Center-invest Bank compared its performance with national indicators and demonstrated confident leadership in loan quality. According to the latest data from the Bank of Russia and MSP Corporation JSC, the share of overdue debt in the SME portfolio in Russia is 5.0%, and in the individual entrepreneur portfolio — 10.9%. In the loan portfolio of Center-invest Bank, the share of overdue payments in SME loans is 0.95%, and in loans to individual entrepreneurs — 0.55%.
Moreover, according to the Expert RA rating agency, the bank ranks 5th in the country in terms of loan volume issued in 2024 and is among the top 3 credit institutions with the highest growth in their individual entrepreneur loan portfolio in 2025, according to a study by the Brobank.ru service.
The high quality of Center-invest Bank’s small business loan portfolio is the result of work based on the sustainable banking model: creative and responsible. Center-invest Bank does not engage in interest rate wars, customer poaching, or profiting from customer difficulties. Instead of raising rates, the bank improves the quality of its loans. It is a win-win strategy: both the customer and the bank win.
In the Rostov Region, in the first half of 2025, compared to the first half of 2024, the amount of taxes collected did not change and even decreased slightly compared to the same period of the previous year. At the same time, Center-invest Bank clients’ tax payments increased by 11.2%. The bank’s clients are paying more in taxes, meaning their businesses are performing better than the market average, they employ higher-paid and therefore better staff, and the budget receives more funds to carry out its tasks.
To ensure the bank’s clients — individual entrepreneurs and small and medium-sized businesses — are globally competitive, Center-invest Bank conducts an ESG rating for SMEs (94% of the portfolio have an ESG rating from Center-invest Bank), which takes into account the company’s financial performance and non-financial factors. Around the world, there are calls for ESG ratings for small businesses as partners of multinational companies. Center-invest Bank’s digital platform shows that SME clients with high ESG ratings have lower delinquency rates. Center-invest Bank’s experience in managing small business risks is included in the UN Sustainable Banking Project’s best practices program.