Reviews. "Rosinterbank": deposits, loans

It so happened that when investing their funds, many investors pay attention to the reputation of the 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 striking example of this is Rosinterbank. The problems of his leadership began quite unexpectedly. More on the problem bank and the difficulties that he faced, let's talk below.

Nothing foretold troubles: generalized information about the bank

"Rosinterbank" is quite a decent commercial bank, operating on the Russian financial market, since 1990. Since its opening, he not only sponsored, but also provided comprehensive support to representatives of corporate, small, medium and large businesses.

Its network of branches has grown over time to 40 offices located in Tyumen, Yekaterinburg, Yaroslavl, Nizhny Novgorod, St. Petersburg, Kazan, Krasnodar and other cities and regions of the Russian Federation. So began to gain momentum "Rosinterbank", Moscow has become for him the main city where the main office of the bank was located.

Awards and Prizes of the Bank

In spite of rather large 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 her leadership was awarded the highest award in the category "Socially-oriented bank", and one of the members of the board was awarded the main prize "For Personal Contribution to the Development of Financial Literacy of Children and Youth".

Rosinterbank: rating

Rosinterbank quickly turned into a well-known and sought-after financial institution. In addition, by the size of its assets, it entered the TOP-70 of the largest banks in Russia. Later, the organization was in the TOP-10 among financial institutions, famous for their impeccable customer service. Also, the excellent work of the bank's employees was singled out by clients, placing their favorite organization in the top ten in the "People's Rating". It is noteworthy that among the best financial flagships Rosinterbank managed to last from 2014 to 2015.

Credit cards and other bank products

Until the introduction of the interim administration, according to numerous reviews, "Rosinterbank" was engaged in lending to businesses and the public. For example, one of the most popular products of the bank is a loan for education. With its help, many students could pay for their studies at the university. It is noteworthy that this program operated with a certain state support and had the lowest interest rate at that time - 7.6% per annum.

Another advantageous offer of the bank was the "Target Mortgage Loan", the rate for which was also lower (11.5-13.5% per annum) than similar credit products developed by other financial institutions. In a word, Rosinterbank is attractive tariffs that favorably allocate it to other financial institutions.

What did people say about the bank?

It is believed that before contacting any financial institution, you must first thoroughly examine user feedback. "Rosinterbank" is a financial institution with vast experience and length of service, that's why many Russians applied for this. For example, some were attracted by a large selection of loan products and deposit programs. Others liked favorable conditions for deposits and loyal requirements for the early withdrawal of invested money.

Another one talked about the excellent service they received at the office located on Kondratyuka Street, 3 and in the branch at Moscow. Ul. Miklukho-Maklaya, 55.

Some reviews about banks, on the other hand, contain a tearful story of 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, just like the customers themselves.

"Tasty" 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 and very attractive conditions for processing. A striking example of this is the recent contribution called "Festive +".

According to the conditions, it could be issued in domestic or foreign currency for a period of 100 to 550 days. The interest rate for the ruble deposit was 10.5-11.5% per annum, and in foreign currency - from 0.8 to 2.4%.

Interestingly, the interest accrued by the depositor was credited monthly to his card account, which was opened for him by Rosinterbank (a license, by the way, has not yet been withdrawn from this bank). And most importantly, Festive + allowed early withdrawal of cash within 30% or 60% of the established deposit rate. And, of course, the participants of the program could automatically become happy owners of a gift voucher worth 20,000 rubles (during the drawing of prizes from the bank). It's a song, not an offer!

Another "delicious" offer of the bank was the program "Perspective". And if at the beginning of the year she expected a rate of 10% per annum, then by the start of the summer the starting tariff grew to 12%. And the deposit "Profitable +" 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 vigilance. They entrusted their finances to a seemingly reliable lending institution, and KB "Rosinterbank" brutally failed them. What happened to him? And what is the cause of his problems?

Causes and consequences: what happened to the bank?

On September 9, representatives of the bank shouted loudly about their new credit card designed for teachers. But a couple of days ago, the office and all the operating branches of the financial organization were suddenly closed. The official website of the organization rosinterbank.ru stopped working, and the hotline phones - disconnected.

As a result, most of the depositors and clients of the bank had a panic. Many of them began to write angry responses ("Rosinterbank" is a financial institution that works with entrepreneurs and individuals) and ask questions. And some even came to the central office and tried to break the bars, wishing at all costs to get inside the building. But all of them were interested in the main question: "What happened?".

A casket just opened

Having gained patience, the customers of the causeless "silent" bank finally received answers. As it turned out, Rosinterbank (deposits here could be opened in foreign and domestic currency) 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 at the time of verification.

Introduction of the provisional administration

As a result of the proceedings by the Central Bank of the Russian Federation in Rosinterbank (the problems started here only recently), a temporary administration was introduced. At the same time, such a responsible post was unanimously handed over to the 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 started its duties from September 15 this year. This information, according to eyewitnesses, the bank still managed to publish on its official website on Thursday. From the same moment, the electronic payment system was disconnected and the cards were no longer serviced in the terminals of the financial institution. But what is the cause of the regulator's dissatisfaction?

Why is the Central Bank not trusted?

According to numerous reviews, "Rosinterbank" not only led a highly risky credit policy, but also frankly chemistry with the use of household deposits. 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 due to the attraction of depositors of the credit institution.

As it turned out, the official data provided to the regulator of "Rosinterbank" for many years corresponded to the established norm. However, real figures, according to the inspectors, should be much higher. Perhaps there is some truth in this. Judge for yourself, in the first quarter, according to unofficial data, the value of funds raised was 13.5% in annual terms. But the result of such a stormy activity is not reflected in the bank's documents. It means only one thing, that the credit organization leads a shadow game and is connected with dubious monetary operations.

Interbank market: money borrowed

Simultaneously with the strange documentation, Rosinterbank was seen among the large lenders of the interbank market. According to preliminary information, at the beginning of August the total share of the borrowed funds of this financial institution was more than 30% of all passive income. Gradually, this figure began to grow, as the bank's representatives appeared to be in some dependence on creditors. If you believe the experts, then such actions on the part of the borrower are talking about problems with its liquidity. This is also evidenced by numerous reviews of banks that had similar situations before the announcement of bankruptcy.

Representatives of the bank were caught at a hot

Probably the last straw in the bank's activity was an incomprehensible scam, which was recently held by its representatives. According to a source close to the regulator, strange rumors were circulating about the strange activities of Rosinterbank. However, it was not possible to verify their reliability or to refute the Central Bank until a certain point. As it turned out, representatives of the regulator decided to take on 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 the deposit. At some point he called Rosinter Bank (the address of the department, which unfortunately is not mentioned), said that he needed to go abroad for a long time, and asked about the interest charge.

After a certain time, the source reports, the account of the "deceased Cossack" has been written off an amount of money, although in reality he did not do anything like that. As a result, representatives of the bank had to explain for a long time with the employees of the regulator.

At the same time, a more detailed investigation is being conducted. It is assumed that some of the depositors' funds, as in the cases with Arksbank and Mosoblbank, were not officially listed anywhere. At the same time, the owners of such accounts could not even suspect this. All these controversial issues have yet to be studied by representatives of the interim administration.