Question 1

What is Yarinterbank?

Accepted Answer

Yarinterbank is a regional commercial bank operating in Yaroslavl Oblast, Russia. Officially known as Investment Commercial Bank Development "Yarinterbank" (LLC), the bank focuses on supporting local industry, trade, and small to medium-sized businesses in the region. With over 30 years of operation, Yarinterbank has established itself as a stable financial institution serving both retail and corporate clients in the Yaroslavl area.

The bank holds a basic banking license from the Central Bank of Russia and is a participant in the national deposit insurance system, protecting deposits up to 1.4 million rubles.

Question 2

When was Yarinterbank founded?

Accepted Answer

Yarinterbank was founded on November 1, 1993, during a challenging period in Russia's financial history following the dissolution of the Soviet Union. The bank was established as a commercial financial institution to support regional economic development in Yaroslavl Oblast.

Despite the difficult economic environment of the early 1990s, the bank steadily grew from a modest local institution into a well-established regional bank with a solid reputation. Over three decades, Yarinterbank has built a client base of over 2,600 legal entities and continues to serve the financial needs of the Yaroslavl region.

Question 3

Where is Yarinterbank headquartered?

Accepted Answer

Yarinterbank is headquartered in Yaroslavl, Russia, at 30 Sobinova Street, postal code 150000. This location serves as both the bank's head office and its primary branch for customer service.

The bank operates from this central location in Yaroslavl, one of Russia's historic Golden Ring cities located approximately 250 kilometers northeast of Moscow.

Question 4

Where does Yarinterbank operate?

Accepted Answer

Yarinterbank operates primarily within Yaroslavl Oblast in the Central Federal District of Russia. The bank maintains a focused regional presence with offices concentrated in the city of Yaroslavl.

As of 2025, the bank operates 2-3 offices and 2-4 ATMs within Yaroslavl Oblast, providing localized banking services to residents and businesses in the region. The bank's strategy emphasizes deep penetration in its home market rather than geographic expansion across multiple Russian regions.

Question 5

What services does Yarinterbank offer?

Accepted Answer

Yarinterbank provides a comprehensive range of banking services for both individual and corporate clients. For retail customers, the bank offers deposit accounts, savings products, consumer lending, and card services. The bank has created uniquely named deposit products such as "Krasno Solnyshko" (Red Sun) and "Zimushka-Zima" (Winter), reflecting regional cultural identity.

For corporate clients, Yarinterbank provides business accounts, commercial lending including large credit facilities, cash management services, bank guarantees, currency exchange operations, payroll services, and trade finance. The bank is noted for its ability to provide particularly large loans to support industrial and commercial projects in the region.

Digital services include internet banking through the Faktura.ru platform, allowing customers to manage accounts, make transfers, and pay bills online. The bank offers mobile applications for both retail clients ("Yarinterbank Online") and business customers ("YARINTERBANK Business"), with support for Russia's Fast Payment System (Sistema Bystrykh Platezhey). International payment capabilities are available through the bank's SWIFT code (ICDYRU21/ICDYRU2Y).

Question 6

What makes Yarinterbank unique?

Accepted Answer

Yarinterbank distinguishes itself through its deep commitment to the Yaroslavl regional economy and personalized client service. The bank positions itself as one of the few financial institutions in Yaroslavl capable of providing particularly large credit facilities for industrial and commercial development projects.

The bank has developed culturally relevant product names that reflect regional heritage, creating deposit products with names inspired by Russian folk traditions. This approach demonstrates the bank's connection to local culture and community.

Yarinterbank emphasizes individual client relationships over standardized mass-market approaches, offering flexible lending conditions tailored to specific business needs. The bank's long-standing presence since 1993 has given it extensive knowledge of the local business environment, allowing it to better assess regional credit opportunities and risks.

The bank has also introduced specialized products for specific community segments, including a social card for participants in special military operations and their families, providing dedicated support and access to government benefits.

Question 7

What type of financial institution is Yarinterbank?

Accepted Answer

Yarinterbank is classified as a universal commercial bank (универсальный коммерческий банк) under Russian banking regulations. Specifically, it operates with a basic banking license (базовая лицензия) from the Central Bank of Russia, license number 2564.

A basic license allows the bank to conduct all standard banking operations in rubles and foreign currencies, including accepting deposits from individuals, but without the authority to conduct operations with precious metals. This classification is typical for regional Russian banks that serve local markets without engaging in the most complex financial operations reserved for systemically important banks.

As a limited liability company (LLC/ООО), the bank operates under private ownership with a registered charter capital of 51 million rubles. The bank is supervised by the Central Bank of Russia and participates in the mandatory deposit insurance system administered by the Deposit Insurance Agency.

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