National Russian Commercial Bank: services, reviews and offers

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

The National Russian Commercial Bank is considered one of the first organizations in Russia to start lending to residents of the Crimean peninsula. Many banks are still afraid to issue such loans. They require proof of income and various certificates. RNKB offers loans and deposits for all categories of citizens at the most optimal interest rates and conditions.

About the bank

This company is one of the largest regional banks in terms of assets. Carries out its activities in the Republic of Crimea. At first, the company was a subsidiary of the Bank of Moscow, but in 2014 RNKB entered the Crimean market and became an independent bank. From that moment on, the organization became the first Russian bank on the territory of Sevastopol and Crimea.

The work of the bank is mainly aimed at lending and servicing legal entities and individuals, as well as attractingfunds for deposits. The sources of income of the bank are mainly divided into deposits of individuals and funds of organizations and enterprises.

The bank was registered in 1991, and in 1997 it became an OJSC. Today, KER LLC is considered the main shareholder of the bank.

The main office of the credit institution is currently located in Simferopol. But what about Moscow? The Russian National Commercial Bank now has only one branch in the capital (the main office used to be at 9 Krasnoproletarskaya Street).

Services offered to individuals:

• Settlement and cash services.
• Various contributions.
• Credit cards.
• Loans for consumer needs.
• Broker service.
• Money transfers.
• Individual safe boxes.

Corporate clients offered services:

• Settlement and cash services.
• Broker service.
• Lending.
• Acquiring.
• Documentary transactions.
• Cash collection services.
• Deposits.

Russian National Commercial Bank: loans

It is quite easy to get a loan from the RNKB for any purpose. The bank has a lot of loan products that are issued for all categories of citizens at 24%. One of the main conditions for the organization is that the client has an RNKB bank card, to which wages or pensions are credited. For persons who do not have this card, a loan is issued at 25.9%. With a maximum amount of 500,000 thousand rubles. Amount more organizationoffers to issue to the heads of companies operating on the territory of the peninsula. The maximum rate in this situation will be equal to 21% for a payment period of up to 3 years.

Bank loan products:

• "Just a loan". A consumer loan, which is available to employees of enterprises receiving wages on RNKB cards. The loan is issued up to 1 million rubles. up to 5 years. There is no collateral or guarantee for the loan.
• "Pension loan". A loan available to pensioners receiving a seniority or age pension on RNKB cards. The age of the borrower must be no more than 65 years. The amount is issued up to 300,000 rubles, for a period not exceeding two years. There is also no guarantee or pledge.
• "Just a loan to state employees." The loan is available to civil servants, law enforcement officers, public sector employees, government agencies and enterprises.
• "Just a loan to military personnel." Credit offered to military personnel.
• "Just Credit Prime". A favorable loan is available to heads of organizations and enterprises.

National Russian Commercial Bank: deposits

In the bank, deposits for individuals are issued at different percentages. The main terms of cooperation are prescribed in the contract. The deposits of organizations provide for both capitalization and withdrawal of accumulated funds every month. The interest rate depends on the currency in which the deposit is opened. If it is opened in rubles, then the rate will be much higher. RNKB for pensionersoffers a separate deposit at an increased interest rate. To open this deposit, you need to provide a pension certificate.

All RNKB deposits are insured in the deposit insurance system. The maximum interest rate is 11%.

NRKB reviews

To date, the bank has opened 229 operational offices. NRKB has more than 3,000 employees. The bank services more than 40,000 enterprises and more than 1 million individuals.

In 2015, the number of Russian National Commercial Bank's clients increased many times over. This was influenced by the availability and adequacy of the offered credit products and deposits. Reviews about the services and work of the bank are mostly only positive. Clients are grateful for the competent and professional service of employees, as well as for the availability of loans for all segments of the population.

Ratings of NRKB OJSC

In the "TOP-50" the National Russian Commercial Bank ranks 45th (according to the Information Favor Index).

In the rating of bank reliability, the organization is in 129th place, as well as in terms of net assets.

RNKB ranks 145th in terms of capital rating and 124th in terms of individual deposits.

The bank ranks 434th in the credit portfolio rating.

Every year the National Russian Commercial Bank tries to improve. Lending programs for clients from year to year are becoming more diverse, as well ascontributions to choose from. Borrowers are satisfied with the fast and efficient work of the bank, and depositors are grateful for the worthy cooperation.