Bank "Russian Credit": customer reviews

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

Bank "Russian Credit" until recently was considered one of the oldest domestic financial institutions. It was created in 1991. The bank was engaged in issuing loans to the population, actively worked with deposits of individuals and legal entities. However, all his activities have always caused a number of complaints and questions. Numerous reviews about Russian Credit Bank will tell you more about this.

A bit of the history of the bank

Initially, the bank was created as a mutual financial institution. Quite influential and we althy individuals took part in its founding, among which was the Georgian billionaire Ivanishvili and a businessman from Russia, Vitaly Malkin. Later, DBK Bank Rossiyskiy Kredit changed owners.

From a share organization, he grew into an open joint-stock company. Later, the legal form of ownership did not change, but the fate of the bank changed several times.

Pots and Bumps on the Road to Glory

From the very beginning, fate was not favorable to this financial institution. Therefore, throughoutall the time in the activities of the institution, a variety of obstacles regularly arose.

It all started in 1998, when Russia was hit by the waves of the global financial crisis. During this period, DBK Bank "Russian Credit" ceased to be liquid, which is why it quickly came under the wing of ARCO (an organization that is the prototype of the modern deposit insurance agency).

In 2000, the bank was restructured, which ended in mid-2003. At the same time, ARCO let the slightly "fledgling" financial organization go free-floating. At the same time, the size of the authorized capital was increased to almost two billion rubles. Later, there were several more unstable situations in the fate of the bank, but it still managed to overcome the peaks of the crisis.

A period of financial stability and progress

During the period of financial stability, Russian Credit attracted deposits from the population in national and foreign currencies, placed precious metals and carried out various banking operations.

Moreover, this financial institution has five new representative offices, more than 56 operational and 80 subsidiary offices. For example, the representative office of the organization was in Barnaul, Volgograd and Nizhny Novgorod. The Russian Credit Bank was also opened in Chelyabinsk. The license of this financial organization allowed to carry out various monetary transactions, including issuing loans and attracting deposits from the population.

What they saypeople about Russian Credit Bank: reviews

If you believe the numerous reviews of individuals, the bank itself was pretty good. Many users liked that in almost every region there was a representative office of the bank. This meant that there was no need to go anywhere and look for the addresses of the Russian Credit bank.

All branches were located in the central regions, and they could be found using the official website of the organization or by calling the hotline. For example, the main office of the bank was located in Moscow on Salvador Allende Street, 7. In Ufa, the bank's representative office was located on Internationalnaya Street, 131/1.

Besides a convenient location and a fairly impressive retail network, the bank was famous for its qualified staff and high level of service. According to users, the work of the online support service deserved special praise.

All answers were provided very quickly, professionally and to the point. To solve any situation, it was not at all necessary to personally come to the Russian Credit Bank. The address of the organization's website was enough. It was on it that one could find out information about the nearest terminals, ATMs and contact customer support.

What did depositors say about the bank?

People who made deposits to the Russian Credit Bank spoke only positively about it. The organization was loyal to its customers and valued them. Therefore, the deposits were returned within the framework of the contract, on time and in the right way.size.

How did the bank's problems end?

In 2013, the bank had some financial difficulties. And this is after many years of lull in the financial field. For another year, he somehow managed to exist, however, for this he had to unite with M Bank CJSC. But even this simple trick did not help keep the financial institution afloat.

In mid-July 2015, her license was revoked. And so the bank "Russian Credit" ceased its main activity. User reviews about this organization help to understand how this news turned out to be shocking. Many users did not believe it and even came to the nearest bank branches in person. However, when they saw the announcement of the revocation of the license, they returned back.

What are the reasons for revoking a license?

Among the reasons that led to the revocation of the license of Russian Credit Bank, the regulator named the following:

• Violation of several federal laws and regulations related to banking.
• Maintaining a highly risky credit policy.
• Providing false data.
• Regular violation of reporting deadlines.
• Financial instability and "holes" in the portfolio of liquid assets.

At the same time, according to the regulator, the management of the organization was repeatedly warned. However, they did not take any measures to neutralize them and normalize the situation.

Starting from 2015-24-07, the bank began to operate a temporaryadministration. Three months after the beginning of its management, the organization was declared bankrupt and payments from the Russian Credit Bank began. The beginning of the implementation of insurance payments was once reported in the deposit insurance agency, the press and other media.

Thus, depositors of the Russian Credit Bank living in Bashkiria were able to receive their compensation starting from August 7, 2015.

Unpleasant litigation

However, just before the payments of the Russian Credit Bank, a long and unpleasant trial began. The fact is that the management of the bankrupt bank was accused of deliberately ruining it. At the same time, representatives of the DIA acted as the plaintiff. According to preliminary data, the damage caused to depositors of the collapsed bank amounted to about 66.8 billion rubles.

The deliberate bankruptcy case was heard on July 28, 2016. The most interesting thing is that, in addition to accusations of false bankruptcy, the management of the former bank was accused of deliberately stealing the property of a credit institution. The criminal case itself on the above charges was initiated on November 14, 2016. But, as it turned out, it was not the only one.

Other litigation

If you pay attention to some of the reviews about the Russian Credit Bank, it becomes clear that the above lawsuit was not an isolated case. In December 2015, a criminal case was initiated on the fact of embezzlement against the head of the credit organization Rossiyskiyloan.”

In September 2016, a certain Motylev (ex-owner of Rossiyskiy Kredit, Globex and M Bank) was accused of embezzling bank funds allegedly issued in the form of loans to individuals.

Later, the former banker Anatoly Motylev, against whom numerous accusations rained down, disappeared. According to some reports, he took the stolen money offshore. After he fled abroad, complaints and lawsuits poured into the Moscow court.

In December 2016, a decision was made to arrest the businessman in absentia. Even later, the entrepreneur and financier-schemer was put on the international wanted list. However, no decision has yet been made on his case. Although, according to some reports, the wanted swindler still lives and lives peacefully in London.

Damage from multiple thefts

According to our information, Motylev is suspected of embezzling over 700 million rubles. At the same time, if we talk directly about the Russian Credit Bank, then we are talking about the amount of 126 billion rubles. It was this money that was stolen by the fraudster and transferred to the accounts of foreign banks under the auspices of offshore companies.