The bank was registered in March 1993 under the name "Agroopttorg". After the crisis of 1998, the credit institution was acquired by the structures of Rustam Tariko, the creator of the Russian Standard vodka brand (the value of the transaction is 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 ​​Mezhkombank, which could not stand the crisis of 1998 - a focus on retail lending using scoring models, and also attracted its team to work. Specialists from the consulting company McKinsey, who also developed the concept of Russian Standard vodka, took part in creating the concept of the new bank. Alexander Zurabov from Menatep and the late Andrei Kozlov worked in the credit institution for a short time.

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

The development of the bank's business has long been funded by a large amount of public borrowings (bonds, eurobonds) both in the domestic and foreign markets. The credit institution was helped to open the doors to the foreign investment market by managers from American Express and the International Finance Corporation (IFC), which owned a small stake in the bank from 2003 to 2006. Foreign partners of the bank have repeatedly tried to enter into its capital, but the main owner preferred to develop the bank on their own and refused to deal.

With the development and saturation of the consumer lending market and increased competition on it, the bank embarked on new projects - the development of car loans and lending through credit cards. At the moment, the financial institution is one of the largest players in the market of "card" lending to the population. It should be noted that the management team, which previously developed consumer lending in Russian Standard and made it the market leader, subsequently developed a similar direction in Sberbank of Russia.

The beneficiary of the bank is the chairman of the board of directors, Rustam Tariko, who owns 100% of the shares through controlled companies.

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 producer 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.

The service network of Russian Standard Bank includes over 150 branches in 85 cities of the Russian Federation. In addition, the bank has a wide network of self-service devices in Moscow and the regions where it operates. As of July 1, 2018, the network was represented by 507 multifunctional ATMs, 151 payment acceptance machines, 21 cash dispensers and four receiving ATMs. In mid-October 2018, the bank opened its first branch in the mini-office format and plans to continue opening similar offices in popular shopping centers in million-plus cities. Also, since May 2018, the bank's consumer loans are available at sales and service centers of Rostelecom. As of December 31, 2017, the number of employees of Russian Standard Bank, according to the consolidated financial statements under IFRS, was 9,017 people (8,556 people a year earlier).

Consumer lending to the population, including lending with bank cards, remains a priority area of ​​the bank's activity. At the end of June 2018, the credit institution issued over 46 million credit and debit cards. To date, the bank offers more than 30 types of different cards, including "status" American Express and Diners Club. The bank has exclusive rights to acquiring American Express in Russia and issuing cards of the Centurion line, and is also a strategic partner of Diners Club International and Discover in issuing and servicing payment systems cards in the Russian Federation and Ukraine. In September 2018, the financial institution launched installment plans with American Express cards. In general, the list of bank services for private clients includes the issuance of cards, consumer loans, a line of deposits, remote services, transfers and payments. The total number of individuals served by the bank at the end of the first half of 2018 exceeded 28 million customers.

The bank's client policy in the field of corporate clientele is focused on providing banking services to trading and manufacturing enterprises and organizations (the bank is one of the leaders in the field of merchant acquiring), actively operating in the consumer market, as well as companies engaged in export-import operations. The list of bank services for legal clients includes Internet acquiring, merchant acquiring, transfers and payments in the client's payment infrastructure, credit products, cash settlement services, depository services, payroll projects, trust management, consumer lending to the company's clients, etc. In September 2018, the bank began to provide its acquiring clients from the segment of small and medium-sized businesses with business financing services in partnership with microcredit companies.

The volume of net assets of the bank for the period from the beginning of January to the beginning of September 2018 decreased by 6.3% - to 366.2 billion rubles. During the period under review, the bank repaid more than a third of the debt on borrowed interbank loans. There is also a reduction in equity capital (-8.2% in accordance with the methodology of the Bank of Russia) due to losses incurred. The decrease in these indicators was largely offset by an influx of client funds, mainly in the form of short-term corporate clients' deposits (+36%). In assets for the period under study, there was a decrease in almost all major items. The most significant decrease in absolute terms (-11.4 billion rubles) was recorded in the retail loan portfolio (-9.1%), and the most noticeable in relative terms (-51.9%) - in the portfolio of issued interbank loans (-1. 3 billion rubles).

In the bank's liabilities, since the beginning of 2018, the concentration on household deposits has slightly increased. Their share increased from 41.8% to 47.1% of liabilities as of the reporting date. The share of funds of enterprises and organizations has also grown, but it lags behind the funds of the population and amounts to 14.6% (funds of legal entities are almost completely formed by deposits for a period of three to six months). Almost the same amount is occupied by attracted interbank loans (mainly short-term loans from Russian banks), and a slightly smaller share is accounted for by equity capital.

Due to the bank's concentration on serving individuals, the financial institution's corporate client base is small, but it demonstrates stable payment dynamics: monthly turnover on the accounts of corporate clients since the beginning of 2018 has been on average in the range of 25-113 billion rubles. The main activity falls on the funds of individuals, whose monthly turnover on current and card accounts in 2018 averaged 40-45 billion rubles. Dependence on the funds of the population is assessed as high.

As of September 1, 2018, the bank's equity capital adequacy ratio (N1.0) was 10.8% (with a minimum of 8%), the core capital adequacy ratio (N1.2) was 9.0% (with a minimum of 6%). It should be noted that in previous years the bank experienced serious difficulties in meeting capital adequacy at all levels. Thus, in 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. The main shareholder of the bank, Rustam Tariko, was forced to 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 USD 550 million were offered a plan to restructure liabilities. In October 2015, the Bank of Russia and the London High Court approved the bank's proposal to restructure Eurobonds maturing in April 2020 and January 2024. Prior to approval, more than 80% of Eurobond holders voted in favor of approving 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 amounted to $451 million, the maturity date is 2022. As a result of the restructuring deal, the bank managed to end 2015 with a profit.

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

It should also be added that in December 2015, Russian Standard received 5 billion rubles in capital from the DIA under the additional capitalization program through OFZ. In addition, subordinated loans received by the bank include a loan from VEB raised in October 2009 in the amount of RUB 4.96 billion maturing in December 2019.

As of September 1, 2018, the net asset structure is dominated by the share of the securities portfolio, which is 42.8%. A significant part of the bank's investments is represented by bonds, 83% of the portfolio of which as of the reporting date was pledged under REPO transactions. The Bank regularly uses almost the entire debt portfolio in REPO transactions. Only in recent months, the turnover on the accounts of securities transferred as collateral ranged from 300 billion to 460 billion rubles.

The total loan portfolio of the bank for the period under review decreased by 9.2% - to 135.2 billion rubles by September 1, 2018. The main reduction (-11.4 billion rubles) was assumed by the retail portfolio, whose share in the total loan portfolio is 85% as of the reporting date (mainly credit card debt). The level of overdue debt is traditionally high, although it has slightly decreased since the beginning of 2018 - from 36.9% to 30.2% of the total portfolio. The provisioning level corresponds to a high share of delinquency (which leads to a large burden on the profit and capital of the credit institution), amounting to 31.7% of the loan portfolio as of the reporting date (38.0% at the beginning of 2018). The level of security of the loan portfolio with property pledge is minimal - 4.5% (due to the bank's specialization in retail unsecured lending).

The bank is very active in the interbank lending market. It mainly acts as a net borrower, attracting the bulk of liquidity from Russian banks secured by securities (through REPO transactions), but also places excess liquidity, although in much smaller volumes. The Bank acts as a market maker in the field of conversion operations; monthly turnover on foreign exchange transactions since the beginning of 2018 ranged from 1.7 trillion to 2.6 trillion rubles.

According to the reporting under RAS, in January-August 2018, the bank earned a profit in the amount of 863.2 million rubles (for the same period in 2017 - 5.4 billion rubles). Profit for the entire 2017 amounted to 4.5 billion rubles.

Board of Directors: Rustam Tariko (chairman), Alexander Zelenov, Larisa Tikhonova, Mikhail Khmel, Sergey Ikatov, Sergey Berestovoy.

Governing body: Alexander Samokhvalov (chairman), Sergey Berestovoy, Evgeny Lapin, Denis Gubanov.

Russian Standard Bank offers its customers a modern software package with a large number of functions - Internet Banking. To use the service of this service, current and future customers need to visit any branch of the bank and draw up a service agreement.

Address: online.rsb.ru

Registration in Russian Standard Internet Bank

To connect to the Internet banking system, several steps are required.

• Step 1 - take your passport of a citizen of the Russian Federation with you and come to one of the 200 bank branches.
• Step 2 - draw up and sign a package of bank services.

Upon completion of this procedure, an SMS message will be sent to you, which will contain the complete information that is needed to start working on the network.

The bank also offers a comprehensive product "", which by default contains the Bank Online service. You can buy it in one of the 2.5 thousand partners of Russian Standard Bank - Technomarket, Eldorado, Technosila stores, etc. Immediately after activating the card, the service becomes available.

Login to Russian Standard Internet Bank

When the service agreement is signed, an SMS will be sent to the mobile phone within a few hours with the data for the initial login to the system (the speed depends on the degree of service load). After receiving the login and password, you need to go to the login page, enter the login data and, according to the recommendations of the program, set it up for personal use.

It is important to pay attention to the following point: when the Russian Standard Internet Bank is connected to the phone number specified by the client during the registration of the service, two SMS messages arrive - one contains the username and password for logging in, the second short message contains a link where you can download the Mobile bank, as well as data for its identification. You need to make sure not to confuse the login and password for entering the Internet Bank with the data for accessing the Mobile Bank. Later, cabinets in both systems can be synchronized, after which authorization will occur using the same password and login.

Personal Area

Connecting to the Internet Bank allows you to issue loans and repay loan payments, replenish deposit accounts, pay utility bills to various accounts, receive information about the status of the account, as well as on loan payments, etc.

The Internet Bank is available to the client at any time of the day, without weekends and holidays. Clients can be absolutely calm about the safety of their funds, since the degree of protection of the service of remote access to the account is exceptionally high, theft of information or an attempted hacking is almost impossible.

If you have lost your phone or SIM card, you need to urgently contact the bank branch or call the support service to block access to the Internet service.

It should be noted that the recovery of this bank is in first place in Russia. Other banks try to imitate his system and learn from experience. Also, RS was the first to make the BKI base. Today it is one of the largest.

Russian Standard Bank - history

In March 1993, a bank called "Agroopttorg" was born, but already in 1998, the well-known alcohol brand Rustam Tariko "Russian Standard" bought the enterprise and gave it its modern name.

The main activity of the bank was consumer lending to the population. For a more effective result, it was decided to use a scoring system. What it is, you can read in the article "".

The financial institution was one of the first to enter the market of high-margin loans and became the founder of this direction. As a result, it created its own Credit History Bureau (BKI). One of the largest in Russia.

Russian Standard Bank - services

At the moment, the bank offers a huge range of services for both individuals and legal entities.

Russian Standard Bank - collectors

This is not only a successful business in the field of lending, but also a serious direction in the field of debt collection. Calculable profit in this field, tens of millions of rubles monthly.

The bank owns the ASD collection agency and also employs professional collection officers in the four stages of delinquency.

Bank lawyers work with debtors in the legal field, and also maintain close communication with FSSP employees.

Internal control officers try to stop the unlawful activities of their claimants and react sharply to customer complaints.

The organization of the collection scheme in RS is a benchmark for most banks and collection agencies. Many small banks are trying to work with the ASD, as one of the more reliable and proven debt repayment levers.

Russian Standard Bank today, is one of the largest and most profitable projects that combines several lines of business and provides services on all financial fronts.

Dear readers, leave your comments about Russian Standard Bank. If you have any complaints, feel free to write, only without obscene expressions. We will try to transfer them to bank representatives to resolve issues. Do not forget to indicate your full name, city and bank branch.

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 with the word “basic” in the name. All other operating banks are banks with a universal license:
General license for banking operations (19.11.2014)
Licenses

Participation in the deposit insurance system: Yes

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

Russian Standard Bank considers as priority areas:

• Acquiring/contactless (NFC), Internet acquiring, and credit cards with Troika transport content, American Express® cards of the Centurion line;
• Issue of credit cards;
• , renewable credit lines, ;
• 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 in 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 service using more than 3,000 of its own ATMs and more than 40,000 partner ATMs.

JSC Russian Standard Bank is a leading lending private 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. Denis Gubanov, Andrey Frolov, Vladimir Pyshny, Nikolay Itskov, Irina Khaustova, Ivan Glazachev also participate in the board.

REFERENCE INFORMATION

JSC Russian Standard Bank

Born March 17, 1962 in the Tatar city of Menzelinsk. He earned his first money by singing, having organized a vocal and instrumental ensemble at school. At the age of 17 he left for Moscow and entered the Moscow Institute of Transport Engineers (MIIT). He graduated from the institute in 1987. In the late 1980s, while still a student, he began working at the Business Tour travel agency, which organized business tours for foreigners.

Since 1990, Tariko has been a consultant for the Italian companies Ferrerro and Martini & Rossi. He received exclusive rights to distribute Martini. Within three years, Tariko created a national distribution network and signed an exclusive contract with United Distillers to distribute Johnnie Walker whiskey. When this company merged with International Distillers & Vintners in 1998 to form Diageo, Tariko became a distributor for Smirnoff, Bailey's and Metaxa.

In 1992, the company ROUST Inc. was founded, which by 1994 became the largest Russian importer of expensive alcoholic beverages.

In September 1998, immediately after the August default, Tariko launched the production of high-quality Russian Standard vodka. In the same year, the Russian Standard company was founded. In 1999, he bought Agrooptbank, renamed it Russian Standard, and engaged in consumer lending.

In 2000 he graduated from the French business school INSEAD Executive School.

In 2002, Bacardi-Martini, which started Tariko's business, terminated the contract with Rust, and the company lost 50% of its turnover. After that, Tariko signed an agreement with Gruppo Campari on the distribution of Cinzano, and in 2005 signed a distribution agreement with Remy Cointreau.

In March 2005, Diageo terminated the contract with Tariko. Thus, Tariko's alcohol business lost 70% of its turnover.

In December 2006, Tariko bought the Internet domains Vodka.com and Vodka.ru for the international promotion of vodka and the Russian Standard brand.

Rustam Tariko currently holds the position of Chairman of the Board of Directors of Russian Standard Bank CJSC.

According to the Finance magazine, at the beginning of 2009 Rustam Tariko's fortune was $1.1 billion.

Rustam Tariko is the winner of the "Business Style" award (the award is given to an entrepreneur who has developed and successfully practices his own effective business style).

He is not officially married, but has three children.
Source: rian.ru from 02/26/10

The Russian Standard holding, headed by Tariko, unites the bank, Russian Standard Insurance CJSC, Russian Standard Vodka LLC (vodka production), Rust Inc. CJSC. (distribution of alcoholic beverages), LLC "Miss Rus Company" and other commercial structures.
Source: gzt.ru from 02/25/2010

Dossier:

The press wrote about the scandal associated with the failed sale of 50% of the shares of the Russian Standard holding, which controls 90% of the bank of the same name. In July 2004, it was announced that the French bank BNP Paribas would be the buyer in this deal. But in December 2004, it became known that the deal fell through. BNP Paribas said that the transaction did not take place due to the fact that "the owner of the Russian Standard company did not fulfill its obligations." Experts suggested that the reason for the failure of the deal was Tariko's desire to sell half of the holding at a higher price. The French company filed a lawsuit against the Russian Standard holding in the Supreme Court of London with a request to oblige the former partner to pay compensation to the bank. In September 2005, it was announced that the parties had decided to end the lawsuit. Terms of the five-year agreement concluded at the same time were not disclosed. According to some reports, in the event of the sale of more than 10% of the bank's shares to another investor, the businessman will have to pay the French bank a fine equal to the amount of the transaction. And Tariko's departure from a senior position in the bank will cost him $25 million.
Sources: "Russian Courier" dated 10/09/2006, "Kommersant" No. 176 (3260) dated 09/20/2005

Rustam Tariko appeared in a scandal involving the issuance of consumer loans by Russian Standard Bank. In 2007, Rospotrebnadzor was inundated with complaints from borrowers who reported that the bank violated their rights when granting loans. In particular, it was pointed out that the bank sent out credit cards by mail that could be activated by phone, and the call center operators did not provide complete information about this service and the consequences of its conclusion, and the real fee for using the loan turned out to be several times higher. the one they called.

The head of Rospotrebnadzor, Gennady Onishchenko, was so imbued with the troubles of citizens that he promised to publish their letters. In June 2007, the Prosecutor General's Office instructed the Central Bank, the Federal Antimonopoly Service and the Federal Financial Monitoring Service to conduct an audit of Russian Standard, which confirmed that the bank violated the law "On Protection of Consumer Rights" - did not provide borrowers with complete and reliable information, did not bring to consumers information about the consequences of concluding contracts, and the real fee for using the loan turned out to be several times higher than the declared one.

The scandal came to naught after Rustam Tariko was invited to the Prosecutor General's Office for a conversation. After that meeting, on July 16, 2007, the Prosecutor General's Office announced that, at its request, Russian Standard Bank had decided to cancel from August 15, 2007, monthly commissions (account maintenance fees, settlement services fees) for all loans provided by the bank, to restructure debts customers with the abolition of fees for missing payments and penalties, as well as to stop the assignment of rights of claims against citizens to the Debt Collection Agency LLC.
Source: newsru.com from 06/27/2007, 17.08. 2007, 23.08. 2007, "Russian Courier", 09.10.2006

As reported, the bank's management then estimated the losses of "Russian Standard" from 50 to $200 million (for a year and several years, respectively).
Source: slon.ru from 18.05.09

Rustam Tariko was mentioned in the press in connection with the issuance of American Express cards in Russia. As reported, in 2005 Russian Standard entered into an appropriate exclusive agreement with American Express. Experts were skeptical about this venture, noting that AmEx green cards are aimed at customers whose income is much higher than typical Russian Standard customers. In addition, as they wrote in the press, in the summer of 2007 relations between Russian Standard and the leading operator of the Russian plastic card market, USC, broke down. As a result, as reported, it was problematic to pay with AmEx cards in Russia for a long time.

According to the press, after the Russian Standard Bank began issuing AmEx cards, the holders of these cards began to resort to the services of other systems. Rustam Tariko's bank failed to attract clients from an elite audience. After that, green cards began to be distributed in shopping centers to almost everyone. But the general population was not very interested in the product, "sharpened" primarily for shopping in expensive stores and traveling. Then "elite plastic", as well as the infamous Master Card cards, began to be sent by mail. It was reported that the classic methods of servicing ordinary cards by Russian Standard were also transferred to AmEx - charging a fee for the annual service of actually unused cards, not providing customers with complete information about the state of the account, etc.

This development was accompanied by two resignations. First, the head of the Russian division of AmEx, Jonathan Knaus, left his post, who, as the press wrote, at one time recommended the head office of the American company to carefully look at the Russian Standard's proposal for cooperation. And then the resignation of the head of the division of "Russian Standard" involved in AmEx, Rafael Carrakosa, took place. Referring to rumors, the press reported that he often expressed his lack of understanding of the methods by which the bank is trying to distribute AmEx in Russia, but could not seriously influence the situation.

There is no information in the press indicating that the American company has withdrawn the exclusive rights to issue AmEx cards in Russia.