PJSC "Moscow Credit Bank" refers to the universal financial institutions, whose work is carried out in the territory Russian Federation since 1992. The organization provides banking services in various sectors of the economy, constantly improving its programs. The main objective of the MKB is to develop a personal infrastructure, expand the customer base and assign international qualifications to employees.

MKB clients can take advantage of various loan programs, become bank depositors, etc. Employees of the organization use an individual approach to each consumer, take into account his requests, wishes and opportunities. More information about the bank can be obtained from the company's official website at www.mkb.ru/about/contacts. Here you can also find the contact details of the MKB, addresses and work schedules of branches, ATMs, terminals, operating cash desks. As well as the details of the Moscow Credit Bank.

Contacts

For MKB clients, there are several multi-channel lines that can be used to contact bank employees, depending on the presence of a specific problem and the category of client. There are currently six divisions:

• for individuals;
• for business;
• for holders plastic cards;
• Technical support service for Internet banking systems;
• Payment terminal support service;
• Acquiring technical support service.

The work of contact centers is carried out around the clock, seven days a week and holidays. An exception is the technical support of Internet banking for organizations. There are certain hours of activity here: Monday to Thursday from 9 am to 6 pm, Friday from 9 am to 4:45 pm.

Residents of the capital and the region can call the specified phone numbers for free. If you need to make a call to the customer support hotline from other regions of Russia, you need to choose numbers that start with 8800 ... Individuals can call 8-800-100-4-888, legal entities and individual entrepreneurs - 8-800 -200-34-74.

Addresses and work schedules of ICD departments

You can also find out the address and opening hours of a specific branch, ATM, terminal or operating cash desk of Moscow Credit Bank on the official website. To do this, go to the "Branches and ATMs" section. A page will open where all the information about the mode of their activity is located. In addition, in each section, you can mark the necessary parameters. For example, in the section "Departments" you can select:

• Private individuals;
• Legal entities;
• Rental of safes.

On the left side there is a search bar where you can enter a specific address. After that, its location and the nearest branches of Moscow Credit Bank OJSC will be displayed on the city map, there is also a metro map.

The main office of the MKB is located at the address Moscow, Lukov per., 2, building 1, it works daily, without lunch and days off. All ATMs of the organization operate 24 hours a day, seven days a week.

Requisites

All information about the bank details can be found on the official page, in the "About the Bank" section. It contains information about the full name of the organization, abbreviated name, correspondent account. It also provides data on:

• BIC 044525659;
• TIN 7734202860;
• KPP, OKPO, OKVED, OGRN, etc.

Location of the central office and its postal address, telephone, fax, telex, address Email and internet site. In addition, the registration number of the Bank is presented.

Based on the above facts, we can conclude that all contact information can be found on the bank's website.

Moscow Credit Bank has been operating in the financial market since 1992 and is a universal commercial organization providing a full range of services. A special information and technical support department was created to serve corporate and private clients. The specialists of such a contact center are ready to assist and provide any information around the clock without breaks and weekends.

How to call Moscow Credit Bank

There are several ICD support phones:

1. Free phone 8-800-100-48-88 for calls from fixed and mobile numbers.
2. Hotline for bank card holders +7-495-797-42-11.
3. Round-the-clock Internet banking support +7-495-988-14-44.
4. International phone +7-495-77-48-88 for calls from abroad.
5. Communication with ATM and terminal support service +7-495-741-08-10.

When calling the toll-free number of the ICD info center, you will need to listen to the voice menu of the autoinformer. This menu contains all relevant information about existing bank services and answers to frequently asked questions. If your question is non-standard, you will be asked to wait to be connected to a contact center worker.

Online connection with the support service of the Moscow Credit Bank

If all the call center operators are busy or you do not have the opportunity to call the hotline, you can always use the support on the ICD website:

1. A callback is ordered after the client fills out the feedback form on the site.

A call from a specialist will be received on the day of your application from 9.00 to 21.00 or the next day if the application was received later than the specified time.

1. You can use the feedback form for any problem or question:

• Go to the official website of the Moscow Credit Bank;
• Open the section for feedback from the support service;
• In a special form, fill in all the fields with personal data;
• Specify the type and subject of the appeal;
• Write your name, mobile phone and email address;
• Indicate how you need to provide a response to your appeal;
• In the appropriate field, describe the essence of your problem in as much detail as possible;
• Specify the numeric code from the image;
• Familiarize yourself with the principles of provision confidential information bank employees;
• Confirm your consent to the use of personal data by contact center specialists;
• Submit your request for consideration.

1. In order to leave a review about the work of bank employees, you must:

• On the ICD website, go to the online help section;
• Open the feedback form;
• Indicate in the questionnaire your full name, date of birth, bank branch, reason for applying and your wishes;
• Mark the date of your application to the bank, as well as the full name and position of the consultant;
• Leave your contact phone number and email address;
• If necessary, you can add a photo;
• Confirm your consent to the processing of data and send the request.

1. An application to exclude your number from the number of debtors can be filled out in the appropriate section on the website:

• Indicating your full name, address of registration and actual residence, telephone number and number to which calls about the debt are received;
• Enter your email address and the reason for contacting;
• If the calls are about another person, let them know if you know the person and how they can be contacted;
• Upload documents proving that your number belongs to you, as well as copies of your passport;
• Confirm your consent to the processing of data and submit a request.

Moscow Credit Bank was established in 1992 and already in 1994 was acquired by the structures of Roman Avdeev. In July 2012, the European Bank for Reconstruction and Development (Great Britain) and the International Finance Corporation (USA) as a result of an additional issue of MKB shares received 7.5% each in the authorized capital credit institution, and the share of Roman Avdeev, who controls the bank through the diversified concern Rossium, decreased to 85%. Since 2004, the bank has been a member of the deposit insurance system. In November 2015, MKB closed the acquisition of NPO Inkakhran JSC, represented in 22 regions of the Russian Federation, including Moscow and the Moscow Region.

One of the most important events for the bank in 2015 was the first public offering of shares. In June 2015, the bank placed its shares on the Moscow Exchange as part of an initial public offering (IPO). As a result of the IPO, the amount of capital raised, based on the set price of 3.62 rubles per share, amounted to 13.2 billion rubles. In December 2015, the bank entered the Moscow Exchange for the second time, placing an additional issue of shares at a price of 3.67 rubles per share. As part of the SPO, the total volume of funds raised amounted to RUB 16.5 billion. As a result of two transactions, the share of new minority shareholders exceeded 34% of the bank's authorized capital.

In August 2016, it became known that Credit Bank of Moscow closed the deal to acquire Savings and Credit Service Bank. The asset was acquired in order to expand business in the financial markets and develop a new direction - investment banking.

At the moment, the majority shareholder of the bank is Roman Avdeev, who controls 56.07% of the shares through Rossium Concern LLC. The European Bank for Reconstruction and Development owns a 4.01% stake. Investment company"Region" and related individuals and structures control a total of 12.88%. The share of a group of persons controlled by Sergey Kobzev owns 9.43%. Minority shareholders, through the nominal holder of NCO NSD JSC, own another 17.59% of the bank's shares.

The bank's business and network of divisions are concentrated in the Moscow region. General territorial network as of July 1, 2018, it had 102 branches and 26 operating cash desks. In July, the bank opened 28 offices in 16 Russian regions (including St. Petersburg, Voronezh, Arkhangelsk, Yaroslavl, Kaliningrad, Murmansk, Lipetsk, Tver) on the basis of the former branches of Sovetsky Bank (after the revocation of the license of the latter in early July 2018 year, its obligations to private investors were transferred to the MKB). 1,100 ATMs and 6,400 payment terminals have been installed for clients of the credit institution. The network of ATMs of partner banks today includes devices from Alfa-Bank, UniCredit Bank and Raiffeisenbank. The number of employees of the MKB banking group, according to the presentation of the bank, as of October 2018 was 8.7 thousand employees.

The main activity of the bank is corporate business which accounts for more than 90% of the total loan portfolio. The number of corporate clients on complex services at MKB includes companies representing such industries as oil and gas, petrochemical, finance, retail, production and sale of food products, metallurgy, aluminum production, telecommunications, etc. In a presentation for investors for October 2018, the bank noted , which focuses on increasing the share of large companies in the portfolio, including exporters.

Historically, the bank also works with large Moscow wholesale and retail trading companies, which, due to the intensive use of cash Money in their business resort to bank collection services. MCB also serves the needs for collection services of other clients and banks, being one of the leaders in this market. At the end of the first half of 2018, the bank served 3,700 clients and 174 credit institutions in this area.

Since 2003, the bank has been successfully implementing international activities and actively cooperates with international financial institutions to finance target projects. In particular, in 2018, the bank placed Eurobonds (in February) for USD 500 million with a coupon of 5.55% per annum and maturity in February 2023, and also attracted a syndicated loan (in March) from European, American, Middle Eastern and Asian banks in the amount of USD 400 million maturing in one year.

Avtodom, ALROSA, Russian Helicopters, Veropharm, DSK Avtobank, New Polymer Plant Senezh, Lebedyansky Sugar Refinery, Mosgaz, Sogaz were noticed among the bank's corporate clients in different periods. , Megafon, M. Video, Eldorado, Euroset, ION digital center, SportMaster, TsentrObuv, Kopeyka, Magnolia, L’Etoile, Ile De Beaute, Formula Kino, MTS communication stores, X5 Group stores, Burger King fast food restaurants and other companies. In 2018, Mobilidy LLC (distributor of TM Xiaomi), STLC were mentioned among the bank's borrowers.

Previously, MKB owned its own leasing group of companies MKB-Leasing, but in June 2018 the bank sold it for 1.6 billion rubles to the Region group of companies.

According to the presentation for October 2018, the bank served more than 15 thousand active corporate clients and more than 1.4 million retail clients. In the retail direction, the bank is focused on non-purpose loans, which form 73.2% of the total loan portfolio. A significant share of 22.5% falls on car loans.

In general, the bank's services for corporate clients include overdraft loans, loans against collectible proceeds, financing of foreign trade transactions, factoring services, acquiring, cash settlement and collection. Private individuals have access to general purpose loans, mortgages, car loans, credit cards, deposits, cash settlement services, individual service programs, etc.

In January - August 2018, the volume of the bank's net assets showed an increase of 6.7% - up to 2.04 trillion rubles as of September 1, 2018. The growth of assets in the passive part was mainly funded by deposits of individuals, balances on interbank loro and own capital. The increase in these sources of liabilities at the same time allowed the bank to repay part of the debt on interbank loans (about 8%). In assets, liquidity was directed mainly to lending to corporate clients and investing in bonds. The bank also received part of the funds by repaying the portfolio of issued interbank loans (-81.2%) and reducing the volume of highly liquid balances (-20.1%).

The largest source of funding for the active operations of the bank is the funds of enterprises and organizations, which form 35.0% of liabilities as of the reporting date. About 73% of corporate clients' funds are represented by medium- and long-term deposits, another 14% are deposits with maturity up to 90 days. The borrowed interbank loans account for 27.8% of liabilities. A significant part of these funds was attracted for short periods from Russian banks, about 11% was attracted from foreign banks, including in the form of syndicated loans. Individuals' deposits account for 16.9% and are largely attracted for periods ranging from one to three years. The share of balances on loro accounts in liabilities is 1.6%, own debt obligations (mainly bonds) occupy another 1.4%. The rest of liabilities is formed by own capital. The bank's client base is large and active; turnovers on client accounts in 2018 averaged 2.0-2.5 trillion rubles monthly.

The bank's capital adequacy margin has been maintained at an excessive level in recent years and as of the reporting date exceeds 20% under the H1.0 standard (with a regulatory minimum of 8%). However, core capital adequacy (N1.2), which does not include subordinated loans, is noticeably lower and amounts to 12.4% (with a minimum of 6%), while core capital adequacy (N1.1) is at all the mark of 8.4% (with a minimum of 4.5%). The adequacy of the core capital as of the reporting date is inferior to the adequacy of the core capital due to the inclusion in the composition of the last perpetual subordinated loan in the form of an issue of Eurobonds at a residual value of 49.5 billion rubles. As of the reporting date, the bank's total capital included five more classical subordinated loans in the form of Eurobond issues with a total residual value of RUB 107.0 billion. For one of the issues (for USD 500 million), the bank had a maturity in November 2018, for the rest of the issues, the maturity dates were in 2021-2027.

Assets are dominated by the loan portfolio, which accounts for 83.3% of net assets, or 1.7 trillion rubles. During the period under review, the portfolio increased by 7.4%. In its composition, about 95% form loans to corporative clients. The level of arrears has hardly changed since the beginning of 2018 and remains quite low at 1.6%. The provisioning level is several times higher than the overdue amount and at the reporting date is 6.3% (slightly more than 6% at the beginning of 2018). Slightly more than 15% of the portfolio is secured by the pledge of property, which is an insufficient indicator of security.

One can note a good diversification of the portfolio by industry with a concentration on strong borrowers representing the oil and gas sector. Thus, according to IFRS reporting, at the end of the first half of 2018, the share of the largest segment in the form of oil refining / production and trade barely exceeded 20% of the total loan portfolio before provisions. Another 14% accounted for the production and trading of crude oil. Slightly smaller shares were occupied by such industries as construction and development, auto-, motorcycle equipment and spare parts, rental of real estate, medicines and medical goods, services, etc.

The securities portfolio formed 11% of the net assets (221.1 billion rubles), almost doubled over the analyzed period. Almost the entire portfolio is represented by bonds, of which about half were pledged under REPO transactions as of the reporting date. The remaining "free" part of the securities was mainly formed by bonds Russian companies, domestic government securities and Eurobonds. Turnovers on REPO transactions in recent months have been maintained at a high level and amounted to about 200-500 billion rubles.

Nevertheless, intra-monthly volumes of interbank funds attracted to domestic market significantly exceed the turnover on REPO transactions, which indicates the unsecured nature of funds raised by the bank in the interbank market. In particular, over the past few months, the turnover on attracting liquidity in the domestic interbank market reached the level of 2.8-4.9 trillion rubles. The Bank is an active net borrower, and the portfolio of issued interbank loans did not exceed 1% of assets as of the reporting date. The bank is also active in currency transactions and is one of the market makers of the market.

Highly liquid assets (mainly cash on hand and correspondent accounts with the Central Bank) account for 3.6% of net assets, fixed assets - 0.4%, investments in the capital of other organizations - 0.2%, other assets - 1.5%.

In January-August 2018, MKB earned 912.5 million rubles of profit under RAS (for the same period in 2017, profit amounted to 4.9 billion rubles). For the whole of 2017, net profit amounted to 13.9 billion rubles. The decrease in net profit in 2018 was largely due to losses from foreign exchange and securities, reservation costs and items of other expenses.

Supervisory Board: William Owens (Chairman), Roman Avdeev, Andrew Gazitua, Thomas Grasse, Andreas Klingen, Lord Daresbury (Peter), Sergei Menzhinsky, Ilkka Salonen, Alexei Stepanenko, Vladimir Chubar.

Governing body: Vladimir Chubar (Chairman), Svetlana Sass, Pavel Shevchuk, Mikhail Polunin, Alexei Kosyakov, Anton Virichev, Alexei Stepanenko, Kamil Yusupov, Elena Shved, Oleg Borunov, Alexander Kaznacheev.

Moscow Credit Bank today is a reliable financial institution, one of the largest players in the domestic financial market. The bank has been operating since 1992, and during this time has managed to earn the trust of thousands of customers, earn an excellent reputation.

It is feasible for the bank to provide a full range of services for private and legal entities. The financial institution offers its clients progressive and mutually beneficial universal products and services for a wide audience. On the website of the Moscow Credit Bank there is all the important information regarding deposits, consumer loans, bank payment cards.

Popular credit programs of the financial institution in question, mortgage lending, car loans, credit card. Consumer loans, as popular financial service, is provided from 19%, while the following characteristics take place: the amount of a loan is up to one and a half million rubles, without a guarantee and collateral, the possibility of obtaining funds for various purposes. The term for consideration of a client application for receiving consumer credit is up to 3 banking days, which characterizes the bank only from the favorable side. The company's progressive financial policy provides for a reduction in interest rates.

Reviews and complaints

Tatyana
30.10.2017 14:56

Good afternoon! The office at Kashirskoye Highway 106 did not accept the deposit without issuing a card, explaining this as a technical reason.

Yana
20.09.2017 09:35

Feedback on the branch network

18.07.2019 18:33 Larisa Romanova →

I didn’t even imagine that such banks exist: waiting for payment on a receipt for about an hour, even managers are poorly versed in programs. Horror.

07.02.2019 16:30 Valentine →

unsatisfactory! Especially dialing is nightmarish music and waiting for 10 minutes. Think what you are doing. Your share of information?

07.02.2019 16:28 Valentine →

I'm not satisfied. It's easier to call the president's office. So much unnecessary information is thrown into 10 minutes. Horror! Treat your contributors with respect. And take that fucking music off.

28.08.2018 17:28 Andrei →

They deceive people!!! in no case do not contact this bank!

03.08.2017 21:25 Natalia →

Working as an employee of a branch of a Moscow bank on Voykovskaya requires control by the head office, I was approved for a loan of 150,000 on a credit card. Since July 11, I have not been able to get a credit card. Bank employees use the money. I will have to go to court with a claim for abuse and misappropriation of other people's finances. I ask you to sort out the conflict without bringing it to court

22.02.2017 18:51 Nuria →