Promsvyazbank: reliability rating

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

Many people have heard of a financial organization called Promsvyazbank. The rating of the best banks in Russia calls it one of the most reliable. And this is a fact. However, it is worth talking in more detail about this organization and everything that concerns it.

General information

Where should I start when talking about such a credit institution as Promsvyazbank? Rating is the first thing that interests potential customers, and this is important, but first, a few words about the organization itself.

So, this Russian bank is private. Its full name is as follows: "Public Joint Stock Company Promsvyazbank". Often you can still see the abbreviation - PSB.

According to official information, the bank's client base consists of approximately 100,000 entrepreneurs and two million individuals. It has over 300 points of sale and about 8,500 ATMs. Plus, there are about 200 self-service terminals. Services of this bankare offered on 88% of the territory of the Russian Federation. What is important - the organization has its branches in Ukraine, Kazakhstan, India, China and Cyprus. Three years ago, an office was opened in Switzerland, and the bank also plans to start working in China, or to be more precise, in Hong Kong.

A bit of history

Promsvyazbank, which has a very high rating, was founded in Moscow on May 12, 1995. Initially, the organization's clients were telecommunications companies. But it developed dynamically, so that soon (after 3 years) the bank took its place among the top hundred in terms of assets. And in 2005, he climbed to 15th line. Starting from that moment, Promsvyazbank, whose rating has grown significantly over the 10 years of the existence of a financial institution, began to develop even more actively. It began to turn into a "universal" organization. Already in 2007, he had his points of sale in 100 settlements of the Russian Federation.

The bank became so popular that in 2005, in September, a Slovenian organization called Nova Ljubljanska Banka acquired its 7.69% stake. True, a year later the owner bought this part back. And after some time, 15.32% was already sold to Commerzbank. And in 2007, PSB ceased to be a closed joint stock company, changing its status to OJSC.

But the most interesting thing is that at the height of the 2009 crisis, he entered the TOP rating of banks. Promsvyazbank has become one of the most reliable in all of Russia. He took fourth place in this TOP.

Assets

In many ways, how good a bank is is determined by the size and volume of its resources. Which, in fact, are assets. Take, for example, a bank called Elbin. Not many have heard of him. Which is not surprising, because it is on the 549th, last place in the Russian rating of banks! And his assets (those very resources) amount to only 830,750 thousand rubles. Not very much, if we remember that the equity capital of Sberbank, which is known to absolutely every person, is 3.2 trillion. And there are even more assets - 27.3 trillion! The number is hard to grasp. But suffice it to say that this is 27.3 times a thousand billion. Impressive? Let's move on.

Promsvyazbank can also boast of solid assets, its place in the rating is on the 9th line (according to data for November of the current, 2016). His assets are 1.2 trillion. Net worth - 123.44 billion. And these figures simply can not fail to impress. And the fact that most of these funds consist of investments and investments of the organization's clients is the best proof of its reliability.

News

It's not surprising that Promsvyazbank's reliability rating is high. Literally everything indicates that he is good. Take, for example, the recent news that appeared in early December 2016. It became known that Promsvyazbank became one of the three leading financial institutions in the premium banking segment. The Frank Research Group announced the results. It is a leading research company in the field of financial analysisservices.

It is worth knowing that the assessment of the level of service and the quality of remote banking services, various privileges, investment offers and other criteria were taken into account. The head of the department for work with we althy clients assured that Promsvyazbank pays special attention to the premium segment and the development of the business area. And since people appreciate personal service, even though they use remote channels, the organization decided to open new zones for them. In 2017, it is planned to create them in other Russian cities, and not only in Moscow and Moscow Region.

Interesting to know

Talking about the rating of Promsvyazbank in terms of reliability, I would like to say that not so long ago this organization became the winner of an award called SPEAR'S Russia We alth Management Awards. And this is an important fact. Since this award, which is held annually, is given to the best representatives of private banking, whose activities are related to the management of large capitals.

This award is a real recognition of the effectiveness and success of the organization. And a confirmation of their high level of professionalism.

Interest rates

It is not for nothing that a company like Promsvyazbank is ranked by the Central Bank in the top ten. This organization cares not only about we althy clients, but also about all people who turn to her for services. Recently, for example, Promsvyazbank decided to reduce interest rates on loans. For small businesses, they are now equal to 9.4%, and foraverage - 8.3%. For comparison, one of the most profitable offers of Sberbank is Business-Invest, and its annual rates are from 11.8%. Looking at the difference, it becomes clear: the senior vice president of Promsvyazbank was right when he said that their company offers the best conditions in the financial market for entrepreneurs.

Working with individuals

Many people are interested in: how good is Promsvyazbank in terms of services provided to ordinary citizens? Still, not everyone in our country is a we althy person or business owner. Well, this organization has also succeeded in working with individuals.

As an example, consider such a service as "A solid percentage". It is beneficial for people who want to invest their money somewhere and increase income. An account is opened for a person, on which he puts a certain amount for a particular time period. The rate is 8.25% per annum. Another 0.25% may be added - if the person owns the Orange Premium Club or Your PSB Premium service program.

Let's say a client decides to open a “Strong Interest” deposit by depositing a million rubles into the account. At the end of the term (1 year), he will receive these funds back, plus a profit of ~ 83,000 rubles. What if you invest more? Then you will get a good passive income.

Mortgage

The credit rating of Promsvyazbank is an interesting topic, so it's worth delving into it. ATNowadays, the most popular type of loan is a mortgage. And many draw it up at Promsvyazbank. Why? But because the organization offers favorable conditions.

You can buy an apartment in a new building, taking a mortgage at 10.9%, and even with government support. What are the benefits? Firstly, the stated rate is valid for the entire term of the loan, but in the event that people use the services of partner developers. Secondly, the down payment is only 20%. That is, if a person wants to buy a one-room apartment for 2,000,000 rubles, then he will have to pay initially only 400,000 rubles. Thirdly, the bank does not charge any additional fees for processing a loan and offers early repayment without pen alties and restrictions.

And the most important advantage - transparent and few requirements for the client. Citizenship must be Russian, age - from 21 to 65 years old on the date of return. Registration or permanent place of work - also in the Russian Federation. Work experience - at least a year. And in the last place - 4 months. It is permissible to attract a co-borrower, but it can only be a legal partner (husband / wife). And if a man takes a loan, then he should not be subject to conscription. That's all. The conditions are as simple as possible - this is the main reason why many people apply for a mortgage in Promsvyazbank.

Finally

And as another proof of the reliability of Promsvyazbank, I would like to say that in the summer of this year, the Internet bank of this organization was recognized as the best in all of Russia. Research has beenconducted by a magazine called Global Business Outlook. This business publication annually arranges award ceremonies in various nominations in the field of economic business activity. And PSB Internet Bank was recognized as the most reliable and best. After all, every fourth client of the organization uses it.

By the way, in the middle of spring this year, PSB introduced a new Internet bank to people. Not only the design has undergone changes, but also the content. Useful features have been added, and the most popular operations that customers use most often have become available in one click.

In general, as you can see, there is a lot of evidence of the reliability of the PSB. The most obvious is the size of assets and the place in the rating of the Central Bank. Well, what is what, but there is no doubt about these facts.