On Friday, ACRA awarded "Realist" Bank a rating of B with a stable outlook. It is a small Moscow bank (334th in terms of assets in the ranking of Interfax-CEA in the first quarter of this year), it is owned by three people - Oleg Karchev, Vladislav Mangutov and Alexei Abramov through Bureaucrat. She became a shareholder of the bank in July 2017.

Karchev is a former principal owner of the banking group "Growth Bank", which was sanitized twice already. Karchev's banking group included seven banks - Growth Bank, SKA-Bank, Tveruniversalbank, Kedr, Uralprivatbank, Akkobank and Baikalinvestbank. In the latter, Karchev is still co-owner, he owns 9.99% of the bank's shares. The rest of the banks he lost in the fall of 2014, when the Central Bank announced the reorganization of the group. Its recovery took up Binbank, which received 35.9 billion rubles. In an interview with Vedomosti, the now-former owner of Binbank, Mikail Shishkhanov, said that "Growth Bank" was in itself a bad debt and, before Binbank came, was a large laundering office, there were many transaction transactions. He called the "Growth Bank" a sad acquisition.

ACRA has a negative opinion on the business reputation of "one of the beneficiaries who acted as a shareholder of" Growth of the Bank "and a number of related banks," the agency said. Karchev, however, does not formally have an inadequate business reputation, and the Central Bank was not included in the black list, and therefore can own banks, told Vedomosti two people close to the regulator.

Realist has high capital adequacy ratios of H1 20.2%, which allows it to withstand the growth of the risk value in a significant amount without violating the mandatory standards on the horizon of 12-18 months. The bank's own capacity to generate profit ACRA rated moderate. At the same time, the bank has a high concentration of the loan portfolio - the share of the 10 largest groups of borrowers accounted for 58% of the portfolio, analysts say. The share of problem loans is moderate, but since the beginning of the year it has grown from 3.2 to 8.5%. ACRA writes that the assessment limits the risks of deteriorating the quality of the loan portfolio as business volumes grow - in five months of this year, growth was 20%. The bank is funded mainly by individuals - they account for more than 60% of the bank's liabilities.