под какой процент можно положить деньги в россельхозбанке для пенсионеров в 2021 году

Доходный Пенсионный (в конце срока) Россельхозбанк

под какой процент можно положить деньги в россельхозбанке для пенсионеров в 2021 году

\u0410\u041e \u00ab\u0420\u043e\u0441\u0441\u0435\u043b\u044c\u0445\u043e\u0437\u0431\u0430\u043d\u043a\u00bb \u2013 \u043e\u0434\u0438\u043d \u0438\u0437 \u043a\u0440\u0443\u043f\u043d\u0435\u0439\u0448\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432 \u0420\u0424, \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0437\u0438\u0440\u0443\u044e\u0449\u0438\u0439\u0441\u044f \u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0438 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439 \u0430\u0433\u0440\u043e\u043f\u0440\u043e\u043c\u044b\u0448\u043b\u0435\u043d\u043d\u043e\u0433\u043e \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u0430. \u0412\u0445\u043e\u0434\u0438\u0442 \u0432 \u043f\u0435\u0440\u0435\u0447\u0435\u043d\u044c \u0441\u0438\u0441\u0442\u0435\u043c\u043d\u043e \u0437\u043d\u0430\u0447\u0438\u043c\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0439 \u0441\u0442\u0440\u0430\u043d\u044b. 100% \u0430\u043a\u0446\u0438\u0439 \u0420\u0421\u0425\u0411 \u043d\u0430\u0445\u043e\u0434\u044f\u0442\u0441\u044f \u0432 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0439 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0441\u0442\u0438. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u2013 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432, \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u0435\u043d\u0438\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f \u0432\u043e \u0432\u043a\u043b\u0430\u0434\u044b. \u041a\u0440\u0443\u043f\u043d\u0435\u0439\u0448\u0438\u043c \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a\u043e\u043c \u0440\u0435\u0441\u0443\u0440\u0441\u043e\u0432 \u0432\u044b\u0441\u0442\u0443\u043f\u0430\u044e\u0442 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0438 \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043b\u0438\u0446.

\u0420\u043e\u0441\u0441\u0435\u043b\u044c\u0445\u043e\u0437\u0431\u0430\u043d\u043a (\u0420\u0421\u0425\u0411) \u0431\u044b\u043b \u0441\u043e\u0437\u0434\u0430\u043d \u0432 2000 \u0433\u043e\u0434\u0443 \u043f\u043e \u0438\u043d\u0438\u0446\u0438\u0430\u0442\u0438\u0432\u0435 \u043f\u0440\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430, \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u043d\u043e\u0439 \u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442\u043e\u043c \u0420\u0424. \u0423\u0447\u0440\u0435\u0434\u0438\u0442\u0435\u043b\u0435\u043c \u0432\u044b\u0441\u0442\u0443\u043f\u0438\u043b\u043e \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0435 \u0410\u0433\u0435\u043d\u0442\u0441\u0442\u0432\u043e \u043f\u043e \u0440\u0435\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0438\u0437\u0430\u0446\u0438\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0439 (\u0410\u0420\u041a\u041e, \u043f\u0440\u0435\u0434\u0448\u0435\u0441\u0442\u0432\u0435\u043d\u043d\u0438\u043a \u0410\u0433\u0435\u043d\u0442\u0441\u0442\u0432\u0430 \u043f\u043e \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044e \u0432\u043a\u043b\u0430\u0434\u043e\u0432).

\u0421 \u0438\u044e\u043b\u044f 2001 \u0433\u043e\u0434\u0430 100% \u0430\u043a\u0446\u0438\u0439 \u0431\u0430\u043d\u043a\u0430 \u043f\u0440\u0438\u043d\u0430\u0434\u043b\u0435\u0436\u0438\u0442 \u043f\u0440\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0443 \u0420\u0424 \u0432 \u043b\u0438\u0446\u0435 \u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u043e\u0433\u043e \u0444\u043e\u043d\u0434\u0430 \u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430 (\u043d\u044b\u043d\u0435 \u0424\u0435\u0434\u0435\u0440\u0430\u043b\u044c\u043d\u043e\u0435 \u0430\u0433\u0435\u043d\u0442\u0441\u0442\u0432\u043e \u043f\u043e \u0443\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044e \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u043c \u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u043e\u043c \u2013 \u0420\u043e\u0441\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u043e).

\u0421 \u043c\u0430\u044f 2010 \u0433\u043e\u0434\u0430 \u0432 \u0442\u0435\u0447\u0435\u043d\u0438\u0435 8 \u043b\u0435\u0442 \u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0439 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0438 \u0432\u043e\u0437\u0433\u043b\u0430\u0432\u043b\u044f\u043b \u0414\u043c\u0438\u0442\u0440\u0438\u0439 \u041f\u0430\u0442\u0440\u0443\u0448\u0435\u0432, \u0441\u044b\u043d \u0441\u0435\u043a\u0440\u0435\u0442\u0430\u0440\u044f \u0421\u043e\u0432\u0435\u0442\u0430 \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438 \u0420\u0424 \u0438 \u044d\u043a\u0441-\u0440\u0443\u043a\u043e\u0432\u043e\u0434\u0438\u0442\u0435\u043b\u044f \u0424\u0421\u0411 \u041d\u0438\u043a\u043e\u043b\u0430\u044f \u041f\u0430\u0442\u0440\u0443\u0448\u0435\u0432\u0430.

\u0421 \u043a\u043e\u043d\u0446\u0430 \u043e\u043a\u0442\u044f\u0431\u0440\u044f 2012 \u0433\u043e\u0434\u0430 \u043d\u0430\u0431\u043b\u044e\u0434\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0441\u043e\u0432\u0435\u0442 \u0420\u0421\u0425\u0411 \u0432\u043e\u0437\u0433\u043b\u0430\u0432\u043b\u044f\u043b \u043f\u0440\u0435\u0437\u0438\u0434\u0435\u043d\u0442 \u0433\u0440\u0443\u043f\u043f\u044b \u00ab\u0421\u0438\u043d\u0430\u0440\u0430\u00bb (\u043a\u043e\u043d\u0442\u0440\u043e\u043b\u0438\u0440\u0443\u0435\u0442 \u0435\u043a\u0430\u0442\u0435\u0440\u0438\u043d\u0431\u0443\u0440\u0433\u0441\u043a\u0438\u0439 \u0421\u041a\u0411-\u0411\u0430\u043d\u043a), \u0433\u043b\u0430\u0432\u0430 \u0441\u043e\u0432\u0435\u0442\u0430 \u0434\u0438\u0440\u0435\u043a\u0442\u043e\u0440\u043e\u0432 \u0422\u0440\u0443\u0431\u043d\u043e\u0439 \u043c\u0435\u0442\u0430\u043b\u043b\u0443\u0440\u0433\u0438\u0447\u0435\u0441\u043a\u043e\u0439 \u043a\u043e\u043c\u043f\u0430\u043d\u0438\u0438 \u0414\u043c\u0438\u0442\u0440\u0438\u0439 \u041f\u0443\u043c\u043f\u044f\u043d\u0441\u043a\u0438\u0439. \u0412 \u0441\u043e\u0441\u0442\u0430\u0432 \u0441\u043e\u0432\u0435\u0442\u0430, \u0443\u0442\u0432\u0435\u0440\u0436\u0434\u0435\u043d\u043d\u044b\u0439 26 \u043d\u043e\u044f\u0431\u0440\u044f 2013 \u0433\u043e\u0434\u0430, \u043e\u043d \u0443\u0436\u0435 \u043d\u0435 \u0432\u043e\u0448\u0435\u043b.

\u0421 2015 \u0433\u043e\u0434\u0430 \u043f\u0440\u0435\u0434\u0441\u0435\u0434\u0430\u0442\u0435\u043b\u0435\u043c \u043d\u0430\u0431\u043b\u044e\u0434\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0441\u043e\u0432\u0435\u0442\u0430 \u0431\u0430\u043d\u043a\u0430 \u044f\u0432\u043b\u044f\u043b\u0441\u044f \u0431\u044b\u0432\u0448\u0438\u0439 \u0433\u0443\u0431\u0435\u0440\u043d\u0430\u0442\u043e\u0440 \u041a\u0440\u0430\u0441\u043d\u043e\u0434\u0430\u0440\u0441\u043a\u043e\u0433\u043e \u043a\u0440\u0430\u044f, \u044d\u043a\u0441-\u043c\u0438\u043d\u0438\u0441\u0442\u0440 \u0441\u0435\u043b\u044c\u0441\u043a\u043e\u0433\u043e \u0445\u043e\u0437\u044f\u0439\u0441\u0442\u0432\u0430 \u0420\u0424 \u2013 \u0410\u043b\u0435\u043a\u0441\u0430\u043d\u0434\u0440 \u0422\u043a\u0430\u0447\u0435\u0432. \u0412 \u043a\u043e\u043d\u0446\u0435 \u0438\u044e\u043d\u044f 2017 \u0433\u043e\u0434\u0430 \u043f\u0440\u0435\u0434\u0441\u0435\u0434\u0430\u0442\u0435\u043b\u0435\u043c \u043d\u0430\u0431\u043b\u044e\u0434\u0430\u0442\u0435\u043b\u044c\u043d\u043e\u0433\u043e \u0441\u043e\u0432\u0435\u0442\u0430 \u0420\u0421\u0425\u0411 \u0431\u044b\u043b \u0438\u0437\u0431\u0440\u0430\u043d \u0437\u0430\u043c\u0435\u0441\u0442\u0438\u0442\u0435\u043b\u044c \u043f\u0440\u0435\u0434\u0441\u0435\u0434\u0430\u0442\u0435\u043b\u044f \u043f\u0440\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 \u0420\u0424 \u0410\u0440\u043a\u0430\u0434\u0438\u0439 \u0414\u0432\u043e\u0440\u043a\u043e\u0432\u0438\u0447. \u0421 30 \u0438\u044e\u043d\u044f 2018 \u0433\u043e\u0434\u0430 \u043d\u0430\u0431\u0441\u043e\u0432\u0435\u0442 \u0431\u0430\u043d\u043a\u0430 \u0432\u043e\u0437\u0433\u043b\u0430\u0432\u043b\u044f\u0435\u0442 \u0414\u043c\u0438\u0442\u0440\u0438\u0439 \u041f\u0430\u0442\u0440\u0443\u0448\u0435\u0432, \u0437\u0430\u043d\u0438\u043c\u0430\u044e\u0449\u0438\u0439 \u0441 18 \u043c\u0430\u044f 2018 \u0433\u043e\u0434\u0430 \u0434\u043e\u043b\u0436\u043d\u043e\u0441\u0442\u044c \u043c\u0438\u043d\u0438\u0441\u0442\u0440\u0430 \u0441\u0435\u043b\u044c\u0441\u043a\u043e\u0433\u043e \u0445\u043e\u0437\u044f\u0439\u0441\u0442\u0432\u0430 \u0420\u0424.

\u041d\u0430 1 \u0441\u0435\u043d\u0442\u044f\u0431\u0440\u044f 2021 \u0433\u043e\u0434\u0430 \u043e\u0431\u044a\u0435\u043c \u043d\u0435\u0442\u0442\u043e-\u0430\u043a\u0442\u0438\u0432\u043e\u0432 \u0431\u0430\u043d\u043a\u0430 \u0441\u043e\u0441\u0442\u0430\u0432\u0438\u043b 3,9 \u0442\u0440\u043b\u043d \u0440\u0443\u0431\u043b\u0435\u0439, \u043e\u0431\u044a\u0435\u043c \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u044b\u0445 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u2013 482,5 \u043c\u043b\u0440\u0434 \u0440\u0443\u0431\u043b\u0435\u0439. \u0417\u0430 \u044f\u043d\u0432\u0430\u0440\u044c \u2013 \u0430\u0432\u0433\u0443\u0441\u0442 2021 \u0433\u043e\u0434\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u0430\u044f \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u044f \u0434\u0435\u043c\u043e\u043d\u0441\u0442\u0440\u0438\u0440\u0443\u0435\u0442 \u043f\u0440\u0438\u0431\u044b\u043b\u044c \u0432 \u0440\u0430\u0437\u043c\u0435\u0440\u0435 2,3 \u043c\u043b\u0440\u0434 \u0440\u0443\u0431\u043b\u0435\u0439.

\u0421\u0435\u0442\u044c \u043f\u043e\u0434\u0440\u0430\u0437\u0434\u0435\u043b\u0435\u043d\u0438\u0439:
\u0433\u043e\u043b\u043e\u0432\u043d\u043e\u0439 \u043e\u0444\u0438\u0441 (\u041c\u043e\u0441\u043a\u0432\u0430);
4 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u0438\u0442\u0435\u043b\u044c\u0441\u0442\u0432\u0430 (\u0410\u043b\u043c\u0430\u0442\u044b, \u041a\u0430\u0437\u0430\u0445\u0441\u0442\u0430\u043d; \u0415\u0440\u0435\u0432\u0430\u043d, \u0410\u0440\u043c\u0435\u043d\u0438\u044f; \u041c\u0438\u043d\u0441\u043a, \u0411\u0435\u043b\u0430\u0440\u0443\u0441\u044c; \u041f\u0435\u043a\u0438\u043d, \u041a\u0438\u0442\u0430\u0439);
66 \u0444\u0438\u043b\u0438\u0430\u043b\u043e\u0432;
1001 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u043e\u0444\u0438\u0441;
313 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0445 \u043e\u0444\u0438\u0441\u043e\u0432.

\u0412\u043b\u0430\u0434\u0435\u043b\u044c\u0446\u044b:
\u0420\u043e\u0441\u0441\u0438\u0439\u0441\u043a\u0430\u044f \u0424\u0435\u0434\u0435\u0440\u0430\u0446\u0438\u044f \u0432 \u043b\u0438\u0446\u0435 \u0420\u043e\u0441\u0438\u043c\u0443\u0449\u0435\u0441\u0442\u0432\u0430 \u2013 100,0%.

\u041d\u0430\u0431\u043b\u044e\u0434\u0430\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u0441\u043e\u0432\u0435\u0442: \u0414\u043c\u0438\u0442\u0440\u0438\u0439 \u041f\u0430\u0442\u0440\u0443\u0448\u0435\u0432 (\u043f\u0440\u0435\u0434\u0441\u0435\u0434\u0430\u0442\u0435\u043b\u044c), \u0410\u043d\u0434\u0440\u0435\u0439 \u0418\u0432\u0430\u043d\u043e\u0432, \u0411\u043e\u0440\u0438\u0441 \u041b\u0438\u0441\u0442\u043e\u0432, \u0418\u0440\u0438\u043d\u0430 \u041e\u043a\u043b\u0430\u0434\u043d\u0438\u043a\u043e\u0432\u0430, \u0421\u0435\u0440\u0433\u0435\u0439 \u0420\u0443\u043c\u0430\u0441, \u041d\u0430\u0434\u0435\u0436\u0434\u0430 \u0421\u0430\u043c\u043e\u0439\u043b\u043e\u0432\u0430, \u0414\u043c\u0438\u0442\u0440\u0438\u0439 \u0421\u0435\u0440\u0433\u0435\u0435\u0432, \u0412\u043b\u0430\u0434\u0438\u043c\u0438\u0440 \u0421\u0442\u0440\u0436\u0430\u043b\u043a\u043e\u0432\u0441\u043a\u0438\u0439.

\u041f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435: \u0411\u043e\u0440\u0438\u0441 \u041b\u0438\u0441\u0442\u043e\u0432 (\u043f\u0440\u0435\u0434\u0441\u0435\u0434\u0430\u0442\u0435\u043b\u044c), \u041a\u0438\u0440\u0438\u043b\u043b \u041b\u0435\u0432\u0438\u043d, \u0418\u0440\u0438\u043d\u0430 \u0416\u0430\u0447\u043a\u0438\u043d\u0430, \u0410\u043d\u0434\u0440\u0435\u0439 \u0411\u0430\u0440\u0430\u0431\u0430\u043d\u043e\u0432, \u0410\u043d\u043d\u0430 \u041a\u0443\u0437\u043d\u0435\u0446\u043e\u0432\u0430, \u041e\u043b\u044c\u0433\u0430 \u0421\u0443\u0432\u043e\u0440\u043e\u0432\u0430, \u0415\u043a\u0430\u0442\u0435\u0440\u0438\u043d\u0430 \u0420\u043e\u043c\u0430\u043d\u044c\u043a\u043e\u0432\u0430, \u041f\u0430\u0432\u0435\u043b \u041c\u0430\u0440\u043a\u043e\u0432, \u0415\u043b\u0435\u043d\u0430 \u041b\u0435\u0441\u0438\u043d\u0430, \u0414\u0435\u043d\u0438\u0441 \u041a\u043e\u043d\u0441\u0442\u0430\u043d\u0442\u0438\u043d\u043e\u0432.

\u0410\u043d\u0430\u043b\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0446\u0435\u043d\u0442\u0440 \u0411\u0430\u043d\u043a\u0438.\u0440\u0443

\u0422\u0435\u043b.: (495) 665-52-55 (\u0434\u043e\u0431. 489)

\u0410\u041e \u00ab\u0420\u043e\u0441\u0441\u0435\u043b\u044c\u0445\u043e\u0437\u0431\u0430\u043d\u043a\u00bb \u2013 \u043e\u0434\u0438\u043d \u0438\u0437 \u043a\u0440\u0443\u043f\u043d\u0435\u0439\u0448\u0438\u0445 \u0431\u0430\u043d\u043a\u043e\u0432 \u0420\u0424, \u0441\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0437\u0438\u0440\u0443\u044e\u0449\u0438\u0439\u0441\u044f \u043d\u0430 \u0444\u0438\u043d\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0438 \u043f\u0440\u0435\u0434\u043f\u0440\u0438\u044f\u0442\u0438\u0439 \u0430\u0433\u0440\u043e\u043f\u0440\u043e\u043c\u044b\u0448\u043b\u0435\u043d\u043d\u043e\u0433\u043e \u043a\u043e\u043c\u043f\u043b\u0435\u043a\u0441\u0430. \u0412\u0445\u043e\u0434\u0438\u0442 \u0432 \u043f\u0435\u0440\u0435\u0447\u0435\u043d\u044c \u0441\u0438\u0441\u0442\u0435\u043c\u043d\u043e \u0437\u043d\u0430\u0447\u0438\u043c\u044b\u0445 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u0439 \u0441\u0442\u0440\u0430\u043d\u044b. 100% \u0430\u043a\u0446\u0438\u0439 \u0420\u0421\u0425\u0411 \u043d\u0430\u0445\u043e\u0434\u044f\u0442\u0441\u044f \u0432 \u0433\u043e\u0441\u0443\u0434\u0430\u0440\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0439 \u0441\u043e\u0431\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0441\u0442\u0438. \u041e\u0441\u043d\u043e\u0432\u043d\u044b\u0435 \u043d\u0430\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u044f \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u2013 \u043e\u0431\u0441\u043b\u0443\u0436\u0438\u0432\u0430\u043d\u0438\u0435 \u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0432\u0430\u043d\u0438\u0435 \u043a\u043e\u0440\u043f\u043e\u0440\u0430\u0442\u0438\u0432\u043d\u044b\u0445 \u043a\u043b\u0438\u0435\u043d\u0442\u043e\u0432, \u043f\u0440\u0438\u0432\u043b\u0435\u0447\u0435\u043d\u0438\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432 \u043d\u0430\u0441\u0435\u043b\u0435\u043d\u0438\u044f \u0432\u043e \u0432\u043a\u043b\u0430\u0434\u044b. \u041a\u0440\u0443\u043f\u043d\u0435\u0439\u0448\u0438\u043c \u0438\u0441\u0442\u043e\u0447\u043d\u0438\u043a\u043e\u043c \u0440\u0435\u0441\u0443\u0440\u0441\u043e\u0432 \u0432\u044b\u0441\u0442\u0443\u043f\u0430\u044e\u0442 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430 \u0444\u0438\u0437\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u0438 \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043b\u0438\u0446. «,»banki_reference_part1_eng»:»

Rosselkhozbank was established at the initiative of the Russian government that was approved by the Russian President in 2000. The lending institution was founded by the state-run Agency for Restructuring of Lending Institutions(ARLI, the predecessor of the Deposit Insurance Agency). Since July 2011 100% of the bank’s all shares have been held by the Russian government that is represented by the Federal Property Fund (now the Federal Agency for State Property Management, or Rosimushchestvo). The lending institution’s management board has been chaired by Dmitry Patrushev, a son of Nikolay Patrushev, Secretary of the Security Council of Russia and former FSB chief, since May 2010. Since late October 2012 Rosselkhozbank’s supervisory board had been led by Dmitry Pumpyansky, president of Sinara Group (which controls Ekaterinburg-based SKB-Bank) and board chairman at Trubnaya Metallurgicheskaya Kompaniya (he got no seat in the new supervisory board approved on November 26, 2013). Since 2015 the bank’s supervisory board was chaired by Alexander Tkachev, former Governor of the Krasnodar region and now Russian Minister of Agriculture. Vice PM Arkady Dvorkovich was elected in late June 2017 to chair the bank’ supervisory board. \n

Rosselkhozbank ranks second in Russia by divisions opened. As of June 30, 2017 the bank ran 73 branches and around 1,200 offices in Russian regions. The bank also has foreign representative offices in Azerbaijan, Belarus, Kazakhstan, Armenia and Tajikistan. As of June 30, 2017 the bank’s headcount stood at 30,300 (nearly unchanged against end 2016). \r\n\r\n

Rosselkhozbank’s corporate mission is to satisfy in a comprehensive, quality and efficient manner the needs of agricultural producers and rural population of Russia for banking products and services, assist in forming and operating the advanced national credit and financial system of the Russian agricultural sector, support development of agribusinesses and rural areas. \r\n\r\n

Rosselkhozbank’s customers were and are such companies as Rosagroleasing, Optifood Group, Zadonskaya Poultry Factory, businesses that make up agricultural holding Mordovzernoresurs, Kavelectromontazh, Remstroytorg SK, Primorskaya Poultry Factory, etc. Apart from serving corporate customers, Rosselkhozbank rolls out retail business as well. Households may place available funds on deposit accounts, transfer funds and make payments, lease safety deposit boxes, take out credits, including via Visa and MasterCard credit cards. In June 2016, the financial institution launched the issue of cards powered by Chinense payment system UnionPay. At the service of Rosselkhozbank cardholders are more than 3,500 ATMs in the regions in which the bank carries on business. In addition, customers can withdraw cash using Visa and MasterCard cards at ATMs operated by Alfa Bank, Promsvyazbank, Rosbank and Raiffeisenbank without any additional fees. \r\n\r\n

From January through September 2017 the lender’s net assets rose 6.3% to nearly Rub 3 tln as of October 1, 2017. On the liabilities side, retail deposits jumped by most (+28.7%), while corporate funds contracted, including due to the repayment of subordinated loans. As for assets, liquidity was mainly funneled into corporate loans, high-liquidity provisions and bonds. Meanwhile, the bank also raised some additional liquidity by paying back inter-bank loans the portfolio of which nearly halved. \r\n\r\n

Also, 36.5% of the bank’s liabilities falls to the money held on accounts and deposit accounts of businesses and institutions, with retail deposits accounting for 25.9%. Most retail funds are mid- and long-term deposits. The bank’s clientele is stable, with monthly turnover on customer accounts recently ranging from Rub 1.5 tln to Rub 2 tln. \r\n\r\n

The bank’s bonds and promissory notes account for 7.5% of liabilities, and drawn inter-bank loans account for 4.2% (CBR funds account for just 17.6% of total inter-bank loans drawn). The rest of liabilities mainly falls to capital. As of the balance sheet date, the bank’s capital adequacy ratio was nearly twice as much as the 8% minimum threshold. Last time the bank issued additional shares (worth Rub 25 bln) in September 2017. \r\n\r\n

On the asset side, 63.3% falls to the credit portfolio, securities account for 11.1% of assets, 9.3% falls to funds held at banks, 6.9% to high-liquidity assets (mainly the money held on nostro accounts and cash balances), 7% to other assets, and 0.7% to fixed assets. \r\n\r\n

From January through September 2017 inclusive the lender’s credit portfolio expanded by 6.5%, while the corporate credit portfolio grew by 10.8%. Corporate loans prevail, accounting for 84.2% of the aggregate credit portfolio. Most retail loans were extended for 3Y+, while corporate loans were granted for long-term periods as well. Since January 1, 2017 NPLs have dropped from 11% to 10.6% by early October 2017. The coverage ratio is 7.4%, while the credit portfolio is not fully collateralized (88.1% vs. 100.9% at year-start 2017). \r\n\r\n

Also, 94% of the securities portfolio falls to bonds, with the rest to banks’ promissory notes. Around 60% of the bonds maintained on the bank’s balance sheet falls to Russian government securities, another 21% to Eurobonds, and the remainder to banking and corporate securities issued by Russian businesses. As of the balance sheet date, the bank did not have any balances of securities collateralized against repurchase transactions, with minimum turnover of repurchase transactions. \r\n\r\n

Rosselkhozbank has lately been a net creditor in the domestic inter-bank lending market. Meanwhile, the bank borrows modestly given its balance sheet. \r\n\r\n

According to the RAS financial statement showed, Rosselkhozbank’s 9M17 net profit totaled Rub 767.8 mln vs. Rub 116.5 mln in the same period of 2016. The bank’s FY16 net profit amounted to Rub 909.2 mln. \r\n\r\n

The Supervisory Board: Arkady Dvorkovich (chairman), Oleg Bogomolov, Andrey Ivanov, Denis Morozov, Dmitry Patrushev, Dmitry Pristankov, Vladimir Strzhalkovsky, Mukhadin Eskindarov, and Mikhail Genis. \r\n\r\n\r\n\r\n

The Management Board: Dmitry Patrushev (chairman), Boris Listov, Dmitry Sergeev, Andrey Barabanov, Kirill Levin, Alexey Zhdanov, Irina Zhachkina, Ekaterina Romankova, Oksana Lut, and Pavel Markov. «,»banki_reference_part2_eng»:»»,»bank_additional_information_eng»:»»,»personal_director_date»:»2021-10-14″,»allbanks_counter_start»:null,»engbanks_counter_start»:null,»banki_reference_date»:»2021-10-14 03:00:00″,»banki_news_reference_date»:»2015-12-25 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