banking house became equal members of the Russian banking system.They represent the commercial, acceptance, or any other banking company, which is owned by a particular banker or bankers partnership with unlimited liability.
Areas
Gradually banking houses (DB) evolve into joint stock companies, merge with the international banking associations and corporations.At their base are the headquarters of the financial group.Scope of extremely broad.In addition to basic banking services (loans, deposits, foreign exchange, registration cards, money transfers), the database is actively involved in stock market speculation, insurance, trading operations with raw materials, precious metals, as an agent, design and consulting work, loans, emission-promoters' activitiesand other financial transactions.
ZAO "Banking House"
According to the issued license №2928 (19.12.2003 g), the bank has the right to:
- individuals to raise funds in foreign currency, rubles for placement in deposits.
- Post, attracting deposits of precious metals.
- conduct bank transactions in foreign currency, rubles (without the right to attract deposits from individuals).
One of the largest databases of St. Petersburg (not to be confused with the "Russian banking house"), the bank is a credit institution registered 27 June 1994.The state registration number: 1027800011524. The authorized capital is 3,670,340 rubles.
main activity
"Banking House" - the bank, carrying a variety of banking operations within the Russian Federation.He is a member of the All-Russian program of compulsory insurance of deposits of natural persons.Under the law, each depositor in the event of restrictions on the activities of the bank are guaranteed to receive the full reimbursement of the deposit, but the maximum - 700,000 rubles.
On 01.01.2014, the Bank operates as a part of 10 internal divisions in St. Petersburg and 1 - in Moscow.It founded the Moscow branch of the Bank "Banking House" in 2001 opened on 1 representative in Finland (Kotka).
database client offers a list of banking services that are not contrary to existing licenses.He may carry out the permitted operations with precious metals, foreign currency, the ruble.The main orientation of the target bank is retail banking, that is, the availability and the needs of a wide range of individuals and businesses in a variety of banking services:
- cash management services (CSC);
- loans;
- operations with bank cards;
- deposit operations;
- renting safe deposit boxes to customers.
Managing customer service personal management, development and implementation of individual financial transactions are under special control of the bank.As part of the exchange service bank continued providing services in the following areas:
- implementation of the currency control;
- management and settlement services to foreign currency accounts;
- exchange of currency;
- sale / purchase of non-cash currency at the expense of open currency position of the bank.
revenue sources
amount of income "banking house" for the first quarter 2014 are focused on four main areas:
- RKO;
- interest on loans;
- commission of foreign exchange operations;
- income from operations for the lease of safes.
credit and exchange operations occupy a leading position in the volume of total revenues "banking house."As part of the public service organization continues to provide services to individuals, such as opening bank accounts, their management, fund transfers without opening an account.
According to the report of the credit organization on 01/07/2014 financial results, total revenues amounted to 760.715 million rubles.After deducting expenses, taxes, liabilities profit amounted to 6.324 million rubles.
Policy Bank
One of the customer policy "banking house" is the formation of partnerships, even with the trust and the citizens and organizations.Bank readily supports mutually beneficial projects.
Managing customer service personal management, development and implementation of individual financial transactions are under special control of the bank.As part of the exchange service bank continued providing services in the following areas:
- implementation of the currency control;
- settlement services, including the maintenance of foreign currency accounts, payment transactions in foreign currency;
- cash currency transactions;
- sale / purchase of non-cash currency.
Reviews
If we analyze the Internet Bank "Banking House", customer reviews often neutral.With their tasks copes financial institution.Visitors are satisfied with the quality of service.On controversial issues the administration responds reasonably in the event of his being wrong corrects mistakes and apologizes.If a customer makes a complaint unjustified, he politely, explaining the reasons (on the basis of laws, contracts) explain an action of the company.Some visitors enjoy a homely atmosphere in the offices other than the deliberately strict conditions of large banks.
about working conditions in the organization "Banking House" reviews are standard for employees of such companies:
- Employees are impressed by the opportunity to start a job without a lot of experience.The Bank is perfect as a launching pad to start a career in financial institutions.
- and visitors, and a number of workers say friendly staff.
- Some workers say is not the highest in the banking sector and the need to pay a lot and work hard.
- Wish: in some offices to make cosmetic repair, upgrade office equipment.
Bank "Banking House": details
Bank's registered and actually located at the following address: 197046, Saint Petersburg, Malaya Posad, Building 16, lit.A pom.6H.Phone: (812) 4973698, (812) 6437714, (812) 4973705.
On 31.12.2013 the owners of the shares is:
| largest shareholders | shareholding in |
| joint-stock company "X-Markkinointi Oy" | 85,2% |
| Evgeny Lykov | 5,08% |
| Other shareholders (individuals) | 9,72% |
F. IO chairman of the bank - Astapova Tatyana Pavlovna.
Chairman of the Board of Directors - Lidia Ivanovna Romanova.
Conclusion
banking houses are inseparable from the global economic environment.The banking system of the Russian Federation, as well as all over the world, feeling the effects of the crisis, functioning in a special mode amid uncertainty, structural change, the emergence of new centers of international capital offshorizatsii financial flows, accelerating the migration of capital.Sanctions major powers injected more instability in the banking sector.
complicate the work of the consequences of not passing the global financial crisis, instability in Europe, the transition to the Basel standards.The domestic banking system is an objective behind the systems of developed countries.Causes of instability:
- economic growth tied to commodity exports.
- lack of clarity on which model to build the banking system.
- Lack of investment attractiveness of the sphere, including because of low capitalization.
- banking infrastructure is far from optimal development.
- continuing outflow of capital.
Perhaps banking houses due to the flexibility of management have some advantages in a number of banking sector when working with local communities and organizations of the region.Bank "Banking House" - proof.The company without consequences overcome the recent financial crisis in Russia.It is operating at a profit.Attractive interest rates on deposits and low input threshold allows people of any income to multiply their money.Important advantages - no hidden charges and clear terms of the contracts.
