Bank Russian capital legal entities. Russian capital (home RF) Personal Cabinet. Key rating factors

The bank was established in 1993 under the name Rokabank.

In March 1995, he was renamed Russian Capital, subsequently changed several organizational and legal forms, as well as the name - from December 13, 2018 it operates as Bank Dom.rf JSC.

By 1999, the Russian Capital Bank entered the Top 30 of the largest banks of Russia and acquired the marketer status on the market of interbank loans. The credit organization of one of the first received a license and began to conduct operations with precious metals.

In 2008, Russian Capital was subjected strong influence The crisis situation in the economy and in the banking sector, as a result of which there was a need for a reservation procedure. As part of it, the owner of 87.89% of the bank's voting shares was the National Reserve Corporation (NRK; see), aggravated by his main sanator for the Central Bank of the Russian Federation (8 billion rubles). In the future, as a result of the conflict between the NRB and the ASV, the Bank was already sanitized as a subsidiaries of the Deposit Insurance Agency.

At the end of August 2011, the Penza Bank was joined to Russian Capital, and in April 2012 - a small Samara.

In 2014, the Bank together with the DSA conducted a sanation, following which the latter was attached to "Russian Capital".

In September 2015, the Bank was attracted as a sanator to prevent bankruptcy. According to the PFD, the bank held measures to recapitalize the bank. As a result of the additional emission of shares in the amount of 10 million rubles, the Bank of Russian Capital became the main shareholder of Socinvestbank, attaching the last in April 2019.

In September 2015, the decision of the government to the Russian capital bank was entrusted to organize and finance the completion of the housing objects of the Su-155 Group of Companies in order to fulfill the obligations of the SU-155 Civil Code on the transfer of housing by the individuals - contract holders participation in construction. Since the beginning of 2016, SU-155 GK is included in the list. related parties bank.

In April 2015, the Megasanator may be created on the basis of Russian Capital in the media, and Mikhail Kuzovlev, the head of the Bank of Moscow, can be created on the basis of "Russian Capital". In May, information about the transition of Mr. Kuzovlev to the post of Head of the Russian Capital was confirmed by the general director of the ASV Yuri Isaev, and Mikhail Kuzovlev reported that he accepted the ASV offer to lead the bank. However, at the beginning of June, Mr. Isaev clarified that the QA has never been going to endow the "Russian capital" functions of the Megasanator, but only going to transmit to him the assets of liquidated banks. It is also worth adding that the head of the Central Bank of Elvira Nabiullina spoke against the idea of \u200b\u200bcreating a single state stationanator.

In December 2015, Russian Capital became the winner of the Civil Code of the DSU for the acquisition of a part of property and obligations of an excess license. Note-Bank obligations to individuals under contracts bank deposit And the bank account was transferred to the bank, and the bank sheet depositors became depositors of the Russian Capital. The obligations to creditors were transferred to the Bank, the requirements of which, in accordance with the legislation on bankruptcy, are subject to satisfaction as part of the first stage, total 5.3 billion rubles. At the same time, Russian Capital adopted a part of the property of a note-bank balance value in the form of rights loan contracts, fixed assets and money (Real estate - 0.4 billion rubles, loan portfolio - 4 billion rubles, money - 0.9 billion rubles).

On January 24, 2020, the NKR assigned the Bank Dom.rf JSC with a credit rating of AA-RU with a stable forecast.

On November 1, 2019, net assets credit organization amounted to 296.40 billion rubles, the volume own funds - 68.21 billion rubles, the bank's profits amounted to 124.32 million rubles (according to the results of three quarters of 2019, the Bank demonstrated a loss of 207.16 million rubles).

Network of units:
head office (Moscow);
6 branches;
15 operating offices;
14 additional offices.

The essential part of the branches and staffing of the Russian Capital was reduced in 2017-2018 during reorganization at Bank Dom.rf JSC. Compensate the reduction of the Bank plans to compensate for the development of remote channels.

Owners:
Russian Federation represented by the Federal Property Management Agency - 100%.

The state owns the bank through JSC "Houserf" (until March 2018 - "Agency of Mortgage Housing Lending" (AHML)). From 2009 to 2017, 100% of the Bank's shares were under the control of the DC.

Board of Directors: Alexey Moiseev (Chairman), Alexander Plotnik, Artem Fedorko, Alexander Tarabrin, Victor Shlepleov.

Governing body: Artem Fedorko (Chairman), Mikhail Gromov, Maxim Gritskevich, Kirill Grishanov, Igor Demin, Cyril Zakharin, Danil Litvinov, David Ovsepyan, Alexander Garifulin.

Registration number: 2312

Date of registration by the Bank of Russia: 23.04.1993

Beach: 044525266.

The main state registration number: 1037739527077 (10.02.2003)

Authorized capital: 52 000 000 rub.

License (issue of issuance / last replacement) Banks with a basic license are banks that have a license in which the name "basic" is present. Other existing banks are banks with a universal license:
Universal implementation license banking operations with funds in rubles and foreign currency (with the right to attract cash deposits individuals) and the implementation of banking operations with precious metals (12/19/2018)
Licenses

Participation in the Deposit Insurance System: Yes

Mortgage Bank House. RF was created on the basis of a universal bank "Russian Capital". He was among the first thirty bank banks in terms of assets. The head office of the bank is in Moscow, while the total network covers another thirty regions of Russia, representing more ninety offices, branches and cash desks. The network of established ATMs of the Bank "Russian Capital" is also wide enough: it has about 140 devices.

The bank was founded in 1993. The past eight years in the role of the Sole Shareholder of the Bank "Russian Capital" is the state corporation "Deposit Insurance Agency". This fact causes the appointment of the Bank "Russian Capital" by the agent to provide insurance payments to depositors whose bank is deprived of the license.

On December 26, 2017, the Bank passed to the ownership of the Joint-Stock Company Dom.rf. On the basis of Russian capital, the company plans to create the largest construction and mortgage bank under the BRAND "DOM.RF" in Russia.

The level of rating is due to the strengthening of the Bank's support factor by the Sole Shareholder, including the implementation of a number of measures for the total amount of 19.8 billion rubles in 2018. Bank's credit rating reflects a satisfactory assessment of market positions, an adequate liquidity position, a weak current assessment of capital adequacy, as well as low quality assets and a conservative assessment of corporate governance.

AKB "RUSSIAN CAPITAL" (AO) - A large federal bank (34th place in the laignger "Expert RA" on 01.11.2018), whose single shareholder from the end of 2017 is the House.rf JSC. Bank since 2008 passes the procedure financial recoveryIn which the Bank of Russia changes have been made. They take into account the gratuitous contribution to the property of the Bank in the amount of up to 19.8 billion rubles. There is also a reorganization of the Bank in the form of accession to a subsidiary bank - JSC "Socinvestbank", which causes the extension of the deadline for the completion of the rehabilitation until 2025. The Bank participated in the financial recovery of certain problem assets and in the sanation of credit institutions until 2018 (at the current time the Bank is an investor of Socinvestbank JSC. Currently, the Bank integrates its business processes with the maternal structure, and also implements an updated strategy, according to which 2020 Russian capital should become a universal mortgage-building bank.

Satisfactory assessment of market positionsdeveloped the process of transformation of the bank business model: optimizing the office network, operating expenses, balance structure. Active growth for the first 9 months of 2018 demonstrated only mortgage credit lendingWhat allowed the portfolio of mortgage and housing loans to increase by 65% \u200b\u200bto 33.9 billion rubles. At the same time, the portfolio of corporate loans for 10 months of 2018 decreased by 59% to 55.7 billion rubles. As a result, the Agency currently notes a low business diversification (the Herfindal-Hirschman index in the activities was 0.37 per 10.10.18 in accordance with IFRS). In the medium term, the Agency expects strengthening the competitive position of the Bank as a result of its further development in the Unified Development Institute in the Housing Sphere.

Weak current assessment of capital adequacy.Due to the revaluation of credit risks received by the Bank's capital adequacy regulations below regulatory lows from 12.04.2018 to 01.11.2018. Capitalization of the Bank, including at the expense of capital contributions from JSC "Houserf" in the fourth quarter of 2018, will allow you to comply with a credit organization all prudential standards as of 01.01.2019, which is taken into account as part of the revision of the rating. Following the first 9 months of 2018, the bank received a positive financial results 8.4 billion rubles, mainly due to reserve recovery. The Agency notes that the Bank supports the low level of net percentage margin (3.4% for the period from 01.10.2017 to 01.10.2018) with a stable coverage of net percentage and net commission income of expenses related to activities during the 3 quarters of 2018.

Low quality assets.About 52% of the bank's gross assets forms a loan portfolio, which is characterized by low quality. As of 01.11.2018, overdue debts on loans for Yul is about 34%, and the retail portfolio is 8.9%, which exceeds the average market. It is noted that a substantial part of the loan portfolio was formed on the balance sheet of the bank before its sanation of the ASV Group of Companies, and was also formed in connection with the accession of rejoiced banks under the financial recovery plan. The agency also indicates the presence on the balance sheet of the bank of assets with certain signs of impairment (not included in the perimeter of the sanation), in the absence of an adequate amount of formed reserves on them. A number of problem corporate loans on the bank's balance sheet have a delay in the formation of reserves within the framework of the Financial Recovery procedure until 2025. A third of assets accounted for a portfolio of high-quality securities and participation in the capital of structures that completed the construction of objects of the Su-155 group of companies.

Adequate position on liquidity and funding structure.As of 01.11.2018, the coverage of attracted funds by liquid assets is estimated as acceptable: LAT share is 34% of the funds raised. The Agency emphasizes the presence of a significant amount of unscrewed securities that can potentially act as a source of additional liquidity for the Bank (according to the Expert RA, about 25% of the funds raised on 01.11.2018). Diversification of the resource base for creditors and sources is estimated as high. At the same time, due to the optimization of the regional office network of the Bank, there is a significant reduction in the funds raised (for 10 months of 2018, Yul and FL funds decreased by 27% to 150.8 billion rubles), which, nevertheless, did not give pressure on the liquid position of the bank.

Conservative assessment of corporate governance Dictated by the short term of the new bank top management team. Management quality assessments may be revised with further operational efficiency, the formation of high quality revenue assets and the implementation of the strategy. The Bank's strategic documents are characterized by a low degree of detail, which makes it difficult to assess the achievement of the objective indicators of the Bank's activities. However, the Agency is positively assessed by the gradual integration of the Bank's business processes with the profile of the activities of JSC Dom.rf.

reference Information

Registration number: 2312

Date of registration by the Bank of Russia: 23.04.1993

Beach: 044525266.

Main State Registration Number: 1037739527077 (10.02.2003)

Authorized capital: 52 000 000.00 000 rub.

License (issue of issuance / last replacement) Banks with a basic license are banks that have a license in which the name "basic" is present. All other existing banks are banks with a universal license:
Universal license to carry out banking operations with funds in rubles and foreign currency (with the right to attract funds in deposits of individuals) and for banking operations with precious metals (12/19/2018)
Licenses

Participation in the Deposit Insurance System: Yes

About Bank Dom.rf.

Until December 13, 2018, the Bank House. RF was called "Russian Capital" and belonged to a 100% deposit insurance agency. From December 26, 2017, the only shareholder of the Bank is Joint-stock company Dom.rf . The purpose of the organization is to create the largest mortgage Bank By 2020, under the brand of the same name.

The Bank of Russian Capital was founded in 1993 and was originally called Rokabank.

The Bank of Russian Capital possessed a huge network of sales consisting of about 140 units in 27 russian regions, including Nizhny Novgorod, Novosibirsk, St. Petersburg, Krasnodar, Rostov, Chelyabinsk. The bank also has its own about 140 units of equipment.

An formed client base of the Bank consisted of individuals and corporate clients.

Companies Bank Russian Capital offered RKO, loans, deposits and bills, transactions with securities, collectors services, bank cards, acquiring services.

The population of Russian Capital offered contributions, loans (on consumer needsAcquisition road transport and real estate), bank cards, money transfers, use individual bank safes, Broker services.