Russian Capital Bank is a large financial organization with about 140 offices and structural divisions in different regions of the country. The head office of the credit institution is registered in Moscow. The Bank positions itself as a universal credit organization, serving corporate and private clients. It is currently a subsidiary of the DIA and is fully controlled by this state corporation.
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For the first time, Russian Capital Bank was registered in 1993 under the name Rokabank. During its work, the credit institution several times changed its name and legal form. Today it operates as PJSC JSCB Russian Capital.
During the banking crisis of 2008, a credit institution was faced with great financial problems and was forced to seek reorganization. It was originally planned that NRC would conduct financial recovery . But for various reasons, Russian Capital Bank had to reorganize the DIA itself. As a result, he became a subsidiary financial institution of a state corporation.
Since 2010, DIA has attached several smaller credit institutions to Russian Capital. Among them:
- Bank "Tarkhany" from the city of Penza;
- Samara Commercial Bank "Potential";
- Ellipse Bank.
Russian Capital Bank currently offers a full range of banking services for private and corporate clients. Among them: maintenance of current accounts, loans, card products, deposits and others. Actively conducted work in the mortgage market.
Deposits
Russian Capital Bank accepts deposits of individuals in rubles, dollars and euros. Depending on the chosen program and conditions, the deposit period can be from 3 to 36 months.
A distinctive feature of the conditions offered by this financial institution is higher interest rates compared to other banks, which are owned by government agencies.
Loans
For individuals, Russian Capital Bank offers various lending programs. You can get a consumer cash loan, car loans or a mortgage.
The Bank pays special attention to mortgage programs. For each category of clients, there are separate offers that allow you to purchase real estate on credit on the most favorable terms. A mortgage program with state support is available, which allows you to get low interest rates on the purchase of economy class apartments.
Customers who want to get a consumer loan are also available with several programs with various rates. The maximum loan term can be up to 15 years.
Services for legal entities
An important area of activity of Russian Capital Bank is servicing corporate clients. They offer favorable conditions for opening and maintaining a current account, acquiring and collection services, salary cards for employees, corporate lending.
Convenient financial management is provided by the created client-bank system, which allows you to carry out current operations on the account directly from the office of the company without the need to contact the office.
Customer Opinions
Russian Capital Bank receives mostly positive reviews. This is no coincidence. At the moment, this is the only credit institution with state participation offering rates on deposits and loans comparable to commercial banks. For convenient interaction between customers and a financial institution, Internet banking is available to individuals, and a banking client for organizations. Russian Capital has a wide branch network, which also positively affects the usability of services.
Many customers who have used credit services note the convenience of interacting with the bank. A large number of branches allows you to make monthly payments in a convenient place without any fees. Many also note the courtesy of employees and quick service.
Among bank depositors very often positive feedback is attracted by the attention of employees to each client. At the end of the deposit period, in most cases, a call comes from the department with a request to order funds at the end date or to select conditions for a new deposit. This is not the duty of the bank, but simply a good practice, which other near-state financial institutions, as a rule, do not differ.
Over the years, Russian Capital Bank has earned a sufficient number of positive reviews. Naturally, there are clients with complaints, but the credit institution is trying to solve problems as soon as possible.