2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Choosing a banking institution to store and increase your cash savings, as well as improve financial opportunities and housing situation is a serious matter, so you need to take it with all responsibility.
When choosing, you need to find out some information about existing banks - their age, reputation, image, size and ratings. It is also recommended to learn about the organizational process, reliability, quality of service, credit policy. And don't forget about customer reviews.
General information about banks
A bank is an organization that specializes in financial and credit operations and provides its services to the government, legal entities and individuals.
Today banks in Ulan-Ude are developing rapidly and provide their customers with new products. Customer service is available at 93 locations and 333 terminals.
Large (by the number of existing branches)are considered:
- Sberbank has only 33 offices.
- "Post Bank" - 10 offices.
- "Asian-Pacific Bank" in Ulan-Ude has 10 points.
- "Eastern Bank" - 8.
- Sovcombank - 8.
Sberbank, of course, leads in the number of positive reviews.
If you decide to invest or take a loan, then you need to pay attention to the reputation of the bank. Unfortunately, only 30% of users of banking products pay attention to this indicator. Further in the article we will talk about the activities of the "Asia-Pacific Bank" ("ATB"), about its advantages and disadvantages. It is worth noting that the organization has spoiled its reputation with the latest incidents with depositors - it is quite possible that this fact will become anti-advertising.
General information, history of "ATB"
This bank is one of the largest in the Siberian and Far Eastern regions. It is among the top 100 banks in the Russian Federation.
The bank has been operating in Russia for 26 years, since February 1992. Changed its name many times. In 2006, together with all organizational and legal changes, it was given the name "Asia-Pacific Bank", which still exists.
The number of personnel of this organization is more than 3,000 people, the activity of "ATB" is carried out in 108 settlements, covers 19 regions of the Russian Federation and has more than 200 branches. More than 880 thousandpeople.
In addition to additional and operational offices, there are branches of the bank in Ulan-Ude, Yekaterinburg, Moscow, Blagoveshchensk. Its assets amount to 108.7 billion rubles, and its own funds - 265.7 million rubles.
All existing products and services of banks for individuals and legal entities can be purchased at any branch. These include:
- provision of loans;
- mortgage processing;
- issuance of credit, debit cards;
- opening and closing deposits;
- various transfer and currency exchange operations;
- insurance;
- broker service;
- depository services, etc.
ATB strategy
In its work, the bank identifies the main areas for long-term development and for this purpose develops a strategy with the main tasks:
- build a reliable and leading universal bank in the Far East and Eastern Siberia;
- to develop and form competitive offers in a balanced way for both individual clients and small, medium, large businesses;
- provide a high level of service and effectively solve the economic problems of customers through high technology, as well as an in-depth understanding of consumer needs;
- ensure business profitability.
In order to achieve the above objectives, it is proposed:
- develop the bank to achieve a universal model;
- conduct cost-benefit analysis;
- develop remote channelssales;
- do needs analysis.
Branch Locations
The main office of the bank is located in Blagoveshchensk, Amur Region, st. Amurskaya, house 225. There are also 6 additional offices in the city.
Office opening hours:
- Monday to Friday: 9 am to 7 pm;
- Saturday: 10 am to 5 pm;
- Sunday: 10 am to 4 pm.
In Yekaterinburg, the branch is located on Lunacharskogo street, house 57. It works from Monday to Friday from 9 to 19. Saturday and Sunday are days off.
In Moscow, the branch is located at the address: Voznesensky lane, building 11, building 1. Add. offices 2 and 12 ATMs. Open from Monday to Friday from 9 to 18. Saturday from 9 to 17, Sunday is a day off.
Asia-Pacific Bank branches in Ulan-Ude, branches and terminals include:
- head office;
- 7 branches;
- 9 ATMs;
- 8 payment terminals.
The head office is located in Ulan-Ude.
Phones and addresses of the "Asia-Pacific Bank" in Ulan-Ude:
The head office is located on the street. Communist, 49
Asia-Pacific Bank branches in Ulan-Ude are located in different parts of the city:
- Zheleznodorozhny district - on the street. October, house 17;
- st. Stolichnaya, house 6;
- st. Gagarin, house 62;
- Octoberdistrict - st. Krasnoflotskaya, 40;
- st. Klyuchevskoy, house 25;
- st. Tereshkova, house 2;
- pr. Builders, house 42;
- Sovetsky district - st. Lenina, house 27;
- B altakhinov street, house 9.
Working hours of the Asia-Pacific Bank in Ulan-Ude
The main office of "ATB" is open from Monday to Friday - from 9 am to 7 pm. On Saturday it is open from 10 am to 4 pm. Sunday is a working day from 10 am to 3 pm.
All sub-offices work basically the same way. From Monday to Friday - from 9 to 19. With the exception of offices on the street. Gagarin, Stolichnaya and along Builders Ave. There offices are open from Monday to Friday from 10 to 19. And these offices do not work on weekends. Other branches are open on Saturdays and Sundays.
Mobile banking service
This bank service is designed to perform transactions without going to any branch.
This service provides the ability to make various payments, account transactions, pay for services, make transfers, etc.
New services provided for those who use mobile banking, for example:
- cashback - when viewing the card online, the amount of accrued discounts is displayed;
- visibility of banking products on the personal page and their balance;
- clarification of the accuracy of the addressee's details when making a payment;
- search for the right service providers -now, this can be done using the "Search" function;
- additionally added search by TIN;
- function for paying loans, now you just need to select the “Make a payment” section on the page containing information on it; and in the form that opens, there will be all the data for replenishment.
Registration for mobile banking service
In order to use the services of the bank online, you need to go through the registration process, as follows:
- come to a bank branch with an identity document;
- leave a connection statement.
Next, a message with login information will be sent to your mobile phone.
Latest news about "Asia-Pacific Bank" in Ulan-Ude
But recently there has been news that the bank has deceived its depositors. Let's look into this issue. The case of the deceived depositors of this bank in Ulan-Ude has reached the stage of litigation. The bank depositor, an elderly woman who had been saving money for 10 years, was deceived. According to her, she bought a promissory note in this bank in the amount of 289 thousand rubles, and as a result, she deprived herself of all her savings.
And on September 14, 2018, protesters gathered in the city center near the building of the Asia-Pacific Bank in Ulan-Ude - 10 deceived depositors with posters called on the bank administration to return their money.
"ATB" involved in its financial "pyramid" a very large number of residents of Siberia and the Far East. Across Buryatia suffered60 people for a total of 90 million rubles, and in Russia for 4.3 billion rubles. This was told by Sergei Bashkov, one of the protesters. According to him, ATB has been deceiving people for several years.
"Asian-Pacific Bank" in Ulan-Ude did not perform well. Says Sergei Bashkov, one of the owners of the bills:
"ATB Bank, together with an affiliated company owned by the same founders as the bank, sold promissory notes. Vdovin was directly the owner of the bank and he was also the founder of the FTK company. At one time, an unsecured loan was issued by the bank on the order of the former owner, and in return they offered the population the bills of the FTK company, which turned out to be unsecured and, moreover, signs of a financial pyramid were discovered by the Central Bank."
But, according to some journalists, they were given information that the company that issued the bills to the bank takes responsibility for the return of all funds. So far, this process will begin with payments to those who have passed the deadline for payment and amounts not exceeding 500 thousand rubles.
According to Vasily Pozdyshev, Deputy Chairman of the Bank of Russia, nothing changes in relations with the bank for ATB clients. The bank branch still holds 250 jobs that it hopes to keep going forward.
Not only in Ulan-Ude, but throughout the country since May 2018, bank employees began to refuse to receive interest from purchased bills, referring to LLC"FTK".
More than 3,000 promissory notes were sold in Khabarovsk and its regions alone. The main buyers were people of retirement age.
The latest court decisions oblige the bank to return to depositors the amounts spent on bills. It is also necessary to pay pen alties in favor of depositors. But they refuse to return the accumulated funds.
The head of the public organization Denis Lokantsev commented on this situation as follows:
We also submitted about 10 applications to the courts of Khabarovsk and the Khabarovsk region in defense of ATB depositors. They delayed it a little, as they were waiting for answers to requests to the Central Bank about the results of an internal audit that took place in the bank after the start of the reorganization procedure and the introduction of a temporary administration. In response, however, received only replies. However, now that there are positive court decisions in favor of depositors, there is hope that we will be able to achieve payments. Although, it is possible that ATB will try to appeal the decisions. After all, we are talking about multi-million dollar payments.
It remains only to wait and hope that the depositors will get their money back in full.
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