Bank "Eurokommerz": reviews. Opinions of users and clients, reviews of services

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

Bank "Eurokommerz", reviews of which customers leave both positive and negative, is, in fact, an open joint stock company and a diversified financial institution. The institution provides a wide range of banking services not only for individuals, but also for corporate clients. The bank began its history on April 20, 1992 and has been fulfilling its obligations since then.

Guidelines for work

The line of products offered by Eurokommerz Bank, reviews of which in this regard have a purely positive connotation, are universal offers adapted to a wide range of consumers. The institution's policy is balanced and stable in terms of attracting deposits from individuals. Clients of the institution have the opportunity to choose the most convenient format of cooperation among a large number of programs. Many customers speak positively about specialized products for narrow categories of people. These are universal programs for civil servants and employeesbudget segment, for pensioners and for employees of law enforcement organizations, developed taking into account their profitability and the specifics of work.

Depositors about partnership with the bank

Erokommerz Bank, reviews of which are advisory in nature, offers one of the highest interest rates on deposits in the domestic financial market. According to many clients, only within the framework of this financial institution, the amount of accruals can be up to 16.37% for ruble deposits and 4.5% for dollar deposits. In accordance with the terms of the program, the duration of the partnership in this case will be 370 days. The deposit program is known to the general public as "Monaco", it is characterized by automatic prolongation and the possibility of replenishment. On average, the bank's rate, depending on the partnership program and the duration of cooperation, can vary from 10.2% to 16.37% for accounts in rubles, and from 1% to 4.5% for accounts in European currency and in dollars. Depositors willingly accept the offers of the financial institution and leave very positive feedback about them.

What about payouts?

Bank "Eurokommerz", reviews of which confirm the following, throughout its history of existence has always regularly fulfilled its obligations. The financial institution has endured difficult times: the crisis of 1998 and 2014. Depositors do not leave mass responses that the financial institution does not pay and ignores appeals. Despite the minor inconveniences that some customers write about, inin particular, a delay of several days in the payment of a deposit and interest on it, or incorrectly calculated interest, seem insignificant against the background of the problems faced by clients of bankrupt banks, who cannot even return their money at all. Bank "Eurokommerz", reviews of which are pushing for partnership, inspires confidence due to its long history.

Bank operation during December 2014 rush

As evidenced by the reviews, the bank "Eurokommerz" deposits and interest has always tried to pay regularly. He adequately received clients during the period of December chaos with a sharp drop in the ruble exchange rate. People note that the service scheme during this difficult time was adequate and focused on the interests of each person. Servicing of all interested parties, and there were many of them, was carried out not only by tellers. Clients were accepted by executives and credit managers. People especially noted the fact that a bathroom for clients worked within the office, which left a positive impression of cooperation. The responses say that for the convenience of depositors, since January 2015, a separate teller window has been operating in the Moscow branch of the bank, who de alt exclusively with issues related to deposits.

What do bank ratings say and do they affect the activity of a financial institution

In February 2012, the "National Rating Agency" set for a financial institutionrating. Bank "Eurokommerz" received the category "BBB" and the second level of creditworthiness. On February 5, 2015, the NRA confirmed its provisional ruling and the BBB category. The only "but" is a negative forecast for the further development of the bank. The relatively high rating on the national scale is due to the high proportion of assets with instant liquidity included in the bank's net assets. We can talk about a good level of capital adequacy, which opens up broad prospects and opportunities for increasing the volume of active operations in the medium term. The high score is largely due to the deposits of individuals, 96% of which are guaranteed by the Deposit Insurance Fund. The pressure on the rating level and, in particular, the basis for the negative outlook was the growth of losses already in the second half of 2014. There was a twofold increase in overdue debts and a low ratio of collateral to growth in the loan portfolio. Despite the dissemination of this information by special agencies, the bank's activities have not changed. Eurokommerz, a bank whose reliability rating has been called into question, continues to fulfill its obligations.

Small grievances

As with any other financial institution, you can meet not only positive, but also negative feedback about this institution. Bank Eurokommerz (Vladikavkaz), for example, is often rated as a low-professional financial institution. There are references to inappropriate behavioroperators. Some people talk about the rudeness of the employees. On the other hand, quite often there are denials in which the bank's clients believe that negative statements have no objective basis. Eurokommerz is a bank whose reliability rating is quite high against the background of the actual situation in the financial world, is characterized as a reliable institution with which many citizens of the state are happy to build partnerships. It is very difficult to say which of the descriptions of the partnership is true.

Inside view

"Eurokommerz" - a bank, the addresses of branches of which (by city) are available on the main website of the institution, is described by employees as a good financial institution. Employees of the institution constantly focus on a wonderful team and a decent level of wages. The superiors treat their subordinates with great respect. Eurokommerz Bank (Vladikavkaz) has never practiced rudeness, insults and rudeness at any of the levels of management. A he althy atmosphere within the financial structure has a significant positive impact on the level of service for each client.

What are they saying about lending?

Another advantage that Eurokommerz Bank (Moscow), whose addresses will be presented below, can offer is favorable credit conditions. Clients talk about the possibility of receiving cash in the amount of 10 thousand rubles and up to 550 thousandrubles. Many are pleased with the opportunity to pre-repay a loan without any additional fees in any amount and at any time, which opens up opportunities for savings by reducing overpayments. Bank "Eurokommerz" offers deposits and deposits taking into account the interests of the inhabitants of the state, which gives it certain competitive advantages. As practice and numerous reviews have shown, a financial institution does not deceive its customers by charging hidden fees and withdrawing unforeseen payments. Even the negative forecast of the agencies and the low rating does not affect the serious attitude to one's obligations. Bank "Eurokommerz", despite minor collapses in work, continues to carry out its professional activities, serving many clients at a fairly high level.

For reference: in Moscow, bank branches can be found at the following addresses: Kotlyakovsky 1st per., 1, building 99; st. Obraztsova, 4; st. Sharikopodshipnikovskaya, 13, building 3.