Our country has a huge number of banks - both very large and very small, little-known.However, the value is not always the best quality of service indicator, and offers favorable conditions, but does not exclude such a possibility.Many of solving the problem of choosing a credit institution governed by its "name", that is known.However, this is not the best way.Before you become a customer of a bank, you should carefully examine all the nuances of working with him, to know the rating, read the reviews of those who have taken advantage of its services.In this article, we suggest that you familiarize yourself with the organization, "the bank's growth."Reviews, ratings, terms of loans and deposits, as well as other information important to a potential customer, will be proposed and evaluated in the submission.Thus, we begin to get acquainted.
About the bank: history
"Bank Growth" brings the story of the two banks, which are formed by combining a new credit organization of the same name.Initially, there was a bank "Kazan", which operated in the market since 1994.That's when it opened its first contribution to the establishment of offices and retail banking.At the opening of the share capital of the company amounted to only 100 thousand rubles, and on the day of accession has been fixed at 1.675 billion rubles.
Over the years, the Bank was transformed into a joint stock company is continually evolving, increasing its assets, to expand the network of branches and offices across the country.And in June 2013 he assumed the role of "foster parent" by attaching joint-stock bank "Growth", which at that time had a share capital of 2.375 billion rubles and 30 billion rubles of assets.This event was very significant in the financial life of the country - was formed really powerful, large and stable credit institution with an extensive branch network and impressive financial performance.
Bank today
credit organization "Bank Growth" acts on the basis of the General license of the Bank of Russia on the whole territory of the country with the location of the head office in Moscow.Its distinctive feature is a reasonable conservative strategy related to the work only in the real economy and the main source of income was and still is lending to this sector, as well as services.With the recent merger of capital and assets of the bank increased its funding opportunities and providing loans.According to the statement of the credit organization of its main values are the interests and needs of the clients, and all the relations are based on long-term cooperation.A significant advantage, and it is the pride of reliability, proven over the years.
main beneficiary of the bank currently stands Elena Vlasova (even in 2012 it acquired the bulk of the shares of "Kazan"), which owns approximately 50.5% of the shares.The rest of a substantial part in the hands of the other four shareholders - Anatoly Golden and Valentina Aleksashin (approximately 16.6%), Elena Tarasova and Elena Kossovo (8% each).President of the bank is Artem Henkin, and chairman of the board of directors - Vsevolod Morozov.
"The growth of the Bank" has correspondent relations with major Russian ("Rosbank" "Uralsib") and foreign (Commerzbank, Dautsche Bank, VTB Bank, and others.) Credit institutions.He is a member of the Association of Russian Banks, the Moscow International Currency organization involved in trading foreign exchange market ZAO "MICEX Stock Exchange" and OAO "Moscow Exchange".
positions and rankings of bank
Today JSC "The growth of the Bank" is in the top 100 largest credit institutions in Russia.This is a very important confirmation of the reliability of the proof of the bank's capacity to meet the needs of its clients in the financial and credit services.Joining the organization in this list due to a number of principles of its daily work:
- rather conservative investment and lending policies;
- work mainly with the real sector of the economy;
- combination of individual approach to innovation in customer service;
- availability of products and services of the bank;
- openness for partners and customers;
- competent risk assessment.
Today we can observe an adequate loan portfolio with good quality, which is due to compliance with these strategic principles formed during the years of its existence, "the Bank of growth."Credit rating assigned to it by the agency "Expert RA" in 2014, was upgraded to "A +" (very high) with a forecast of "developing."According Standard & amp;Poor's bank received long-term credit rating of 'B-' and short-term "C" with "stable" forecast.Both agencies expressed about the quality of the credit portfolio of the organization positively rate it highly enough.This gives reason to believe that the organization is stable and trust her the money can be.Many people make contributions or loans to decorate the branches KO "Growth in the Bank."Reviews Experts predict a steady and orderly development of the organization and strengthening of positions in the financial services market.
Interestingly, the bank has its honorable position in the regions.Thus, the branch of the organization "Bank of Growth" (Rostov-on-Don) won first place in the competition held by the Guarantee Fund of Rostov region.He was held in August 2013 and has been associated with the provision of fund guarantees on loans to small and medium-sized businesses.Estimated interest rates, terms and reliability of the organizations themselves.The victory was signed in the amount of 20 million rubles, which received the "Bank of Growth" (Rostov-on-Don) for lending to the real sector.
Services Bank
Like most of the credit institutions, the Bank offers its customers a full range of standard financial services.It takes the "Bank Growth" deposits, grants loans to private and corporate clients, medium and small businesses, provides cash management and custody services, provides guarantees, working with letters of credit, leading salary and other projects.A full list is quite wide.Some of them operate on the entire territory of our vast country, certain specific services offered only "growth of the bank" -Moscow (eg, associated with interbank lending).
most interesting are the vast number of the population of the conditions of deposits and lending opportunities.It is to them we dwell.
Contributions: types and conditions
Simplicity and convenience - important criteria of all the products offered by "Bank of growth."Contributions - proof of this.The credit organization, there are two basic types of investments for private clients.It rates "free growth" and "maximum growth."Let us consider each of these conditions.
Free
The first is a kind of wallet with "drip" on a percent.What does it mean?The contribution of the open demand, and withdrawal does not affect the interest rate.To update the account, as well as to carry out withdrawals, at any time.This minimum balance is fixed (10 thousand), and interest rates - high enough to contribute to such conditions.The maximum amount of this rate - 30 million rubles, or one million dollars (which does not limit the ability of customers).Term of deposit - from three months to one year with option to renew the contract.Percentage - is relative and is determined depending on the duration and the amount of down payment (up 9.2%).
maximum
If you do not plan to withdraw money during the term of the deposit, it will be advantageous to use the contribution "maximum growth."At this rate the bank offers the best interest rates to their capitalization.Additionally, there are favorable conditions for the early termination of the contract.Like the previous one, this contribution can also be replenished during the validity period.Regarding percent, then they reach 10.5% in rubles and 4.5% in the currency.There are also substantial differences in the amounts and timing.Thus, the minimum fee is lower, and 3000 rubles, and the term of the deposit is extended from one month to three years.
on the bank's website has a handy calculator on which anyone can calculate the percentage of the deposit, depending on the planned amount and term.In addition, for the depositors of the bank provided opportunity for individual and priority service.The first is provided by investing in the amount of 4.5 million rubles and includes special conditions for banking services, a personal manager, VIP offices and so on.Second - if the contribution in the amount of 1.5 million rubles.In both cases, the client receives a lot of very nice benefits.
Loans: Cash
Private clients "Bank Growth" provides loans at a very large sum - up to two million rubles.Reasons to issue loans is here formed by employees of the organization and can be expressed in four words:
- honest - no hidden fees;
- profitable - very low interest rates;
- quickly - a decision on the application is made within two days;
- simple - documents kept to a minimum (required only a passport).
On what conditions can expect to potential borrowers of the bank?As mentioned above, the maximum loan amount is two million rubles, the minimum - 30 thousand.The money can be taken for up to five years (or pay and six months).It is possible to early repayment without any restrictions.The most interesting - the percentage.It can be set at 17%, lower than that of similar products in many other banks.Annuity payments, the date of implementation you choose yourself.
with the terms understood.Now you need to understand how the bank sees its borrower.The standard requirements - age 20 to 65 years, the availability of work experience of at least three months, preferably declarative proof of income (it increases the chances of loan approval and receiving a greater amount of the loan).Car loans
previous version of credit for those who are planning to use the money for personal or household purposes, such as for a trip to the sea or to repair.If your dream is a new car, it is best to use a special product.The car loan is attractive, decorated in "Growing Bank"?Reviews car owners who have benefited from this service, describe a very bright conditions of its provision.Firstly, this is the minimum set of documents (needed only a passport and profile) and the opportunity to make an application without a visit to the bank.Second, low-interest - from 8.9% in the absence of other fees.The amount for which you can expect up to 10 million rubles, and the period is extended to 7 years!This consideration of the application takes no more than two hours, even more closer to the coveted purchase borrower.
To take advantage of the credit, you must arrange private insurance (in three categories), have Russian citizenship, and up to age 55 years.In this product you can buy commercial vehicles and special equipment.
affordable mortgage
Today, there are some interesting programs for the acquisition of property, which offers a "growth of the bank."Mortgage, decorated in the credit institution, the following criteria:
- convenience;
- accessibility;
- simplicity.
Borrowers who plan to buy an apartment in the mortgage may be eligible for the rate of 8.5% per annum.At the same housing in new buildings provided 100% installment making a down payment.As such, allowed to use the maternity capital.In the "growth of the bank" borrowers are invited to participate in programs with state support, among them - "Young Scientists", "Military Mortgage" and others.It is also possible to take the mortgage program AHML.Any transaction with the client's request will be accompanied by a personal mortgage manager.
use a special calculator on the website of the bank, it is easy to calculate the advance estimate of costs associated with registration of the loan, as well as to know the approximate monthly payments depending on the term and amount of the loan.As an example, a loan of one of the most popular programs - "Resellers".At a cost of apartments in 4 million rubles, and an initial contribution of 30% of the amount borrowed funds amount to 2.8 million rubles.We enter the data into the calculator and monthly gross household income - for example, 80 thousand rubles.If you arrange a mortgage for 20 years, the rate will be 13.35%, and the monthly payment - 33.5 thousand.If you use in this case, the state program AHML, the percentage of mortgages will drop to 11.85%, and payments decreased to 30.5 thousand.By changing the original data, you can choose for themselves the most appropriate credit conditions.
Bank cards: features
Which bank today do without plastic cards?It is unlikely that such exists."The growth of the Bank" also has its own interesting developments in this segment.Debit cards are issued, due to the conservative policy of the bank.However, they have a number of interesting advantages.Thus, the balance of the map you will bear interest at a rate of 2-4% per month.You can pay her almost every country in the world, and the conversion of funds carried out the most profitable way - at the rate of the payment system.
Cards are available in different categories - by Electron to Infinite and Platinum, has a stylish design, as well as provide opportunities for discounts on car rentals and hotel reservations (in the framework of a special system of privileges).With them you can make purchases on the internet, pay for mobile and fixed communications, Internet providers, television and so on.Credit organization "Growing Bank" ATMs are available in all the cities of presence.In addition, withdraw cash from the "privileged" by the Commission (0.8%) is possible through the AVM Bank "Uralsib".
Useful information for customers
Today "Growing Bank" has branches in 74 Russian cities, but continues to build a network of branches and offices in the regions.Get the advice of specialists and become a client of the credit institution may be a Russian citizen residing in any locality.
To find detailed information about products of the bank, its services and financial activities, there is an organization "Growing Bank 'official site, which is located at www.rostbank.ru.It comes in a sleek, modern design and yet differs significantly from the resources of other credit institutions.Here you can find information about the bank: information about the history of its establishment and operation, see ratings of different agencies, financial information, to learn about the bank products and the conditions of their provision, use calculators deposits and loans, as well as receive other information about the "Bank Growth"(details, contacts, partners, and so on.).Also on the site of a credit institution in the top left corner there is a link to the Internet Banking ("Kiberbank"), on which you can log into your personal account to check the bills or make any financial transactions.
for rapid communication with specialists KO "Growing Bank" Set your phone in the most prominent place in the upper part of the site.Hotline for free calls - 8 (800) 250-88-88 for cooperation and offers available Email - [email protected] location of the main office of the company, "the bank's growth" - Moscow.Total in the Moscow region were thirteen - one central and twelve more.The site of "The growth of the Bank 'office address in your town, you can find out by going to the top right hand corner of the town and open the tab" Contact ".Here you can find the landline number of the bank branch.The central office is located in Moscow Stanislavsky Street 4/1.
gaze from customers
course, each bank there are both grateful clients and dissatisfied than ever.At the moment, the national rating of KO "Growing Bank" is 50.4% from 100%.This is certainly not the best indicator, but not bad.Based on 28 reviews and ratings 13 bank today is ranked 17th out of 225 (according to the site banki.ru)!This is a positive situation and talks about a very successful operation of the credit institution, attentive service specialists and high level of service.
To some imagine, than satisfied, and that the bank's customers have complained, see some of the reviews left by them.
