FC Otkritie is one of the largest commercial banks in the Russian Federation. The bank is part of the Otkritie financial group. The headquarters is located in Moscow. The financial institution was founded in 1993 and until mid-2014 is known as “Nomos-Bank”.

 

Bank foundation

The initiator of the formation of the banking structure was the ICT Group of Companies. Until 2003, Nomos-Bank acquired 6 large branches. The financial institutions specialization was focused on servicing enterprises that were engaged in gold mining, as well as providing services to the defense industry. In the early 2000s, Moodys agency noted the banks international activities. Over the next five years, the bank has been actively expanding its financial influence on the Russian market:

2005 - takeover of Regiobank;
2010 - purchase of the Khanty-Mansiysk Bank, a universal retail bank.
The IPO was the most important event in the development of the banking business of the Russian Federation. Namely, "Nomos-Bank" became the first commercial organization to enter the London Stock Exchange. The amount of funds amounted to $ 600 million.

Securities of Nomos-Bank were purchased in 2013 by the opening holding, and a year later the bank entered the market under a new brand - Financial Corporation Otkritie. Since 2014, the bank has been a key entity within a financial group. This year, the holdings management announced that a part of the shares of the financial group was excluded from the quotation list of the London Stock Exchange.

In 2015, Nomos-Bank bought a controlling stake in Petrokommerts Bank.

 

Achievements of the bank: assets, clients, areas of activity

Today Otkritie Financial Corporation Bank is the leader among commercial banks in the Russian market according to the provisions of the federal legislation of the Russian Accounting Standards (RAS), and among all financial institutions it occupies the 4th position. The volume of total assets exceeds 3.36 trillion rubles, and the value of its own portfolio is estimated by IFRS at 216 billion rubles. Data presented as of January 1, 2016.

The financial institution has more than half a thousand branches throughout the Russian Federation, which include branches, operational cash desks and offices. Nomos-Bank focuses on the regions that can be a potential source of profit. Therefore, branches and offices are located in the largest regional centers and districts of the Russian Federation, in particular, Volgograd, Novosibirsk, Khabarovsk, Tyumen and others.

Customer service is provided at all levels of the banking business, from the retail segment to offering to the largest corporations.

 

Customer base

The number of business clients of Otkritie FC Bank exceeds 29 thousand. More than 212 thousand representatives of the IB use the banks services, and the number of Nomos-Bank online private clients exceeds 4,300,000. The ATM network includes about 4 thousand self-service units. The number of employees of the banking group exceeds 20 thousand specialists.

 

Achievements in the domestic banking market

Today, the banking institution demonstrates high growth rates and is one of the top five in terms of loan portfolio for business, as well as in the segment of funds attracted from individuals. The bank takes leading positions in different directions, namely, it is in the TOP-10 for the following services:

customer credit;
volumes of financing for SMEs;
the amount of funds allocated within the framework of mortgage lending.

Bank programs for corporate clients

As part of corporate services, enterprises can count on the following services:

settlement operations (management, capital, opening a current account, foreign exchange transactions, notary deposit account, conversion operations, collection, foreign exchange control, cash services);
lines of credit;
overdraft lending;
placement of funds (deposit programs, bills of exchange, certificates);
operations with precious metals.

Credit programs

Bank FC "Otkrytie" ("Nomos-Bank") offers a number of credit programs. As part of the provision of funds, loans are provided, which are credited to the current account at a time. Credit lines are provided separately, providing for the use of funds during the period specified in the agreement. Also, clients are allocated revolving and multi-currency credit lines. In most cases, multicurrency loans are in demand for leasing transactions.

 

Overdraft

One of the services provided by "Nomos-Bank" online is the presentation of an overdraft loan. By obtaining a loan from a bank, business owners have the opportunity to transfer funds to counterparties without using finance that is in circulation. Thus, you can eliminate the formation of cash gaps.

Clients are offered 4 types of overdraft lending, namely:

traditional;
corporate;
using a transitional period;
with the possibility of monthly payment.
Companies that do not use accumulative programs in the bank have the opportunity to receive funds. In addition, Nomos-Bank does not require collateral for lending, and with an increase in financial flows, it provides for an increase in credit limits.

At the same time, certain requirements are imposed on a business representative, in particular:

implementation of activities - 3 years;
the minimum number of supplier companies is 5;
the minimum number of buying companies is 10 (with the exception of borrowers who use the collection service at the bank);
loan duration - 365 days.

Programs for placing funds in the financial corporation "Otkritie" ("Nomos-Bank") for corporate clients: certificates

The certificates offered by the bank are a deposit tool that secures the clients rights to receive funds in the form of a principal deposit, as well as interest. Nomos-Bank issues certificates of deposit on the basis of an agreement. The settlement currency is rubles. Placement terms can range from one month to 3 years. The indicative rate for placement for one month is 8.65%, for a period of one year - more than 9%. Fixed income is charged on strictly set lines. The “Nomos-bank” card can be used to receive funds. The certificate of deposit itself is not legal tender.

 

Purchase and placement of bills

Unlike certificates of deposit, the holder of bills of exchange can use them not only as an accumulation of deposits, but to make payments to counterparties. In addition, Nomos-Bank online allows its clients to use promissory notes as collateral. The essence of the purchase of securities is simple and provides for the conclusion of an agreement, which requires the provision of a standard package of documents (similar to when opening a standard RS).

The minimum value of a bill is 5 million rubles. Some indicative rates in various currencies of the world when placing promissory notes.

Russian ruble: 30 days - 8.9%, more than 365 days - 9.15%;
American dollar: 30 days - 0.1%, more than 365 days - 1.4%;
Euro: 30 days - 0%, more than 365 days - 0.3%;
NZD (New Zealand dollar): 30 days - 1.69%, more than 365 days - 2.89%;
Chinese yuan: 30 days - 1.18%, more than 365 days - 3.68%;
Pound Sterling: 30 days - 0%, more than 365 days - 1.16%;
ZAR (South Africa): 30 days - 6.41%, more than 365 days - 8.33%.
When purchasing securities, settlements can be made in different currencies at the rate that is current at the time of purchasing the securities. Buying a bill in “Nomos-Bank” denominated in rubles allows the client to receive optimal income at a fixed rate without the need for currency conversion.

Deposit programs for business from the bank FC "Otkritie" ("Nomos-Bank")

Nowadays, it has become much easier to manage liquid funds, especially when it comes to remote service, with which you need to spend a few minutes to open a cash account. Online service "Nomos-Bank" provides for such an opportunity within the framework of the "Client-Bank" program, which is available to all business representatives. The principle of placing a savings deposit is as follows:

the client enters into a general agreement with the bank, which allows opening accounts remotely;
one of the deposits offered by the financial institution is selected ("Classic", "Flexible");
funds are transferred in real time (to deposit);
an application is sent to the bank support service.

Some deposits from the bank FC "Otkrytie" ("Nomos-Bank")

As of July 2016, the bank allows you to use several deposit programs. Each of the presented deposits has the ability to pay interest rates. For payments can be used a card "Nomos-Bank", current account. It also provides for capitalization of interest and prolongation of the deposit.

Some savings deposits

Deposit "Classic". Currency: rubles, dollars, euros. The minimum term is 2 years.
"Flexible". Currency: rubles, dollars, euros. The minimum period is 60 days.
"Early". Currency: rubles, dollars, euros. The minimum term is 1 year.

Financial transactions with precious metals

FC Otkritie (Nomos-Bank) actively cooperates with financial institutions, investors, jewelers and companies that are engaged in the production and mining of precious metals. Loans are provided to enterprises that mine precious metals and are engaged in processing. Leasing programs are also provided. In the list of implemented projects, it is worth highlighting the financing of the Buryatzoloto company (2006), as well as a number of construction projects, for example, the Valunistoye GOK, Tidit CIF and others.

Otkritie FC Bank conducts operations related to the purchase and sale of precious metals, concludes options and futures agreements, and supplies bullion to the countries of the near and far abroad.

Clients of "Nomos-Bank" online represented by legal companies can open anonymized accounts in precious metals, buy and sell them, as well as transfer them to a financial institution for safekeeping. Opening and closing a metal account is free of charge. Withdrawal from accounts of gold, silver and other precious metals provides for a commission, which is established between the parties on the basis of an agreement. The funds are disbursed at a price set by the Central Bank of the Russian Federation at the time of completion of the transaction.

 

Trading operations with precious metals

Bank FC "Otkrytie" ("Nomos-Bank") has a powerful correspondent network, which allows deliveries of gold, silver, platinum to almost all countries. Interested parties can use the service of buying or selling precious metals on the classical market or on the largest stock exchanges, for example, CBOT or RTS. Clients can perform conversion of financial positions, receiving gold as a calculation for it.

Financial institution FC Otkritie has high liquidity in the banking market. With its help, corporate clients can customize their investment portfolio for the conditions of the modern market. At the same time, a wide range of services for individuals is offered, which is distinguished by reliability and minimal costs.