2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Banking houses have become equal members of the Russian banking system. They represent a commercial, acceptance or other banking enterprise owned by a particular banker, or a partnership of bankers with unlimited liability.
Fields of activity
Gradually, banking houses (DB) evolve into joint-stock companies, merge with international banking associations, concerns. Headquarters of financial groups are created on their basis. Their field of activity is extremely wide. In addition to basic banking services (loans, deposits, currency exchange, card processing, money transfers), the DB is actively involved in stock speculation, insurance, trading in raw materials, precious metals, mediation, design and consulting work, loans, issuing and founding activities and other financial transactions.
CJSC "Bankirskyhouse"
According to the issued license No. 2928 (2003-19-12), the bank has the right to:
- Attract funds from individuals in foreign currency, rubles for placement in deposits.
- Place, attract deposits of precious metals.
- Conduct banking operations in foreign currency, rubles (without the right to attract funds from individuals to deposits).
One of the largest databases in St. Petersburg (not to be confused with the Russian Banking House), the bank is a credit institution registered on June 27, 1994. State registration number: 1027800011524. The authorized capital is 3,670,340 rubles.
Main activity
"Banking House" is a bank that carries out a variety of banking operations on the territory of the Russian Federation. It is a member of the All-Russian program of compulsory insurance of deposits of individuals. According to the law, each depositor in case of restriction of the bank's activities is guaranteed to receive a full payment of compensation on the deposit, but a maximum of 700,000 rubles.
As of January 1, 2014, the bank has 10 internal structural units in St. Petersburg and 1 in Moscow. The Moscow branch of CJSC JSCB "Bankirsky Dom" was founded in 2001. 1 representative office was opened in Finland (Kotka).
Clients DB offers a list of banking services that do not contradict existing licenses. He has the right to carry out permitted operations with precious metals, foreign currency, rubles. The main target orientation of the bank is retail service, that is, the availability andmeeting the needs of a wide range of individuals and enterprises in a variety of bank services:
- settlement and cash services (RKO);
- loans;
- operations with bank cards;
- deposit operations;
- lease safe deposit boxes to clients.
Management of client funds, personal management services, development and implementation of individual financial transactions are under the special control of the bank. As part of foreign exchange services, the bank continued to provide services in the following areas:
- implementation of currency control;
- maintenance and settlement services of foreign currency accounts;
- cash currency exchange;
- sale/purchase of non-cash currency on account of the bank's open currency position.
Sources of income
Banking House's revenues for the first quarter of 2014 are concentrated in four main areas:
- RKO;
- interest on loans;
- commission for foreign exchange transactions;
- Income from safe deposit rental operations.
Credit and exchange transactions occupy a leading place in the total income of the Banking House. As part of its work on servicing the population, the organization continues to provide individuals with services such as opening bank accounts, maintaining them, transferring funds without opening accounts.
According to the report of the credit institution on 1.07.2014 on financial results, total income amounted to 760,715,000 rubles. Afterdeducting expenses, taxes, liabilities, profit amounted to 6,324,000 rubles.
Bank policy
One of the areas of the banking house's client policy is the formation of partnerships, even trusting relationships with citizens and organizations. The Bank willingly supports mutually beneficial projects.
Management of client funds, personal management services, development and implementation of individual financial transactions are under the special control of the bank. As part of foreign exchange services, the bank continued to provide services in the following areas:
- implementation of currency control;
- settlement services, including maintaining foreign currency accounts, settlement operations in foreign currency;
- cash transactions;
- sale/purchase of non-cash currency.
Reviews
If you analyze the bank "Banking House" on the Internet, customer reviews are often neutral. The financial institution copes with its tasks. Customers are satisfied with the quality of service. The administration responds to controversial issues with reason, in case of being wrong, corrects mistakes and apologizes. If the client unreasonably makes claims, he is politely explained to him with an explanation of the reasons (on the basis of laws, an agreement, a contract), one or another action of the company. Some visitors like the homely atmosphere in the branches, which is different from the deliberately strict environment of large banks.
On working conditions in the organization "Banking House"employee reviews are standard for such companies:
- Employees love the opportunity to get started without much experience. The bank is a great place to start a career in financial institutions.
- Both visitors and a number of employees note the friendly staff.
- Some employees say not the highest salary in the banking sector and the need to work hard and hard.
- Wish: make cosmetic repairs in a number of offices, update office equipment.
Bank "Banking house": details
The Bank is registered and actually located at the following address: 197046, St. Petersburg, Malaya Posadskaya street, 16, lit. Ah, pom. 6H. Phones: (812) 4973698, (812) 6437714, (812) 4973705.
As of December 31, 2013, the shareholders were:
The largest shareholders | Shares in authorized capital |
Joint-Stock Company "X-Markkinointi Oyu" | 85, 2% |
Lykov Evgeny Nikolaevich | 5, 08% |
Other shareholders (individuals) | 9, 72% |
F. Acting Chairman of the Board of the Bank – Tatiana Pavlovna Astapova.
Chairman of the Board of Directors of the Bank - Romanova Lidia Ivanovna.
Conclusion
Banking houses are inseparable from the global economic environment. The banking system of the Russian Federation, as well as the whole world, is feeling the consequences of the crisis, functioning in a special mode against the backdrop ofuncertainty, structural changes, emergence of new international centers of capital, offshorization of financial flows, acceleration of capital migration. The sanctions of the major powers are fueling additional instability in the banking sector.
The work of the system is complicated by the consequences of the ongoing global financial crisis, instability in Europe, the transition to the Basel standards. The domestic banking system is still objectively lagging behind the systems of developed countries. Reasons for instability:
- Economy growth tied to commodity exports.
- Lack of clarity on which model to build the banking system.
- Insufficient investment attractiveness of the sphere, including due to its low capitalization.
- Banking infrastructure is far from optimal development.
- Continuing capital flight.
Perhaps, due to the flexibility of management, banking houses have some advantages in a number of banking areas when working with the local population and organizations in their region. Bank "Banker's House" is a confirmation of this. The company got through the recent financial crisis in Russia without consequences. Works for profit. Attractive interest rates on deposits and their low entry threshold allow people with any income to increase their funds. Important advantages are the absence of hidden fees and clear terms of contracts.
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