On September 5, 2025, Center-invest Bank hosted a presentation of the adaptive, controlled artificial intelligence (AI) model, Socially Responsible Banking, which was developed based on articles, books, and public presentations by the bank’s team over more than 30 years.
The presentation included an intellectual battle at the intersection of science, media, and AI experimentation between VVV (V. V. Vysokov, Chairman of the Bank’s Board of Directors, professor, Doctor of Economics, and author of books on socially responsible banking) and the VVV AI (a neural network trained on his work).
"The model works with different clouds. This is a ‘goldfish’ that reflects different cloud models and is available in different languages. We will present this model not only to the Government and the Bank of Russia, but also to the UN, our clients, universities, and partners, so that students — future officials and managers — know what ‘socially responsible banking’ is," comments V. V. Vysokov, Chairman of the Board of Directors of Center-invest Bank, Professor, Doctor of Economics.
The project’s main goal is to consolidate Center-invest Bank’s experience and leverage the potential of AI to promote a sustainable banking business model and create a publicly accessible platform for improving financial literacy.
"Once again we saw: Center-invest Bank starts, but everyone wins. The battle showed: AI should not be feared, but rather used in teaching both schoolchildren and students. For employees, I will apply not only instructions, but also prompts, summarises Besarion Chokhoevich Meskhi, the rector of the Don State Technical University, Professor, Doctor of Engineering.
The effectiveness of Center-invest Bank’s socially responsible business model has been proven over time and demonstrates outstanding financial results. According to the Expert RA rating agency, the bank ranks 5th in the country in terms of the volume 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.
In the first half of 2025, total tax revenues from businesses in the Rostov Region remained at the same level as last year. Taxes paid by Center-invest Bank clients increased by 11.2%.
The bank’s overdue debt is many times lower than the regional average: 20 times lower for corporate loans, 4.7 times lower for loans to small and medium businesses, 15.8 times lower for loans to individual entrepreneurs, and 2.3 times lower for loans to individuals.
"We are building a secure future with the best and most responsible clients. Our risks are lower and our resilience is higher," explains Professor Vysokov.
Center-invest Bank’s experience has been recognised as a best practice by the UN Responsible Banking (UNEP FI PRB) program, and the AI model’s capabilities will enable this knowledge to be conveyed in order to promote responsible business practices.