Question 1

What is ATB Bank?

Accepted Answer

ATB Bank (Avtotorgbank) is a specialized Russian commercial bank with a focused niche in automotive financing and corporate banking services. Formally known as OOO "Avtotorgbank" (Limited Liability Company "Avtotorgbank"), the bank operates primarily in Moscow and St. Petersburg. It is controlled by the Major Auto Group, a prominent automotive dealer network in Russia, which acquired the bank in 2008.

The bank maintains a relatively small footprint with assets of approximately 15 billion rubles. ATB Bank serves both retail and corporate clients, with particular expertise in serving companies in the automotive, transportation, trade, and industrial manufacturing sectors.

Question 2

When was ATB Bank founded?

Accepted Answer

ATB Bank was originally registered on April 5, 1994, under the name "Slamek-Bank." The bank began operations during a period of significant transformation in the Russian economy, when specialized financial institutions were emerging to serve niche markets.

In 2008, the bank underwent a strategic transformation when it was acquired by the Major Auto Group. This acquisition marked a shift in the bank's specialization toward automotive financing and dealer support services, ultimately leading to its rebranding as Avtotorgbank (ATB Bank).

Question 3

Where is ATB Bank headquartered?

Accepted Answer

ATB Bank is headquartered in Moscow, Russia, at 1-ya Magistralnaya Street, 13, Building 2, postal code 123007. This location serves as the bank's principal office and administrative center.

The bank maintains operational offices and service points in both Moscow and St. Petersburg, positioning itself strategically in Russia's two largest metropolitan areas.

Question 4

Where does ATB Bank operate?

Accepted Answer

ATB Bank operates primarily in Moscow and St. Petersburg, the two most significant economic centers in Russia. The bank maintains over 10 operational cash offices and approximately 15 additional offices in Moscow, along with two offices in St. Petersburg.

The bank's network also includes more than 30 ATMs across its operational regions. This focused geographic footprint allows the bank to concentrate on serving clients in Russia's major urban markets.

Question 5

What services does ATB Bank offer?

Accepted Answer

ATB Bank provides specialized banking services with emphasis on automotive financing and corporate banking. For retail customers, the primary offerings include auto loans, deposit accounts, and payment cards, particularly the MAJOR banking cards under the Mir payment system.

For corporate clients, the bank offers comprehensive business banking solutions including corporate lending, account management, cash management services, and specialized financing for automotive dealers and related businesses. The bank also provides securities services, including brokerage and depository activities through its licensed professional securities operations.

Digital banking services include internet banking and mobile applications that enable clients to manage accounts, apply for loans, and conduct banking operations remotely. The bank is an affiliated member of MasterCard Worldwide and issues Mir payment system cards with contactless payment capabilities through Mir Pay.

Question 6

What makes ATB Bank unique?

Accepted Answer

ATB Bank's defining characteristic is its specialized focus on automotive financing and its close integration with the Major Auto Group dealership network. This relationship provides the bank with direct access to automotive retail channels, allowing customers to obtain financing at the point of sale in Major Auto showrooms.

The bank's expertise extends beyond traditional auto loans to encompass the full ecosystem of automotive industry financing, including dealer financing, inventory financing, and specialized lending products for automotive businesses. This niche specialization allows the bank to develop deep industry expertise and tailored financial solutions.

Additionally, ATB Bank maintains a relatively lean operational structure with approximately 200 employees, enabling efficient decision-making and personalized service delivery.

Question 7

What type of financial institution is ATB Bank?

Accepted Answer

ATB Bank is a commercial bank (kommerchesky bank) operating as a Limited Liability Company (OOO) under Russian banking regulations. It holds a universal banking license (License No. 2776, issued March 17, 2015) permitting it to conduct banking operations in both rubles and foreign currency, including accepting deposits from individuals.

The bank is registered with the Central Bank of Russia with registration number 2776 and is a participant in the Russian Deposit Insurance System (member number 577 since February 3, 2005). It also holds professional securities market participant licenses for brokerage, dealer, and depository activities.

As a specialized commercial bank, ATB Bank focuses on niche market segments rather than universal retail banking, distinguishing it from larger multi-service banks in the Russian market.

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About ATB Bank in Russia