the consumer loan market, the bank began to develop new projects. “Russian Standard” began to engage in car lending and issue credit cards. Today, this financial organization is recognized as one of the main ones in the market for issuing credit cards to residents of the Russian Federation. It should be noted that the employees who previously developed loans from Russian Standard Bank and made it number one on the market have been engaged in similar activities in the Russian Sberbank for several years in a row.

The main block of shares (77.65%) belongs to Rustam Tariko himself, who is the chairman of the board of directors. The organization itself owns 22.28% of the securities.

The bank has 8 divisions. Branches are located in cities such as St. Petersburg, Voronezh, Rostov-on-Don, Kazan, Yekaterinburg, Samara, Novosibirsk, Stavropol. The bank has 2 representative offices, 235 branch offices, which are located in different regions of the Russian Federation. According to 2014 information, the total staff of the bank is over 17 thousand employees.

In 1800 Russian cities you can take out a loan from Russian Standard. In total, over 46 million plastic cards (mainly credit cards) were issued. To service them, the bank has 339 of its own ATMs and partner banks. Over 27 million residents of the Russian Federation have already used the bank’s services. Two thousand terminals of Euroset communication stores were transferred to the bank in April 2010.

Since 2005, the bank has exclusive rights to produce and service American Express cards in the Russian Federation. The bank issues and services cards from MasterCard, Visa, China UnionPay, Diners Club, Russian Standard, JCB International, and Zolotaya Korona systems. RSB focuses on the development of Internet services and mobile banking. In 2015, the DIA allocated an additional 5 billion rubles for additional capitalization of the bank, which actually means its inclusion in the list of systemically important banks and allowed it to take a place among the most reliable banks in Russia.

License of the Central Bank of the Russian Federation: No. 2289

About the bank

Russian Standard Bank is a credit organization that received a license to operate in the banking services market on August 20, 2019. The bank is included in the register of the compulsory deposit insurance system. The company provides lending services to individuals and legal entities, attracts funds from the public in deposits, services the accounts of commercial enterprises, and operates in the foreign exchange and securities markets.

Russian Standard Bank has its head office in Moscow, which is located at: 105187, Moscow, st. Tkatskaya, 36. Contact phone number of the organization: +7 495 748-07-48. In total, the financial network includes 30 branches. Plastic card holders are served by 38 ATMs.

Russian Standard Bank offers its clients a wide range of financial services.

More than 13 programs have been developed for time deposits with a maximum rate of 6.00%. Among the most profitable clients include the offers Maximum income + online, Russian Standard-20 years! , Monthly income .
22 debit card programs allow you to choose the optimal rate on your balance (maximum 7.50%). Offers with the most attractive conditions: Miles & More Visa Classic Debit Card, Bank in your pocket Digital, Bank in your pocket Gold.

2 types of consumer loan programs offer conditions with interest rates ranging from 8.00%. Best products: cash, store credit.

1 types of mortgage loans provide a minimum rate of 9.50%, the term of the agreement varies over a wide range. The Own Housing programs are considered the most attractive.

Conditions for credit cards (16 programs) include an extended grace period and a minimum interest rate (21.90%). Most of the contracts are concluded under the British Airways World Mastercard, Black Card, Miss Russia contracts.

Complete information on financial products is available on the tabs for each category of offer. Here you can check the current exchange rate for selling/purchasing currencies. Currently the euro is 70.50/68.40. Dollar - 63.10/61.00 (indicators are regularly updated). Russian Standard has an indicator in the rating of the international agency Moody’s Investors Service. In the Standard & Poor's rating - B. In the ratings for assets, deposits and loans, it took 32, 17 and 25 lines. Amounts of assets, deposits and loans - 243,701 million rubles, 153,343 million rubles. and 70,439 million rubles. respectively.

ELDORADO STORE – KINGDOM OF THIEVES A blatant lie, deception, and fraud was committed by an employee of the Russian Standard Bank in the loan processing department of the Eldorado store in Severodvinsk against me on December 14, 2017. The bank employee deceived me from the very beginning, assuring me that there were no representatives of this bank in the store, although, as I found out today, March 21, 2018, she was a representative of the Russian Standard bank. She didn't have a badge. She refused to give her last name and position. The name is known - Ekaterina. So what do you do - I asked her - as a cleaner? And I gave her my contract without her signature. Yes, she answered me, smiling, a cleaning lady. Seeing her impudent smile, I said: then write in the contract - in the monetary document - that you are a cleaner. This unknown person wrote O: I am a cleaning lady (?!). She never gave her last name. My question is to the Manager of Russian Standard Bank: why did they lie to me and brazenly deceive me in the loan department in the Eldorado store on December 14, 2017 and did not competently explain what conditions - material losses await me when applying for a loan with the cost of goods amounting to 13 thousand. With my pension amounting to 12 thousand, this is vitally important for me to know. No information was given to me by this unknown person in the loan department. If I had received information about insurance of 2 thousand 500 rubles, then I would never have taken out a loan for goods. I just wouldn't buy them from this store. I was also deceived by calling the hotline on March 21, 2018. Vladimir from Saratov answered - that’s what he called himself. He convinced me to urgently deposit money and deceived me that there was no Russian Standard Bank in Arkhangelsk. From the forced interaction from December 14, 2017 to March 21, 2018 with employees of the Eldorado store and the loan department, I realized that mutual responsibility is thriving there - lies and deceit - Deputy Director Alexander Popov, in response to what happened on March 21, 2018, replied so to me. I don't know who this person is in the loan department. Perhaps she (it) came in to do her own business and therefore does not have a badge. My impression from interacting with the employees of the Eldorado store, the loan department of the Russian Standard Bank and the Russian Standard hotline is as if I was among a gang of thieves. I demand that the unknown person - as she called herself in writing - CLEANER Ekaterina, who issued documents for me by deception, answer for her lies and deception on December 14, 2017, as well as on March 21, 2018, and reimburse the money I lost in the amount of 2 thousand 500 rubles for insurance. If this unknown person (as it turned out, an employee of the Russian Standard Bank), I repeat, had competently explained the terms of the loan, then I would not have bought any things in this store. In addition, I wrote two registered letters of complaint to Russian Standard in Moscow. And there I was deceived. Lies and deceit are everywhere. I want to find out from the Bank Manager what kind of theater of the absurd this is, where thieves are operating, a “TICKET” for which, as they counted for me, costs 17 thousand for less than a month and a half of credit? I could not even imagine such blatant group lies and deception. And if I had, I would have walked around this store many, many kilometers away. Now I know where the gang of thieves is operating. Please answer me. And accept with copies of papers on the appointed day and time.

The bank was registered in March 1993 under the name "Agroopttorg".

After the 1998 crisis, the credit institution was acquired by the structures of the creator of the Russian Standard vodka brand, Rustam Tariko (transaction value - about 100 thousand US dollars) and received its current name.

In September 2004, the bank entered the deposit insurance system.

The owners of Russian Standard Bank took as a basis the business idea of ​​Mezhcombank, which could not withstand the 1998 crisis - a focus on retail lending using scoring models, and also involved its team in the work. Specialists from the consulting company McKinsey, who also developed the concept of Russian Standard vodka, participated in creating the concept of the new bank.

Alexander Zurabov from Menatep and the first deputy chairman of the Central Bank, the late Andrei Kozlov, worked for a short time at the credit institution.

"Russian Standard" became one of the "pioneers" of the consumer lending market and, in fact, the founder of a new banking business line in Russia - high-margin consumer lending (unsecured loans to individuals at increased interest rates).

The development of the bank's business for a long time was funded through a large volume of public borrowings (bonds, Eurobonds) both in the domestic and foreign markets. Managers of American Express and the International Finance Corporation (IFC), which from 2003 to 2006 owned a small stake in the bank, helped open the doors to the credit institution’s foreign investment market. The bank's foreign partners repeatedly tried to enter its capital, but the main owner preferred to develop the bank independently and refused to make deals.

As the consumer lending market developed and became saturated and competition on it increased, the bank began new projects - the development of car lending and lending through credit cards. Currently, the financial institution remains a major player in the consumer lending market. Note that the management team, which previously developed consumer lending at Russian Standard and made it a market leader, subsequently developed a similar direction at Sberbank of Russia.

During the first half of 2015, the bank suffered losses in the amount of 22 billion rubles (according to IFRS), which led to a decrease in capital from 16 billion rubles to 0.6 billion rubles. Rustam Tariko was forced to additionally capitalize the bank with shares of his own alcohol companies for a total amount of about 15 billion rubles. The Bank took a number of measures to stabilize the structure of liabilities and increase the level of capital adequacy. In particular, in September 2015, holders of subordinated Eurobonds of Russian Standard Bank for $550 million were offered a plan to restructure their obligations.

In October 2015, the Bank of Russia and the High Court of London approved the credit institution’s proposal to restructure Eurobonds with maturities in April 2020 and January 2024. Prior to approval, more than 80% of Eurobond holders voted in favor of the restructuring procedure. In accordance with the terms of the transaction, investors received accrued interest and 18% of the nominal value of the securities, and the remaining amount was exchanged for bonds of a special company Russian Standard Ltd, controlled by Roust Holding Limited. These bonds were secured by a 49% stake in Russian Standard Bank. The volume of the issue was $451 million, with a maturity date of 2022. As a result of the restructuring deal, the bank managed to complete 2015 with a profit.

In December 2015, Russian Standard received 5 billion rubles in capital from the DIA under the additional capitalization program through OFZ. In addition, the subordinated loans received by the bank include a loan from VEB, attracted in October 2009, in the amount of 4.96 billion rubles and maturing in December 2019.

In October 2017, Russian Standard Ltd. did not pay the coupon to investors - about $7.3 million, after which the paper holders demanded early redemption of the bonds. In March 2018, the company offered investors to pay 25% of the bonds' par value or 20% of the par value plus a portion of the bank's profit. However, this option does not suit investors who intended to launch the procedure for withdrawing the bank's shares. According to various estimates, these lenders own over 27% of defaulted bonds.

In September 2018, representatives of investors (including Aleia Trading Inc., hedge fund Farragut Square Global Master Fund, Pala Assets Holdings Limited and Amundi Asset Management) sent a letter to the Central Bank complaining about the opacity of the transaction for the bank’s sale of 6% of the alcohol holding company Roust Corporation in December 2017, a company affiliated with Russian Standard.

According to media reports, in June 2019, the same group of investors hired Russian Standard Ltd. for negotiations. investment division of Alfa Group - company A1.

As of August 1, 2019, the volume of net assets of the credit institution amounted to 338.17 billion rubles, the volume of equity funds - 46.45 billion rubles. At the end of the first half of 2019, the bank showed a profit of 5.01 billion rubles.

Network of divisions:
head office (Moscow);
138 credit and cash offices;
37 additional offices;
12 operational offices.

Owners:
Rustam Tariko – 100.00%.

Rustam Tariko is the main co-owner of the Russian Standard holding, which, in addition to the bank, the credit bureau of the same name and the insurance company Russian Standard Insurance (financial direction), includes the premium vodka manufacturer of the same name, as well as one of the largest distributors of premium alcoholic beverages in Russia foreign production "Rust" and wine producer Gancia.

Board of Directors: Rustam Tariko (chairman), Alessandro Picchi, Sergey Berestovoy, Sergey Ikatov, Mikhail Khmel, Irina Alexandrova.

Governing body: Alexander Samokhvalov (chairman), Sergey Berestovoy, Evgeny Lapin, Eduard Bystrai, Natalya Chernyshova.

Registration number: 2289

Date of registration by the Bank of Russia: 31.03.1993

BIC: 044525151

Main state registration number: 1027739210630 (03.10.2002)

Authorized capital: RUB 1,396,333,000

License (date of issue/last replacement) Banks with a basic license are banks that have a license whose name contains the word “basic”. All other operating banks are banks with a universal license:
General license for banking operations (11/19/2014)

Participation in the deposit insurance system: Yes

Russian Standard Bank is a large national financial institution. This commercial bank was founded in 1999. The main office of JSC Russian Standard Bank is located in Moscow. More than 97% of the voting shares of this bank are controlled by the Russian Standard company. Its client base represents more than 30 million clients,

Russian Standard Bank considers the following as priority areas:

• Acquiring/contactless (NFC), Internet acquiring, and credit cards with Troika transport content, American Express® cards from the Centurion line;
• Issue of credit cards;
• , renewable lines of credit, ;
• Settlement and cash services for individuals and legal entities;
• Providing overdrafts, trade finance;

As a brand of Imperia Private Banking, this bank provides VIP client services.

It is actively represented in the European part of the Russian Federation and Western Siberia: St. Petersburg and Voronezh, Rostov-on-Don and Yekaterinburg, Ufa and Kazan, Samara, Omsk, Novosibirsk. Russian Standard operates through more than 200 branches. The bank provides remote services using more than 3,000 of its own ATMs and more than 40 thousand partner ATMs.

JSC Russian Standard Bank is a leading private lending bank and a significant financial leader in Russia.

The Board of Directors is headed by Chairman Rustam Tariko. The council also includes Dmitry Levin, Larisa Tikhonova, Alexander Zelenov, Mikhail Khmel.

The board is headed by Chairman Dmitry Levin. Also participating on the board are Denis Gubanov, Andrey Frolov, Vladimir Pyshny, Nikolay Itskov, Irina Khaustova, Ivan Glazachev.

REFERENCE INFORMATION

JSC Russian Standard Bank