Asia-Invest Bank

What Asia-Invest Bank does

Asia-Invest Bank (JSC) (Азия-Инвест Банк (АО)) is a privately held Russian joint-stock bank headquartered at Sadovnicheskaya Street 73, Building 1, Moscow, operating under Universal License No. 3303 from the Bank of Russia (issued 24 March 2015). Founded in 1995 as "Russia's first Russian-Uzbek bank," it is a niche commercial bank whose defining positioning is cross-border financial services between Russia and Uzbekistan, with stated capability to complete currency settlements with Uzbekistan in 1–2 days. The bank's product portfolio is segmented across three client groups: business entities and individual entrepreneurs (settlement and cash services, financing, deposits, currency control, factoring); financial institutions (interbank lending, currency conversion, trade finance); and private individuals (mortgage and consumer credit). Distribution is delivered through physical Moscow offices, an internet banking platform, and a dedicated online account-opening flow (open.ai-bank.ru), with the АзияЭкспресс (AsiaExpress) sub-brand dedicated to cross-border remittances.

The business model is sales-led and traditional, with revenue derived from banking service fees, interest on lending and interbank placements, currency exchange spreads, and trade finance margins; tariffs are not publicly disclosed and are issued upon request, with monthly account servicing described as a subscription-style cadence for business accounts. Customer acquisition relies on direct banking relationships, website inquiries, and a press-center communication channel rather than performance marketing. Strategic differentiation rests on domain specialization in the Russia–Uzbekistan corridor — fast currency settlements, ruble-sum conversion with personal support, simplified documentation lending, and trade financing without capital diversion — supported by a partner-bank network that extends to Azerbaijan, Turkey, Kazakhstan, Kyrgyzstan, Europe, the UK, and China. There is no disclosed revenue, headcount growth trend, funding history, M&A activity, or AI/technology capability in the source materials, leaving key financial and innovation metrics unobservable.

Name

Asia-Invest Bank

Legal name

Азия-Инвест Банк (АО)

Website

https://ai-bank.ru

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

Asia-Invest Bank (JSC) is a privately held Moscow-based Russian bank, founded in 1995 as Russia's first Russian-Uzbek bank, providing cross-border settlement, trade finance, currency control, and lending services to businesses, financial institutions, and private clients across the CIS corridor.

Ownership category

akta.pro rank

Product category

Cross-Border Commercial Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

Keywords

• Cross-border banking
• Settlement services
• Trade financing
• Currency control
• Corporate lending

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

Revenue model

1. Banking Services: Revenue from settlement and cash services, trade financing, currency exchange operations, interbank lending, deposits, and lending products for business and retail customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels3 records

Core offering

Asia-Invest Bank is a Russian joint-stock bank that provides settlement and cash services, trade financing, currency control, deposits, and credit products to legal entities, individual entrepreneurs, and private individuals, with a specialized focus on Russian-Uzbek cross-border financial operations. The bank also serves financial institutions through interbank lending, currency exchange, and trade finance, and offers consumer mortgage and credit products, as well as the AsiaExpress cross-border money transfer service.

Product overview

Asia-Invest Bank (Азия-Инвест Банк) is a Russian-Uzbek bank offering a comprehensive suite of banking services. The bank's product portfolio is organized into three main segments: Business services (RKO, Financing, Deposits, Currency Control), Financial Organizations services (Interbank Lending, Currency Exchange, Trade Finance), and Private Client services (Mortgage, Consumer Credit). Key differentiating offerings include specialized cross-border settlement services with Uzbekistan (AsiaExpress transfers), trade financing without capital diversion, and currency control with ruble-sum conversion support. The bank operates primarily in Russia with a focus on Russian-Uzbek economic relations.

Differentiator

Problem solved

Functional benefit

Brands

• АзияЭкспресс (AsiaExpress): Money transfer service for cross-border transfers.

Products and services

• Settlement and Cash Services (RKO) Settlement and cash services for legal entities and individual entrepreneurs, including account management and payment processing. Available to businesses and individual entrepreneurs via bank branches in Moscow and internet banking.
• Business Financing (Credit products for legal entities) Credit products for legal entities including trade financing and loans with simplified documentation requirements. Same-day credit processing. Available to legal entities.
• Business Deposits Deposit products for business clients. Available to legal entities and individual entrepreneurs.
• Currency Control Currency control services including ruble-sum conversion with personal support for foreign economic activity operations. Available to businesses engaged in cross-border trade.
• Interbank Lending Interbank lending services for financial organizations. Available to banks and financial institutions.
• Currency Exchange (Conversion Operations) Currency conversion operations for financial institutions. Available to partner banks and financial organizations.
• Trade Finance Trade financing services for paying suppliers without diverting funds from operations. Available to financial institutions and businesses engaged in cross-border trade.
• Mortgage Mortgage lending products for private individuals. Available to retail customers of the bank.
• Consumer Credit Consumer loan products for private individuals. Available to retail customers of the bank.
• AsiaExpress Money Transfer Money transfer service for cross-border transactions, particularly between Russia and Uzbekistan. Operated under the sub-brand AsiaExpress (АзияЭкспресс).
• Factoring Supplier financing for large retail networks. Available to businesses acting as suppliers to major retail chains.

Quantifiable outcome

• Currency settlements with Uzbekistan completed in 1-2 days

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Partner bankscoreChannel Partner/ Reseller/ DistributorNetwork of partner banks for interbank lending, trade finance, and banking operations across regions including Uzbekistan, Azerbaijan, Turkey, Kazakhstan, Kyrgyzstan, Europe, UK, and China

Scale indicators3 records

Expansion highlights4 records

Direct peers

• AK Bars Bank: Russian regional commercial bank serving SME, corporate and retail clients with international settlement capabilities — comparable in product scope and target customer mix to Asia-Invest Bank.
• Asaka Bank (Uzbekistan): Major Uzbek state-owned commercial bank with strong Russia-related trade-finance and correspondent-banking footprint — operates on the opposite side of Asia-Invest's primary Russia-Uzbekistan corridor.
• SMP Bank: Russian commercial bank providing corporate banking, trade finance, FX operations and interbank services — a close functional peer for Asia-Invest's full-service business banking stack.
• Asian-Pacific Bank: Russian commercial bank with a comparable Asia/CIS regional focus, offering cross-border settlement and trade-finance products to Russian-Asian corridor clients — directly overlapping Asia-Invest Bank's niche.
• Uzpromstroybank: One of Uzbekistan's largest state-owned commercial banks offering corporate banking, FX and trade-finance products — directly comparable as a counterparty bank within Asia-Invest's Russia-Uzbekistan franchise.
• Tochka Bank: Russian neobank focused on entrepreneurs and SMEs with RKO, lending, trade services and currency control — directly competing for Asia-Invest's primary business-entity client base.
• Modulbank: Russian digital-first SME bank providing RKO, financing, deposits and FX services to entrepreneurs and small businesses — overlapping directly with Asia-Invest's primary business segment.

Broad incumbents

• Uralsib Bank: Established top-30 Russian commercial bank offering corporate, SME and retail banking with FX and international settlement — a broader incumbent competing for the same Russian SME and trade-finance clients.
• Tinkoff Business (T-Bank): Large Russian digital business banking franchise offering RKO, financing, FX and cross-border tools to SMEs — a broader incumbent with overlapping product set targeting the same Russian entrepreneur segment.

Regional players

• Kapital Bank (Uzbekistan): Large Uzbek commercial bank offering corporate, SME and retail banking with active cross-border and remittance products — comparable from a regional perspective as a primary banking partner in the corridor Asia-Invest serves.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/asiainvestbank
• LinkedInlinkedin.com/company/asia-invest-bank

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

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 Asia-Invest Bank