Despite its short history, "Delta Bank" quickly gained popularity among the population.People in low- and middle-income financial institution is allowed to purchase goods on credit or borrow cash.Bank easily survive the economic crisis in Ukraine in 2008.Today, things are not so smooth.
little history
PJSC "Delta Bank" was registered in February 2006.In a short time he gained wide popularity among the population.The main founder is Nikolay Lagun.Financial institutions began to develop at lightning speed thanks to consumer lending.Almost every hardware store was the representative of the organization that offers to issue credit for goods.A little later, it was introduced a new product - credit cards.
considered a universal institution PJSC "Delta Bank".Reviews show that there could be ordered and to issue a variety of financial products.But at the beginning of its activity the bulk of the portfolio is held small consumer loans.Perhaps because of that it managed to survive inflation in 2008.It affected mainly the banks that the emphasis was on mortgages and car loans.
on financial institutions today can hear a variety of responses."Delta Bank" (Ukraine) has a fairly extensive network of offices.In 2014, it opened 222 branch across the country.Clients could easily pay for loans or put money on deposit with no commission.Disgruntled remained only cardholders.After all, the ATM network of the financial institution was too small.
Consumer lending
basic rate financial institution is made on the population of middle and low income countries.Make out loans for goods up to 20 thousand hryvnia.They were simple consumer loans without collateral execution.Many customers pleased that signing the agreement had to provide only a passport and ID code.The whole procedure of the transaction took only 40 minutes.The customer fills out an application with the main data, and waited for an answer credit assessment.After a while, a person could go home to purchase.
The maximum period for which it was possible to issue consumer credit, was 36 months.Suffice loyal conditions if offered "Delta Bank".Reviews of loans to customers were left largely positive.It is often a financial institution holds shares and offered to purchase goods at 0% APR.
Credit cards
In 2007, the bank was presented a new product - credit cards.Now customers to buy goods, did not need to contact the bank or at the point of sale.Money could at any time withdraw from the loan account or to pay in the shop terminal.Credit cards get a variety of responses."Delta Bank" (Ukraine) initially provides two types of credit cards.Universal products are offered to customers who turned to the financial institution for the first time.It was a card with a credit limit of up to 3000 UAH.and an interest rate of 23% per annum.There was also a loyal financial product.This is a credit card that offers customers already cooperating with the bank.The credit limit is 5000 UAH., The interest rate - 19% per annum.
Thanks plastic card financial institution managed to increase its loan portfolio.Almost every client who once concluded a contract with the bank and was satisfied, and also sought to issue a credit card.In 2008, during the economic crisis drawing cards was discontinued.Returned product (with slightly different conditions) only in 2010.
Cooperation with investors
Since its inception, the financial institution has attracted investors.Contract deposits could draw both in national and in foreign currency.They were popular at most term deposits.Customers have the opportunity to put money at 18% in local currency and by 9% in foreign.During the economic crisis, interest rates on deposits increased significantly.People were afraid to trust their money to financial institutions.I found the approach to its customers, "Delta Bank".Reviews depositors of 2008-2009 can be heard only positive.After all, if it was possible to make a deposit in the national currency under 24%!People who are not afraid of the crisis and entrusted their money to the bank, were able to significantly increase their capital.
Much worse was the case in 2014.Customers who were frightened jump national currency began to terminate its deposit agreement ahead of schedule.Someone was able to immediately return the money.And someone had not taken the full amount to the present day.Meanwhile, all depositors' money must return the "Delta Bank".Reviews of deposits, which is made previously, mostly positive.And this is connected not only with a competitive interest rate, but also the cooperation with the Bank Deposit Guarantee Fund of individuals.This means that the money each depositor must be returned within 150 thousand UAH.
Mortgage in "Delta Bank»
Mortgage lending financial institution began offering at the very beginning of its activity.Check out real estate loan might only selected employees.Public this financial product became only in 2013.Suffice loyal conditions offered "Delta Bank".Mortgage had only positive reviews.People with formal employment and stable income can buy an apartment in a loan at 9% per annum.The maximum loan term - 15 years.During this time, it was possible to fully pay off the debt.
and foreign currency mortgages offered to issue the contract, "Delta Bank".Reviews have become significantly worse when the country overtook the economic crisis.Foreign currency exchange rate against the hryvnia rose, and repay the minimum payment for housing could not all.People who promptly contact the bank and explain your situation, went to meet him: credit conditions were simplified.
Car loans
buy a car on credit with the help of "Delta Bank" could be in 2006.But then the financial institution offers only one financial product in this area.Customers could buy a car in installments from the city and at 16% per annum.
since 2010 and began issuing loans for new cars "Delta Bank".Guest then were mostly positive.The reason for this loyal conditions of registration of the contract.The maximum term of the loan is 7 years.And the interest rate is directly dependent on the income level of the customer and the brand of car he wants to buy.There were only age restrictions.To conclude the contract could customers from 25 to 60 years.
In 2014, car loans have been suspended.The Bank continued to cooperate only with those customers with whom the agreement had been concluded earlier.
Current accounts
Since 2010 began to attract corporate customers, "Delta Bank".Reviews show that economists sought to attract more potential investors.We enter into contracts with different organizations and foundations.Many began to receive a salary at the map of the financial institution.The same principle is proposed to issue social welfare payments "Delta Bank".Pension card had a variety of responses.Most of the customers were satisfied.After all, under the terms of the agreement to a positive balance of plastic should accrue.It turns out that the normal retirement cards are also funded.
not only delight customers no ATMs.Withdraw money from the card without interest can be only in the bank.
«Delta Bank".Feedback from staff
PJSC "Delta Bank" for many young professionals - is a great opportunity to start a career.The senior management of a financial institution has always adhered to a loyal cadre policy.Become an economist at the bank could even final year students of universities with specialized bias.In order to work loan officer, it was not necessarily to have an education in the economic sphere.The main thing that a man was easily trained and sociable.
staff of financial institution always spoke well of him.Timely pay, friendly staff and permanent corporate parties - which still has to be the perfect job?
Transitional Administration
Unfortunately, the crisis in 2014 to survive the bank failed.Leaders of all the forces trying to pull the financial institution to the normal level.But a huge inflation had done its work.Already in March 2015 it introduced a temporary administration in the "Delta Bank".Guest contributors show that their money back during the crisis, and if successful, it will not be so easy.We have to stand in long queues to get a personal appointment to the leadership.Economists calm that all the money will be returned to depositors.We just need time.
