For clients of the insurance company Rosgosstrakh there is a free hotline for information support.
Free telephone hotline of Rosgosstrakh:
Corporate clients and legal entities may also call for support on this phone number.
You can call the operator and get advice on insurance issues around the clock.
The call is free from any mobile and city number registered in Russia.
For residents of Moscow and the Moscow region, as well as for calls from abroad, a separate telephone is available:
Subscribers of MTS, Beeline, Megafon and Tele2 can contact with questions about urgent insurance assistance by calling a free short number:
Calls from mobile phones of these operators are free.
Claims center
A specialized support service of Rosgosstrakh works on claims settlement issues:
In addition, you can file a complaint about the actions of any insurance agent and a company representative via security email:
The insurance company Rosgosstrakh is one of the leading companies in the field of insurance of individuals and legal entities in Russia. Over 45 million people are clients of the insurance company.
Making decent money can be tricky. But the issue of their preservation still needs to be resolved. But you can not only save money, but also increase the amount. In order to achieve a good profit, it is worth knowing where to invest your money profitably. So that they work and make a profit. Many people know from Soviet times that you can invest bonds or stocks. But it was popular in those days, but what about now? Yes, almost the same, only the wording has changed somewhat.
You can invest your savings in real estate. In any case, this method of investment will allow you to return your money upon sale. In addition, the value of real estate is periodically increasing. True, such a rise in prices is not noticeable in all regions. Therefore, it is worth choosing more carefully. Yes, and it will take a lot of money to buy, but not everyone has it. Therefore, you can invest in a bank and receive interest on the amount. However, taking into account inflation, the increase will not be very large, and in many cases it will not even be noticeable. By the way, if there is a certain amount, then it is worth deciding what it is for. After all, there is simply no need to save money. Therefore, you can invest in your education or in your health.
But investment is a profitable business. But in order to invest in securities, you should decide on an intermediary. You can contact a broker or use internet trading. If you act through typical brokers, then you will need an amount of at least ten thousand rubles. Not everyone has such savings, and not everyone can part with such an amount painlessly. This is why more and more attention is being paid to stock exchange Forex. Here you can start your profitable business with a very small investment. Plus, there is training that will help you figure it out from the very beginning.
Assistance in matters with Rosgosstrakh
A large number of banks are ready to offer many services. However, no matter how well-functioning the system is, sometimes there are failures. In order to solve some of the issues created Rosgosstrakh hotline.
Various services of the bank allow you to carry out transactions with finances. Sometimes there is a need to find out what are the proposals for deposits. In addition, banks offer lending services. And in order to find out about what is the next payment or interest that is charged, you need to contact the specialists. You often need to go to the bank. But there is not always a possibility in this.
There is another way to find out all the information you need - just call from your cell phone. But there is not always a desire and time to listen to everything that the answering machine says. In order to get closer to your customers and there is Rosgosstrakh hotline... This is what allows the bank's clients to feel calmer.
By contacting the phone number, which starts with 8800, you can be sure that the call is absolutely free. Operators who are always happy to help answer all your questions. Sometimes such an appeal is toll free number enough to solve many questions.
And if there is a situation in which a personal appeal to the bank is necessary, then Rosgosstrakh hotline will allow you to clarify in advance what documents you should take with you. This will help to significantly reduce the time. And it's easier to come to the bank already prepared than to spend several days collecting documents.
Most Popular Hotline Phones!
The bank was registered by the Central Bank of the Russian Federation in September 1994 under the name Fintrastbank (AOZT). A year later it was renamed into JSCB Russian Interregional Development Bank (Rus-Bank), in 2006 the full name was Closed joint-stock company"Rus-Bank", in November 2007, the organizational and legal form was changed to an open joint stock company (OJSC). In December 2007, Rus-Bank bought the Yekaterinburg bank “Jewels of the Urals”, later renamed it “Rus-Bank Ural”, and in January 2010 completed the procedure for its merger. In the fall of 2011, Rus-Bank changed its name again - to Rosgosstrakh Bank (abbreviated as RGS Bank), and in April 2015 the organizational and legal form was changed to PJSC. The credit institution uses the offices of its strategic partner - the insurance group Rosgosstrakh * - to promote its services. Since December 2004 has been a member of the system compulsory insurance deposits individuals.
According to the disclosed information, until recently Sergei Khachaturov was the main ultimate beneficiary of PJSC RGS Bank, who controlled 74.6% of the bank's shares with partners (Alkhas Sangulia and Cypriot citizen Marianna Karamalli) through various legal entities of the Rosgosstrakh group. The bank's ultimate beneficiaries also included Irina Dyubkova (13.92%), a Cypriot citizen Maria Dimitriou (10.21%) and Laura Andriyasova (1.29%). A 0.01% stake was distributed among minority shareholders.
At the end of 2016, information appeared on the market about an upcoming transaction to merge the Otkritie group and the Rosgosstrakh group. According to the calculations of the parties to the transaction, the merger would create the largest private financial group with assets of over 4 trillion rubles and a client base of 50 million people. In mid-June 2017, the FAS approved an application for the acquisition by Otkritie Holding of 75% of Rosgosstrakh Bank. At the end of August 2017, FC Otkritie Bank acquired 60.5% of the shares of Rosgosstrakh Bank, and a little later the share of control was increased to 85%. In early September, FC Otkritie gained full control over the companies that own shares of the insurance company Rosgosstrakh: records were made in the Unified State Register of Legal Entities that FC Otkritie Bank owns 99.01% in LLC RGS Assets and 99 , 95% in LLC RGS Holding.
Since August 29, 2017, the Bank of Russia has been the main investor in FC Otkritie Bank. A temporary administration was appointed to the bank, which included employees of the Central Bank and the MC “Fund for the Consolidation of the Banking Sector”.
As of October 2, 2018, FC Otkritie Bank owned 85.40% of the shares of RGS Bank. Another 14.60% shareholder of the bank was PJSC IC Rosgosstrakh, in which 57.36% of the shares were controlled by FC Otkritie Bank, and the rest of the shares were in public circulation. Thus, the aggregate share of FC Otkritie Bank (directly and through PJSC IC Rosgosstrakh) in the capital of RGS Bank reached 93.77%. FC Otkritie Bank, in turn, is currently fully controlled by the Bank of Russia.
The head office of RGS Bank is located in Moscow; as of July 1, 2018, the credit institution's service network consisted of eight branches, 301 additional and 743 operational offices in 57 constituent entities of the Russian Federation. The network of its own ATMs was represented by 200 devices.
At the end of 2017, the lending institution served more than 2.3 million individuals who are offered deposits, loans, payments and transfers (Western Union, MoneyGram, Zolotaya Korona, instant transfers RGS Bank), investments (IIS accounts, trust management, mutual funds, depository), insurance products (investment and endowment life insurance), remote services and etc.
In the corporate segment, the bank's clients at the end of 2017 were over 17 thousand enterprises and organizations, including about 2 thousand within the framework of salary projects. Corporate clients are offered settlement and cash services, lending programs, placement of temporarily vacant Money on deposits and bank bills, bank guarantees, documentary operations, payroll projects, cash collection services, etc. The number of the bank's clients in different periods included such organizations as JSC Inter RAO UES, JSC Gortopsbyt, JSC TD Uraltrubsnab, LLC PKF ElTOS, JSC Tovarkovsky high-voltage fittings plant, TrubNik LLC, Nevinnomyssky Azot JSC, as well as structures included in the Rosgosstrakh group of companies.
Since the beginning of 2018, the volume of net assets of a credit institution has decreased by almost a quarter, amounting to 93.3 billion rubles by October 1. During the specified period, in the passive part of the bank's balance sheet, the main reduction fell on the deposits of individuals, which lost 16.8 billion rubles, or 23.1%. A decrease was also observed in other items of liabilities (capital, attracted by interbank loans, funds of corporate clients), although not as significant in absolute terms as the outflow of individual deposits. In assets, the main reduction fell on the balances of highly liquid funds, which lost RUB 30.6 billion, or 87.2%. A significant decrease in relative terms (-27.8%) also accounted for the loan portfolio. At the same time, interbank loans issued (+3.0 billion rubles, or + 49.3%) and investments in securities (+2.5 billion rubles, or + 4.4%) showed positive dynamics.
The bank's resource base remains concentrated on deposits of individuals: despite a noticeable decrease in household funds since the beginning of 2018 (-23.1%), their share in liabilities has not changed due to negative dynamics of other items and amounted to almost 60% at the reporting date. A significant part of the outflow of funds from individuals fell on the maturity range of 6-12 months, as a result of which, by the reporting date, the bulk of funds from the population was attracted for periods from one to three years. Funds of enterprises and organizations formed 11.9% of liabilities at the reporting date, although at the beginning of 2017 their share reached 20%. A significant part of the funds of legal entities is formed by balances on current accounts, deposits for a period of six months to a year and resources over three years, including subordinated loans. As of October 1, 2018, the bank's capital included subordinated loans for the total residual value by 8.4 billion rubles.
As of the reporting date, attracted interbank loans accounted for 6.4% of the bank's liabilities and were mainly attracted in the domestic market from commercial banks for periods of more than six months. According to IFRS reporting, almost all interbank loans were attracted from one counterparty.
The capital adequacy ratio of the credit institution was met at the reporting date with a large margin - 33.2% (with a minimum of 8%). Adequacy of fixed capital, which did not take into account a significant part of attracted "subordinates", was approximately two times lower than the total adequacy, however, in general, it was also met with a significant margin to the minimum set by the regulator.
The bank's corporate client base is large, mainly represented by companies in the insurance industry, services, investments and finance (to a lesser extent - companies and enterprises from manufacturing and mining, construction, trade). The payment dynamics of clients has recently decreased compared to previous years, however, in general, since the beginning of 2018, it has been stable, turnover within a month was about 50-65 billion rubles.
The structure of assets is dominated by investments in securities, which, as of October 1, 2018, accounted for 64% of the volume of net assets, while the loan portfolio accounted for only 10.6%. During the study period, the share of highly liquid funds (cash desk, correspondent account with the Central Bank of the Russian Federation) significantly decreased - from 28.6% to 4.8% of net assets. Other assets (including fixed assets and rights of claim under agreements for the provision of funds, the fulfillment of obligations under which is secured by a mortgage) accounted for about 10% more, and a slightly smaller share (9.6%) was occupied by issued interbank loans.
Securities portfolio - 59.7 billion rubles, almost entirely formed by bonds. As of the reporting date, Russian government securities prevailed in the portfolio of bonds with a share of 9.3%. Another 18.5% were bonds of domestic corporate issuers. The share of securities pledged under REPO transactions was minimal as of the reporting date, while in general, the activity to attract liquidity secured by securities has recently decreased to small volumes (for example, the turnover in September 2018 did not exceed 6.5 billion rubles).
Loan portfolio - 9.9 billion rubles. By the reporting date, retail loans prevailed in its structure with a share of 71.7%, although just a few years ago the “preponderance” was quite small. The share of arrears under RAS in recent years is reflected at a high level, since the beginning of 2018 it has increased from 46.6% to 49.6% of the total portfolio. The provisioning level remained almost unchanged over the corresponding period, but fully covers overdue payments, accounting for 51.1% of the portfolio. It is worth noting the low security of the issued loans with property pledge - 53.1% (although at the beginning of the study period the indicator did not exceed 40% at all). According to IFRS reporting, at the end of the first half of 2018, the retail portfolio was equally represented by consumer loans and other loans, measured at amortized cost; v sectoral structure loans to legal entities were dominated by almost the same segments as in the structure of client liabilities: services, trade, production, construction, transport and communications. At the same time, the share of the investment and finance segment in the portfolio dropped to zero more than a year ago.
On the interbank market credit organization traditionally showed high activity, working in both directions, but acting in recent years as a predominantly net borrower. However, in the last months of the studied period, the activity on attracting has noticeably decreased (if in the first half of 2018 the bank attracted about 0.5-0.8 trillion rubles within a month, then in July-September the turnover decreased to 6-39 billion rubles). As a result, the bank changed its position to a lender, placing about 40-180 billion rubles a month since the beginning of 2018. Over the past year, the bank has not attracted funds from the Central Bank. Activity on Forex market in the last months of the study period was also reduced to insignificant levels, although earlier turnovers in foreign exchange transactions amounted to about 70-140 billion rubles.
In January - September 2018, the credit institution recorded a significant loss under RAS in the amount of RUB 5.3 billion against profit for the same period in 2017 in the amount of RUB 186.2 million. For the entire 2017, the bank's net loss amounted to 473.7 million rubles. Negative financial results the bank in 2018 was caused by a noticeable reduction in net income from operating activities, losses from operations with securities and an increase in reservation costs.
Board of Directors: Alexander Pakhomov (chairman), Alla Maslennikova, Vyacheslav Rodnishchev, Yana Timofeeva, Dmitry Orlov.
Governing body: Alexey Tokarev (chairman), Alla Maslennikova, Irina Tarakanova, Larisa Pavlova.
* The Rosgosstrakh group of companies was founded in 1992 as the legal successor of the State Insurance of the RSFSR. According to the consolidated data according to IFRS, as of June 30, 2018, in addition to the parent company PJSC IC Rosgosstrakh, the group also included subsidiaries: OJSC Capital Insurance, CJSC Capital Reinsurance, LLC RGS-Med (Syktyvkar), CJSC KS-Holding, LLC IC RGS Life Insurance.
Until recently, the ultimate shareholder who controlled the group was Danil Khachaturov, a member of the Russian Forbes list. In August 2017, the group came under the control of the structure of PJSC Bank FC Otkritie, whose main investor since the end of August of the same year has been the Bank of Russia. As of June 30, 2018, the Central Bank of the Russian Federation was the ultimate shareholder controlling the Rosgosstrakh group of companies.
The PJSC IC Rosgosstrakh group of companies has more than 2 thousand offices in Russia and serves over 17 million customers in 85 regions of presence. The number of the group's personnel was 60 thousand employees (including insurance agents).
According to the consolidated financial statements in accordance with IFRS, the total assets of PJSC IC Rosgosstrakh as of June 30, 2018 amounted to 142.9 billion rubles (-7.0% from the beginning of 2018), own funds- 41.3 billion rubles (+ 6.7% from the beginning of 2018), the net volume of earned insurance premiums for the first half of 2018 amounted to 36.3 billion rubles (50.6 billion rubles for the same period of the previous year), net profit in the first half of the year - 2.6 billion rubles (15.4 billion rubles of a loss a year earlier).