JSC AKB "NOVIKOMBANK"

Novikombank began its operations in 1993 in the form of a partnership with limited liability (LLP). Its founders at the time were:

• Mostex textile company;
• Naftam CJSC;
• Interdisciplinary Research Center for Optical and Physical Environmental Research CJSC;
• Multichip-RT JSC;
• Tsentr retail chain;
• Lira CB OJSC;
• N. P. Osipov National Academic Orchestra of Russian Folk Instruments;
• SUNSET LLC;
• Relax company;
• GAVER LLC. 

In addition, there were other companies among the shareholders. For example, VETERANS OF FOREIGN INTELLIGENCE ROO and AvtoVAZ OJSC. 

In 1993, the company changed its legal form to a CJSC (closed joint-stock company), and in 2014 to a JSC (joint-stock company). In 2004, the bank joined the Mandatory Deposit Insurance System. 

In 2011, the Russian state corporation Rostec joined the list of Novikombank's shareholders. By mid-2018, it owned 100% of the company's shares.

As mentioned above, today 100% of Novikombank's shares are owned by the Russian state corporation Rostec. Today, the Chairman of the Management Board of the bank is Elena Alexandrovna Georgieva.

The main focus of Novikombank's activity is servicing corporate clients. However, the company also provides services to individuals. In particular, bank cards, loans, deposits, and insurance are available to them. 

Debit cards

Among the debit cards available at Novikombank are the following:

• "Always in the Black";
• "MIR Premium";
• "MIR Classic". 

Credit cards

Among credit cards, the bank offers only two options:

• "MIR Classic";
• "MIR Premium".

Consumer Lending

If Novikombank clients urgently need money, they can apply for a consumer loan under one of the following programs:

• "Overdraft";
• "Consumer loan for payroll clients";
• mortgage under the "Primary Market" program;
• mortgage under the "IT Mortgage" program;
• Far Eastern Mortgage program;
• Secondary Market mortgage program;
• Family Mortgage program;
• "Third-Bank Mortgage Refinancing";
• "Mortgage for new buildings in the ALIA residential complex";
• "Targeted loan secured by existing real estate".

Deposits

The following savings products are available here for customers to grow their funds:

• "Rantye" (Rentier);
• "Premium Capital";
• "Capital";
• "Social Capital".

Insurance

Among Novikombank's insurance programs, only "Retail Loan Insurance" is available.

The advantages of Novikombank include the following:

1. Reliability — the company is a state-owned bank, which guarantees its stability and security.
2. Wide range of services — the financial institution offers a broad lineup of banking services, including bank cards, consumer loans, deposits, and insurance.
3. Convenient servicing — the organization provides a user-friendly client app, as well as a large network of branches and ATMs.
4. Favorable terms — Novikombank offers attractive terms on loans, credit cards, and deposits, as well as low service fees.
5. Support for small and medium-sized businesses — the bank actively supports small and medium-sized businesses and corporate clients, offering special service and lending terms.