Promsvyazbank: reliability rating

Many people have heard about a financial institution called "Promsvyazbank". The rating of the best banks in Russia calls it one of the most reliable. And this is a fact. However, it is worth to talk in more detail about this organization and everything that concerns it.

general information

What should I start with when I talk about a credit institution like Promsvyazbank? Rating is the first thing that potential customers are interested in, and this is important, but first, a couple of words about the organization itself.

So, this Russian bank is private. Its full name reads as follows: "Public Joint-Stock Company Promsvyazbank." It is often possible to see the abbreviation PSB.

If you believe the official information, the client base of the bank consists of approximately 100,000 entrepreneurs and two million individuals. It has more than 300 points of sale and about 8 500 ATMs. Plus, there are about 200 self-service terminals. The services of this bank are offered in 88% of the territory of the Russian Federation. What is important is that the organization has branches in Ukraine, Kazakhstan, India, China and Cyprus. Three years ago an office in Switzerland was opened, and in the plans for the bank to start work in the PRC, or more precisely, in Hong Kong.

A bit of history

Promsvyazbank, whose rating is very high, was founded in Moscow on May 12, 1995. Initially, the organization's customers were telecommunications companies. But it developed dynamically, so that in a short time (already in 3 years) the bank took its place among the hundreds of the best in terms of assets. And in 2005 he rose to the 15th line. Since that moment, Promsvyazbank, whose rating has grown significantly over the 10 years of the financial institution's existence, has started to develop even more actively. He began to turn into a "universal" organization. Already in 2007, he had his sales points in 100 settlements of the Russian Federation.

The bank became so popular that in 2005, in September, a Slovenian organization called Nova Ljubljanska Banka acquired its share of 7.69%. True, a year later the owner bought this part back. And after a while, 15.32% has already been sold to the organization Commerzbank. And in 2007, the PSB ceased to be a closed joint-stock company, having changed its status to OJSC.

But the most interesting is that at the height of the crisis of 2009, he entered the TOP-rating of banks. Promsvyazbank has become one of the most reliable in the whole of Russia. He took fourth place in this TOP.

Assets

In many ways, how good a bank is, is determined by the size and volume of its resources. Which, strictly speaking, are assets. Take, for example, a bank called "Elbin". Hardly heard about him many. Which is not surprising, because he is on the 549th, the last place in the Russian rating of banks! And its assets (the same resources) are only 830,750 thousand rubles. Not very much, if you recall that the net worth of Sberbank, which is known to absolutely every person, is 3.2 trillion. And assets even more - 27.3 trillion! The figure is quite difficult to perceive. But it's enough to just say that it's 27.3 times a thousand billion. Is it impressive? Go ahead.

Promsvyazbank also boasts solid assets, its place in the rating is on line 9 (according to data for November of the current year, 2016). His assets are 1.2 trillion. Own capital - 123.44 billion. And these figures just can not fail to impress. And the fact that most of these funds are made up of the investments and investments of the organization's clients is the best proof of its reliability.

news

It is not surprising that the rating of Promsvyazbank for reliability is high. The fact that he is good, literally means everything. Take, for example, the recent news, which appeared in early December 2016. It became known that Promsvyazbank became one of the top three financial organizations in the premium service segment. The results were announced by Frank Research Group. This is the leading research company in the field of financial services analysis.

It is worth noting that the evaluation of the level of service and the quality of remote banking services, various privileges, investment proposals and other criteria were taken into account. The head of the department for work with wealthy clients assured that "Promsvyazbank" pays special attention to the premium segment and the development of the business direction. And since people value personal service, although they use remote channels, the organization decided to open new zones for them. In 2017 it is planned to create them in other Russian cities, not only in Moscow and Moscow Region.

Interesting to know

Talking about the rating of Promsvyazbank on reliability, I would like to say that not so long ago this organization became the laureate of the award called SPEAR'S Russia Wealth Management Awards. And this is an important fact. As this award, the ceremony of which is held annually, is given to the best representatives of private banking, whose activities are connected with the management of large capitals.

This award is a real recognition of the effectiveness and success of the organization. And the confirmation of their high level of professionalism.

Interest rates

It's not for nothing that such a company as Promsvyazbank rated the CBR as one of the top ten. This organization cares not only about wealthy clients, but also about all people who apply to it for services. Recently, for example, "Promsvyazbank" has decided to reduce interest rates on loans. For small businesses, they are now 9.4%, and for the average - 8.3%. For comparison, one of the most profitable offers of Sberbank is "Business Invest", and on it the annual rates are from 11.8%. Looking at the difference, it becomes clear: the senior vice-president of Promsvyazbank was right, saying that their company offers the best conditions in the financial market for entrepreneurs.

Work with individuals

Many people are interested: how good is Promsvyazbank in terms of services provided to ordinary citizens? Still, not everyone in our country is a wealthy person or a business owner. Well, in the work with individuals this organization succeeded.

As an example, you can consider such a service as "A solid percentage". It is beneficial to people who want to invest somewhere their money and increase their income. For a person opens an account, to which he puts a certain amount for a particular time period. The rate is 8.25% per annum. A further 0.25% may be added, if the person owns the Orange Premium Club service program or your PSB Premium.

Let's say a client decided to open a "Solid Percentage" deposit by putting a million rubles into the account. At the end of the term (1 year), he will receive these funds back, plus a profit of ~ 83,000 rubles. And if you invest more? Then, at all, a good passive income will turn out.

Mortgage

The credit rating of Promsvyazbank is an interesting topic, so it's worth taking a closer look at. In our time, the most popular type of loan is a mortgage. And many make out it in Promsvyazbank. Why? But because the organization offers favorable conditions.

You can buy an apartment in a new building, taking a mortgage at 10.9%, and even with government support. What are the advantages? Firstly, the declared rate is valid for the entire term of the loan, but in the event that people use the services of partner developers. Secondly, the initial contribution is only 20%. That is, if a person wants to buy a one-room apartment for 2,000,000 rubles, then he will have to pay initially only 400,000 rubles. Thirdly, the bank does not take any additional fees for issuing a loan and offers early repayment without penalties and restrictions.

And the most important advantage is the transparent and a few requirements to the client. Citizenship should be Russian, age - from 21 to 65 years on the date of return. A residence permit or a permanent place of work is also in the Russian Federation. Work experience - at least a year. And in the last place - 4 months. It is acceptable to involve a co-borrower, but they can only be a legitimate partner (husband / wife). And if the loan is taken by a man, then he should not be subject to an appeal. That's all. The conditions are as simple as possible - this is the main reason why many people make out a mortgage at Promsvyazbank.

Finally

And as another proof of the reliability of Promsvyazbank, I would like to say that this summer the Internet bank of this organization was recognized as the best in all of Russia. The research was conducted by a magazine called Global Business Outlook. This business publication annually arranges awards ceremonies in various nominations of the sphere of economic business activity. And Internet Bank PSB was recognized as the most reliable and best. After all, it is used by every fourth client of the organization.

By the way, in the middle of the spring of this year, the PSB presented a new Internet bank to people. Changes were not only in design, but in filling. Added useful features, and the most popular operations, which clients use most often, became available in a single click.

In general, as can be seen, there is a mass of evidence of the reliability of the PSB. The most obvious is the size of assets and the place in the rating of the Central Bank. Already in what, and in these facts, there is no doubt.