United Credit Bureau. PJSC "United Credit Bank OKB and the media
The bank was founded at the end of 1990 in the form of a unit bank under the name "Oksky" in the Nizhny Novgorod region. In the first half of 1998 it was transformed into a closed joint stock company. Throughout its history, the financial institution has changed owners more than once, among which it is worth noting OOO KB Gazenergoprombank, OAO Nizhegorodoblgaz, individuals Vladimir Yuritsyn and Yuri Salyatov. Until the end of 2009, the blocking stake in the bank was controlled by business partners Aleksey Alyakin and Aleksey Rashchupkin (both finally left the shareholders in the second half of 2010). In the same 2009, the head office of the credit institution moved from Dzerzhinsk, Nizhny Novgorod Region to the city of Aleksandrov, Vladimir Region, where a branch of the bank had been operating since 2006. In mid-2010, Dmitry Agramakov with a minority stake in the authorized capital joined the bank's affiliates. By May 2011, Dmitry Agramakov's share increased to 41.83%, but later did not exceed 30%.
In July 2013, the press service of the Ministry of Internal Affairs announced the disclosure of a large underground group of bankers engaged in illegal cashing of funds. According to the Vedomosti newspaper, the list of the main banks that took part in the cashing scheme included Mast-Bank, Intercapital and Oksky Bank. Alexey Alyakin at various times acted as a minority shareholder in all three banks. In turn, Dmitry Agramakov was a member of the board of directors of Mast-Bank and was a shareholder of Intercapital. A month after the news appeared, Oksky Bank reported on its website that Dmitry Agramakov (who was then a suspect in the case of underground bankers) had sold his entire stake in Oksky Bank. Mr. Agramakov also left the board of directors of Mast-Bank.
In March 2014, Oksky Bank changed its name to United Credit Bank OJSC (abbreviated as O. K. Bank OJSC). In April of the same year, the bank changed its chairman of the board, Vyacheslav Zabotin, one of the three largest shareholders of the bank, became him. In February 2015, the bank's head office moved from the Vladimir region to the city of Yaroslavl.
In 2014, the bank was brought to administrative responsibility three times for failure to comply with the requirements of the legislation on combating the legalization (laundering) of proceeds from crime and the financing of terrorism and was fined once.
From March to June 2017, the composition of the shareholders of United Credit Bank underwent significant changes: in just three months, a third of the shareholders in the credit institution changed. On May 30, 2017, the head of the credit institution Vyacheslav Zabotin reduced his stake from 19.9% to 9.9%. At the same time, Lyubov Yakubovich became a shareholder with an almost 10% stake. Earlier, in mid-April, Elena Kavryzhenko completely sold her share (9.99%) and acquired the same share in the bank Diana Lutovinova. A month earlier, in mid-March, Vladimir Lednev sold his 9.94% stake. At the same time, Irina Shakhrai had a similar share.
As a result, according to the latest available data as of June 5, 2017, the two shareholders with the maximum shares (19.86% and 19.90%) in the bank's capital are two members of the bank's board of directors - Ivan Korotin and Sergey Trubnikov, respectively. A 9.91% stake in the credit institution also belongs to its chairman of the board, Vyacheslav Zabotin. In addition, shares close in size (9.94% each) are held by the chairman of the board of directors of the bank Alexander Mikhalchuk and Irina Shakhrai. Another 10.1% of the organization belongs to Airat Absalyamov, 9.99% each - from Lyubov Yakubovich and Diana Lutovinova.
The bank's head office is located in Yaroslavl. In addition to it, the network of divisions includes two operational offices and one operational cash desk outside the cash center in Moscow, one operational office in Aleksandrov (Vladimir region) and a branch in Dzerzhinsk (Nizhny Novgorod region). The average number of bank employees during 2016-2017 was 186 employees. Its own ATM network is not developed.
In the offices of the financial institution, private clients are offered loans (consumer, mortgage, car loans and credit cards), deposits, bank cards of MasterCard and Visa systems, money transfers (including through the systems "Leader", Contact, Western Union and "Zolotaya Korona"), payment of utility bills and other payments, currency exchange and individual safes.
Settlement and cash services, loans and bank guarantees, salary projects, foreign exchange transactions, merchant acquiring, cash collection and safe deposit boxes are available to corporate clients and individual entrepreneurs. Remote Internet banking services are also offered to both legal entities and individuals.
Among the bank's clients, such enterprises of the Vladimir Region as OJSC Avtobaza No. 3 and OJSC Iskra were previously noted. The main borrowers of the bank in terms of corporate lending today are representatives of small and medium-sized businesses operating in such segments as trade, construction, real estate transactions, etc. companies and enterprises of trade and transport.
According to the results of the first nine months of 2017, the assets of the credit institution showed insignificant growth (+ 3.3%) and amounted to 16.0 billion rubles as of October 1. During the specified period, attracted interbank loans (+ 81.1%) showed significant growth in liabilities, as well as funds from enterprises and organizations. The increase in these liabilities made it possible to compensate for the reduction in capital (-10.1%) and a small outflow of deposits from individuals (-6.1%). In the assets, despite the insignificant dynamics over the period under study, noticeable structural changes were also noted. The growth of loans to individuals (+445.6 million rubles, or + 13.4%) compensated for the decrease in the loan portfolio of legal entities (-321.5 million rubles, or -17.5%). In turn, a slight increase in the securities portfolio (+566.9 million rubles) and an increase of almost seven times in fixed assets (+244.4 million rubles) occurred simultaneously with a decrease in items of other assets by more than a third (-483.8 million rubles).
More than 60% of the credit institution's liabilities were formed by client funds with a predominance of deposits from individuals (38.2% of liabilities, mainly deposits with maturities from one to three years). Funds from corporate clients (a quarter of liabilities) are mainly represented by deposits with maturities from three to six months and subordinated loans. The attracted interbank loans, represented by short loans from Russian banks, account for 12.3% of liabilities. The rest of the loans is represented by equity capital, the adequacy of which, in accordance with the N1.0 ratio, exceeded 13% (with a minimum level of 8%). The capital includes a subordinated loan in the amount of RUB 1.1 billion at residual value. The capital adequacy ratio (N1.2), which does not include the subordinated loan, is 9.1% with a minimum of 6.0%.
The bank's client base is small, but quite stable, the monthly turnover on the accounts of the client base on average since the beginning of 2017 amounted to 2.0-2.5 billion rubles.
As of October 1, 2017, the structure of assets is dominated by a portfolio of securities with a share of 54.4%. The loan portfolio accounts for a third of assets, highly liquid assets account for 5.6%, fixed assets and other assets - 4.9%.
Securities portfolio - 8.7 billion rubles. Two thirds of the portfolio is represented by bonds repurchased at the reporting date. Another third is mainly formed by bonds of Russian companies (Russian Railways OJSC, Transbaltstroy LLC, Rosneft Oil Company PJSC and other issuers, according to the explanatory information to the bank's statements as of October 1, 2017). Trading activity in the portfolio is traditionally very high, the main volume of transactions falls on Eurobonds, with which the bank carries out REPO transactions. Over the past months, the turnover on REPO transactions amounted to 27-41 billion rubles.
The loan portfolio is 5.3 billion rubles, 72% is represented by retail lending, although at the beginning of 2016 loans to legal entities exceeded retail loans in volume. The share of overdue debt has slightly increased since the beginning of 2017 - from 4.3% to 5.1%. The provisioning level increased accordingly and more than doubled overdue payments, amounting to 11.5%. Traditionally, there is a rather low security of loans with property pledge (28.0% of the portfolio). The bulk of loans to enterprises and organizations were issued for periods ranging from six months to one year, while retail loans were provided mainly for periods of more than three years.
In the interbank lending market, the bank in most cases acts as a net borrower. Until mid-2016, it attracted the lack of liquidity mainly from the Central Bank of the Russian Federation through repo transactions; since mid-2016, commercial banks have been the main lenders.
The Bank maintains high activity in the foreign exchange market. Since the beginning of 2017, the turnover on conversion operations averaged 30-70 billion rubles per month.
Following the results of the first nine months of 2017, the bank slightly reduced its loss compared to the same period in 2016 - 96.1 million and 128.6 million rubles, respectively. Net profit for the entire 2016 amounted to RUB 58.8 million.
Board of Directors: Alexander Mikhalchuk (chairman), Ivan Korotin, Sergey Trubnikov, Vadim Goncharov, Sergey Berezovsky, Pavel Yakubovich.
Governing body: Amiran Akhmetshin (acting chairman), Elena Steksova, Nikolay Polunin.
OKB is one of the five leaders in terms of the number of stored credit histories in the country. The organization has been operating since 2004. Its repository contains over 260 million credit records owned by 70 million borrowers. The client list includes over six hundred lenders, insurance dealerships and mobile operators. The main shareholder and provider of credit information of OKB is the country's leading bank, Sberbank of Russia.
OKB activities
OKB collects, processes and keeps all information related to loans of borrowers. To check the presence or absence, as well as the state of the credit history in the OKB, you need to request a certificate from the Central Institute of Research and Development. The Joint Bureau regularly publishes statistical and analytical reports on various aspects of lending, for example:
- list of credit-active regions of the Russian Federation;
- coverage of the population with retail loans;
- overdue debts in different years, etc.
OKB provides corporate clients with online services for coordinating loan portfolios and preventing credit fraud in financial institutions, scoring tools, etc.
Example of OKB statistics: graph of changes in the number of credit histories
Unique database of OKB
If you have active or closed debt in a "green" bank, there is a high probability that your credit history will be in the OKB. It is in the OKB that complete information about the credit histories of former and current debtors of Sberbank is found. For reference, this is 40% of all loans issued in Russia. OKB significantly increased its base, having received over 12 million data on loans to individuals from Alfa-Bank in 2013.
History of the formation of the OKB
United Credit Bureau was formed as a result of the alliance of two credit bureaus: Experian-Interfax and Infocredit.
Merging stages:
2009 - purchase by Sberbank of a controlling stake in Ekspirian-Interfax;
2010 - combination of borrowers' financial data stored in Infocredit and Experian-Interfax;
2011 - Renaming Experian-Interfax into the United Credit Bureau;
2012 - liquidation of Infocredit.
OKB and TsKKI
OKB cooperates with TsKKI. CCCI possesses data on CHBs, which store the credit histories of borrowers. If you need to find out in which CHBs your loan information is stored,.
OKB and the media
Many media outlets use OKB data to inform the population about the "credit health" of the entire country and individual regions. So, thanks to the OBK, we can find out how many percent the number of mortgages has grown in comparison with last year, or what percentage of borrowers take new loans to repay old ones (in 2016, there were more than 50% of them).
How can an individual get a credit report from the OKB
Online
Use the online service where you can request your credit history from the United Credit Bureau. At the same time, it is possible to log in using the State Services portal or an account with Sberbank.
In the office in person
You need to come with an identity document to the office of the company at the address: Moscow, second Kazachiy lane, house 11, building 1.
PJSC "OK Bank" was founded in 1990.
The priority task of the Bank is to provide a simple, convenient and high-quality service to each of our clients.
The bank has all the licenses required to carry out banking activities, and is also a member of the State Deposit Insurance System.
The bank is actively developing and since the beginning of 2011 the bank's assets have increased more than five times, the bank's capital has increased four times, the loan portfolio - more than four times.
The bank serves clients in Moscow, Aleksandrov and Dzerzhinsk. The number of the bank's clients - individuals and legal entities - has increased several times
Due to the dynamic growth and development of the Bank, the staff is actively expanding. The bank employs young, motivated top-level specialists.
The Bank is constantly developing relations with legal entities, focusing on promising and long-term relationships, offering a full range of services for companies and individual entrepreneurs from opening a current account to salary projects and merchant acquiring.
The Bank is constantly introducing new technologies to improve the quality and convenience of customer service, as well as to increase the range of services provided to our Customers.