"Transport" Bank: reviews of depositors and employees. Rating and reliability of the bank "Transportny"

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

In order to support the national economy in the railway transport industry, the AMFI Bank was established back in 1994. After a while, its administrative and organizational form was changed to CB Transportny Bank LLC, reviews of which are still positive today. The commercial organization is small and focused on serving customers from Moscow and the region. The territorial bank works with such cities of the country as St. Petersburg and Yekaterinburg, Perm, Smolensk and Belgorod.

Main activities

"Transport" bank, the reviews of which are mostly positive, as the financial institution regularly fulfills its obligations, was originally focused on serving a wide range of individuals and legal entities. Among the wide range of offers, it is worth noting the most popular:

• Financing and commercial structures and individuals.
• Depositing and placing funds in the accounts of a financial institution.
• KRO.
• Investment offers.
• Sale of preciouscoins.
• Safe deposit box rental.
• Complex servicing of bank cards and salary projects.
• All sorts of manipulations with foreign exchange transactions.
• Mortgage lending.

Internet banking and problems in its work

A significant achievement in the work of the financial institution was the introduction of a service called Internet banking. Each client of the bank can independently carry out various manipulations with cash flows via the Internet. In the future, this innovation has put the "Transport" bank on a higher level. Reviews about the institution are more positive, but you can often meet negative feedback about the online service, since quite often it is simply not available.

Key moments in history

The financial institution easily survived the crisis of 2008, and the main merit belongs to the financier Shishkhanov. It took at least two years to restore the bank's performance to pre-crisis levels. A significant role in this matter was played by the new president of the institution, Lomanov, who was appointed to the post in 2008. Until 2011, 99% of the shares belonged to the Lomanov spouses. After the sale of shares, Transportny Bank, whose reviews in most situations have a positive connotation, continued servicing the broad-based group of companies New Transport Technologies. At the moment, the owners of the bank are simultaneously severalinfluential people. These are Serebryannikova and Sorokin, Mazanova, Genetliou and Fez.

Achievements and rankings

Transportny Bank in 2013 made a significant financial breakthrough and increased its assets to 23 billion 600 million. This amounts to almost a 2.5-fold increase in the capital available at that time. The expansion was achieved thanks to the active involvement of both private and commercial funds. In 2012, the net profit of the financial institution reached 96 million rubles. The authorized capital in 2013 was only 800 million. It is during this period that the Expert RIA rating agency awards the institution a credit rating of "A". This characterizes the institution exclusively from the positive side, speaks of its stability, a high level of reliability and trust. There was a positive outlook for the future. According to the latest official data, the volume of assets amounted to 29,321,395 thousand rubles. Bank Transportny, whose rating is quite good, took 144th place in Russia according to this value. The volume of capital is equal to 2,402,169 thousand rubles, which corresponds to the 195th place among Russian banks. The volume of loans is 20,626,429 thousand rubles, and deposits - 17,633,608 thousand rubles, which corresponds to 122 and 113 places. The total profit for the last year is 382,027 thousand rubles, which made it possible to reach 144th place in the ranking. According to the BankStars.ru online project, the financial institution received 4 stars. As for such well-known rating agencies as Moody's, Fitch andS&P, they did not appreciate the reliability of the Transportny bank, simply bypassing it with their attention.

Latest news or time difficulties

A representative of the Expert RIA agency reports that the financial institution makes payments on paper, ceasing to use the electronic format. This is explained by the fact that starting from April 21 of this year, it was the Central Bank that disconnected the Transportny Bank, the reviews of employees about which are always presented in a positive way, from the system of banking electronic payments of an urgent type. According to the agency's specialist, this may indicate a lack of liquidity within the financial institution. A little earlier, it was the Expert RIA agency that reported that the institution's credit rating was gradually declining, and today it is already equated to the category not "A", but "B". The decision to downgrade the rating was based precisely on the use of paper media by the bank, which significantly prolongs the time for banking operations.

Recent changes in work

Despite the fact that by the end of 2014, the Transportny bank, whose depositors' reviews always testified to the fulfillment of their obligations by the latter, was recognized as reliable, today one can observe some failures in its work. In particular, some clients talk about payroll delays that no one talks about. There is a termination of acceptance of deposits, including replenishment of existing ones. This order was issued by the Central Bank on April 16 for up to 6 months. All contracts, according to representatives of the financial institution, which were signed before April 16, will be executed in accordance with the regulations. This includes interest on deposits and withdrawals.

What are customers and bank employees saying?

Transportny Bank faced certain difficulties, but this did not affect the fulfillment of its obligations. Most of the reviews about the financial institution still speak positively about it. According to the staff of the institute, nothing has changed in their work. Timely accrual of labor fees and full fulfillment of obligations in accordance with the employment contract take place. You will not be able to find a flurry of responses in which people complain that the institution does not pay. Based on the analysis of this information, we can talk about the bank's performance, despite certain obstacles that, in principle, almost every institution offering its services within the financial sector had to face in 2015.

Forecasts and level of reliability

Transportniy Bank, whose rating has recently been downgraded to category "B", is on the scale of the "Expert RA" agency within the framework of a satisfactory level of creditworthiness. The forecast in accordance with this rating sounds like "developing". This promises a high probability that the performance of the financial enterprise will not change in the near future. Bank "Transportny" received the mark "rating under supervision", and analysts indicatedto low profit margins. It is very difficult to talk now about what awaits a financial institution in the short term. All that remains to be done is to follow the latest news and keep your finger on the pulse.