Alexey Rastunin

The bank was included in the top 100 most reliable Russian banks according to Forbes magazine. The international rating agency Fitch Ratings confirmed the long-term rating at "BB-", outlook "stable". Launch of the updated version of the "Avers ONLINE" online bank.

International rating agency Fitch Ratings upgraded its long-term rating from "BB-" to "BB", outlook "stable". The Bank started issuing cards of the national payment system "MIR" and issuing cards with VISA payWave technology.

Activity.

Main divisions for 2020:

Corporate and investment business - banking services for large companies and financial institutions; income from external clients 682 billion, assets 9.3 trillion rubles.

Medium and small business - banking services for small and medium-sized businesses; income 148 billion, assets 2 trillion rubles.

Retail business - banking and insurance services to individuals; income 551 billion, assets 6.05 trillion rubles.

Treasury — operations with securities, work in financial markets; income 53.5 billion, assets 3.41 trillion rubles.

Other business - non-banking business, in particular construction; income 64.1 billion, assets 324 billion rubles.

Net interest income in 2020 amounted to 531.7 billion (income 1.055 trillion, expenses 496 billion), net commission income — 136.8 billion rubles, income tax expenses — 14.4 billion. Of the 18.1 trillion assets at the end of 2020, 12.3 trillion were loans issued (of which 8.4 trillion to legal entities); customer funds amounted to 12.8 trillion of the bank's liabilities. Russia accounts for 79% of assets.

Grain cluster.

Since 2019, VTB has created a major player in the grain market in Russia — the united grain holding Demeter-Holding. The bank entered the non-core grain business in order to combine assets related to the export and storage of grain, including terminals on the Black Sea, and thereby become the largest trader of Russian wheat. By 2020, the bank owns 50% minus 1 share of the United Grain Company (UGC), 100% of the shares of the Novorossiysk Grain Terminal, through the UGC and directly — the Novorossiysk Bakery Plant (share in the marine terminal 35.36%), a controlling stake in the Rustranskom railway holding (includes Rusagrotrans, which has half of grain wagons in the Russian Federation), 50% of shares in the Taman grain terminal (to which railway tracks have yet to be brought), a controlling stake in a large grain exporter Mirogroup Resources. In March 2020, the bank acquired a grain transportation business from the Fesco transport group.

In April 2020, VTB Group's grain business, concentrated in Demeter Holding, included strategic partners Agronova JSC (25%) and Marathon Group investment group (24.99%). VTB is the owner of Demeter Holding with a controlling stake, but the partners began to exercise operational control in the holding jointly.

Social policy.

VTB Bank provides sponsorship and charitable support in the field of sports, culture, as well as in the social sphere.

Sport.

VTB has been the general sponsor of the KAMAZ-Master rally team since 2005.

The Bank has been the title sponsor of the VTB VTB United League since 2008— a basketball tournament with the status of the championship of Russia.

Since 2013, the Bank of Moscow, a member of VTB Group, has supported the city bike rental "Velobike", a project of the Department of Transport and Development of Road Transport Infrastructure in Moscow. In 2016, after the merger of the banks, the project was completely transferred to VTB. The bank's total investments in the project amounted to 700 million rubles by 2017. In 2018, the number of trips exceeded 3 million.

In 2016, VTB became the title sponsor of the VTB Kremlin Cup tennis tournament (the previous name was the Bank of Moscow Kremlin Cup).

Since 2017, VTB Bank has been the title partner of the Russian stage of Formula 1 in Sochi - Formula 1 VTB Russian Grand Prix.

In 2017, the bank bought a stake in the VTB Arena Park development project from Dynamo football club for 6.5 billion rubles. In 2018, VTB acquired the rights of the title sponsor of the VTB Arena Park project for 2.4 billion rubles, which includes a new football stadium and a universal arena erected in Moscow on the site of the old Dynamo stadium.

On April 30, 2019, the bank closed a deal to purchase a controlling stake in the unprofitable Dynamo football club for 1 ruble. Previously, the bank sponsored this team. The Board of Directors of the club was headed by the first vice-president of VTB Yuri Solovyov, the CEO was Yuri Belkin.

In April 2021, VTB became the owner of 45% of shares in the new motor racing complex "Igor Drive" in the Leningrad region.

Culture.

The Bank is a member of the Board of Trustees of the Bolshoi Theater and the non-profit organization "Bolshoi Theater Foundation", established in 2002. VTB supported many Bolshoi premieres, including "The Lady with Camellias", "Ivan the Terrible", "Onegin", "Sleeping Beauty", "The Snow Maiden", "Romeo and Juliet", "The Legend of Love", "Manon Lescaut" and others.

Since 2002, VTB has been the general partner of the Pyotr Fomenko Workshop Moscow Theater.

Since 2002, the bank has been a member of the Board of Trustees of the State Tretyakov Gallery. With the support of VTB, the museum presented many unique expositions, including the exhibitions of Valentin Serov, Ivan Aivazovsky, Zinaida Serebryakova and Vasily Vereshchagin.

Cooperation between VTB and the Pushkin State Museum of Fine Arts began in 2005. In 2016, the Bank became the general partner of the museum, in 2017 it supported the status of the general sponsor of the Venice of the Renaissance exhibition. Titian. Tintoretto. Veronese" and "Chaim Soutine. Retrospective", in 2018 — became the general sponsor of the museum.

Since 2006, VTB has been the general partner of the Mariinsky Theatre in St. Petersburg, where, in particular, in 2012, with the support of the bank, the premiere of the opera Boris Godunov took place.

Cooperation between VTB Bank and the State Hermitage Museum began in September 2013. The Bank promotes the museum's exhibition activities and the implementation of its innovative projects. So, in 2017, with the support of VTB Bank, the museum hosted the exhibition "The Winter Palace and the Hermitage. 1917. History was created here."

Russian Russian Museum In 2002, the bank became a member of the International Society "Friends of the Russian Museum", and in 2004 — a member of the Board of Trustees of the Russian Museum. During the cooperation, VTB has supported such exhibitions of the museum as "Diaghilev. The beginning", "Nicholas Roerich. 1874-1947", "Vasily Vasilyevich Vereshchagin. To the 175th anniversary of his birth", "Kuzma Sergeevich Petrov-Vodkin. To the 140th anniversary of his birth."

Since 2014, the bank has been providing charitable assistance to the Jewish Museum and the Tolerance Center. In the fall of 2017, VTB took part in the organization of the exhibition "To everyone for freedom? The history of one nation during the revolution." In 2018, with the support of the bank, the exhibition "Isaac Levitan and the author's cinema" is being held.

Since 2010, VTB Bank has been cooperating with the popular program "What? Where? When?" (until 2016, the Bank of Moscow, which later became part of VTB, collaborated with the telecast).

Healthcare.

As part of its own charity program "World without Tears", launched in 2003, by 2020 the bank has provided assistance to children's hospitals in 73 regions of Russia, from Kaliningrad to Kamchatka, including Moscow.

In 2018, the "World without Tears" campaign was held in 21 cities of Russia, in 2019 and 2020, the program budget for 25 and 26 children's hospitals amounted to 75 million rubles each.

In addition, VTB for several years (from 2014 to 2018) implemented a program to support children's healthcare institutions in Karelia.

VTB Group and its subsidiaries.

VTB Bank is the parent structure of VTB Group. The geography of the group's activities, along with the CIS countries, covers the states of Western and Eastern Europe, Asia and Africa. In the CIS countries, the Group is represented in Armenia, Belarus, Kazakhstan, and Azerbaijan. VTB banks in Austria, Germany and France operate under a European sub-holding headed by VTB Bank (Austria). In addition, the Group has subsidiaries in the UK, Cyprus, Serbia, Georgia, Angola, China, India, Singapore and Dubai.

History .

The bank was founded in 1992 under the name Technopolis Innovation Bank. In 2002, Home Credit Group acquired Tekhnopolis Innovation Bank. On July 16 of the same year, the first loan under the Home Credit brand was disbursed in Russia. In the same year, the first branch office and sales outlet were opened.

In 2003, the Bank entered into a partnership agreement with Eldorado and started its geographic expansion. In 2004, the bank issued its first credit card and received its first profit for the year. Points of sales "Home Credit" were opened in all federal districts of Russia, except for the Far East. In 2005, the bank opened its first credit-cash office and disbursed its first cash loan.

In 2006, the bank focused on improving its underwriting and antifraud system, and launched a mortgage lending program. In 2007, the bank emerged as a leader in the credit card market and was one of the first in the market to hold a 0-0-24 promotion. "Home Credit" began to move from a monoliner bank model to a universal retail bank. It launched a program of car loans, began attracting deposits from individuals and issuing debit cards.

In 2008, Home Credit optimized its strategy, responding flexibly to the crisis. The bank focused on cash loans and point-of-sale loans, phasing out mortgages and car loans.

In 2009, the bank entered the market payroll projects, developing a network of ATMs, offering customers SMS-notification and Internet banking. "Home Credit" becomes number 1 in the market for lending at points of sale.

In 2010, the bank continued its active regional expansion, opening "light" format bank offices and using the agent network.

In 2011 the bank's branch network covered the whole of Russia. For the first time the volume of cash loans exceeded the volume of POS-loans.

In July 2012 the bank announced a transition to the strategy of operating as a financial store. At the end of the year the bank ranked third in the retail lending market after Sberbank and VTB24, and was among the top ten banks in terms of its retail deposit portfolio. In 2012, the Bank achieved the record profit under IFRS for the whole period of its existence - over 19 bn. rubles.

In January 2013, the bank announced the acquisition of JSC Home Credit Bank (Kazakhstan), which is also part of the Home Credit B.V. Group. In April, Home Credit launched the "Polza" loyalty program. In the same year, Home Credit customers were able to apply for a cash loan through the Internet bank without visiting the office.

In March 2015, Yuri Andresov became Chairman of the Bank's Management Board.

In 2016, Home Credit issued a debit card with the "Polza" loyalty program - the Cosmos card.

In 2017, the bank rebranded: it updated the logo and corporate identity. "Home Credit" began to focus on a younger audience, which prefers online, installments and "smart shopping". In the summer of 2017, Home Credit Bank launched Russia's first online platform "Goods in Installments", which combined products in installments from partner stores. In 2017, the bank also issued an installment card with the ability to pay not only in the bank's partner network, but also in any store of the customer's choice.

In July 2018, the bank was among the first to accept customers' biometric data and register them in the Unified Biometric System as part of the Digital Economy of the Russian Federation program. In the same month, a loan with fully remote customer identification was issued. In November 2018, the bank's installment card received new options and a new name, Svoboda. In the same year, Home Credit was the first in the market to launch cash loans to the card of any Russian bank.

In 2019, the bank launched several new products, including the premium debit card "Polza Travel" and the service Masspayment - a system of mass sending of salary payments for legal entities.

In 2020, the bank continued to develop remote services - the voice assistant "Maria" was launched, a gradual transition to a unified mobile application "Home Credit" began. In April, the credit card project with free service and a bonus program "Credit Polza" was launched. In the autumn of 2020, a project was launched to provide installment payments for users of the VKontakte network who make purchases using the VK Pay payment system. In October 2020 Dmitry Peshnev-Podolsky became the chairman of the bank's board. At the end of 2020, the service of interest-free transfers from Polza card to Sberbank account by phone number was launched.

In spring 2021 the bank began restructuring its business. As a result, three key blocks were highlighted - daily banking (debit cards, transactional business, deposits, investment retail products, insurance, mobile application and Internet banking), development of digital partnerships (building a digital platform based on partnerships with manufacturers, retail and financial institutions) and consumer lending (POS loans, non-purpose cash loans, secured consumer loans, credit cards and installment cards). This restructuring is believed to have allowed the bank to optimize management and improve profitability.

Owners and management.

The bank is owned by Dutch Home Credit, part of the Czech PPF Group.

The chairman of the board of directors is Jiří Šmejc. Chairman of the Board of Directors - Dmytro Pesniew-Podolski.

Recognition.

In 2019, Home Credit Bank was ranked among the best banks in the world by the American Forbes magazine. The ranking was prepared jointly with the research company Statista. In the same year, the mobile application "My Credit" topped the rating of the best mobile banks in the Digital Office category for individuals according to the report Mobile Banking Rank - 2019 by the consulting agency Markswebb, cards with "Polza" program were recognized as the best loyalty program cards according to Frank RG, and the debit card "Polza" became the bank card of the year according to the financial portal Banki.ru.

In 2020, Home Credit was named one of the world's best banks by American Forbes for the second year in a row.

In the fall of 2021, 6 managers of the bank were included in the prestigious annual rating of the Association of Managers of Russia (AMR) and the publishing house "Kommersant" (all - in the category "Commercial Banks").

In its present form, the bank was formed by Otkritie Holding Financial Group as a result of the integration of more than 10 banks on the basis of Nomos Bank (the largest bank within the holding from 2012 to 2017), including Khanty-Mansiysk Bank ("HMB Otkritie"), Petrocommerce Bank, Novosibirsk Municipal Bank, Sverdlovsk Governorate Bank, Otkritie Investment Bank (Otkritie IA), Russian Development Bank and others. Phased integration was carried out in the 2000s - 2010s, as a result, FCO Bank became the largest private bank in Russia. In 2017, the bank came under the control of the Central Bank of the Russian Federation. Binbank and partially the assets of Trust Bank, Absolut Bank and Rosgosstrakh Bank were also merged into BFKO.

The lending institution, now known as Otkritie Financial Corporation and BFKO Bank, was registered on December 15, 1992 as TIPCO Venture Bank, which was later renamed into Nova Moskva, Nomos Bank, and finally Bank FKO.

Current operations

It is a universal bank, which develops different lines of business: corporate, investment, retail, SME and Private Banking. It is included in the list of systemically important credit institutions approved by the Central Bank of the Russian Federation. According to Banki.ru, as of March 1, 2019, the bank's net assets - 2,157.39 billion rubles (8th place in Russia), capital (calculated in accordance with the requirements of the Central Bank of Russia) - 320.89 billion, loan portfolio - 851.95 billion, liabilities to the population - 824.12 billion[9].

The client base of the merged bank has over 7,300 large corporate clients, 180,000 small business clients and about 2.7 million retail clients, including premium customers. More than 745 bank branches of various formats are located in 69 economically important regions of Russia. Otkritie Bank has been operating on the financial market since 1993, and is developing the following business lines: corporate, investment, retail, small and medium-sized business, as well as private banking. The Bank of Russia is the shareholder of Otkritie Bank with 99.99% stake.

FCO

In May 2017, S&P downgraded Otkritie Financial Corporation from BB- to B+. Among the reasons stated: "In addition, we take into account the bank's "moderate" capitalization performance, as determined by the risk-adjusted capital (RAC) ratio, which stood at 6.5% as of the end of 2016. We also note a higher volume of problem loans than other large Russian banks, their slower recovery and lower reserve coverage, as well as insufficient collateral on some large loans to construction companies.

In July 2017, the rating agency ACRA assigned FC Otkritie an extremely low rating of BBB-, which will prevent the bank from raising funds from the federal budget and NPF. In addition, its new securities are not on the Lombard list of the Central Bank.

In May 2018, ACRA upgraded the credit rating of PJSC Bank FC Otkritie to A+(RU), outlook Stable. In February 2019, Moody's upgraded its long-term senior unsecured debt and deposit ratings in foreign and local currency to "Ba2" from "B1". Also in April 2019, Expert RA agency upgraded the creditworthiness rating of FC Otkritie Bank to "ruAA-". The rating has a "stable" outlook. In May 2019, the Analytical Credit Rating Agency (ACRA) upgraded the credit rating of Otkritie Bank to "AA-(RU)", outlook - "stable".

Promsvyazbank (PSB) is a Russian bank founded in 1995.

Its headquarters are in Moscow.

PSB is included in the list of systemically important credit institutions compiled by the Bank of Russia, and is among the top 10 banks in the country in terms of assets.

Since 2019, PSB is the backbone bank for operations under the state defense order and major government contracts.

At the end of 2020, the bank's network had about 300 sales offices in Russia.

PSB is among the top ten banks in terms of issuing mortgages, in September 2020 it ranked ninth in the top 10 banks for issuing preferential mortgages of the State Program 2020. PSB also has about 40% of the military mortgage market.

According to the volume of the loan portfolio for small and medium-sized businesses, PSB is also among the top 5 banks in the country with a total portfolio of almost 100 billion rubles by the end of 2019.

History.

At the origins of the bank were brothers Alexei and Dmitry Ananyev. "Promsvyazbank" received a license on May 12, 1995. Initially the bank was engaged in servicing IT and communications companies, but since 1998 it has been actively developing its international and corporate business, and in the mid-2000s it began to develop as a universal lending institution and entered the top twenty largest banks in the country.

The period from 2010 to 2015 in the history of PSB was marked by the merger and takeover of a number of other banking structures - Volgoprombank, Pervobank. During the same period - in 2014 - PSB became one of the three banks that the Central Bank of Russia recognized as systemically important.

On December 15, 2017, the Central Bank announced the bailout of PSB through the Banking Sector Consolidation Fund and its decision to introduce temporary administration in it. The Central Bank estimated additional capitalization of the bank at 100-200 billion rubles, the final amount exceeded 260 billion rubles. In May 2018, the bank's shares were transferred to the treasury of the Russian Federation; in September of the same year, the temporary administration completed its work, and the bank was headed by Pyotr Fradkov.

New story.

In May 2020, Promsvyazbank completed the merger with Svyaz-bank. After the merger, PSB's assets grew by more than 200 billion rubles.

In 2019, PSB began to implement the tasks under the national projects "Small and medium-sized enterprises and support for individual entrepreneurial initiative", "Healthcare", "Digital economy of the Russian Federation" and "Demography".

In 2020, the bank financed small and medium-sized businesses for a total of 50 billion rubles as part of the government anti-crisis programs adopted to support the economy against the backdrop of the coronavirus pandemic, and provided over 6.5 thousand loans worth over 21 billion rubles under the government program of preferential mortgages.

In the spring of 2021 "Roskosmosbank" was merged with "Promsvyazbank", serving the 120 companies which are part of "Roskosmos", and about 200 thousand employees of this State Corporation. Since March 29, 2021 PSB is listed "in the process of reorganization in the form of joining to other legal entities.

The government of the Russian Federation plans to recapitalize Promsvyazbank in 2022 from the budget funds in the amount of 13 billion 731 million rubles. In 2020, the bank has already received state support in the amount of 25 billion rubles.

The mission of the Bank of Russia is to ensure financial and price stability and promote the development of a competitive financial market.

The Bank of Russia has a special constitutional and legal status, as set out in Article 75 of the Constitution of the Russian Federation. It defines the exclusive right of the Bank of Russia to issue money and its main function is to protect and ensure stability of the rouble.

The Bank of Russia is independent of other federal authorities, authorities of the constituent entities of the Russian Federation, and local authorities.

The status, goals, functions, and powers of the Bank of Russia are determined by Federal Law No. 86-FZ of 10.07.2002 "On the Central Bank of the Russian Federation (Bank of Russia)" and other federal laws.

In 2013, the Bank of Russia was delegated the authority to regulate, control and supervise financial markets.

As a mega-regulator, the Bank of Russia creates conditions for the development of all sectors of the financial market and the stability of the financial system as a whole. This task determines the approaches to the supervision and regulation of credit institutions, insurance companies, pension funds, microfinance organizations, and other financial market participants.

Legal status and functions.

Article 75 of the Constitution of the Russian Federation establishes a special legal status of the Central Bank of the Russian Federation, gives it the exclusive right to issue currency (Part 1) and stipulates the protection and stability of the rouble as its main function (Part 2). The status, purposes, functions and authorities of the Bank of Russia are also spelled out in Federal Law No. 86-FZ of July 10, 2002, 'On the Central Bank of the Russian Federation (Bank of Russia)' and other federal laws.

In accordance with Article 3 of the Federal Law 'On the Central Bank of the Russian Federation (Bank of Russia)', the objectives of the Bank of Russia are: protecting and ensuring stability of the ruble; developing and strengthening the banking system of the Russian Federation; ensuring stability and development of the national payment system; developing the financial market of the Russian Federation; ensuring stability of the financial market of the Russian Federation.

A key element of the legal status of the Bank of Russia is its independence, which implies, above all, that the Bank of Russia is a special public and legal institution that has the exclusive right to issue currency and organise its circulation. The Bank of Russia is not a government body, at the same time, its powers are by their nature related to the functions of the government, as their implementation involves the application of the measures of state coercion. The Bank of Russia exercises the functions and powers assigned to it by the Constitution of the Russian Federation and the Federal Law On the Central Bank of the Russian Federation (Bank of Russia) independently of the federal government bodies, government bodies of the subjects of the Russian Federation and local authorities. The independence of the Bank of Russia is reflected in Article 75 of the Constitution of the Russian Federation, as well as in Articles 1 and 2 of the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)".

The Bank of Russia's rule-making powers are based on its exclusive right to issue regulations that are binding on the federal authorities, authorities of constituent entities of the Russian Federation, local authorities, and all legal entities and individuals on the matters referred to its competence by the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)" and other federal laws. Article 104 of the Constitution of the Russian Federation does not give the Bank of Russia the power to initiate legislation, but it is involved in the law-making process not only by virtue of issuing its own regulations, but also because the drafts of federal laws and statutory acts of federal bodies of executive power concerning the functions of the Bank of Russia must be submitted to the Bank of Russia for conclusion.

The Bank of Russia is a legal entity. The authorized capital and other property of the Bank of Russia are federal property, and the Bank of Russia is endowed with property and financial independence. The authority to own, use and dispose of the property of the Bank of Russia, including the gold and foreign currency reserves of the Bank of Russia, shall be exercised by the Bank of Russia itself in compliance with the objectives and in accordance with the procedure established by the Federal Law "On the Central Bank of the Russian Federation (the Bank of Russia)". No property of the Bank of Russia may be seized or encumbered with liabilities without its consent, unless otherwise is prescribed by the federal law. The financial independence of the Bank of Russia shall be shown by the fact that the Bank of Russia shall finance its expenditures from its own revenues. The Bank of Russia has the right to defend its interests in court, including international courts, courts of foreign states, and arbitration courts.

The state is not liable for the obligations of the Bank of Russia, just as the Bank of Russia is not liable for the obligations of the state, unless they have assumed such obligations or unless otherwise stipulated by federal laws. The Bank of Russia shall not be liable for obligations of credit institutions and non-credit financial institutions, except in cases where the Bank of Russia assumes such obligations, and credit institutions and non-credit financial institutions shall not be liable for obligations of the Bank of Russia, except in cases where credit institutions and non-credit financial institutions assume such obligations.

The Bank of Russia is accountable to the State Duma of the Federal Assembly of the Russian Federation (hereinafter - the State Duma), which appoints and dismisses the Chairman of the Bank of Russia (as advised by the Russian President) and members of the Board of Directors of the Bank of Russia (as advised by the Chairman of the Bank of Russia, agreed with the Russian President); sends and recalls representatives of the State Duma to the National Financial Council within its quota, and also considers the o On the basis of the proposal of the National Financial Council the State Duma shall be entitled to decide on the audit of the financial and economic activities of the Bank of Russia, its structural subdivisions and institutions by the Accounts Chamber of the Russian Federation. In addition, the State Duma shall hold parliamentary hearings on the activities of the Bank of Russia with the participation of its representatives, as well as hear the reports of the Chairman of the Bank of Russia on the activities of the Bank of Russia in presenting the annual report and the main directions of the unified state monetary policy.

Ak Bars Bank is a Russian joint-stock commercial bank.

Its head office is located in Kazan. The Bank holds all types of banking licenses existing in the Russian Federation and provides more than 100 types of banking services to corporate and private clients.

The Bank was registered on November 29, 1993.

As of the beginning of 2018, Ak Bars Bank serves more than 3.1 million individuals and over 67 thousand corporate clients. Paid authorized capital is RUB 48.1 billion. The amount of equity capital as of January 1, 2020 - 78.2 billion rubles.

The rating estimation of rating agency "Expert RA" - "ruA-", the forecast - "stable" (on March, 23rd, 2021), ESG-rating - "ESG-III", the forecast - "stable" (on November, 8th, 2021).

The territorial network as of September 1, 2020 - 223 offices (129 additional offices, 11 operational cash desks, 83 operational offices).

Ak Bars Bank was an official partner of the 27th World Student Games - Universiade in Kazan in 2013, and the National Partner of the 16th FINA World Championships in Kazan in 2015.

Ak Bars Bank is a member:

S.W.I.F.T. World Banking Telecommunication Community,

Reuters Dealing Information and Dealing System,

Moscow Interbank Currency Exchange (MICEX),

Association of Bill Market Participants (ABMeR),

Association of participants of the payment services market "Non-commercial partnership "National Payment Council",

PJSC Moscow Exchange,

Non-commercial partnership "National Council of Financial Market",

Member of self-regulated organization "National Association of Stock Market Participants",

Association for the Development of Financial Technologies (FinTech Association),

First Interbank Fintech Accelerator "FintechLab",

Banking Association of Tatarstan and Association of Russian Banks.

Biomedical engineering has recently emerged as its own research, compared to many other engineering fields. Such ev is a common occurrence, as a new field moves from inter- and specialized specialization among already existing fields to independent consideration of the field. Most of the work in the field of biomedical engineering consists in research and development, in a wide range of subfields.

Outstanding biomedical engineering applications include the development of biocompatible prostes, various diagnostic and therapeutic medical devices ranging from clinical equipment to microimplants, conventional imaging equipment such as MRI and ECG, regenerative growth CISS, pharmacological drugs and therapeutic biopreparations.

BIOMEDICAL ENGINEERING, development and application of technical devices for biological and medical research. This is an area of joint work of technologists, biologists and doctors aimed at acquiring fundamental knowledge about the physical characteristics and functioning of biological materials. The acquired knowledge is used by these scientists to create devices, perform operations and develop new techniques that contribute to improving people's health and quality of life.

Among the achievements of biomedical engineering made possible by such cooperation are dialysis machines designed to replace sick and poorly functioning kidneys; hip and knee prostheses; materials and technologies for heart and blood vessel operations; artificial heart.

Banki.ru is a financial portal on the Runet, which includes a financial supermarket, a news agency, thematic forums and interactive services.

In October 2018, "Banki.ru" became a member of the "Marketplace" project of the Bank of Russia.

"Banki.ru" ranks 8th by revenue and 12th by growth rate in the rating of the largest and fastest growing fintech companies in Russia for 2018-2020. (compiled by the Atlanta Business Club and Smart Ranking).

As of May 1, 2020, it ranked first in Yandex and Google mobile search among sites that provide banking services.

At the time of its creation, "Banki.ru" portal represented the first database on deposits in Russian banks in the Runet.

The basis of the agency's information activities are Russian and international news on banking and macroeconomic topics. According to Medialogy's rating for 2020, Banki.ru ranks second in the rating of the most quoted media resources of the Russian financial industry.

In 2005, the site launched the "People's Rating" service, which assesses the level of service and quality of services provided by banks on the basis of feedback from visitors to Banki.ru. Representatives of over 200 Russian banks responded to customer feedback. Also, as part of the "Hot Line" service, representatives of over 20 banks answer visitors' questions. Every year since 2007, the bank that receives the best customer reviews is awarded the "Bank of the Year" award in the "People's Rating" category.

Translated with www.DeepL.com/Translator (free version)

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