«AyManiBank" problems that limit the discontent on the part of a certain percentage of customers, until recently was known only in the Gorno-Altaisk.In the last two years financial institution is active, which allows him to go to the federal level, and be on a par with the country's largest banks.At present the network consists of 31 office branches in different parts of Russia.Financial institution only works with individuals who are available in a wide range of services.Among the proposals there are deposits and rental of safe deposit boxes, a wide range of credit products.The most popular service, which draws attention to the institute as "AyManiBank" in St. Petersburg and other cities of the country - is car loans.
Bank history
basic bank for opening an institution like "AayManiBank" problem which was not spared during the economic crisis, no one was the opening in 1992 "Altayenergobank."His story ended in 2013.During this period, in the financial world as a result of rebranding and it appears "AyManiBank."In the first stages of "Altayenergobank" provides services only within the same region.Since the mid-2000s, management of the institution has taken a serious decision to withdraw the federal level.Since 2009, the Institute enters the list of the top 500 banks in the country.After rebranding financial enterprise changes the address of the head office, which has now moved to Moscow.In 2013, there is a complete change of strategy of development of the institution.If in 2012 the main focus was on consumer loans, then, starting in 2013, major efforts were focused on the design of car loans.By the end of 2014 "AyManiBank" problem that has not had time to comprehend, as its predecessor, it has entered the list of the top ten banks in terms of loans to buy a car.Today, car loans remains a priority.On a higher level had been raised, and other banking products.
Active development of car loans
As mentioned above, the main banking product of the Institute - is car loans.It is in this area is considerable activity is carried out integration with dealer networks for car sales.Systematically formed new partnerships, expanded the list of points, where private customers can get a loan.Most of the products, with the exception of contributions is aimed at customers who have already obtained a car loan.They can be seen only as a convenient and profitable addition to servicing the loan.Much attention management pays convenient banking services to its customers anywhere in the country.Each client available tools such as a personal account on the official website of the Institute and the online bank "AyManiBanka" - "I-Click".Remote access to the account is constantly being improved.The list of Internet services systematically expanded, new opportunities, enhanced security.Through negotiations with new potential partners, the bank's management is constantly expanding capabilities in terms of payment for its services, offering more and more new methods of calculation.Today, a car loan can be repaid on special favorable terms through such payment systems as a "leader" and "JCB", "Rapid" and QIWI, CyberPlat."AyManiBank" in St. Petersburg and its other offices in the country are members of the "United Settlement System", which included 120 domestic banks, forming the 40,000th office.
reviews the Bank
«AyManiBank" office locations which is very easy to find in the largest cities of the country, has attracted numerous proposals for its number of customers, which led to the emergence of a huge number of comments about the partnership with the Institute.The experts conducted an assessment of most of the reviews agreed on the fact that the bank has both advantages and disadvantages.Many customers in a positive way about the variety of programs, say the car loan.Pleasantly pleased the return of the funds to a bank account when buying fuel at the map of the institute."AyManiBank" reviews is not only positive.There are quite a large percentage of customers who complain about the dubious reputation of automobile salons, with which the bank has a partnership.As for deposits, often people talk about the intricate conditions of partnership and a fairly complex system of charging interest.As for car loans exclusively, the primary focus is on a sufficiently large overpayment.There are people who have received no promised in the advertising package, and stumbled on the rough refusal.With regard to the card "Avtokopilka 'opinions are divided.There are a lot of customers are fully satisfied with the product data bank.Not without its card holders who have plastic was blocked after a few months of use, together with all the facilities that are on it.According to them, CB "AyManiBank" package required to provide copies of the documents because of their absence in the database.In case of early repayment of the loan for the purchase of cars were seen refusals to return insurance.
Ranks and insignia
Key financial indicators derived "AyManiBank" problems that limit the resentment on the part of customers, which is characteristic for each financial institution in the list of the top 200 banks in the country.The largest banking portal Banki.ru, assessment of banks' clients, a guest of the project, given the institution's position in the top ten financial institutions in the country as a result of the national rankings.In 2014, the agency "Expert RA" has recognized the Internet bank financial institution one of the most functional internet services in the country.It can be concluded that the power management of the institution had not been spent in vain.According to the agency Moody's, in 2014 the establishment of the national scale rating was assigned Baa3.ru, and on the international scale - B3.The bank is marked as stable.The agency "Rus-Rating" also noted the Bank as a stable and assign a rating of BBB + national and international explosives.
What customers are not satisfied with the bank's car loans?
Due to the fact that the company "AyManiBank" specializes in car loans, a large number of comments on the financial institution is connected with this type of product.People write that at the stage of registration of the partnership bank employees do not always provide reliable information about the conditions of lending.There is information that the signing of the agreement voiced by some experts of the bank loan conditions, and after the documents have been signed, they are quite different.As for the last comment, the customers themselves to blame.People trying to save time, just do not bother reading a multi-contract and to sign immediately.This causes an unpleasant situation in the future, when the time comes to make the monthly payment.Such dissatisfaction can be seen not only in relation to such institutions as the "AyManiBank" in Moscow, but also in relation to other banks.In contrast to the negative reviews about the company you can find many words of thanks from customers who skillfully chose a car loan and properly fulfill their obligations to him.
Future plans
«AyManiBank", whose rating is high enough for most is not so much an ordinary bank as service providing assistance in obtaining car loans.One of the specialties of the bank - it is lending to bail road transport.Now there are about 30 branches in the country, management plans to open at least 50 branches.Offices will be located in each of the federal districts of Russia.This will quickly and efficiently provide services to all corporate clients.In the future, planned involvement in the financial institution of foreign investors, which will open the way to the establishment of hundreds of the best banks in Russia.The idea will be implemented in the next three years.In the next five years planned out the bank's leading position in its segment of activity.If you believe the business plan of the bank, which is now being implemented ahead, in the future it will become the most dynamically developing financial institutions.
Reporting on May 1, 2015
Institution "AyManiBank" whose reliability is quite high, belongs to the category of medium-sized Russian banks.He belongs to the 170-th position on net assets in this category.On May 1, 2015 net assets of the financial institution amounted to 22.87 billion rubles.Total assets for the year increased by 8.12%.Asset growth has had a negative impact on the return on assets ROI.According to the data for the next reporting period, on April 1, 2015 margin decreased from 0.76% to 6.63%.Moody`s Agency reported that the financial institution is exposed to high credit risk, and the level of credit remains low in 2015.There is every chance for further downgrade.Compared to 2014, and estimates that are mentioned above, the situation has worsened.If you compare the work of the bank with other financial institutions in this category in the country, it is difficult to call it negative.Financial institutions are not faced with the interim administration and the procedure of liquidation or bankruptcy.Despite the difficulties that are characteristic of the whole for the whole financial sector in the country, the institution is not disclaimed responsibility.Deterioration or reduction of statistics in the period 2014-2015,.It is increasingly seen as the norm, rather than a malfunction.Under the impact of the crisis were almost all banks, and "AyManiBank" is no exception.The fact that he continues to operate and expand its network of branches, despite the tough economic conditions, only increases customer loyalty, and increases the level of confidence.
Contributions
Institution "AyManiBank 'deposits attracted very active.This is due to the numerous amount of shares and bonuses, which many investors are tempted.Attract attention to relatively high financial market interest rates, which range from 13.07% to 15% depending on the program.The most advantageous offer financial institution - is 16.29% of the deposit, which provides for the capitalization of interest.At the moment, a financial institution duly fulfilled its obligations, and the reports of non-payment of interest or principal contribution yet.There are people who talk about the promises financial institution."AyManiBank" deposits of individuals that takes to this day, has provided one of TV customers at the end of the deposit.One can observe a slight change in the volume of deposits with a parallel increase in the amount of own funds of the bank, correspondent account with IBC and inclusive.Interest-bearing liabilities of the financial institution on deposits increased by approximately 10.4%, from 17.4 billion rubles to 19.21 billion rubles.
Liquid assets
Among the liquid assets of the bank owned by the funds that in the shortest possible time can be transformed into money for the return of their depositors and to fully meet their obligations.Liquidity - is a component of reliability.Liquidity of assets suggests that in the last month recorded the change in volume of highly liquid securities, marked by the growth of cash in hand and balances with the Bank of Russia.Interbank loans increased, and highly liquid assets, taking into account discounts and adjustments have changed indicator in the 4.01 billion rubles to 9.78 billion rubles.During the last reporting period "AyManiBank" deposits of natural persons increased by several times, which was accompanied by an increase in liabilities to customers.In parallel, during the last year of the financial institution in connection with the economic situation that prevailed in the country, the capital outflow for the year increased from 1.08 billion rubles to 1.75 billion rubles.A comparison of highly liquid assets and the amount of capital outflow generates ratio 558.26%.It shows excellent safety margin, which is able to overcome much greater outflow of capital than one that takes place today.
Summing up
assessed the situation with the bank "AyManiBank" (reviews, ratings, and stats), the experts referred to the category of financial institution with respect to reliable institutions.It is recommended for investments, but not exceeding the insurance provided by the Deposit Insurance Agency in the amount of 1.4 million rubles.Downgrade Moody's, with long-term negative outlook, inclusive, which caused panic among depositors, it has less to do with the activities of the bank, but to the economic conditions that continue to prevail in Russia.The very same bank simply reduced the volume of issued car loans, but did not break the rules and continues to regularly carry out all its obligations to customers.Reasons for concern of investors is absent today, and most of the credit belongs to the deposit insurance agency.Forethought to investors is not recommended to draw contributions for the reason that in the event of adverse developments of their funds may be simply frozen.With regard to customer responses, they found both positive and negative.As in the case with other financial institutions of the country, to meet the interests of all is impossible.Moreover, the people themselves because of their carelessness and neglect to cooperate with the banks agree to little benefit to their particular situation and conditions then express their outrage.A little care, a detailed examination of the conditions of partnership, a suitable banking product - and co-operation with the bank will leave only good impression.At any claim special service agencies to respond immediately.
