Probusinessbank: login to your personal account. Where to pay Probusinessbank loans: new details. Hotline Revocation of license: what are the reasons

11.03.2022

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

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

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

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

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

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

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

Among the clients of Probusinessbank at various times, such organizations as Moscow Coffee House on Shares CJSC, Izhora Plants OJSC, Bogorodsky Delicatessen PJSC, United Aircraft Manufacturing Company OJSC, Shipbuilding Plant Volga OJSC, Metalservice OJSC were noticed " and etc.

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

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

The newly raised funds were mostly used for settlements on securities, settlements on conversion transactions, as well as settlements on letters of credit, due to which the bank’s other assets increased almost fivefold, or by 37.9 billion rubles. There was also an increase in the securities portfolio (+10.9%, or +4.6 billion rubles) due to investments in bonds. The bank's fixed assets and intangible assets increased by 1 billion rubles, or one and a half times. Investments in the capital of other organizations increased by 1.1 billion rubles, or 41.5%. The bank's activity in the interbank lending market as a net lender also increased by 11.2%, or by 874.3 million rubles.

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

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

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

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

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

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

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

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

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

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

OJSC "Joint-stock commercial bank "Probusinessbank"" (JSC JSCB "Probusinessbank") is a Russian commercial bank operating in the market of financial and credit services in the Russian Federation in 1993-2015. The bank was established in 1993. In 2004, he acquired the Express-Volga and National Savings Bank banks. In December 2006, the bank acquired Ivanovo Regional Bank (100% of shares). In 2003, on the basis of OJSC JSCB Probusinessbank, which united 8 banks and several companies: Probusinessbank (Moscow), Bank "" (Moscow), (Ekaterinburg), (Saratov), National Savings Bank (Ivanovo), (Kaluga ), Bank "" (Samara), factoring company "Life" and "Probusiness-Development", and in 2014-2015 - OJSC CB "Solidarity".

As of March 2015, the main beneficiaries of the bank were Sergei Leontiev (41.5%), who controls the bank through the Cypriot company Alivikt Holdings, who is the president and chairman of the board of directors of Probusinessbank, and the chairman of the bank’s board of directors (11.44%). Senior Vice President of JSCB Probusinessbank Eduard Panteleev, through Rodina LLC, owned a stake of 5.43% of the shares. British citizen Blake Klein owned 7.22%. Through the East Capital fund, Swedish citizen Peter Elam Hakasson owned 7.17%, Lithuanian citizen Kestutis Sasnauskas - 3.14% of the shares. Minority shareholders owning the bank through Cayman Islands-registered investment funds Blue Crest Emerging Markets Master Fund and Argo Special Situations Fund accounted for 14.44% of the bank's shares.

The Probusinessbank network was represented by the head office in Moscow, 230 additional offices and one operating cash desk outside the cash desk. The number of employees of the organization as of January 1, 2015 was 5,057 people. At the end of 2014, the bank received a net profit of 1.8 billion rubles (mainly due to transactions with foreign currency). In 2013, the bank's net profit amounted to 826.7 million rubles. In 2012, the bank received a net profit of 1 billion rubles. As of 2014, the Life Financial Group was in the TOP-30 Russian banking groups in terms of total assets, in the TOP-20 Russian banks in terms of the volume of attracted deposits from individuals and in the TOP-5 largest small business lenders, as well as in the top ten most “card” Russian banks.

On August 12, 2015, the Central Bank of the Russian Federation revoked the license of OJSC JSCB Probusinessbank. According to the regulator, " due to the credit institution’s failure to comply with federal laws regulating banking activities, as well as regulations of the Bank of Russia, the value of all equity (capital) adequacy standards is below 2 percent". The remaining banks of the group were transferred for rehabilitation under the leadership of the DIA, which led to the collapse of the Life Financial Group.

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

An integral part of servicing individuals and legal entities in Probusinessbank is the online banking of the same name “Probusinessbank Online”. Remote banking services are designed to provide control over the client’s funds via a computer or other smartphone with the Android and iOS operating systems.

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

Online banking options:

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

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

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

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

To familiarize yourself with the capabilities of your personal account for individual entrepreneurs and legal entities, clients can use the demo version of the system at https://ibank.prbb.ru/ibrs_demo/iclient/index.html. Login to the demo version is automatic and does not require prior registration.

Registration of Probusinessbank personal account

On the official Probusinessbank portal, clients can self-register and create an account for subsequent login.

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

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

Recovering the Probusinessbank personal account password

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

Download Probusinessbank mobile application

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

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

Application for individuals:

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

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

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

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

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

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