Oleg Zolkin Biography

The high involvement of JSC “Intercooppbank” in such activities in the context of repeated use by the supervisory authority of measures aimed at suppressing it testified to the absence of the intentions of the management and owners of the bank to carry out measures to normalize its activities. The decision of the Bank of Russia was adopted in connection with the failure to fulfill federal laws governing banking activities, and regulatory acts of the Bank of Russia, repeatedly violation within one year of the requirements provided for in Article 7 with the exception of paragraph 3 of Article 7 of the Federal Law “Opposition to Lipping the Laughter of Criminal Reminals and the Financing of Terrorism”, as well as the requirements of the regulatory acts of the Bank of Russia issued by the Bank of Russia issued In accordance with the specified federal law, taking into account the repeated application within one year of measures provided for by the Federal Law “O Central Bank of the Russian Federation to the Bank of Russia”.

Banki certificate. Key areas of activity are cash registers of corporate customers, foreign exchange and conversion operations, the placement of free liquidity at the deposit in the Central Bank, money transfers and payments through their own payment system. Active operations are financed by client funds and their own capital. The purpose of the creation was primarily the provision of banking services to consumer cooperation enterprises, and later the bank was focused on comprehensive maintenance of urban infrastructure, trade, transport, education, utilities, as well as residents of the city.

Since January, he carried out his activities in the form of AO. Since February, the financial institution has been a member of the compulsory insurance system of deposits of individuals. The latter is also the director of the British Bar Association “Brit”. The bank’s network is represented by the head office, one additional and four operating rooms, all except the head, are located in the Armada furniture center, as well as three operating rooms outside the cash register.

All divisions are located and operate in Moscow. The list of personnel for July 1 - a man a year earlier - a person. A credit institution does not have its own network of ATMs and terminals, but offers its customers to use ATMs and issues of issuing cash partner banks. Since the year, the bank’s activities have been focused on active development in the retail business segment.

The key direction in this area is the money transfers and payments of individuals, including through its own payment system of the Interexpress Bank, the bank was registered as an operator of the payment system in April of the year. At the moment, Interexpress unites more banks and more service providers in Russia, the CIS, as well as in the far abroad. Among other services and products of the bank for private individuals - opening and maintaining accounts, a line of deposits, consumer and car loans, Master Card and Visa plastic cards, as well as Interexpress, remote banking, rental of safe.

The following services and products are available to legal entities: settlement and cash services, conversion operations, lending and financing, documentary operations, guarantees and guarantees, remote banking services, salary projects, acquiring, and paying services. In the passive part for the specified period, the main reduction was on the remains of corporate clients on the current accounts; An equally significant decrease was observed on the accounts of incomplete settlements with payment infrastructure services and money transfer operators.

It is worth adding that in recent years, in recent years, the bank’s business has significantly “compressed” in volumes. So, in the first half of the year, the volume of the Finin Institute exceeded the mark of 1 billion rubles. The activity of the bank’s customer base in the year has significantly reduced: monthly turnover in the accounts of organizations and enterprises are at the level of - million rubles, although a year earlier they amounted to 1-2 billion rubles.

The client activity of individuals and individual entrepreneurs on average is at the level of 25-45 million rubles. In recent years, the bank regularly and actively places a significant part of its assets on deposit in the Central Bank. Since the beginning of the year, monthly turnover on this tool amounted to 3-5 billion rubles. In commercial banks, the Fininum Institute almost does not place liquidity, as it does not attract it in the form of MBK.

At the same time, retail loans have almost doubled, although their share in the assets remains insignificant. The volume of foreign exchange and conversion operations of the bank remains quite high, the monthly turnover in this direction from the beginning of the year have been in the range of 0.8-1.6 billion rubles. In January-July of the year, a credit institution suffered a loss of 10.9 million rubles in RAS against profit for the same period of the year of 2.2 million rubles.It should be noted that operating expenses of the bank maintenance of personnel, rent, etc.

exceed its income from main activities, almost half of which forms speculative profit from operations with foreign currency.