Long gone are the days when the word "capitalist" aroused extremely negative emotions among ordinary people. Today, it is quite possible to call this a person who uses the funds at his disposal to increase his own capital in different ways and with the use of available financial and investment instruments. It is on this principle that the Capitalist system is built, which is a specialized Internet platform. Its developers have come a long way from ordinary users who earn on clicks to the owners of their own online platform. This system will be discussed today in this article on the pages of the 24paybanks exchanger.

 The principles of the online resource

The system was conceived as a crowdfunding project. This term, unknown to most of the users, means an effective tool for raising money for the implementation of interesting projects. Long-term practice has proven the efficiency of this method. Thus, the world leaders in the field of crowdfunding attract nine-figure investments per year. It is quite clear that Capitalist.net serves as a convenient platform for finding interesting projects and new types of business, as well as forging partnerships.

The resource contains both young capitalists and representatives of the enthusiastic community. Using the platforms functionality makes it possible to find an interesting project, investments in which are guaranteed to bring the investor a good profit. Also, project developers get a unique opportunity to present their idea to people interested in promoting a new product to the market.

But creating an innovation is a tricky business that in most cases takes a long time. Whereas the business should be profitable. Therefore, the Capitalist system offers related services, which will be described in more detail below.

 Additional services

Speaking of additional services, first of all, we mean the implementation of settlements using virtual currency and electronic payment systems. The resource has everything you need for quick and convenient financial transactions. Thus, the developers of the project successfully cooperate with the most popular payment systems today. The partners of the system include such services as Paxum, WebMoney and OKpay.

Moreover, the resource serves both individuals and commercial structures. Optimal working conditions have been created for each category of clients. Thus, the Capitalist system provides ample opportunities to its private clients. They can:

Top up your internal account free of charge.
Make payments.
Accept payment from counterparties, which is credited directly to their internal account.
Withdraw money without any amount restrictions. Moreover, the withdrawal is carried out in two ways - to a virtual wallet or a credit card attached to the account.

There are also interesting options for commercial structures. First of all, it is possible to make the work as easy as possible using the mass payments function. On the Capitalist.net website, you can create a single file for making payments to a virtually unlimited number of partners and employees. The interested party only needs to indicate the payment details of each recipient. And with a single click, the money will be immediately transferred.

Also, the API function makes it possible to integrate payment documents into the system. However, this option can only be used by organizations that have received the status of verified user. If you have technical problems with the connection, you can always use the help of the support service. Such users have access to a service from the Capitalist system called "security certificate". Its activation occurs through the security settings on the personal page of each participant in his profile. If the service is activated, then all financial documents are signed automatically using a security certificate.

 The shortest way to implement interesting ideas

Each user who created a project sooner or later faces the problem of its implementation. After all, it is not enough to generate a certain idea, the most difficult thing is to implement it. That is why the Capitalist system was created. The platform unites around itself a whole group of users who are quite capable of turning an idea into a finished product.

Each participant can count on the support of his project from investors, if the idea turns out to be bright and creative enough. But even if it does not arouse the interest of the newly minted capitalists, then participation in the system will still not be in vain. Thus, the author of the project can count on cooperation with experienced development managers and professionals in other fields. Their advice is guaranteed to help implement the idea and promote the finished product on the market.

Detailed information about the resource team can be found on the Capitalist.net website. Each new member can post their occupation and the skills they have. This will provide an opportunity to participate in the development of interesting ideas. And the authors of the project will be able to find experienced specialists who will help to bring their ideas to life.

The system does not limit its participants in choosing a reward scheme. Investors can be offered mutually beneficial cooperation for obtaining a certain share in the business or a percentage of the profit received. It is also possible to obtain funding for projects already in operation. And additional services from the Capitalist system will help to quickly and conveniently carry out all mutual settlements using the functions of external and internal payments.

In general, the Capitalist opens up quite wide opportunities for its participants. By joining the system, the authors of the project have a unique opportunity to find investors to implement their ideas. In addition, they can recruit experienced professionals to manufacture the finished product and market it. You should also not forget about the convenient payment system, which allows you to quickly perform financial transactions on favorable terms.

Bank Russia is a financial institution in the form of an open joint stock company. The headquarters is located in St. Petersburg. Auditing services are provided by the PwC Group (PricewaterhouseCoopers), headquartered in London. The Bank of Russia carries out its financial activities on the basis of the Central Bank license dated September 3, 2012 No. 238 Bank foundation year: 1990.

Activity: asset growth

Since its inception, the bank has focused on serving customers in the North-West District. After merging with the closed joint-stock company Gazenergoprombank, Bank Russia opens new branches in major Russian cities, including Ufa, Kursk and many others. In 2014, the first branch of the bank was opened in Crimea. As of 2016, 20 branches of the Bank of Russia were opened on the territory of the peninsula. In total, Bank Russia has more than 20 branches, which operate in 25 regions of Russia. The number of offices and official points of sale exceeds 60. Timely fulfillment of its obligations, as well as an increase in assets, contributes to the improvement of the quality of services, as well as the range of banking products. In 2009, Bank Russia had assets of RUB 111 billion. Over the next years, the following dynamics of asset growth took place (in billion rubles):

2010 - 260;
2011 - 304;
2012 - 318;
2013 - 421;
2014 - 527;
2015 - 558.
The figures are presented as of December 31.

As of December 31, 2015, the bank demonstrated the following financial indicators:

net profit - 2.88 billion rubles;
loan portfolio - 277.98 billion rubles;
deposits of individuals - 37.8 billion rubles;
investments in securities - 142.96 billion rubles.

Subsidiaries

Since its inception, the banks activities have been accompanied by financing projects in major industrial sectors. At the same time, the bank introduced innovative products, providing clients with flexible and beneficial terms of mutual cooperation. Currently, Bank Russia plastic cards are widely used within the framework of numerous credit and deposit programs. The bank relies on remote servicing of private and corporate clients. Also, the banking group includes several large enterprises that belong to various economic sectors. Thus, the banking group owns a controlling stake in IC Sogaz, which is managed through the Abros division (the company belongs to Bank Russia). The Bank owns significant assets of the National Media Group, as well as the Leader company (38.3%).

2012: own processing center

Joint Stock Bank Russia is included in the list of financial institutions that are entitled to receive financing in foreign currency from the Central Bank without additional collateral. 2012 was a turning point in terms of technical support: the financial institution began operating its own processing center and Bank of Russia cards were transferred to self-service. Until that time, the bank used the services of third-party organizations within the framework of outsourcing. Due to the presence of its own center for servicing payment systems, the financial institution increases the speed of making money transfers, and also guarantees an increased level of data confidentiality.

2014: sanctions

The year 2014 became a turning point in the banks activities, when PS Visa and MasterCard stopped making payments using cards issued by Bank of Russia. The reason was the introduction of sanctions by the United States and accusations of the banks leaders of providing financial assistance to Russian officials who may have been involved in the annexation of Crimea. As a result of the sanctions, Bank Russia announced its intention to work exclusively on the territory of Russia and only with the national currency. Today the Bank is the issuer of the Mir payment system.

Ratings

According to the Expert RA agency, presented at the beginning of 2016, the Bank demonstrates the highest indicators of stability and creditworthiness. In terms of the volume of assets, as well as the dynamics of their growth, the financial institution is among the twenty best banks in Russia. On the territory of the North-West region, Bank Russia is consistently included in the TOP-3 largest credit and financial structures. The basis for such achievements is compliance with the rules of banking business, high professionalism of employees, as well as innovative technologies. The bank takes part in sponsorship projects, is engaged in charity work and other socially significant programs.

Deposits for private clients

The list of the banks services includes a standard service package, including debt financing, RBS, bank cards, securities transactions and deposits. All financial transactions are carried out in rubles. All deposits can be opened through regional offices, as well as Bank Russia online - the ABR DIRECT mobile application, which allows you to manage money without being tied to stationary services. At present (2016) the Bank offers three main types of term deposits:

"Scarlet Sails". The client can open a deposit in the amount of more than 3 thousand rubles. The bank does not set minimum restrictions on account replenishment. The interest on the deposit is determined based on the amount and timing of the placement of funds. So, if you deposit the minimum amount for 30 days, the rate will be 6% (90 days - 8.1%, 180 - 8.5%, 270 - 8.6%, 366 - 8.7%). In general, the rate varies in the following range:

100 thousand rubles - 6.6% -9%;
1 million rubles - 7.1% -9.2%;
10 million rubles - 8.1% -9.5%.
"Classical". Payment of interest is provided on a monthly basis. The maximum term of the deposit is 5 years. The rate is up to 9.5%.

"Universal". Partial withdrawal of funds is provided. The rate is 8% -9%. For the convenience of calculations, you can use the Bank Russia online calculator service, which will allow you to make a choice in favor of a certain deposit.

Private lending

Consumer lending is designed specifically for various categories of the population. For strategic partners of the bank, namely employees of companies and organizations, a rate of 14% -16% is provided, depending on the type of loan (with or without collateral). So, without collateral, an amount of up to 750 thousand rubles is provided. The maximum limit with collateral is 3 million rubles with a financing period of 60 months.

For employees of budgetary organizations, similar conditions are presented. The rate is presented in the range from 16.5% to 17.25%. In both programs presented by Bank Russia, the rate may differ by 1% -2.5%, depending on the following factors:

package of insurance services;
the borrowers credit history;
the presence or absence of the borrowers salary account with the bank;
method of debt repayment.

Mortgage loan from Bank Russia

The bank implements two main programs to buy real estate:

"Finished Housing" and "Housing under Construction". For the purchase of housing on the secondary market, the Bank of Russia allocates up to 15 million rubles for a period of 25 years. With a mandatory deposit of 20%, the rate is 13%, and with a deposit of 50% or more - 12.5%. Conditions for clients who are strategic partners of the Bank are the most beneficial.

For the purchase of an apartment on the primary market, two programs are presented: "New meters" and "Military Mortgage". The average rate is around 12% -13%.

Overdraft for private clients

Financing is provided only for clients who have Bank of Russia cards as part of salary projects. Overdraft refers to short-term loans and, in accordance with the terms of the "Classic Opportunity" program, is allocated in the amount of not more than 95% of the borrowers income (wages). The maximum overdraft limit is RUB 300 thousand. The rate is 14% - 17%. The largest amount allocated in accordance with the terms of the “Simple Possibility” overdraft is 10 thousand rubles for a period of one year.

Additional services

The bank offers its customers bank cards. The main area of service is payroll projects. The cardholder of Bank Russia can count on full service, which includes all information services.

ABR DIRECT service allows you to manage monetary transactions regardless of location. With ABR DIRECT, the client has access to all modern payment methods for services and goods. You can download the mobile application on the official website of the Bank of Russia.

One of the banks activities is the sale of investment coins of the Central Bank of the Russian Federation. Also, individuals can use bank safes, which allow them to minimize any risks associated with the storage of funds and valuables.

OJSC JSB Rossiya holds high rating positions, which are formed on the basis of competitive advantages. For example, Bank Russia provides debt financing to large corporate clients on favorable terms. Expansion of the geography of activities and significant volumes of shares invested in subsidiaries are also positive factors. In the medium term, according to analysts, the banks rating will remain unchanged.

KhMBO is a large retail bank with assets of over 530 billion rubles. The bank is currently one of the largest and most reliable retail financial institutions in the Russian Federation. The stability of development and reliability of the bank is confirmed by international agencies Moodys and Standard & Poors. The headquarters is located in Moscow. Central Bank license No. 1971 of 2011. The auditor is Ernst & Young.

The owner of the bank is the Otkritie corporation, whose assets exceed 3.91 trillion rubles. As part of the corporation, the bank specializes in providing financial services to individuals, as well as SMEs. In general, the bank offers traditional products in demand in the financial sector, as well as a number of investment projects.

KhMBO: one bank - two brands

Officially, Khanty-Mansiysk Bank Otkritie operates in the form of a public joint stock company. Nevertheless, in the territory of the Russian Federation, it is known under two brands. Thus, in the Khanty-Mansiysk Autonomous Okrug, the financial institution has the same name, and in other regions the Otkritie Bank brand is used.

Large-scale reorganization

2013 was a landmark event in the history of the bank, when Otkritie Corporation consolidated the securities of Nomos-Bank. The following year, Otkritie Bank and NMB entered the Khanty-Mansiysk Bank, which led to the emergence of a powerful retail bank PJSC KhMBO on the financial services market.

Customer deposits

Given the specifics of the work of a financial institution, it is necessary to note a number of deposits aimed at preserving and increasing funds. Online customers of "Khanty-Mansiysk Bank" can take advantage of various offers that allow them to receive maximum income from high rates or use a profitable accumulative program with the ability to withdraw money. Lets take a closer look at the main proposals of the bank.

"Universal". The deposit is designed for 36 months and provides for partial withdrawals. You can place funds in three main currencies. The interest rate on ruble deposits reaches 8.3% (in dollars and euros 1.6%, 0.1%). The minimum balance on the deposit is 30 thousand rubles. The maximum amount of funds that can be deposited on the account is 3 million rubles. At the same time, clients whose total deposit in the bank exceeds 700 thousand rubles, have the opportunity to receive "Khanty-Mansiysk Bank" Gold and Platinum cards. To receive a Platinum card, the total contributions must exceed 3 million rubles. In both cases, cards are issued and serviced free of charge.

"Maximum". The name of the deposit speaks for itself: rates reach 8.8%. For example, when placing funds for one month, the client receives the following interest:

the amount of more than 30 thousand rubles - 7%;
700 thousand rubles - 7.1%;
1 million - 7.2%;
more than 10 million - 7.3%.
When placing similar amounts for 36 months, "Khanty-Mansiysk Bank" online offers the following rates:

8.7%;
8.8%;
9.05%;
9.3%.
"Multicurrency". The deposit is opened for a period of one year without the possibility of withdrawing funds. The fixed rate in rubles is 8.45%. The minimum contribution is 100 thousand rubles. Also, the bank has set limits on the maximum deposit amount - 1000% of the first installment.

"Comfortable-online". Funds can be deposited remotely via web banking. The minimum deposit is 5 thousand rubles. Using the service "Khanty-Mansiysk Bank" online, users of the global network can replenish the account, as well as withdraw part of the funds. The average interest rate is 9%.

Services for holders of payroll cards

Individuals who receive wages on the card of PJSC "Khanty-Mansiysk Bank" are provided with many privileges, ranging from receiving credit cards with a minimum package of documents and ending with mortgage financing.

Credit cards of Otkritie Bank allow you to use funds without paying interest for two months. After the end of the grace period, the rate is 29%. Funds are issued in rubles. The maximum amount can be up to one million rubles.

Mortgage credit lending. Improving housing conditions is a pressing issue that affects every majority of Russians. The program of financing the purchase of housing in the primary and secondary market, which is offered by "Khanty-Mansiysk Bank", is distinguished by flexible conditions. The bank allocates funds for the purchase of housing, which is under construction. In this case, the rate is 11.95%.

Concessional loans. As part of the salary project, Otkritie Bank allows its clients to receive up to one and a half million rubles for a period of up to 5 years. The amount of financing and the rate depend on several factors, for example, the borrowers income, loan terms, company status, and others. Therefore, the banks specialists carry out an individual approach in each specific case. The minimum rate is 16%, and the maximum is 27%. As part of the program, Otkritie Bank issues loans without collateral or surety. The minimum age of the borrower is 23 years, and the work experience in the company is from 6 months.

Service for wealthy clients

For wealthy people, the bank offers a modern level of service through a specialized Private Banking department. The service applies to all family members. In addition to the fact that the user receives an extended range of services, he is also given special attention. So, the client is provided with a personal manager, who guarantees confidentiality, the promptness of providing relevant information and the execution of orders. Service within the project is carried out on demand.

The information and consulting division of Private Banking, which is part of the Khanty-Mansiysk Bank, offers a full range of financial services, including insurance, as well as investment solutions for any business.

to corporative clients

Bank "KhMBO Otkritie" serves government institutions, SMEs, large companies representing various sectors of the economy. For business representatives, the bank guarantees flexible terms of mutual cooperation, individual and complex solutions.

Products for corporate business

Factoring. Factoring is one of the activities of PJSC "KhMBO". Through the use of funds that come from the bank as an assignment under contracts, the business gets the opportunity to replenish working capital, as well as provide its counterparties with the most favorable conditions. Unlike traditional credit lines, factoring offered by Khanty-Mansiysk Bank does not require collateral. Moreover, bank financing can be regular, expanding business opportunities.

Trade acquiring. The bank offers businesses the best way to minimize employee errors, reduce the time spent on financial transactions, and increase the growth of turnover using stationary devices for making transactions. The service also provides web acquiring. The software serves the "Khanty-Mansiysk Bank" cards in real time. System connection is free of charge. Technical support for the functioning of the system works 24 hours a day.

Leasing operations. In this direction, Otkritie Bank works together with the Yugra-Leasing company. Returnable and financial leasing is available to corporate business. The advantage of leasing for companies is that there is no need to secure obligations, as well as a decrease in the cost of a one-time payment when buying working capital. Unlike loan financing, leasing is a flexible instrument. In addition, leasing allows businesses to lower their tax base.

Documentary operations. "KhMBO Otkritie" acts as a guarantor of ensuring obligations in the following areas:

municipal contracts for the supply of goods and services;
provision of different types of payment in favor of the federal customs and tax service.
Corporate cards. Khanty-Mansiysk Bank issues corporate cards designed for effective management of the companys funds. Information about expense transactions on cards is regularly delivered in electronic form to the enterprise, allowing the business to control and regulate financial costs.

Verification Center. For enterprises that need to create secure systems for the circulation of documents, B2C, B2B, banking in various types of e-commerce, "KhMBO Otkrytie" offers the services of a certification center.

Cash cards. Cash cards "Khanty-Mansiysk Bank" are targeted at SMEs that have insignificant revenue and do not need cash collection. The service allows you to deposit cash through depository modules. To carry out operations, an agreement with the bank is required.

Despite the fact that Otkritie Bank focuses primarily on private clients, it offers many relevant solutions for SMEs and the corporate segment. The Otkritie Corporation plays an important role in the banks reliability, providing intellectual, technological and financial support.

JSCB "Absolut Bank" has been operating in the credit and financial market since 1993. The bank is one of the 40 largest banks in the Russian Federation in terms of assets. Carries out activities on the basis of license №2306 of the Central Bank of the Russian Federation from 2002.

Key performance indicators

Universal commercial "Absolut Bank" demonstrates high indicators of financial stability, which are confirmed by the results of the rating assessment by Moodys and Fitch Ratings. The banks shares are owned by United Credit Systems OJSC. The world-renowned Ernst & Young provides auditing services. As of January 1, 2016, the size of the banks authorized capital was estimated at 2.98 billion rubles. The volume of assets (December 2014) amounted to 240.2 billion rubles. The bank demonstrates high indicators in its creditworthiness. According to rating agencies, Absolut Bank is one of the ten largest financial institutions working in the area of mortgage lending.

Service directions

As of 2015, the bank has 14 branches, as well as more than 30 offices that operate in 16 regions of Russia. The number of corporate clients exceeds 38 thousand. The banks activities are focused on providing services to SMEs, introducing new and profitable products in the retail market, among which special attention is paid to mortgage lending. The financial institution places particular emphasis on serving premium customers. A wide range of services is aimed at developing traditional banking services. For example, Absolut Banks card is presented in classic and premium segments, and credit programs are developed taking into account the requirements of various segments of the population.

Serving strategic enterprises

In addition to serving the corporate sector, Absolut Bank offers solutions for all economic sectors, from the cosmetic segment to the metallurgy and oil industry. By the decision of the Russian government, the Central Bank provided the Absolut Bank with the opportunity to service cash accounts of the defense industry and other state facilities that are of strategic importance and ensure the countrys security.

As part of lending to individuals, the bank offers mortgage programs, consumer finance and loan restructuring.

Lending to individuals: mortgage programs

To obtain a loan for the purchase of housing, regardless of the amount and timing of the provision of funds, Absolut Bank requires a standard package of documents. In addition to the main document of each citizen, a copy of the work book, a taxpayer code and a certificate confirming income, which can be in a free form or in a standard form established by the bank, are required. After collecting the package of documents, the borrower must visit the regional office. Consideration of the application takes a minimum of time. Currently, the best option is to apply through Absolut Bank online, which will save a lot of time. As a rule, e-mails are considered promptly and the client can expect to receive a response within 1-2 days.

As of 2016, Absolut Bank offers better rates than the largest Russian banks. The reason lies in the popularity of large financial institutions that are trusted by the population and do not seek to attract new customers with low interest rates. The bank offers a number of mortgage programs with favorable rates, which are focused on the primary and secondary real estate market. In turn, business is presented with favorable terms for lending purchases of commercial and industrial facilities. Lets consider some current programs.

"With state support." The mortgage provides a rate of 11.45%, but its final size is formed depending on the risk insurance. Therefore, the clients health insurance should be added to the rate on debt financing from JSCB "Absolut Bank" in the amount of 1% to 1.5%. 1% is provided if the borrowers age does not exceed 45 years. Also, mandatory conditions for mortgage lending are insurance of risks associated with the possibility of loss of real estate - 0.4%, as well as loss of ownership rights - 0.12%.
The loan term cannot exceed more than 30 years, and the amount of money is 8 million rubles (Moscow, St. Petersburg). For regions, there is a maximum limit of 3 million rubles. The initial payment must be more than 20% of the value of the property. The credit line of Absolut Bank within the framework of this program is focused exclusively on the primary housing market.

"Finished Housing" - the secondary market. Rate - from 13.2%, subject to depositing funds in the amount of 50% of the value of the property. In other cases - 13.45%. The maximum amount is 15 million (Moscow, St. Petersburg), regions - 9 million rubles.
"New buildings". The rate is from 13.95%. The maximum amount is 9 million, regions - 5 million rubles.
"Apartments" - secondary market. Rate - from 13.45% subject to depositing funds in the amount of 15% of the property value. With a 50% deposit - 13.20%. The maximum amount is 15 million, regions - 9 million rubles.
Under the Commercial Mortgage program, clients can use a loan for 10 years. The rate ranges from 17.45% to 19.9%. The maximum amount is 15 million rubles.

To calculate the size of the mortgage on the official website of JSCB "Absolut Bank" online calculator is presented, which within a few minutes will present the client with a complete payment schedule, taking into account all the nuances.

In almost all cases, a real estate object acts as collateral. However, this condition is optional. The client can offer a financial institution other types of real estate that have an appropriate value or provide a certificate confirming the existence of maternity (family capital). JSCB "Absolut Bank" offers special conditions within the framework of this program with a rate that ranges from 12% -13%.

Cash lending

Absolut Bank clients in the direction of debt financing can take advantage of two key offers:

loan without collateral;
provision of funds secured by real estate.
In the first case, namely, when lending without collateral, to clients who do not fall under preferential terms, the amount of allocated funds can range from 50 thousand rubles to 1 million. The interest rate depends on the borrowers insurance and the term for providing funds. So, with client insurance and for a period of debt financing up to 3 years, the rate is 22.5%. When lending to a borrower without insurance, the rate exceeds 25%.

For clients who have a salary card of Absolut Bank, the rate will be from 16.5%. So, the employees of Russian Railways are allocated funds at 16.5% -19% in the amount of up to 700 thousand rubles.

For employees who are on cash register offices and other clients who fall under the loyalty program, the rate is presented in the range of 20% -23.5%.

The category of "loyal customers" includes persons who have deposits in the bank, positive experience of cooperation with a financial institution. This category includes persons who have used lending services with timely debt repayment. It also includes employees of companies that use the Absolut Bank card to generate income within the framework of salary and other projects. In cases where the loan amount exceeds 600 (in some cases 700) thousand rubles, a surety is a prerequisite.

On the security of real estate, clients can receive inappropriate funds in the amount of up to 15 million rubles. Credit conditions and registration of the package of documents are standard. The minimum amount allocated under the program is 500 thousand rubles. The amount of funds cannot exceed 70% of the total value of the property. On the official website of the bank, you can calculate the full cost on a calculator by filling in all the required fields. Also, clients can get advice through the Absolut Bank system online, presented in the form of an express application. According to the terms of the loan, the rate is 15.5%. At the same time, as well as when registering a mortgage, a package of insurance services is provided, which is confirmed every year. The loan is issued up to 15 years. The maximum amount for the regions cannot exceed 9 million rubles.

Loan restructuring

All types of debt financing, which are positioned by Absolut Bank, provide for restructuring. The reason for the restructuring may be the deterioration of the financial position of the borrower, caused by economic and social reasons, as well as personal circumstances.

As part of the restructuring, a rate cut for a certain period, an increase in the term of the borrowers loan obligations and the provision of a grace period are provided. All details on the issue of restructuring credit obligations can be asked to specialists through Absolut Bank online, by telephone or directly at the regional branch of the bank.

JSCB "Absolut Bank" allows to implement successful projects for individuals, legal companies, other financial institutions, acting as a reliable financial platform. At the same time, for individuals who live in remote regions, the problem is the insufficiently developed regional network of branches and offices of the bank.

Bank Zenith, founded in 1994, is one of the largest Russian banks. The financial institution operates in the form of a public joint stock company and is the main one in the Zenit banking group. The creation of the bank was initiated by the Academy of National Economy together with the oil concern "Tatneft". The main office is located in Moscow. Banking license No. 3255.

Audit service

Bank Zenith is audited by two companies. At the international level, reporting is carried out by the representative office of the international network of companies Deloitte Touche Tohmatsu Limited. The consulting company has more than 3.5 employees working in dozens of countries around the world. The banks financial statements are serviced by a large Russian company Energy Consulting, which also provides services to a number of European financial companies.

Activities

Since its inception, Bank Zenith Online has specialized in providing comprehensive services to the corporate segment. The long-term development strategy envisages expanding the range of retail products. Currently, the financial institution offers all classic products aimed at meeting the needs of the population: mortgage programs, various types of consumer lending, placement of deposits. A wide range of products includes various cards of Bank Zenith, loan programs for the purchase of vehicles, leasing and much more.

Achievements

In 2012, the financial institution was awarded one of the most prestigious international awards, Global Private. The bank was recognized as the best Russian bank in the Private Banking segment.

For 20 years of work in the banking services market, the Bank has been actively involved in attracting international investment. The financial institution carried out 20 bond issues, of which 2 were Eurobonds. Currently, investors have access to 10 issues of the banks bonds, which are on the MICEX quotation list, which is a confirmation of the Banks successful performance and reliability. According to the information provided by the official website of Bank Zenith, financial activities are accompanied by active sponsorship of sports events. The bank also acts as a charitable foundation for helping child care institutions.

Financial group activities

The history of the financial group dates back to 2005, when the Bank acquired the Devon-Credit division. Today the Banks division is one of the leaders in all types of banking services in Tatarstan. Two years later, 3 banks joined the banking group - Lipetskkombank, Spiritbank and Sochigazprombank. The latter currently provides services under the brand name Bank Zenith Sochi. In 2013, the financial group reported an increase in equity capital for the year by 3.4 billion to the level of 28.6 billion. The groups assets were estimated at 299 billion rubles. Currently Zenit Group offers investment services, services interbank business, and also provides clients with classic products in 27 regions of the Russian Federation. The number of branches and points of sale of the group exceeds 170 points throughout the Russian Federation.

Authorized capital

The aggregate of all funds of the founders is estimated at 11.545 billion rubles and a similar number of shares (the cost of one share is 1 ruble). All the banks securities are presented in non-documentary form.

Banking products for individuals

One of the most popular services among the population is deposits. The bank fully satisfies the demand of individuals, offering a wide range of opportunities for placing funds. The first are the online deposits of Bank Zenith with the possibility of remote placement.

"Urgent". A convenient, profitable deposit with flexible terms allows you to place funds for a period of one month to two years with a minimum deposit of 1000 rubles. Interest is paid only after the expiration of the contract. Replenishment of the deposit amount is not provided. The rate is presented in the range of 6% -10-%. A characteristic feature of placing funds is the mandatory use of the Zenith online banking system: money is not accepted in branches.

"Accumulative". The deposit differs from the "Urgent" rate (6.75% -7.5%), the size of the minimum deposit is 15 thousand rubles, as well as the possibility of replenishing the account and partial withdrawal of the amount.

"Savings". The rate ranges from 6% to 10.5%. The term of the deposit is 3 years. Additional operations are not provided.

As a special offer, the banks clients can take advantage of a deposit in RMB. When placing an amount of 325 thousand yuan (minimum deposit), the rate is 1.5%. If the amount exceeds 3.5 million, the rate rises to 2.5%. Accrued interest is paid out together with the deposit at the end of the term. As part of the program, depositors can receive Bank Zenith cards with free service.

"Army". A special contribution for military personnel provides for a rate of 6% -8%, subject to the placement of funds from 10 thousand rubles. The maximum limit is 3 million rubles. Part of the amount can be withdrawn.

"Pension Plus". A savings deposit for pensioners with a rate of 5% to 7.5% and a minimum contribution of 10 thousand rubles allows you to increase your savings. At the same time, there is the possibility of withdrawing funds, as well as replenishing the account. Clients are issued free of charge cards of Bank Zenith "MasterCard" Worldwide and Visa Int.

Mortgage lending programs

Taking into account the needs of the population in buying a home, Bank Zenith offers a number of programs aimed at meeting the demand of clients with different incomes.

For military personnel, four programs are presented, providing for the purchase of housing in the primary and secondary markets, as well as in the residential complex "Sampo". For example, for the purchase of an apartment in the "SAMPO" residential complex, funds are allocated in the amount of 300 thousand rubles to 3 million. The rate is 9%. In this case, the client must pay an amount of at least 20% of the value of the property. For more information, visit the Bank Zenith website.

Primary market. Under the military mortgage, the rate on the purchase of housing in a new home is 11.25%. Cash limits: 300 thousand - 2.3 million rubles. The first installment is 20%.

Secondary market. The rate for the purchase of housing in the secondary market is 12.5%. Cash limits: 300 thousand - 1.7 million rubles. The first installment is 20%.

Mortgage loans for civilians

Primary market. The list of the banks services includes several proposals for the purchase of apartments in new buildings. The average rate is 19% -23%. So, to buy an apartment in the residential complex "Korneevsky Fort" the client needs to make a 20% down payment. Loan limits range from RUB 500,000 to RUB 14 million. A surety and a pledge are prerequisites for securing debt financing.

Secondary market. The loan rates that Bank Zenith offers for the purchase of real estate in the secondary market correspond to financing under the programs in the primary market. The minimum amount in the regions is 270 thousand rubles (in Moscow - from 500 thousand).

Clients are also given the opportunity to purchase rooms. Financing of individuals for up to 10 years provides for a rate of 15.0% -15.5%. When the loan term is increased to 25 years, the rate increases to 16%. In the regions, the maximum size of a mortgage loan is 270 thousand rubles (Moscow 800 thousand). The maximum limit is 10 million (regions) and 14 million rubles. Detailed information will be provided by specialists of Bank Zenith online or by telephone.

Bank property. One of the most advantageous offers that are presented on the website of Bank Zenith is the purchase of housing for a financial institution. That is, those real estate objects that are on the balance sheet of a financial institution. Thanks to this, the bank sets the minimum loan rate - 10.5%. The size of the first installment has also been reduced - up to 10% of the total value of the property. The amount of allocated funds reaches 30 million rubles. Guarantee of individuals and individuals, as well as a pledge are mandatory conditions that Bank Zenith sets in order to secure debt financing.

Credit cards

Bank Zenit cards, presented in a wide range, will help to pay for services or make a purchase at the most crucial moment when there is no cash. All bank cards have a grace period of 50 days, which allows you to rationally use funds, and if they are deposited on time, avoid paying interest. For example, a Finnair Platinum card provides a loan of up to one million rubles. The rate after the expiration of the grace period is 17%. As bonuses, the client is awarded points that can be used to purchase goods and pay for services. The "World of Travel" "Visa" card allows customers to receive discounts of up to 50% in various stores that are partners of Bank Zenith. The card belongs to the premium segment. The service is 1 thousand rubles.

The range of banking services positioned by Bank Zenith is huge. Modern solutions are able to satisfy the demand of various groups of clients, and the high rating of the bank presented by various agencies indicates its stable course of development and reliability.

PJSC AKB Svyaz-Bank is a commercial lending financial institution with a developed network that covers 53 regions of Russia. The headquarters is located in Moscow. The bank was founded in 1991. The owner of the bank is the VEB State Corporation, which owns 99.65% of the securities of Svyaz-Bank.

Basic information

As of January 2015, the authorized capital of the bank was 29 billion rubles, the size of its own assets was 385 billion. Svyaz-Bank ended 2014 with a net profit of 1.65 billion rubles. The staff is 3.6 thousand people.

The Bank operates under general license No. 1470 issued by the Central Bank of the Russian Federation in 2012. The audit of the financial documents of Svyaz-Bank is carried out by the British consulting company Ernst & Young, which currently operates under the EY brand.

The main directions of the banks work are focused on providing services to private clients and business companies, servicing all types of debt financing. The financial institution works with almost all segments of the economy, among which the priority belongs to the energy sector and the communications industry represented by the Federal State Unitary Enterprise Russian Post. The services of Svyaz-Bank in the international banking market are in demand, ranging from external borrowing to structured lending.

One of the priority tasks provided by the long-term development strategy is debt financing of the real sector of the economy, as well as SMEs.

Cooperation with other banks and achievements

Along with the implementation of financial and other types of operations in the corporate market, Svyaz-Bank introduces large-scale products in the segment of retail operations. The availability of banking services for the population is constantly increasing, which attracts new investments, deposits, and also contributes to the development of various types of lending. The bank works in tandem with the largest financial institutions in Europe, takes a fruitful part in trading on the stock and foreign exchange markets. The list of Svyaz-Bank correspondents includes Russian banks:

"Russian Agricultural Bank"
VTB;
"Sberbank".
Foreign financial groups:

VTB (Deutschland);
BNY Mellon;
Sumitomo Mitsui.
In 2014, the services of Svyaz-Bank were noted in the rating of the Standard & Poors analytical group. The bank entered the TOP-13 of the most significant financial institutions of the Russian Federation according to the S&P rating. In the same year, a loan program called "Your Mortgage" became the best offer among the capitals banks offering financing for purchases of real estate in the secondary market.

In the rating of the Central Bank, Svyaz-Bank is one of the thirty largest banks in the Russian Federation. According to the Center for Economic Analysis, assets of 385 billion rubles allow Svyaz-Bank to take the 26th position in the rating of the largest banks in the Russian Federation.

Offers for private clients from Svyaz-Bank: PS BLIZKO

Individuals are offered Svyaz-Bank cards, payroll projects, lending services, money transfers and deposits. The bank provides corporate clients with a full package of brokerage, trust and custody services. Svyaz-Bank also offers to use the BLIZKO payment service, since it is the bank itself that is its operator.

The number of service points of PS BLIZKO on the territory of the CIS countries exceeds 50,000. The features of the service are the minimum tariffs for money transfers, which leave from 0.16%, as well as instant transactions. Sending and receiving money through the BLIZKO Svyaz-Bank online system is carried out through specialized collection points.

Banking through the global network: the Megapey system

One of the most relevant services, without which in the third millennium it is difficult for a borrower, depositor and even a salary recipient, is Internet banking. To address this issue, the bank has developed its own service called Megapey. Access to the system is possible only after visiting a bank branch.

With the help of the service, customers are able to perform transactions, set up debit, credit and virtual cards according to their needs, manage limits, and place deposits. In general, with the help of this service from Svyaz-Bank, the client gets full control over his accounts 24 hours a day.

In addition, the following options are available to the user:

payment for various services of providers;
payment of loans;
exchange operations when buying electronic money;
payment of fines;
conversion financial transactions and much more.
The Megapey service is absolutely safe, since all information is transmitted through secure channels, and one-time codes are used to enter the system and perform any payment actions through Svyaz-Bank online. Also, the client can use a digital signature.

Public deposits

The preservation and augmentation of funds is the primary task of many citizens, which can be solved by standard deposits of Svyaz-Bank. The financial institution offers several key deposits, as well as an investment project involving the opening of an impersonal metal account.

Standard deposits:

"Maximum income". Rates depending on the terms and amount of the deposit in Russian rubles are presented in the range of 6.5% -9.9%. It is impossible to withdraw part of the funds or replenish the account after the conclusion of the agreement for the placement of the deposit. The minimum contribution is 10 thousand rubles. You can open a deposit through Svyaz-Bank online without visiting a branch. To do this, you need to use the Megapey service.
"Managed income". Alternatively, customers can use a managed deposit, which provides for replenishment of the cash account, as well as partial withdrawal of the deposit. At the same time, the rate may vary depending on the size of the minimum balance. On average, the rate ranges from 7.65% to 8.3%.
"Multicurrency Income" and "Replenishment Income". In the first case, the client gets the opportunity to receive additional income from investments in various currencies, for example, CNY, GBP and others.

Deposit programs for wealthy people

The services of Svyaz-Bank include special deposits aimed at people with income. The bank offers to place funds in one of three deposits: "Collection Classic", "Lux", "Elite". In all the listed deposits, the minimum contribution is 3 million rubles. Also, privileged clients can count on higher rates - up to 10.65%.

OMS accounts

Depersonalized metal accounts are represented by 3 metals. Svyaz-Bank customers can open an account in gold, platinum or silver, as well as make non-cash transactions. OMS is an analogue of a money account and depends on the real value of metals that are formed on the commodity exchange.

Bank cards Svyaz-Bank

The most popular means of payment for goods and services in the world, along with cash, is a bank card. Clients can get Sviaz-Bank cards from the worlds leading payment systems: MasterCard and Visa, as well as the Japan Credit Bureau (JCB) and the Russian PS Mir.

Mir is a Russian PS, which, like international systems, allows all financial transactions to be carried out. Visa and MasterCard cards allow you to use all the possibilities of payment for services and goods on a global scale. Holders of banking products are given the opportunity to take part in the loyalty program, which allows them to accumulate points and then spend them on purchases.

For travelers to Asia, America and the EU, Sviaz-Bank cards from the largest payment service JCB will be the ideal solution. Holders can use cards of this payment system not only abroad, but also on the territory of the Russian Federation. For purchases of goods in other countries, as well as purchases through the global network, made in foreign stores, a refund of 1% is provided.

Mortgage lending from Svyaz-Bank

At present, Svyaz-Banks services include a wide range of credit programs aimed at purchasing various types of real estate, including townhouses and land plots. Debt financing is possible without providing documents confirming the existence of income. Also, as part of the service, a special program for military personnel deserves attention.

Mortgage on special terms

Customers who plan to purchase housing under construction or completed projects can take advantage of special conditions. As part of the Svyaz-Bank service, a selection of residential complexes located in the Moscow region is presented, for which the base rate is 12%. The mortgage provides for state support. Moreover, for the first 2 years, the borrower pays its obligations at a reduced rate - from 8% to 9%.

Basic rates for the purchase of housing in a new building within the program of the same name range from 13.5% to 14.75%. The minimum amount of funds is 400 thousand rubles. Military mortgages allow clients to take advantage of the low rate of 11.25%. Making an initial payment is not a prerequisite for the allocation of credit funds. The maximum loan amount is 2.1 million rubles.

As of 2016, PJSC JSCB Svyaz-Bank is a financial institution that demonstrates positive development dynamics. The list of the banks services is expanding with new mortgage programs, to which state subsidies are connected. Retail service networks, service opportunities for the corporate sector, as well as SMEs and financial structures are expanding.

National Bank Trust is a large commercial bank that operates in the form of a public joint stock company and is one of the leaders among Russian financial institutions in doing business. According to key performance criteria, Trust is one of the thirty largest institutions. The main area of work is focused on the retail segment, namely credit programs, deposits, as well as increasing the range of bank cards.

The number of payment acceptance points and bank branches exceeds 260 in more than 150 Russian cities. Today the Trust Bank card is used by more than 2 million Russians. At the same time, there are several thousand corporate clients. The banks auditor is Deloitte. The license to carry out activities was issued by the Central Bank of the Russian Federation under number 3279.

Bank Trust: reorganization

The establishment of the institute was initiated by the capital bank "Mensatep" in early 1995. In the list of retail-oriented banks, Trust has one of the largest assets. According to data for the first half of 2015, the assets of the financial institution amounted to 159.3 billion rubles, and the profit exceeded 3.4 billion rubles.

At the beginning of 2015, the Central Bank makes a decision to provide the Trust Bank with financial support. Otkritie financial corporation was chosen as the investor. In the same year, the National Bank "Trust" became part of the largest holding "Otkrytie". Thus, one of the largest players in the retail banking segment has appeared on the market. The group serves about 200 thousand corporate clients, as well as over 4.5 million individuals. As part of the Trust Group, the bank is a universal retail financial institution.

Retail projects

The key vector of the banks activity is the development of retail - the provision of retail services to the population. Taking into account the specifics of the chosen vector, the bank is constantly expanding the list of credit, deposit and other types of products. The focus is on lending and deposits. The Trust Bank card is actively distributed, including through salary projects. The bank allows customers to carry out conversion transactions, purchase and sale of securities. To improve the service "Trust" maintains partnerships with the largest financial institutions. In addition, he takes part in the activities of exchanges in the currency and stock market. The financial institution runs bright advertising campaigns. The banks services are advertised by Bruce Willis.

Performance indicators

The information provided by authoritative editions and rating agencies confirms that the National Bank "Trust" demonstrates high development indicators. RusRating has assigned the bank a “A-” level, which confirms its stability. The creditworthiness of a financial institution is represented by the “A” indicator (data from expert centers). Summarizing the information presented in various reputable publications, which is based on the volume of the loan portfolio, assets, the number of terminals, the level of customer service and the number of banking products, "Trust" regularly ranks among the thirty largest banks. According to the Central Bank, the National Bank "Trust" is among the twenty largest banks in terms of deposits in the retail segment, loans, as well as the volume of net profit.

Lending

A significant part of the banks income comes from debt financing. That is why for Bank Trust, credit is a priority area of activity.

To obtain a loan, you can contact the nearest branch or use a special form on the banks website. Funding limits are determined by the clients income. In addition, the financial institution provides a number of requirements, among which it should be noted:

borrower age - from 23 years;
employment in one company - from 120 days;
check in.
The list of loan proposals includes programs developed with flexible and specified conditions, as well as debt financing for businesses and bank depositors. Customers who have a Trust Bank salary card, as well as deposits, can count on preferential conditions.

 Mortgage credit lending

In order to become the owner of an apartment or house today and not worry about the constant growth of inflation, the bank finances mortgage loans. Within the framework of the program, as of 2016, two main loans are presented:

"Flat";
"New building".

Conditions for the program "Apartment"

The financing period is up to 30 years. The maximum amount that residents of Moscow and St. Petersburg (as well as the region) can count on is 30 million rubles. The rate is 14.25%. The minimum contribution is 30% of the property value. Through the Trust Bank system online you can get detailed advice on the loan.

Features of mortgage lending at Trust Bank

A feature of the formation of rates for obtaining a loan within the framework of the "Apartment" project, which is focused on the secondary housing market, is a system of allowances and discounts. So, a prerequisite for the borrower is an insurance package, if not, the rate increases by 4%. In addition, if the borrower is an individual entrepreneur, the rate is automatically increased by 1%.

At the same time, for depositing funds in the form of a lump sum, the interest rate is reduced by 1%. Also, a borrower who has a Trust Bank bank card issued as part of a salary project can count on a discount of 0.25%.

Conditions for the "New building" program

Loan rate in accordance with the terms of the program - 14.5%. Terms and lending are similar to buying real estate in the secondary market. The amount of the down payment has been reduced to 20% of the value of the property. Loans for the purchase of apartments are issued only in national currency.

Credit cards

One of the main challenges facing the modern banking market is versatility. This criterion primarily applies to bank cards, since each client should receive the most favorable and comfortable service conditions. The National Bank "Trust" copes with this task, providing its clients with a huge selection of cards, which can be used not only to pay for services or purchases, but also to use a credit line.

It takes no more than a quarter of an hour to issue a credit card. After the limit on the Trust Bank loan is set, the client can immediately use the card to receive cash. It takes up to two weeks to issue a personalized card. The advantage of a credit card is a grace period, which allows you to use funds for 55 days without paying a commission. It is also worth emphasizing the possibility of earning income on the balance of your own funds that exceed the bank limit. The rate can be as high as 7% -8%. Issuance and maintenance of the card is free of charge. As part of the provision of credit cards, there are promotions and permanent discounts that allow customers to save up to 10% when purchasing goods and services at the banks partner retail outlets. To manage funds and control financial transactions at any time of the day, the Trust Bank online service is automatically provided, as well as an SMS notification service.

Contributions

To open a deposit, a client does not need to contact a bank branch, since the Trust Bank online function allows you to transfer your funds for safekeeping and accumulation within a few minutes. A deposit agreement, which provides for the opening of a deposit in real time, through Internet banking has the same legal force as a hard copy.

Conditions for deposit programs

Holders of the deposit "VIP-client 2016" can count on the maximum rates, which reach 11.25%. The program is aimed at wealthy people, since the minimum contribution is 5 million rubles or a similar amount in the equivalent of a dollar (euro). The classic line of deposits offers a rate of 8% -10%. Investment terms vary from one month to several years. Almost all deposits can be opened through the Trust Bank online in a remote mode. Some of the deposits available to clients as of 2016:

"Generous interest." The rate, depending on the timing, is presented in the range of 9.5% -10.65%. Withdrawals or deposits are not allowed. You can invest money for a period from 3 months to one and a half years.
"Maximum pluses." Convenient deposit with favorable conditions and special interest, if necessary, early withdrawal of part of the amount, allows you to place money for a short period - from 3 to 6 months. The minimum contribution amount, as well as the minimum balance on the clients accounts, is 30 thousand rubles. Fixed rate - 8.75%. Any Trust Bank card can be used to receive interest (interest can be paid every month).
VIP All Inclusive. When placing an amount of 10 million rubles or more for a period of more than 240 days, the rate on the deposit is 10.25% (in dollars 1.85%). When placing an amount of 5 million rubles or more - 9.25%. Partial spending of funds is provided.
The banks policy towards its depositors is quite loyal, and this is manifested both in terms and in the amount of the initial payment. VIP deposits are not available to all clients, and for this reason the National Bank "Trust" has developed a flexible and unique depository system, targeted at all categories of the population. The minimum amount for many deposits is 3 thousand rubles, and the terms are one month. Thanks to this approach, clients can calculate their income and accurately determine financial receipts. You can choose the optimal deposit directly on the banks website. A special calculator is provided for this.

Today the National Bank "Trust" is a powerful institution that focuses on client requirements. The bank has created the most comfortable conditions for the population to receive objective information about the current proposals. In each case, an individual approach is guaranteed, allowing you to choose the optimal solution for a specific situation. The Bank sets itself the goal of earning the clients trust and providing him with an optimal product. And, it should be noted, the financial institution succeeds.

Bank Saint Petersburg is the largest Russian commercial bank operating at the regional level. The financial institution operates in the form of a public joint stock company. As of 2015, the bank has 48 offices in different regions of the Russian Federation. The branch network is constantly expanding. The headquarters is located in St. Petersburg.

PJSC Bank Saint Petersburg operates on the basis of a license issued by the Central Bank on September 19, 1997 No. 436. The main regions of service: Leningrad, Moscow, Kaliningrad and Nizhny Novgorod regions. Founded 1990.

Bank foundation: main stages of formation

Since the founding of Bank Saint Petersburg, which was initiated by the State Unitary Enterprise Petersburg Metro, the Bolshevichka factory and other state organizations, its active activity began. Since 1995, when the bank launched its own processing center, it ranks first among the regions financial institutions. It is Bank Saint Petersburg that is one of the first to issue plastic cards. Over the next 5 years, the list of services is expanding.

In 2007, the bank held an IPO. Today, the securities of a financial institution are listed on many Russian stock exchanges. The bank refused to work on foreign exchanges.

Financial institution activities

The results presented in the materials of the annual financial statements confirm the fact of the banks stable position in all segments of services. The list of services that St. Petersburg provides online clients is huge. At the same time, it is necessary to highlight several key areas that are the specialization of a financial institution. We are talking about lending to all forms of business and private clients, foreign exchange transactions and work in the securities market, cash settlement services, lending in the interbank market, and other types of corporate and private services. The bank has its own processing center, which allows full service of all types of cards.

Achievements

The number of corporate clients that use the services of Bank Saint Petersburg exceeds 56,000. The rate of servicing private clients is quite high for a regional bank: as of 2015, the number of individuals, the banks clients, exceeded 1.5 million. ... The huge audience of users of the services of a financial institution requires an expansion of the range of services, and in this respect the bank demonstrates high achievements. The terminal network has more than 1,500 self-service kiosks, and the ATM - about 500. By expanding the network of self-service services and introducing Internet services "St. Petersburg" online, the bank attracts new businesses within the framework of salary projects. In 2013, Bank Saint Petersburg completely updated the Internet banking system. The new version offers an updated interface, as well as a number of new options that allow you to perform almost any financial transactions online.

The success of the banks activity lies in a competent strategy, which is constantly being improved taking into account modern realities, as well as a civilized business conduct.

Awards and achievements

The banks activity in the services market does not go unnoticed by agencies and other publications. There are several achievements of the bank marked with prizes, namely:

2016 year. The Bank was awarded with an award for high-tech achievements in the service sector;
Customer eXperience award for the implementation of innovative services in the Internet banking system;
2015 year. TOP 5 for customer service. In the same year, the services of Bank Saint Petersburg were awarded with an award for achievements in the implementation of mobile services;
year 2014. Saint Petersburg was awarded as the best bank in the Russian Federation (international competition);
year 2013. The bank was awarded the first place for the development of mortgage lending.
The list of services provided by a financial institution is represented by various types of lending to individuals and businesses.

Lending to the corporate segment and SMEs

Referring to the banks annual reports, one can note the growth of financial indicators for all types of activities, which is a direct evidence of economic stability. In 2015, the services of Bank Saint Petersburg in the field of lending to the corporate sector increased by 11%. The loan portfolio amounted to 274 million rubles. The main directions of lending are objects of trade, construction, processing industry. Lending to SMEs deserves special attention, the volume of financing of which in the total loan portfolio of the bank is more than 23%. During 2015, business representatives received loans in the amount exceeding RUB 78 billion.

As part of business financing, Bank Saint Petersburg offers a number of specialized programs aimed at overdraft lending, purchase of bills of exchange, business development, investment goals and many others.

Mortgage lending from Bank Saint Petersburg

New housing is provided through various programs, one of which is government subsidized client financing. The fixed interest rate is valid for the entire loan period and within all programs, namely: "New building", "Apartment", "Apartment with a passport" and others.

Lending is relevant for the purchase of real estate in the primary housing market. The loan term is up to 25 years. Funds are allocated in Russian rubles. The maximum amount for the purchase of real estate in Moscow and St. Petersburg (regions) is 8 million rubles. In the regions, the amount does not exceed 3 million rubles. The initial payment is 35% of the property value.

Loans from Bank Saint Petersburg in the secondary real estate market

Lending offered by Bank Saint Petersburg allows you to purchase housing on the secondary market. For example, within the framework of the Apartment program, funds are provided in the amount of 500 thousand rubles to 8 million. Loan term up to 300 months. The rate ranges from 13.75% to 14.20%. Clients can count on a reduced rate by paying 50% (or more) of the initial payment. The minimum contribution is 20%. In addition, the bank is offering a 0.25% rate cut to customers who have used the services of Bank Saint Petersburg and repaid the previous loan. Also, a 0.25% rate reduction is guaranteed to individuals who are served as salary clients.

In all mortgage programs, it is possible to purchase housing with one passport. The procedure for obtaining a targeted loan is simplified to a minimum and does not require the collection of a huge package of documents. A prerequisite for obtaining a loan is 35% of the total value of the property. Loan rate: 14.5%. A prerequisite, which is stipulated by the contract, is health and life insurance. If it is not observed, the rate is automatically increased by 0.5%. The bank also requires property rights insurance. If the client refuses, the rate increases by 2%.

Home program. For the purchase of a private house, the conditions for the provision of funds remain standard. The loan amount can reach 12 million rubles. The rate varies from 15.5% to 16% per annum. When buying land plots, the rate is 16.5% -17%.

Private deposits

The financial institution offers various types of deposit programs that are designed for clients with different incomes. One of the most important deposits is the use of the online capabilities of Bank Saint Petersburg, namely, remote deposit. The average rate on deposits is 9%. Minimum amount: 5 thousand rubles. Terms range from one month to several years. A feature of remote deposits in most cases is the inability to withdraw funds before the end of the deposit term. Currently, the bank offers more than 10 types of deposits with different interest rates, terms and possibilities. The main ones are the following:

"Strategist". Interest rate 9.1%. The minimum amount is 10 thousand rubles. The possibility of depositing funds during the duration of the deposit is present. Withdrawal is possible only after the expiration date. Interest is paid at the end of the term.

"Prestige". Interest rate 8.5%. The minimum amount is 50 thousand rubles. Interest is paid quarterly. There is an opportunity to open a deposit "St. Petersburg" online. In this case, partial withdrawal of funds (up to 50) of the amount is provided, but not earlier than 30 days after the account is replenished.

"Rentier". The interest rate is 8.7%. The minimum amount is 50 thousand rubles. Interest is paid monthly. Opens remotely. Withdrawal is possible only after the expiration date. Investment of funds is not provided.

Strategist plus. Interest rate 9.3%. The minimum amount is 10 thousand rubles. Withdrawal is possible only after the expiration date. Investment of funds is not provided.

Inappropriate lending to individuals

Using the service "St. Petersburg" online, each client can apply for a loan. At the same time, the most advantageous offers await customers who receive their salaries on the cards of Bank Saint Petersburg. Upon receipt of a monthly amount of at least 15 thousand rubles on a salary card, clients can expect to receive funds from 50,000 to 3 million rubles. The interest rate is 15.9%. The loan term is up to 60 months.

Favorable conditions are offered by the use of a “Partner” loan, aimed at employees of organizations that are partners of Bank Saint Petersburg and operate in Kaliningrad. The interest rate is 16% per annum. The maximum loan amount is 750 thousand rubles.

As an alternative to consumer finance for clients, Bank Saint Petersburg offers credit cards with a grace period of up to 51 days. After the end of the grace period, the interest for the use of funds varies from 24.9% to 33%, depending on the type of card and the size of the credit limit.

The listed services of the bank are only a small part of the offers that are available to the private and corporate segment. Bank Saint Petersburg operates in all financial services markets and has demonstrated stable and sustained growth rates over the years.

Citibank Joint Stock Company is a division of the international corporation Citigroup Inc. and is one of the largest Russian financial institutions in terms of assets and capital. According to Interfax, Citibank is among the top 7 banks in the Russian Federation in terms of profit.

Owner of JSC CB Citibank: Citigroup Inc. conglomerate

The owner of the Russian commercial division "Bank City" is the worlds largest financial conglomerate Citigroup Inc., founded in 1812 as City Bank of New York (New York).

The financial corporation provides service for 200 million accounts worldwide. Subsidiaries of the group operate in 160 countries, providing individuals, businesses and government organizations with banking products of the highest level. The services of the international conglomerate include traditional credit and deposit programs, investment banking, full banking services, complex operations with securities. The corporations list of services includes a Wealth Management program focused on wealth management. According to the authoritative British magazine Euromoney, Citi is the best bank in the world (2015).

Bank information

At present, AO Citibank serves about 980,000 customers and over 3,000 large companies. There are 50 branches of the bank in the Russian Federation, which are represented in the largest cities. The number of employees is 4 thousand people.

The size of assets, as well as equity in the first quarter of 2015, amounted to 386.9 and 57 billion rubles, respectively. The financial institution operates on the basis of the license of the Central Bank of the Russian Federation No. 2257, which was issued in 2001 and updated on June 28, 2015.

The corporate sector is one of the activities of the Russian bank. Russian and international companies receive a high level of service on a global scale. In addition to traditional banking products, companies are provided with advice on issues related to international activities in the financial, stock and other markets.

Particular attention is paid to the retail banking business, which receives services based on the development of modern technologies and the provision of innovative services to customers. High-quality service is provided in high-tech offices, as well as through the services of City Online Banking, CitiPhone® and others.

Innovative products from Citibank in 2015

In the list of innovations that became available to customers in 2015, it should be noted the ability to send an application for a credit card from an iPad. The application can be sent in digital form. Also in 2015, a new Citi Simplicity credit card was introduced to customers with a standard rate for all types of financial transactions. Citi Simplicity accounts for 40% of all credit cards issued by customers, according to the official website of City Online Banking. Another innovation in 2015 was the PremierMiles World MasterCard, targeted at travel enthusiasts. Within the framework of the loan project, clients receive a kind of bonuses in the form of miles, which can be stored in the account, as well as used for travel or purchase of certain goods at discounts in partner stores of the bank.

Bank reliability: assessment of rating agencies and other publications

The banks business reputation is of key importance for depositors, partners and all clients who use the banks resource to generate income. The banks performance is assessed on the basis of the rating, which is made by the largest agencies. AO Citibank has been on the list of the best Russian banks since 2013, and there is a number of confirmations of this fact:

Retail Finance named Bank City as the best financial institution providing high-quality customer service;
according to the English-language publication Global Finance, Citi Bank demonstrates the best performance in investment projects, cash settlement services, corporate sector, and online customer service;
according to Euromoney, Citi-Bank is nominated for the title of the best financial institution in the field of cash settlement services in Europe.
In March 2015, the Forbes economic magazine published a rating of the most reliable banks in the Russian Federation, and the first line in it was taken by Citibank. The bank also held leading positions in the past years. The indicators that determine the reliability of a financial institution are assets, capital, financial risks and a number of other economic criteria.

In the rating presented by the Central Bank of the Russian Federation, Citi-Bank was included in the list of the 50 best banks. In its rating, the regulator used all economic and social performance indicators.

Citi Priority Program

Among all banking services offered by Citibank, the Citi Priority project deserves special attention, designed specifically for demanding and modern customers. In addition to the convenience of services and the ability to manage their own finances from anywhere 24 hours a day, clients receive a number of privileges, namely:

premium bank card;
a wide range of currencies for deposits;
advanced payment options for various services;
the ability to use ATMs around the world.
The client is provided with a MasterCard card equipped with an EMV chip to enhance security with PayPass technology (contactless payments). By default, accounts are provided in ten of the most popular currencies in the world, among which it is worth noting francs, yen, pounds, Australian dollars and others. An additional advantage of City Online Banking is the ability to manage your finances using the Internet Banking and Citi Mobile® application. The client can pay for all types of services provided by providers, housing and communal services, communications, money transfers to the accounts of all banks in Russia without commission. The user is provided with all the privileges if there is an amount of more than 400 thousand rubles on the cash account.

Modern services that allow you to always stay in touch with the bank

Internet bank: transactions via the global network. Citibank® Online is an online banking that allows the client to carry out financial transactions at any time of the day and regardless of his location. The only condition for controlling accounts through City Online Banking is access to the global network. The service allows:

perform financial transactions without commission;
place deposits in a few clicks;
pay for services online;
perform settings for repayment of a loan in any bank in the world in automatic mode;
receive free electronic statements of all accounts;
perform conversion operations;
make payments by accrual identifier (within the territory of the Russian Federation);
save templates for performing the same type of financial transactions.

Citi Mobile: Offer for Mobile Owners

Citi Mobile is a modern service that City Bank offers to users of iPhone and Android devices. Users of gadgets can connect to the global network via an Internet connection of any format and manage accounts anywhere in the world. JSC CB Citibank offers two options for using the service. In the first case, the client needs to download the application for the device, and in the second, use a special resource, which is presented on the official portal of the bank at mobile.citibank. Citi Mobile offers a full range of services available through Citibank® Online. The list of additional benefits of Citi Mobile includes an opportunity to familiarize yourself with Citibank ATM networks. Also, the client can find the nearest terminal, Citi bank office or retail facility, where discounts on bank cards are available.

One of the latest innovations was the addition of a search function for terminals at the Eleksnet substation. Payment for services in the terminal network of the most popular payment system is carried out without commission. The mobile application can detect the nearest self-service points at a distance of up to 5 kilometers.

The Citi Mobile system from City Bank has the highest level of security. The connection is made via a secure channel. A one-time password is used to log in. In addition, an additional flash password is required to make money transfers.

Citibank Alerting Service

Citibank Alerting Service is provided to receive information messages. It provides an opportunity to receive a notification by e-mail or in the form of an SMS about a financial transaction that is carried out on the clients accounts or his bank card. The list of notifications includes debit transactions, crediting of funds, placement or expiration of the term of the deposit. Citibank offers service connection for 89 rubles per month.

The banks SMART branches allow you to use all the high-tech capabilities of banking services. Special tablets are installed in many branches of the bank and allow you to carry out financial transactions through the City online bank, as well as receive advice from specialists in the videoconference mode.

Consultations and tips over the phone

CitiPhone is a service that provides telephone service to City Bank customers. CitiPhone operates in two modes:

automatic (24 hours a day);
consulting (from 8 am to 8 pm).
With the help of an automatic service, you can perform financial transactions based on the prompts of the system.

Currency transactions City online bank

To carry out currency transactions in real time, the FX Live Rates technology is presented, which was developed for the Internet banking and Citi Mobile services. Transactions are carried out instantly and fully correspond to the quotes of the interbank foreign exchange market. Clients can independently carry out foreign exchange operations, as well as use the banks functionality. To do this, you need to fill out an application online. Upon reaching a certain exchange rate, City Bank employees will buy or sell currency in accordance with the clients wishes. Thus, clients can manage their portfolio or carry out exchange transactions to transfer funds. Citibanks currency conversion features are direct quotes, which avoids double exchanges and additional fees.

The Citi Financial Group and its Russian subsidiary Citibank are the market leaders in providing services to corporate and private clients. The companys strategy is aimed at economic progress in all forms, and the bank demonstrates this in its innovative products, investment projects and reliable assets. Thanks to Citi Bank, businesses and individuals gain access to the capital market and, accordingly, new economic benefits. The Global Bank opens up a new financial world that unites hundreds of millions of people!

FC Otkritie is one of the largest commercial banks in the Russian Federation. The bank is part of the Otkritie financial group. The headquarters is located in Moscow. The financial institution was founded in 1993 and until mid-2014 is known as “Nomos-Bank”.

Bank foundation

The initiator of the formation of the banking structure was the ICT Group of Companies. Until 2003, Nomos-Bank acquired 6 large branches. The financial institutions specialization was focused on servicing enterprises that were engaged in gold mining, as well as providing services to the defense industry. In the early 2000s, Moodys agency noted the banks international activities. Over the next five years, the bank has been actively expanding its financial influence on the Russian market:

2005 - takeover of Regiobank;
2010 - purchase of the Khanty-Mansiysk Bank, a universal retail bank.
The IPO was the most important event in the development of the banking business of the Russian Federation. Namely, "Nomos-Bank" became the first commercial organization to enter the London Stock Exchange. The amount of funds amounted to $ 600 million.

Securities of Nomos-Bank were purchased in 2013 by the opening holding, and a year later the bank entered the market under a new brand - Financial Corporation Otkritie. Since 2014, the bank has been a key entity within a financial group. This year, the holdings management announced that a part of the shares of the financial group was excluded from the quotation list of the London Stock Exchange.

In 2015, Nomos-Bank bought a controlling stake in Petrokommerts Bank.

Achievements of the bank: assets, clients, areas of activity

Today Otkritie Financial Corporation Bank is the leader among commercial banks in the Russian market according to the provisions of the federal legislation of the Russian Accounting Standards (RAS), and among all financial institutions it occupies the 4th position. The volume of total assets exceeds 3.36 trillion rubles, and the value of its own portfolio is estimated by IFRS at 216 billion rubles. Data presented as of January 1, 2016.

The financial institution has more than half a thousand branches throughout the Russian Federation, which include branches, operational cash desks and offices. Nomos-Bank focuses on the regions that can be a potential source of profit. Therefore, branches and offices are located in the largest regional centers and districts of the Russian Federation, in particular, Volgograd, Novosibirsk, Khabarovsk, Tyumen and others.

Customer service is provided at all levels of the banking business, from the retail segment to offering to the largest corporations.

Customer base

The number of business clients of Otkritie FC Bank exceeds 29 thousand. More than 212 thousand representatives of the IB use the banks services, and the number of Nomos-Bank online private clients exceeds 4,300,000. The ATM network includes about 4 thousand self-service units. The number of employees of the banking group exceeds 20 thousand specialists.

Achievements in the domestic banking market

Today, the banking institution demonstrates high growth rates and is one of the top five in terms of loan portfolio for business, as well as in the segment of funds attracted from individuals. The bank takes leading positions in different directions, namely, it is in the TOP-10 for the following services:

customer credit;
volumes of financing for SMEs;
the amount of funds allocated within the framework of mortgage lending.

Bank programs for corporate clients

As part of corporate services, enterprises can count on the following services:

settlement operations (management, capital, opening a current account, foreign exchange transactions, notary deposit account, conversion operations, collection, foreign exchange control, cash services);
lines of credit;
overdraft lending;
placement of funds (deposit programs, bills of exchange, certificates);
operations with precious metals.

Credit programs

Bank FC "Otkrytie" ("Nomos-Bank") offers a number of credit programs. As part of the provision of funds, loans are provided, which are credited to the current account at a time. Credit lines are provided separately, providing for the use of funds during the period specified in the agreement. Also, clients are allocated revolving and multi-currency credit lines. In most cases, multicurrency loans are in demand for leasing transactions.

Overdraft

One of the services provided by "Nomos-Bank" online is the presentation of an overdraft loan. By obtaining a loan from a bank, business owners have the opportunity to transfer funds to counterparties without using finance that is in circulation. Thus, you can eliminate the formation of cash gaps.

Clients are offered 4 types of overdraft lending, namely:

traditional;
corporate;
using a transitional period;
with the possibility of monthly payment.
Companies that do not use accumulative programs in the bank have the opportunity to receive funds. In addition, Nomos-Bank does not require collateral for lending, and with an increase in financial flows, it provides for an increase in credit limits.

At the same time, certain requirements are imposed on a business representative, in particular:

implementation of activities - 3 years;
the minimum number of supplier companies is 5;
the minimum number of buying companies is 10 (with the exception of borrowers who use the collection service at the bank);
loan duration - 365 days.

Programs for placing funds in the financial corporation "Otkritie" ("Nomos-Bank") for corporate clients: certificates

The certificates offered by the bank are a deposit tool that secures the clients rights to receive funds in the form of a principal deposit, as well as interest. Nomos-Bank issues certificates of deposit on the basis of an agreement. The settlement currency is rubles. Placement terms can range from one month to 3 years. The indicative rate for placement for one month is 8.65%, for a period of one year - more than 9%. Fixed income is charged on strictly set lines. The “Nomos-bank” card can be used to receive funds. The certificate of deposit itself is not legal tender.

Purchase and placement of bills

Unlike certificates of deposit, the holder of bills of exchange can use them not only as an accumulation of deposits, but to make payments to counterparties. In addition, Nomos-Bank online allows its clients to use promissory notes as collateral. The essence of the purchase of securities is simple and provides for the conclusion of an agreement, which requires the provision of a standard package of documents (similar to when opening a standard RS).

The minimum value of a bill is 5 million rubles. Some indicative rates in various currencies of the world when placing promissory notes.

Russian ruble: 30 days - 8.9%, more than 365 days - 9.15%;
American dollar: 30 days - 0.1%, more than 365 days - 1.4%;
Euro: 30 days - 0%, more than 365 days - 0.3%;
NZD (New Zealand dollar): 30 days - 1.69%, more than 365 days - 2.89%;
Chinese yuan: 30 days - 1.18%, more than 365 days - 3.68%;
Pound Sterling: 30 days - 0%, more than 365 days - 1.16%;
ZAR (South Africa): 30 days - 6.41%, more than 365 days - 8.33%.
When purchasing securities, settlements can be made in different currencies at the rate that is current at the time of purchasing the securities. Buying a bill in “Nomos-Bank” denominated in rubles allows the client to receive optimal income at a fixed rate without the need for currency conversion.

Deposit programs for business from the bank FC "Otkritie" ("Nomos-Bank")

Nowadays, it has become much easier to manage liquid funds, especially when it comes to remote service, with which you need to spend a few minutes to open a cash account. Online service "Nomos-Bank" provides for such an opportunity within the framework of the "Client-Bank" program, which is available to all business representatives. The principle of placing a savings deposit is as follows:

the client enters into a general agreement with the bank, which allows opening accounts remotely;
one of the deposits offered by the financial institution is selected ("Classic", "Flexible");
funds are transferred in real time (to deposit);
an application is sent to the bank support service.

Some deposits from the bank FC "Otkrytie" ("Nomos-Bank")

As of July 2016, the bank allows you to use several deposit programs. Each of the presented deposits has the ability to pay interest rates. For payments can be used a card "Nomos-Bank", current account. It also provides for capitalization of interest and prolongation of the deposit.

Some savings deposits

Deposit "Classic". Currency: rubles, dollars, euros. The minimum term is 2 years.
"Flexible". Currency: rubles, dollars, euros. The minimum period is 60 days.
"Early". Currency: rubles, dollars, euros. The minimum term is 1 year.

Financial transactions with precious metals

FC Otkritie (Nomos-Bank) actively cooperates with financial institutions, investors, jewelers and companies that are engaged in the production and mining of precious metals. Loans are provided to enterprises that mine precious metals and are engaged in processing. Leasing programs are also provided. In the list of implemented projects, it is worth highlighting the financing of the Buryatzoloto company (2006), as well as a number of construction projects, for example, the Valunistoye GOK, Tidit CIF and others.

Otkritie FC Bank conducts operations related to the purchase and sale of precious metals, concludes options and futures agreements, and supplies bullion to the countries of the near and far abroad.

Clients of "Nomos-Bank" online represented by legal companies can open anonymized accounts in precious metals, buy and sell them, as well as transfer them to a financial institution for safekeeping. Opening and closing a metal account is free of charge. Withdrawal from accounts of gold, silver and other precious metals provides for a commission, which is established between the parties on the basis of an agreement. The funds are disbursed at a price set by the Central Bank of the Russian Federation at the time of completion of the transaction.

Trading operations with precious metals

Bank FC "Otkrytie" ("Nomos-Bank") has a powerful correspondent network, which allows deliveries of gold, silver, platinum to almost all countries. Interested parties can use the service of buying or selling precious metals on the classical market or on the largest stock exchanges, for example, CBOT or RTS. Clients can perform conversion of financial positions, receiving gold as a calculation for it.

Financial institution FC Otkritie has high liquidity in the banking market. With its help, corporate clients can customize their investment portfolio for the conditions of the modern market. At the same time, a wide range of services for individuals is offered, which is distinguished by reliability and minimal costs.