Question 1

What is RESO Credit Bank?

Accepted Answer

RESO Credit Bank is a small Moscow-based universal bank operating in Russia. The bank is part of the RESO Group, one of the largest Russian financial conglomerates. RESO Credit Bank primarily serves corporate clients from companies within the RESO Group, focusing on settlement and cash services, deposit operations, currency market activities, interbank lending, and securities operations.

As of August 2025, the bank had total assets of approximately 10.9 billion rubles and equity capital of 5.9 billion rubles. The bank holds a universal license from the Central Bank of Russia and participates in the national deposit insurance system.

Question 2

When was RESO Credit Bank founded?

Accepted Answer

RESO Credit Bank was originally founded in January 2004 under the name "Regional Treasury Bank" (Regionalny Kaznacheisky Bank). In spring 2005, the bank was renamed "Attashebank," with businessman Lenur Islyamov as the primary owner at that time.

The current identity of the bank was established in summer 2008 when it was acquired by the owners of RESO-Garantiya insurance company and renamed "RESO Credit" (RESO Kredit). At that time, leadership positions were filled by Andrey Saveliev and Albert Khisametdinov from Moskommertsbank. Initially, the new owners had ambitious plans to focus on mortgage lending and retail deposits, aiming to position the bank among Russia's top 150 credit institutions. However, these expansion plans were not fully realized, and the bank has maintained a more modest corporate-focused strategy.

Question 3

Where is RESO Credit Bank headquartered?

Accepted Answer

RESO Credit Bank is headquartered at Vorobyovskoye Highway, Building 6, Moscow, Russia. The bank operates a head office and one additional branch office, both located in Moscow. The bank maintains a limited physical presence with approximately three operational offices in the Moscow region.

Question 4

Where does RESO Credit Bank operate?

Accepted Answer

RESO Credit Bank operates primarily in Moscow and the surrounding Moscow region. The bank maintains its head office on Vorobyovskoye Highway and additional offices at Bolshaya Andronevskaya Street and Tverskaya Street in Moscow.

Unlike many Russian banks with nationwide branch networks, RESO Credit Bank has a very limited geographic footprint, concentrating its operations exclusively in the capital city. This focused approach aligns with the bank's strategy of serving primarily corporate clients within the RESO Group ecosystem.

Question 5

What services does RESO Credit Bank offer?

Accepted Answer

RESO Credit Bank offers a range of banking and financial services for both corporate and individual clients, though its primary focus is on corporate banking.

Corporate Banking Services: The bank provides settlement and cash services, corporate deposit accounts (demand and term deposits), currency exchange operations, fund transfers for legal entities, cash collection services, and securities operations.

Retail Banking Services: For individual clients, the bank offers savings and accumulative deposits with competitive interest rates, payment card services through Visa international payment system, personal banking accounts, and fund transfer services.

Investment and Trading Services: The bank holds licenses for brokerage activities, dealer operations, and depository services, allowing it to provide securities trading and custody services to clients.

Digital Services: The bank offers online banking platforms and a mobile application for account management and banking operations, though customer reviews suggest room for improvement in digital service quality.

Question 6

What makes RESO Credit Bank unique?

Accepted Answer

RESO Credit Bank's primary distinguishing characteristic is its close integration with the RESO Group, one of Russia's largest insurance and financial conglomerates. The bank functions essentially as the financial services arm of the RESO Group, with companies within the group forming the core of its client base.

This captive business model provides stable funding primarily from RESO Group companies, reducing dependence on retail deposits or volatile wholesale funding sources. The parent company, RESO-Garantiya insurance company, was founded in 1991 and operates over 1,200 branches and sales points across Russia, serving 262,000 corporate clients and 11 million individuals through its insurance operations.

In August 2018, the Central Bank of Russia announced a reorganization involving the merger of the Interregional Depository Company into RESO Credit Bank, expanding the bank's depository and securities services capabilities. This integration strengthened the bank's position in providing comprehensive financial services to the broader RESO Group ecosystem.

Question 7

What type of financial institution is RESO Credit Bank?

Accepted Answer

RESO Credit Bank is classified as a universal bank (bank s universalnoy litsenziyey) in Russia. The bank holds a universal banking license from the Central Bank of Russia (license number 3450), which was granted on March 4, 2015.

As a universal bank under Russian banking regulations, RESO Credit Bank is authorized to conduct a full range of banking operations including accepting deposits from both individuals and legal entities, providing loans, conducting currency exchange operations, and offering investment services. The bank is also a participant in the Russian deposit insurance system, providing protection for retail deposits up to the limits established by Russian law.

Despite holding universal banking status, RESO Credit Bank operates more as a corporate bank in practice, with its business model centered on serving the financial needs of companies within the RESO Group rather than pursuing mass-market retail banking.

RESO Credit Bank

in Russia 🇷🇺

Crypto-Friendliness

All done!

About RESO Credit Bank in Russia