Rusfinance bank details on August 14. The main details of the Rusfinance bank for the loan payment. Bank details and bank details

The net profit of the Societe Generale banking group in Russia (Rosbank, Deltacredit Bank, Rusfinance Bank) amounted to 1.3 billion rubles. in the 1st quarter of 2017 according to IFRS

“In the 1st quarter of 2017, the Societe Generale banking group in Russia continued to increase its market positions in both the retail and corporate segments. We follow our strategic goal of becoming a transaction bank for our clients and are ready to offer new products and services. The volume of demand deposits of individuals has more than doubled over the past 12 months. New and existing customers can now apply for a debit card of the Russian payment system MIR and an international corporate card with overdraft. In corporate lending, we are growing faster than the market, increasing our loan portfolio by 3% per quarter. ACRA Rating Agency has assigned our banking group the highest credit rating at the AAA (RU) level with a stable outlook, confirming the high level of our reliability and stable position in the banking sector, "concluded Dmitry Olyunin, Chairman of the Board of Rosbank.

Key Retail Achievements

The volume of retail loans issued by the Group in the 1st quarter of 2017 remained at the level of the 4th quarter of 2016 and significantly increased compared to the 1st quarter of 2016 (the growth in the volume of consumer loans was almost 100%). The Group continues to maintain its leading position in the retail lending market, increasing its market share in lending from 3.3% to 3.7% over the past 12 months. This became possible largely due to improved performance in the consumer lending segment (market share growth from 2.2% to 2.7% over the same period).

The specialized subsidiary banks of the Group - DeltaCredit and Rusfinance Bank - show confident results in mortgage and car loans, respectively.

Thus, the volume of issued mortgage loans in the 1st quarter of 2017 is 18% higher than the same indicator in 2016, while the market share in loans increased from 2.3% to 2.5%, respectively. In Q1 2017, DeltaCredit is one of the six banks in terms of mortgage loans (according to the Rusipoteka analytical center).

Rusfinance Bank is consistently among the TOP-3 banks in the car lending market with a market share in terms of loan volumes exceeding 15% in 1Q 2017. The total volume of car loans issued in Q1 2017 is 68% higher than in 2016. The bank continues to participate in the state program of preferential car loans, within which it takes the 2nd place (according to the Ministry of Industry and Trade).

At the same time, the Group continues to build up its portfolio of liabilities, focusing on current accounts of individuals. In Q1 2017, our share in this market segment increased from 1.4% to 1.5%.

Major achievements in corporate business

In Q1 2017, Rosbank, together with Societe Generale, continued to expand their business in the banking services market for the largest Russian and international companies.

The largest syndicated lending deal was a USD 2 billion loan agreement with one of the leaders in the telecommunications sector, with Rosbank and Societe Generale acting as authorized lead arrangers.

In the Eurobond market, Rosbank, together with Societe Generale, acted as the leading arrangers of the placement of Credit Bank of Moscow, Severstal companies and United Company RUSAL.

RB Leasing provided financing to Freight One in the amount of RUB 3 billion through a leaseback instrument, the subject of which was about 1.5 thousand units of new rolling stock. The lease agreement was concluded for a period of 10 years, financing was provided by Rosbank.

In March, the bank entered into a derivative deal with PJSC Russian Railways to raise 157 million Swiss francs and place 150 million US dollars.

Loan portfolio

The recovery of lending activity in the retail business since the second half of 2016, which continued in 2017, allowed the Group's retail loan portfolio to stabilize in the first quarter of 2017.

At the same time, the corporate loan portfolio continued to grow, having increased by 3% since the beginning of 2017 (excluding currency revaluation) against the background of negative market dynamics during the first quarter of 2017 (-1%).

The banks of the Group are aimed at cooperation with the most reliable borrowers, carefully assess the solvency of clients in the new economic environment and give priority to the quality of the loan portfolio.

Deposits and current accounts

During the 1st quarter of 2017, the Group's client liabilities portfolio increased by 4% (excluding currency revaluation). This dynamics is mainly due to the growth of funds on the current accounts of clients. At the same time, the volume of deposits of individuals on demand (excluding currency revaluation) has more than doubled over the past 12 months, which is fully consistent with the Group's goal of developing the transaction business.

Financial results

The Group's net interest income in Q1 2017 amounted to RUB 9.2 billion, down 8% compared to Q1 2016. The negative dynamics is mainly attributable to a decrease in interest rates on mortgage loans, as well as a revision of rates on loans to corporate clients.

Net fee and commission income in Q1 2017 amounted to RUB 1.9 billion, an increase of 5% year-on-year. On the one hand, the dynamics of commissions is due to the intensification of retail lending and, as a result, an increase in commissions from insurance companies (commission income of the retail business increased by 10%). On the other hand, fee and commission income from corporate business shows a stable positive trend (+ 2%).

The Group's operating expenses in Q1 2017 amounted to RUB 8.6 billion, an increase of 4% compared to Q1 2016, mainly due to personnel costs. At the same time, other operating expenses continued to decline (-1% YoY) due to cost optimization efforts.

Contributions to reserves in the 1st quarter of 2017 amounted to RUB 1.1 billion, having decreased by almost three times compared to the previous year. The effect of reducing reserves was achieved mainly due to the restoration of the quality of the retail portfolio, improvement of debt collection processes, as well as the effect of refinancing foreign currency mortgages in 2016. The quality of the corporate portfolio remains high.

Rosbank has a high level of assessment of its own creditworthiness due to a comfortable level of capital adequacy, an adequate risk portfolio and an adequate position in terms of liquidity and funding.

Rosbank and its subsidiary banks maintain a strong position in terms of liquidity and capital adequacy ratios, which significantly exceed the mandatory ratios established by the regulator. International rating agencies Fitch Ratings and Moody's Investors Service confirmed the ratings of Rosbank, Rusfinance Bank and DeltaCredit in Q1 2017 at the level of the country's sovereign rating.

Rusfinance Bank LLC is one of the fairly large retail banks in Samara. His key areas of business are consumer loans, credit cards and car loans. This financial institution is fully controlled by the Moscow-based Rosbank, which is part of a large global banking group Societe Generale.

Sole owner“RusfinanceBank” - “Rosbank”, the controlling stake of which (over 82% of shares) belongs to “Societe Generale”.

Chairman of the Board: Arnaud Leclair.

The history of the creation and development of the bank

In 1992, a financial institution was created in Samara, which was originally named "Promek-Bank". Until 2005, it was the settlement center of the largest supplier of spare parts for AvtoVAZ - the automobile building group SOK (Samara), after which it was bought from the former shareholders by the structures of the French financial group Societe Generale. The bank received its modern name "Rusfinance" in February 2006.

The activities of "Rusfinance Bank" today

Rusfinance is represented in 73 regions of Russia. In addition to the head office in Samara, there are 136 additional offices. The number of employees is over 6.3 thousand people. The bank serves over 2 million clients.

The bank works closely with many car manufacturers interested in increasing their own sales. One of the forms of cooperation is Rusfinance's participation in sales financing programs available to most car manufacturers (for example, Hyundai has a Hyundai Finance program). Thanks to such programs, banks are able to offer their customers such exclusive products as loans without a down payment or at an ultra-low rate. The partner network has 2 thousand car dealerships and 8 thousand stores, and there are about 70 points for the convenience of loan repayment.

According to the Internet portal Banki.ru, Rusfinance Bank became the third in the Russian Federation among auto loan banks in 2013. Also, the bank is actively issuing loans and issuing credit cards, including Visa.

Assets / liabilities

Almost the entire volume of the bank's assets is represented by loans to individuals. 75% of the loan portfolio are car loans, 17% are consumer loans, 7% are cash loans. Almost all loans were issued for more than a year.

The bank's liabilities were distributed as follows:

• 39% - funds attracted from banks;
• 25% - own funds;
• 20% - bonds issued by the bank;
• 4% - account balances;
• 5% - deposits of corporate clients.

The bank has a fairly long history in the credit market. But since Rusfinance Bank does not have a large number of clients not related to lending, the turnover on client accounts is insignificant.

In the market of interbank loans, Rusfinance is not very active. It is more likely to place small amounts of excess liquidity. Funds from the Bank of Russia are occasionally attracted.

When drawing up a loan agreement, the client needs to clarify the most important information from the employee - repayment terms, interest rates, details for making a refund. This is a guarantee of the safe execution of the loan repayment procedure, without risks and possible penalties. In order not to delay the payment of debts, it is important to know the details of Rusfinance Bank to pay the loan.

Another option to be sure to find out the correct data is to call the main office. The manager will clarify and answer all questions. If you doubt the accuracy of the information, you can contact the operator by mail, which is indicated on the website of the financial institution. The operator will provide all the necessary information about the details for repaying the loan at Rusfinance Bank.

Payment must be made once a month, within the agreed time frame. Otherwise, there will be penalties for delays.

And so, for your attention a list of the main details of this institution.

• INN - 5012003647
• Check point - 631501001
• BIK - 0436011975.

Loan payment methods

Rusfinance makes it very convenient and simple to use the services of a banking institution. This implies the implementation of payments according to convenient schemes. There are such payment options:

• online payment on the bank's website;
• visiting a branch in any city of the Russian Federation;
• through the Eleksnet terminal, but this can be done in Moscow and the surrounding area;
• through other banks, while it is necessary to indicate an individual credit account number.

If you pay through an ATM or other banks, then a certain commission is provided, which is charged from each client.

Maxim Demchenko

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Paying a loan on time is not only a guarantee of peace of mind and a good credit history, but also an opportunity to avoid penalties for late payment. There are several ways to pay for a loan from Rusfinance Bank using the details. There are repayment options at offices and terminals, as well as by transfer via Internet services.

A loan from Rusfinance Bank can be repaid according to the details specified in the loan agreement. The actual data for payment can be found on the official website of the lender, or by calling the hotline. In addition to the details, when paying for the loan, you must specify in the payment order:

• individual account number, consisting of 20 characters;
• full surname, name, patronymic.

These data are necessary so that upon receipt of payment, the bank correctly credited the money to repay the loan.

Via internet bank

The most convenient way to repay a loan is the ability to transfer payment from a MIR card, Visa or MasterCard. You can send a transfer on the Rusfinance Bank website, choosing among the repayment methods - payment by card.

For a correct payment, you must specify:

• loan agreement number;
• recipient's individual account;
• the amount required to repay the loan.

The funds will be credited within 2 days, the transfer commission is from 0.8 to 2%.

How to pay off a loan at Rusfinance Bank

It is easy to make a payment in the terminals installed in Rusfinance branches. This repayment method does not require payment of a commission. The term of enrollment is 1-2 days. You can find convenient terminals on the official website by selecting the "Terminals" tab.

You can also top up your account at the cash desk of Rusfinance Bank. To find the nearest office, you need to go to the official website and select the "Branches" section.

How to pay with a third party bank

The credit institution accepts payment of the loan by bank transfer. Such a payment can be made at the office of a third-party credit institution or in the Internet banking system. In the payment order, you must indicate the current details for repaying the loan, the number of the loan agreement and the name of the borrower. If you have access to the Sberbank Online service, then you can find Rusfinance Bank by TIN or name in it.

Requisites required for repayment

The current details of Rusfinance Bank for payment of the loan are indicated in the table:

Required documents

When paying a debt to Rusfinance, you must have the following documents with you:

• passport of a citizen of the Russian Federation;
• loan agreement with a repayment schedule;
• if you pay through the Federal State Unitary Enterprise "Russian Post" - a completed postal form.

If the payment is made by the authorized person of the borrower, then you will need to indicate his passport details.

When deciding where to pay a loan, you need to take into account the speed of money transfer and the possible commission. You can repay a loan free of charge by details only at the cash desk or terminal of Rusfinance Bank. Choosing a different method, you will have to pay a commission in the amount of 1%, and the payment can take up to 3 days.