NovikomBank

What NovikomBank does

NovikomBank (legal name: AO AKB NOVICOMBANK) is a Russian commercial bank headquartered in Moscow, operating as the financial services competence center of Rostec State Corporation through the RT-Finans holding. The bank specializes in financing and banking services for large industrial enterprises in heavy machinery, automotive, high-tech, aerospace, defense, oil and gas, and petrochemical sectors, with deep integration into the Rostec ecosystem serving enterprises such as United Aircraft Corporation (OAK), United Engine Corporation (ODK), Russian Helicopters, KRET, and Roselectronics. Beyond its industrial core, NovikomBank serves SMEs through 'umbrella' guarantees from the SME Corporation (Korporatsiya MSP) and government procurement bank guarantees (44-FZ, 223-FZ, 275-FZ), and serves retail customers — particularly industrial workers — through payroll-linked programs, the 'Development' preferential mortgage and lending program, deposits (Kapital, Rost, Comfort lines), and loyalty programs (Cashback up to 25%, Bonuses, Bonus Kopilka).

The bank operates a platform-plus-modules architecture built on the Inter@ktiv internet bank and mobile application (available on RuStore, RuMarket, NashStore), the Correqts Corporate-based Client-Bank system for correspondent banks, the NovikomFX electronic trading platform for currency operations, and the SafeTech CA certification authority. Distribution combines physical branches across 10+ Russian regions, a 24/7 contact center, dedicated corporate relationship managers, and direct workplace engagement ('Days of NOVICOM') at partner enterprises. As of January 2026, the bank reported assets of 1,465 billion rubles (TOP-15 Russian financial institution), own capital of 129.3 billion rubles, net profit of 26.5 billion rubles, and ROE of 21.1%, with credit ratings of ruAA (Expert RA), AA.ru (NKR), and AA+ (CSCI Pengyuan, China). Revenue is generated through net interest income from corporate and retail lending, commission income from bank guarantees and currency operations, transaction fees on card processing, and fees from correspondent banking and brokerage services. The bank is a wholly-owned subsidiary of RT-Finans, which is itself part of Rostec State Corporation, providing structural advantages in accessing government support programs and a captive enterprise customer base.

Name

NovikomBank

Legal name

АО АКБ «НОВИКОМБАНК»

Website

https://novikom.ru

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

NovikomBank is a Russian commercial bank, part of the Rostec State Corporation's RT-Finans holding, that finances large industrial enterprises in aerospace, defense, oil and gas, and high-tech sectors, while also serving SMEs via government-backed guarantees and retail customers through payroll-linked programs.

Ownership category

akta.pro rank

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Corporate Lending and Credit Operations: NOVIKOM generates interest income from providing loans to corporate clients, including large industrial enterprises, SMEs, and retail customers. The bank extends corporate loans, syndicated loans, overdraft facilities, and trade finance. Interest rates are competitive with government support programs such as the Cluster Investment Platform, FRP loans, and Factory of Project Financing.
2. Bank Guarantees: The bank earns commission income from issuing bank guarantees for corporate clients and SMEs participating in government procurement (44-FZ, 223-FZ, 275-FZ). Guarantees range up to 150 million rubles with terms up to 60 months. Express guarantees up to 50 million rubles are also offered.
3. Retail Banking Services: Income from retail operations including credit cards, debit cards, deposits, mortgage lending, consumer loans, and overdraft facilities. Commission income from payment services, SMS notifications, and account maintenance.
4. Currency Operations and Exchange Control Services: Fees for currency control services, currency transfer execution, conversion operations, and international trade finance. The bank also earns income from correspondent banking services for financial institutions.
5. Loyalty Program and Cashback: The bank operates loyalty programs (Cashback, Bonuses, Bonus Kopilka) for retail customers. While the program costs the bank, it drives card usage, transaction volumes, and customer retention. In 2025, the bank paid out 1.194 billion rubles in cashback.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels7 records

Core offering

NovikomBank is a Russian commercial bank that provides corporate lending, bank guarantees, trade finance, currency operations, and correspondent banking services primarily to large industrial enterprises within the Rostec State Corporation ecosystem (aerospace, defense, high-tech manufacturing, oil and gas). It also offers retail banking products including deposits, mortgages, consumer loans, credit/debit cards with cashback loyalty programs, and private banking for high-net-worth clients. The bank holds TOP-15 ranking among Russian financial organizations with assets of 1,465 billion rubles as of January 2026.

Product overview

NovikomBank offers a comprehensive banking product portfolio organized as a platform-plus-modules architecture. The core platform includes the Inter@ktiv remote banking system (internet bank and mobile app) and Client-Bank system for financial institutions. Key product lines encompass: retail banking (debit/credit cards with loyalty programs including Cashback, Bonuses, and Bonus Piggy Bank), deposit products under three lines (Kapital with highest rates, Rost with growing rates, Comfort with flexible withdrawal), mortgage programs (Family, IT, Primary, Secondary markets), corporate banking (corporate cards, current accounts, lending, guarantees for state procurements), financial markets (FX trading, currency forwards/options/swaps), securities services (brokerage, depository, bond issuance), currency control, international business (export/import financing), and premium services (Private Banking). Digital-only products like Kapital salary/premium online deposits are exclusively available through the mobile app or internet bank. The bank also offers specialized programs like the "Development" incentive program providing preferential rates for employees of partner industrial enterprises under Rostec.

Differentiator

Problem solved

Functional benefit

Brands

• Вклады «Капитал»: Non-replenishable deposit products with premium rates up to 15.8% annually, paying interest at end of term.
• Вклады «Рост»
• Вклады «Комфорт»
• Вклад «Рантье»
• Экспресс-Гарантия
• Программа «Развитие»
• Программа лояльности «Кешбэк»
• Программа «Бонусы»
• Программа «Бонусная копилка»
• Социально-платежная карта сотрудника Ростеха

Products and services

• Corporate Card (Корпоративная карта) Bank cards for business operations on legal entity and individual entrepreneur accounts enabling payment of business expenses, representative, transport, and travel expenses, as well as cash withdrawals for corporate clients.
• Bank Guarantees (Банковские гарантии) Guarantees for legal entities engaged in procurement under Federal Laws 44-FZ, 223-FZ, 275-FZ for state procurements. Includes guarantees without collateral (up to 100 million rubles), express guarantees (up to 50 million rubles), and guarantees with collateral (up to 150 million rubles) with approval from 1 day.
• Currency Control Services (Услуги валютного контроля) Currency control services for legal entities including contract registration, transaction monitoring, supporting document processing, and compliance with Bank of Russia regulations.
• Foreign Currency Transfers (Переводы в иностранной валюте) Currency transfer operations in foreign currencies and rubles with correspondent Russian banks subject to Central Bank restrictions.
• Syndicated Lending (Синдицированное кредитование) Joint financing services where NovikomBank participates in syndicated loans for large-scale corporate projects.
• Cash Pooling Corporate cash management solution for optimizing group company liquidity and internal fund flows across corporate group structures.
• Brokerage Services (Брокерское обслуживание) Securities brokerage services for private and corporate clients enabling access to investment markets and portfolio management.
• Client-Bank System (Система «Клиент-Банк») Remote banking account management system for correspondent banks based on Correqts Corporate platform with cryptographic protection and document flow security. Integrates with accounting systems and supports ruble and currency payment documents.
• Guarantees and Obligations for Financial Institutions All types of bank guarantees, tender guarantees, payment return guarantees, irrevocable reimbursement obligations, and letter of credit confirmations for financial institution clients.
• Novikom FX Electronic Trading System Electronic trading platform for currency operations including currency forwards, options, and swaps for corporate and financial institution clients.
• Kapital Deposit Line (Линейка вкладов «Капитал») Non-replenishable deposits with highest interest paid at maturity, including Kapital salary online (up to 15.1% p.a.) and Kapital premium online (up to 15.8% p.a.) available only via digital channels. Terms 91–1,100 days.
• Rost Deposit Line (Линейка вкладов «Рост») Replenishable deposits with monthly income payments and an increasing interest rate for growing savings.
• Comfort Deposit Line (Линейка вкладов «Комфорт») Replenishable deposits with partial withdrawal capability offering flexible savings management.
• Rantye Deposit (Вклад «Рантье») Deposit with interest rate tied to the Bank of Russia key rate for flexible returns in changing rate environment.
• Mortgage Programs (Ипотечные программы) Full range of mortgage products including Family Mortgage (from 5.1%), Primary Market, Secondary Market, IT Mortgage, Far Eastern Mortgage, and Targeted credit under pledge of existing real estate.
• Cashback Program (Программа «Кешбэк») Cashback program returning part of purchase amounts to cardholders, with elevated cashback up to 25% in selected categories such as supermarkets, pharmacies, restaurants, transport, and utilities. Customers select 4 categories.
• Bonuses Program (Программа «Бонусы») Loyalty program accruing bonus points for card purchases, with 1 bonus equal to 1 RUB, redeemable for goods, airline/railway tickets, hotel bookings, and gift certificates at bonus.novikom.ru. Points expire after 2 years.
• Bonus Piggy Bank Program (Программа «Бонусная копилка») Savings program accruing bonus points based on account balance and monthly purchase amounts, with up to 5,000 bonuses per month maximum. Bonus Kopilka: 369.86–739.73 bonus points per month depending on balance and spending.
• Private Banking Premium banking services for high-net-worth clients including brokerage service, personalized financial advisory, and exclusive product offerings.
• Individual Safe Deposit Boxes (Индивидуальные сейфовые ячейки) Safe deposit box rental service for secure storage of cash, valuables, and documents with access during office hours.
• Commemorative and Investment Coins (Памятные и инвестиционные монеты) Purchase and sale of commemorative coins for collecting and investment coins linked to precious metal prices with VAT exemption for investment coins.
• Letters of Credit (Аккредитивы) Secure payment mechanism guaranteeing both parties in transactions with bank involvement in purchase/sale of property and services.
• SBP Transfers (Переводы через СБП) Instant money transfers between individuals by phone number via the System of Fast Payments (SBP) with limits of 150,000 RUB daily and 100,000 RUB monthly without commission.
• Inter@ktiv Remote Banking System (Система «Интер@ктив») Internet banking and mobile application system for private and corporate clients enabling account management, transfers, payments, and card management. Available on RuStore, RuMarket, NashStore, and direct APK download.
• Collateral Insurance (Страхование залогового имущества) Insurance services for collateral property covering real estate, vehicles, goods in circulation, and equipment, with recommended insurers including INGO, SOGAZ, and ALFA-Strahovanie.
• DPS Plus Action (ПДС Плюс) Long-term savings program action providing monthly reward of 4% from each contribution paid to the DPS account, with unlimited reward size and no dependence on card turnover, jointly launched with NPFS Rostec for Long-Term Savings Program participants.

Quantifiable outcome

• Asset growth of 41.1% in 2025, reaching 1,465 billion rubles
• +5 more outcomes

Named customers15 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature5 records

Partnerships

20 partnerships are on record, tiered minor, core and major.

• Financial Institutions of BahrainminorStrategic or Co-development Partner · 7 December 2025NOVIKOM conducted negotiations with leading financial institutions of Bahrain at the ARFA Bahrain-2025 forum in Manama (December 7–9, 2025), held to mark the 35th anniversary of diplomatic relations between Russia and Bahrain. Discussions focused on strengthening bilateral economic ties, financial infrastructure, investment projects, and trade-industrial cooperation.
• GTLK (State Transport Leasing Company)minorGTM or Marketing Partner · 1 December 2025NOVIKOM acted as one of the organizers of the sustainable development bonds issue for GTLK, a state-owned transport leasing company. NOVIKOM supports sustainable finance initiatives in the Russian transport sector.
• RosagrolizingminorGTM or Marketing Partner · 1 December 2025NOVIKOM organized the first issue of ЦФА (digital financial assets) for Rosagrolizing, a state-owned agricultural leasing company.
• Rostec State Corporation (Госкорпорация Ростех)coreStrategic or Co-development Partner · 1 January 2022NOVIKOM is an integral part of the Rostec ecosystem, serving as the financial partner for the state corporation's enterprises. The bank provides preferential banking conditions (mortgages, loans, payroll programs) to employees of Rostec enterprises. The partnership includes the 'Development' program for preferential lending, the social payment card system for 147+ organizations, and project financing for Rostec enterprises. The bank is part of the RT-Finans holding, which is the financial services center of Rostec.
• Russian Export Center (РЭЦ, AO Российский экспортный центр)coreStrategic or Co-development Partner · 2 October 2017NOVIKOM signed an agreement with RÉTS for providing compensatory payments from the federal budget to reduce interest rates on export credits. NOVIKOM was included in the list of authorized banks for receiving compensation on export credits. This enables Russian exporters and foreign buyers of Russian products to receive financing at reduced rates.
• RT-Finans Holding (Холдинг РТ-Финанс)coreStrategic or Co-development PartnerRT-Finans is the center of financial services competence for Rostec State Corporation, of which NOVIKOM is a part. The holding includes NOVIKOM bank and NPF Rostec (Non-State Pension Fund). The holding launched the 'PDS Plus' action for long-term savings program participants in 2026.
• SME Corporation (Корпорация МСП)coreStrategic or Co-development PartnerNOVIKOM uses 'umbrella' guarantees from the SME Corporation to provide financing to SMEs lacking sufficient collateral. The mechanism covers up to 50% of loan amounts up to 1 billion rubles. In 2025, NOVIKOM grew its SME portfolio by 47% under this mechanism, issuing approximately 2.9 billion rubles in loans. New limits were provided in early 2026.
• Fund of Development of Industry (ФРП, Фонд развития промышленности)coreStrategic or Co-development PartnerNOVIKOM cooperates with the FRP to provide financing to industrial enterprises. The bank acts as a guarantor for FRP loans and has provided guarantee coverage for FRP loans to companies including Fest Logistik (Nizhny Novgorod). Also cooperates with the Nizhny Novgorod Fund of Development and Venture Investments under the regional 'Production Support' program.
• PROFAVIA (Профсоюз авиационной промышленности)majorStrategic or Co-development PartnerIn January 2026, NOVIKOM signed an agreement with Rostec and PROFAVIA to expand banking services for aviation industry workers. The social payment card program will be extended to PROFAVIA union members, providing preferential banking conditions.
• SafeTech CAmajorTechnology or IntegrationSafeTech CA is the Russian certification authority implemented by NOVIKOM to replace Microsoft CA. It provides secure digital certificate management for data protection in the bank's digital environment. Features self-service certificate request and management interfaces.
• Bauman Moscow State Technical University (МГТУ им. Н.Э. Баумана)majorStrategic or Co-development PartnerStrategic partnership with Russia's leading technical university. NOVIKOM supports engineering education through the 'Inzhener Goda' (Engineer of the Year) prize, opened a computer classroom at the Rocket Engines department, a virtual museum of ODK-Aviadvigatel, and sponsors robotics competitions. The bank's Cuban representative represents Bauman MSTU in Cuba. Fund of Technological Leadership at the university has Andrey Kondratyev (RT-Finans Director General) as Chairman of the Board.
• Ministry of Industry and Trade of TatarstanminorGTM or Marketing PartnerNOVIKOM was general partner of the Kazan International Electric Power Forum ENERGOPROM. Joint business breakfast organized with the Republic of Tatarstan Government, attended by Rais of Tatarstan Rustam Minnikhanov and Russian Energy Minister Sergey Tsivilyov.
• Sinara GroupmajorStrategic or Co-development PartnerNOVIKOM elevated its cooperation with Sinara Group to a new level in July 2026. Sinara Group is a major Russian railway equipment and transport manufacturing holding.
• Aviation Industry Enterprises (OAK, ODK, Vertolety Rossii, KRET, Rosel)coreStrategic or Co-development PartnerNOVIKOM serves as the strategic financial partner for the key enterprises of the Russian aviation industry. The bank finances the development of PD-8 and PD-14 engines, Mi and Ka helicopter families, SJ-100 and MC-21 aircraft, and provides banking services to 147+ aviation organizations. Approximately 120 enterprises participate in the 'Development' program with preferential mortgage conditions.
• AvtoVAZmajorStrategic or Co-development PartnerAvtoVAZ is a named beneficiary in the bank's guarantee programs. The bank provides bank guarantees for entities purchasing from or supplying to AvtoVAZ within government procurement frameworks.
• KAMAZmajorStrategic or Co-development PartnerKAMAZ is a named beneficiary in the bank's guarantee programs. The bank provides bank guarantees for entities participating in procurement of KAMAZ.
• Insurance Companies (INGO, SOGAZ, Absolut, AlphaStrakhovanie, VSK, Energogarant, MAKS, Soglasie, Yugoria, NSG)minorImplementation/ SI/ Consulting PartnerNOVIKOM maintains a list of approved insurance companies for collateral insurance of corporate loans. The list includes 10 companies and mutual insurance societies. Insurance is required for collateral backing corporate and mortgage loans. The bank evaluates insurance companies against its internal requirements.
• Rostec AcademyminorStrategic or Co-development PartnerJointly with Rostec Academy, NOVIKOM developed a free video course on financial literacy accessible to employees of Rostec enterprises and the public.
• HSE (Higher School of Economics)minorStrategic or Co-development PartnerNOVIKOM partnered with HSE to deliver financial literacy lectures as part of the 'Kiberbezopasnost: vyzovy zavtrashnego dnya' (Cybersecurity: Tomorrow's Challenges) module at the 'Inzhenery Budushchego' forum. HSE experts delivered lectures on information security threats and protection.
• Strana detey Foundation (Благотворительный фонд Страна для детей)minorStrategic or Co-development PartnerRT-Finans and NOVIKOM supported the Strana detey charity foundation in opening a 'Robotics' group for children with disabilities in Melitopol, Zaporozhye region. Children aged 5–15 learn basics of construction, modeling, and programming.

Scale indicators18 records

Recent moves6 records

Expansion highlights8 records

Others

• Reso-Garantia: Major Russian insurance company within the Rostec ecosystem that complements NOVIKOM's collateral insurance offerings. Comparable as part of the same industrial-financial cluster, though in insurance rather than banking.

Broad incumbents

• Gazprombank: Major Russian bank affiliated with Gazprom Group, with deep corporate banking, project finance, and industrial lending capabilities. Comparable in providing structured finance to large industrial enterprises, though tilted more toward energy sector than defense.
• Rosselkhozbank (Russian Agricultural Bank): Russian state-owned bank focused on agribusiness and rural lending with growing industrial and SME segments. Comparable as another state-owned bank operating in system-forming enterprise financing, though with an agricultural focus.
• Sberbank: Russia's largest bank and dominant retail and corporate franchise. Comparable to NOVIKOM in offering the full banking stack (corporate lending, retail deposits, mortgages, FX, brokerage), though at vastly greater scale and broader sector exposure.
• VTB Bank: One of Russia's largest state-owned banks, serving corporate, SME, and retail segments with significant defense and industrial lending exposure. Larger and broader than NOVIKOM but operates in the same state-bank-driven industrial financing space.
• Alfa-Bank: Largest privately-owned Russian bank offering corporate banking, investment banking, and retail services. Comparable to NOVIKOM in providing correspondent banking, trade finance, and corporate lending, though with a more diversified non-state clientele.
• Russian Agricultural Bank (Rosselkhozbank): Another state-owned bank financing system-forming enterprises with a focus on agriculture and rural SMEs. Comparable in leveraging government guarantee programs (umbrella guarantees, FRP) to underwrite SME lending, though with a sector-specific remit.
• Bank DOM.RF: Russian state-owned bank specializing in housing finance and development financing, with growing corporate and project finance capabilities. Comparable in offering project finance alongside mortgage products, though with a real-estate focus rather than industrial.

Direct peers

• SMP Bank: Russian commercial bank serving industrial and corporate clients with strong presence in defense-adjacent sectors. Similar mid-tier profile to NOVIKOM with focus on corporate lending, bank guarantees, and retail banking tied to industrial payroll programs.
• Promsvyazbank: Russian state-owned commercial bank focused on financing the defense-industrial complex and large system-forming enterprises. Direct comparable to NOVIKOM in serving defense and dual-use industrial borrowers, government procurement guarantees, and state-sector retail programs.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xt.me/novikombank_official
• Facebookfacebook.com/novikom.ru
• LinkedInlinkedin.com/company/novikombank

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 NovikomBank