About the Bank

About the Bank

Time-proved reliability
Time-proved reliability
 Purpose of creating the Bank - the main goal of the Bank's establishment is to provide its clients with high-quality banking services as fully as possible, to bring success and prosperity to their clients, and to strengthen mutually beneficial and long-term cooperation with their clients.Striving for maximum transparency, the Bank considers it important to publish and strictly adhere to the following principles:
  • The Bank strives for the highest standards of customer service and protects the interests of each client;
  • The Bank complies with the laws and rules of fair business conduct, unconditionally fulfills its obligations and values its reputation;
  • The Bank adheres to the principle of neutrality in relation to financial and industrial groups, political parties and associations and performs its activities in the interests of depositors, clients and shareholders;
  • The Bank does not finance environmentally harmful or socially dangerous projects and programs;
  • The Bank develops new operations and directions, professing the principle of reasonable conservatism.
Mission

to be a market-oriented universal commercial Bank that provides the widest range of banking services and is able to flexibly respond to changes in economic conditions and customer needs.

Strategic objective

The strategic goal of the Bank's development is to create a universal commercial bank that provides the widest range of banking services. As part of this strategy, the Bank focuses its efforts on several key areas of activity. Among them:

  • Continuous improvement and expansion of the service package due to an individual approach to customer needs;
  • Development of modern banking technologies;
  • Active expansion of banking activities with a focus on working with small and medium business.

The team of highly qualified professionals allows the Bank to build a competent strategy and firmly adhere to its implementation.

Pragmatism in setting goals, a deep analytical approach, the ability to predict the consequences of their decisions, and a conservative asset management policy allow the Bank to overcome numerous crises without losses and maintain its competitiveness.

Our efforts are aimed at maintaining the positive dynamics of changes in the main balance sheet indicators, reducing the impact of risks and strengthening the role of the Bank in the life of society - an active socially responsible organization..

Brief history of creation and development
  • 1992 Alef-Bank was established, and the license of the Central Bank of the Russian Federation for banking operations was obtained.
  • 1993 The Bank obtained a license to conduct banking operations in foreign currency. The charter capital increased to 167.2 thousand rubles.
  • 1994 Compared to the previous year, the company received 2.2 times more profit. The balance total increased by 33%.
  • 1995 The Bank's charter capital increased to 13,067.2 thousand rubles.
  • 1996 The Bank significantly expanded its customer base, actively increasing the turnover of financial instruments and the volume of financial resources.
  • 1997 Licenses of the Central Bank of the Russian Federation for conducting banking operations with individuals' funds and establishing correspondent relations with 6 foreign banks were obtained. The charter capital amounted to 64,817.2 thousand rubles.
  • 1998 The Bank became one of the 200 largest banks in Russia by capital size and took top places in the rating ("Profile" magazine) for reliability among small and medium banks. A professional securities market participant license was obtained.
  • 1999 The Bank's charter capital increased to 224,817.2 thousand rubles.
  • 2000 The Bank's charter capital increased to 384,817.2 thousand rubles. The General license of the Central Bank of the Russian Federation for banking operations was obtained. An agreement was signed with the Central Bank of the Russian Federation for placement of deposits.
  • 2001 The Bank became an associate member of the VISA International payment system.

  • 2002 The charter capital of the Bank increased to 684,817.2 thousand rubles. The "Kurgan” branch of Alef-Bank (Kurgan) started operating. The additional office "Borets" of Alef-Bank (Moscow) started working.
  • 2003 2 ATMs of the Bank were launched.
  • 2004 Alef-Bank raised funds by entering into a subordinated deposit agreement with Eastlink Lanker PLC, a shareholder of Alef-Bank. The Bank of Russia classified this agreement as subordinated deposits based on clause 3.5 of the Regulation on the methodology for determining equity (capital) of credit institutions No. 215-P dated 10.02.2003. The term for attracting funds is until 2021.

  • 2005 The Bank's charter capital increased to RUB 1,125,817.2 thousand. An agreement was signed with the National credit history Bureau. The Bank entered the top ten operators of the currency exchange market based on the results of trading in April in US dollars. The Bank entered the Deposit insurance system on 21.03.2005, entry in the register No. 794;
  • 2007 The branches "Lebedyansky" (Lebedyan, Lipetsk region) and "Lysva" (Lysva, Perm region) started operating. 3 ATMs of the Bank were launched. Cash office "Promyshlennaya" of the Kurgan branch (Kurgan) started working.
  • Additional office "Kuntsevsky" (Moscow).

  • 2008 Additional office "Kuntsevsky" (Moscow) was opened. 3 ATMs of the Bank were launched. The Bank started accepting and delivering payments made by individuals using the "CONTACT" money transfer system.

  • 2009 the Bank began to perform accepting and delivering of payments by physical persons via money transfer system "Fast mail". The Bank changed its location. New Bank address: 117218Moscow Krzhizhanovskogo str., 21/33 building 1. The Bank started to perform accepting and delivering payments made by individuals using the ALLUR money transfer system. The Bank received a certificate of compliance by "IMPECCABLE BANKING PRACTICE" voluntary certification system. AK&M rating Agency assigned Alef-Bank a credit rating on the national scale: "A" with stable prospects. The "A" rating means that Alef-Bank belongs to the class of borrowers with a high level of reliability. The risk of fail in obligations is low.
  • 2010 AK&M rating Agency confirmed Alef-Bank credit rating on the national scale: "A" with stable prospects. The Ministry of Finance of the Russian Federation, based on information received from the Central Bank of the Russian Federation, published a list of credit institutions that were entitled to issue Bank guarantees to taxpayers for accelerated VAT reimbursement. Alef-Bank was included in this list, among 195 financial institutions in the country. 3 ATMs of the Bank were launched.
  • 27.10.2010 Alef-Bank and "Russian development bank "signed an agreement on the participation of Alef-Bank in the state program of financial support for small and medium business. This made possible for the Bank to provide loans to small and medium business, including at the expense of targeted resources of "Russian development bank". The loan program covered the clients of small and medium business of Alef-Bank located in 4 areas of the Russian Federation - Moscow, Tambov region, Nizhny Novgorod region and St. Petersburg.
  • 17.12.2010 After a scheduled inspection by the certification specialists of Informbank Agency LLC , conducted in the period from 01.12.2010 to 17.12.2010, Alef-Bank received confirmation of compliance with the requirements of the "Impeccable banking practice" standard.
  • 27.12.2010 The Bank of Russia's Department for licensing and financial rehabilitation of credit institutions registered the first bond issue of Alef-Bank in the amount of 1,000,000,000 rubles.
  • 27.12.2010 The Bank of Russia issued a license to "Alef-Bank" for attracting and placing deposits in precious metals.
  • 15.03.2011 By the decision of the Council of the Association of Russian banks, Alef-Bank became a member of the ARB.
  • 16.02.2011 Series 01 bonds were placed on February 15, 2011 in the amount of 1 million units and admitted to trading on the stock exchange without passing the listing procedure.
  • 03.03.2011 The Bank of Russia's Department for licensing and financial rehabilitation of credit institutions registered a report on the results of the first bond issue of Alef-Bank for 1 billion rubles.
  • 15.03.2011 By the decision of the Council of the Association of Russian banks, Alef-Bank became a member of the ARB.
  • 25.07.2011 AK&M rating agency confirmed Alef-Bank credit rating on the national scale: "A" with stable prospects. Rating "A" means that Alef-Bank belongs to the class of borrowers with a high level of reliability, the risk of fail in obligations is low.
  • 25.07.2011 According to the rating among the 200 largest Russian banks of the weekly magazine "Profile" (No. 28, July 25, 2011), Alef-Bank ranks 147th in terms of equity capital, 201st in terms of net assets as of June 01, 2011.
  • 07.09.2011 The bonds of Alef-Bank, which had the state registration number of the issue 40102119B, the date of issue registration - 27.12.2010, were included in the quotation list "A" of the first level of MICEX.
  • 16.09.2011 Rating Agency "AK&M" assigned to the Depositary of Alef-Bank rating of reliability on a national scale "B+" with stable prospects. The "B+" rating means that the Depository of Alef-Bank has a satisfactory level of reliability. The risk of full or partial fail in obligations is low.
  • 28.11.2011 According to the rating of the weekly magazine "Profile" (No. 44, November 28, 2011) among the 200 largest Russian banks, Alef-Bank ranked 151 in terms of equity capital, 215th in terms of net assets as of October 01, 2011.
  • 20.11.2011 According to the RBC rating published on the company's website, as of October 1, 2011, Alef-Bank ranked 204th in terms of net assets and 241st in terms of book profit among the 500 largest banks in Russia.
  • 25.01.2012 Alef-Bank confirmed compliance with the requirements of the standard "Impeccable banking practice" on the basis of a planned check by specialists of the LLC "Agency Informbank" certification body
  • 24.02.2012 According to RBC ratings published on the company's website, Alef-Bank ranked 218th by net assets, 228th by loan portfolio, and 230th by deposit portfolio among the 500 largest banks in Russia.
  • 30.05.2012 Alef-Bank - winner of the VII Annual prize in the banking "Banking-2012" organized by the magazine "Banking" with the support of Association of Russian banks and Association of regional banks of Russia. The Bank was awarded the jubilee medal "Banking – 20 years of successful work", as well as the jubilee diploma in the category "Banking services. 20 years of successful work».
  • 11.07.2012 Alef-Bank was included in the list of banks posted on the official website of the Ministry of Finance of the Russian Federation that met the established requirements for issuing bank guarantees for application procedure for VAT refund.
  • 19.07.2012 In order to ensure the security of using Bank cards by the Bank's clients, Alef-Bank started issuing chip Bank cards using the EMV technology of the Visa International payment system starting from August 01, 2012. The validity period of chip cards of Alef-Bank extended to 3 years.
  • 27.08.2012 AK&M Rating Agency confirmed the credit rating of Alef-Bank on the national scale of "A" with stable prospects. Rating "A" means that the Bank belongs to the class of borrowers with a high level of reliability. The risk of fail in obligations is low, and the probability of full or partial debt restructuring is minimal.
  • 16.10.2012 Anniversary of Alef-Bank, 20 years of impeccable work in the financial services market.
    Bank guarantee

  • 12.02.2013 Alef-Bank was included in the list of banks posted on the official website of the Ministry of Finance of the Russian Federation that met the requirements for issuing bank guarantees in order to apply for VAT refund
  • 13.05.2013 The Department of licensing and financial rehabilitation of credit institutions of the Bank of Russia registered the 9th additional issue of ordinary non-documentary nominal shares of Alef-Bank. The number of securities to be placed was 40,000,000 (Forty million) shares with a nominal value of 10 (Ten) rubles. Securities were distributed at the expense of retained earnings in the amount of 400,000,000 (four hundred million) rubles. This additional issue of securities was distributed among the Bank's shareholders..
  • 31.05.2013 The Department of licensing and financial rehabilitation of credit institutions of the Bank of Russia registered a report on the results of the 9th additional issue of ordinary non-documentary nominal shares of Alef-Bank. The charter capital of Alef-Bank after the completion of the ninth additional issue of securities became 1,525,817,200 rubles.
  • 13.08.2013 The opening of an additional office of Alef-Bank in the city of Kurgan.
  • 23.08.2013 JSC AK&M Rating Agency confirmed the credit rating of JSC Alef-Bank (license No.2119) on the national scale of "A" with stable prospects.
  • 22.10.2013 Alef-Bank was included in the list of banks posted on the official website of the Ministry of Finance of the Russian Federation that met the established requirements for issuing Bank guarantees in order to apply the application procedure for VAT refund.

  • The Ministry of Finance of the Russian Federation, based on information received from the Central Bank of the Russian Federation, published a list of 339 credit institutions as of 01.09.2013 that met the requirements of paragraph 4 of article 176.1 of the Tax code of the Russian Federation, which were entitled to issue Bank guarantees to taxpayers for the purpose of applying for VAT reimbursement.
  • 23.05.2014 Opening of the operational office "Aleksin" of Alef-Bank in Aleksin, Tula region.
  • 10.09.2015 AK&M Rating Agency confirmed the credit rating of Alef-Bank (license No.2119) on the national scale of "A" with stable prospects.

  • 15.08.2015 According to RIO Rating, Alef-Bank ranked 175th in the rating of banks by the volume of capital as of July 1, 2015.

  • 10.09.2015 AK&M Rating Agency confirmed the credit rating of Alef-Bank (license No.2119) on the national scale of "A" with stable prospects.
  • 18.02.2016 According to RIO Rating, Alef-Bank ranked 160th in the rating of banks by the volume of capital as of January 1, 2016.
  • 17.08.2016 AK&M Rating Agency confirmed the credit rating of Alef-Bank (license No.2119) on the national scale of "A" with stable prospects.
  • 19.08.2016 Alef-Bank became a member of the self-regulatory organization of the National Association of stock market participants.
  • 14.09.2016 The legal name of the Bank was changed. New full corporate name of the Bank: Joint-stock company “joint-stock commercial bank "ALEF-BANK"”. New abbreviated corporate name of the Bank: JSC JSCB "Alef-Bank".
  • 01.10.2016 Alef-Bank took the 21st place in the rating of the most efficient banks, prepared by the National banking magazine together with the rating Agency "Expert RA".
  • 25.11.2016 According to "RIO Rating", "Alef-Bank" ranked 143rd in the rating of banks by the volume of capital as of October 1, 2016.

  • 16.02.2017 According to "RIO Rating", "Alef-Bank" ranked 140th in the rating of banks by the volume of capital as of January 1, 2017.
    25th anniversary of the Bank

  • 16.10.2017 Anniversary of Alef-Bank, 25 years of impeccable work in the financial services market.

  • 01.08.2017 According to "RIO Rating", "Alef-Bank" ranked 138th in the rating of banks by the volume of capital as of July 1, 2017.

  • 07.08.2018 According to "RIO Rating", "Alef-Bank" ranked 17th in the rating of banks in terms of profitability of assets as of July 1, 2018.
  • 10.08.2018 According to "RIO Rating", "Alef-Bank" ranked 130th in the rating of banks by the volume of capital as of July 1, 2018.
  • 01.03.2019 The rating Agency "Expert RA" assigned credit rating of Alef-Bank at the level of ruB+. The rating had stable prospects.
  • 05.09.2019 Alef-Bank and the Fund for small business lending assistance in Moscow signed a cooperation agreement.
  • 12.03.2020 Alef-Bank started making transfers using the Quick payment system.