«Russlavbank" ratings in most cases is positive, as a financial institution in its history has always fulfilled its obligations.He started to provide financial services on a professional level in 1990.Today the Bank is engaged in not only financial, but also the activities of the partnership, has a sufficiently broad network of correspondents.Customers throughout Russia enjoyed high quality service and feel comfortable.The Bank is actively working and expanding its activities, it offers a wide range of both banking and a variety of services.
impeccable reputation
«Russlavbank", reviews of which attract attention, has an impeccable reputation.The financial institution has the best specialists in their field who are always ready to provide every customer and assistance and professional advice.On all issues related to credit and banking services, people get satisfactory answers.Words of gratitude towards the staff have repeatedly heard from the mouth of satisfied customers.The financial institution will pay great attention to charity.Financial support is provided and orphanages and children's homes.The bank's shares (92%) are the property of Abdulkerimov Abdulzhelil Makhmudovich, which is included in the list of the wealthiest bankers of the country.In 1999, "RUSSLAVBANK", reviews of which there are also negative, has developed a system of money transfers CONTACT, which now occupies the leading place in the financial market of Russia.Embracing the neighboring countries, it received the status of socially significant.According to the latest annual report, the financial institution assets amounted to 34,050,642 rubles, the amount of capitalization was equivalent to 5,212,776 rubles, credit portfolio amounted to 645,300 rubles, and the volume of deposits - 9,736,085 rubles.
high level of work
«Russlavbank" reviews which occur more often positive than negative, is one of the oldest members of the domestic financial market.The main specialization of the institution - is providing services to individuals, both residents and non-residents, entrepreneurs and representatives of small and medium-sized businesses.Activities battery in accordance with a general license bank in Russia on April 28, 2012.By the beginning of 2015 in the structure of the bank is already included 6 branches and 111 offices in 76 cities, one main office, 45 domestic subsidiaries.It is 34 additional offices, credit and cash 7 center, 4 operating offices and three operational offices.
credit ratings to "B ++".Credit rating at "BBB +" with a positive outlook.Financial strength rating "E +" and the rating of deposits in rubles and in foreign currency correspond to the category of "B3".The forecast from the international rating agency Moody's Investors Service is consistently positive.The official estimate of the Central Bank said that the bank is safe.Here it is necessary to add that despite the crisis, the financial institution is not experiencing difficulties in meeting their obligations.In 2014-2015, when many financial institutions have ceased to pay deposits and began to apply for refinancing to the CBR, "RUSSLAVBANK" customer feedback which in connection with the fact that very positive, not only continues to accept deposits, but also regularly pay for theminterest, and at the end of the contract term return to investors their funds.Moreover, the financial institution is a party to the deposit insurance system.
satisfied customers wide range of services
Currently financial institution offers its customers a huge amount of services.Among the proposals are available as standard products of domestic and taken over from international practice.It should be said about the retail and corporate lending.Individuals may receive a loan of 600 thousand rubles per hour for up to 5 years.According to clients, it requires a minimum set of documents, and the presence of guarantors is not essential.
focus most often on a simplified scheme of cooperation.The Bank accepts deposits and provides the opportunity to manage their accounts remotely.Use the Contact system can independently execute money transfers and make payments.No need to queue for hours pleases many.Open custody operations and different operations with bank cards.Perform warranty and documentary transactions.Among the unusual proposal is worth noting passports professional service contracts for the export or import.Quality of service appreciated by both individuals and legal entities, but also domestic and foreign correspondent banks, which number more than 600. Numerous number of customers and partners not only in Russia but also abroad, confirms the truth of positive reviews, transferring them from the category of advertising insection recommendations.Positive feedback is often talk about a very attractive program of refinancing loans.
interesting programs for cardholders
AKB "RUSSLAVBANK", reviews of which decline to cooperate, offers not only credit cards, but their quick service.At this point in the program of the bank are three kinds of products:
- Income card.
- Income Card GOLD.
- credit card.
most attractive, according to customers of a financial institution is profitable card."RUSSLAVBANK", which reviews the positive in connection with this product, the program offers a unique depository of its owners.In the rest of the personal funds in the account, regardless of their number, and earn interest at the rate of 15%.Make a map is very simple in any bank branch.Release is carried out on the same day.Card is equipped with a chip that ensures full security payments.Pleasantly pleased with the presence of many technology 3D-Secure.Pleasant reviews of the owners of the product sound to what you can withdraw funds, not only in Russia but also abroad.People were surprised with the fact that the Commission of non-cash payments in shops are not removed.The owners of the cards say pleasant and profitable addition to a 20% discount on the program «MasterCard Favorites."Separately be said about credit card with a renewable limit of up to 500 000 rubles.Reduced interest-free period is 57 days.Using the product is very convenient.Savings achieved through free annual service credit.
Instant service cards: Bank realizes that the time - it's money
Bank "Russlavbank" opinions about which is very rare with a negative tone, has always been distinguished on the background of its competitors fast and professional service accounts.Clients never expressed criticism on the lack of opportunity to withdraw money from an ATM or to replenish card account.All operations are carried out as quickly as possible, no delays, delays and collapses.People never complained about the failure of the plans as a result of a long process payments.The reason for such a professional business management began in 2014 precession own center, which easily handles the entire spectrum of operations and emissions raschetai.
Service VISA and MasterCard, including chips and prepaid, carried out with maximum efficiency.At this point the processing center can execute the order of 50 transactions per second.After connecting the processing center at the end of June to the system OPC clients access to 28 thousand ATMs.According to cardholders to use them - a pleasure.Withdraw cash and pay fees can now be in any area of the capital.Income Card "Russlavbank 'reviews of that and so were always positive in the near future will become even more popular.This is due to the fact that the financial institution does not cease to negotiate with partner banks on the integration into the international payment system.The work is aimed at providing high quality service and minimize costs.
What do depositors on deposits?
«Russlavbank" deposit offers very diverse.The product line is simplified to the maximum.Customers do not have to deal with a difficult choice between high interest rates and mild conditions of partnership.Today, the choice is available three proposals:
- program "Golden Mill". interest on deposits can be up to 15.5%.The maximum income for ruble deposits ensured.Combustion of interest is not provided.
- program "All the pros." deposit can be issued at 12.35%.Deposit currency can be both national and euro or dollars.Provided for capitalization of interest.Allowed partial withdrawal and the flow of funds without losing accrued interest.
- program "Supervklad» for deposits in euros or dollars.
Bank customers, evaluating commercially available financial proposals, agree on the fact that "Russlavbank 'deposits in foreign currency and in rubles offers on the most favorable terms.Compared with products that have been named the most profitable and which offered only a few years ago, "RUSSLAVBANK" (special deposit), trends were even more profitable and convenient.However, in times of crisis, this parameter is not the main thing.In connection with the bankruptcy and restructuring of such giants of the domestic market as the "Financial initiative" and "Finances and Credit", investors began actively to take their money, turning a blind eye to the loss of interest.What was their surprise, when the bank unconditionally to pay the bills.Most interesting is that a massive outflow of funds in late 2014 and early 2015 did not cause problems with liquidity.
collapse in 2014
In 2014 the society began to go and serve that could soon turn into a bankrupt and well-known in the country "Russlavbank."Revocation of a license, which faced many financial institutions in the country and had no place to say more in this vein, the issue was not even discussed.The fact is that it was in the spring of 2014 the Ministry of Interior conducted an investigation for "illegal banking activities."The search was not only subjected to "Russlavbank" feedback from staff which were always perfect, but an organization such as "Finprombank" and some travel agencies.Suspects was Alexander Mironov, who served as vice-president.According to law enforcement officials, seven people were accused of illegal withdrawal of funds and cashing through private one-day companies.Preliminary evidence suggests that each month passed through the hands of 2,5 billion rubles.Conclusion cash worth 3.5% of the total, and transit costs about 0.3%.Excessive attention to bank depositors caused concern.In fact it turned out that "RUSSLAVBANK" (deposits for physical. He entities and today offers the most convenient), no relation to the fraudulent actions had.On the part of the bank's management was provided full assistance, including were provided all the requested documents.Claims to the financial institution by the Ministry of the Interior no.The situation unpleasant, but does not impose a mark on the performance of the financial institution liabilities to customers.The Bank as working and operating normally.
CONTACT - innovation for customers
As mentioned above, "RUSSLAVBANK" ratings on loans whose only positive, in 1999, launched a service CONTACT.This technology has enabled financial institution customers to make transfers between individuals.The structure is based on correspondent relationships between banks-partners of the program.Translation is carried out under the simplified scheme, which has been repeatedly mentioned in the responses of satisfied customers.Opening of specialized account is required.The main users of services have become seasonal workers, students, immigrants and tourists who do not have accounts opened in Russia.People who had to deal with an urgent need to send or receive money, very satisfied with the system.Systematically is expanding the network of correspondent banks.Already to date, the program involved 73 countries.In the face of partners CONTACT serves at least 900 Russian and international banks.An extensive network of customer service, which has more than 400 000 points in 160 countries of the world, explains the positive feedback about the service and the convenience of use of its services.The system was the winner in the category "Consumer rights and quality of service in 2014" and won first place in the contest "Brand № 1 in Russia" in the period from 2011 to 2013.
Small missteps when working with the system CONTACT
Like any computer program, CONTACT system to its users had to deal with a number of inconveniences.It left a definite negative impact on the reputation of the bank "RUSSLAVBANK", reviews of loans and deposits which in most cases positive.Resentment users was associated with hanging system in the early stages of its work.It happened so that the appearance of the need to send money and functional at all turned out to be inoperative.With the development and improvement of the payment system mistakes eliminated and discontent becomes smaller.Nevertheless, the case of single events which attract attention.Thus, according to one of the clients of the bank, when sending the transfer to the United States, he has not been delivered to the recipient.After a long delay in time the problem is not resolved and the funds had to be returned to the sender.But the most interesting thing is that after a long dialogue with the customer service refund was made outside the rules.Instead of the promised five days, translation returned a few weeks.According to statistics, 95% of the time "Russlavbank" customer feedback is positive, and this collapse is a big exception to the rule, rather than regularity.More positive feedback about the design of sound translation which takes a minimum of time and is as simple as possible.
summarize: whether the bank deserves trust?
Summing up and looking at the situation in the banking sector of the country, we can say that there is no significant deficiencies at the bank "Russlavbank."Reviews (Banks. Ru) and found negative and positive.Thanks and eulogies much more than anger.You can meet the description of unpleasant situations that are instantly responsive support.The issue can be postponed, but the result does not change.Pleasant consultants and managers live over the phone and answer all the questions, trying to help customers with all means available.Despite the problems of domestic banks, related to liquidity, "RUSSLAVBANK" continues to work and develop.Contributions are paid, complaints from the depositors do not.Against the background of loss situation can be described as a great advantage.The only thing you should pay attention - this is sending spam in the form of SMS messages.There is a large number of complaints on this issue.According to the bank's clients on the phone regularly receive a notification regarding the approval of the loan requested to contact the office and arrange a loan.Once people drop everything, come to the office, he is rejected.The situation is repeated for a long time.Requests to remove a number from the SMS-mailing is not considered, the problem is not solved.Bank customers also warn that you need to carefully read the contracts for this category of loans.Interest on them is not always beneficial.Vigilance, you can avoid conflicts in the future.If this shortcoming will be eliminated, the cooperation with the financial institution will deliver customers only pleasure.
