OJSC "Joint-Stock Commercial Bank" Probusinessbank. Where to pay loans from Probusinessbank: new details

The bank was established in 1993 as a CJSC, then transformed into LLC. By the beginning of 1998, the bank occupied a leading position in the car loan market, at the same time it was corporatized. Since 1999, the bank has begun intensive development of factoring and leasing divisions. In 2001, the bank attracted a $5 million subordinated loan from the International Finance Corporation. In January 2003, the foundation was laid for the formation of a holding structure with the participation of regional banks (later transformed into the Life financial group * ) - acquired a controlling stake in Ekaterinburg VUZ-Bank (94.5%). In August 2003, the European Bank for Reconstruction and Development provided the bank with a $10 million credit line to finance export-import operations. In 2004, Express-Volga and the National Savings Bank were acquired.

In 2006, FG Life was formed on the basis of Probusinessbank, and the bank placed an ever stronger emphasis on servicing small and medium-sized businesses. In December 2006, the bank acquired Ivanovo Regional Bank (100%). In March 2007, the bank issued notes on the London Stock Exchange, thus attracting more than $750 million. In 2008, another 375 million rubles were raised from East Capital Financial Institutions Fund AB using the method of issuing ordinary shares. At the same time, East Capital provided the bank with a subordinated loan in the amount of 625 million rubles for five years. In January 2009, the bank acquired Gazenergobank (99.99%), at the same time the share in Bank24.ru was increased to 99.5%. In May 2009, the bank carried out an additional issue of shares with placement by closed subscription in favor of the East Capital fund. During the additional issue, the fund's share in the authorized capital of the bank increased from 12.52% to 19.93%. In December 2009, the bank acquired the Investment City Bank, which was later renamed into Let's Go! Bank.

Since 2010, the bank has been actively expanding its area of presence. In September 2011, the Central Bank of the Russian Federation registered the issue of the bank's bonds for 3 billion rubles. In December 2013, the bank became a sanatorium for the Samara bank Solidarity, which joined the group by February 2014. In January 2015, the shareholders of the financial group "Life" made a strategic decision to merge the business of the Samara bank "Solidarity" and the Ivanovo National Savings Bank on the basis of "Solidarity".

As of March 2015, the Life group is represented in 75 regions of the Russian Federation, in addition to the parent Probusinessbank, it includes VUZ-Bank (Probusinessbank owns 100% of its shares), Express-Volga Bank (Probusinessbank has 98.8%), Ivanovo National Savings Bank (100%), Gazenergobank (99.9%), Let's Go! (100%), CB "Solidarity" (100%). It is worth noting that until recently, the Life group also included Ekaterinburg Bank24.ru, whose license was revoked on September 16, 2014. Probusinessbank also owns: Factoring company Life (100%), development company Probusiness Development (100%), collection agency Life, Cypriot Podem Holdings Limited (100%).

As of March 2015, the main beneficiaries of the bank are Sergei Leontiev (41.50%), who controls the bank through the Cypriot Alivikt Holdings, who is the president and chairman of the board of directors of Probusinessbank, and Alexander Zheleznyak (11.44%), chairman of the board of the bank. Eduard Panteleev, Senior Vice President of Probusinessbank, owns a 5.43% stake through Rodina LLC. British citizen Blake Klein owns 7.22%. Through the East Capital fund, Swedish citizen Peter Elam Hakasson owns 7.17%, while Lithuanian citizen Kestutis Sasnauskas owns 3.14%. Minority shareholders, who own the bank through the Cayman Islands-registered investment funds Blue Crest Emerging Markets Master Fund and Argo Special Situations Fund, account for 14.44% of the bank's shares.

The network of Probusinessbank is represented by the head office in Moscow, 230 additional offices and one operating cash desk outside the cash center. The number of employees of the organization as of January 1, 2015 was 5,057 people.

Legal entities are offered cash settlement services, deposits, lending (including tender and project lending), overdrafts, leasing and factoring, currency control, cash collection, acquiring, tokens, seizing, letters of credit and guarantees, REPO operations. For small and medium-sized businesses, in addition to standard services, the Money Back option is available, which is a financial guarantee of the quality of service (in case of incompetent service and specific shortcomings indicated by the client, the bank offers compensation in the amount of the cost of the tariff plan).

Among the clients of Probusinessbank at different times were noticed such organizations as CJSC Moscow Coffee House on Shares, OJSC Izhora Plants, PJSC Bogorodsk Delicacies, OJSC United Aircraft Building Company, OJSC Shipbuilding Plant Volga, OJSC Metallservice " and etc.

For individuals, the bank offers consumer loans, a deposit line, remote services, credit and debit bank cards (Visa and MasterCard), etc.

Since the beginning of 2014, the currency of the bank's balance sheet has increased by 39.3%, reaching RUB 146.3 billion as of March 2015. The main point of growth in liabilities was interbank borrowing, which increased over the period by 2.6 times, or by 21 billion rubles. Due to the active involvement of medium-term and long-term funds in deposits and deposits, household deposits also grew: +29%, or +6.5 billion rubles, and corporate funds: +10.7%, or +2.7 billion rubles.

The newly attracted funds were mostly directed to settlements on securities, settlements on conversion operations, as well as settlements on letters of credit, due to which the item of the bank's other assets increased by almost five times, or by 37.9 billion rubles. There was also an increase in the securities portfolio (+10.9%, or +4.6 billion rubles) due to investments in bonds. Fixed assets and intangible assets of the bank increased by 1 billion rubles, or one and a half times. By 1.1 billion rubles, or by 41.5%, investments in the capital of other organizations increased. The bank's activity in the interbank loan market as a net creditor also increased by 11.2%, or by 874.3 million rubles.

The bank's liabilities are highly diversified. LORO accounts - 27.6% of net liabilities, the share of interbank attraction - 23.2%, in household deposits - 19.7%, corporate funds - 18.8%, equity - 8.7%. The dynamics of turnover on the bank's current assets is at an extremely high level: from 132.4 to 207.9 billion rubles per month, which indicates the high quality of the client base.

In the asset structure, 32.2% falls on the securities portfolio, which is represented almost entirely by bonds. 32.6% of net assets are other assets (mainly settlements on securities, as well as derivative instruments-claims; a large share of settlements on conversion operations, as well as settlements on letters of credit). The bank's loan portfolio is 17.8% of net assets. Highly liquid assets - 6.7%. Issued interbank loans - 5.9%.

The Bank is highly active in the securities market. It has a significant portfolio of securities (47.1 billion rubles as of March 2015), consisting almost entirely of bonds. 54.4% are federal loan bonds, 19.9% - corporate bonds of non-residents, 16.9% - bonds of foreign states. Portfolio turnover dynamics in the range from 35 to 165 billion rubles per month. The bank is also actively issuing its own securities, in particular bills of exchange - in the amount of 1.7 billion rubles as of March 2015. Promissory notes are mainly issued for a period of up to six months. As of March 2015, the bonds previously issued by the bank were almost completely redeemed (on the balance sheet - 28.6 million rubles).

The bank's lending policy is aimed at lending to individuals, as well as small and medium-sized businesses. As of March 2015, the share of retail loans in the portfolio is at the level of 58.8%. The loan portfolio is diversified by terms. According to the bank's reporting (RAS), the level of delinquency on loans is high (19% as of March 2015), growing in dynamics (10.5% - at the beginning of 2014). The level of delinquency on loans to corporate persons is especially high: as of March 2015, it reaches 21.5%. The provisioning rate for loans issued is also growing and as of March 1, 2015 is 22.3%. Loans are secured by collateral in the amount of 23.7 billion rubles (90.7% of the loan portfolio), which is slightly below the sufficient level. The bank's loan portfolio tends to decrease due to the tightening of the bank's policy on issuing loans to new customers.

During the analyzed period, the Bank was highly active in the interbank market, acting mainly as a net borrower and attracting liquidity mainly from residents, presumably controlled banks. The amount raised as of March 2015 is RUB 33.9 billion. The bank delivers liquidity in strikingly smaller volumes approximately equally to the Bank of Russia, controlled banks and non-residents. In the Forex market, the bank is one of the market makers, showing ultra-high turnover from 460 billion to 1 trillion rubles per month.

At the end of 2014, the bank received a net profit of 1.8 billion rubles (mainly due to operations with foreign currency). In 2013, the bank's net profit amounted to 826.7 million rubles. In 2012, the bank received a net profit of 1 billion rubles (due to core activities).

Board of Directors: Sergey Leontiev (president), Alexander Zheleznyak, Eldar Bikmaev, Eduard Panteleev, Alexander Turbanov, Sergey Zozul, Sofia Bianchi, Hanna-Leena Loikkanen, Mogens Schmidt.

Governing body: Dmitry Dylnov (chairman), Andrey Litvinov, Alexander Lomov, Sergey Letunov, Sergey Shilov, Alexey Pirogov, Elena Tsybina, Vladislav Solodkiy.

* The financial group "Life" is a banking holding created on the basis of the Moscow "Probiznebank". Now unites 7 banks: Probusinessbank (Moscow), Let's Go! (Moscow), VUZ-Bank (Yekaterinburg), Express-Volga (Saratov), National Savings Bank (Ivanovo), Gazenergobank (Kaluga), Solidarity (Samara), as well as the factoring company Life, and Probusiness Development ”, as well as a number of related business structures. The Group has over 800 branches in more than 75 regions, 4 million individual clients and 200 thousand legal entities, 17 thousand employees.

Consolidated assets of the group, according to the interim financial statements under IFRS, for the first half of 2014 amounted to 177.9 billion rubles, capital - 21.4 billion, profit for six months - 952.6 million rubles.

is a commercial credit organization, the largest link in the Life financial group. Provides comprehensive services to private clients and corporations. The main office is located in the capital, and on the territory of Russia there are more than 200 offices servicing various categories of citizens and 1 operating cash desk outside the cash desk.

An integral part of servicing individuals and legal entities in Probusinessbank is the online banking of the same name "Probusinessbank Online". Remote banking service is designed to provide control over the client's funds through a computer or other smartphone with Android and iOS operating systems.

Probusinessbank Online is a reliable financial assistant due to its functionality and intuitive interface. Not only Probusinessbank clients, but also individuals from other financial institutions that are members of the Life group can register in online banking and log into the system.

Online banking features:

Geolocation of Probusinessbank branches in the selected region;
Currency exchange;
Payment for utilities and maintenance services;
Payment of mandatory state contributions and accrued fines with personal discounts;
Transfer of funds in Russian and foreign currencies;
Obtaining information about a bank card with VISA International and MasterCard systems and managing its security;
Replenishment of mobile phone balance;
Replenishment of electronic wallets;
Obtaining information about open banking products.

Open the electronic resource of Probusinessbank http://prbb.ru/, then go to the section "For private clients";
Hover over the banner "Internet Bank" and enter your account in the appropriate fields. Click "Login to Internet Banking". Employees of the credit institution strongly recommend using the virtual keyboard when filling in the client's name and secret code.

Online banking for corporate clients (individuals and legal entities) can equally use remote banking services, but to enter your personal account you will need special software received from Probusinessbank during registration.

Install the software and open the portal https://ibank.prbb.ru/ibrs_demo/iclient/index.html;
Click on the active line "Login to the Internet Client" or "Login for Probusinessbank clients" and log in to the user account using the account.

To get acquainted with the possibilities of a personal account for individual entrepreneurs and legal entities, customers can use the demo version of the system at https://ibank.prbb.ru/ibrs_demo/iclient/index.html. The demo version is automatically logged in and does not require pre-registration.

Registration of a personal account of Probusinessbank

On the official portal of Probusinessbank, customers can perform self-registration and create an account for subsequent login.

Open the official portal and click on the banner "Internet bank" in the section for private clients;
Click "Register a new user" and proceed to filling out an electronic form, namely: the client's full name, contact details, banking product number. Click on the "Next" banner
Print the verification code received in the SMS message and create a secret code.

Registration of a corporate client takes place at the office of Probusinessbank. To do this, you will need to fill out the relevant documents for joining the RBS and give it to an employee of Probusinessbank with a passport of the company being registered.

Recovering the password of the personal account of Probusinessbank

Individuals can independently recover their password on the Probusinessbank personal account login page. The process itself takes no more than 5 minutes and completely repeats the steps of self-registration. And legal entities will need to contact the office of a credit institution and fill out an official application to obtain a new account.

Download Probusinessbank mobile application

To access the user account of Probusinessbank, individuals can use the special application "Faktura.ru", and corporate clients - "iBank2". The Faktura.ru application provides users with the functionality of the main personal account, while iBank2, on the contrary, does not provide for the performance of financial actions and is used as a demonstration view of information on open financial products of an individual entrepreneur or legal entity.

To install the Probusinessbank application on devices with the Android or iOS operating system, it is recommended to click on the appropriate banner, go to the electronic store and click on the "Download" banner. Users of devices with a different operating system can work in their personal account from a browser, in the mobile version of the official portal of Probusinessbank.

Application for individuals:

Date of registration of the operator in the register: 10.11.2010

Grounds for entering the operator in the register (order number): 780

Operator location address: 125195, Moscow, st. Belomorskaya, d. 6A

Start date of personal data processing: 07.07.1993

Subjects of the Russian Federation on the territory of which the processing of personal data takes place:

Purpose of personal data processing: carrying out banking activities, maintaining a register of clients, maintaining personal files of employees, processing, storing and disclosing information to credit bureaus that characterizes the timeliness of fulfillment by borrowers of their obligations under loan (credit) agreements, as well as in order to support the corporate activities of the Bank: maintaining a register of shareholders, holding General Meetings of Participants, meetings of the Board of Directors, etc.

Description of the measures provided for by Art. 18.1 and 19 of the Law: Local acts on the processing of personal data have been developed: a personal data processing policy in JOINT STOCK COMMERCIAL BANK PROBUSINESSBANK (OPEN JOINT STOCK COMPANY), a regulation on the processing and security of personal data in JOINT STOCK COMMERCIAL BANK PROBUSINESSBANK (OPEN JOINT STOCK COMPANY). Internal control over the compliance of personal data processing with the Federal Law No. 152-FZ “On Personal Data” and the regulatory legal acts adopted in accordance with it, the requirements for the protection of personal data is carried out. Employees directly involved in the processing of personal data are familiar with the provisions of the legislation of the Russian Federation on personal data, including the requirements for the protection of personal data, documents defining the organization's policy regarding the processing of personal data, local acts on the processing of personal data. Accounting for machine carriers of personal data is provided. Recovery of personal data modified or destroyed due to unauthorized access to them is provided. Rules for access to personal data processed in personal data information systems have been developed, as well as registration and accounting of all actions performed with personal data in personal data information systems. Personal data is available to a strictly defined circle of employees, security and fire alarms are installed in the building, information on paper is stored in safes or lockers, places for storing personal data are determined, physical protection of information systems (hardware and information media), which provides for access control in premises of information systems of unauthorized persons, the presence of reliable barriers to unauthorized entry into the premises of information systems and the storage of information carriers, accounting for all protected media by means of their marking and entering credentials in the register with a note on their issuance (reception).

Categories of personal data: surname, first name, patronymic, year of birth, month of birth, date of birth, place of birth, address, marital status, social status, property status, education, profession, income, information about military registration, telephone numbers, passport data, information about the number and series of insurance certificate of state pension insurance, information on the taxpayer identification number, personnel number of the Bank's employees

Categories of subjects whose personal data are processed: residents of the Russian Federation and non-residents of the Russian Federation, including employees who have labor relations with the Bank, individuals (depositors, borrowers, clients) who have civil relations with the Bank

List of actions with personal data: collection, systematization, accumulation, storage, clarification (updating, changing), use, transfer, depersonalization, blocking, destruction of personal data

Processing of personal data: mixed, with transmission over the internal network of a legal entity, with transmission over the Internet

Legal basis for the processing of personal data: Art. 85-90 of the Labor Code of the Russian Federation, Federal Law of December 30, 2004 N 218 - FZ "On Credit Histories", Federal Law of December 26, 1995 N 208-FZ "On Joint Stock Companies", Federal Law of July 27, 2006 N 152-FZ " On Personal Data", Federal Law of 02.12.1990 N 395-1 "On Banks and Banking Activities"

Availability of cross-border transmission: No

Database location details: Russia

For individuals, the bank offers consumer loans, a deposit line, remote services, credit and debit bank cards (Visa and MasterCard), etc.

Board of Directors: Sergey Leontiev (president), Alexander Zheleznyak, Eldar Bikmaev, Eduard Panteleev, Alexander Turbanov, Sergey Zozul, Sofia Bianchi, Hanna-Leena Loikkanen, Mogens Schmidt.

Governing body: Dmitry Dylnov (chairman), Andrey Litvinov, Alexander Lomov, Sergey Letunov, Sergey Shilov, Alexey Pirogov, Elena Tsybina, Vladislav Solodkiy.

JSCB "Probusinessbank" is a member of Life Financial Group. The bank was founded on July 7, 1993 to serve manufacturing companies (industrial enterprises in the chemical, food, processing industries, high technology, communications, housing construction, transport and wholesale trade) and stimulate the development of enterprises in the market sector of the economy.

The bank's management chose the direction of development as a traditional commercial bank - independent of political parties and movements, government and management structures. Thanks to stable and professional work, Probusinessbank is well known in the international financial community. Traditional for the bank are credit programs aimed at business development.

Probusinessbank is a reliable and long-term partner for our clients. In addition to the General License of the Bank of Russia for banking operations and a license for taking deposits and placing precious metals, Probusinessbank owns licenses for brokerage, dealer, depository and securities management activities. Probusinessbank also has the right to act as a guarantor before the customs authorities.