Bank "Russian Capital": reviews

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

Bank "Russian Capital" is a large financial institution with about 140 offices and structural divisions in different regions of the country. The head office of the credit institution is registered in Moscow. The Bank positions itself as a universal credit institution serving corporate and private clients. It is currently a subsidiary of the DIA and is fully controlled by this state corporation.

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For the first time, Russian Capital Bank was registered in 1993 under the name Rokabank. During its operation, the credit institution has changed its name and legal form several times. Today it operates as PJSC JSCB Rossiyskiy Kapital.

During the banking crisis of 2008, the credit institution faced big financial problems and was forced to apply for reorganization. Initially, it was planned that the financial recovery would be carried out by the NRC. But for various reasons, Russian Capital Bank had to be sanitized by the DIA itself. As a result, it became a subsidiary financial institution of the statecorporations.

During the period since 2010, the DIA has attached several smaller credit institutions to Russian Capital. Among them:

• Bank "Tarkhany" from Penza;
• Samara Commercial Bank Potential;
• "Ellipse Bank".

Bank "Russian Capital" currently offers a full range of banking services for private and corporate clients. Among them: maintenance of current accounts, loans, card products, deposits and others. Work is actively carried out in the mortgage lending market.

Contributions

Bank "Russian Capital" accepts deposits of individuals in rubles, dollars and euros. Depending on the chosen program and conditions, the term of the deposit can be from 3 to 36 months.

A distinctive feature of the conditions offered by this financial institution is higher interest rates compared to other banks in which the state structures are a shareholder.

Credits

Russian Capital Bank offers various lending programs to individuals. You can get a consumer loan in cash, loans to purchase a car or a mortgage.

The Bank pays special attention to mortgage programs. For each category of clients, there are separate offers that allow you to purchase real estate on credit on the most favorable terms. A state-supported mortgage program is available, which allows you to get low interest rates for the purchase of economy apartments.class.

Customers who want to apply for a consumer loan also have several programs available with a variety of rates. The maximum loan term can be up to 15 years.

Services for legal entities

An important activity of Russian Capital Bank is servicing corporate clients. They are offered favorable conditions for opening and maintaining a current account, acquiring and collection services, salary cards for employees, corporate lending.

Convenient financial management is provided by the created client-bank system, which allows you to carry out current account transactions directly from the company's office without having to go to a branch.

Customer opinions

Bank "Russian Capital" reviews are mostly positive. This is no coincidence. At the moment, this is the only credit institution with state participation that offers rates on deposits and loans comparable to those of commercial banks. For convenient interaction of clients with a financial institution, an Internet bank is available for individuals, and a client bank for organizations. Russian Capital has a wide branch network, which also has a positive effect on the ease of use of services.

Many customers who have used lending services note the convenience of interacting with the bank. A large number of branches allows you to make monthly payments in a convenient place without any commissions. Also manynote the courtesy of the staff and quick service.

Among bank depositors, very often positive feedback causes the attention of employees to each client. At the end of the deposit term, in most cases, a call comes from the branch with a proposal to order funds for the expiration date or to select the conditions for a new deposit. This is not the responsibility of the bank, but simply good practice, which other near-government financial institutions generally do not differ in.

Over the years of its work, Russian Capital Bank has earned a sufficient number of positive reviews. Naturally, there are also clients with complaints, but the credit institution tries to solve problems as soon as possible.