When applying for a loan at a bank, few people think about the difficulties that may arise as it is repaid. For example, one of the most common problems is revoking a license from a lender. As a result, many are simply at a loss to guess who and how to pay the loan. This is exactly what happened with an organization like Probusinessbank. In order to reduce the intensity of passions among panicky borrowers, we decided to tell in detail where to pay Probusinessbank loans after its liquidation. We will tell you more about this further.

Brief information about the bank

Probusinessbank was founded in early 1993. Since its inception, this has set a course for Later, it has introduced car loan programs into its universal service portfolio and began to issue loans to individuals. It was these innovations that helped the bank to take a leading position in this niche by 1998.

At the end of 2006, OJSC JSCB Probusinessbank joined the large Life holding, continuing to focus on clients operating in various business structures. Closer to 2015, in addition to this financial institution, other banks joined the Life group. And the lending institution itself has acquired an enviable retail network of 230 offices and branches, and a full-fledged operating cash desk.

What services did the bank offer to its clients?

During its work, OJSC JSCB "Probusinessbank" offered its customers the following types of services:

• deposit programs;
• design and;
• overdrafts;
• factoring and leasing;
• acquiring;
• currency operations;
• rental of safes and cells;
• rEPO transactions;
• letters of credit;
• remote service and many others.

At that time, among the regulars of this financial organization, such companies as Moscow Coffee House on Shares, Bogorodskie Delicatessen, Izhorskiye Zavody, Volga Shipyard and others were noticed.

Revocation of a license: what are the reasons

Despite high ratings and great popularity among business representatives, the bank still lost its license. It happened in early August 2015. The main reason for this decision of the regulator was the systematic violation of federal legislation by Probusinessbank. And of course, the financial institution did not do without a high-risk credit policy followed by investing money in low-quality assets. In a word, "finita la comedy". This is how the activity of the central player in the credit policy of the Life group, better known as Probusinessbank, ended. How to pay off a loan after revoking a license from a given financial institution, we will talk further.

Where can I find the details of credit institutions for payment?

The revocation of the license from their favorite lender was a real shock for the bank's clients. Most of the borrowers, as we have already said, were quite large entrepreneurs, so none of them fell into despair. However, among them there were also individuals who were interested in where they should turn now in order to repay the ill-fated loan. Many of them even gathered at one time near the Moscow office of the bank and picketed the entrance to the building. They demanded explanations from the company's management and, of course, the return of money on deposits.

Having warned the public unrest in advance, the Agency reported the details of Probusinessbank to pay for the loan. The representative office of the organization published this information two days after the revocation of the bank's license on its official website. At the same time, information was indicated separately for individuals and legal entities, as well as for borrowers who previously issued loans in national and foreign currencies (US dollars and euros).

Attention! The agency's website has a reminder for all defaulters. According to this message, penalties will be applied to legal entities and individuals for non-payment of the loan.

How to find out the necessary details for the loan payment?

To find out the details of "Probusinessbank" for payment of the loan, you must perform the following simple steps:

• go to the main page of the ASV asv.org.ru;
• from the menu list (located in the upper left corner of the site) select "Bank liquidation";
• select “Probusinessbank” from the alphabetical directory under the letter “P”;
• go to the page with details.

Similar information about bank details and partner banks can be found on the website prbb.ru.

In which banks can you pay a loan without a commission?

Despite the fact that the Deposit Insurance Agency has already appointed several financial institutions ready to accept payments on loans from a bankrupt bank, many borrowers prefer to pay a loan to the nearest financial institutions, most of which are clearly not ready to work for a “thank you”. They take this opportunity to set their own commission for serving third-party customers. And this is, after all, additional costs. In order to avoid them, you must first find where to pay Probusinessbank loans without commissions.

In order to make it easier for you, we will name the most basic of the agent banks:

• PJSC Russian Capital.
• PJSC "Transcapitalbank".
• OJSC Tatfondbank.
• PJSC Sovcombank.
• LLC "Payment Center" (using the service "Golden Crown").

This is where you can pay Probusinessbank loans without additional fees.

How can I find the addresses of the agent banks for payment?

In order to find out where the nearest branch of the agent bank is located, you should enter the main page of the DIA, select “Liquidation of banks”, go to the “Participating banks” tab, open the alphabetical list and search for the appropriate organization. For example, one of the branches of PJSC "Russian Capital" is located in Moscow on Bolshaya Molchanovka street, 21 / A.

The representative office of PJSC "Transcapitalbank" can be found, for example, in Bryansk (Sovetsky district), on Proletarskaya street, 1. The branch of OJSC "Tatfondbank", where "Probusinessbank" loans are paid, is located in Kazan, on Vosstaniya street, 31/26.

Offices and branches of PJSC Sovcombank can be visited, for example, in the city of Alexandrov. There is a representative office of the bank, located at 24 Lenin Street, building 1. The second branch of the financial institution is located at 6 Tereshkova Street.

In turn, LLC "Payment Center" is another agent representing "Probusinessbank". How to pay off the loan in this organization (in cash or by card) is up to you. The main thing is to contact the partner salons of the network. Among them are the following intermediaries:

• Euroset.
• Beeline.
• Frisbee.
• MTS.
• Maximus.
• Kari.
• "Agent.Ru".
• "Tsifrograd".
• "Sangi Style".
• "Division" and others.

The bank was established in 1993 in the form of AOZT, then transformed into an LLC. By the beginning of 1998, the bank held a leading position in the car loan market, at the same time it was corporatized. Since 1999, the bank has begun intensive development of its factoring and leasing divisions. In 2001 the bank attracted a $ 5 million subordinated loan from the International Finance Corporation. In January 2003, the beginning of the formation of a holding structure with the participation of regional banks (later transformed into the financial group "Life" * ) - acquired a controlling stake in the Yekaterinburg VUZ-Bank (94.5%). In August 2003, the European Bank for Reconstruction and Development provided the bank with a $ 10 million credit line to finance export-import operations. In 2004, the banks "Express-Volga" and "National Bank of Savings" were acquired.

In 2006, FG Life was formed on the basis of Probusinessbank, and the bank was increasingly focusing on servicing small and medium-sized businesses. In December 2006, the bank acquired the Ivanovsky Regional Bank (100%). In March 2007, the bank issued notes on the London Stock Exchange, thereby raising over $ 750 million. In 2008, another 375 million rubles were raised from East Capital Finansial Institutions Fund AB by issuing ordinary shares. At the same time, East Capital provided the bank with a subordinated loan in the amount of 625 million rubles for five years. In January 2009, the bank acquired Gazenergobank (99.99%), at the same time the share in Bank24.ru was increased to 99.5%. In May 2009, the bank carried out an additional issue of shares with a placement by closed subscription in favor of the East Capital fund. In the course of the additional issue, the fund's share in the bank's authorized capital increased from 12.52% to 19.93%. In December 2009, the bank acquired Investment City Bank, which was later renamed into Let's Go! Bank.

Since 2010, the bank has been actively expanding its area of \u200b\u200bpresence. In September 2011, the Central Bank of the Russian Federation registered the bank's bond issue for 3 billion rubles. In December 2013, the bank became a sanatorium for the Samara Bank Solidarity, which joined the group by February 2014. In January 2015, the shareholders of the Life financial group made a strategic decision to merge the business of the Samara bank Solidarity and the Ivanovo National Savings Bank on the basis of Solidarity.

As of March 2015, the Life Group is represented in 75 regions of the Russian Federation; in addition to the parent Probusinessbank, it includes VUZ-Bank (Probusinessbank owns 100% of its shares), Express-Volga Bank (Probusinessbank has 98.8%), Ivanovo National Savings Bank (100%), Gazenergobank (99.9%), Let's Go! (100%), KB "Solidarity" (100%). It is worth noting that until recently Yekaterinburg Bank24.ru was also a part of the Life group, whose license was revoked on September 16, 2014. Probusinessbank also owns: Life factoring company (100%), Probusiness Development company (100%), collection agency "Life", Cypriot "Let's Go Holdings Limited" (100%).

As of March 2015, the main beneficiaries of the bank are Sergey Leontyev (41.50%), who is the president and chairman of the board of directors of Probusinessbank, who control the bank through the Cypriot Alivikt Holdings, and Alexander Zheleznyak, chairman of the board of directors, (11.44%). Senior Vice President of Probusinessbank Eduard Panteleev through Rodina LLC owns a 5.43% stake. British citizen Blake Klein owns 7.22%. Through the East Capital fund, Swedish citizen Peter Elam Hakasson owns 7.17%, Lithuanian citizen Kestutis Sasnauskas - 3.14%. Minority shareholders who own the bank through the Blue Crest Emerging Markets Master Fund and Argo Special Situations Fund, registered in the Cayman Islands, account for 14.44% of the bank's shares.

Probusinessbank's network is represented by its head office in Moscow, 230 additional offices and one operating cash desk outside the cash center. The number of employees of the organization as of January 1, 2015 was 5,057 people.

Legal entities are offered cash settlement services, deposits, lending (including tender and project), overdrafts, leasing and factoring, foreign exchange control, cash collection, acquiring, tokens, safeing, letters of credit and guarantees, REPO operations. For small and medium-sized businesses, in addition to standard services, the Money Back option is available, which is a financial guarantee of the quality of service (in case of incompetent service and the client specifying specific shortcomings, the bank offers compensation in the amount of the cost of the tariff plan).

Among the clients of Probusinessbank, at various times, such organizations as CJSC Moscow Coffee House on Shares, OJSC Izhorskiye Zavody, PJSC Bogorodskie Delikatesy, OJSC United Aircraft Building Company, OJSC Shipbuilding Plant Volga, OJSC Metallservice " and etc.

For individuals, the bank offers consumer loans, a deposit line, remote banking, credit and debit bank cards (Visa and MasterCard), etc.

Since the beginning of 2014, the bank's balance sheet total has increased by 39.3%, reaching 146.3 billion rubles in March 2015. The main point of growth in liabilities was interbank attraction, which increased by 2.6 times over the period, or by 21 billion rubles. Due to the active attraction of medium-term and long-term funds to deposits and deposits, household deposits in deposits also grew: + 29%, or +6.5 billion rubles, and corporate funds: + 10.7%, or +2.7 billion rubles.

The newly attracted funds were mainly directed to settlements on securities, settlements on conversion operations, as well as settlements on letters of credit, due to which the item of the bank's other assets increased almost fivefold, or by 37.9 billion rubles. There was also an increase in the securities portfolio (+ 10.9%, or +4.6 billion rubles) due to investments in bonds. Fixed assets and intangible assets of the bank increased by 1 billion rubles, or one and a half times. Investments in the capital of other organizations increased by 1.1 billion rubles, or 41.5%. The bank's activity in the interbank lending market in the role of a net creditor also increased by 11.2%, or by 874.3 million rubles.

The bank's liabilities are highly diversified. LORO accounts - 27.6% of net liabilities, the share of interbank borrowing - 23.2%, in household deposits - 19.7%, corporate funds - 18.8%, equity capital - 8.7%. The dynamics of the turnover on the bank's current funds is at an extremely high level: from 132.4 to 207.9 billion rubles per month, which indicates the high quality of the client base.

In the structure of assets, 32.2% is accounted for by the securities portfolio, represented almost entirely by bonds. 32.6% of net assets are other assets (mainly settlements on securities, as well as derivative claims; a large share of settlements on conversion transactions, as well as settlements on letters of credit). The bank's loan portfolio is 17.8% of net assets. Highly liquid assets - 6.7%. Issued interbank loans - 5.9%.

The bank is highly active in the securities market. Has a significant portfolio of securities (47.1 billion rubles as of March 2015), consisting almost entirely of bonds. 54.4% are federal loan bonds, 19.9% \u200b\u200b- corporate bonds of non-residents, 16.9% - bonds of foreign states. The dynamics of the portfolio turnover in the range from 35 to 165 billion rubles per month. The bank also actively issues its own securities, in particular promissory notes - in the amount of 1.7 billion rubles as of March 2015. Bills are mainly issued for up to six months. As of March 2015, the bonds issued earlier by the bank were almost completely redeemed (on the balance sheet - 28.6 million rubles).

The bank's credit policy is aimed at lending to individuals, as well as small and medium-sized businesses. As of March 2015, the share of retail loans in the portfolio was at 58.8%. The loan portfolio is diversified by maturity. According to the bank's reporting (RAS), the level of loan delinquencies is high (19% as of March 2015) and is growing dynamically (10.5% at the beginning of 2014). The level of delinquency on loans to corporate customers is especially high: as of March 2015, it reaches 21.5%. The provisioning rate for issued loans is also growing and as of March 1, 2015 it is 22.3%. Loans are secured by collateral in the amount of 23.7 billion rubles (90.7% of the loan portfolio), which is slightly below the sufficient level. The bank's loan portfolio tends to decrease due to the tightening of the bank's policy on granting loans to new customers.

During the analyzed period, the Bank was very active in the interbank lending market, acting mainly as a net borrower and attracting liquidity mainly from residents, presumably controlled banks. The amount raised for March 2015 is RUB 33.9 billion. The bank supplies liquidity in strikingly smaller volumes, approximately equally to the Bank of Russia, controlled banks and non-residents. In the Forex market, the bank is one of the market makers, showing super-high turnovers from 460 billion to 1 trillion rubles per month.

At the end of 2014, the bank received a net profit of 1.8 billion rubles (mainly due to foreign exchange transactions). In 2013, the bank's net profit amounted to 826.7 million rubles. In 2012, the bank received a net profit of 1 billion rubles (due to core activities).

Board of Directors: Sergey Leontiev (president), Alexander Zheleznyak, Eldar Bikmaev, Eduard Panteleev, Alexander Turbanov, Sergey Zozul, Sofia Bianchi, Hanna-Leena Loikkanen, Mogens Schmidt.

Governing body: Dmitry Dylnov (chairman), Andrey Litvinov, Alexander Lomov, Sergey Letunov, Sergey Shilov, Alexey Pirogov, Elena Tsybina, Vladislav Solodky.

* Financial Group "Life" - a bank holding company created on the basis of the Moscow "Probiznebank". Now it unites 7 banks: Probusinessbank (Moscow), "Let's go!" (Moscow), VUZ-Bank (Yekaterinburg), Express-Volga (Saratov), \u200b\u200bNational Savings Bank (Ivanovo), Gazenergobank (Kaluga), Solidarity (Samara), as well as the factoring company Life, and Probusiness Development ", As well as a number of related business structures. The group has over 800 branches in more than 75 regions, 4 million individuals and 200 thousand legal entities, 17 thousand employees.

The consolidated assets of the group, according to interim financial statements in accordance with IFRS, for the first half of 2014 amounted to 177.9 billion rubles, capital - 21.4 billion, profit for six months - 952.6 million rubles.

- a commercial credit organization, the largest link in the Life financial group. Provides comprehensive services for private clients and corporations. The main office is located in the capital, and on the territory of Russia there are more than 200 offices serving various categories of citizens and 1 cash desk outside the cash center.

An integral part of servicing individuals and legal entities in Probusinessbank is the eponymous online banking "Probusinessbank Online". Remote banking services are designed to provide control of the client's funds through a computer or other smartphone with Android and iOS operating systems.

Probusinessbank Online is a reliable financial assistant due to its functionality and intuitive interface. Not only Probusinessbank clients, but also individuals from other financial institutions that are members of the Life group can register in online banking and log into the system.

Online banking opportunities:

• Geolocation of Probusinessbank branches in the selected region;
• Currency exchange;
• Payment for utilities and maintenance services;
• Payment of mandatory state fees and accrued fines with personal discounts;
• Transfer of funds in Russian and foreign currencies;
• Obtaining information about a bank card with VISA International and MasterCard systems and managing its security;
• Replenishment of the mobile phone balance;
• Replenishment of electronic wallets;
• Obtaining information about open banking products.

Login to the personal account of an individual:

• Open the electronic resource of Probusinessbank http://prbb.ru/, then go to the section "For private clients";
• Move the cursor over the Internet Bank banner and enter your account in the appropriate fields. Click "Login to Internet Banking". Employees of the lending institution strongly recommend using the virtual keyboard when filling in the client's name and secret code.

Online banking for corporate clients (individual entrepreneurs and legal entities) can equally use remote services, but to enter your personal account you will need special software obtained from Probusinessbank during registration.

• Install the software and open the portal https://ibank.prbb.ru/ibrs_demo/iclient/index.html;
• Click on the active line "Login to the Internet Client" or "Login for Probusinessbank clients" and enter the user cabinet using the account.

To get acquainted with the capabilities of a personal account for individual entrepreneurs and legal entities, clients can use the demo version of the system at https://ibank.prbb.ru/ibrs_demo/iclient/index.html. The entrance to the demo version is automatic and does not require prior registration.

Registration of Probusinessbank's personal account

On the official portal of Probusinessbank, customers can perform self-registration and register an account for subsequent entry into the system.

• Open the official portal and click on the "Internet Bank" banner in the section for private clients;
• Click "Register a new user" and proceed to filling out an electronic questionnaire, namely: name of the client, contact information, number of the banking product. Click on the "Next" banner;
• Print the verification code received in the SMS and create a secret code.

Registration of a corporate client takes place at the office of Probusinessbank. To do this, you will need to fill out the appropriate documents for joining the RBS and give it to the Probusinessbank employee with the passport of the registered company.

Password recovery for Probusinessbank's personal account

Individuals can independently recover their password on the login page of Probusinessbank's personal account. The process itself takes no more than 5 minutes and completely repeats the steps of self-registration. And legal entities will need to contact the office of the credit institution and fill out an official application to obtain a new account.

Download Probusinessbank mobile application

To access the user account of Probusinessbank, individuals can use a special application "Faktura.ru", and corporate clients - "iBank2". The Faktura.ru application provides users with the functionality of the main personal account, while iBank2, on the contrary, does not provide for the performance of financial actions and is used as a demo view of information on open financial products of an individual entrepreneur or legal entity.

To install the Probusinessbank application on devices with the Android or iOS operating system, it is recommended to click on the corresponding banner, go to the e-store and click on the “Download” banner. Users of devices with a different operating system can work in their personal account from the browser, in the mobile version of the official portal of Probusinessbank.

Application for individuals:

OJSC JSCB "Probusinessbank" is a member of the Life Financial Group. The bank was founded on July 7, 1993 to serve manufacturing companies (industrial enterprises of the chemical, food, processing industries, high technologies, communications, housing, transport and wholesale) and to stimulate the development of enterprises in the market sector of the economy.

The bank's management chose the direction of development as a traditional commercial bank - independent of political parties and movements, state and management structures. Due to its stable and professional work, Probusinessbank is well known in the international financial community. Loan programs aimed at business development are traditional for the bank.

Probusinessbank is a reliable and long-term partner for our clients. In addition to the General License of the Bank of Russia for banking operations and a license for attracting deposits and placing precious metals, Probusinessbank holds licenses for broker, dealer, depository and securities management activities. Probusinessbank also has the right to act as a guarantor before the customs authorities.