Bank of ДОМ.РФ

Bank Дом.РФ JSC (formerly Russian Capital JSCB, OJSC) was founded in 1993. General License No. 2312 of April 28, 2003. The bank is included in the register of banks included in the Deposit Insurance system, No. 921 of September 22, 2005. As of 2021, it is a member of Дом.РФ JSC.

Performance indicators

2023: Net profit growth by 56% to RUB 47 billion

Net profit of Дом.РФ for 2023 increased by 56% compared to 2022 and amounted to 47 billion rubles. Such data in accordance with International Financial Reporting Standards (IFRS), the Housing Development Institute published on February 19, 2024.

As reported in the materials of "Дом.РФ," in 2023 the volume of assets of the state corporation increased by 43% (almost to 4 trillion rubles), primarily due to an increase in the portfolio of project financing for housing construction by 393 billion rubles and financing the creation of rental housing. Return on equity was 17.3%. The company's operating income for 2023 increased by 39%, to 88.81 billion rubles.

In its reporting, Дом.РФ also drew attention to an increase in the volume of funds raised from legal entities and individuals in 2023 by 436 billion rubles, as well as to an increase in funds in escrow accounts by 218 billion rubles as part of project financing activities. Speaking about the key events of 2023, the press service of "Дом.РФ" noted the following:

• two issues of infrastructure bonds worth 45 billion rubles;
• six issues of corporate bonds totaling 105 billion rubles;
• nine issues of mortgage securities worth 669 billion rubles.

In 2023, more than 1 million Russians took advantage of mortgage programs operated by Дом.РФ, including 200 thousand large families received compensation to pay off mortgages. In addition, with the participation of the company in 2023, more than 6.4 million square meters. m of housing, 100 hectares of land donated to 20 regions. Дом.РФ is also an operator of an infrastructure bond instrument that allows developing infrastructure in the regions. By the end of 2023, the instruments of the Development Institute were distributed in 73 regions of Russia.^[1]

2022: Doubling assets to 1.8 trillion rubles

The volume of assets of Дом.рф Bank in 2022 doubled compared to 2021 and exceeded 1.8 trillion rubles. The organization released such data in mid-March 2023.

According to TASS, citing materials from Дом.рф, the bank's net profit in 2022 amounted to 24.7 billion rubles, which is 67% more than a year earlier. Net interest income of the bank increased by 75% to 49.5 billion rubles, which, according to the organization, is due to a change in the average value of assets generating interest income. The increase in net commission income by 52% (up to 4.6 billion rubles) is due to an increase in the volume of settlement operations and customer transfers by half.

The increase in the book value of the portfolio for 2022 by 47% is mainly associated with the issuance of mortgage loans. As of December 31, 2022, the project financing portfolio reached 635 billion rubles, having increased by 309 billion rubles since the beginning of the year against the background of an increase in the sample under loan line agreements for project financing of housing construction.

As noted, the increase in balances for 2022 by 852 billion rubles is most associated with the inflow of funds to term deposits of legal entities and financial institutions and escrow accounts of individuals. The share of funds in escrow accounts of individuals and legal entities as of December 31, 2022 amounted to 24% of the total amount of funds of clients and funds of financial institutions.

In the rapidly changing market conditions of the past year, Дом.рф Bank was focused on maintaining the dynamics of development in the field of housing construction, supporting customers, improving the quality of services through the active introduction of online services. This allowed one and a half times to increase the portfolio of mortgage loans and double the portfolio of project financing, - said the chairman of the board of the bank Artem Fedorko.[2]

Digitalization of Дом.РФ

Unified Service Center

CSR - General Service Center - a specially created division in the structure of a large company or institution to which certain business processes of the entire organization are transferred (for example, accounting, human resources management, information technology)

ECC - Unified Service Center is

• about 2000 employees in Voronezh
• more than 30 business units
• serves both internal (GC ДОМ.РФ) and external customers

IT Block in SCS -

• technical support for users (1st and 2nd lines)
• maintenance of information systems
• infrastructure administration
• software development and development of information systems

2024: Launch of automatic mortgage issuance technology

The Bank of ДОМ.РФ continues to digitalize the issuance. mortgage loans Previously, the organization has already implemented the function of automatic approval of a request from a client. Now bank he has launched the technology of automatic issuance, credit opening a letter of credit and placing funds on it. All processes for issuing and placing funds in favor of the seller real estate are carried out without the participation of the back office, the operation is fully automated. The bank announced this on April 27, 2024.

This tool excludes the human factor at the stages of providing a mortgage loan, thus reducing the risk of errors and inaccuracies, and settlements on a real estate transaction will take place online, "said Kirill Varentsov, Vice President of the Bank of ДОМ.РФ.

Automation improves productivity, helping to increase the number of transactions. In the first quarter of 2024, the Bank of ДОМ.РФ issued about 17,500 mortgage loans in excess of 100 billion rubles. This is 2.2 times more than in the same period of 2023.

The introduction of automated issuance will reduce operating costs for mortgage registration, while the client will receive credit funds almost online. During the week of operation of this tool, about 1,000 mortgage loans have already been automatically issued. According to our estimates, up to 50% of all bank mortgages can be issued in this way. In addition to automation, we are also testing solutions based on artificial intelligence, which are also designed to reduce manual labor and free up resources to create new technological products, "said Nikolai Kozak, Vice President of the Bank of ДОМ.РФ.

2023

Growth in the number of issued electronic mortgages for the year more than 2 times

The share of mortgage loans issued in electronic format at Дом.РФ Bank amounted to 70% of the total number of transactions for 9 months of 2023. Over the year, their number has more than doubled: over the same period last year, the share of home loans issued by the bank online was 33%. Read more here.

Interbank integration with Tochka Bank

Bank for entrepreneurs and enterprises Tochka, together with the Bank of ДОМ.РФ, conducted interbank integration. Now customers of the Point will be able to receive a loan from the Bank of ДОМ.РФ in the interface of their Internet bank. Tochka announced this on October 5, 2023. Read more here.

Issuance of the first mortgage in Russia using a QR code

The family Tyumen issued the first Russia mortgage loan in accordance with - To the QR code the transaction without filling out a questionnaire and providing documents was carried out by the Bank ДОМ.РФ. The client scanned automatically formed a QR code in the partner's personal account and in a matter of minutes received a comprehensive solution for bank all existing mortgage programs. Read more here.

2022: Connection to the "Digital Profile of a Citizen"

The bank has ДОМ.РФ connected to the "Digital Profile of a Citizen," Oleg Komlik, director of the Digital division of the Bank of ДОМ.РФ, said on November 11, 2022. This will allow the bank to receive data on individuals contained on the service in one window mode and simplify the process of issuing mortgage loans for customers .

"Digital Profile" is a service created Ministry of Digital Development by and Central Bank that contains information about individuals collected from databases various state institutions:,,, and FTS Federal Registration Service MINISTRY OF INTERNAL AFFAIRS RPF others. As of November 2022, the resource presents 38 types of data on citizens: details of basic documents, contact, as well as information information on income and the state of the pension account. can Russians regulate access to information of certain institutions without the ability to enter and edit them independently.

Thanks to this change, the Bank will ДОМ.РФ be able to request data from the "Digital Profile of a Citizen" and use it to make a decision on the provision of a mortgage. As part of the process, the client will be sent an SMS request for consent to provide his data, after which the user will be required to provide permission by logging in to the Public services portal.

The use of "digital" data simplifies the entire process of obtaining a loan or other service and is beneficial for all parties. Customers will not need to provide paper documents as a customer. The bank, receiving up-to-date data on customers online, reduces its operating costs, time for product design, and reduces risks when making a decision. The state, in turn, wins due to the digitization of data, storage of information about the client in a single core and systematization of information about user organizations, - commented Oleg Komlik.

All credit, insurance and microfinance organizations, operators of financial platforms can receive data from the "Digital Profile of a Citizen." The list of participants will be replenished over time. In the near future, a similar implementation is also planned for consumer loans.

History

2023: Bank of ДОМ.РФ 's Naumen-based project wins FINAWARD "23

The Bank of ДОМ.РФ received an award at FINAWARD "23 for the organization of effective customer service. The company's prize was provided by a project to transform the bank's client service, which was based on the construction of a single operator's workplace, the creation of an online showcase of the client's profile and voice analytics, as well as the launch of a smart voice assistant. These initiatives were implemented in parallel and helped to ensure a high level of service with the growth of the client portfolio by 150% without expanding the staff. Read more here.

2022

Conducting the first transaction for the purchase of housing in a new building with the registration of an e-mortgage

Bank "Дом.РФ" carried out the first mortgage transaction on the purchase of an apartment at the stage constructions with simultaneous registration. electronic mortgage The E-mortgage was signed by the borrower digitally signed and transferred online Federal Registration Service to together with documents for registering an equity participation agreement (DDU construction). This was TAdviser announced on December 22, 2022 by representatives of Дом.РФ bank. More. here

Joining the AFL

On May 19, 2022, ДОМ.РФ Bank announced its accession to the FinTech Association (AFL). This will allow the bank to reach a new level of work on the digitalization of the construction industry and the financial services market.

One of the important tasks of the ДОМ.РФ Group is the digital transformation of construction the sector and the housing sector as a whole. The introduction of the latest technologies is aimed at transparency and convenience of all processes for citizens, reducing business costs and. As states part of this work, the Bank is ДОМ.РФ actively developing the market: electronic mortgage mortgages when switching to this technology credit , it provides methodological, technological and expert support to organizations. ДОМ.РФ also takes part in an experiment that implements Bank of Russia together with and, on the Federal Registration Service Ministry of Digital Development of Russia use of technology for blockchain exchange when data registering between mortgages credit institutions and departments.

ДОМ.РФ continuously improves the quality of services in the housing and mortgage market through the development of technologies and the development of a methodology for their implementation both within the company and for the industry as a whole. This work gives a concrete result - banks with our support are switching to electronic mortgages, which ultimately affects the attractiveness of banking products. Joining the AFL for us is an opportunity to scale already created ДОМ.РФ solutions and develop new popular products. The exchange of experience and expertise accumulated by colleagues is important for us, "said Nikolai Kozak, Managing Director for Digital Transformation of the ДОМ.РФ.

Participation in the AFL opens up new opportunities for the Bank of ДОМ.РФ. In particular, the bank will be integrated into the process of improving electronic interaction with state information systems and key areas of the Association's activities: the development of open APIs (Open APIs), insurance market technologies, remote identification and management of digital identity, cloud services.

Together with the AFL, the Bank of Russia and key financial market participants are engaged in creating an open banking environment and developing mechanisms for introducing Open APIs (open program interfaces) into the digital infrastructure of the Russian financial market. At the Association site, options for promoting and popularizing the Open API environment are being worked out, as well as requirements for information security and data models.

Technology development requires consolidation of all financial market participants. On the site of the Association, we develop approaches to innovation, identify promising areas, collect and analyze the opinions of leading players, including banks, insurance companies, payment systems and fintech. We are glad that another participant, Bank of ДОМ.РФ, who has a high level of expertise in the field of IT, has joined us, - commented Tatyana Zharkova, General Director of the FinTech Association.

2021:100 thousand records of loan applications at Дом.РФ Bank are sold on the dark web

About 100 thousand records of people who applied for lending at Дом.РФ Bank have been leaked to the darknet, RBC reported on April 5, 2021^[3]. The bank itself confirmed the fact of the leak and admitted that its cause was a vulnerability in the remote filing of initial applications for a cash loan.

On the cyber-criminal site, where the announcement of the sale of the merged customer base "Дом.ру" was published, it is said that the file contains 104.8 thousand records for the period between February 2020 and March 2021.

Records contain information such as potential credit amount, phone number, and email address (with minimal filling) or a full set of personal data that is required for obtaining a loan, that is, full name, date of birth, amount and type of loan, phone number, mailbox, passport data, TIN, SNILS, home address, address of place of work, position, amount of income, as well as information about the trustee and other information.

In support of this, the attackers attached a record of one of the database participants with an almost complete set of data.

The seller of the base asks 100 thousand rubles for the entire base. Individual lines from it are sold for 7-15 rubles, depending on how fresh the data in them is.

For cybercriminals, the appearance of such databases is a great success: even if it hardly allows you to get directly to the accounts of Dom.Ru customers, all this information is an excellent help in conducting phishing attacks and even for fraudulently issuing loans remotely. Those people whose data fell into a "public criminal circulation" can be advised to change their passport and, if possible, submit an application to the police about, data breach which will make it easier to prove their innocence if their personal information is used in fraudulent actions or other illegal operations. As for the bank, there is no universal means. financial There have been and will be attacks on institutions. One can only advise the regular involvement of various commands that foams testers vary attack scenarios and thus check the operability and relevance of the implemented complex, information protection believes Dmitry Gvozdev, CEO of Information Technologies of the Future.

The "Дом.ру" noted that the attackers could take possession of information from primary applications with unconfirmed data that do not allow access to customer accounts and manipulate funds, and that the bank's services "intend to carry out work to prevent the dissemination of data."

2020

Sending advertising SMS to customers at ATMs

In December 2020, it became known that banks in Russia began to send advertising SMS messages to customers at ATMs. To do this, credit institutions have introduced new CRM systems. The bank "Дом.РФ" wants to inform customers about pre-approved personal offers and through ATMs. Read more here.

Sale to Rosatom of a building in the center of Moscow for 4.84 billion rubles

At the end of June 2020, Дом.РФ sold the building with a total area of ​ ​ almost 40,500 square meters in Kitaygorodsky Passage in Moscow to Atomenergoprom, which is part of Rosatom. The transaction cost amounted to 4.842 billion rubles. This is stated on the website "Дом.РФ."

Until 2018, the building occupied. Ministry of Industry and Trade The Federal Tariff Service and the executive committee of the CIS Electricity Council were also located there. The agency moved to the "IQ-quarter" in. "Moscow City" The idea of ​ ​ transferring ministries from old buildings to a modern complex was supported by the president. Russia Vladimir Putin

The legal commission endowed the "Дом.РФ" within the framework of the 161-FZ "On Assistance to the Development of Housing Construction" with the powers of the agent of the Russian Federation for involvement in circulation and management of land plots and other real estate objects owned by the federal and unused copyright holders.

According to Vedomosti, at the end of June 2020, Rosatom held a tender for connecting this complex to the Internet: the documentation for the lot said that this service should be provided to Atomenergoprom^[4]

Alan Baloev, director of the capital markets department at Cushman & Wakefield, believes that it was beneficial for both the seller and the buyer. On the one hand, there are few investors who are ready to purchase an office for such an amount, on the other hand, it is not easy to find a platform near the Kremlin.

The newspaper calls the deal between Дом.РФ and Atomenergoprom the largest in the office real estate market in 2020. According to JLL, the record belongs to ALROSA, which bought from the Areti group an office of 29,420 square meters on Sevastopol Avenue. According to CBRE, there was a larger deal this year: Metrika Investments acquired the office part (56,000 sq. M.) of the Neva Towers complex in Moscow City. However, other consultants attribute this deal to 2019.

Home mortgage registration

In mid-April 2020, the Bank of ДОМ.РФ began conducting electronic transactions with mortgages, when clients sign all documents with an enhanced qualified electronic signature using a smartphone. By mid-April 2020, such transactions were carried out in Moscow, St. Petersburg, Samara, Nizhny Novgorod and Chelyabinsk, in the near future the bank plans to scale up electronic mortgages to all regions of the bank's presence. Read more here.

Lawsuit against Mikhail Zingarevich to declare bankrupt

The Arbitration Court of St. Petersburg and the Leningrad Region registered a lawsuit to declare the president of Plaza Lotus Group and a member of the board of directors of the Ilim group Mikhail Zingarevich bankrupt. The applicant is Bank ДОМ.РФ JSC. This became known on January 29, 2020. Read more here.

2019: New Chief information officer - Mikhail Gromov

In 2019, Mikhail Gromov joined the Bank of ДОМ.РФ team as Group Information Technology Director and Vice President, and later the Bank of Russia approved Gromov's appointment to the position of Deputy Chairman of the Board of Bank ДОМ.РФ. Read more here.

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Among the owners of Bank Дом.РФ JSC for 2019 - Vnesheconombank -- >

2018: JSCB "Russian Capital" changed its corporate name to JSC "Bank of Дом.РФ"

JSC "Russian Capital" (JSC) changed its corporate name to JSC "Bank ДОМ.РФ." On December 13, 2018, a new version of the bank's charter was registered, containing a new name. The logo and corporate identity of the bank is also changing.

The new logo and corporate identity includes a visual connection with ДОМ.РФ, the bank's sole shareholder. The renaming took place in accordance with the decisions made earlier after the transfer of 100% of the bank's shares to ДОМ.РФ.

In accordance with the development strategy of a single institute for development in the housing sector, a universal mortgage-construction bank is being created on the basis of the Bank of ДОМ.РФ, which will focus on the development of a single ecosystem of the housing sector: from lending to citizens to the development of bank support and project financing for developers.

2017: Transfer of 100% of shares of Russian Capital Bank to AHML

In October 2017, it became known that after the transfer under the control of AHML, Russian Capital Bank will receive the entire mortgage business of the state-owned company. Interfax writes about this with reference to the agency's documentation. "The mortgage business of AHML (agency issuance mechanism) will be transferred to the bank, including customer and agent databases, systems and processes," the materials say. Housing loans (including securitization with the help of the ICB Factory) will become a priority in the retail business of Roskap. In particular, for 2018 it is planned to launch the first products of digital mortgages. Interestingly, the direction of retail housing loans in a credit institution is planned to be developed under the Дом.рф brand. The corporate business of Russian Capital will focus on financing housing construction and housing and communal services. The transfer of the bank under the control of AHML is planned to be completed by the end of this year, said the head of the agency Alexander Plutnik in early September. "We are now preparing administrative acts of the Government of the Russian Federation. This fall, the stock transfer process will begin, which will end in December. After that, AHML will become the owner of the bank, "said Plutnik (quoted by RIA Novosti). We will remind, earlier the cost of "Russian capital" was estimated at 92 billion rubles.

The Russian Federation transfers 100% of the shares of Russian Capital Bank to the Agency for Housing Mortgage Lending JSC (AHML). The corresponding government order was signed in November 2017 by Prime Minister Dmitry Medvedev. The document is published on the official website of the Cabinet of Ministers.

At the end of October, Roskap took 27th place among all Russian banks in terms of the loan portfolio (170.8 billion rubles). In terms of assets, it turned out to be slightly higher - in 26th place (376.9 billion rubles). As for net profit, the situation is much sadder. The bank became 569th, generating a loss of almost 19 billion rubles.

2009-2014

Since 2009, the protection of the interests of the Bank's clients and counterparties has been guaranteed by the Agency, which is responsible for ensuring the Bank's strong financial position and fulfilling its obligations to all creditors.

JSCB "RUSSIAN CAPITAL" has been developing its branch network; over the past few years, 3 regional banks have been successfully merged: OJSC "Gubernsky Bank" Tarkhany(Penza and Penza Region), OJSC "" PotentialBank(Samara Samara Region and Samara Region) and OJSC KB "" (Nizhny Ellipse Bank Nizhny Novgorod Novgorod Region). The bank includes about 140 internal structural divisions: branches, additional offices and operating cash desks in 27 regions. The Russia Bank has about 2,300 employees.

In June 2014, the international agency FitchRatings confirmed the long-term rating of the issuer of JSCB RUSSIAN CAPITAL at B +, the forecast is stable, and the rating agency Moody's recorded the bank's national rating at Ba1.ru. The National Rating Agency upgraded the Bank's rating to AA (very high creditworthiness, third level). In addition, the Expert RA rating agency (RAEX) has assigned a creditworthiness rating at A++ "Extremely high (highest) level of creditworthiness."

According to information for 2014, JSCB "RUSSIAN CAPITAL" (PJSC) is a universal bank with a wide branch network and a shareholder represented by the State Corporation "Deposit Insurance Agency" (99.99% of the shares). The bank is one of the TOP-50 Russian banks in terms of net assets. As of December 1, 2014, the Bank's assets amounted to about 168 billion rubles, and the amount of own funds - about 21 billion rubles.

1993: Founding of Russian Capital JSCB

JSCB "Russian Capital" was founded in 1993.

Notes