Many people have heard of a financial institution undername "Promsvyazbank". The rating of the best banks in Russia calls it one of the most reliable. And this is a fact. However, it is worthwhile to tell in more detail about this organization and about everything that concerns it.
general information
How do you start by talking about a credit institution like Promsvyazbank? Rating is the first thing that interests potential customers, and this is important, but first, a few words about the organization itself.
So, this Russian bank is private. Its full name is as follows: "Public Joint-Stock Company" Promsvyazbank "." Often you can still see the abbreviation - PSB.
Если верить официальной информации, то клиентская The bank’s base consists of approximately 100,000 entrepreneurs and two million individuals. It has more than 300 points of sale and about 8,500 ATMs. Plus, about 200 self-service terminals. The services of this bank are offered on 88% of the territory of the Russian Federation. What is important - the organization has its branches in Ukraine, Kazakhstan, India, China and Cyprus. Three years ago, an office was opened in Switzerland, and the bank also plans to start working in the PRC, or more precisely, in Hong Kong.
A bit of history
"Promsvyazbank", whose rating is very high,was founded in Moscow on May 12, 1995. Initially, the organization’s clients were telecommunications companies. But it was developing dynamically, so that in a short time (already after 3 years) the bank took its place among the hundred best assets. And in 2005, he rose to the 15th line. Since the moment Promsvyazbank, whose rating has grown significantly over the 10 years of the financial institution, has begun to develop more actively. He began to turn into a "universal" organization. Already in 2007, he had his points of sale in 100 locations of the Russian Federation.
The bank became so popular that in 2005, inIn September, a Slovenian organization called Nova Ljubljanska Banka acquired its stake in the amount of 7.69%. True, a year later, the owner bought this part back. And after a while, 15.32% has already been sold to Commerzbank. And in 2007, the PSB ceased to be a closed joint-stock company, changing its status to OAO.
But the most interesting thing is that at the height of the crisis of 2009, he entered the TOP-rating of banks. Promsvyazbank has become one of the most reliable in all of Russia. He is in fourth place in this TOP.
Assets
In many ways, how good a bank is isin size and volume of its resources. Which, strictly speaking, are the assets. Take, for example, a bank called "Elbin." It is unlikely that many have heard of him. What is not surprising, because he is on the 549th, the last place in the Russian rating of banks! And its assets (the very resources) amount to only 830,750 thousand rubles. Not very much, if we remember that Sberbank's own capital, which is known to every person, is 3.2 trillion. And even more assets - 27.3 trillion! The figure is quite difficult to perceive. But it suffices to say that it is 27.3 times a thousand billion. Impressive? Go ahead.
Solid assets boasts and“Promsvyazbank”, a place in the rating is on the 9th line (according to data for November of this year, 2016). His assets are 1.2 trillion. Equity capital is 123.44 billion. And these numbers simply can not impress. And the fact that most of these funds consist of the investments and investments of the organization’s clients is the best proof of its reliability.
news
Not surprisingly, the rating of Promsvyazbankreliability is high. That he is good indicates literally everything. Take, for example, the recent news that appeared in early December 2016. It became known that Promsvyazbank entered the top three financial organizations in the premium service segment. The results announced the Frank Research Group. It is a leading research company in the field of financial services analysis.
Стоит знать, что во внимание принималась оценка level of service and quality of remote banking services, various privileges, investment proposals and other criteria. The head of the department for working with wealthy clients assured that Promsvyazbank pays special attention to the premium segment and the development of the business area. And since people value personal service, even though they use remote channels, the organization decided to open new zones for them. In 2017 it is planned to create them in other Russian cities, not only in Moscow and the Moscow Region.
Interesting to know
Talking about the rating of the bank "Promsvyazbank" byreliability, I would like to say that not so long ago this organization became the winner of the prize called SPEAR'S Russia Wealth Management Awards. And this is an important fact. Since this award, the ceremony of which is held annually, is awarded to the best representatives of private banking services, whose activities are related to the management of large capitals.
This award is a true recognition of the effectiveness and success of the organization. And confirmation of their high level of professionalism.
Interest rates
No wonder a company like PromsvyazbankCentral Bank rating puts in the top ten best. This organization cares not only for well-off clients, but also for all the people who apply to it for services. Recently, for example, Promsvyazbank decided to reduce loan rates. For small businesses, they are now equal to 9.4%, and for medium ones - 8.3%. For comparison, one of the most profitable offers of Sberbank is Business-Invest, and its annual rates range from 11.8%. Looking at the difference, it becomes clear that the senior vice president of Promsvyazbank was right in saying that their company offers the best conditions in the financial market for entrepreneurs.
Work with individuals
Many people are interested in:How good is Promsvyazbank in terms of services provided to ordinary citizens? Still, not everyone in our country is a wealthy person or business owner. Well, and in work with individuals, this organization has succeeded.
As an example, consider suchservice, as a "substantial percentage." It is beneficial to people who want to invest their money somewhere and increase their income. For a person, an account is opened, on which he lays a certain amount for a particular time period. The rate is 8.25% per annum. An additional 0.25% can be added if the person owns the Orange Premium Club service program or “Your PSB Premium”.
Suppose a client decides to open a “Solidpercent, putting at the expense of a million rubles. At the end of the term (1 year), he will receive these funds back, plus a profit of ~ 83,000 r. And if you invest more? Then there will be quite a good passive income.
Mortgage
Credit rating of Promsvyazbank - topicinteresting, so it is worth it to go deep. Nowadays, the most popular type of loan is a mortgage. And many make it out at Promsvyazbank. Why? And because the organization offers favorable terms.
You can buy an apartment in a new building, taking a mortgageat 10.9%, and even with government support. What are the benefits? First, the stated rate is valid for the entire loan period, but if people use the services of partner developers. Secondly, the down payment is only 20%. That is, if a person wants to buy a one-room apartment for 2,000,000 rubles, then initially he will have to pay only 400,000 rubles. Thirdly, the bank does not charge any additional fees for processing a loan and offers early repayment without fines and restrictions.
And the most important advantage is transparent andfew customer requirements. Citizenship must be Russian, age - from 21 to 65 years on the date of return. Registration or a permanent job - also in the Russian Federation. Work experience - at least a year. And in last place - 4 months. It is acceptable to attract a co-borrower, but they can only be a legal partner (husband / wife). And if a man takes a loan, he should not be called up. That's all. The conditions are as simple as possible - this is the main reason why many people apply for a mortgage in Promsvyazbank.
At last
And as another proof of reliabilityPromsvyazbank wants to say that in the summer of this year, the Internet bank of this organization was recognized as the best in all of Russia. The research was conducted by a magazine called Global Business Outlook. This business publication annually organizes award ceremonies in various categories of economic business activities. And PSB Internet Bank was recognized as the most reliable and best. After all, it is used by every fourth client of the organization.
By the way, in the middle of spring of the current year PSBintroduced people to the new Internet bank. Not only the design, but also the content has undergone changes. Added useful features, and the most popular operations that customers use most often became available in just one click.
In general, as you can see, there is plenty of evidence for the safety of a PSB. The most obvious is the size of the assets and the place in the rating of the Central Bank. Oh, what is what, and in these facts no doubt.
