Credit Europe Bank Chairman of the Board. Joint-Stock Company "Credit Europe Bank". Credit Europe Bank opened a new office in Volgograd
The bank was established under the name "Financebank" in 1997 on the basis of the representative office of the Turkish bank "Financebank AS" (Finansbank A.S., founded in 1987) opened in 1994.
In August 2006, FIBA International Holding* (owner of Finansbank) sold a controlling stake in Finansbank A.S. (Turkey) to the National Bank of Greece (NBG) for USD 2.8 billion (3.8 capital), as a result of which the rights to use brand "Financebank". At the same time, Fiba Group bought out from Finansbank for 479 million euros 41.8% of the shares of Finansbank Romania and 100% of the Dutch Finans International Holding N. V. (controls business in Russia, Switzerland, the Netherlands, etc.). In this regard, the units in Russia, the Netherlands, Romania, Germany, Belgium, Switzerland, Malta, the United Arab Emirates and Ukraine that were not included in the deal switched to a new brand - Credit Europe Bank. Russian Finansbank changed its name to Credit Europe Bank in March 2007. Since February 2005, the bank has been a member of the deposit insurance system.
Until recently, Credit Europa Bank N. V. (Holland) controlled 99.99% of the shares of the Russian subsidiary. Note that the ultimate beneficiary of the Dutch holding, which is part of the FIBA Group, is a Turkish citizen, a major businessman Husnu Mustafa Ozyegin (Husnu M. Ozyegin).
In September 2018, Credit Europe Bank N.V. completed the sale of a controlling stake in the Russian bank Fiba Holding A.S. and Fina Holding A.S., which in turn control Credit Europe Bank N.V.
As a result of the transaction, currently (as of September 20, 2018) Fiba Holding A. S. owns 55% of the bank's shares, Fina Holding A. S. - 35% of the shares, Credit Europe Bank N. V. controls 10% of the shares. Hysnu Mustafa Ozyegin remains the ultimate beneficial owner of the bank.
The head office of the Russian Credit Europe Bank is located in Moscow. The branch network of the credit institution includes 61 branches in 28 cities and five time zones of the Russian Federation, as well as 514 ATMs and more than 18 thousand points of sale in 77 Russian cities. According to the latest available data, the average number of bank employees exceeded 3 thousand people.
Corporate clients, including small and medium-sized businesses, have access to lending services, trade finance, cash transactions, payroll programs, merchant acquiring, cash collection, corporate plastic cards(Eurocard / MasterCard Business), conversion operations, placement of free Money for deposits, factoring (including factoring of rental payments and other programs), letters of credit, bank guarantees, corporate insurance, leasing, remote maintenance.
Individuals have access to deposits, loans (cash, for goods and services, car loans, mortgages, for tours and travel), plastic debit/credit cards (MasterCard, Visa, various joint cards), money transfers (including Western Union) , Internet banking, insurance, etc. In the first quarter of 2015, the bank joined the program state subsidies car loans. As part of the car loan program, the bank cooperates with the largest official dealers throughout the country.
At the end of 2018, the bank served 6 million retail clients and more than 20 thousand corporate clients (5.4 thousand corporate clients and 15 thousand small and medium-sized businesses). The Bank also maintains partnerships and cooperates within co-branding and consumer lending programs with key international retailers - Auchan, Metro Cash & Carry, Ikea.
Since the beginning of 2018, the net assets of the credit institution showed an increase of 8.2% - up to 138.8 billion rubles as of November 1. In the bank's liabilities, the growth was funded by the deposits of individuals, which added 27.3% in volume. There is also a repayment of 80% of debt on interbank loans and a comparable in absolute terms inflow of funds from corporate clients (+18.7%). The attracted liquidity was directed in assets mainly to lending to individuals, whose portfolio showed growth comparable in absolute terms to the inflow of deposits from individuals. Loans to enterprises and organizations also showed positive dynamics (+15.6%). At the same time, the portfolio of issued interbank loans decreased by a comparable amount in absolute terms (-51.3%).
The resource base of the credit institution as of November 1, 2018 was concentrated on the deposits of individuals, which accounted for half of the liabilities by the reporting date. In the structure of household funds, deposits with a term of one year or more prevailed. The second largest source of liabilities was the funds of corporate clients, which accounted for 20.2% of liabilities as of the reporting date. Their structure as a whole was represented by resources of various urgency. A slightly smaller share was occupied by own capital, its sufficiency in accordance with the Central Bank norm N1.0 was 11.3% (with a minimum of 8%). As of the reporting date, equity included a subordinated loan with a net book value of RUB 1.8 billion raised in November 2012 from CEB Capital S.A. (Luxembourg) as part of a Eurobond issue in the amount of USD 250 million maturing in November 2019. The client base is quite large, the payment dynamics is stable: since the beginning of 2018, the turnover on customer accounts amounted to 70-110 billion rubles monthly. Dependence on the funds of individuals in last years increased noticeably.
The main volume of the credit institution's assets is accounted for by the loan portfolio item, which at the reporting date forms 79.5% of net assets. Highly liquid assets (mainly cash balances and correspondent accounts with the Central Bank) accounted for 5.3%, issued by interbank loans - 3.7%, portfolio valuable papers- 1.2%. Other assets accounted for 9.0%, fixed assets and intangible assets accounted for 0.3%.
As of the reporting date, the total loan portfolio of the financial institution amounted to 110.3 billion rubles. Since the beginning of 2018, its volume has grown by 22.1%. The main share in the loan portfolio falls on loans provided by individuals, - 62.0%. The loan portfolio is predominantly long-term, with a predominance of maturities over three years. Over the analyzed period, the level of overdue debt on the total portfolio decreased from 13.5% to 7.7%. The level of provisioning also decreased, however, it covers the delay with a margin, amounting to 12.3% as of the reporting date (at the beginning of 2018 - 20.0%). As of the reporting date, the property pledged as collateral for loans fully covered the size of the loan portfolio.
A credit institution regularly performs operations in the interbank lending market, while occupying the position of a net creditor. The placement turnover since the beginning of 2018 ranged from 11 billion to 81 billion rubles. In the foreign exchange market, activity is also regular and noticeably higher; since the beginning of 2018, the turnover on conversion operations has been on average at the level of 300-500 billion rubles.
According to RAS financial statements, for January - October 2018 credit organisation received a net profit of 431.9 million rubles - almost half as much as in the same period in 2017. For the whole of 2017, net profit reached 1.2 billion rubles.
Board of Directors: Husnu Mustafa Ozyegin (Chairman), Enver Murat Bashbay, Mehmet Güleşci, Faik Onur Umut, Ilkorur Korkmaz.
Management Board: Behcet Haluk Aydinoglu (Chairman), Asad Verdiyev, Anna Zhludova (Chief Accountant), Nina Zubareva, Emin Jandan.
* FIBA Group was founded in 1987 by Hysnu Ozyegin and is controlled by the founder's family. The FIBA Group includes subsidiary banks, investment, factoring and leasing companies operating in Turkey, Switzerland, Holland, Germany, Belgium, Malta, Romania, Ukraine, UAE and China. In addition to the financial sector, the group has significant interests in retail chains and real estate development, as well as in aviation, real estate, energy, shipping construction, tourism and other areas.
An important task of the FIBA Group is the formation and development of fundamental values within society that contribute to improving the quality of human life through education. In accordance with this goal, the group cooperates with the Foundation for Mother and Child (AÇEV), has its own foundation named after Hysnu Özyegin and the University of Özyegin.
The structure of the group includes 66 companies, the number of employees was about 12 thousand people. According to the latest available data, the total assets of the FIBA Group amounted to 17.2 billion US dollars (more than half of which are invested outside of Turkey), the group's equity was about 1.9 billion US dollars.
"Owners"The founder and owner of Fiba Holding, which includes CREDIT EUROPE BANK Russia, is Mr., a Turkish businessman, richest man in Turkey for the last 3 years.
98.14% of the shares of CREDIT EUROPE BANK in Russia are owned by CREDIT EUROPE BANK (Holland), the remaining shares of 1.86% are owned by individuals and legal entities holding less than 1% of votes to the total number of voting shares CREDIT EUROPE BANK
"News"Credit Europe Bank offered a loan to improve living conditions
Credit Europe Bank announced the launch of the program "Credit for the improvement of living conditions" without collateral and insurance. The loan is issued for a period of 1 to 8 years in the amount of 60 thousand to 2.5 million rubles, but not more than 85% of the value of the acquired property.
link: http://www.banki.ru/news/lenta/?id=4111114
"Credit Europe Bank" launched an alternative to mortgage
"Credit Europe Bank" launched the program "Credit for the improvement of living conditions". The bank notes that this product is an alternative to the classic mortgage. When applying for a loan, the bank does not require collateral, guarantors and co-borrowers, compulsory insurance, as well as confirmation of official income.
link: http://www.dailystroy.ru/news/196373.html
Car loans become more affordable for young drivers
This is not the first example of cooperation between car manufacturers and various banks. At the end of August, the Russian branch of Kia Motors entered into a partnership agreement with Credit Europe Bank, which will offer special conditions car loans for the entire model range of the automaker.
link: http://rosinvest.com/novosti/959080
Credit Europe Bank and PEGAS Touristik are working on the launch of a co-brand
Already in the new year, a co-brand of Credit Europe Bank and PEGAS Touristik may be launched. This was announced on Tuesday at a joint press conference by the bank and the tour operator themselves. The Banki.ru portal looked into how much clients need "tourist" co-brands, which of the credit institutions is ready to offer such a product, and what are the ambitions of Russian banks in this regard.
link: http://loyaltymarketing.ru/
CREDIT EUROPE BANK came up with an alternative to mortgages
CREDIT EUROPE BANK announces the launch of a unique, unparalleled in Russia, program "Credit for the improvement of living conditions." It is designed for those who do not have the ability or desire to apply for a mortgage loan. Serious shortcomings of mortgage loans most often include high final overpayments and a large number of requirements for borrowers (proof of income, work experience, guarantors). Many families in Russia, due to the conditions of a mortgage loan, are thus deprived of the opportunity to solve the housing problem.
link: http://www.1rre.ru/news/doc/59492/
Credit Europe Bank opened a new office in Volgograd
Credit Europe Bank has opened a new branch in Volgograd at the address: Prospekt im. V. I. Lenina, d. 22a. As follows from the message of the bank, the office offers cash services for individuals and legal entities, transfers, currency exchange operations and other services.
link:
Supervisor:
Sole executive body (President, Chairman of the Board): Aydinoglu Behcet Haluk
- is a leader in 1 organization.
The company with the full name "JOINT-STOCK COMPANY "CREDIT EUROPE BANK"" was registered on May 23, 1997 in the Moscow region at the legal address: 129090, Moscow, Olympiyskiy prospect, 14.
The registrar "" assigned the company TIN 7705148464 PSRN 1037739326063. Registration number in the Pension Fund: 087121002610. Registration number in the FSS: 772800383677031. Number of licenses issued to the company: 6.
Primary activity according to OKVED: 64.19.
Requisites| OGRN | 1037739326063 |
| TIN | 7705148464 |
| checkpoint | 770201001 |
| Organizational and legal form (OPF) | Non-public joint-stock companies |
| Full name of the legal entity | JOINT STOCK COMPANY "CREDIT EUROPE BANK" |
| Abbreviated name of the legal entity | JSC "CREDIT EUROPE BANK" |
| Region | Moscow city |
| Legal address | 129090, Moscow, Olympic prospect, 14 |
| Registrar | |
| Name | Office of the Federal Tax Service for Moscow, No. 7700 |
| Address | 125284, Moscow, Khoroshevskoe highway, 12A |
| Date of registration | 23.05.1997 |
| Date of assignment of OGRN | 30.01.2003 |
| Accounting in the Federal Tax Service | |
| Registration date | 06.01.2017 |
| Tax authority | Inspectorate of the Federal Tax Service No. 2 for Moscow, No. 7702 |
| Information about registration in the FIU | |
| Registration number | 087121002610 |
| Date of registration | 10.08.2012 |
| Name of the territorial body | State institution - Main Directorate of the Pension Fund of the Russian Federation No. 10 Office No. 1 for Moscow and the Moscow Region, Municipal District Central District of Moscow, No. 087121 |
| Information about registration in the FSS | |
| Registration number | 772800383677031 |
| Date of registration | 30.06.2017 |
| Name of the executive body | Branch No. 3 of the State Institution - Moscow Regional Branch of the Social Insurance Fund Russian Federation, №7703 |
License date: 02/22/2012
22.02.2012
- DEPARTMENT FOR LICENSING ACTIVITIES AND FINANCIAL REVITALIZATION OF CREDIT ORGANIZATIONS
License date: 11/18/2014
License start date: 11/18/2014
Name of the licensed type of activity for which the license was issued:
- Development, production, distribution of encryption (cryptographic) means, information systems and telecommunication systems protected using encryption (cryptographic) means, performance of work, provision of services in the field of information encryption, Maintenance encryption (cryptographic) means, information systems and telecommunication systems protected using encryption (cryptographic) means (except for the case when the maintenance of encryption (cryptographic) means, information systems and telecommunication systems protected using encryption (cryptographic) means is carried out to provide own needs legal entity or individual entrepreneur)
Name of the licensing authority that issued or reissued the license:
- CENTER FOR LICENSING, CERTIFICATION AND PROTECTION OF STATE SECRETS
License date: 02/04/2015
License start date: 02/04/2015
Name of the licensed type of activity for which the license was issued:
- Bank implementation. operations (with funds in rubles and foreign currency), the right to which is granted by the General License: - attracting funds from individuals and legal entities in deposits (on demand and for a certain period); - placement of funds attracted in deposits (on demand and for a certain period) of individuals and legal entities on their own behalf and at their own expense; - opening and maintaining a bank. accounts of individuals and legal entities; - implementation of money transfers on behalf of individuals and legal entities, including authorized correspondent banks and foreign banks, through their bank accounts; - collection of money. funds, bills, payment and settlement documents and cash services for individuals and legal entities; currency in cash and non-cash forms; - issuance of a bank. guarantees; - money transfers. funds without opening a bank. accounts, including electronic money. funds (excluding postal orders)
Name of the licensing authority that issued or reissued the license:
License date: 03/30/2015
License start date: 11/27/2000
Name of the licensed type of activity for which the license was issued:
- Brokerage activities
Name of the licensing authority that issued or reissued the license:
- Central Bank of the Russian Federation
License date: 03/30/2015
License start date: 11/27/2000
Name of the licensed type of activity for which the license was issued:
- Dealer activity
Name of the licensing authority that issued or reissued the license:
- Central Bank of the Russian Federation
License date: 03/30/2015
License start date: 07.12.2000
Name of the licensed type of activity for which the license was issued:
- Depository activities
Name of the licensing authority that issued or reissued the license:
- Central Bank of the Russian Federation
Address: 344002, Rostov region, Rostov-on-Don, Maxim Gorky street, 123/67, floor 2
Address: 630007, Novosibirsk region, Novosibirsk city, Soviet street, building 5, floor 6
Address: 620014, Sverdlovsk region, Yekaterinburg, Vayner street, 19, letter A, room 34
Address: 191024, St. Petersburg, Nevsky Prospekt, 137, letter A, room 4H
Address: 420107, Republic of Tatarstan, Kazan city, Spartakovskaya street, building 6, floor 6, office 616
Address: 450103, Republic of Bashkortostan, Ufa city, Academician Uraksina street, 3
TIN: 7705677316, PSRN: 1057747615452
CEO: Toprak Osman
TIN: 7705746577, PSRN: 5067746074094
115054, Moscow, Paveletskaya square, building 2, building 2
CEO: Bashiplikchi Haykan
TIN: 7705784734, PSRN: 5077746427941
129090, Moscow, Olympic prospect, 14
General Director: Tkach Marina Alekseevna
TIN: 7702395225, PSRN: 5157746172986
129090, Moscow, Olympic Avenue, 14
General Director: Kasradze-Panasyan Mikhail Sergeevich
State registration number: 1037739326063
Tax authority: Interdistrict Inspectorate of the Ministry of the Russian Federation for Taxes and Dues No. 39 for Moscow, No. 7739
Reason for making changes: Entering information about a legal entity registered before July 1, 2002 into the Unified State Register of Legal Entities
State registration number: 2037711003229
Tax authority:
Reason for the change:
State registration number: 2037711007684
Tax authority: Office of the Ministry of the Russian Federation for Taxes and Duties in Moscow, No. 7700
Reason for the change:
State registration number: 2037711007893
Tax authority: Office of the Ministry of the Russian Federation for Taxes and Duties in Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
State registration number: 2047711003921
Tax authority: Office of the Ministry of the Russian Federation for Taxes and Duties in Moscow, No. 7700
Reason for change: Submission by the licensing authority of information on the grant of a license
State registration number: 2047711011093
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- EXTRACT FROM PROTOCOL No. 29
- CHANGES #8
State registration number: 2047711012963
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for change: Submission by the licensing authority of information on the grant of a license
State registration number: 2057711003249
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- CHANGES #9
- EXTRACT FROM DECISION No. 1
State registration number: 2057711003260
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change:
Documentation:
- P14001 STATEMENT FOR CHANGE IN INFORMATION NOT RELATED TO INSTITUTIONAL DOCUMENTS
State registration number: 2057711009486
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- CHANGES No. 10 INTRODUCED TO THE CHARTER
- EXTRACT FROM THE DECISION
- APPLICATION FOR THE STATE REGISTRATION OF CHANGES INTRODUCED TO THE FOUNDING DOCUMENTS OF A LEGAL ENTITY
- PAYMENT ORDER
State registration number: 2057711010762
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
State registration number: 2057711014392
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- CHANGES #11
- EXTRACT FROM DECISION No. 6
State registration number: 2067711003039
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- CHANGES #12
- EXTRACT FROM PROTOCOL No. 3
State registration number: 2067711010266
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- CHANGES No. 13 INTRODUCED TO THE CHARTER
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- EXTRACT FROM MINUTES No. 7 OF THE EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS
State registration number: 2077711000486
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- EXTRACT FROM PROTOCOL No. 9
- MEAS. No. 14, IN CHARTER
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2077711001663
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- MEAS. No. 15, TO THE CHARTER OF A LEGAL ENTITY
- EXTRACT FROM PROTOCOL No. 11
State registration number: 2077711004644
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- EXTRACT FROM MINUTES No. 13 OF THE EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- CHANGES No. 16 INTRODUCED TO THE CHARTER
State registration number: 2077711005854
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- MEAS. No. 17, TO THE CHARTER OF A LEGAL ENTITY
- EXTRACT FROM PROTOCOL No. 14
State registration number: 2087711000947
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- CHARTER OF A LEGAL ENTITY
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- EXTRACT FROM PROTOCOL No. 19
State registration number: 2087711006030
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- EXTRACT FROM PROTOCOL No. 26
- CHARTER OF A LEGAL ENTITY
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2097711000176
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT FOR CHANGE IN INFORMATION INTO THE INSTITUTIONAL DOCUMENT
- CHARTER OF A LEGAL ENTITY
- EXTRACT FROM PROTOCOL No. 31
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2097711016368
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change:
State registration number: 2097711025696
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2107711005169
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2107711006522
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2107711012000
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- EXTRACT FROM PROTOCOL No. 139
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2107711017093
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHANGES No. 2 INTRODUCED TO THE CHARTER
- EXTRACT FROM PROTOCOL No. 146
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- STATEMENT ON THE FACT OF CHANGE OF PLACE OF LOCATION OF REPRESENTATIVE OFFICES OF CJSC "CREDIT EUROPE BANK"
State registration number: 2117711004134
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2117711013924
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHANGES No. 3 INTRODUCED TO THE CHARTER
- EXTRACT FROM PROTOCOL No. 159
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2117711018863
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHANGES No. 4 INTRODUCED TO THE CHARTER
- EXTRACT FROM PROTOCOL No. 35
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2117711025045
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHANGES No. 5 INTRODUCED TO THE CHARTER
- EXTRACT FROM PROTOCOL No. 165
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2127711002043
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHARTER
- EXTRACT FROM PROTOCOL No. 36
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2127711015375
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change:
State registration number: 2127711015386
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Submission of information on the registration of a legal entity as an insurant in the territorial body of the Pension Fund of the Russian Federation
State registration number: 2137711001151
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHANGES No. 1 INTRODUCED TO THE CHARTER
- EXTRACT FROM PROTOCOL No. 177
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2137711002779
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2137711003582
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change:
Documentation:
- COVERING LETTER
- COPY OF LICENSE No. 3311
State registration number: 2137711003880
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- EXTRACT FROM MINUTES No. 179 OF THE BOARD OF DIRECTORS OF CJSC "CREDIT EUROPE BANK"
- CHANGES No. 2 INTRODUCED TO THE CHARTER OF CJSC CREDIT EUROPE BANK
State registration number: 2137711011140
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHARTER
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- EXTRACT FROM PROTOCOL No. 38
State registration number: 2137711012657
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHANGES No. 1 INTRODUCED TO THE CHARTER
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- EXTRACT FROM PROTOCOL No. 188
State registration number: 2147711012425
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
- Extract from Minutes No. 200 of the Board of Directors
State registration number: 2147711016792
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for change: Submission by the licensing authority of information on the grant of a license
Documentation:
- Letter
- Covering letter
State registration number: 2157700036404
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHARTER
- EXTRACT FROM MINUTES No. 42
State registration number: 2157700042058
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Submission by the licensing authority of information on the reissuance of documents confirming the existence of a license (information on the renewal of a license)
State registration number: 2157700053498
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- DOCUMENT ON PAYMENT OF THE STATE DUTY
- EXTRACT FROM MINUTES No. 208 OF THE BOARD OF DIRECTORS
- CHANGES No. 1 INTRODUCED TO THE CHARTER OF LE
State registration number: 2157700076015
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2157700166424
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHARTER OF YUL IN A NEW EDITION
- EXTRACT FROM THE MINUTES No. 44 OF THE ANNUAL GENERAL MEETING OF LEAGUE PARTICIPANTS
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2157700223723
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Submission by the licensing authority of information on the reissuance of documents confirming the existence of a license (information on the renewal of a license)
State registration number: 2157700223734
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Submission by the licensing authority of information on the reissuance of documents confirming the existence of a license (information on the renewal of a license)
State registration number: 2157700223844
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Submission by the licensing authority of information on the reissuance of documents confirming the existence of a license (information on the renewal of a license)
State registration number: 2157700245602
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2167700265852
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2167700293077
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHANGES No. 1 INTRODUCED TO THE CHARTER
- EXTRACT FROM MINUTES No. 45 OF THE ANNUAL GENERAL MEETING OF SHAREHOLDERS
- COPY OF THE CERTIFICATE OF THE DECISION OF THE GOVERNING BODY OF THE LEGAL ENTITY
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2167700545285
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change:
State registration number: 2167700670894
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2177700047886
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Submission of information on the registration of a legal entity with a tax authority
State registration number: 2177700216428
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Submission of information on the registration of a legal entity as an insurer with the executive body of the Social Insurance Fund of the Russian Federation
State registration number: 2197700032880
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- Р14001 STATEMENT ON CHANGING INFORMATION NOT RELATED TO CHANGES. INSTITUTIONAL DOCUMENTS (clause 2.1)
State registration number: 2197700052130
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for making changes: State registration of changes made to the constituent documents of a legal entity related to changes in information about a legal entity contained in the Unified State Register of Legal Entities, based on an application
Documentation:
- P13001 STATEMENT OF CHANGES INTRODUCED TO THE INSTITUTIONAL DOCUMENTS
- CHARTER
- EXTRACT FROM MINUTES No. 48 OF THE EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS
- A COPY OF THE CERTIFICATE OF CERTIFICATION OF THE GENERAL MEETING OF SHAREHOLDERS OF THE BUSINESS COMPANY DECISIONS AND THE COMPOSITION OF THE SHAREHOLDERS OF THE COMPANY PRESENT AT ITS ADOPTION
- DOCUMENT ON PAYMENT OF THE STATE DUTY
State registration number: 2197700096801
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Submission of information on the registration of a legal entity with the tax authority at the location of the branch / representative office
State registration number: 2197700174945
Tax authority: Department of the Federal Tax Service for Moscow, No. 7700
Reason for the change: Change of information about the legal entity contained in the Unified State Register of Legal Entities
Documentation:
- APPLICATION FORM P14001
| Joint-Stock Company | |
| General number 3311 | |
| № 690 | |
| bank | |
| G. | |
| Finansbank | |
| Moscow | |
| Haluk Behcet Aydinoglu (President of JSC Credit Europe Bank) | |
| 20.9 billion rubles (01/01/2017) | |
| 101 billion rubles (01/01/2017) | |
| Credit Europe Bank N.V. | |
| Ernst & Young | |
| Bank | |
| crediteurope.com | |
JSC "Credit Europe Bank" is a Russian Bank with foreign capital, founded in 1997, belongs to the international financial group FIBA, operating in 12 countries around the world.
The activities of Credit Europe Bank in Russia are concentrated in such cities as Moscow, St. Petersburg, Kazan, Yekaterinburg, Ufa, Novosibirsk, Rostov-on-Don and others.
The branch network of Credit Europe Bank includes more than 60 branches in more than 30 cities and 5 time zones of the Russian Federation, as well as more than 530 ATMs and more than 4,000 points of sale in Moscow and in the largest regions of Russia.
Credit Europe Bank is a universal bank that provides a wide range of services to retail and corporate clients, as well as small and medium-sized businesses. To date, the Bank serves more than 5,000,000 individual clients, 2,000 corporate clients and 17,000 small and medium-sized businesses (01.01.2017).
The reliability of the Bank is confirmed by the international ratings of Moody's "B1", Fitch "BB-".
The main shareholder of Credit Europe Bank JSC is Credit Europe Bank N.V (Holland).
StoryIn 1997, Finansbank (Moscow) A.O. was created. as a bank with 100% foreign capital. The bank was focused on serving corporate clients, most of which were Turkish companies operating in Russia.
In 2000, the Bank entered the consumer lending market and began issuing its own plastic cards, serving mainly employees of its corporate clients.
In 2001-2003, the Bank significantly expanded its client base and began to actively explore the consumer lending market in Russia.
In 2004, the Bank's regional offices were opened in St. Petersburg, Kazan, Nizhny Novgorod, Rostov-on-Don, Perm, Ufa and Samara.
In 2005, the Bank was assigned one of the highest ratings among Russian financial institutions. Moody`s agency has assigned the international rating of Ba2 to CJSC Finansbank. The bank becomes a member of the system compulsory insurance deposits (registration number 690), and also starts working with small and medium-sized businesses and launches a car loan program.
In 2006, FIBA International Holding sold one of its main assets - Finansbank (Turkey) to the National Bank of Greece (NBG). Under the terms of the deal, the rights to the Finansbank brand were transferred to the NBG. In 2006, the Bank began cooperation with the AUCHAN network. Moody`s agency upgraded the bank's rating to Ba1.
In 2007, Finansbank officially changes its name to CREDIT EUROPE BANK (CJSC). The Bank placed an issue of series 01 ruble bonds in the amount of 3.5 billion rubles with a maturity of 3 years. The issue of series 01 bonds was repaid in due time. The bank entered the mortgage lending market.
In 2008, the Bank began cooperation with IKEA. The Bank placed an issue of series 02 ruble bonds in the amount of 4 billion rubles with a maturity of 3 years. The issue of series 02 bonds was repaid in due time. The bank became a member State Program car loan subsidies. Joint programs are being developed with UZ-Daewoo, Hyundai, Chery, Chrysler, GAZ, Isuzu.
In 2010, the Bank was assigned a Fitch Rating of BB-. The Bank is launching a unique co-branding program for issuing credit cards (MEGA CARD) together with the MEGA retail chain. The Bank issued Eurobonds for a period of 3 years with the possibility of early redemption in 2 years, a coupon rate of 7.75%, in the amount of USD 300 million. The European Bank for Reconstruction and Development opens the Bank credit line in the amount of 2.9 billion rubles and transfers the first tranche in the amount of 1.45 billion rubles to support small and medium-sized businesses in all regions of the Bank's presence.
In 2011, the Bank placed the 6th issue of classic bonds for 4 billion rubles with a 1-3 coupon rate of 8.3% per annum. The bank placed 3-year bonds series BO-01 for 5 billion rubles. with a coupon rate of 8.1% per annum. In 2011, the first branch of the Bank was opened in Kaliningrad (as of May 17, 2019, there are no bank branches in Kaliningrad). The Bank's car loans are available at more than 1,300 points of sale. The Bank has been rated 'AA+' on the national scale with a 'stable' outlook and 'BBB+' on the international scale with a 'stable' outlook by Rus-Rating.
In 2012, the Bank placed USD 250 million subordinated Eurobonds with a maturity of 7 years. The coupon rate of the bonds is set at 8.5% per annum. In addition, BO-03 series bonds worth RUB 5 billion were successfully placed. on the MICEX Stock Exchange: demand was exceeded by 1.9 times and amounted to 9.4 billion rubles. The first coupon rate was set at 9.8% per annum. The bank launched new version its official website www.crediteurope.ru. The Bank also started issuing the Ferrari MasterCard Standard® Card.
In 2013, the Bank placed BO-04 series bonds in the amount of RUB 5 billion. and BO-05 in the amount of 5 billion rubles. The website www.cardcredit.ru was launched, dedicated to one of the most popular products of CREDIT EUROPE BANK - the CARD CREDIT credit card. Ikano Group and CREDIT EUROPE BANK NV have registered a joint bank in Russia - Ikano Bank. Together with travel company PEGAS Touristik, the bank started selling a new co-branded card "Shop & Travel". In 2013, the Bank successfully attracted financing from a pool of Russian banks in the form of a syndicated loan for the total amount of RUB 5.5 billion. The Bank and Honda Motor RUS LLC announced the beginning of cooperation and the launch of a joint car loan program.
The Bank is in the top 50 Russian banks in terms of equity capital and in the top 60 in terms of net assets according to the banki.ru portal (according to RAS as of 01.01.2017: equity capital - 20.9 billion rubles, net assets - 101 billion . rubles).
The Bank occupies a leading position in the consumer lending market, as well as in the credit card market. The positions of Credit Europe Bank in the media ratings can be viewed here.
The reliability of the Bank is confirmed by the international ratings of Moody's "B1", Fitch "BB-". Data as of 01.01.2017.
Owners and managementThe founder and owner of Fiba Holding, which includes Credit Europe Bank Russia, is Husnu Ozyegin, a Turkish businessman, billionaire.
98.14% of the shares of Credit Europe Bank in Russia belong to Credit Europe Bank (Holland), the remaining shares of 1.86% belong to individuals and legal entities owning less than 1% of the votes in the total number of voting shares of Credit Europe Bank.
President of Credit Europe Bank in Russia Behcet Haluk Aydinoglu.
Performance indicators, ratings of the BankNet assets - 101 billion according to the banki.ru portal (according to RAS as of 01/01/2017).
Equity capital - 20.9 billion rubles according to the banki.ru portal (according to RAS as of 01/01/2017).
Moody’s – “B1“, outlook Stable
Fitch – “BB-“, Outlook Stable
ACRA – “BBB“, outlook Stable
The bank was established under the name "Financebank" in 1997 on the basis of the representative office of the Turkish bank "Financebank AS" (Finansbank A.S., founded in 1987) opened in 1994.
In August 2006, FIBA International Holding* (owner of Finansbank) sold a controlling stake in Finansbank A.S. (Turkey) to the National Bank of Greece (NBG) for USD 2.8 billion (3.8 capital), as a result of which the rights to use brand "Financebank". At the same time, Fiba Group bought out from Finansbank for 479 million euros 41.8% of the shares of Finansbank Romania and 100% of the Dutch Finans International Holding N. V. (controls business in Russia, Switzerland, the Netherlands, etc.). In this regard, the units in Russia, the Netherlands, Romania, Germany, Belgium, Switzerland, Malta, the United Arab Emirates and Ukraine that were not included in the deal switched to a new brand - Credit Europe Bank. Russian Finansbank changed its name to Credit Europe Bank in March 2007. Since February 2005, the bank has been a member of the deposit insurance system.
Until recently, Credit Europa Bank N. V. (Holland) controlled 99.99% of the shares of the Russian subsidiary. Note that the ultimate beneficiary of the Dutch holding, which is part of the FIBA Group, is a Turkish citizen, a major businessman Husnu Mustafa Ozyegin (Husnu M. Ozyegin).
In September 2018, Credit Europe Bank N.V. completed the sale of a controlling stake in the Russian bank Fiba Holding A.S. and Fina Holding A.S., which in turn control Credit Europe Bank N.V.
As a result of the transaction, currently (as of September 20, 2018) Fiba Holding A. S. owns 55% of the bank's shares, Fina Holding A. S. - 35% of the shares, Credit Europe Bank N. V. controls 10% of the shares. Hysnu Mustafa Ozyegin remains the ultimate beneficial owner of the bank.
The head office of the Russian Credit Europe Bank is located in Moscow. The branch network of the credit institution includes 61 branches in 28 cities and five time zones of the Russian Federation, as well as 514 ATMs and more than 18 thousand points of sale in 77 Russian cities. According to the latest available data, the average number of bank employees exceeded 3 thousand people.
Corporate clients, including small and medium-sized businesses, have access to lending services, trade finance, cash transactions, payroll programs, merchant acquiring, cash collection, corporate plastic cards (Eurocard / MasterCard Business), conversion operations, placement of free funds on deposits , factoring (including factoring of rental payments and other programs), letters of credit, bank guarantees, corporate insurance, leasing, remote maintenance.
Individuals have access to deposits, loans (cash, for goods and services, car loans, mortgages, for tours and travel), plastic debit/credit cards (MasterCard, Visa, various joint cards), money transfers (including Western Union) , Internet banking, insurance, etc. In the first quarter of 2015, the bank joined the program of state subsidies for car loans. As part of the car loan program, the bank cooperates with the largest official dealers throughout the country.
At the end of 2018, the bank served 6 million retail clients and more than 20 thousand corporate clients (5.4 thousand corporate clients and 15 thousand small and medium-sized businesses). The Bank also maintains partnerships and cooperates within co-branding and consumer lending programs with key international retailers - Auchan, Metro Cash & Carry, Ikea.
Since the beginning of 2018, the net assets of the credit institution showed an increase of 8.2% - up to 138.8 billion rubles as of November 1. In the bank's liabilities, the growth was funded by the deposits of individuals, which added 27.3% in volume. There is also a repayment of 80% of debt on interbank loans and a comparable in absolute terms inflow of funds from corporate clients (+18.7%). The attracted liquidity was directed in assets mainly to lending to individuals, whose portfolio showed growth comparable in absolute terms to the inflow of deposits from individuals. Loans to enterprises and organizations also showed positive dynamics (+15.6%). At the same time, the portfolio of issued interbank loans decreased by a comparable amount in absolute terms (-51.3%).
The resource base of the credit institution as of November 1, 2018 was concentrated on the deposits of individuals, which accounted for half of the liabilities by the reporting date. In the structure of household funds, deposits with a term of one year or more prevailed. The second largest source of liabilities was the funds of corporate clients, which accounted for 20.2% of liabilities as of the reporting date. Their structure as a whole was represented by resources of various urgency. A slightly smaller share was occupied by own capital, its sufficiency in accordance with the Central Bank norm N1.0 was 11.3% (with a minimum of 8%). As of the reporting date, equity included a subordinated loan with a net book value of RUB 1.8 billion raised in November 2012 from CEB Capital S.A. (Luxembourg) as part of a Eurobond issue in the amount of USD 250 million maturing in November 2019. The client base is quite large, the payment dynamics is stable: since the beginning of 2018, the turnover on customer accounts amounted to 70-110 billion rubles monthly. Dependence on the funds of individuals has increased markedly in recent years.
The main volume of the credit institution's assets is accounted for by the loan portfolio item, which at the reporting date forms 79.5% of net assets. Highly liquid assets (mainly cash balances and correspondent accounts with the Central Bank) accounted for 5.3%, issued by interbank loans - 3.7%, securities portfolio - 1.2%. Other assets accounted for 9.0%, fixed assets and intangible assets accounted for 0.3%.
As of the reporting date, the total loan portfolio of the financial institution amounted to 110.3 billion rubles. Since the beginning of 2018, its volume has grown by 22.1%. The main share in the loan portfolio falls on loans to individuals - 62.0%. The loan portfolio is predominantly long-term, with a predominance of maturities over three years. Over the analyzed period, the level of overdue debt on the total portfolio decreased from 13.5% to 7.7%. The level of provisioning also decreased, however, it covers the delay with a margin, amounting to 12.3% as of the reporting date (at the beginning of 2018 - 20.0%). As of the reporting date, the property pledged as collateral for loans fully covered the size of the loan portfolio.
A credit institution regularly performs operations in the interbank lending market, while occupying the position of a net creditor. The placement turnover since the beginning of 2018 ranged from 11 billion to 81 billion rubles. In the foreign exchange market, activity is also regular and noticeably higher; since the beginning of 2018, the turnover on conversion operations has been on average at the level of 300-500 billion rubles.
According to RAS reporting data, in January-October 2018, the credit institution received a net profit of 431.9 million rubles, which is almost half as much as in the same period in 2017. For the whole of 2017, net profit reached 1.2 billion rubles.
Board of Directors: Husnu Mustafa Ozyegin (Chairman), Enver Murat Bashbay, Mehmet Güleşci, Faik Onur Umut, Ilkorur Korkmaz.
Management Board: Behcet Haluk Aydinoglu (Chairman), Asad Verdiyev, Anna Zhludova (Chief Accountant), Nina Zubareva, Emin Jandan.
* FIBA Group was founded in 1987 by Hysnu Ozyegin and is controlled by the founder's family. FIBA Group includes subsidiary banks, investment, factoring and leasing companies operating in Turkey, Switzerland, Holland, Germany, Belgium, Malta, Romania, Ukraine, UAE and China. In addition to the financial sector, the group has significant interests in retail chains and real estate development, as well as in aviation, real estate, energy, shipping construction, tourism and other areas.
An important task of the FIBA Group is the formation and development of fundamental values within society that contribute to improving the quality of human life through education. In accordance with this goal, the group cooperates with the Foundation for Mother and Child (AÇEV), has its own foundation named after Hysnu Özyegin and the University of Özyegin.
The structure of the group includes 66 companies, the number of employees was about 12 thousand people. According to the latest available data, the total assets of the FIBA Group amounted to 17.2 billion US dollars (more than half of which are invested outside of Turkey), the group's equity was about 1.9 billion US dollars.
