In the market of Russian banking services, one can safely note several of the most famous players who deserve the general trust of customers, due to which they attract large amounts of deposits.
Such structures, as a rule, have a fairly rich history of their activities, a ton of tools for working with clients, as well as substantial capital that allows them to work confidently in the investment industry.
One of these banks is the Russian Vneshprombank. Reviews about him, as well as features of the activities of this banking entity, we will provide in this article. In the course of preparing this information, both materials posted on the official website of the structure and reviews that can be found on extraneous resources will be used.
general characteristics
To begin with, Vneshprombank, the reviews of which we are interested, was founded in 1995. During this time, the bank began to enter the 100 largest banks of Russia from a small operational branch-structure with an 8 millionth charter . Due to this, of course, now the bank has acquired new tools in its portfolio, with the help of which it carries out its activities in the financial sector.
Areas of activity
As for what Vneshprombank can offer, the reviews list the most developed areas of activity: bank deposits (raising funds from the population, as well as legal entities for placement at interest), lending (we are talking about both mortgage and consumer loans for private persons), investment activity (management of the principal's funds) and so on.
As indicated on the bank’s website in the section recommended for familiarization with investors, transparency, openness and a principled approach are appreciated here when working with partners. It also describes the mandatory compliance with the rules of business ethics and corporate traditions. In general, this page lists all the beautiful things that are so appreciated in any partnership.
Banking products
As for the products that Vneshprombank is ready to offer its customers at any time (reviews confirm this information), these are deposits, credit, bank card services , working with online banking that allows you to manage your finances from a distance, investments in precious metals , service of safe deposit boxes for storing valuables. They can also provide a rental room for negotiation, offer settlement and cash services for a private business, and issue savings certificates. That is, as you can see, the range of services from the bank is quite wide. However, in order to better understand how Vneshprombank works, reviews, ratings, and information about some of its products will not hurt us. Based on them, we can add a more objective picture. And start with a description of the most requested services.
Loans
As already noted, the bank is engaged in the issuance of consumer and mortgage loans. In the first case, we are talking about the provision of funds in different currencies for a period of up to two years for inappropriate purposes. That is, the debtor is not obliged to notify what the money will be spent on, the main thing is to meet a number of criteria that Vneshprombank set. Customer reviews indicate that even if your data matches the requirements, the loan may still not be issued.
The basic conditions are as follows: age must be at least 25 years, citizenship - RF, monthly income at the level of at least 25 thousand rubles, work experience - more than a year. The conditions for issuing loans are such that the interest rate varies between 23 and 27 percent per annum, with a minimum amount of 30 thousand and a maximum of 500 thousand rubles.
Mortgage lending is a slightly different product. It provides for the provision of a mortgage loan on the security of an object that is acquired for borrowed funds. Thus, in order to buy an apartment, a person must contribute part of its value (from 10 percent). Further, the loan is issued for a period of 5 to 25 years. As noted on the website, Vneshprombank Bank does not take any fees when applying for a mortgage. Feedback from borrowers insists that you need to carefully read the terms of such loans, since the additional costs that are borne by the client include assessment, insurance, payments to a notary, and more.
Deposits
Like any other bank, Vneshprombank is engaged in attracting deposits. It is done on different conditions, depending on the plan that the client chooses. As depositors' reviews say about Vneshprombank, there are 5 deposit plans posted on the official website (“Maximum Income”, “Honorary Client”, “Free Access”, “Universal Management”, and “Alternative Currency”). They provide the presence or absence of certain options (the possibility of depositing additional funds to the account, capitalization of interest left, the possibility of withdrawing money ahead of schedule, and so on).
Investment activities
The client's investment opportunities with this bank are quite wide. Here everyone is offered the service of brokerage services, it is possible to transfer funds for trust management, accept funds to pay off mutual funds, as well as depository activities with investor contributions. All these products can be individually selected based on how much money the client would like to entrust and what percentage of profit he ultimately expects to receive.
According to assurances published on the website of Vneshprombank, investments are made by a team of professionals who perfectly understand how the financial market works, are able to analyze and predict certain events, making a profit.
Investor Reviews
So, we gave basic information about how the bank works and what it offers. And what about practical approaches to the client? What awaits us in practice if, for example, we want to contact one of the departments of this structure?
It should be noted that we found a lot of reviews, so among them there are both positive and negative. First, customers express their gratitude for the excellent approach, the highest level of service, the comfort with which they were provided with banking services. Separately, you can find thanks to the employees of certain departments. Also, in positive reviews, people note favorable conditions, simplicity and accessibility in work, the absence of "pitfalls".
As for the negative written by clients about Vneshprombank, it is aimed at different nuances. The first is the level of service in some branches of the bank. Somewhere the person was not offered coffee, somewhere there was no air conditioning, and there was incredible heat, someone was rude to the cashier. There are negative reviews about the bank in terms of the wording of the agreement, according to which funds on foreign currency deposits can be returned in rubles, as well as exposing some more unfavorable conditions for the client. Finally, there is a part of the feedback on the incompetence of the maintenance staff, which manifested itself in the form of a too long deadline for completing a task or neglect. You can also see complaints because of the unclear conditions of some deposits (for example, "Childhood") - customers simply cannot understand how a particular service works.
Employee Reviews
In addition to the service, I would also like to provide a little information about the work in the structure of Vneshprombank. Employee reviews will help us with this.
On the whole, the positive aspects of applying for a job at this bank are clear to us: a reliable, time-tested company that is constantly developing and growing is an excellent platform for career growth. The plus also lies in the fact that here you can get working skills in the financial sector and after that apply to other companies and structures to get a higher paying position.
Therefore, we give some negative reviews left about the bank. The first and most repeated is that for some reason interviews with candidates are often conducted by simple company secretaries. It is unclear on what grounds these responsibilities were transferred to them, but, as applicants note, secretaries cannot adequately evaluate the candidate.
The second negative point is the neglect by bank employees of some candidates. That is, it happens like this: you submit your candidacy, they say to you: “Everything is fine, come up, we will call you soon” - after which they do not answer your calls. Given these and other reviews of employees (about work) left about Vneshprombank, it can be concluded that they are also random. Therefore, such reviews cannot fully testify to the quality of work within the structure.
More negative recommendations about the bank could not be found.
Bank Conclusions
Vneshprombank holds a confident position in the rating of Russian banking institutions - and this already says a lot. There will always be negative reviews about the activities of any company - but the development of the bank is the best indicator of how it works with customers and how it relates to staff. You need to focus primarily on this, and with negative points you may just not get lucky - sometimes this happens to each of us. Therefore, in general, we give the bank a positive assessment, since it is a developing, promising and reliable structure with a lot of profitable tools for work.