Eco Invest

Name

Eco Invest

Legal name

COMMERCIAL BANK "ECO-INVEST" (LIMITED LIABILITY COMPANY) / КОММЕРЧЕСКИЙ БАНК "ЭКО-ИНВЕСТ" (ОБЩЕСТВО С ОГРАНИЧЕННОЙ ОТВЕТСТВЕННОСТЬЮ)

Website

https://eco-invest.ru

Company type

Private

Founded year

1994

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro industry

PRIMARYFSABABAI

SME Sector/Specialty Banking (Vertical-focused: Healthcare, Agri, Tech, etc.)

Financial & Insurance/Banking (Commerical, Retail & Consumer)/Commercial Banking (SME & Middle Market)

SECONDARYFSAHAJAF

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms)

Financial & Insurance/Hedge Funds & Alternative Investments/Alternative Investments — Private Credit & Direct Lending

Keywords

• Commercial banking services
• Corporate lending
• Retail deposits
• Currency exchange
• Correspondent banking

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Others

Revenue model

1. Interest Income from Lending: Income from providing credit facilities to corporate clients (short-term, medium-term, long-term loans, credit lines) and retail customers (personal loans for various purposes, auto loans, real estate loans) with collateral requirements including movable and immovable property.
2. Commission Income from Banking Services: Fees from settlement and cash services for legal entities and individuals, currency exchange operations, guarantee issuance, deposit operations, and correspondent banking services.
3. Deposit Interest Spreads: Income generated from spread between interest paid on deposits (0.1% to 3% annually depending on deposit type and term) and returns from lending and investment activities.
4. Bill/Bond Operations: Income from sale of bank's own simple discount and interest-bearing bills with yields depending on currency, face value, and payment maturity.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels1 record

Core offering

OOO KB "ECO-INVEST" is a Russian commercial bank that provides settlement and cash services, corporate and retail lending, deposits and promissory notes, currency exchange (USD, EUR, RUB), bank guarantees, safe deposit boxes, money transfers, and correspondent banking services to corporate clients, individual entrepreneurs, private individuals, and other financial institutions. It operates from a single headquarters in Moscow with remote Bank-Client electronic banking via the Faktura.ru platform.

Product overview

Commercial Bank Eco Invest is a Russian commercial bank providing a comprehensive suite of banking services through a platform-based architecture. For corporate clients, the core offerings include settlement and cash services, currency conversion operations, corporate lending and credit lines, bank guarantees, and corporate deposits and promissory notes. For retail clients, the bank offers consumer loans, personal deposits (Срочный and До востребования), current accounts, currency exchange, safe deposit boxes, and money transfers. The bank operates a remote banking module (Банк-Клиент) powered by Faktura.ru for electronic document management. Additional modules include account number reservation for accelerated onboarding, auto lending, employee benefit programs for corporate clients, and correspondent banking services for other financial institutions. The product portfolio is structured around core banking services supplemented by digital banking and specialized lending features.

Differentiator

Problem solved

Functional benefit

Products and services

• Settlement and Cash Services (Расчетно-кассовое обслуживание) Account opening and maintenance in rubles and foreign currency, cash operations, money transfers, currency control, and remote banking services for corporate clients and individual entrepreneurs.
• Currency Conversion Operations (Конверсионные операции) Buy/sell operations for USD, Euro, and Russian rubles with same-day execution (TODAY). Services both corporate and retail clients with exchange at bank rates without additional commissions.
• Corporate Lending / Consumer Loans (Кредитование) Short-, medium-, and long-term loans in rubles and foreign currency. Includes credit lines, overdrafts, and consumer loans for individuals up to 25 years with collateral requirements.
• Bank Guarantees (Гарантии) Tender guarantees, performance obligation guarantees, advance payment return guarantees, and other guarantee types secured by collateral including property, rights, sureties, and international bank guarantees.
• Corporate Deposits and Bills of Exchange (Депозиты и векселя) Term deposits in rubles, USD, and Euro with flexible terms from 1 day to 5 years. Bank issues own discount and interest-bearing promissory notes with early redemption options.
• Personal Loans for Individuals (Персональные кредиты) Personal-purpose loans for any consumer needs, including auto lending and real estate financing, with collateral requirements including movable and immovable property.
• Retail Deposits (Вклады) Savings products including 'Срочный' (term deposits) with terms of 30-365 days and rates up to 3%, and 'До востребования' (on-demand) deposits. Covered by state deposit insurance.
• Current Accounts for Individuals (Текущие счета) Current account services enabling cash deposits/withdrawals, transfers for goods/services payments, salary deposits, currency conversion, and tax payments. Subject to currency restrictions.
• Currency Exchange (Обмен валюты) Cash and non-cash currency exchange for USD and Euro. Buy/sell, conversion between foreign currencies, and banknote exchange services for retail clients.
• Safe Deposit Boxes (Сейфовые ячейки) Individual bank safe rental for storing valuables and documents with full confidentiality. Bank maintains material liability for safe preservation.
• Money Transfers (Переводы) Domestic and international money transfer services for individuals.
• Remote Banking System - Bank-Client via Faktura.ru Electronic remote banking service via Faktura.ru platform enabling corporate clients to manage accounts, process payments, and confirm transactions using digital signatures from licensed certificate authorities.
• Account Number Reservation (Резервирование номера расчетного счета) Service allowing clients to reserve a bank account number before formal account opening, enabling fund transfers to be received during the reservation period before account activation.
• Employee Programs (Программы для сотрудников) Special credit programs for employees of corporate clients with terms up to 3 years including unsecured options, and deposit programs with flexible rates and capitalization.
• Correspondent Banking Services (Корреспондентские счета для банков) Correspondent account services in RUB, USD, and Euro for other financial institutions; includes syndicated lending, interbank lending, and banknote transactions.

Quantifiable outcome

• 66% asset growth over 12-month period (2011-2012)
• +1 more outcomes

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature3 records

Partnerships

Eight partnerships are on record, tiered flagship and core.

• OOO EkonomServiceGroup (Eko-Teplo)flagshipStrategic or Co-development Partner · 2 March 2015Largest partner of the bank, transformed from ZAO to OOO in March 2015. Major holding company specializing in commercial construction, investment, and financial services. Led by Shelyapin Yuri Efimovich, honorary construction specialist. Company operates as successful developer of Moscow real estate market with own banking structures offering favorable lending for property acquisition.
• Sberbank (PAO Sberbank)coreTechnology or IntegrationCorrespondent bank for USD and EUR settlements. Maintains correspondent account #30109840200000031213 for USD and #30109978800000031213 for EUR transactions through Sberbank with SWIFT: SABRRUMM.
• Alfa-Bank (AO ALFA-BANK)coreTechnology or IntegrationCorrespondent bank for USD and EUR settlements. Maintains correspondent account #30109840900000000076 for USD and #30109978500000000076 for EUR transactions through Alfa-Bank with SWIFT: ALFARUMM.
• The Bank of New York MelloncoreTechnology or IntegrationCorrespondent bank in USA for USD settlements. Account #8900057610 with SWIFT: IRVTUS3N, used for USD transactions through both Sberbank and Alfa-Bank.
• Deutsche Bank AG (Frankfurt)coreTechnology or IntegrationCorrespondent bank in Germany for EUR settlements. Account #10094987261000 with SWIFT: DEUTDEFF, used for EUR transactions through Sberbank.
• Commerzbank AG (Frankfurt)coreTechnology or IntegrationCorrespondent bank in Germany for EUR settlements. Account #400886894501EUR with SWIFT: COBADEFF, used for EUR transactions through Alfa-Bank.
• Faktura.ru (Central Digital Certificates Authority)coreTechnology or IntegrationProvider of remote banking system (DBO) enabling electronic document exchange between bank and clients. Uses Athority.ru digital certificates, which is an authorized certification center with licenses from Russian Federal Security Service (FSB). System complies with all Russian legislation requirements and holds necessary licenses.
• Bank of Russia (Central Bank of Russian Federation)flagshipOthersPrimary regulator and supervisory authority for the bank. Assigns licenses, conducts banking supervision, and manages deposit insurance system. Phone: 8-800-300-30-00, +7-499-300-30-00.

Scale indicators6 records

Recent moves9 records

Expansion highlights5 records

Regional players

• AK Bars Bank: Russian regional commercial bank headquartered in Tatarstan with comparable SME and consumer banking products. Similar size band and product mix, but focused on a different geographic region than Eco-Invest's Moscow base.

Others

• Faktura.ru: Russian electronic banking platform provider powering Eco-Invest's Bank-Client remote banking system. Related as a technology service provider rather than a competitor; relevant ecosystem participant for understanding Eco-Invest's digital backbone.

Broad incumbents

• Alfa-Bank: Major Russian private commercial bank serving both corporate and retail segments. Comparable product set (settlement, FX, lending, guarantees) and Eco-Invest's USD/EUR correspondent partner.
• Promsvyazbank: Mid-sized Russian bank with strong presence in SME and corporate banking. Comparable across settlement, lending, and guarantee products, serving a similar SME customer profile to Eco-Invest.
• Raiffeisenbank Russia: Russian subsidiary of an Austrian banking group serving SME and corporate clients. Similar focus on SME settlement and lending with correspondent banking capability, though operating at materially larger scale.
• T-Bank (Tinkoff Bank): Russia's largest digital-first bank focused on retail and SME customers with a mobile-first platform. Comparable in target SME and consumer segments, though T-Bank operates at vastly greater digital scale than Eco-Invest's traditional model.
• Sberbank of Russia: Russias largest commercial bank and Eco-Invest's primary RUB correspondent bank. Overlaps across deposits, lending, and settlement services but operates at national scale across retail, corporate, and investment banking.

Direct peers

• Modulbank: Digital commercial bank focused exclusively on Russian SMEs and individual entrepreneurs offering settlement, tax, and basic lending. Directly comparable SME target customer and digital onboarding approach, though more advanced on app experience.
• Tochka Bank (formerly Otkritie SME): Digital-first Russian bank serving small businesses with settlement accounts, lending, and tax integration. Closest direct peer to Eco-Invest's SME corporate segment, differentiated by its fully online, no-branch model.
• Russian Standard Bank: Mid-sized Russian commercial bank with retail lending and SME banking. Comparable product mix (consumer loans, deposits, FX) and customer profile of SME and mass-affluent retail clients in Moscow.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Eco Invest