Reviews. "RosinterBank": deposits, loans

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

It just so happened that when investing their funds, many investors pay attention to the reputation of a financial institution and even its rating among other credit institutions. But, as practice shows, these indicators are not always signs of the bank's reliability. A vivid example of this is Rosinterbank. The problems of his leadership began quite unexpectedly. Read more about the troubled bank and the difficulties it faced below.

Nothing foreshadowed trouble: generalized information about the bank

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

Its branch network eventually grew to 40 branches located in Tyumen, Yekaterinburg, Yaroslavl, Nizhny Novgorod, St. Petersburg, Kazan, Krasnodar and other cities and regions of the Russian Federation. This is how RosinterBank began to gain momentum, while Moscow became its mainthe city where the head office of the bank was located.

Awards and prizes of the bank

Despite the fairly strong competition from other commercial organizations, "Rosinterbank" continued to grow and develop. A little time passed, and the financial organization began to receive honorary titles, prizes and awards. For example, not so long ago, its management was awarded the highest award in the Socially Oriented Bank category, and one of the board members was awarded the main prize “For personal contribution to the development of financial literacy of children and youth.”

"Rosinterbank": rating

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

Credit cards and other bank products

Before the introduction of the provisional administration, according to numerous reviews, "Rosinterbank" was engaged in lending to businesses and the public. For example, one of the most popular bank products is a loan for education. With its help, many students could pay for their studies at the university. Notably, this programacted with some 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 of which was also lower (11.5-13.5% per annum) than similar loan products developed by other financial institutions. In a word, "Rosinterbank" means attractive tariffs that favorably distinguish it from other financial institutions.

What did people say about the bank?

It is believed that before contacting any financial institution, you must first study user reviews in detail. RosinterBank is a financial institution with vast experience and length of service, which is why many Russians applied here. For example, some were tempted by a large selection of loan products and deposit programs. Others liked favorable conditions for deposits and loyal requirements for early withdrawal of invested money.

Another excitedly talked about the excellent service they received in the office located on Kondratyuk Street, 3 and in the office at the address: Moscow. st. Miklukho-Maklaya, 55.

Some reviews about banks, on the contrary, contain a tearful story about poor service, which led to a number of additional expenses on the part of the client. In a word, opinions about the work of the bank itself are different, as are the clients themselves.

"Delicious" and enticing contributions from the organization

In addition to credit products, offered"RosinterBank" deposits for individuals. As in the case of loans, deposit programs assumed high interest rates and very attractive terms of registration. A prime example of this is a recent contribution called Festive+.

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

It is interesting that the interest accumulated by the depositor was monthly accrued to his card account, which was opened for him by "RosinterBank" (the license, by the way, from this bank has not yet been revoked). And most importantly, "Festive +" allowed early withdrawal of cash within 30% or 60% of the established deposit rate. And, of course, program participants could automatically become happy owners of a gift voucher in the amount of 20,000 rubles (during the bank prize draw). It's a song, not a sentence!

Another "delicious" offer of the bank was the "Perspective" program. And if at the beginning of the year it assumed a rate of 10% per annum, then closer to the summer, the starting rate grew to 12%. And the “Profitable +” deposit initially offered everyone to invest their money at 14% per annum.

As a result of a competent marketing policy, the attracted population and business representatives simply lost their vigilance. They entrusted their finances to a seemingly reliable credit organization, and RosinterBank brutallyfailed. What happened to him? And what is the reason for his problems?

Cause and effect: what happened to the bank?

As early as September 9th, the bank's representatives were loudly shouting about their new credit card designed for teachers. But a couple of days ago, the office and all operating branches of the financial organization were suddenly closed. The official website of the organization rosinterbank.ru stopped working, and the hotline phones were switched off.

As a result, most of the bank's depositors and customers panicked. Many of them began to write angry reviews ("Rosinterbank" is a financial institution that works with both entrepreneurs and individuals), and ask questions. And some even came to the central office and tried to break the bars, desiring to get inside the building at all costs. But they were all interested in the main question: “What happened?”.

And the chest just opened

With patience, the customers of the unreasonably "silent" bank finally received answers. As it turned out, RosinterBank (deposits here could be opened in foreign and domestic currencies) suspended its work due to the sanctions of the Central Bank. He, in turn, explained these actions as forced measures aimed at determining the real financial picture in the bank.

According to the regulator, the position of "Rosinterbank" at the moment was defined as unstable and unstable. And since this was a direct threat to creditors and depositors, it was decided to stop its work for the duration of the check.

Introduction of provisional administration

As a result of proceedings by the Central Bank of the Russian Federation, a temporary administration was introduced in RosinterBank (problems here began quite recently). At the same time, such a responsible post was unanimously transferred to representatives of the DIA (Deposit Insurance Agency). The powers of the managers and shareholders of the financial organization are temporarily suspended.

The interim administration of the bank was appointed for a period of six months and began its duties on September 15 this year. According to eyewitnesses, the bank managed to publish this information on its official website on Thursday. From the same moment, the system of electronic payments was disabled and the cards in the terminals of the financial organization were no longer serviced. But what is the reason for the regulator's dissatisfaction?

What is the reason for the distrust of the Central Bank?

According to numerous reviews, "RosinterBank" not only pursued a high-risk credit policy, but also frankly cheated using the deposits of the population. The same information about the bank was confirmed by a source close to the regulator. A huge number of questions from the Central Bank arose precisely because of the state of liabilities formed by attracting funds from depositors of a credit institution.

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

Interbank market: borrowing money

At the same time as the strange record keeping, "RociterBank" was noticed among the major lenders in the interbank market. According to preliminary information, at the beginning of August, the total share of borrowed funds of this financial institution was more than 30% of all passive income. Gradually, this figure began to grow, as the representatives of the bank, apparently, fell into a certain dependence on creditors. According to experts, such actions on the part of the borrower indicate problems with its liquidity. This is also evidenced by numerous reviews of banks that had similar situations before declaring bankruptcy.

Bank representatives caught hot

Probably, the last straw in the bank's activities was an incomprehensible scam, which was recently carried out by its representatives. According to a source close to the regulator, there were various rumors about the strange activities of RosinterBank. However, the Central Bank could not verify their authenticity or refute them until a certain point. As it turned out, the representatives of the regulator decided to take on the hot dishonest representatives of the bank.

For this theysent their man, who pretended to be an ordinary depositor who decided to put money on deposit. At a certain moment, he called RosinterBank (the address of the branch in question, unfortunately, is not available), said that he needed to go abroad for a long time, and clarified about the accrual of interest.

After a certain time, according to a source, a certain amount of money was debited from the account of the “spoiled Cossack”, although he actually did nothing of the kind. As a result, the representatives of the bank had a long explanation with the employees of the regulator.

A more detailed investigation is currently underway. It is assumed that some depositors' funds, as in the cases with Arksbank and Mosoblbank, were not officially listed anywhere. At the same time, the owners of such accounts themselves might not even be aware of this. All these controversial points are to be studied by representatives of the interim administration.