As you know, the well-known Russian Standard Bank is under the roof of some kind of negativity, both current and former customers. Moreover, over the past few years there have been rumors that Russian Standard Bank is closing and everything like that. Therefore, in order to clarify the situation, it is necessary to understand it in more detail and draw certain conclusions about what will happen to the bank in the future against the background of the banking crisis.

In order to understand the current situation with the bank and what is the stability of the bank at the present time, it is necessary to carefully consider the dynamics of the bank's financial indicators, as well as pay attention to the bank's ratings from various rating agencies. Therefore, let's proceed and put on display the main problems in the bank for December 2015:

• Very low liquidity, it is unstable in the bank, as current liquidity, and instantaneous, and also tends to a clear drop (please do not confuse with a simple decrease). Moreover, it is also worth noting that the liquidity ratios, to put it mildly, do not reach the optimal values. In general, this suggests that the bank has practically no first-class liquid funds.
• Just a huge dependence on borrowed funds (an indicator of at least 70%), that is, the bank exists mainly at the expense of customers' funds, if there are none, the bank will immediately go bankrupt
• Critical margin of safety (the bank will not be able to cope with any outflow of funds in the form of current liabilities, not for nothing, there are reviews on the Internet that the bank cannot pay deposits immediately on the day of application, this suggests that “somewhere they are looking for money for payments "")
• The bank's strength is unstable and constantly declining with no clear signs of recovery
• A high share of overdue loans, which increased in 2015. This suggests that the bank does not currently have reliability for customers.
• The bank has a growing share of provisioning for loan losses, and there are no signs of its decrease, and this once again shows that the bank is not reliable
• Volatility in the dynamics of attracting deposits from individuals, and in March, April, May, October and November 2015 outflows of deposits were recorded
• The bank has low ratings from Moody's and S&P accredited agencies with high exposure to credit risk and weak creditworthiness. In general, forecasts from agencies are negative with the possibility of downgrading
• Low provisions for possible various losses on liabilities, securities, loans
• High share of non-performing loans - about 30% (about 60 million rubles out of total loans of about 204 million rubles)
• The bank has a risky business policy (the bank specializes in retail sales, as a rule, consumer loans, and the bank invests almost 50% of its assets in securities)
• Russian Standard Bank has a very high refinancing ratio, which doubled in November 2015, that is, the bank is dependent on interbank loans provided by other banks
• Low short-term liquidity for Basel 3. This suggests that the bank is critically unreliable. A noticeable deterioration in the situation was noticed in September 2015 and no recovery has yet been seen

But do not rush to conclude that the bank is in a pre-bankrupt state!

Positive in Russian Standard Bank

Despite the fact that the financial performance of the bank, to put it mildly, is not very good, since the bank's activities are unprofitable, the bank is kept afloat, providing it with solid financial support.

So, in August 2015, it became known that Russian Standard Bank would receive up to 5 billion rubles from the state through OFZ (bonds federal loan). Funds will be allocated from the NWF (National Welfare Fund). This was officially announced by the government of the Russian Federation.

In general, if the state had not provided support to the bank, then at the end of 2015, or at the beginning of 2016, its license would have been revoked, or the bank would have been sanitized by other banks. But there is support from the state and the bank is very large in Russia, because it is in the top 40 in terms of assets. And based on this, we can conclude that the bank will be kept afloat.

However, there is another side of the coin - it is impossible for a bank to provide state support all the time, and such a scenario is quite possible when the bank's financial indicators do not improve for the better and it will already be decided either to liquidate it through the revocation of the license or to sanitize it. And most likely it will be so - the bank will not be able to enter a positive trend in the form of profit and the Central Bank will begin to tightly control the bank's activities. The only question is time. When exactly this will happen is hard to say.

General withdrawal for Russian Standard bank

We advise you to close bank deposits and not to make new ones, since the bank's activity as a whole is in an unsatisfactory state and the assistance provided by the state does not count. This is especially true for large depositors who keep more than 1.4 million rubles on deposits. It is better to transfer funds to a more reliable bank.

However, if you have broad financial resources, then it is still possible to keep a million rubles in a bank as a deposit, since the bank is in the deposit insurance system and if the bank does go bankrupt, insurance payment up to 1.4 million rubles will be implemented in full.

Why you should not make deposits in banks?

If you didn’t know, then we will tell you that now, especially in times of crisis, bank deposits are opened only by people who are not friendly with their heads, this is especially noticeable among pensioners, and there are also plenty of such people among the working population.

Going to a bank, especially with large sums, and making a deposit there, you immediately make one big mistake, and apparently not realizing that there is a risk of losing money everywhere, even in any bank.

In addition, it is also worth noting that there are excellent alternatives to bank deposits on the market that have the same risk, but with much higher returns. And it is precisely these alternative opportunities that we advise everyone to use, because the capital from banks is gradually reduced to zero and sooner or later there will be no money left in banks at all, and this process is taking place at this time and will continue until the number of banks decreases significantly.

If you did not know, now business does not go to banks for loans; they simply do not give them there. Business goes to people for capital, through the so-called crowd-investing, when businesses are financed by individuals and this is the future. Banks are gradually becoming obsolete and becoming a thing of the past.

For this reason, we recommend that you familiarize yourself with the information about “?”, since it is known that in the future no one will really earn money in banks, which means that you already need to engage in real investments in order to live on interest and receive a constant passive income.

In addition, it should be noted and understood that more than 30% of the capital by millionaires is invested in business projects!

And precisely for such reasons, it is no longer necessary to cooperate with banks in terms of business development, as well as the preservation of capital and its increase.

Invest money in business and other financial instruments - it is much more profitable and reliable.

The portfolio of Russian Standard Bank, which issues unsecured retail loans, grew this October for the first time in several years, Vedomosti writes, citing a UBS report. Even though the bank is doing much better, its sister company Russian Standard Ltd did not pay a $35 million coupon on the bonds. 49% of the shares of Russian Standard Bank are pledged on these securities, and in case of default they can be left to investors.

Konstantin Zusmanovich, CEO Financial Mechanics:

Judging by financial reporting bank (the link to "information for investors" on the bank's website at 12:50 Moscow time did not work, the analysis used data from the kuap.ru website, which provides the most complete information and analytics on bank statements), any noticeable increase in "" not planned: according to the results of the third quarter of 2017, there was a slight, but still, decline in both assets as such (by 10.5%) and their income, which also decreased by 15% since the beginning of the year.

This reduction is all the more noticeable when compared with the figures at the end of 2015 - since then, assets have decreased by 29%, and their income by 39.7%. At the same time, the bank also showed a 13.4% drop in borrowed sources of financing since the beginning of the year and a slight increase in its own sources (capital) - primarily due to the profit received. Which, however, according to the results of three quarters, still falls short of the size of the losses of last year: 5.54 billion rubles against 8 billion losses in 2016. Compared to the profit at the end of 2016 - 16.5 billion - the figures are also very modest.

The main source of profit for such a bank is net interest income (the difference between interest income and interest expenses), which is quite high for Russian Standard due to the chosen model - rather high-risk and, as a result, high-margin lending. Also, reserves for possible losses (they are large, more than 6 billion were accrued in three quarters of 2017 alone, which is also typical for a high-risk lending model) and staff costs have a great impact on profit. The latter cause serious concern, since with a reduced amount of earning assets, they tend to grow since the beginning of the year (typical, however, for 2016 as well) and, if the dynamics are maintained, their results may exceed last year's figure of 7.85 billion rubles.

As can be seen from the above figures, the bank is not in the best situation in its history. Regarding the bank's plans to increase loan portfolio and earning profits - I fully agree with the opinion of experts given in the Vedomosti article that it will not be easy to win a significant share in the highly competitive market of unsecured and high-risk lending. Moreover, in most cases, it is possible to attract customers in this market by: 1) radically new products / technologies; 2) which is much simpler and at the same time more dangerous - by lowering rates, which entails a decrease in the marginality of the core business; 3) care in even more risk segment, approaching in essence microfinance, promising increased marginality, but fraught (over time) with a deferred negative effect - an increase in the accrual of reserves for possible losses, which, again, will reduce profits. True, in the future.

An alternative tool to increase profitability for a bank may be to reduce the cost of asset financing sources, but this means lowering deposit rates - first of all individuals, which account for approximately 3/4 of paid borrowed sources, and Russian Standard does not have an increased reputation as a highly reliable bank compared to other market players, that is, a noticeable decrease in the deposit rate will most likely lead to a decrease in the volume of deposits, which will have to be compensated from other sources, with a certain probability - more expensive. That is, this approach also has its drawbacks. In general, in my opinion, the situation with Russian Standard is difficult, but far from hopeless: from the side of an observer with open information, it is in a difficult, but not yet “deadly” situation, which theoretically can be improved by decisive and non-standard actions of the management .

On the official website of Russian Standard there is an Internet service called "Internet Banking". The service is provided completely free of charge. Each client of the bank can use this service, regardless of whether he has a loan agreement, a credit card or a deposit. The official website of the bank online offers to receive the following information:

• close and take away the license from the bank;
• what are the deposits of individuals in 2016;
• admission Money;
• write-off;
• current debt;
• closing the contract;
• state of the personal account;
• and much more.

Russian Standard Bank is closed and the license is taken away

The bankruptcy of banking organizations is an integral part of the crisis. Many banks close and take away the license in 2016. Revocation of licenses has become the rule rather than the exception. The Central Bank has organized a major financial control and audits many companies to protect the deposits of individuals.

But the organization looks quite confident despite the promotions interest rates under loan agreements and reduction of limits on credit cards, as a forced measure, which was applied by Russian Standard Bank. Loan debtors will not find the list on the site, since such a list cannot be drawn up and put up for public review from a legal point of view. The law forbids doing this.

Has the Central Bank revoked the license from RSB?

Many are wondering, are they closing and taking away the license from the RSB? And if they close, will they forgive the loan? And what will happen to the deposits of individuals in 2016? As of today, there is no cause for concern. Commercial Bank Russian Standard, like many other large joint stock banking organizations, for example, VTB is not included in the list for closing the Central Bank. Which companies to lose a license can be tracked online on the website of the Central Bank of the Russian Federation.

The past year and the start of this year has been challenging for many companies. Joint-Stock Company Russian Standard, in order to save money on fixed assets, closed branches in St. Petersburg, Moscow, Ufa, reducing the number of employees, but is not going to revoke the license.

News and problems for today according to the Central Bank

Which companies will still lose their licenses and who will return the deposits of individuals in 2016? The main reason for closing was the large percentage of unrecorded deposits of individuals. Joint Stock Bank Russian Standard was not among them. Recently, many organizations in the field of banking services are changing their policies in accordance with the instructions of the Central Bank.

The latest list, where the authorized members from the Central Bank went, must be checked on the website of the Central Bank. The registration number, region and name of the bank are indicated there. And you can read the latest reviews of banking companies on the banki.ru resource.

Russian Standard Bank and its offers

Retail, i.e. commercial Bank Russian Standard offers all its customers the service of Internet banking. On the site in the upper right corner, you can select the Internet banking service. Registration will not take long. The website address is online.rsb.ru. To enter, you must enter your username and password, and an SMS with a confirmation code will be sent to your phone.

In your personal account, you can find details, such as a bik, or transfer funds, see the accrued interest under the loan agreement and the total cost of the loan, and an application for information is also made here.

Internet banking is one of the most convenient ways check the information under the contract, which in modern world become irreplaceable. To simplify the search for a personal account, you can drive in a phrase in a search engine: Russian Standard bank Internet bank entrance (there you can also find out whether the license is closed and taken away from the bank or not).

Deposits of individuals in 2016

Cities with RS offices: Moscow, St. Petersburg, Yekaterinburg, Voronezh, Novosibirsk, Saratov, Volgograd, Perm, Tver, Kirov, Bryansk, Orenburg, Krasnoyarsk, Kazan, Nizhny Novgorod, Cheboksary, Lipetsk, Samara, Krasnodar, Petrozavodsk , Penza, Rostov-on-Don, Kursk, Ulyanovsk, Kaliningrad, Smolensk. In many large cities, such as St. Petersburg, there are several branches.

Russian Standard Bank hotline - latest news

Information on the status of your account at the addresses of branches and ATMs can be obtained free of charge by calling mobile phone by number (there you can also find out whether the license is closed and taken away from the bank or not). It will be necessary to prepare the contract number and passport data in advance, as employees can identify the client.

In some cases, a code word is required. The hotline can be called from anywhere in Russia. Call by hot line saves time spent on a trip to the branch. It is possible to order a repayment certificate by phone loan agreement, account status, cash flow and much more.

Russian Standard Bank online

Russia and Ukraine are the two countries where SSR is represented. Residents of these countries can use the services of both online and offline Russian Standard Bank. Deposits of individuals in 2016 can be issued by leaving online application in your personal account.

Internet banking allows you to control the receipt and debiting of funds without leaving your home. The client will always know whether everything is in order according to his contract, how the bank is developing, whether the bank is closed and the license is taken away or not.

Personal Area

On the site rsb.ru in the upper right corner there is Personal Area for clients. If you haven't registered yet, you can easily do so. This is a fairly convenient and multifunctional service that allows you to track information on your agreement online and find out whether the license is being closed and taken away from the bank or not. It is enough to fill out a simple registration form, an SMS with a password will be sent to the phone number specified at the time of making a loan or deposit in the client's profile.

Reliability Rating

The Central Bank on its official resource has updated the rating of banks' reliability. RSB, which is subject to many rumors, is among the TOP 20, which is a fairly good indicator. Russian Standard is developing steadily and prospering, although many are worried about whether the bank is being closed and licensed or not.

Although the company's turnover has fallen, RSB still remains in the lead. The full list can be found on the website of the Central Bank.

Finance, Sep 05, 05:26

Rostelecom will offer Russians to pay for purchases in person ... in one of the retail chains. Rostelecom together with the bank Russian standard» in October of this year, they will present a technology for paying for goods and ... a coffee machine. As Vedomosti notes, at the St. Petersburg International Economic Forum (SPIEF) “ Russian standard» demonstrated the possibility of paying for coffee in a coffee machine using a QR code... Credit card holders are more likely to buy food on credit ... began to buy products in installments more actively, follows from the bank's assessments " Russian standard". The only product that is bought in installments more often than groceries is household appliances.... Such data are provided in a study prepared at the request of RBC by the bank “ Russian standard", which is in the top 5 credit institutions in terms of issued... loan funds in installments is relatively new for bank cards " Russian standard”, so their holders simply test the functionality in those categories where ... The court fined Russian Standard Bank for ₽26.2 million for bribing a bailiff Bank " Russian standard"according to the decision of the prosecutor of the Central District of Sochi, he was fined 26.2 ... applied to the prosecutor's office with a statement, according to which one of the employees " Russian standard"offered the bailiff a reward in the form of 5% of the seized funds, if ... Moody ""s withdrew ratings from Russian Standard Bank ... the bank's long-term deposit ratings had a stable outlook. In the press service Russian standard» RBC was informed that the bank decided back in December 2015... the agency was notified of this. "Moody's has since rated the bank" Russian standard» free of charge on their own initiative, without receiving data from the bank, based ... with one international agency - S&P Global Rating. Now at " Russian standard» S&P Global Rating B-/B with a stable outlook. The leader on the vodka market changed at the end of the year Rustam Tariko's Roust holding turned out to be the largest vodka producer in Russia at the end of the year, overtaking Beluga Group and Tatspirtprom. This result was ensured by record sales of cheap vodka, which accounts for 50% of the market. By the end of 2018, the distilleries that are part of Rustam Tariko's Roust holding produced a total of 10.29 million decalitres of vodka, follows from... The media learned about the negotiations of the Rothschild firm on behalf of Tariko with creditors ... « Russian standard", Bloomberg reported, citing two sources familiar with the situation. According to the interlocutors of the agency, the Rothschild company "acts on behalf of [the beneficiary" Russian standard... investors would prefer to reach an agreement with the Eurobond issuer. The conflict between Russian standard” and bondholders lasts almost a year. Tariko's representative refused...

Finance, 13 Sep 2018, 18:31

Russian Standard bondholders complained to the Central Bank about the Tariko deal ... , according to creditors, RSL and bank shareholders " Russian standard" (OOO " Russian standard-invest" and CJSC "Company" Russian standard”) do not respect their right to vote on pledged... the regulator “does not comment operating banks". Answer " Russian standard» A copy of the letter was sent by post to the bank « Russian standard", confirmed in the press service of the holding of the same name, adding ...

Finance, 07 Mar 2018, 13:57

Owners of Russian Standard default bonds issued an ultimatum to Tariko ... jar " Russian standardRussian standardRussian standard

Finance, 06 Mar 2018, 23:49

Tariko Company Discussed Bond Default with Investors ... jar " Russian standard". The restructuring scheme involved the exchange of bank papers for bonds issued by RSL. Formally, the bank and its direct shareholder - CJSC "Company" Russian standard» (KRS) - are not related to RSL. According to the bank's Russian standard» under IFRS, RSL is controlled by Roust Holding ...

Finance, 21 Feb 2018, 13:42

Owners of 27% of Russian Standard bonds refused to negotiate with Tariko ... the pool of securities holders " Russian standard"(available at the disposal of RBC). 49% of the shares of the bank “ Russian standard». Russian non-standard: how a default on bonds threatens the business of Rustam Tariko Details of the offer Company of the main beneficiary « Russian standard» Rustama Tariko suggested...

Business, 21 Feb 2018, 08:51

The media learned about two options for the repurchase of default Eurobonds by Tariko ... - 20% of the nominal plus a conditional right to the value of the bank's shares " Russian standard”, which served as collateral for the release. In the second option, payments will be ..., including through shares " Russian standard". Eurobonds secured by shares Russian standard", were issued by a Bermuda-registered specialized...

Finance, 08 Feb 2018, 17:07

Tariko's creditors united to recover 49% of Russian Standard Bank ... the paper is completely illiquid.” Roust holding and bank Russian standard' declined to comment. Rust Holding and Bank Russian standard"owned by Russian businessman Rustam Tariko (168 ... 85.47% of the voting shares of CJSC "Company" Russian standard"(14.05% of the shares of this company belong to the bank" Russian standard"). Is it possible to recover the deposit "And the issue itself ... Structure of Rustam Tariko defaulted on Eurobonds ... $451 million. 49% of the bank's shares became collateral for the restructured bonds. Russian standard». Russian non-standard: how a default on bonds threatens the business of Rustam Tariko In ... November, a source close to the bank " Russian standard”, RBC said that the company does not plan to pay. In the press service Russian standard”reported that with investors“ are being ... Russian non-standard: how default on bonds threatens the business of Rustam Tariko ... (RSL) October 27, could cost the holding " Russian standard"and its beneficiary Rustam Tariko 49% of the shares of the bank" Russian standard” pledged as collateral for this loan ... coupon is comparable to the amount of the bank’s annual profit “ Russian standard”, therefore, apparently, the task of the shareholder “ Russian standard"- to make sure that investors agree to the next... Russian Standard started negotiations with holders of troubled Eurobonds ... this is unknown, several holders of Eurobonds told RBC " Russian standard". The press service of the bank Russian standard» specify that the Eurobond issuer is Russian Standard ... with an estimate financial condition « Russian standard”, concludes the analyst. Reputational issue In assessments of what consequences the situation with Eurobonds will have “ Russian standard» for the market, experts... Rustam Tariko Bank lost 2 billion rubles. because of his alcohol business ... to him the same jar " Russian standard". In 2016, they increased by almost 15 times compared to 2015. Bank " Russian standard”, controlled by a businessman ... and a Russian bureau credit histories « Russian standard". During 2016, the RSV and credit bureaus " Russian standard» the bank's share remained unchanged - 23 ... of an associate, taking into account currency revaluation which had a significant impact." " Russian standard» is one of the leaders in the Russian banking retail market. He occupied... "Russian Standard" will be headed by a native of Post Bank ... Deputy Chairman of the Board of Post Bank. IN " Russian standard he came in October 2016. Formerly head of Russian standard» Ilya Zibarev decided to leave the bank... on the website « Russian standard”, Zibarev collaborates with the Konstantin Khabensky Charitable Foundation. In 2014 and in the first half of 2015 Russian standard"showed record... There was a technical failure at Russian Standard Bank ... « Russian standard". RBC also failed to promptly contact the bank's call center, the answering machine reported that all operators were busy. According to the press service " Russian standard... with technical work in the bank. According to the Chairman of the Board of the Bank, Russian standard» Ilya Zibarev, the reason for the failure is the reinstallation of equipment. “Currently most... The media talked about the possible resignation of the head of the bank "Russian Standard" ... Rustam Tariko, and the issues of business development are supervised by the vice-president of the holding " Russian standard» Eldar Bikmarev. As sources noted, when Zibarev took office ... would he have agreed, ”an acquaintance of Zibarev believes. The resignation of the current head of the bank " Russian standard may take place in early 2017. Sources emphasize that Zibareva ... Rustam Tariko will share alcohol assets with creditors ... to shareholders The most important changes in the structure will be the transfer of the vodka brand “ Russian standard"- one of the main alcoholic assets of the group - to the balance of Roust Corporation ... is on the balance of Roust Trading Ltd). According to CIFFRA, the share of " Russian standard» in the premium vodka segment in Russia as of May 2016... Rustam Tariko's company will be capitalized by $500 million ... clarified that the terms of the restructuring could include the consolidation of the group's alcoholic assets " Russian standard» Tariko, which are not part of Roust. As the newspaper notes, the only ... Tariko that is not part of the Roust Corporation is the vodka brand “ Russian standard vodka". He, according to the general director of the Center for Federal and Regional Research ... S&P assessed the need for additional capitalization of Russian Standard Bank ... , capital buffers hold back the recovery of most financial indicators, the agency notes. If " Russian standard» will not be able to restore business dynamics, improve margins and reduce ... the bank was corrected by restructuring subordinated Eurobonds, which gave « Russian standard» an additional $451 million. Also in 2015, to increase capitalization... Making money on the crisis: why consumer lending began to grow Decline in lending rates and stabilization of the Russian currency caused a revival in the market consumer lending. In July, the volume of loans issued by banks to individuals showed the highest increase since the beginning of the year Lower rates - more loans After a long decline in the consumer lending market, there have been signs of recovery, major participants state... "Russian Standard" will redeem part of the debts sold to collectors ... . In particular, " Russian standard» the share of overdue loans to individuals as of July 1 was 43.6%. According to the banker, Russian standard» is also thinking about buying out the obligations of its borrowers from other credit institutions. The newspaper notes that before Russian standard"actively sold... Rustam Tariko's company defaulted ... , When " Russian standard» bought from Roust Trading Ltd (unites Tariko's alcohol assets) 23% for 9.35 billion rubles. authorized capital company " Russian standard vodka" (producer of vodka " Russian standard and the owner of the brand of the same name). Then the bank was in dire need of ... which, following the results of 2015, “ Russian standard» was able to make a profit of 16.5 billion rubles. In 2016 " Russian standard» returned to losses, having lost for... Bank of Rustam Tariko reduced the loss by almost six times ... . Sidorova notes in the review of Sberbank CIB the decrease in liquidity indicators for “ Russian standard”: his own cash and equivalents decreased over the quarter in ... rubles. a year earlier. According to the reporting, the instant liquidity ratio (N2) for “ Russian standard"In January-March, it dropped significantly - from 222.6 to 138 ... if losses were minimized," writes Sidorova. She notes that capital Russian standard”, which was replenished in 2015, including for ... Rustam Tariko found a buyer for NPF "Russian Standard" ... the exchange businessman had to mortgage the NPF " Russian standard". Rustam Tariko put up for sale his financial structures - NPF " Russian standard"and UK" Russian standard- in the fall of 2015. In November 2015, BCS gained control over the management company " Russian standardRussian standard ... "Russian Standard" again slipped into losses after a profitable year ... year. " Russian standard"continues to add provisions for problem loans, and this is reflected in its results," he says. According to the reporting Russian standard", in January ... 2015 " Russian standard» was able to make a profit of 16.5 billion rubles. at the expense of its shareholder Rustam Tariko, who twice capitalized " Russian standard» shares of its own...

Business, 30 Mar 2016, 08:09

The media named a possible buyer of the Russian Standard pension fund ... Mikail Shishkhanov and Mikhail Gutseriev, who holds " Russian standard". According to Vedomosti, the participants are only discussing the conditions so far, before closing ... provides exclusive access pension funds groups to the network of bank branches " Russian standard”, this condition is included in the deal. On similar terms, O1 was previously ... estimated at 500 million rubles. UK " Russian standard» received in November financial group BCS. NPF " Russian standard” turned out to be pledged to the BIN group, so ...

Finance, 23 Mar 2016, 04:43

The media reported a record credit delinquency in Russian Standard ... the share of overdue loans as of March 1 was the bank " Russian standard". The share of such loans was 40%. In second place... As of March 1, the share of overdue loans in the portfolio " Russian standard”exceeded 40%, Vedomosti writes, citing data from the balance sheet ... rub. In second place after Russian standard”turned out to be the Orient Express bank with 23% of overdue loans. "Russian standard reporting assumes that overdue include ... Tariko's pension business was pledged to Shishkhanov ... NPF savings " Russian standard"is placed through the management companies of the BIN Group," the interlocutor of RBC, close to the group, knows. In addition, recently NPF " Russian standard» switched to service in the OSD depository, where the funds of the BIN Group are serviced. IN " Russian standard"and the BIN Group was refused ... In 2015, BCS gained control over the management company" Russian standard". "As part of the transaction for the purchase of the UK" Russian standard» Rustam Tariko and I agreed on a partnership... ... . The rights to issue the main line of cards in Russia belong to the bank " Russian standard”, but this agreement does not apply to prepaid cards. Amex... The ghost of panic: how the payment of $ 4 billion by banks will affect the ruble ... . Another bank in the top three in terms of currency REPO volumes is “ Russian standard". As of November 1, he had 428.3 billion rubles. liabilities ... rub., or 25%, accounted for foreign exchange REPO with the Central Bank. Addiction " Russian standard»from the currency liquidity of the Bank of Russia S&P analyst Sergey Voronenko... for different periods, « Russian standard"uses these tools depending on the needs and the market situation," the press service said. Russian standard". Where do you keep your savings... Roust bondholders given reason to demand $700 million from Rustam Tariko ... , due to a purchase transaction subsidiary Roust vodka distributor Russian standard”, which is owned by the parent company Roust. Thus, the company violated two ... Tariko already had problems with the bondholders of his bank " Russian standard". In September 2015, the businessman had to pledge 49% of the bank to holders ..., which make up 5%. Otherwise, already in November this figure " Russian standard"could drop to 4.5%, by the end of the year - to 2 ... Sberbank CIB warns of possible write-off of Uralsib Eurobonds ... in the damages section", has already been applied Russian banks. In particular, the shareholder Russian standard» Rustam Tariko restructured subordinated debt for $550 million in October... Rustam Tariko - RBC: "I can see how you spend money" ... year, the holding's specialists created their own premium vodka " Russian standard", which was produced by the company" Russian standard vodka". Initially, the drink was produced at the St. Petersburg distillery ... money? - A very successful business - vodka " Russian Finance, 29 Oct 2015, 17:26 Rustam Tariko put up for sale financial assets ... « Russian standard» wanted to get 15-20% of the value of assets (that is, about 1 billion rubles). As of July 1, 2015, the assets of the NPF " Russian standard» constituted... capital « Russian standard» decreased to 0.64 billion rubles, which is less than 1% of the bank's assets. In August, the shareholder of the bank, Rustam Tariko, capitalized Russian standard"on ... could only on the condition that" Russian standard» will begin to generate profit for two consecutive quarters on international standards reporting and/or will not start...

Dear Alexander!

Thank you for your interest in the Bank's deposit products.

In response to your questions, we can provide the following information:

1. The commission / fee indicated by you is not provided;

2. At the end of the deposit period, the deposit amount and the accrued interest are credited to the deposit card issued for the deposit (if the deposit is opened through the Bank Branch).

If the deposit is opened through the Internet Bank system, then at the end of the deposit term, the deposit amount and accrued interest are transferred to the account from which the funds were transferred to the deposit (at opening);

3. When opening a deposit (through the Branch of the Bank), the Bank issues deposit cards to the Clients. The fee for issuing and maintaining the main Card under TP 91/1, TP 92/1, TP 93/1 is not charged;

4. It is possible to receive funds from a deposit card without charging additional commissions / fees through operating cash desks Bank or through ATMs of our Bank.

Cash withdrawal is provided in the amount not exceeding within one calendar month RUB 1,000,000 (if the Account is opened in the currency of the Russian Federation), or USD 35,000 (if the Account is opened in USD), or EUR 35,000 (if the Account is opened in euros);

5. When the deposit Agreement is scheduled to be closed, on the next day after the expiration of the deposit term, the deposit amount and accrued interest are credited to the deposit card account. If under the contract bank deposit If automatic prolongation is enabled, then at the end of the deposit term, only accrued interest will be credited to the deposit card account, and the deposit itself will be extended for a new term. For early termination of the Bank Deposit Agreement, it is necessary to apply to the Branch of the Bank with a passport of a citizen of the Russian Federation and write a corresponding Application.

If this application is made before 16:00, the deposit is claimed on the current day, the funds will be available the next day after 12:00 Moscow time, and if this application is made after 16:00, the deposit is claimed on the next calendar day, the funds will be available through day after 12:00 Moscow time.

In case of Early withdrawal of the deposit, interest on the Deposit Amount shall be accrued by the Bank until the Deposit Return Day inclusive at the rate specified in the Agreement, and in case of Early withdrawal of the deposit after the automatic extension of the Agreement - at the rate applied in case of Early withdrawal of the deposit in respect of this type of deposit, effective in Bank on the day of the last renewal of the Agreement.

If you have any additional questions, you can contact the Bank's round-the-clock Call Center at 8-800-333-4-333 (toll-free within Russia) / Bank branch.

You can specify the addresses of Branches on the official website of the Bank www.rsb.ru in the section "Branches and ATMs".

Our experts will be happy to provide you with the necessary advice.