One of reliable financial commercial institutions formed in 1995, known in the Russian financial market as a "Must-Bank."Revoke the license it or not, we shall understand further, but for now start with history.
main partner institutions are private investors and small entrepreneurs, small and medium-sized businesses.One of the activities developed in favor maintenance of individual entrepreneurs.In general, the financial institution offers a full range of banking services as a fully meet the needs of individuals, and correspond to the interests of entrepreneurs.There are a number of specific products.
wide range of services
Department, "Mast-Bank" in Moscow - this is not the only representative of a financial institution.At the disposal of the bank's customers have branches outside the capital, additional offices, operating cash desks and ATMs.Among the basic services of business can distinguish remittances and loans, deposit program and registration cards.It is these capabilities customers respond in the best way.
As the country's major banks, "Mast-Bank" has its own online service.Since 2005, the financial institution is an official participant of the deposit insurance system (DIS).This opens up possibilities in terms of dealer and broker services.Available securities management and activities related to the encrypted information.Clients say convenient and flexible scheme of partnership, as well as the availability of a wide range of banking proposals.
rating agency
According to many rating agencies estimate the reliability of the country's "Mast-Bank" is relatively high.In the early stages of the establishment had a high credit rating - at the level of A, in late 2014, this rating was downgraded to B ++, which is also an indicator of the reliability of a worthy institution.Forecasts agency previously defined it as a commercial venture to develop, today it has given the status of a stable.
prestigious membership
member of the Moscow Interbank Stock Exchange, a member of the Association of Russian Banks, the authorized representative of such payment systems as MasterCard Worldwide and VISA International - all this "Mast-Bank".Revoke the license of the institution?Fortunately, this erroneous information given to the financial institution, they have nothing to do.Enterprise how to work, and work is included in the financial community interbank communication type.Moreover, the establishment of a partner such money transfer systems as "Unistream" and Contact, Migom and Western Union.
where to start temporary difficulties?
Talk about what a financial institution "Mast-Bank" withdrew the license, started from the fact that in late 2014 to 16 December 17 were conducted to verify the operational activities of its activities.From official sources it became known that the Interior Ministry and Federal Security Service checked the bank, as he was suspected of involvement in the illegal theft of funds from the budget.December 16 representatives of the competent authorities fully seized all servers in a financial institution, where all the information has been copied.
panic rose from the criminal case of embezzlement in the construction of an oceanarium on the island of Russian, which is engaged in management of the construction of the Far Eastern Federal District, and the construction of the Russian bridge over the Eastern Bosphorus Strait, which has been entrusted to the NGO "Mostovik".Andrew Poplawski and Oleg SHishov, managers of construction companies, were detained by the TFR, they are also considered clients of the bank.
Unjustified panic
In the period from 16 to 17 December, on the background of the general crisis and the sharp rise in the dollar started to panic among depositors.The main office was not working one day, and investors and partner banks have begun to actively withdraw their funds.The bank said though that the financial institution does not work due to lack of electricity, but it does not play a big role.As a result, formed long queues and high flow applications has led to some overlap in the work.
rumors spread that the financial institution "Mast-Bank" withdrew the license, and that the bank is trying to take on the interbank market for a large sum of funds in rubles under 30% per annum.Both statements in the near future were refuted.The city printed media announced that the withdrawal of the license to only a few days, as the CBR bank loses the right to offer services in the domestic financial market due to the illegal transfer of budget funds to foreign organizations.
it will all end?
situation was fully resolved for 29 December, when the representatives of the competent authorities have declared that they have no complaints about the activities of the organization "Mast-Bank".Reviews of the bank is at this time began to appear negative.According to the documentation which has been withdrawn from the organization, it is no loan at 30% per annum did not ask any difficulties it has with partner banks did not arise.Resentment have been linked to the fact that the financial institution could not pay dollar-denominated deposits.As an alternative, he proposed the removal of foreign currency deposits in rubles.
situation at the national financial market, when dozens of banks simply refused to fulfill their obligations and filed for bankruptcy, makes it clear that the work of the Institute (at the interest rate of the Central Bank of the Russian Federation 17%) remained at a high level, evennot perfect.Authorized representatives of the bank have confirmed that in the period from 17 to 22 December offices of CB "Mast-Bank" were really overwhelmed by customers.The cause of the phenomenon were not the temporary difficulties and suspicions of the government, and a sharp jump in the ruble and the desperate attempts of investors to keep at least part of their savings.At peak times the work was carried out in the normal mode as much as possible.
incredibly advantageous offer
Starting from December 2014 to March 2015, despite the ambiguous situation, "Mast-Bank" increased volume of deposits by almost 43%.The total investment was 15.4 individuals billion.This figure includes a financial report agencies.Nearly 3.5 billion rubles increased private deposits with duration from 91 to 180 days.The situation was the reason for that was recorded at a higher organization "Mast-Bank" rating (reference to the official website of the institution).The reason was the high tide of funds interest rate at 22%.
favorable loans
After investigation, all the bank's services were resumed.Good reviews on partnership with financial institutions, borrowers are left.According to them, the partnership scheme is very flexible.Depending on the loan programs available interest rate of 23% to 33%.The term loan is from 36 to 42 months.The maximum available size of the consumer credit corresponds to 250 thousand rubles.For entrepreneurs and business are unique programs.
restrictions by the Central Bank, or how the government regulates the inflow of deposits
Due to the large influx of funds the Central Bank imposed a moratorium on the activity of a financial institution.Banks are prohibited from accepting new deposits and to replenish existing ones.This preventive measure is temporary.Limitation entered into force on 17 April and the date of its expiry planned for the end of May.
The official website of the Central Bank of the Russian Federation have a prescription that currently the financial institution has a valid license.At the same time, we note that for each of the contracts today operates automatically extended under the same terms and conditions of partnership.
According to official figures for April 1, 2015 the volume of net assets amounted to 24.17 billion rubles.This indicator gave the bank 159 positions in Russia.The capital is 3.2 billion.This index is calculated by the CBR.The loan portfolio is 16.36 billion dollars.The amount of obligations to the population corresponds to 15.38 billion.As a result of the above, it may be noted good performance, which has a "Mast-Bank".Deposits, loans, reviews of which set up a partnership, continue to attract consumers.Talk about what will happen after the lifting of the moratorium to the bank, not yet.It remains to wait for the end of May and to monitor further developments.
