"Metrobank": feedback from employees and customers

Unfortunately, the domestic banking system is designed in such a way that successful institutions that conduct profitable activity for a long period of time can suddenly cease their work. The reason is simple: the bank is recalled a license to carry out operations. As a result, ordinary depositors of the bank suffer - those who kept their funds in it. And where the money used by the bank operated is, it's hard to know.

One of these is Metrobank. Reviews and official data show that the institution lost its license in 2015. Before that, the institution had been successful for many years, as it becomes clear after reviewing the statistics (profits and losses of the bank for specific years). More details about what constituted a "Metrobank", reviews of depositors whose money is "stuck", as well as other information about this, please read this article.

General information about the bank

It should start with the fact that the institution started its work back in 1993, under the name of "Kolor-Bank". At the same time, the bank's managing company was able to obtain the status of a member of the Visa association in order to conduct transactions with customers' accounts. After this, an active increase in the means and rates of development began.

For example, already in 2005, the authorized capital was increased to 150 million rubles. Soon, "Metrobank" (reviews of employees confirm this) received a license to trade in securities on the stock market. In parallel, new customers were attracted in the structure, and the Russian deposit insurance system was actively pouring into the national deposit insurance system .

Over the subsequent years of the bank's history one can see how new products were created, incomes grew, and the financial mass was increased. And on June 1, 2015, the regulator in the banking market decided to revoke the license, according to which Metrobank worked. Reviews show that this happened after the institution stopped paying people their money. For more information on why this happened, read on.

Programs and banking products

Interestingly, the institution worked with a number of profitable products, which were in demand from customers. In particular, in addition to the classic lending and receiving deposits, servicing accounts and conducting transactions, "Metrobank" (employee feedback to that confirmation) was the first to bring consumer lending to the online store market. More precisely, they came up with loans to people who want to make purchases in online stores. It happened in 2005, which was unthinkable, given the insufficient degree of development of information technology.

The Bank implemented other similar innovations in its sector. For example, in 2008, an action was carried out, according to which all penalties for loans were canceled for 2 weeks, provided that the borrower completely repaid the delay. In addition, in the same year, multicurrency deposits were opened , which are also not in the list of services by all institutions. This shows the level of development of the bank, those advanced banking technologies that were used in its work.

Ratings

Of course, given the gradual growth of the bank's assets and the growth of its popularity among customers, "Metrobank", which we will publish about in the future, was repeatedly noted in different ratings. For example, in 2009, the "Expert RA" agency assigned the bank the status of "acceptable creditworthiness" (which corresponds to the B ++ rating). Already in 2012, the authoritative Internet portal "Banki.ru" appropriated this institution 245th place in the rating of banks in terms of capital. "RBC" took "Metrobank" to the second group of stability, which includes medium-sized banks.

That is, it can be said that the institution was not on the first positions of the lists, but it had quite a lot of clients, which provided the bank's positions with stable growth for many years. In 2014 the shareholders decided to transfer the bank from the status of a closed joint-stock company to the form "Joint-stock company".

Market positioning

The general concept of the institution was as follows: the bank was represented as a universal one. What attracted "Metrobank"? The clients' opinions are similar: the bank was surprised with a wide range of services: loans, deposits, securities management, dealer activity.

It was convenient for the bank's clients to make transfers in the networks of Visa, MasterCard WorldWide payment systems. Moreover, the bank was connected to Rapid payments, gave the opportunity to conduct transactions with American Express and Western Union checks.

Profitability

What did it give to the company "Metrobank"? Employee feedback indicates that the bank did not experience any problems with profits. If we believe the official information in the form of the annual reporting, we can say that the decrease in the volume of assets occurred only in 2009. The rest of the time the bank showed a stable profit: from 807 million rubles in 2006 its assets grew to 13 billion in 2014.

What is most interesting, the growth of indicators could be observed by many criteria: not only in terms of the total size of the bank's funds, but also in such sub-categories as income from individuals, deposits, undistributed profits-there was an increase everywhere. This proves that the development of the bank took place evenly.

Revoking a license

True, in spite of everything, the "Metrobank" was revoked a license. This happened, as already noted above, in 2015. The initiator of the recall was the Bank of Russia, which referred to the failure of the banking institution to fulfill its obligations to creditors, the failure to comply with laws on activities, creating a threat to the interests of depositors and borrowers. Also in the information that was published on the regulator's website, it was noted that all these actions resulted from the unwillingness of the bank's management to improve the situation in its establishment, due to the lack of reserve funds in the event of loan defaults, due to the inability to comply with the court's decision on the payment Compensation to the depository.

User Reviews

However, all this corresponds to reality. If we find a financial institution with the name "Metrobank" reviews on loans and deposits, the following picture will develop. In the last months of the institution's work on the market, loans were no longer issued. Many users simply received refusals when, formally, the situation in the bank remained stable. Then came the "first calls" - payment delays. All the reviews look very similar, although they were written by different people. The situation has developed as follows: a person comes to the cashier, asks him to return his money to him, the cashier replies: it's impossible, come again. Of course, after such an Internet panic began among the depositors of the institution: people did not know where to turn and to whom, in order to return their money.

Employee feedback

What was the situation on the other side of the barricades? What happened to the people who worked for "Metrobank"? Since the institution was revoked, most of them were left without work. This is a normal process: after the closure of the enterprise, reductions follow. They touched and the staff of the bank. By the way, they also detained their salaries.

What we have? Obvious are two facts: the first - for several years the bank has shown good results and generated profit. The second - this year the actions of the management were called unprofessional, and the license for the activity was taken away. The question arises: why close a successful bank, and what happens to the money that was on his accounts? Apparently no one can answer it ...

In the meantime, people are waiting for their compensation payments. When they will, and if at all - time will tell.