Sberbank in the Czech Republic. Subsidiary banks of Sberbank. Sberbank CZ

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

Sberbank is one of the most famous financial institutions. However, its representative offices are known not only within the Russian Federation and the countries of the former CIS. They are also open in Europe. For example, there is a Sberbank in the Czech Republic. We will tell you more about the representation of a financial institution later.

Work and activities of Sberbank in the Czech Republic

As it turned out, Sberbank has been known in the Czech Republic for a long time. It was here that the representatives of this financial leader, who has long been known in the domestic banking services market, first announced themselves in 1993. Four years later, Sberbank in the Czech Republic received an official license allowing it to operate as an independent joint stock organization.

It was then that the first bank branches began to open in Europe, gradually moving into a small branch network.

A Brief History of the Establishment of a Representative Office

Sberbank managed to finally assert its rights immediately after the purchase of shares in a small Austrian credit institution called Volksbank in 2012. At that time, this commercial company was part of the rather influential and well-known Österreichischen Volksbanken group.

After that, there was a complete reorganization of the structure of this financial institution and a year later the name was changed. According to experts involved in rebranding, it was decided to keep the traditional and recognizable name of Sbarbank. As a result, a representative office called Sberbank CZ appeared.

Grand opening and first customers

After the purchase of the shares of the aforementioned organization, a colossal work was carried out to completely format the management system and reorganize. The grand opening of the main office of Sberbank, moved to one of the central streets of Prague, took place on March 20, 2013.

During a beautiful and bright opening, representatives of the organization clearly told, and also showed everyone the possibilities and features of their work. All those present could go into the department and see for themselves the veracity of these words. Moreover, pleasant surprises awaited all visitors in the form of profitable financial offers, attractive loan programs and much more. The guests happily agreed to visit Sberbank in the Czech Republic.

Sberbank offices today

After a while, Sberbank grew from a small financial division into a small branch network, opened many points of sale and installed specialized equipment for customer self-service. So, at the moment there are a little more than 8 large branches of this credit organization in the Czech Republic, several points of sale and about 20 ATMs and terminals.

Mismatched colors

Despite the similarity in name and general principles of work, European representations have some differences. In particular, they are associated with a color scheme atypical for our financial institution, present in the logo and design of branches. So, the subsidiary banks of Sberbank, when decorating their halls, somewhat departed from the usual colors of the bank. For example, although there are green tones in the range, there are not so many of them.

They are opposed to black and gold. According to eyewitnesses, a striking example of this is a large company sign in front of the entrance. She herself is in black. And the inscription on it is made using a special gold embossing.

Such color changes are associated with certain reasons. The fact is that some subsidiary banks of Sberbank were opened in historically important places in the city. Moreover, according to tradition, they were not supposed to spoil the facade of buildings. Therefore, it was decided to modify the color scheme based on the existing tones of the buildings.

Features of space zoning

Opening their offices, Sberbank (in the Czech Republic it is known not only by representatives of the Russian diaspora, but also by indigenous people) and its representatives paid special attention to the planning and zoning of space. For example, in most departments there are the following types of zones:

• checkout;
• customer service;
• self-service (there are machines for self-service,terminals);
• VIP.

All zones are separated by partitions and are located as compactly as possible. According to the majority of clients, PJSC Sberbank has created comfortable office space where it is pleasant to be.

Language barrier cleared

Despite their native Russian roots, Sberbank employees mostly speak Czech. However, given that representatives of other nations also live in the Czech Republic, it was decided to hire English-speaking workers as well. There are also Russian-speaking managers in the staff of the bank branches. This greatly simplifies the appeal to the organization of vacationers or visitors from the Russian Federation.

If you wish, visitors can immediately visit Sberbank in the Czech Republic. Here they can issue a loan on a general basis. If they need local currency, they can easily get it. The bank performs various exchange operations, as well as a service for international transfers. Moreover, Russian-speaking managers of Sberbank can take part in servicing the Russians, if they wish.

What services does the bank offer?

PJSC Sberbank currently offers a range of banking services designed for individuals and legal entities. Among the banking operations of this organization, the following types of services prevail:

• perform international transfers;
• carrying out cash transactions (exchange, sale and purchase of currency);
• cashless payments;
• opening and maintenance of bank accounts;
• lending.

As in Russia,Bank branches in the Czech Republic use various methods to attract new customers. To do this, they hold a variety of promotions, organize loy alty programs. By the way, all former clients of Volksbank could easily exchange their cards for Sberbank plastic. At the same time, it was possible to save the current PIN code.

Bank mortgage programs

Mortgage loans are the most popular service of the Czech representative office of Sberbank. At the moment, potential borrowers of the organization can count on the "Honest Mortgage Loan", which implies the purchase or rental of real estate. The bank also offers loans for the construction or restoration of your home. The loan assumes an interest rate of 1.79% per annum.

If you applied to Sberbank in the Czech Republic (mortgage in this case may be of interest not only to local residents, but also to visitors) and plan to take a housing loan, then here you will definitely be given it. At the same time, bank representatives offer a housing loan for foreigners at 70% of the collateral value of the property. Moreover, the rate for such clients will be from 4.99% per annum. Customers who do not have a permanent place of residence in the republic are served without paying for bank services.

Moreover, visiting Sberbank in the Czech Republic (the interest on the loan here is set depending on the chosen program), you can get a loan for any purpose, but secured by real estate (the so-called American mortgage). Under such programs, as a rule, you can get up to 5,000,000 kroons (does not exceed 70% of the value of the collateral). The rate in this case will be from 3.99% per annum.

Who can become a bank client?

In order to become a bank client, you must meet certain criteria of a financial institution. For example, borrowers from 18 to 70 years old can count on a loan here. If you are a foreign citizen, then as supporting documents you will need:

• passport;
• internal civil passport;
• photocopy of Schengen visa;
• original certificate of ownership.

Moreover, if the borrower is not a resident of the republic, he will need two co-borrowers as guarantors. Thus, the bank is additionally reinsured in case of loan default. It is noteworthy that, if the client wishes, the entire transaction can be carried out in Russian or English, if the client does not know Czech. In turn, the loan agreement and other documents also do not require translation and can be provided in Russian.

In a word, by contacting the subsidiaries of Sberbank, you can get full-fledged service, including in Russian.