The National Russian Commercial Bank is considered one of the first organizations in Russia to start lending to residents of the Crimean peninsula. Many banks are still afraid to issue such loans. They require proof of income and various certificates. RNKB offers loans and deposits for all categories of citizens at the most optimal interest rates and conditions.
About the bank
This company is one of the largest regional banks in terms of assets. It operates in the Republic of Crimea. At first, the company was a subsidiary of the Bank of Moscow, but in 2014, the Russian National Bank of Banks entered the Crimea market and became an independent bank. From that moment, the organization became the first Russian bank in the territory of Sevastopol and Crimea.
The bank’s work is mainly aimed at lending and servicing legal entities and individuals, as well as raising funds for deposits. Sources of income of the bank are mainly divided into deposits of individuals and funds of organizations and enterprises.
The bank was registered in 1991, and in1997 it became an OJSC. Today, the main shareholder of the bank is KER LLC.
The most important office of a credit organization is currently located in Simferopol. But what about Moscow? The Russian National Commercial Bank now has only one branch in the capital (the main office used to be at 9 Krasnoproletarskaya Street).
Private persons are offered services:
- Settlement and cash services.
- Various contributions.
- Credit cards.
- Consumer loans.
- Brokerage service.
- Money transfers.
- Individual safe deposit boxes.
Corporate clients are offered services:
- Settlement and cash services.
- Brokerage service.
- Lending.
- Acquiring.
- Documentary operations.
- Collection services.
- Deposits
Russian National Commercial Bank: loans
Obtaining a loan at the Russian National Bank of Russia for any purpose is quite simple. The bank has a lot of loan products that are issued for all categories of citizens at 24%. One of the main conditions of the organization is the presence of a client card bank RNKB, which is credited wages or pensions. Persons who do not have this card receive a loan at 25.9%. With a maximum amount of 500,000 thousand rubles. The organization offers to issue an amount more to the heads of companies operating on the territory of the peninsula. The maximum rate in this situation will be equal to 21% with a payout period of up to 3 years.
Bank loan products:
- "SIMPLY credit." Consumer loan, which is available for employees of enterprises receiving wages on RNKB cards. The loan is issued up to 1 million rubles. up to 5 years. No collateral or guarantee for the loan.
- "Pension credit." A loan available to pensioners who receive a seniority or old-age pension on RNKB cards. The age of the borrower must be no more than 65 years. The amount is issued up to 300,000 rubles for a period of not more than two years. Surety and pledge are also absent.
- "SIMPLY credit to state employees." The loan is available to civil servants, law enforcement officials, the public sector, government agencies and enterprises.
- "JUST a loan to military personnel." The loan is offered to military personnel.
- "SIMPLY prime credit." An advantageous loan is available to heads of organizations and enterprises.
National Russian Commercial Bank: deposits
At the bank, deposits for individuals are drawn up at a different percentage. The main conditions for cooperation are prescribed in the contract. Deposits of organizations provide for both capitalization and the withdrawal of accumulated funds every month. The interest rate depends on the currency in which the deposit is open. If it is open in rubles, then the rate will be much higher. RNKB for pensioners offers a separate contribution at an increased interest rate. To open this deposit you need to provide a pension certificate.
All RNCB deposits are insured in the deposit insurance system. The maximum interest rate is 11%.
NRKB: reviews
To date, the bank has opened 229 operational offices. NRKB has more than 3 thousand employees. The bank serves more than 40,000 enterprises and more than 1 million individuals.
In 2015, the number of customers of Russian National Commercial Bank OJSC increased significantly. This was influenced by the availability and adequacy of the proposed loan products and deposits. Reviews about the services and work of the bank are mostly only positive. Clients are grateful for the competent and professional service of employees, as well as for the availability of loans for all segments of the population.
Ratings of OJSC NRKB
In the “TOP-50”, the National Russian Commercial Bank takes the 45th place (by the Information Favorable Index).
In the reliability rating of banks, the organization is in 129th place, as well as in net assets.
According to the capital rating, RNKB takes the 145th place, and on the deposits of individuals - 124th.
The bank ranks 434th in the loan portfolio rating.
Every year, the National Russian Commercial Bank is trying to improve. Lending programs for clients from year to year are becoming more diverse, as well as the proposed deposits. Borrowers are satisfied with the quick and efficient work of the bank, and depositors are grateful to him for worthy cooperation.