about bank surety. competence. custom-tailored approach
TRANSCRIPT
About BANKSurety. Competence. Custom-tailored approach.
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Today reversal of globalization opposed trend is coming .Customers prefer “know your
client” approach , when buying &being serviced. Convenience and simplicity of service
are more and more significant when building winning relationships between Bank and
the Client. For Bank to “catch” the client, to interact with him, to have direct and open
dialogue means to build long-term confidential relations . The Bank has to become
more friendly, clear and simple to the client.
The main advantage of RTB is that we DO have custom-tailored approach. We
constantly search for the most effective solutions for Client’s requests and are ready to
provide adequate and professional support when interacting with other financial
institutions. We are ready to hear each Client, to share His purposes and to offer the
most beneficial and productive format of communication.
The special role in RTB operating goes to shaping of a professional team, when
people have long and versatile experience in a complicate financial services segment.
RTB staff are sophisticated experts in bank &financial field.
Sergey Mikheev,
Chairman of Board
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RTB: Key Work Techniques
• True custom-tailored approachUnlike the bureaucratized state structures and the formalized form of communication with clients within western retail banks, RTB builds the individual relations with each Client. We are constantly searching for the most favorable solutions, trying to offer additional options and bonuses which make cooperation more comfortable and effective. We’ve made banking simple and convenient for each Client.
• Our financial products have unique characteristics To gain your affection on the competitive market, we offer you the best rates, optimum conditions with no hidden charges and "reefs". It ‘s enough to look at competitors’ offers advertized here or there, compare to ours and become convenienced - all is not gold that glitters.
• Each Client is supervised by Vice-PresidentWe provide supervision on Bank level of your personal interests . You personal account manager is also responsible for accomplishment of your desires. It is important to note that your supervisor is available at any time and request.
• Long-term and successful operating in bank filedRTB provides banking services over a period of 15 years. For the Russian economy it is the whole era with ups-and-downs of business cycle, significant structural changes and crises. Nevertheless, our policy of healthy conservatism allows us to operate unreceptive to economic shocks consistently developing business. This is proved by financial results of Bank, published in a free access.
• RTB provides not only ready-made solutions but face your needs thoroughly We aim to help Client to manage His private funds most effectively in order to receive the best result at present and later on. It is important for us to invest in long-term relationships for Client’s financial benefit.
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RTB Team
Natalia Gorskaya
First Deputy Chairman of the Board
Alexey Ionkin
Client Department Chief
Sergey Mikheev
Chairman of the Board
Milena Sbryikina
Chief Development Officer
Oksana Malkina
Chairman of the Board Adviser
Vadim Anufriev
Chairman of the Board Adviser
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RTB Team
Anna Sukhanova
Head of Internal Control Department
Nikita Sadov
Head of Operating Office
Anton Belov
Vice-President
Ekaterina Chizhova
Vice-President
Yanina Dmitrieva
Vice-President
Elena Kovalchuk
Head of Customer Support Service
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We Offer Full Service Banking: Core Areas
Personal management and remote banking service
Settlement and cash services in RUR
Deposits
Credit granting
Bank cards
Currency conversion
Safe deposit box
Settlement and cash services in foreign currency
Banking service abroad
Volume business
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Personal Management and Remote Service
We provide unique service to each Client. It helps to develop the most effective scheme of
cooperation. Each RTB Client is personally supervised by one of Vice-presidents of Bank who will be
your representative in Bank and who is always available for you. Besides, we provide services of the
personal manager who is carrying out function of your PA for tactical tasks (paperwork, etc.).
If it is more convenient for you to be served distant, not visiting Bank office, we are ready to provide
this service at your request. You can arrange this by phone with the personal manager. Also for your
convenience you can issue the relevant power of attorney and delegate to conduct your business to
the supervising Vice-president or the personal manager.
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Settlement and Cash Services for Individuals (in RUR)
We made every effort to simplify and comfort ordinary manipulations - account opening, money transfer,
etc. At that, surety, confidentiality and high quality of Bank services are constant.
RTB provides a full service banking for individuals. Key advantages of settlement and cash service in
RTB are not only low rates, but also convenient concept, simplicity of service, as well as:
free of charge money transfer on RTB deposit from any bank with further compensation for transferring
low cash charge (0,5% and less)
free remoter service and и economic rates for on-line dealing
standard transaction charge is 25-40 RUR for one banker order
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Deposits
The combination of RTB deposits allows to get the maximum income preserving the convenience of use
of monetary assets.
All deposit percentage are paid on monthly basis and at the request of the Client can be transferred
into deposit, capitalizing it, transferred to a plastic card, accumulated on the account with further draw,
etc.
At any time the Client can transfer the money to an account in other currency with preservation of the
saved-up interest income.
DEPOSIT «BASIC» - GOLD STANDART OF MONEY-MAKING DEPOSIT!
market rates and cash interest capitalization
unique criteria for early withdrawal of deposit, with no analogue on Russian market
lack of restrictions for addition to deposit
DEPOSIT «FRANK» - FLEXIBLE CONDITIONS FOR PRESERVING AND RAISNG PRIVATE ASSETS!
high deposit rates with no limits for assts withdrawal
free withdrawal of assets
lack of restrictions for addition to deposit
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Credit Granting
In a standard service mode all classic credit products (an overdraft on the cash card, the directed loan, the
consumer loan, etc.) are available for RTB clients.
In order You can get credit homely and handier , we offer a special service - Unified Credit Limit (UCL), which
suppose easy way of credit for privileged RTB clients.
We revise documents requested once only and define the sum of the Unified Credit Limit, which you can use at
any time, without extra time expenditure on negotiations, collecting and analyzing bulk of documents. Moreover,
within the sum of the UCL, at your wish and at your guarantee, without providing additional documents, your
relatives, friends or partners (individuals) also can use money assets.
UCL up to до 1 000 000 RUR grants without providing additional documents. For UCL exceeding 1 000 000 RUR
min package of documents is to be provided .
After defining the sum of the UCL you can freely dispose of money in any handy form.
ULC service is available for “Gold” and “ Platinum” clients.
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Bank Cards
RTB issues Master Card Int. system bank cards. Categories Maestro, Standard, Gold and Platinum are available.
We offer not only convenient and actual payment tool, but also unique package of extra facilities.
Free first year card supporting for “Gold” and “Platinum” clients.
Interest calculation for the private rest (up to 7,5% per annum).
Favorable terms overdraft releasing and 35 days grace-period.
On-line banking «RTB CONNECT» gives ability to pay services and purchases, favourable rates and no charge for
most popular payments.
RTB privilage program: travel insurance, concierge-service, Priority Pass Club membership, extra discounts and
bonuses. Free for “Gold” and “Platinum” clients.
Card confidence insurance. Free for “Gold” and “Platinum” clients.
Extremely favourable Bonus loyalty program! Paying by card you can accumulate bonus points (miles) and spend
them on air ticket to the country at your choice. You can track charging and writing off bonus points easily. You can
chose from 800 air companies.
You can add money to account through payment terminal points (QIWI, CyberPlat, Eleksnet, PlatForma).
Free SMS notification on your card manipulation.
Key advantages of RTB card:
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Currency Conversion: the Best Rates for RTB ClientsIf currency conversion is needed, our Clients can use special service "The Best Course of Converting" which is
provided according to the following scheme:
Service is available for “Gold” and “ Platinum” clients.
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Safe Deposit Box
The individual safe deposit box allows you to protect valuable property or papers, when transferring
them to Bank secure storage.
Reliability of storage of valuable property in Bank is provided by legislatively prescribed requirements
for the equipment and reliability of bank deposit boxes and vaults departments. In particular, the Bank
has the certified equipment, 24-hour internal security team, special devices of protection against
unauthorized access.
Only the keeper has access to the individual deposit box.
Besides, we recommend to use deposit boxes for storage of values during your holiday or business
trip.
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To simplify procedures connected to carrying out cross-border payments, RTB clients have opportunity
to use specialized service to open the currency account “Business class” with following options:
Tax office notification about setting up an account abroad
Possibility to effect "thematic" payments on simplified scheme (no confirming documents for subjective
payments defined in advance)
Multi-currency account
Pay free consultation under the currency and tax legislation of Russia and the country you request.
Non-standard task solutions
Settlement and cash services in foreign currency
Service is available for “Gold” and “ Platinum” clients.
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Simplified Border-crossing Investment for RTB Clients
In the period of unstable trends in world economy the markets offer investors a significant opportunities invest in
real assets. Naturally, accurate choice and successful realization are possible here only at professional approach
and knowledge of features of the local markets.
To help our clients use these opportunities we opened chain of offices in Europe, aimed to help select and
analyze all options of investment carefully. Representations function on the basis of the RTB Capital company
registered in the European Union.
We concentrate in those areas where the market situation and available options correspond to investment needs of our clients mostly. Among them:
Investments in Spain. One of the most advanced European economy, having hard times. The unique combination
of market conditions creates good opportunities for investment. Survey and contacts are concentrated in RTB
Capital branch in Barcelona.
Hotel sector in the Alps (including German, Austrian and Italian places). Predictability of the income, high quality
of assets in combination with year-round high occupancy. The economic situation leads to mitigation of
traditionally rigid requirements, presented to potential investors. In this business experience and professionalism
is especially important. That's why our stuff is highly experienced in hotel chains sphere. Options come from an
extensive constituencies and are processed at head office.
Without being limited to these business fields, we are ready to work in those directions which are of interest of our
clients. The extensive constituencies and great experience in transactions allow to solve problems of any
complexity in the interest of a Client.
Service is available for “Gold” and “ Platinum” clients.
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RTB Capital Branch Is Your «Standing Point» in Europe
RTB is where business and personal interests of our clients are concentrated. RTB Capital branch allow
to feel confident in any country from the first day. Our representatives are people living in this very
country for a long time and possessing wide commercial experience.
Our representatives can become your consultants for investments as well as carry out the following
tasks:
selection of options and implementation of the transaction on real estate contracting
providing contacts with banks
lawyer and auditor advice
Offices are located in the following cities: Barcelona, Berlin, Munich, Riga. Chain of representatives
constantly develops. Existing contacts allows us, at your request, to provide necessary service in any
European city even there is no RTB office there.
Service is available for “Gold” and “ Platinum” clients.
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RTB experts possess considerable experience and knowledge in the field of investments and are ready
to provide you the following services in maintenance of investments and private banking within Russia
as well abroad:
1. Deal structuring
Optimum financial flow development
Risk policy (financial, legal, operational)
Due Diligence
Drawing up legal documents and deep analysis of the legislation of the country chosen
Providing necessary arrangements with banks of the chosen country
2. Trust & funds structuring
Assets safety and confidentiality guarantee
Blue chip jurisdiction
3. Opening of the account in Singapore and Swiss
The most reliable and respectable jurisdiction
Maximum protection from global economy depression
Business Support & Private Banking
Service is available for “Gold” and “ Platinum” clients.
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For regional clients we offer special service package in Moscow city with qualify assistance and
consulting in regions at your interest.
Service assistance
RTB stuff is supposed to be your PA and consultant . Information support, consulting, hotel booking, air
tickets, restaurant reservation, leisure manage, order a taxi, interpreter service, paper loss assistance,
courier delivery, etc.
Real estate investment in Moscow
Choosing objects for investment in real estate in Moscow and abroad with prior market analysis.
Representative office in the historical city center
RTB staff allows to run business successfully, handy office for negotiation. Negotiation assistance.
Handy network of partners
At your service there is a network of our business partners, trusted and reliable representatives from
variable business sphere. When address to them you can be sure of professionalism and high quality of
services provided.
Regional Clients Banking
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Volume business
We provide a full range of services for your business on the best conditions:
Overdraft, medium- and long-term lending
Guarantees and documentary operations
TAX consulting
Short-term (up to 1 month), medium-term time free asset investment
Settlement and cash service and running passports of transactions
Remote access banking for corporate clients
…etc.
If due to specifics we can't proceed with your request, we appeal to our partners - financial institutions
specializing in particular sphere.
We provide privileged bank services for private business of individuals.
Our Client are free to indicate necessary service which is out the list, in our turn we are ready to work
out the mechanism of rendering this service on mutually advantageous conditions.
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Payment Security
Nowadays technologies stimulating growth of payments develop furiously , especially those held with
remote banking (RB) and cash cards. Here payment security issues and protection of operations against
different fraud arise.
We consider primarily to reveal the outlined tendency of growth of roguish operations and can offer the
Clients reliable ways of protection. Security payments is one of priority activities of Bank.
So that you can monitor your bank card expenditures , we provide SMS info for free. This will protect
you from illegal money write-off. You can buy insurance policy guarantee you compensation of money
stolen. Charge for insurance policy is of about 60 RUR monthly and varies out of sum of coverage.
Service is available for free for “Gold” and “ Platinum” clients.
We offer corporate clients a number of security options, allowing to avoid unauthorized money write-
off . Thus, the company can independently choose one or few options, depending on a business aspect.
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RTB Licenses
Banking license for legal entities both in rubles and foreign currency №1139 March,13th, 2012
Banking license for individuals both in rubles and foreign currency №1139 from March,13th, 2012
Certificate of Deposit Insurance System participate №70 from October,14th, 2004
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Licenses and Certified Membership
License for broker activity
№077-11279-100000 from 20.05.2008
License for dealer activity
№077-11284-0100000 from 20.05.2008
License for depositary activity
№077-11295-0001000 from 20.05.2008
CJSB «Russian Trust Bank» (CJSC) is a Member of MICEX Stock Exchange.
CJSB «Russian Trust Bank» (CJSC) is an affiliate member of MasterCard International payment system.
CJSB «Russian Trust Bank» (CJSC) is a member of Association of Russian banks.
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Contact us
Office «Cvetnoy Bul’var»
127473, Moscow,
1-st Volkonskiy Lane, 15
Head Office
125009, Moscow,
Bolshaya Nikitskaya st.,16
Tel.: +7 (495) 780-62-55
Fax: +7 (495) 780-62-49
www.kb-rtb.ru
Thank you for your time!