Hello! I don’t like to tell others about my stupidity and legal illiteracy - it’s very embarrassing, you know ... But here I can’t keep silent, and suddenly I can save someone from trouble.

I sent a cry from the heart to the OTP Bank to the hotline - I tried without errors and profanity ... And there are sorely lacking regulatory words, believe me! I also want to speak out in the national rating, to ease my soul and rehabilitate myself, at least in my own eyes. In general, closer to the topic ...

There is such a magical bank called OTP... It is not clear how it stands for, they probably offer odes to consumers of their services... He successfully finds such people (here I am, for example), works for them and prospers at their expense. The scheme works flawlessly: retail outlets offer an INTEREST-FREE INSTALLMENT PAYMENT and, under its guise, sell you a consumer loan from OTP at 33% -52% per annum and a bunch of tricky hidden penalties prescribed by the contract ... Well, probably, they insure their risks in this way, still - loans - they give it away almost for free! When the brain turns on (it’s a pity that it’s too late) and you understand all this, it’s natural that you run away and refuse to purchase goods on such terms, because the application was written, I repeat, for an INTEREST-FREE INSTALLMENT PAYMENT. You refuse the goods and hear how they tell you that they "carried out the deauthorization of the credit." And you, naive, think that “Ugh! I did it!”, you think that you don’t owe anything to anyone. WELL DOODS! This is absolutely not true!

Two weeks later, they send you an SMS with a request to pay the n-th amount within the specified period ... This is where the fun begins. The first stage: communication with OTP-bank employees. Where to look for them? The SMS contains the Moscow hotline number of the bank (for information, I live in Orsk). On the hotline they tell me that "there is no branch of OTP Bank in Orsk." It became unclear to me how I managed to get a loan from them! After my timid inquiries about what I should pay them for, I realized that I do not deserve to be communicated with by the honored employees of this OTP-bank! My petty selfish interests prevent them from solving problems on a planetary scale! After 5 minutes of communication, I felt as if I had betrayed my Motherland or stolen a stroller from a disabled person! Psychologists probably work on a hotline. And the most interesting thing is that they do not specifically explain anything! They basically don't explain anything! And they still hang up. After suffering for an hour, I still managed to find the address of the OTP-Bank branch in Orsk. Apparently, they secretly settled there for their parent company. Well, since Moscow still doesn’t know about it?!

I'm already calling Orsk. Again I ask: “For what? On what basis? At least name the clause of the contract ... ". They answer me: “Call the organization where you applied for the loan and ask them!” I called that organization, they answered: “This is a fine for refusing a loan! If you don't like it, deal with the bank! I called the bank again, asking them to name the clause of the contract providing for a fine for refusing a loan. I hear in response: “This is not a penalty for refusing a loan, this is a payment for a month of using the loan, because you signed an application for the return of goods! If you don't like it, call the trade organization and deal with them!" I called the trade organization, they sent me to the bank again! And so for a week they sent and sent ... Probably, they even got tired. They were rude, ordered to stop “boiling” or “boiling” - I don’t know how it will be right, I need to call the girls again, consult about the rules for writing this word.

As a result of all this, I ended up on your site, looking for at least some information. I wrote a question to the OTP hotline, turned to their leading specialist of the regional development department, although it was already very scary after a week of communication with their specialists! And only now, after consulting with a leading specialist of the regional development department, I found out that the Civil Code is not valid for this bank, and it doesn’t matter that until the moment the funds are provided, the loan agreement is considered not to have entered into force. They have a more interesting and tricky fad in the consumer loan agreement: you are obliged to pay interest for the first month of using the loan, even if you did not have time to receive this loan. It is enough that you refused to purchase goods from bank associates. But what about the law on banking activity, which prohibits the introduction of hidden fees in contracts for consumer loans?! Apparently, this law also does not apply to this bank? From everything that is happening, I got the impression that the dashing 90s are outside the window ... And now, for the delay in paying the fine for refusing a loan from OTP Bank, such cool brothers will come to me, wrapped in leather, and they will educate me in their own way, for example, with an iron... So that it would be disrespectful to refuse consumer loans! And there is another good clause in the contract (clause 8.6), that they can transfer my debts to third parties ... It turns out that collectors are within easy reach! So my fears may well be justified...

So, my fellow consumers, I hasten to inform you that the scheme of “pushing consumer loans at exorbitant interest rates” is working perfectly and flourishing today! And it brings a lot of income to its participants... So beware of peaceful housewives and other modest inhabitants, gullible and ignorant of the laws, who have a dream and do not have the means to acquire it! Look around, merchants and bankers are waiting for you, they will take away not only your dream, but also peace! Remember, there is no place for trust in our cruel world, read, carefully read what is written in small print, and what the bank employee says: "You don't have to read this, it's just specific information about the bank ...".

By the way, someone may be interested in this, the trade organization that was discussed above is the ELITE SPA SALON "GOLD DE BOTE", distributing ELITE cosmetics "De - Sheli" ...

Brief description of OTP Bank (history, founders, branches, authorized capital)

The history of the Russian OTP Bank begins with the creation in March 1994 of the Germes savings bank, which at that time was part of the concern of the same name. Later, the bank was transformed into JSCB "Bank of Investments and Savings" (abbreviated as Investsberbank). In February 2005, the merger of Investsberbank with the capital's Russian General Bank was completed on the initiative of the latter's shareholders. It was believed that Investsberbank had a more promoted trademark in the private deposit market, so the merger of banks took place on its basis, and the RSL license was canceled. The size of the deal was then estimated at $800,000. In August 2006, the bank also merged Omskpromstroybank and Promfinservicebank. In October 2006, the Hungarian OTP Bank completed the acquisition of a 96.4% stake in Investsberbank for $477 million. In 2008, Investsberbank switched to the parent brand and was renamed OTP Bank.

Now the Hungarian OTP Bank controls 97.81% of the shares of the Russian credit institution, a further 1.2% stake is owned by the Hungarian Investment and Property Management CJSC MFB Invest. The remaining shares (less than 1%) are distributed among other shareholders.

OTP Bank provides customer service through its own network of 175 offices, including 9 branches, 166 outlets (of which 35 are in Moscow), 51 cash desks and 225 ATMs.

Rice. one

Clients are offered a standard set of banking products and services (money transfers, rent of safes, plastic cards, settlement and cash services, remote banking, trade finance, conversion operations, operations with securities, deposits and deposits, as well as commercial, consumer, mortgage lending, etc. .). OTP Bank's activities cover 70 regions of Russia, while the POS network includes more than 17,500 retail outlets, 95 Bank's credit and cash offices, is represented in 7 out of 8 federal districts, and is actively operating in all cities with a population of more than 1 million people . The largest regions of the Bank's presence are Moscow, St. Petersburg, Samara, Novosibirsk, Omsk and Rostov regions, and the Urals. In total, OTP Bank is present in more than 2,700 settlements in Russia.

At the end of 2012, the bank's balance sheet currency index increased by 22%. In the passive part, there was a noticeable increase in the volume of deposits of individuals and enterprises, in assets, newly attracted funds were mainly distributed in the loan portfolio, as well as invested in securities.

The resource base is dominated by deposits and current accounts of individuals - 32% of liabilities, the bank's own funds account for 24%. 15% falls on accounts and deposits of legal entities, 6% is attracted from the parent organization. Turnovers on customer accounts within a month amount to 90-150 billion rubles.

In assets, 80% is occupied by the loan portfolio, in the composition of the portfolio, almost all loans issued fall to individuals (97%). The organization has significantly increased the volume of loans to private clients. The delay is shown at the level of 15% under RAS (as of January 2012, this figure was 9%, growing in dynamics). 12% of net assets are invested in securities, 2% of which are government bonds; placements in banks (issued interbank loans) also account for 12%. In the domestic interbank market, the financial institution works in both directions, acting as a net creditor, as well as attracting the missing amounts of funds. The organization actively conducts transactions in the foreign exchange market, as well as in the debt securities market, including in the format of REPO transactions.

At the end of 2012, OTP Bank received a net profit of about 6.5 billion rubles, according to financial statements under RAS (in 2011, the same figure was 5.2 billion). As of December 1, 2013, the bank earned 775 million rubles.

Board of Directors: Istvan Hamets (Chairman), Ildiko Tax, Zoltan Shenk, Peter Forrai, Miroslav Vichev, Akos Monoshtori, Georgy Chesakov.

Governing body People: Georgy Chesakov (Chairman, President), Sergey Kapustin, Valery Stepanov, Yulia Oreshkina.

Owing to economic and legal considerations OTP Group provides its universal financial services through several subsidiaries. In Hungary traditional banking operations are performed by the Bank while specialized services, including car leasing, investment funds are developed and offered by the Bank's subsidiaries. Insurance claims of OTP Group clients are supplied by sales of insurance products with strategic collaboration with french insurance company, Groupama, after its OTP Garancia aqutision.

OTP Bank

Owing to economic and legal considerations OTP Bank provides its universal financial services through several subsidiaries.

OTP Fund Management

OTP Fund Management Ltd is the largest Hungarian institutional investor and the best-capitalised organization concentrating purely on asset management on the Hungarian market.

OTP Building Society

It is the market leader in the building society savings market offering saving opportunities that entitle the savers to state subsidies, tax allowances.

OTP National Health Fund

The main activity of the Health Fund is the organization and finance of public and individual health care programs.
www.otpep.hu

OTP Pension Fund

One of the biggest members in the voluntary pension fund market in terms of total assets and membership.
www.otpnyugdij.hu

OTP Travel

OTP Travel as a significant member
of the Hungarian tourism market
deals with air ticket sales, event management and the organization
of domestic and foreign travel.
www.otptravel.hu

OTP Real Estate Lease

The biggest member of Hungarian retail flat leasing market. Offering leasing services of new and used flats for private, corporate customers and for local governments.
www.otpingatlanlizing.hu

OTP Real Estate

OTP Ingatlanpont is one of the leading real estate agencies thanks to its nationwide coverage and its dynamically growing portfolio of mainly exclusive assignments.

OTP Real Estate Fund Management

The Company was established to manage the portfolio of the OTP Real Estate Fund.

OTP Mortgage Bank

The subsidiary was established to provide subsidized mortgage bonds based housing loans completing the range of housing loans offered by the Bank Group.

OTP Hungaro Project

Besides general strategic consulting the main activity of OTP Hungaro-Projekt Ltd. is offering project preparation and management services for the use of EU Funds.

OTP factoring

OTP Factoring Ltd. is the largest corporation in the country purchasing and collecting receivables.

OTP Factoring Asset Management

Main business activities include management and sales of real estate collateral transferred by OTP Factoring Ltd.

OTP banka Hrvatska d.d.

OTP banka Hrvatska - the fourth largest bank in the Croatian banking market – the market leader on the Croatian coast.
www.otpbanka.hr

OTP Bank Romania S.A.

OTP Bank Romania offers a wide range of financial services, it is retail clients that constitute the main focus of the Romanian bank.
www.otpbank.ro

DSK Bank Group

The market leader in the Bulgarian banking market provides its clients with a full range of financial services.
www.dskbank.bg

Vojvodanska banka a.d.

The Serbian subsidiary of OTP Bank has a significant retail customer base but as a universal bank it is also active in the corporate segment.
www.voban.rs

JSC OTP Bank

As a step of its regional expansion, OTP Bank has entered the Ukrainian banking market.

Several leading banks operate in Russia, among them OTP Bank. This organization offers products and services to both individuals and legal entities. Favorable service conditions and a loyal credit policy attract new customers every day and allow the bank to develop rapidly.

About OTP Bank

The history of the financial organization began in 1994. Initially, OTP was called Investsberbank, but due to the radical metamorphoses associated with entering the OTP Group, in February 2008 it became known as OTP Bank

Group

In 2006, OTP Bank became part of the Hungarian OTP Group, which today is the leading financial institution and leading provider of banking services in Europe. The Group is involved in such areas as banking, insurance, investment, leasing. Its basis is OTP Bank, located in Hungary. It occupies 26% of the national market, and the value of its assets is estimated at 10,978,359 million forints. Apart from Russia, the following countries belong to the group:

1. Ukraine.
2. Bulgaria.
3. Slovakia.
4. Serbia.
5. Montenegro.
6. Croatia.
7. Romania.

The Latin abbreviation OTP stands for Országos Takarékpénztár (National Savings Bank). Over time, it migrated to Russian and began to be used to name local branches.

Story

OTP Bank is developing rapidly. Throughout its activities, there has been a constant increase in assets and profits, the introduction of new technologies, the creation of high-quality products. Great achievements have been repeatedly noted at various awards. We should also pay tribute to the management, which, due to their correct decisions, brought the company to a high level.

The history of the development of OTP Bank is presented in the table:

Mission and Vision

"OTP Bank" seeks to win the trust of consumers, which he succeeds. It sells affordable products and services in all regions of the Russian Federation. Its mission is to increase the level of financial literacy and develop the banking services market. The vision of OTP Bank is to achieve the following long-term goals:

• increase the number of regular customers up to 3 million;
• get into the TOP-20 banks of the Russian Federation;
• become one of the main industries of the OTP Group.

Given that OTP has a stable growth in profits and other indicators, it will be able to realize its plans in the near future. A large flow of customers is ensured by favorable conditions for loans and deposits, a wide selection of banking products, and high-quality European-level service. Tariffs are calculated for citizens of various social status, including pensioners, beneficiaries, and the unemployed. The requirements that are put forward to potential customers are very loyal.

Management of OTP Bank

In the process of the company's formation, its management was constantly replaced. However, today it looks like this:

Financial indicators

"OTP Bank" for the last reporting period (03.2018) has improved its financial performance. The indicators from the reporting are given in the table:

Address and details

The main office of the bank is located in Moscow and has the following legal and actual address: 125171, Moscow, Leningradskoe shosse, 16A, building 1. However, postal correspondence is delivered to the address: 127299, Moscow, Clara Zetkin street, 4A, building 1.

To make transfers, below are the details of the financial institution:

Clients and partners

The main contingent served by the bank are individuals. For them, he developed a standard set of products, including consumer loans at retail outlets, deposits, and credit cards. It also serves corporate clients. For them, settlement operations, placement of funds on deposit accounts and much more are carried out.

The bank has many partners. The most popular of them are the following companies: Moscow Jewelry Factory, Snow Queen, Megafon, Euroset. They offer various discounts and bonuses to bank customers. You can also apply for a loan in partner stores, which is very convenient.

OTP Bank is the leader in the financial market in Russia. Therefore, choosing a reliable financial institution for making deposits or applying for a loan, you should pay attention to it first of all. It offers the most favorable conditions in Russia, which will be optimal for various segments of the population.

Education OTP bank took place in 1994. At that time, the institution was called Investsberbank. And since 2008, the organization has been known to Russian consumers of banking services under the current name of the company. V bank Today, customers are given the opportunity to take advantage of various types of lending. Develop in this direction and become one of the largest consumer lending institutions OTP bank helped by joining the Hungarian banking group OTP Group.

Thanks to this merger, the institution gained access to numerous financial instruments, as well as many years of experience in the European jar in the provision of credit services to the population. This gave impetus to the development of retail and wholesale business in the Russian Federation. To date OTP bank does not stand still, but develops rapidly. The financial condition of the institution is getting stronger. And indicators that demonstrate reliability jar show stable growth.

OTP bank is the largest commercial company operating in the Russian territory. This is a subsidiary of the Hungarian company OTP Group, which has been providing financial services to the public since 1998. Today the company is represented by branches located in Central and Eastern Europe. Bank is a joint stock company. He has been AO since December 2011. Shareholders jar are:

• OTP bank. This is the holder of the main block of shares, the percentage of which is 66.1%;

• Alliance Reserve. This institution owns 31.71 percent of the total shares;

• Other shareholders. Today by holders of 2.25 percent of the shares jar are small shareholders.

The Chairman of the Board of Directors is Istvan Hamets. V Russia president of a financial institution OTP became Georgy Cherkasov. On the board of directors jar there are more than eight people. Among them: Chizhevsky I.P.; Oreshkina Yu.S.; Dremach K.A.; Satybuldiev M.M. and many others.

The official Internet portal provides complete information about the management team jar. Also, the clients of the organization have the opportunity to familiarize themselves with the documents of the board. They noted the experience and qualifications of the management staff.

Russian representation OTP is part of the combined OTP group, which is active in financial activities in Central and Eastern Europe. The backbone of this business group is OTP Bank, which is the largest commercial institution in Hungary. Her banks approximately 25.6 percent of the national Hungarian market is occupied. Five years ago, the company's assets in the first nine months exceeded ten billion forints. Last year, according to Forbes magazine, the place jar in the world ranking of financial institutions was 962.

The main branch of the credit institution is located in Budapest. The history of the establishment of Hungary began in 1949. Then the State Savings bank Hungary. Its local name was Országos Takarékpénztár. It was from him that the name of the group itself went further. OTP bank. Since 1990, this commercial enterprise has been a public banking enterprise. And in 1995 the bank was privatized.

Years of transformation of the banking organization

V bank over the years of existence there have been many changes and transformations. The key periods for the financial institution were from 1995 to 1999. During this time bank became a universal financial organization providing the population not only with consumer loans. Since then approximately 81.4 percent of the shares have been listed on the Budapest Stock Exchange. Bank holds numerous global receipts which are currently listed on the Luxembourg Stock Exchange. The Board of Directors currently works under the leadership of Sandor Chani. The OTP Group owns OTP financial institutions located in Russia, Ukraine and many other European countries.

Attention! All information on this website is provided for informational purposes only. The site does not collect and process personal data. Federal Law of July 27, 2006 N 152-FZ "On Personal Data" is not violated.