VTB Bank is a major financial institution in Russia, with the Russian government being its principal shareholder. It operates as a universal bank, providing a comprehensive range of financial and banking services to a diverse client base, including individuals, small and medium-sized enterprises, and large corporations. Its core activities encompass retail banking (deposits, consumer loans, credit cards), corporate and investment banking (lending, transaction banking, M&A advisory), and private banking. Established in 1990 as Vneshtorgbank, VTB has grown through organic development and acquisitions to become the second-largest bank in Russia by assets.