Russian Capital is an official bank. Russian capital (House of the Russian Federation) personal account

The increase in the rating was due to the strengthening of the factor of support for the bank by the sole shareholder, including those associated with the implementation in 2018 of a number of measures to increase the bank's capitalization by total amount 19.8 billion rubles The 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 poor asset quality and a conservative assessment of corporate governance.

JSCB ROSSIYSKIY CAPITAL (JSC) is a large federal bank (34th in terms of assets in the Expert RA ranking as of 01.11.2018), the sole shareholder of which has been DOM.RF JSC since the end of 2017. Since 2008, the Bank has been undergoing a financial rehabilitation procedure, which was amended by the Bank of Russia. They take into account a gratuitous contribution to the bank's property in the amount of up to 19.8 billion rubles. It also provides for the reorganization of the bank in the form of joining its subsidiary bank - JSC "Sotsinvestbank", which is due to the extension of the completion date of the reorganization until 2025. The bank participated in the financial rehabilitation of certain problem assets and in the reorganization of credit institutions until 2018 (at the moment the bank is an investor in Sotsinvestbank JSC. The bank is currently integrating its business processes with the parent structure, and is also implementing an updated strategy, according to which In 2020, RUSSIAN CAPITAL should become a universal mortgage and construction bank.

Satisfactory assessment of market positions due to the process of transformation of the bank's business model: optimization of the office network, operating expenses, balance structure. Only mortgage credit lending, which allowed the portfolio of mortgage and housing loans to increase by 65% to 33.9 billion rubles. At the same time, the corporate loan portfolio for 10 months of 2018 decreased by 59% to RUB 55.7 billion. As a result, at the moment, the agency notes a low diversification of business (the Herfindahl-Hirschman index by areas of activity was 0.37 as of 01.10.18 in accordance with IFRS). V medium term The agency expects the bank to strengthen its competitive position as a result of its further development as part of a single development institution in the housing sector.

Weak current capital adequacy assessment. Due to the revaluation of the bank's credit risks the bank's capital adequacy ratios are below the regulatory minimums from 12.04.2018 to 01.11.2018. Additional capitalization of the bank, including through capital contributions from JSC "DOM.RF" in the IV quarter of 2018, will allow to comply with credit institution all prudential standards as of 01.01.2019, which was taken into account in the rating revision. Following the results of 9 months of 2018, the bank received a positive financial results RUB 8.4 billion, mainly due to the restoration of reserves. The agency notes that the bank maintains a low level of net interest margin (3.4% for the period from 01.10.2017 to 01.10.2018) with stable coverage of net interest and net commission income expenses related to the maintenance of activities during the 3rd quarters of 2018.

Poor asset quality. About 52% of the bank's gross assets form loan portfolio, which is characterized by low quality. As of 01.11.2018, the overdue debt on loans to legal entities is about 34%, and on the retail portfolio - 8.9%, which exceeds the market average. At the same time, it is noted that a significant part of the loan portfolio was formed on the bank's balance sheet before its reorganization by the DIA Group, and was also formed in connection with the merger of the rehabilitated banks within the framework of the financial recovery plan. The agency also points out the presence on the bank's balance sheet of assets that have certain signs of impairment (not included in the rehabilitation perimeter), in the absence of an adequate volume of formed reserves for them. A number of problem corporate loans on the bank's balance sheet have a deferral for the formation of reserves as part of the financial recovery procedure until 2025. A third of the assets is accounted for by a portfolio of high-quality securities and participation in the capital of structures completing the construction of facilities of the SU-155 Group of Companies.

Adequate liquidity position and funding structure. As of 01.11.2018, the coverage of the attracted funds with liquid assets is assessed as acceptable: the share of LAT is 34% of the attracted funds. The agency emphasizes the presence of a significant volume of unencumbered securities, which can potentially act as a source of additional liquidity for the bank (according to Expert RA, about 25% of the funds raised as of 01.11.2018). The diversification of the resource base by creditors and sources is assessed as high. At the same time, due to the optimization of the bank's regional office network, there is a significant decrease in attracted funds (over 10 months of 2018, the funds of legal entities and individuals decreased by 27% to 150.8 billion rubles), which, nevertheless, did not exert pressure on the bank's liquid position.

Conservative assessment of corporate governance dictated by short term work of the new top management team of the bank. Assessments of the quality of management can be revised with further operational efficiency, the formation of high-quality profitable 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 bank's target performance indicators. However, the agency positively assesses the gradual integration of the bank's business processes with the profile of the activities of JSC DOM.RF.

In order for the bank's clients to quickly and efficiently find out all the necessary information and products of the organization, an official website has been created, available at https://domrfbank.ru/. On the site different categories clients, individuals, legal entities and corporations can find all the services they need. A convenient sitemap allows you to access any category of the bank's offers in a few clicks using the main menu located at the top of the page: various mortgage products, loans, plastic cards and deposits, as well as the unique offer of DOM.RF Bank - TeleMed, “My lawyer " other. Also here you will find a link to the online bank of the Bank DOM.RF.

The main page of the credit institution's website contains quick links to the main services - repayment of loans and transfers between cards, deposits, etc. The bank's news presented on the website will allow you to get to know the organization better and learn about the latest news. Also, using the site, you can find the addresses of branches and ATMs in your city.

Internet bank

The Internet bank of DOM.RF Bank is available at https://my.domrfbank.ru. This is an online service that allows you to access the bank's services at any time of the day, with only a computer or telephone and an Internet connection. Current clients with a plastic card or an open account can register in this online banking of DOM.RF Bank. To register, you will need to enter your last name, phone number, as well as the full card or account number. After that, an SMS message will be sent to your account with a login and password for entering, which you can change after the first login to the online bank.

Banking options include most of the services available at bank branches. Here you can view the history of transactions, monitor the status of your accounts, make transfers between cards, pay utility bills, communications, fines and taxes, manage deposits. The site provides a service for creating templates for the most used translations. In addition, the site allows you to buy and sell non-cash currency, including cryptocurrencies.

Hot lines

Single hotline

The single telephone hotline of the Bank DOM.RF is an opportunity to receive answers to your questions and highly qualified assistance remotely. By calling this phone, you will contact the support service, which will help you in opening an account or obtaining a loan, mortgage, ways to pay off debts and the amount of commission in different banks... You can also get information about plastic cards and block their work in case of loss, ask questions regarding the operation of the Internet bank and report problems with the Internet service, find out the addresses of the nearest branches and their phone numbers. The hotline accepts feedback on the work of the organization's branches. Calls to hotline Bank DOM.RF is free for residents of Russia and is accepted around the clock, you can also use an online consultant on the website 24/7.

Mobile applications

For Android

All Internet banking services of DOM.RF Bank are also available for smartphones on operating system Android. Official mobile app Bank DOM.RF can be downloaded from Google Play for free. Allows clients to access control of their finances from the screen mobile phone... All that is required for this is to be a user registered in the remote service system. This can be done by going to the Internet Banking website in the "Registration" section or from the screen of a mobile phone.

The application, which is identical to the personal account of the Internet bank, allows you to view the history of the last transactions on the account, find the nearest ATMs and bank branches using the built-in card, as well as make payments and transfers. The notification system will allow you to always be aware of the actions carried out with your cards and deposits.

For iPhone / iPad

Mobile bank Bank DOM.RF is available for download on iPhone and iPad in the AppStore for free. The application is logged in with the same username and password that you use to log into the Internet bank. You can register on the website of your personal account in the "Registration" section.

The DOM.RF Bank application has all the conditions for managing your finances from the smartphone screen. Using your device, you can monitor the balance of your cards and accounts and check the payment history, make transfers between accounts, pay utilities and communication. The built-in card will allow you to quickly find the nearest bank branch, wherever you are.

The bank was established in 1993 under the name Rokabank.

In March 1995 it was renamed into "Russian Capital", subsequently changed several organizational and legal forms, as well as the name - since December 13, 2018 it functions as JSC "Bank DOM.RF".

By 1999, Russian Capital Bank entered the top 30 largest banks in Russia and acquired the status of a market maker in the interbank lending market. The credit institution was one of the first to receive a license and began to carry out operations with precious metals.

In 2008, Russian Capital was heavily influenced by the crisis in the economy and banking sector, as a result of which it became necessary to carry out the rehabilitation procedure. As part of it, the National Reserve Corporation (NRC; see) became the owner of 87.89% of the bank's voting shares, which agreed to act as its main sanator at the expense of the Central Bank of the Russian Federation (8 billion rubles). Later, as a result of the conflict between the NRB and the DIA, the bank was reorganized as a subsidiary bank of the Deposit Insurance Agency.

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

In 2014, the bank, together with the DIA, carried out a reorganization, following which the latter was merged into Russian Capital.

In September 2015, the bank was hired as a sanatorium to prevent bankruptcy. According to the Volga Federal District, the bank took measures to recapitalize the bank. As a result of an additional issue of shares in the amount of 10 million rubles, JSCB Russian Capital became the main shareholder of Sotsinvestbank, having merged the latter in April 2019.

In September 2015, by the decision of the Government, the Russian Capital Bank was obliged to organize and finance the completion of housing facilities of the SU-155 group of companies in order to fulfill the obligations of the SU-155 Civil Code on the transfer of housing to individuals - contract holders equity participation in construction. Since the beginning of 2016, GK SU-155 has been included in the list of related parties of the bank.

In April 2015, information appeared on the market and in the media that a “megasanator” could be created on the basis of Russian Capital, and Mikhail Kuzovlev, the head of the Bank of Moscow, could become the new chairman of the organization's board. In May, the information on Mr. Kuzovlev's transfer to the post of head of Russian Capital was confirmed by the general director of the DIA, Yuri Isaev, and Mikhail Kuzovlev himself said that he had accepted the DIA's offer to head the bank. However, at the beginning of June, Mr. Isaev clarified that the DIA had never intended to give Rossiyskiy Kapital the functions of a “megasanator”, but was only going to transfer the assets of the banks under liquidation to it. It is also worth adding that the head of the Central Bank Elvira Nabiullina spoke out against the idea of creating a single state sanator.

In December 2015, Russian Capital became the winner of the competition held by the DIA Group for the acquisition of a part of the property and obligations of the revoked license. Obligations of Nota-Bank to individuals under contracts bank deposit and bank accounts were transferred to the bank, and depositors of Nota-Bank became depositors of Rossiyskiy Kapital. Obligations to creditors were also transferred to the bank for servicing, the claims of which, in accordance with bankruptcy legislation, are subject to satisfaction as part of the first stage, for a total amount of 5.3 billion rubles. At the same time, Russian Capital also accepted part of Nota-Bank's property book value in the form of rights of claim on credit agreements, fixed assets and cash (real estate - 0.4 billion rubles, loan portfolio - 4 billion rubles, cash- 0.9 billion rubles).

On January 24, 2020, the NKR assigned Bank DOM.RF JSC credit rating AA-.ru with a stable outlook.

As of November 1, 2019, the lending institution's net assets amounted to RUB 296.40 billion, the volume own funds- 68.21 billion rubles, the bank's profit amounted to 124.32 million rubles (according to the results of three quarters of 2019, the bank showed a loss of 207.16 million rubles).

Subdivision network:
head office (Moscow);
6 branches;
15 operational offices;
14 additional offices.

A significant part of the branches and staff of "Russian Capital" was reduced in 2017-2018 during the reorganization into JSC "Bank DOM.RF". The bank plans to compensate for the reduction by developing remote channels.

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

The state owns the bank through DOM.RF JSC (until March 2018 - Mortgage Agency home lending"(AHML)). From 2009 to 2017, 100% of the bank's shares were controlled by the DIA.

Board of Directors: Alexey Moiseev (chairman), Alexander Plutnik, Artem Fedorko, Alexander Tarabrin, Victor Shlepov.

Governing body: Artem Fedorko (chairman), Mikhail Gromov, Maxim Gritskevich, Kirill Grishanov, Igor Demin, Kirill Zakharin, Danila Litvinov, David Hovsepyan, Alexander Garifulin.

Bank Russian Capital- a large Moscow bank, founded in 1993, is a member of the deposit insurance system. The main activities of the organization are: service legal entities, lending to individuals and organizations, accepting deposits from the population, transactions with securities... Bank owner Russian Capital is JSC "". Financial institution ranks 23rd in the rating of the reliability of Russian banks. Bank "Russian Capital" from December 13, 2018 renamed into "Bank DOM.RF"

To complete all the necessary banking operations clients of Russian Capital Bank, in addition to a visit to the office, can use the remote banking service, within which the client is provided with access to personal cabinet client. To enter Personal Area, you need to go to the official website of the bank at https://www.roscap.ru/ and in the upper right corner, click the "Internet Bank" button. Next, you will be redirected to the authorization page, where the system will prompt you to enter your username and password for your account.

Upon completion of entering the details, click the "Enter the bank" button. If the data is entered correctly, a personal account will open, in which the following functions are available:

Information about all current accounts, cards and loans opened in the bank
Transferring funds between your accounts and cards, as well as to other banks using free details (a "smart transfer" by phone number is also available)
Payment for services ( mobile connection, Internet, TV, housing and communal services, taxes and fines of the traffic police and others)
Opening a bank account
Opening and replenishment of the deposit
Credit card order
Blocking the card in case of theft / loss
Buying and selling currency
Create payment templates
Ordering certificates from the bank
Find the nearest ATMs and offices
Customer Service Feedback
Personal offers and promotions from the bank

To use online banking, you must be an active client of Russian Capital Bank and have debit card or deposit / account. You can register your personal account through the official website of the bank: go to the address https://www.roscap.ru/, then select "Internet Bank" - "Register". The registration button is located under the account login form. Next, you must specify the control information about yourself:

Name and surname (required field)
Full number bank card(in 16 digits format). If there is no card, then we indicate only the account / deposit number.

On this registration in the system is successfully completed. Now you can enter the personal account of the bank using your username and password.

Registration of a personal account at a bank branch is also available - just come to the nearest branch with a passport and sign the documents for connecting to the Internet bank.

Password recovery of the personal account of the bank Rossiyskiy Kapital

The bank was established in 1993 under the name Rokabank.

In March 1995 it was renamed into "Russian Capital", subsequently changed several organizational and legal forms, as well as the name - since December 13, 2018 it functions as JSC "Bank DOM.RF".

In 2008, Russian Capital was heavily influenced by the crisis in the economy and the banking sector, as a result of which it became necessary to carry out a reorganization procedure. As part of it, the National Reserve Corporation (NRC; see) became the owner of 87.89% of the bank's voting shares, which agreed to act as its main sanator at the expense of the Central Bank of the Russian Federation (8 billion rubles). Later, as a result of the conflict between the NRB and the DIA, the bank was reorganized as a subsidiary bank of the Deposit Insurance Agency.

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

In 2014, the bank, together with the DIA, carried out a reorganization, following which the latter was merged into Russian Capital.

In September 2015, by the decision of the Government, the Russian Capital Bank was obliged to organize and finance the completion of the housing facilities of the SU-155 group of companies in order to fulfill the obligations of the SU-155 Civil Code on the transfer of housing to individuals - holders of equity participation agreements in construction. Since the beginning of 2016, GK SU-155 has been included in the list of related parties of the bank.

In December 2015, Russian Capital became the winner of the competition held by the DIA Group for the acquisition of a part of the property and obligations of the revoked license. The obligations of Nota-Bank to individuals under the bank deposit and bank account agreements were transferred to the bank, and Nota-Bank's depositors became depositors of Rossiyskiy Kapital. Obligations to creditors were also transferred to the bank for servicing, the claims of which, in accordance with bankruptcy legislation, are subject to satisfaction as part of the first stage, for a total amount of 5.3 billion rubles. At the same time, Russian Capital also accepted part of Nota-Bank's property at book value in the form of claims under credit agreements, fixed assets and cash (real estate - 0.4 billion rubles, loan portfolio - 4 billion rubles, cash - 0.9 billion rubles).

On January 24, 2020, the NKR assigned the AA-.ru credit rating to Bank DOM.RF JSC with a stable outlook.

As of November 1, 2019, the volume of net assets of the credit institution amounted to 296.40 billion rubles, the volume of its own funds - 68.21 billion rubles, the bank's profit amounted to 124.32 million rubles (following the results of three quarters of 2019, the bank showed a loss of 207, 16 million rubles).

Subdivision network:
head office (Moscow);
6 branches;
15 operational offices;
14 additional offices.

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

The state owns the bank through DOM.RF JSC (until March 2018 - Agency for Housing Mortgage Lending (AHML)). From 2009 to 2017, 100% of the bank's shares were controlled by the DIA.

Board of Directors: Alexey Moiseev (chairman), Alexander Plutnik, Artem Fedorko, Alexander Tarabrin, Victor Shlepov.

Governing body: Artem Fedorko (chairman), Mikhail Gromov, Maxim Gritskevich, Kirill Grishanov, Igor Demin, Kirill Zakharin, Danila Litvinov, David Hovsepyan, Alexander Garifulin.