Category: Солид Банк

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Expert RA confirmedratingSolid Bank's creditworthiness is ruBB with a stable outlook. This implies a high probability of maintaining the credit rating at its current level over the next 12 months.

The Bank's credit rating is determined by:

1. Weak market position assessment. Expert RA noted an increase in business scale: from September 1, 2024 to September 1, 2025, Solid Bank's assets increased by 77%. However, the Bank remains outside the top 100 banks in the Russian banking sector by assets, and its client base in the corporate and retail lending segments is limited.

2. An adequate capital position while maintaining high business profitability. As of 01.09.2025, the Bank's capital adequacy ratios were at an adequate level (N1.0 – 20.6%; N1.2 – 16.7%), allowing it to withstand a potential impairment of about 18% of the asset base and off-balance sheet liabilities at risk versus 11% a year earlier. The growth of the capital buffer is due to the high profitability and operating efficiency of the Bank's activities: ROE under RAS for the period from 01.07.2024 to 01.07.2025 amounted to about 65% versus 36% a year earlier, the CIR indicator was 33% versus 44%, respectively. At the same time, the Agency notes the predominant share of volatile components in the structure of the Bank's financial result, the main part of which is represented by income from foreign currency transactions, sensitive to the external environment. The capital position was further supported by a decrease in capital immobilization through investments in non-core assets, which had significantly declined: over the past 12 months, this indicator decreased from 44% to 29%. The concentration of assets in high-risk credit assets decreased amid faster growth in net assets: high-risk credit assets accounted for approximately 11% of the Bank's net assets as of September 1, 2025, compared to 18% the previous year.

3.      Satisfactory asset quality. In the structure of the Bank’s gross assets as of September 1, 2025, 57% accounted for liquid components, including cash, placements with the Bank of Russia and correspondent credit institutions, as well as a portfolio of securities and digital financial assets. Over the past 12 months, the volume of urgent placements on the interbank market has more than doubled and as of September 1, 2025 reached 28% of gross assets, mainly in the form of repo transactions with NPO NCC (JSC). The share of placements in NOSTRO accounts amounted to 4% of gross assets as of September 1, 2025, of which about 40% were claims on counterparties with ratings and conditional rating classes at the level of ruA- and higher on the Expert RA scale. The securities portfolio formed about 18% of gross assets as of September 1, 2025 and is almost entirely represented by investments in OFZs and debt obligations of issuers with ratings and conditional rating classes at the level of ruA-higher on the Expert RA scale. The client loan portfolio accounted for about 32% of the Bank’s gross assets as of 09/01/2025, of which the main share is loans to legal entities and individual entrepreneurs (about 30% of assets). This portfolio is characterized by an increased level of overdue debt (about 7%) and loans of IV-V quality categories (about 10%). Industry diversification of business loans is at an acceptable level: the top 3 industries accounted for about 57% of the portfolio of loans to legal entities and individual entrepreneurs as of 08/01/2025. As before, the Agency notes the low level of property security of the loan portfolio: as of 08/01/2025, about 21% of the debt of legal entities and individual entrepreneurs was secured by the pledge of real estate and rights to it. The retail portfolio formed less than 2% of gross assets and is mainly represented by unsecured consumer loans. Another approximately 3% of gross assets were investments in high credit quality DFAs. The Bank’s guarantee portfolio for the period from 09/01/2024 to 09/01/2025 increased by 23% and reached 71% of capital; its quality is assessed as low: the ratio of the amount of payments under issued guarantees to the average guarantee portfolio over the last 12 months was 4.6%.

4. An adequate liquidity position. This is due to the Bank's high balance sheet liquidity reserve: the average coverage of attracted funds by highly liquid and liquid assets for the period from 01.09.2024 to 01.09.2025 was 34% and 60%, respectively. At the same time, the Bank retains the ability to attract additional liquidity through repo transactions due to a portfolio of unencumbered securities of high credit quality. The funding structure is characterized by high diversification by sources: funds from individuals and corporate clients as of 01.09.2025 formed approximately 30% and 37% of liabilities, respectively. Another approximately 16% came from funds from credit institutions. The concentration of the liability base on clients remains at an adequate level: the share of the 10 largest groups of creditors, including credit institutions, amounted to approximately 29%, and the share of the largest creditor was approximately 8%. The agency notes a significant increase in funds raised over the past 12 months (78%), primarily due to increased balances in term deposit accounts for individuals and legal entities. However, large payments that could have a significant negative impact on the Bank's liquidity are not expected over the next 12 months.

5. A conservative assessment of corporate governance. This is due to the presence of certain deficiencies in the internal control and credit risk management systems. The Bank operates within the framework of its updated Strategy for 2025-2027. Business planning is conducted annually, with target indicators periodically adjusted based on the current macroeconomic environment. The current strategy envisions organic growth in the Bank's key business segments, maintaining its settlement specialization while actively expanding corporate lending, and launching new products in the areas of bank guarantees and factoring. However, in the Agency's opinion, given the current market conditions, the potential for achieving certain strategic indicators remains limited.

Reference information

Solid Bank JSC is a universal commercial bank founded in 1991 in Kamchatka. In 2017, the head office was relocated to Vladivostok. The bank has offices throughout the country: in the Far Eastern Federal District, Siberian Federal District, Tatarstan, Udmurtia, Bashkortostan, Moscow, Tula, Yekaterinburg, and St. Petersburg. The majority of offices are located in the Far East. For over 30 years, Solid Bank JSC has been providing a full range of services to businesses and private clients. General License No. 1329 of the Central Bank of the Russian Federation dated May 25, 2017.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Dear customers!

We would like to inform you that, effective November 24, 2025, the Solid Bank office in Yakutsk, located at 27/1 Kurashova Street, Yakutsk, 677000, Sakha Republic (Yakutia), will temporarily switch to the following operating hours for cash transactions:

• Monday-Friday from 9:30 to 18:00, • break: 12:00-12:30, 15:00-15:30, • Saturday-Sunday – closed.

Please take this information into account when planning your visit to the bank office!

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Effective November 19, 2025, Solid Bank has made changes to its line of deposits for individuals. Specifically, rates on the "Golden Autumn" and "Stable Interest" deposits have been increased by 0.5%.

Now:

• Base rate for deposit "Golden Autumn" – 16% per annum.

The remaining conditions remain the same:

• Duration – 91 days.

• Amount – from 30,000₽ to 5,000,000₽.

• Interest payment – at the end of the deposit term.

• Base rate for "Stable Interest" deposit – 14.5% per annum.

• Duration – 180 days.

• Amount – from 50,000₽.

• Interest payment – at the end of the deposit term.

• Replenishment – allowed during the first 60 calendar days.

You can read the full terms and conditions of deposits on the bank's website.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Solid Bank is ending its money transfer service with the Zolotaya Korona payment system. Effective November 14, 2025, transfers will no longer be sent or issued.

The termination of this cooperation will not affect the quality and availability of basic services for the bank's clients.

Please take this information into account when planning money transfers.

8 800 775 56 06 (free call within Russia).

www.solidbank.ru

Solid Bank JSC. General License No. 1329 of the Central Bank of the Russian Federation.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Fraudulent schemes are becoming increasingly sophisticated, and we want to stay one step ahead, together with you! To better understand the problems and situations facing the public, the Bank of Russia is conducting an annual survey of individuals and businesses from November 1 to 28.

You can help:

– to determine the degree of satisfaction of the population with the level of security of financial services,

– develop and implement measures to improve the convenience and security of banking services,

– to identify new methods of deception,

– improve the population protection system,

– warn others about possible risks.

The survey is completely anonymous and takes 3-5 minutes to complete, but its results can really help make the financial services industry safer.

Take the survey to learn more about scammers and fraudulent activities. To complete it: go to follow the link.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

The SolidPAY mobile app is now available for download on the domestic platform, RuStore. We continue to expand our capabilities to ensure convenience for every bank client.

The app has a familiar interface and the same functionality. Users can:

– managing your card accounts,

– requesting and receiving additional certificates and extracts,

– remote submission of some client applications,

– control of funds in deposits and savings accounts.

Find the app in the RuStore and install it on your devices to keep your finances always at hand!

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

We inform you that a new version of the Regulations for the Provision of Services on the Stock Market will come into force at Solid Bank JSC on November 28, 2025.

The full text of the document can be found at the link http://solidbank.ru/investment-services/brokerage-service/documents/.

Changes have been made to the document structure (Sections 1.1–1.6), disclosure deadlines, and the retention period for confidential information. Information on testing has been added (Section 1.11.7). Risk declarations have been supplemented (Appendices 9a, 9b, 9c), the Broker's Report form has been updated (Appendix 11), and a new Appendix has been created (Notice of Agreement Termination – Appendix 14). Changes have also been made to service fees (Appendix 7).

For any questions regarding this notice, please call: 7 (495) 644 40 47

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Starting November 7, Solid Bank is raising interest rates on two short-term deposits for individuals: "Golden Autumn" and "Stable Interest." Now, the returns on these deposits will be even more attractive to the bank's depositors.

Golden Autumn – a seasonal deposit for 3 months, where the rate has now increased to 15.8% per annum. Other terms remain the same:

• Base rate – 15.5% per annum. Possible increase to 15.8% per annum when applying for a debit card under the “Solid PRIME” and “Salary” tariff plans.

• Amount – from 30,000 to 5 million rubles.

• Duration – 91 days.

• Interest payment is made at the end of the deposit term.

• Replenishment, expenditure transactions, prolongation – not provided.

"Stable percentage" – a replenishable deposit for six months, the rate of which has risen to 14.3% per annum.

Conditions:

• The base rate is 14% per annum. It can be increased to 14.3% per annum when applying for a debit card under the Solid PRIME or Salary tariff plans. Or when applying for the Income Protection 2.0 insurance program at the premium rate for 181 or 367 days.

• Amount – from 50,000 rubles. No restrictions on the maximum allowable amount.

• Duration – 180 days.

• Interest payment is made at the end of the deposit term.

• Replenishment – allowed during the first 60 calendar days.

• Extension is provided. The deposit is extended automatically under the terms and conditions in effect at the time of extension.

You can see the full range of Solid Bank deposits by clicking here follow the link.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Dear customers!

In connection with the opening of the Kamchatka branch, the client base was converted to the balance of the Kamchatka branch. As a result, SMS messages about the change in details were sent to clients affected by these changes.

From November 5, 2025:

1. Branch Office No. 16 of Solid Bank JSC in Petropavlovsk-Kamchatsky was closed, and the Kamchatka branch of Solid Bank JSC was opened in its place. Clients of Branch Office No. 16 of Solid Bank JSC in Petropavlovsk-Kamchatsky were transferred to the Kamchatka branch for servicing.

2. Branch Office No. 18 of JSC Solid Bank in Yelizovo has come under the administrative control of the Kamchatka branch of JSC Solid Bank; clients of Branch Office No. 18 of JSC Solid Bank in Yelizovo have been transferred to be serviced by Branch Office No. 18 in Yelizovo of the Kamchatka branch of JSC Solid Bank.

3. A change in the name of a Bank division does not entail a change in the rights and obligations of the Bank to the Client, or the Client to the Bank.

4. All accounts, including card accounts, operate as usual; there is no need to renew the bank account/deposit agreement.

5. Due to the reorganization, the account/deposit details have changed. If the Client receives funds into the account (from an employer, the Pension Fund, etc.), the senders must inform the new account details.

6. Current account details will be sent in a separate SMS message to all customers affected by these changes.

Important: If you receive transfers to this account (from your employer, Pension Fund, etc.), provide the new details to the specified services.

We also remind you that the current details of the bank and its branches are posted on the bank's website in the "Details" section at the following link:http://solidbank.ru/bank-register/In the "City" filter, select the city where you opened your Solid Bank account.

Please take this information into account.

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.

Translation. Region: Russian Federation –

Source: Solid Bank – Solid Bank –

An important disclaimer is at the bottom of this article.

Dear customers!

From October 31, 2025, Tariffs for RKO for legal entities and individual entrepreneurs at JSC Solid Bank will change.

The changes will affect cash settlement services in foreign currency.

2. Settlement and cash services in foreign currency
Item No.	Name of service	Rate	Collection procedure	Note
2.1.2.3.	Account management in EURO and Japanese Yen	0.2% of the balance at the end of the business day	Every day, after 7 days from the date of crediting funds to the client's account	provided that the balance of funds at the end of the business day exceeds 5,000 units of the relevant currency

Current tariff collections are posted in the sectionhttp://solidbank.ru/rates/ 

Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.