The bank is relatively young, registered by the Central Bank of the Russian Federation in mid-2001, in 2008 it significantly increased its authorized capital. Until April 2013, he worked under the name LLC " Commercial Bank"Prado-Bank".
According to the disclosed information, until recently, the main owner of Interactive Bank was Oleg Govorukhin (70.1% of the capital), an associate of the ex-co-owner of Russian Credit Bank and Impexbank Bidzina Ivanishvili (in 2012-2013 - Prime Minister of Georgia). Recall that in November 2007 Impexbank was merged with Raiffeisenbank. Govorukhin is also Deputy Chairman of the International Union of Lawyers (the legal successor of the Union of Lawyers of the USSR) and ex-Chairman of the Board of Directors of Interactive Bank (until August 2015, until the bank's shareholders are completely changed). The remaining shares in the bank's capital were distributed between Martun Sargsyan (19.9%) and Vadim Arkadyev (10%).
In August 2015, there was a complete change in the composition of shareholders credit institution, and with it - a change in the concept of the bank. The updated credit institution intends to actively use big data analytics and artificial intelligence in its work to improve the quality of customer service. At the moment, the beneficiaries of the bank are Martun Sargsyan (19.9%), Vadim Arkadiev (10%), Anzhelika Bulatchik, Dmitry Kaminsky, Dmitry Grinik, Maxim Shevchenko, Kirill Bondarenko (9.99% each), Mikhail Orlovsky (8.44 %), Anatoly Karlashov (7.28%), Yuri Ivanov (4.37%), Tatyana Radunskaya (0.01%).
Until recently, Interactive Bank was a single-office credit institution, however, as of January 22, 2016, the bank opened one additional office and 13 operating cash desks outside the cash center. The average headcount on October 1, 2015 was 155 people.
The bank is mainly focused on remote complex banking service both physical and legal entities. The financial institution has 10,000 active clients, who generate about six to eight calls to the bank's specialists: this is done inside a chat organized between the client and the bank operator. Client base It is represented mainly by trade and construction enterprises. Among the borrowers there are such organizations as CJSC Basis-Capital, CJSC Investment and Construction Company Zapad, LLC Admiral Beach Hotel, OJSC Kinelskoye Grain Receiving Enterprise and CJSC Russian Wine and Vodka Trust. Legal entities are offered a standard set banking products and services, including the "Bank - Client" system, overdraft lending, private banking, collection and more. Individuals are available customer credit, deposits, bank cards, Money transfers.
The net assets of the credit institution from January to December 2015 decreased slightly (-1.1%, or 32 million rubles) and as of December 1, 2015 amounted to 2.9 billion rubles, capital - 0.8 billion rubles. In the passive part of the balance, there was a complete reduction in the amount of funds raised on the interbank loan market, as well as a decrease in the amount of funds raised from legal entities (-26.1%). The outflow of the above funds was fully compensated by the bank's deposits of the population, the volume of which increased by 47.1%. In the active part of the balance sheet, there was a decrease in the volume of total loan portfolio(-23.2%) with the growth of the portfolio of securities and highly liquid assets.
The structure of liabilities is poorly diversified: liabilities are concentrated in household funds, which continue to grow. Deposits are the main source of funding for a credit institution. individuals, whose share as of December 1, 2015 amounted to 61.5% (at the beginning of the year - 41.3%). A significant share in the structure of liabilities is also formed by the own funds of the credit institution and the funds of enterprises and organizations, the share of which is reporting date amounted to 27.6% and 16.2%, respectively. Dependence on the funds of individuals is assessed as high. The bank's client base is small, the turnover on client accounts is 3-5 billion rubles a month.
The main part of net assets falls on the loan portfolio (58.8%). Another 21.7% and 7.2% are highly liquid assets and other assets, respectively. Issued interbank loans, fixed assets and intangible assets in total, they occupy a share of about 10% of the net assets of a credit institution.
As of December 1, 2015, the bank's loan portfolio amounted to 1.7 billion rubles (58.8%), having decreased over the period under review by 23.15%, or by 0.5 billion rubles in absolute terms. The portfolio is 80.7% formed by corporate loans, the share of "retail" - 19.3%. During the analyzed period, the share of retail lending has slightly increased in volume (+2%, or 6.4 million rubles). The loan portfolio is predominantly short-term, the share of loans issued for up to one year is 51.34%. The level of overdue debt as of December 1, 2015 amounted to 2.53% (at the beginning of the year - 2.06%), which is a low indicator. However, the provisioning level for the portfolio is 8.92% (at the beginning of the period - 8.74%), which indirectly may indicate the actually low quality of the loan portfolio. The loan portfolio is secured by a pledge of property in the amount of 1.5 billion rubles (85.71% of the total loan portfolio), which is slightly below the sufficient level of security.
The bank's securities portfolio is insignificant and, as of December 1, 2015, amounts to just over 39 million rubles. The portfolio is 96.6% represented by investments in bonds, investments in shares account for a share of 3.4%. It is also worth paying attention to the fact that the credit institution does not use securities presented in the portfolio as collateral for REPO transactions. Portfolio turnover is low, volume currency transactions minor.
During the period under review, the credit institution's investments in highly liquid assets increased by 74.5% (or by 266.7 million rubles), amounting to 624.9 million rubles as of December 1, 2015. Nostro accounts account for about 63.7% of highly liquid assets, a significant share is also formed by cash at the box office (28.9%).
Funds in banks (including issued interbank loans) account for 7% of net assets, their volume has increased by 35.2% since the beginning of 2015. In the domestic market of interbank loans, the bank is a net creditor.
According to RAS reporting data, at the end of 2014 the bank received a profit in the amount of 9.4 million rubles (at the end of 2013 - 12.5 million rubles). For 11 months of 2015, the bank earned 14.3 million rubles.
Board of Directors: Dmitry Kaminsky (chairman), Andrey Bukhtiyarov, Alexey Shevtsov, Galina Zhabotinskaya.
Governing body: Andrey Bukhtiyarov (chairman), Anzhelika Bulatchik, Oleg Mamzer.
iBank "Interactive Bank" (LLC) is a universal, high-tech financial institution which in its work focuses on modern level banking service.
Our main principles in work are simplicity, availability, quality and reliability.
We want to modern world our customers could quickly and remotely receive the entire range of banking services without wasting personal time visiting the Bank.
Chairman of the Board. The candidacy was approved by the Bank of Russia on December 12, 2008. Date of appointment to the position: December 16, 2008.
Limited Liability Company "SLAVINVESTBANK", April 10, 2003 Vice-President in the Management division. Job responsibilities: supervising the activities of corporate divisions, improving the quality of the loan portfolio, organizing transactions international funding. 07/01/2005 - 03/06/2006 was transferred to the position of Deputy Chairman of the Board in the Management division. Job responsibilities: supervising the activities of corporate divisions, improving the quality of the loan portfolio, increasing the efficiency of the bank.
TransOil LLC, March 27, 2006 General Director. Job responsibilities: organization of current transactions, development of a development strategy. 09/18/2006 - 05/29/2008 was transferred to the position of Executive Director. Job responsibilities: organization of current transactions, control of financial flows.
Commercial Bank "PRADO-BANK" (Limited Liability Company), (renamed from April 15, 2013 to "Interactive Bank" (LLC)) Job responsibilities: supervising the activities of the client block, increasing the efficiency of the bank. 08/15/2008 - 12/15/2008 was transferred to the position of Deputy Chairman of the Board. Job responsibilities: supervising the activities of the client block, increasing the efficiency of the bank.
04/26/2016 Interactive Bank lost its license.
Today, a review of a professional depositor will be devoted to a rather interesting product of a small Moscow credit organization Interactive Bank LLC. "iBank" positions itself as a remote bank, i.e. it develops its business through remote service channels.
And this is precisely its main plus for the serial investor, who prefers to make the most banking operations online. The bank was mono-office for a long time and only this autumn the second branch of the bank appeared. The new stylish office is located in the Moscow City business center:
The main access key to all bank services is a free debit card Visa Platinum, which in itself occupies a worthy place among similar offers from other banks ( , " Tinkoff Bank”or with the function of interest on the balance from Pervobank”).
Like all similar debit cards, Interactive Bank's Visa Platinum card has both its advantages and disadvantages. However, thanks to the free release and maintenance Visa card Platinum will definitely not be superfluous in any collection. Under certain circumstances debit card Aibanka can come out of the shadows and turn out to be the most profitable and convenient in a certain period of time.
1 Card issuance and service are free of charge:
2 Free sms-informing. Support for 3D-Secure technology for secure online shopping. The presence of a chip.
3 You can order a card not only at bank branches (located in Moscow), but also remotely from other cities of Russia (a specific locality can be selected on the bank’s website when filling out an online application. Card delivery is free, but the process remote clearance card is associated with some inconveniences (more on this below in the "Disadvantages" section).
4 The presence of a cashback, moreover, in rubles, and not. For purchases up to 50 thousand per month, a 0.5% cashback is charged, from 50 thousand to 100 thousand - 1%, and for an amount over 100 thousand - 1.5%. The value of this cashback increases by 3% if you make purchases in the category selected by the bank with an increased cashback (changes by the bank every month). In the month of your birth, cashback increases by another 0.5%.
Those. if you made purchases in the month of your birth in the amount of 100 thousand rubles, and even in the category selected by the bank for increased cashback accrual, then your total cashback will be 5%. Moreover, the maximum amount is not limited (i.e. limited by the limits of the card itself 5 million * 0.05 = 250,000 rubles).
The bank clearly stated in the rules the MCC codes (Merchant Category Code) of operations for which cashback is not credited. The set of exceptions is quite standard:
It is also worth noting that when more than 2 transactions are made in one merchant ( trade and service enterprise) within one day (from 00:00 to 23:59 Moscow time), CashBack for the third and subsequent transactions made during the same calendar day in this merchant is not paid.
5 "IBank" accrues 8.01% per annum on the card balance:
To calculate interest, it is necessary that the average monthly balance on the card be at least 1000 rubles (i.e., conditionally, either 1000 rubles on the card account must lie for 30 days, or 30 thousand - 1 day, if there are 30 days in a month) and the amount of purchases must also be at least 1000 rubles per month.
Interest is calculated monthly on the amount of the daily balance.
UPD: 02/27/2016
From March 1, 7% per annum will be charged on the balance of funds on the card.
6 Opportunity to open an expense-replenished iDeposit deposit to store the principal amount and promptly transfer funds from it (via Internet banking or mobile app) to a card account for making purchases. With a monthly payment of interest, a deposit term of 365 days (you can only make income and expenditure transactions for the first 270 days) and a minimum balance of 10 thousand rubles interest rate will be 10.75%:
UPD: 02/27/2016
From February 10, 2016, the interest rate decreased to 9.7%.
7 By becoming an Interactive Bank client, you get access to the Internet bank (and mobile bank), in which you can perform all sorts of operations:
You can open 5 current accounts for free in different currencies(dollars, euros, pounds, yuan):
Accordingly, it is possible to convert funds from one currency to another. The most favorable rate will be during the opening hours of the Moscow Currency Exchange.
You can open deposits;
You can order the issue of an additional ruble card or a card in dollars and euros (3 cards can be issued free of charge). You can also release 3 for free virtual cards Visa Virtual;
You can make non-cash bank transfers to other banks with a fixed price per transfer (35 rubles), regardless of the amount of the transaction. Transfers to the accounts of Interactive Bank clients are carried out without commission (and to yourself, respectively, too);
Naturally, you can make payments for the phone, internet, utilities;
You can independently set limits on transactions, including prohibiting CNP (card not present, i.e. transactions on the Internet):
Internet banking "iBank" allows you to perform even too many operations that are usually not needed by anyone (you can make public accounts, set Extra options security, create an additional safe, etc.). Due to some desktop clutter, it may seem that everything is too complicated:
However, this is a matter of taste. It is better when there are many functions and you simply do not use them than when there are few of them, but they are needed.
8 Cash can be withdrawn from the card at its own ATM network (the proud name “network” means as many as 2 ATMs in Moscow for the entire Russian Federation), as well as at VTB Group ATMs (these are VTB24, Leto Bank and Bank of Moscow) .
9 When making purchases in foreign currency (for a ruble card), the conversion takes place at the rate of the Bank of Russia + 0.5% on the day the transaction is processed at the bank (usually several days after the purchase is made). Please note that the main currency of the Visa payment system is the US dollar. So if you spend abroad not in dollars (and in the eurozone - not in euros), then when making purchases, there will be an additional conversion at the rate of the payment system from local currency in dollar. And the rate of the Central Bank of the Russian Federation + 0.5% will be when converting the US dollar into rubles.
10 It follows from paragraphs "8" and "9" that in the currency ATMs of the VTB Group, using debit card Visa Platinum "Interactive Bank" you can buy cash foreign currency at the rate of the Central Bank of the Russian Federation + 0.5% (maximum 100,000 in ruble equivalent - daily cash withdrawal limit on the card). True, this is in theory, VTB Group ATMs do not issue currency very willingly, even currency cards ibank:
11 Interactive Bank assures that the Visa Platinum card has all the privileges provided by the international payment system Visa for premium card holders:
