• The Moscow Bank for Reconstruction and Development became a laureate of the National Award “Financial Olympus” in the category “RETAIL BANK”, category “DYNAMICS AND EFFICIENCY”.
• The Moscow Bank for Reconstruction and Development was awarded the “FINANCIAL ELITE OF RUSSIA-2007” Award in the “Best Mortgage Bank of the Year” nomination.
• Chairman of the Board of IBRD Sergey Zaitsev was awarded the “Career of the Year” award in the category “For a systematic approach to business management”
• The Moscow Bank for Reconstruction and Development was awarded the “Company of the Year 2007” Award (RBC) in the “Most Dynamically Developing Company” category.

• IN December 2007 IBRD became the owner of a controlling stake in the Luxembourg East-West United Bank (EWUB). After concluding a deal with VTB Bank Russia and VTB Bank France to purchase a 49% stake, IBRD increased its stake to 66%. The transaction amount was 31 million euros.
• According to the IBRD Consumer Experience Index, it is among the top ten. For the first time, the attractiveness of banks, according to a study conducted by Senteo specialists, was assessed from the point of view of the client’s perception of five different factors that influence the consumer’s decision to purchase bank products and services: brand, communications, environment, offer, service culture. Research has shown that the average retail banking experience in Russia is 3.32 as of 4th quarter 2007. The IBRD is firmly positioned above the average index.
• The Moscow Bank for Reconstruction and Development has opened a new specialized Mortgage Center, the second in Moscow. The department will serve both private partners and legal entities, offering a full range of services. The new mortgage center is located at: Izvestkovy Lane, 7, building 1 (Taganskaya metro station). The existing center is located at: st. Bolshaya Tulskaya, 2 (Tulskaya metro station).

• At the First All-Russian Congress of Mortgage Brokers, the Moscow Bank for Reconstruction and Development was awarded a special diploma for its invaluable contribution to the development of a network of civilized mortgage brokers in Russia. The Congress became the first joint project of the National League of Certified Mortgage Brokers, which implements the interregional Project “ProstoIpoteka”, and the largest organizer of business events Infor-media Russia.

September

• In order to improve the service and convenience of Clients using bank cards with account credit conditions, JSCB MBRD (OJSC) introduced a new edition of the Terms and Conditions for obtaining and using credit cards. The changes apply to all Bank credit cards, including those issued before the date of entry into force of the new edition of the Terms and Conditions for obtaining and using credit cards, including co-brand cards with the companies: MTS, Detsky Mir, Armand.
• September 19, 2007 At the Savoy Hotel, the Moscow Bank for Reconstruction and Development organized a round table “The mortgage crisis in the United States and its impact on the Russian financial market.”
• In addition to discussing the causes of the mortgage crisis in the United States and the possibility of a repetition of similar events in Europe and Russia, the experts touched upon other topics, in particular: Analysis of the state of the Russian financial market in terms of the availability of liquidity and the long-term impact of the financial crisis on the state of the mortgage and consumer lending market.
• The Department of Individual Services for Private Capital of the Moscow Bank for Reconstruction and Development has developed a new product for VIPs - “CLUB CARD”, capable of satisfying any requests made by Clients for a bank card. The uniqueness of this product lies in the combination of a payment and credit card, which is easy to use and maintains an individual approach to each Client of the Bank.
• The Lipetsk KCO of the Saratov branch, the Ezhvinsky regional branch, and the Engelssky regional branch of the Saratov branch were opened.

• The Moscow Bank for Reconstruction and Development has expanded the list of accredited development companies with which it cooperates on mortgage lending programs for citizens. CJSC PIK-Region became the new partner of the Bank.
• The Department of Individual Services for Private Capital of the Moscow Bank for Reconstruction and Development has developed a new product “CLUB CARD”, capable of satisfying any requests made by Clients for a bank card.
• The Moscow Bank for Reconstruction and Development has improved the conditions for express lending under the Wooden House Construction program. The interest rate on the loan decreased from 16% to 8-12% (depending on the loan term).
• The Moscow Bank for Reconstruction and Development has launched new mortgage lending programs “Optima” and “Optima INVEST”.
• The Moscow Bank for Reconstruction and Development has launched new car loan programs for the purchase of foreign-made category C and D vehicles.
• The Moscow Bank for Reconstruction and Development has entered into an agreement with VTB Europe Bank. As part of the agreements reached, JSCB MBRD (OJSC) attracted a loan in the amount of 35 million US dollars for a period of 3 years.
• The Moscow Bank for Reconstruction and Development has introduced ruble tariffs under classic car loan programs for the purchase of new foreign-made vehicles of category B.
• MBRD entered the TOP 15 best mortgage banks. According to a study by the RBC rating agency, the Moscow Bank for Reconstruction and Development has become one of the best among mortgage banks on the Russian market. According to the results first half of 2007 The bank took 13th place in terms of the volume of mortgage loans issued and 10th place in terms of the number of completed transactions.
• KCO "Severny" of the Ufa branch, D/O "Severny" of the Ufa branch were opened.

• IN July 2007 The international rating agency Fitch Ratings has upgraded IBRD's ratings: long-term rating (IDR) from "B" to "B+" and national long-term rating from "BBB-" to "A-". The ratings outlook is “Stable”. Fitch Ratings also confirmed the bank's short-term rating at "B", individual rating at "D/E" and support rating at "4". At the same time, Fitch upgraded the ratings of IBRD Eurobonds maturing in March 2008 and June 2009 from “B” to “B+”. The asset recovery ratings assigned to the issues were confirmed at the level of “RR4”.
• A subsidiary office of the Ufa branch was opened in Sterlitamak, URM Ufa, Initsiativnaya St., 1/1, Volgograd, Mira St., 13

• IN June 2007 According to a study conducted by RBC RA, the Moscow Bank for Reconstruction and Development entered the top thirty largest banks in Russia. According to the results first quarter 2007 year, the Bank took 27th place in terms of net assets and 23rd place in terms of deposits.
• IN June 2007 The Moscow Bank for Reconstruction and Development has launched new car loan programs for the purchase of small boats and category “A” vehicles.
• A branch was opened in Chelyabinsk, a subsidiary of the Moscow Region branch in Khimki, a subsidiary "Mortgage and Retail Center" of the Saratov branch, URM Volgograd, sh. Aviatorov, 8

• IN May 2007 10 new regional offices of JSCB MBRD (OJSC) were opened.
• Opened: branch in Kemerovo, Tver KCO of the North-Western branch in St. Petersburg, Orenburg KCO of the Ufa branch, Samara KCO of the Saratov branch, Yaroslavl KCO of the Nizhny Novgorod branch, Astrakhan KCO of the Volgograd branch, Izhevsk KCO of the Ufa branch, Penza KCO of the Saratov branch . D/O "Komsomolsky" of the Krasnodar branch, D/O "Mortgage Center" of the North-Western branch in St. Petersburg, URM Sterlitamak, Profsoyuznaya st., 14.
• The Moscow Bank for Reconstruction and Development has entered into an agreement with Dresdner Bank. As part of the agreements reached, JSCB MBRD (OJSC) attracted untied credit resources in the amount of 50 million US dollars for a period of 2 years.
• The Moscow Bank for Reconstruction and Development (JSCB MBRD (OJSC)) increased the maximum amount of a standard mortgage loan from 4 million rubles to 16.2 million rubles for residents of the Krasnodar Territory.

• The Board of Directors of JSCB MBRD (OJSC) decided to increase the authorized capital of the Bank through an additional issue of shares. As a result, the authorized capital amounted to 545.5 million rubles.
• D/O No. 2 of the Tomsk branch was opened.
• JSCB MBRD (OJSC) took 17th position in the list of the largest players in the car lending market compiled by Finance magazine. (No. 13(199) dated April 2-8, 2007).
• MBRD and the TsMD-soft company completed a joint project to automate the Bank’s Mortgage Center. The specialized industry solution “CMD-soft: Mortgage lending based on Microsoft Dynamics™ CRM” was used as a technological basis.
• Moscow Bank for Reconstruction and Development based on the results two months 2007 recognized as the fastest growing credit institution out of the 100 largest. According to the magazine “Finance.”, the working assets of JSCB MBRD (OJSC) increased by 35% during this period. According to a study, JSCB MBRD (OJSC) took 24th position in the rating of Russian banks on March 1, 2007 January 29, 2007 Joint Stock Commercial Bank "Moscow Bank for Reconstruction and Development" (open joint stock company) turned 14 years old.

07/06/2018, Fri, 10:04, Moscow time , Text: Igor Korolev

MTS increased its stake in MTS Bank to a controlling stake by purchasing a blocking stake in the bank from AFK Sistema for RUB 8.27 billion. In total, MTS invested 21.88 billion rubles in MTS Bank over the years of joint cooperation.

MTS bought MTS-Bank

The telecommunications operator Mobile Telesystems (MTS) increased its stake in MTS Bank to a controlling stake. As follows from MTS's message, its subsidiary Mobile Telesystems B.V. bought 28.63% of the bank's shares for 8.27 billion rubles. As a result, MTS's share in MTS Bank increased from 26.61% to 55.24%.

The seller was AFK Sistema, the controlling shareholder of MTS. Until recently, AFK Sistema directly controlled MTS-Bank. Now the corporation's direct ownership share in the bank has decreased from 71.87% to 43.24%.

How MTS Bank merged into MTS

MTS Bank was originally called the Moscow Bank for Reconstruction and Development (MBRD) and belonged to AFK Sistema. In 2011, MTS began to cooperate with the World Bank: the MTS-Money payment system was launched. At the same time, the World Bank and MTS agreed to share profits from MTS-Money in a ratio of 70% to 30%.

In 2012, MBRD was renamed MTS-Bank. At the same time, an agreement was reached on MTS joining the bank’s capital.

MTS bought a blocking stake in MTS Bank from AFK Sistema

At the beginning of 2013, MTS acquired a 25.1% stake in MTS Bank for 5.09 billion rubles. Subsequently, MTS, together with AFK Sistema, participated in several additional issues of shares of the bank. In 2014, MTS invested 3.64 billion rubles in the bank.

At the beginning of 2016, MTS bought out part of the bank’s additional share issue for 1.3 billion rubles. At the end of the same year, MTS participated in another additional issue of shares of MTS Bank, paying 2.77 billion rubles for this. After all these transactions, the size of MTS’s share in MTS Bank changed slightly. Thus, in total, starting from 2013, MTS invested 21.88 billion rubles in MTS-Bank.

How much does MTS earn from MTS Bank?

According to MTS reporting, in 2017 the operator earned 1.507 billion rubles from mobile services and call center services provided jointly with MTS Bank. Additionally, the operator earned RUB 372 million from processing documents for issuing credit cards and issuing loans to bank clients.

At the same time, MTS-Bank earned a commission from payments from MTS subscribers in the amount of 2.6 billion rubles. Also, at the end of 2017, MTS held 13.746 billion rubles in accounts with MTS Bank.

How MTS helps Sistema JSFC

MTS traditionally acts as a “financial donor” for Sistema. In 2016, MTS announced a three-year program to repurchase its own shares in the amount of up to 30 billion rubles. In total, the operator acquired 5.9% of its own shares under this program for RUB 29.8 billion. Of this amount, 14.5 billion rubles. went to buy back shares from AFK Sistema.

OJSC MTS Bank is a large financial institution, a subsidiary of OJSC AFK Sistema of Vladimir Evtushenkov. The bank's activities include lending and servicing corporate accounts. MTS Bank also issues credit cards and attracts public funds for deposits. MTS Bank is a participant in the securities market. In 2012, MTS Bank incorporated Dalkobank with a well-developed network of branches in the Far East.

Historical information about MTS Bank, bank activities

Year of birth of MTS Bank: 1993 (in the form of a joint stock company). MTS Bank is one of the largest banks in Russia. The Bank's shareholders are: AFK Sistema (65.3%) and MTS OJSC (25.1%).

Today MTS Bank is developing development plan for the Banking Group until 2016 , according to which:

• Dynamically increasing the volume of retail business, offering clients, along with a wide range of traditional banking services, innovative products born at the intersection of the banking and telecommunications sectors (contactless NFC payments), as well as other high-tech banking services (including modern Internet and Mobile banking).
• Actively works with large corporate clients in all regions of presence, lends to real sectors of the Russian economy (mechanical engineering, military-industrial complex, communications, fuel and energy complex, trade, construction, agro-industrial complex and others), provides comprehensive services to employees of corporate clients.
• Supports small and medium businesses, lending to SMEs under a range of targeted and non-targeted programs.
• Is active in the investment services market.
• Successfully works in the area of ​​Private Banking, providing personal service to VIP segment clients.

Banking group of MTS Bank:

• East-West United Bank S.A. (Luxembourg).
• Investment company "MBRD-Finance".

Large organizations were noticed among MTS Bank clients:

• CJSC "Construction Department No. 155".
• OJSC ROSNO.
• FSUE Cinema Concern Mosfilm.
• LLC Trading House Euroset.
• JSC AHC Sukhoi.
• JSC "Avtodom"
• OJSC "Donproektelectro" and others.

Standard services of MTS Bank:

• Remote service for corporate clients and individuals.
• Investment services.
• Trade finance.
• Private banking.
• Acquiring cards from Visa, MasterCard, American Express, Zolotaya Korona, etc.

MTS Bank in numbers:

• 150 sales offices.
• The number of employees exceeds 3 thousand people.
• 61% of assets are in the loan portfolio.
• 15% of net assets – for securities.
• 13% of assets are to domestic and foreign banks in the form of loans and deposits.
• 24% of liabilities are balances on current accounts of legal entities.
• 31% - funds in accounts and deposits of private clients.
• 24% - deposits of corporate clients.
• 300 thousand plastic cards.
• 600 ATMs.
• Over 1 thousand POS terminals (excluding Dalcombank).

is a net donor in the domestic interbank market .

Based on the results of 2012 the bank received a loss of 4.2 billion rubles, according to RAS reporting (in 2011, the same figure was 205.1 million, in 2010 - 2.8 billion).

Board of Directors: Alexey Buyanov (chairman), Igor Busarov, Anna Goldin, Natalia Evtushenkova, Alexey Kornya, Vasil Latsanich, Galina Levykina, Vadim Savchenko, Mikhail Chaykin.

Governing body: Mikhail Chaikin (chairman), Natalia Evtushenkova, Oleg Maslov, Elena Voronina, Victor Dementsev, Vadim Mamaev.

Financial products of MTS Bank

MTS Bank deposits

MTS Bank offers deposits with favorable interest rates on ruble and foreign currency deposits to individuals. all types of MTS Bank deposits can be opened in branches or left an application online

• MTS Bank - Goryachiy (rubles - 10.33%).
• MTS Bank - Investment (rubles - 10.6%).
• MTS Bank - Mobile (rubles - 8.86%, US dollars - 3.71%, euros - 3.48%).
• MTS Bank - Mobile - under the "Premium to Rate" program (rubles - 9.3%, US dollars - 3.9%, euros - 3.65%).
• MTS Bank - Multicurrency (rubles - 8%, US dollars - 3.4%, euros - 3.15%).
• MTS Bank - Reasonable (rubles - 9.57%, US dollars - 3.86%, euros - 3.62%).
• MTS Bank - Reasonable - under the "Premium to Rate" program (rubles - 10.05%, US dollars - 4.05%, euros - 3.8%).
• MTS Bank - Convenient (rubles - 9.55%, US dollars - 3.65%, euros - 3.65%).

Mortgage loans from MTS Bank

Business loans from MTS Bank

offers loans to individual entrepreneurs for the development and opening of small and medium-sized businesses.

• In the rhythm of business (rubles - 21%).
• Investment (rubles - 12.5%).
• Microcredit (rubles - 16%).
• To replenish working capital (rubles - 12%).
• Overdraft (rubles - 14%).

MTS Bank credit cards

MTS Bank has many types of credit cards with different conditions. More details can be found on the bank's website.

Background information about MTS Bank

• MTS Bank OJSC has a license - No. 2268(information on the website of the Central Bank of the Russian Federation)
• Head of MTS Bank— Chaikin Mikhail Mikhailovich (according to information as of June 18, 2014)
• Address— 115432, Moscow, Andropova p., 18, bldg. 1
• MTS Bank reference numbers— 8 800 250-05-20 (calls within Russia are free)
• Official website of MTS Bank— www.mtsbank.ru.

The bank's management is making plans and at the same time considering options for its sale. Can you trust MTS Bank?

MTS Bank is making grandiose plans. At the end of 2018, make a profit of 1.5 - 2 billion rubles. Increase the retail deposit portfolio by 10%, and the loan portfolio by 20%. Enter the top five leaders in the credit card market. And at the same time, the chairman of the bank’s board, Ilya Filatov, says that there are two or three buyers for it. This was reported by a correspondent for The Moscow Post. What actually happens in the bank?

It seems that all statements of MTS Bank are of an advertising nature. And they must convince its clients that the bank is in business for the long term. There are even buyers for it, but, of course, it is not for sale. It’s funny to listen to such statements, because who needs a bank that has negative ratings. You won't have any trouble with him later.

Evil tongues are talking about the amazing loyalty of the Central Bank and Elvira Nabiullina to MTS Bank, which is allegedly a consequence of the friendship of German Gref and Vladimir Yevtushenkov, owner of AFK Sistema, which owns the bank. In 2014, Gref called Yevtushenkov’s arrest “a great tragedy.”

It seems that a much greater tragedy is when a credit and financial organization tries, probably, to “rub points” with its clients, because if you look at the financial indicators of MTS Bank, they do not show any bright prospects. The bank probably lives off Vladimir Yevtushenkov’s other businesses.

In 2013, the Mobile Telesystems company purchased an additional issue of shares of the bank for 5.1 billion rubles. At the beginning of January 2017, MTS Bank made an additional issue of shares for 5 billion rubles, increasing its authorized capital to 10 billion rubles. Does the bank constantly need refilling?

From January 2016 to March last year, the bank’s assets decreased by 17 billion rubles. At the same time, highly liquid assets decreased by 14 billion rubles. In 2015, the bank suffered a loss of 7 billion rubles, in 2016 – a loss of 9.7 billion rubles. And in 2017, it reported a profit of 2 billion rubles. Can you trust this figure? Or can everything in the banking market be decided by the friendship and loyal attitude of the Central Bank?

It is interesting that the bank plans to attract 1 million clients in 2018, now there are 1.5 million. That is, the number of clients will increase by almost 67%, and the bank plans profit at the level of this year. Why? Yes, because the bank’s press service, apparently, is poor at arithmetic and does not suspect that it is not difficult to compare the figures stated to it. And they immediately cause mistrust.

In 2017, the bank increased the number of clients by 70%, and its profit during this time increased by RUB 13.9 billion. Maybe the bank is understating the numbers in advance to take profits out of the bank? MTS Bank probably has such an opportunity.

It is part of the diversified holding AFK Sistema, and the MTS-Bank banking group includes East-West United Bank S.A. (Luxembourg), as well as CJSC Mortgage Agent MTSB. Its founders are two Dutch companies Stiching MTS-Bank-1 and Stiching MTS-Bank-2.

It is likely that MTS Bank’s profits can be withdrawn into them. Can the money of his clients and bank depositors be transferred there? The “Mortgage Agent” works in a very strange way - at a loss of as much as 41 million rubles.

MTS-Bank is “rubbing points”?

Today MTS-Bank has negative ratings. The bank had exactly the same ones two months ago. Nothing changes for the better in the bank.

The bank reported a profit for the year of 2 billion rubles. However, in three months it lost almost 42% of its profit - 1.3 billion rubles. Again there is a discrepancy with the numbers. Why does the bank report a profit of 2 billion rubles, but it turns out to be at least 3 billion rubles? Or for MTS-Baka 1 billion rubles. back and forth doesn't play a big role?

The share of overdue loans in the bank is much higher than the average for Russian banks (4-5%) – 20.9%.

According to the Camels method, the level of high-risk assets and the level of doubtful debts are much higher than normal. It exceeds it by 2 and 4 times, respectively.

Protection of C4 deposits at a rate not higher than 150% is almost 332%. But physical clients make up the bulk of MTS clients. And their deposits are not reliably protected?

Law enforcement officers might also be interested in the activities of MTS Bank subsidiaries.

What kind of strange companies are these with negative profits and net worth. Maybe money can be withdrawn from them, that’s why this is the result of their activities?

MTS Bank apparently has a lot of dark spots. And it would be nice to shed some light on them. Even a superficial analysis casts doubt on the bank’s reporting and its bright prospects.

Can Elvira Nabiullina “cover” MTS Bank? Why would she need this? If this is allowed, then you can lose faith in the entire banking system of Russia. Could there be “favorites” on the market who can do anything? And the rest are fully responsible and regularly part with their licenses.

Probably, after all, the rules should be the same for everyone. Whoever would be friends with whoever. What if the friendship ends? Will the bank collapse immediately? Is it possible to make bank clients and depositors dependent on personal relationships?

We can only hope that the Central Bank will show integrity. In November last year, MTS Bank already underwent an unscheduled inspection by the regulator. Maybe it's time to have another one?