Regional Development Bank (RDB)

History

2024: Former First Deputy Chairman Vyacheslav Potapov sentenced to 7.5 years for asset divestment

In September 2024, the Basmanny District Court of Moscow sentenced Vyacheslav Potapov, former first deputy chairman of the board of the Regional Development Bank, to 7 years and 6 months in prison for misappropriating bank assets worth more than ₽2 billion. Potapov, holding a senior position at the bank, was found guilty of organizing a criminal scheme to withdraw the bank's liquid assets between October and November 2015. Read more here

2015: License Revocation

In November 2015, the Central Bank of Russia decided to revoke licenses from four Moscow banks - Russian Slavic Bank, Regional Development Bank, Regional Savings Bank and Mezhregionbank.

The license from the "Regional Development Bank" was taken away for the unsatisfactory quality of assets and the lack of reserves in accordance with the accepted risks. The bank ranked 280 and entered the deposit insurance system.

2014

The Bank does not stop at the achieved level, increasing the level of service and increasing the scope of its tasks. In 2014, the composition of the Bank's shareholders was significantly changed, which identified priority development areas, the achievement of which will allow the Bank to increase profitability of its activities, ensure stability and financial stability. To achieve these goals, the Bank's strategy provides for the phased achievement of a number of quantitative indicators, including an increase in the size of net and liquid assets, a portfolio of loans and deposits, and a financial result.

The bank's management policy is aimed at improving the quality of the services provided, the professionalism of employees, the implementation of measures aimed at protecting depositors, ensuring transparency of their activities.

2014, despite the economic crisis, became a year of growth and strengthening of financial stability: profit for 2014 amounted to 329.9 million rubles, which made it possible to increase equity to 1 billion rubles, increase capital adequacy indicators, the Bank's assets exceeded 7 billion rubles.

In 2014, the rating agency Expert RA confirmed the Bank's increased rating at B++ "Acceptable level of creditworthiness," the forecast is "stable."

Since September 2014, RBR JSCB has been included in the List of Banks of the Ministry of Finance of the Russian Federation, which meets the established requirements for the adoption of bank guarantees for tax purposes, as well as in terms of securing state and municipal contracts (List of banks that meet the requirements of Article 74.1 of the Tax Code of the Russian Federation under number 228).

2013

In 2013, the Bank carried out its activities in the Republic of Bashkortostan, in the city Moscow and the Moscow region. According to the main indicators, the Bank is one of the fourth hundred banks. Russia

Making a profit in 2013 and increasing equity provided the Bank with the potential for stable growth in financial performance, creating a stable business reputation among customers and business partners and strengthening competitiveness in the banking market.

According to the Expert-Ural magazine, according to the results of 2013, among the banks of the Ural region, the Bank ranks 33rd in terms of assets, 32nd in terms of deposits. In 2013, the Bank improved its position on the loan portfolio, rising 1 position to 29, and the amount of funds raised by legal entities, rising 3 positions to 30.

JSC RBR JSCB has a positive business reputation, has confidence of its clients and has great potential of development in this region.

In 2013, the Expert RA Rating Agency confirmed the Bank's creditworthiness rating at B++ "Acceptable level of creditworthiness."

The Bank's client policy is based on an individual approach to each client and the provision of the maximum range of services.

In 2013, the Bank provided a wide range of services to enterprises and organizations engaged in foreign economic activity, including opening and servicing customer accounts in foreign currency, intra-bank and interbank money transfers in foreign currency, and currency control services. In 2013, the Bank expanded its opportunities for its clients to carry out foreign exchange transactions and began to carry out transactions with yuan.

2012

In 2012, the Bank selected a customer-oriented business model. This choice implies the implementation of the Bank's strategic objectives as a catalyst for the development of further effective activities. The Bank implemented a number of marketing programs, promotions and special offers for customers. Throughout 2012, the Bank paid great attention to the development of remote self-service channels. In order to make it as easy as possible for customers to interact with the Bank, as well as to increase the level of sales of products, the following were proposed:

• simplified remote banking service through a one-time password system;
• the ability to pay for cellular, Internet, telephone, television services on the Bank's website using a plastic card;
• services of the Mobile Bank (including for legal entities), which allows you to quickly receive information about the account status using a mobile phone.

The Bank continued to work to expand the way loans are repaid. You can now top up your account or repay your loan through:

• Rapid self-service terminals
• Contact money transfer systems, Golden Crown
• Federal system "City"
• Russian Post
• at cash desks and terminals of OJSC Uralsib.

Last year, new products were proposed: a credit card with a grace period of lending, the provision of credit histories through the National Bureau of Credit Histories and Equifax Credit Services LLC.

In 2012, the Bank started selling investment (commemorative) coins in precious metals. The bank began to make transfers using the Golden Crown payment system, and the Unistream money transfer system began to work successfully in the Head Office.

Also, the Head Office organized the sale of services for the provision of individual bank safes for use.

The Bank has developed a discount system providing for the conclusion of partnership agreements under which holders of plastic cards of JSC RBR JSC receive discounts, advantages and began to conclude Agreements with organizations in Ufa. Also, the Bank together with airBaltic airline (Latvia) offered customers to take advantage of frequent flyer privileges.

Throughout 2012, the Moscow branch actively developed the service of "trading acquiring." The number of offices of the Bank in 01.01.2013 amounted to 18 divisions, including the Head Office of the Bank. Developing the activity of high-quality provision of banking services, the Bank also actively positions itself as a socially responsible institution. In October 2012, the Bank allocated funds and Bank employees congratulated pensioners on the Day of Elderly People and Teachers of Lyceum No. 94 in Ufa on Teacher's Day.

2011

In 2011, the Bank implemented a number of marketing programs, promotions and special offers for customers. Including loan programs for individuals at the reduced interest rate "Sale of loans," Promotion "Minus 5%," pension loans on preferential terms, etc. It is possible to apply for a loan on the Bank's website or by phone. In order to speed up the procedure for considering loan applications, the CIS-credit retail program has been finalized.

Among the incentive loyalty programs, a joint project with the All-Season Ski Complex "СНЕЖ.КОМ," thanks to which the Bank's clients could receive a 20% discount on the list of services of the co-branding company. In 2011, free services for corporate clients were introduced as part of the marketing program "We will help your business!" For cardholders, an SMS-informing service was offered, which allows you to expand the possibilities in obtaining additional information on the account and controlling the flow of funds.

The bank has developed card products and unique offers for customers. Thus, depositors of the Bank got the opportunity to issue an international plastic card for free. For the Bank's customers, a convenient service for replenishing card accounts through ATMs of Uralsib partner bank with cash-in function has appeared. As part of the provision of the SMS-informing service, the Bank offered its customers the opportunity to receive information in the form of SMS messages on events committed by card. Also, the Bank proposed for cardholders of JSC RBR JSCB to carry out banking operations using a mobile phone when sending SMS requests to a certain phone number.

In partnership with the National Factoring Company (NFC), the Bank presented a new service - Factoring. This product meets all the requirements of today's time and is designed to meet the needs of customers. Its main advantages were unsecured and unlimited financing, cancellation at the expense of funds from supplier buyers, free and convenient services.

The Bank held an action "In CONTACTe with loved ones!." The protesters received guaranteed prize money on the personal account of their mobile phone. At the same time, the implementation of a new program for lending to pensioners began. The service provided for preferential conditions, a reduced interest rate and the optimal loan amount for citizens of retirement age.

In April, the Bank announced a new integrated system for corporate clients "Client-Bank-Internet in 1C: Enterprise." It demonstrated the unique possibilities of exchanging documents and immediately won high demand among customers.

The internal activities are also marked by a number of notable events. In April, the Bank's management and employees solemnly celebrated their 17th anniversary. In August, there were changes in the composition of the Bank's management. Alexander Buylov, an honored manager who began his work at the Bank in the early 90s, took over as Chairman of the Management Board.

September marked the change of the Bank's short name to RBR JSCB OJSC.

Since the Bank positions itself as a socially responsible institution, in 2011 the management decided to provide all possible assistance and assistance to the charity project "There are no trifles in life!" The project was implemented by the Public Fund for the Development of the City of Ufa. The purpose of this project was to help seriously ill children diagnosed with leukemia, as well as children injured in road accidents. The funds raised were transferred to the Republican Children's Clinical Hospital and City Children's Clinical Hospital No. 17. Helping seriously ill people, the Bank also contributes to the development and promotion of sports in Russia. Thus, in June 2011, the Bank became an official partner of the XX Golf Championship in Russia, which was held on a large scale in Moscow.

In November, the Expert RA Agency confirmed the Bank's rating - "B++," "Acceptable level of creditworthiness." The rating forecast is positive, the stable forecast was previously valid.

In 2011, the Bank ranked 35th in terms of equity and 33rd in terms of net assets.

The Bank became one of the five hundred largest enterprises of the banking sector in Russia according to the results of 2011 according to RBK data.

The Bank took 59th place in the consolidated ranking of the best Russian banks in Russia according to RBR Rating in 2011.

2010

Readers of the newspaper Argumenty i Fakty - Bashkortostan recognized Regional Development Bank OJSC as the best in the field of finance in the nomination "Bank for Loyal Programs for Customers."

OJSC "Regional Development Bank" won the nomination "Bank of High Customer Service Culture" within the framework of the IV Russian Banking Festival.

The Bank's solvency was confirmed by the National Rating Agency: assigned a rating of "Very high liquidity."

The Bank became one of the five hundred largest enterprises of the banking sector in Russia according to the results of its work in 2010.

According to the analytical center Expert-Ural, in the ranking of banks in the Ural region at the end of 2010, Regional Development Bank OJSC took 33rd place in terms of equity and 31st place in terms of net assets. The Bank received the right to place temporarily free funds of state unitary enterprises of the Republic of Bashkortostan in bank deposits (deposits) in accordance with the Procedure for selecting credit institutions, approved by Decree of the Government of the Republic of Bashkortostan of November 23, 2007 No. 342.

OJSC "Regional Development Bank" took part in the seminar on venture capital investment in small enterprises within the framework of the Specialized Exhibition "Innovation Salon" -2010.

On the very eve of the New Year 2011, the Bank opened a new operating office for its clients in Nizhny Novgorod.

For the convenience of its clients, during 2010 the Bank developed and offered new products, favorable and convenient types of deposits, special marketing programs (including seasonal and holiday dates). For individuals, the Bank offered new consumer lending programs and special attractive loan conditions for individuals who are clients of the Bank within the framework of loyalty programs developed by the Bank. The Bank also introduced an Internet banking service for individuals - clients of the Bank. The Bank provided its clients with the opportunity to pay traffic police fines under the City system in all offices of the Bank of Ufa.

Together with OAO OSAO INGOSSTRAKH, the Bank offered a new service - the conclusion of a compulsory motor vehicle liability insurance (OSAGO) agreement for vehicle owners.

For small and medium-sized businesses, the Bank has introduced a new loan product "Business Mortgage." The Bank began lending to small and medium-sized businesses through the targeted resources of the Open Joint Stock Company "Russian Development Bank."

2009

In April 2009, the Bank celebrated its 15th anniversary in the banking market, as well as 15 years of cooperation with the Association of Russian Banks.

The Bank raised its liquidity rating twice: in March 2009, the Bank was included in the group of Russian banks "high liquidity," in June 2009, the bank's solvency assessment was increased to the level of "very high liquidity."

In 2009, OJSC Regional Development Bank opened two offices: an additional Na Vernadsky office in Moscow and an operating office in Neftekamsk.

The Bank signed an agreement with the Pension Fund Branch of the Russian Federation in the Republic of Bashkortostan on the payment of pensions in the bank's offices, and also received the right to place temporarily free funds of state unitary enterprises of the Republic of Bashkortostan in bank deposits (deposits). In December 2009, an additional office was opened at the Belorusskaya branch of Regional Development Bank OJSC in Moscow.

2008

The Department of Licensing and Financial Recovery of Credit Institutions of the Bank Russia registered a report on the results of the additional issue of ordinary non-documentary registered shares of OJSC Regional Development Bank for a total amount of 150,500 thousand. rubles The authorized capital of the Bank after the completion of the additional issue of shares amounted to 650,500 thousand rubles

KPMG has once again confirmed the reliability of the Bank's financial statements

A license of a professional participant in the securities market was obtained without limiting the validity period for brokerage activities

Rating agency Expert RA upgraded the credit rating of Regional Development Bank OJSC from B + to B++ "Acceptable level of creditworthiness"

2007

On February 12, the central office moved to a new building at the address: Ufa, st. Gogol, 60. Entry into SWIFT.

Joining Visa International.

The RA Expert rating was obtained.

Positive audit opinion of KPMG International Audit Company received.

A branch of the Bank in Moscow began its activities.

2006

On November 8, the National Bank of the Republic of Belarus registered a report on the results of an additional issue of shares of Regional Development Bank OJSC in the amount of 400 000 000 rubles. Based on the state registration of amendments to the bank's charter, the authorized capital of Regional Development Bank OJSC amounted to 500 000 000 rubles.

2005

Certificate of inclusion of Regional Development Bank OJSC in the register of banks participating in the deposit insurance system was received.

The Bank has implemented international express transfer systems in three currencies (rubles, US dollars, euros) Western Union and Contact.

Regional Development Bank OJSC received license No. 2782 dated 17.02.2005 for transactions in rubles and foreign currency of individuals and legal entities. (due to renaming of the bank).

2004

An extraordinary meeting of the bank's shareholders was held, at which a decision was made to rename the bank into Regional Development Bank OJSC.

The Bank of Russia's Department of External and Public Relations informs about the decision to issue a positive opinion on compliance with the requirements for participation in the deposit insurance system of credit institutions.

OJSC Bashkir Railway Bank joined the international express transfer system without opening an Anelik account in US dollars.

2003

The second issue of ordinary non-documentary registered shares of Bashkir Railway Bank OJSC was registered.

A report on the results of the second issue of ordinary non-documentary registered shares of Bashkir Railway Bank OJSC was registered.

2002

Expansion of the Bank's network: opening an operating cash desk in Ufa.

2001

The Central Bank of the Russian Federation registered a change in the legal status of the Bank. From a limited liability company, the Bank was transformed into an open joint stock company. The first issue of ordinary non-documentary registered shares of Bashkir Railway Bank OJSC was registered.

2000

A license for foreign currency transactions has been obtained.

1999

Expansion of the Bank's network: opening an operating cash desk in Ufa.

1998

The bank became a member of the all-Russian payment system of plastic cards Accord.

1997

The Central Bank of the Russian Federation registered a change in the legal status of the Bank. The bank was transformed into a limited liability company Commercial-Bank Bashkir Railway Bank.

1996

The founders of the Bank included enterprises of the Kuibyshev railway. The bank was renamed Bashkir Railway Bank in the form of a limited liability partnership. Created own collection service for the delivery and transportation of cash, currency, securities of customers.

1995

The bank joined the Association of Russian Banks.

1994

A license of the Central Bank of the Russian Federation for banking operations was obtained.

1993

Orlan-Bank Commercial Bank was established in the form of a limited partnership.

Shareholders, management and specialists of the Bank have made efforts to ensure that its functionality and reputation grow faster than its formal performance. Through a network of offices and branches in the regions of Russia, the Bank attracted an impressive number of clients, including both legal entities and individuals.

Continuing its dynamic development, the Bank became one of the top three credit institutions in the Republic of Bashkortostan. This determined further opportunities to expand both the scope and geography of the activity. Having a significant network of offices in the Republic of Bashkortostan, the Bank reaches the federal level: a new bank office in Moscow has been opened. In accordance with the development strategy, in the near future it is planned to open the Bank's offices in St. Petersburg, as well as, in general, expand the Bank's presence in the regions.

The Bank firmly consolidates its position in the banking market as a reliable financial and credit institution, as evidenced by the dynamics of rating indicators. In terms of services to the population, the Bank is firmly in the top 100 in Russia. Financial stability is confirmed by RA Expert's B++ rating, and the firmly held positions among the largest banks in Russia are the best evidence of the Bank's solidity.

Since its inception, the Bank has joined Visa International and MasterCard WorldWide international payment systems; became a member of the SWIFT system; has a license of the FSFM for the right to carry out brokerage activities; joined the Association of Russian Banks and the Association of Banks of the Republic of Bashkortostan; is a member of the Chamber of Commerce and Industry of the Republic of Bashkortostan.

In 2008, the authorized capital of the Bank amounted to 650 million 500 thousand rubles. Shareholders plan to increase it further so that the Bank has the opportunity to expand the range and volume of transactions provided.

The Bank's development strategy is aimed at achieving a level that meets international banking standards. The Bank's client policy is designed in the direction of dialogue with the client, and specialists use an individual approach to each service user, focusing on the fullest satisfaction of customers' wishes.

As a member of the Association of Russian Banks, the Bank follows the Code of Ethical Principles of Banking in its professional activities. In accordance with the requirements of supervisory authorities and corporate governance standards, the Bank fully discloses information on the structure of ownership of the Bank on its website. The bank does not stop there, increasing the level of service and increasing the scope of its tasks.