Bank Levoberezhny: reviews

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

There are banking institutions in Russia that have been present on the market since 1991 - as soon as the entire credit and financial system as a whole began to emerge. These entities, as a rule, have a stable management model, well-established contacts, a wide client base and fairly high-quality products that are in demand on the market.

One of these is the Levoberezhny bank operating in the Siberian region. It is quite well known there, as it has a wide network - 19 offices, 7 offices for issuing loans, as well as more than 100 ATMs and terminals.

As part of this article, we will describe what this institution is, at what level services are provided here, what they can offer the client, and so on.

Achievements

Let's start with the awards and ratings in which this institution was positively noted. To see the situation more objectively, we take into account only those achievements that were obtained in 2015. So, the Rusipoteka analytics center, creating a rating of the most advanced banking institutions involved in issuing mortgages, placed Levoberezhny Bank (Kemerovo) in 33rd place. In another perspective - in terms of the volume of the loan portfolio - an authoritative publication (RIA Rating) determined the describedin the article bank on the 120th place. In terms of total assets, the same agency ranked Levoberezhny in 136th place. Finally, the Moscow Stock Exchange placed the bank in the 35th position in the category "Leading Trading Operators".

As you can see, this institution has some achievements, which are supported by market leadership and the widest customer base.

Deposits

Deposits are a favorite banking instrument of people who know how and love to save money. Levoberezhny Bank offers about 10 types of deposits - they all differ in currency, minimum investment amount, interest rate and other conditions (opportunities to replenish, withdraw money, open via the Internet). Each client, depending on what interests him, can choose the best deposit for himself and keep money in this bank. Examples of investment plans: “Investment” (minimum for investment is 10 thousand, 12% per year is accrued on the deposit, the depositor has the opportunity to issue it via the Internet bank and, in addition, make replenishments); “Favorite” (minimum - 50 thousand, from 10.5 to 11.5 percent of profit per year, an additional 7% is credited to the “Wallet” account). There are also plans for pensioners, for children, deposits in foreign currency, demand deposits.

Credits

Since the described institution accepts investments, respectively, the Levoberezhny bank can issue a loan at several rates, depending on whether the client is a regular hereuser or comes for the first time. The means of payment through which the client will receive borrowed funds also plays a role - this is a credit card, a simple client card or some other form.

In the case of lending, the bank divides customers into categories. So, these are salary card holders, pensioners, new customers who want to get a “credit card”, customers with a positive credit history, employees of companies that are partners of the bank. Accordingly, the conditions for issuing loans for each of these categories are different. Although the Levoberezhny Bank puts the same interest in different branches. Novosibirsk, Kemerovo or Barnaul - regardless of where the branch of the institution is located.

Other products

In addition to lending and depository activities, the bank also conducts a number of other operations. In particular, this is a currency exchange, issuing bank cards, opening accounts for savings, opening a mortgage for the purchase of real estate, providing private services remotely, placing valuables in bank safes, and so on. All this allows the client to work with the same bank, regardless of the service that he needs.

Customer Reviews

The overall list of opportunities that the institution provides to its clients is, of course, good. But you can understand how a particular bank works only after reading real customer reviews. And this can be done on specialized resources, for example, on the forums of depositors and borrowers. What are we anddone in order to understand what Levoberezhny Bank is.

Novokuznetsk or Kemerovo, Barnaul or any other city where the branch of the office we are interested in is located, it does not matter - the site with reviews contains recommendations from people from all over the country. And from them you can find out, for example, that in some branches customers are offered to exchange currency for 5 rubles cheaper, but without a queue; in others - they delay the payment of interest on the deposit; and somewhere they threaten after issuing a loan. All these negative reviews were left by those who were dissatisfied with the service at Levoberezhny. In fact, there are many such recommendations: somewhere the bank employees are to blame, in some situations the fault lies with the client.

At the same time, there are also positive characteristics - the operations that interested the client were carried out successfully, and in the end the visitor of the branch was satisfied.

That is, in fact, it is impossible to definitely say that in this institution you will be served “at the highest level” or “terrible”. Perhaps it all depends on the people the client encounters.

Employee reviews

Also interesting in order to understand how the bank works, will be feedback from employees. On them you can see the work of any company from the inside. Positive characteristics of employees indicate, for example, a friendly team, interesting work, a good schedule, and a developed corporate ethics in the bank. Although there are negative reviews that talk about rudeness on the part of the authorities, the work is notlabor, and under a civil law contract (which means a lower degree of protection of the interests of the employee), salary “in an envelope” (when the minimum wage is officially paid, but in reality the employee receives a completely different amount). Judging by the reviews, all this is also present, so the working conditions cannot be called ideal. But there is stability, the possibility of growth and, in the end, experience.