Regional Bank for Development, Moscow branch

What Regional Bank for Development, Moscow branch does

Open Joint Stock Company "Regional Bank for Development" (OAO AKB "RBR"), headquartered in Ufa, Republic of Bashkortostan, is a universal commercial bank founded in 1993 that operates under Central Bank of Russia License No. 2782. The bank serves both retail individuals (including a focused pensioner segment) and corporate clients across trade, construction, agriculture, and pharmaceuticals through an 18-branch network spanning Bashkortostan, Moscow, Neftekamsk, Nizhny Novgorod, and Sterlitamak, with the Moscow branch serving as the federal expansion anchor since 2007. As of December 2012, the bank reported total assets of 5.4 billion RUB, own capital of 695 million RUB, and capital adequacy of 12.0%, though it posted a pre-tax loss of 61.8 million RUB for the first nine months of 2012 with 9.3% overdue debt in its credit portfolio.

The bank's core technology stack supports multi-currency account management, SWIFT-based international messaging, Visa/MasterCard card issuance, a proprietary Client-Bank-Internet remote banking system with 1C:Enterprise accounting integration (launched April 2011), and an SMS-based Mobile Banking service requiring no smartphone. Revenue is generated through interest income from consumer loans, mortgages, auto loans, and corporate credit lines; deposit-taking spreads; settlement and cash services (RKO) under "Universal" and "Active" tariff plans; card operations and trade acquiring; money transfers via Western Union, Contact, Anelik, Golden Crown, and Unistream; interbank lending and correspondent services with over 70 partner institutions; currency exchange; brokerage on Moscow Exchange and OTC; factoring through partnership with NFK; and ancillary services (safe deposit boxes, insurance agency, currency control). Distribution is branch-led with digital supplementation, and the bank holds B++ creditworthiness rating from Ekspert RA (positive outlook) and High Liquidity rating from the National Rating Agency.

Name

Regional Bank for Development, Moscow branch

Legal name

Open Joint Stock Company "Regional Bank for Development"

Website

https://rbrbank.ru

Company type

Public

Founded year

1993

Operating status

Operating

Headcount range

11–50 employees

Short description

Regional Bank for Development (OAO AKB "RBR") is a universal Russian commercial bank founded in 1993, serving retail and corporate clients across Bashkortostan and Moscow via an 18-branch network, offering lending, deposits, cards, factoring, and correspondent services under CBR License No. 2782.

Ownership category

akta.pro rank

Product category

Retail and Corporate Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221), Credit Card Issuing (52221)

SIC

National Commercial Banks (6021), Personal Credit Institutions (6141)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA), Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB), Credit Cards & Revolving Credit (FSABAAAC), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• Retail banking services
• Corporate banking
• Consumer lending
• Settlement and cash services
• Interbank lending

Headquarters

HQ city

Moscow

HQ country

Russia

HQ region

Europe

Offices4 records

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. Interest income from lending: The bank extends consumer loans, mortgages, auto loans, corporate credit lines, overdrafts, and guarantees to both retail and corporate clients. Interest income from these credit products constitutes the primary revenue stream.
2. Deposit taking and interest expense savings: The bank accepts deposits from individuals (in rubles and foreign currency) and corporate clients, using these funds for lending and investment activities.
3. Settlement and cash servicing (RKO): Fees for opening and maintaining corporate accounts, processing payments, and cash management services. Two tariff plans are offered: 'Universal' and 'Active'.
4. Plastic card operations: Revenue from card issuance, maintenance fees, merchant acquiring (trade acquiring in Moscow branch), and salary project programs for corporate clients.
5. Currency exchange operations: Commission-free currency exchange for clients with individual rates based on transaction volume.
6. Money transfers: Domestic and international money transfers via Western Union, Contact, Anelik, Golden Crown systems.
7. Interbank lending and correspondent services: Attracting and placing funds on the interbank market in rubles and foreign currencies, correspondent account services. The bank has agreements with over 70 credit organizations.
8. Brokerage services: Brokerage operations on the securities market (GKO-OFZ, Moscow Exchange, OTC market), REPO transactions.
9. Insurance agency services: Sale of OSAGO (compulsory motor liability insurance) and other insurance products through partnership with INGO
10. Safe deposit boxes: Rental of individual bank safes for storing valuables, documents, and cash in various branch locations.
11. Currency control services: Acting as a currency control agent for corporate clients engaged in foreign economic activity.
12. Factoring: Factoring services offered in partnership with the National Factoring Company (NFK), providing unsecured and unlimited financing.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

Universal commercial bank offering a comprehensive suite of retail and corporate banking products and services through an 18-branch network across Bashkortostan, Moscow, and other Russian regions. Retail offerings include consumer loans, mortgage and auto loans, deposits in rubles and foreign currency, debit and credit cards under Visa/MasterCard, money transfers, currency exchange, utility payments, commemorative coins, safe deposit boxes, and pension-tailored products. Corporate offerings include settlement and cash services (RKO), corporate lending (term loans, credit lines, overdrafts), bank guarantees, factoring, currency control, correspondent banking, and interbank lending. Remote banking is delivered via Client-Bank-Internet platform and SMS-based Mobile Bank.

Product overview

Open Joint Stock Company Regional Bank for Development (ОАО АКБ «РБР») is a universal commercial bank offering a comprehensive suite of retail and corporate banking products and services through its branch network across Russia (headquarters in Ufa, Republic of Bashkortostan, with a Moscow branch and additional offices). For retail customers, the bank offers consumer loans (including pensioner-specific credit products РБР-Пенсионный with and without guarantor, auto loans, and mortgages), debit and credit cards under MasterCard and Visa networks, deposits in rubles and foreign currency, money transfers (Western Union, Contact, Золотая корона, Юнистрим, Anelik), currency exchange, commemorative/investment coins, and individual bank safes. Remote banking is provided via Клиент-Банк-Интернет (internet banking for corporate clients with 1C:Enterprise integration) and Мобильный банк (SMS-based mobile banking). For corporate clients, the bank provides corporate lending (term loans, credit lines, overdrafts, bank guarantees), factoring (via partnership with НФК), settlement and cash services (РКО) with two tariff plans, correspondent banking, interbank lending, currency control, and securities operations (brokerage, bill discounting, GKO-OFZ bonds, REPO). The Moscow branch operates under the same license and offers the full product range.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer loans (Потребительские кредиты)
• Auto loans (Автокредиты)
• Mortgage loans (Ипотечные кредиты)
• Pension Credit — unsecured (Кредит «Пенсионный» без обеспечения)
• Pension Credit — with personal guarantor (Кредит «Пенсионный» под поручительство физического лица)
• RBR-Pension deposit (Вклад «РБР-Пенсионный»)
• Retail deposits — ruble and foreign currency (Вклады для физических лиц)
• Visa and MasterCard debit cards (Дебетовые пластиковые карты)
• Credit cards with grace period (Кредитные карты с льготным периодом)
• Client-Bank-Internet (Клиент-Банк-Интернет)
• Mobile Bank — SMS-based (Мобильный банк)
• Settlement and cash services — RKO (Расчетно-кассовое обслуживание)
• Corporate lending (Кредитование юридических лиц)
• Bank guarantees (Банковские гарантии)
• Factoring (Факторинг)
• Correspondent banking (Корреспондентские отношения)
• Interbank lending (Межбанковское кредитование)
• Currency exchange operations (Валютно-обменные операции)
• Money transfers via Western Union, Contact, Золотая Корона, Юнистрим, and Anelik
• Utility and service payments (Оплата услуг)
• Commemorative and investment coins (Памятные и инвестиционные монеты)
• Safe deposit boxes — individual bank safes (Индивидуальные банковские сейфы)
• Currency control services (Валютный контроль)
• Brokerage and securities-market operations

Quantifiable outcome

• Pension deposit interest rate of 5% per annum, credited monthly
• +1 more outcomes

Named customers5 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration5 records

AI capability2 records

Feature3 records

Partnerships

19 partnerships are on record, tiered core and minor.

• Visa InternationalcoreTechnology or IntegrationThe bank is a member of Visa International payment system, enabling issuance of Visa-branded debit and credit cards accepted globally.
• MasterCard WorldWidecoreTechnology or IntegrationThe bank is a member of MasterCard WorldWide payment system, enabling issuance of MasterCard-branded debit and credit cards accepted globally.
• SWIFT (Society for Worldwide Interbank Financial Telecommunication)coreTechnology or IntegrationThe bank is a member of SWIFT, enabling secure international interbank communications and financial messaging.
• Association of Russian Banks (ARB)coreStrategic or Co-development PartnerThe bank is a member of the Association of Russian Banks and follows the Code of Ethical Principles of Banking. Member since 1995.
• Association of Banks of the Republic of BashkortostancoreStrategic or Co-development PartnerThe bank is a member of the Association of Banks of the Republic of Bashkortostan.
• ABISS (Association for Banking Information Security)coreStrategic or Co-development PartnerThe bank is a member of ABISS and conducts information security work in accordance with CB RF standards (STO BR IBBS-1.0-2010).
• Over 70 credit organizations (correspondent banking partners)coreStrategic or Co-development PartnerThe bank has signed cooperation agreements with more than 70 credit organizations covering settlements and interbank lending operations.
• DELTA trading system (Moscow interbank market)coreTechnology or IntegrationThe bank is a participant in the DELTA system — the leading trading platform on the Russian interbank market for overnight ruble loans.
• National Factoring Company (NFK)coreStrategic or Co-development PartnerBank offers factoring services in partnership with the National Factoring Company (NFK). The product features unsecured and unlimited financing, payment from buyer funds, and free convenient services.
• INGOSSTRAKH (OSAGO insurance)minorChannel Partner/ Reseller/ DistributorJointly with INGOOSSTRAKH, the bank offers compulsory motor liability insurance (OSAGO) services.
• airBaltic (Latvian airline)minorGTM or Marketing PartnerBank jointly with airBaltic offered frequent flyer privileges to cardholders in 2012.
• Atlantika. Finansy i Konsalting (Investment Company)minorStrategic or Co-development PartnerIndependent Russian investment company providing brokerage services and internet trading for shares, bonds, futures, and options on Moscow Exchange, RTS, and FORTS.
• Russian-Israeli Business CouncilminorStrategic or Co-development PartnerCreated to expand and develop business contacts and mutually beneficial cooperation between Russian and Israeli entrepreneurs, promote Russian business in Israeli markets, and attract Israeli investment to Russia.
• Russian-Swiss Business CouncilminorStrategic or Co-development PartnerCreated for developing business relations between Russia and Switzerland, primarily supporting small and medium business engaged in foreign economic activity.
• UCHINSKAYA GAVAN (Uchinsky Forest LLC)minorGTM or Marketing PartnerManaging company for residential land development, implementing a business-class cottage settlement project near Moscow.
• Non-profit Partnership 'SODRUZHESTVO'minorStrategic or Co-development PartnerPartnership for developing and implementing socially significant programs.
• SNEGH.COM (All-season ski resort, Krasnogorsk)minorGTM or Marketing PartnerCo-branding partnership with SNEGH.COM ski resort providing cardholders 20% discount on services in 2011.
• KPMGcoreOthersKPMG repeatedly confirmed the accuracy of the bank's financial statements (most recently for 2008).
• Trade and Industry Chamber of the Republic of BashkortostancoreStrategic or Co-development PartnerThe bank is a member of the Trade and Industry Chamber of the Republic of Bashkortostan.

Scale indicators14 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• AK Bars Bank: Regional universal commercial bank headquartered in Kazan, Republic of Tatarstan — directly comparable to RBR as a Russian regional commercial bank serving retail, SME, and interbank clients with a similar full-service product mix and federal branch presence.
• Uralsib Bank: Mid-sized Russian universal commercial bank with multi-region branch network offering retail and corporate banking, comparable in scale and product breadth to RBR.
• Promsvyazbank: Russian universal commercial bank serving SME and retail clients with corporate lending, RKO, and digital channels — comparable as a mid-tier Russian bank competing in similar segments.
• Bank Saint Petersburg: Mid-sized regional Russian commercial bank with a strong regional franchise (North-West), offering retail and corporate banking products and correspondent services — comparable in business model and product mix.
• SDM-Bank: Russian universal commercial bank focused on corporate banking, settlement services, and trade finance with correspondent relationships — comparable in interbank and corporate banking franchise.
• Asian-Pacific Bank (ASRB): Russian regional universal commercial bank with multi-region presence serving retail and corporate clients — comparable as a smaller multi-branch Russian bank with diversified revenue streams.
• Home Credit Bank: Russian bank specializing in consumer lending and point-of-sale finance with growing retail and digital offerings — comparable in retail lending focus and pensioner/mass-market segment overlap.

Broad incumbents

• Sberbank: Russia's dominant state-controlled universal bank — broad incumbent that overlaps with RBR across all retail and corporate product lines, setting competitive benchmarks for pricing and digital channels.
• VTB Bank: Major Russian state-owned universal commercial bank — broad incumbent in corporate, retail, and interbank services, comparable on product breadth and correspondent relationships though at vastly larger scale.

Emerging players

• T-Bank (Tinkoff Bank): Russia's leading digital-first neo-bank with no branch network — represents the emerging competitive threat to small regional banks like RBR as customers migrate to mobile-first banking experiences.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/regional-bank-for-development-moscow-branch

Compliance6 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 Regional Bank for Development, Moscow branch