The commercial banking organization NS Bank was founded in 1994 and has a general license from the Bank of Russia. This financial institution is a member of mandatory deposit insurance systems, is included in the Register of banks and other credit organizations authorized to issue bank guarantees to pay customs duties. This bank is accredited by AHML as a mortgage supplier. It is a universal financial and credit institution, providing a complete combination of modern banking services.
The bank has established itself as a fairly effective financial and credit institution and was awarded the Financial Olympus prize in the nomination “Leader in Reliability and Growth Dynamics” and also awarded the international level “Banking” prize in the category “Dynamically Developing Bank”. At the end of the article, we will read in detail the reviews about NS Bank.
What cities have bank offices?
This institution seeks to bring sales offices closer to customers. To date, the network consists of the Central Office, 29 sales offices, 14 additional offices in Moscow, as well as branches and offices in St. Petersburg, Veliky Novgorod, Nizhny Novgorod, Ivanovo, Tula, Dmitrov, Serpukhov, Krasnogorsk, Khimki.
The ATM network comprises 50 devices, which, according to the reviews of NS Bank, is very convenient. The number of employees is 570 people.
Targets and goals
NS Bank is a very specific financial institution. This is not just about customer service. The specialists of this institution help people find the best financial instruments to implement their plans. In addition, it is very important that each employee of the company at their workplace implement those solutions that are most optimal for specific customers and beneficial for the bank.
Only in this case will qualitatively new opportunities be created for partners and customers, for investors and shareholders, for Bank employees. The mission unequivocally determines that the needs, tasks and goals of clients act as the basis for all the activities of NS Bank.
Principles
The main principles of this banking institution can be called:
- Reliability. This company is responsible to its customers, shareholders and employees. The well-being of thousands of people depends on its stability. Aware of this responsibility, NS Bank takes on additional requirements to reduce risks.
- Customer focus. An important task of the bank is to ensure that communication with employees evokes extremely positive emotions among customers. In this way, “NS Bank” understands customer focus, which is considered the main principle of interaction with the client, starting from his initial visit to the office. The company’s specialists explain in advance all the details of each offer so that all conditions are convenient and understandable to the client.
- Professionalism. The Bank seeks to ensure that each employee who contacts the client acts as a “professional consultant” and can not only give answers to customer questions, but also determine the real need of the client, offering the best solutions.
Activities
This financial institution acts as:
- Authorized Bank of the Government of Moscow.
- A participant in the electronic trading system.
- Participant of the Deposit Insurance System.
This bank is included in the Register of banks and other credit organizations that have the right to provide bank guarantees to pay customs duties. This organization shows the main activity in the field of mortgage lending, through cooperation with such developers as MGSN, BEST Consulting, SU-155, Invest Estate and many others.
The total number of corporate clients of the institution exceeds 3200 organizations, most of which are related to financial, construction and service economic sectors. Loans for legal entities occupy 95% of the loan portfolio of this bank.
Balance sheet structure
The balance of NS Bank is:
- assets: loan portfolio - 56%, securities - 26%;
- liabilities: in the form of private customer deposits - 46%, corporate customer accounts - 41%.
The bank provides the following types of services:
- currency exchange;
- loans to enterprises and accounting of commercial bills;
- savings deposits;
- storage of valuables;
- cash settlement operations.
Customer Services:
- brokerage services;
- trust management of the client’s financial resources;
- repurchase agreements;
- accounting, storage and transfers of securities.
Corporate bank cards are to some extent an element of prestige and image, evidence of the financial well-being and reliability of the bank.
“NS Bank” offers plastic corporate VISA cards that allow you to pay in cashless form:
- household expenses (office supplies, stationery, etc.);
- travel expenses (hotel, tickets, meals, etc.);
- entertainment expenses (gifts, restaurant, etc.);
- overhead (subscription to magazines and newspapers, purchase of literature, etc.).
You can receive money directly at the ATMs of the bank and at ATMs of other banking organizations around the world. Numerous positive reviews about NS Bank testify to the convenience of using plastic cards abroad.
Currency exchange
Such operations are actions for the management and organization of monetary relations that arise during the movement of securities in the currency and the currency itself. Foreign exchange operations are often associated with cash payments (transfer, payments, etc.) and with the movement of capital (credit, leasing, etc.). If you believe the reviews, currency exchange in NS Bank can be made as soon as possible. The movement of foreign currency capital means investing foreign currency in business entities with a view to profit.
Savings Deposits and Interest Rates
Providing loans for any bank is a very profitable undertaking. This is primarily savings deposits accepted by banks at interest. The feedback on deposits in NS Bank confirms that the financial institution also performs an important function for society - it stimulates credit intermediation through redistribution.
Below are the names of deposits that are available in this organization and interest rates on them:
- “Maximum comfort” - interest rate - 6.5%.
- “Reliable” - at 6.75%.
- “Triple effect” - 2.5%.
- "Currency horizon" - 3.5%.
- “Investment” - 8%.
- Pension - 7.45%.
- “Saving” - 7.35%.
- Convenient (interest on the account) - up to 7.25%.
- “Convenient” (interest on the card) - up to 7.45%.
Storage of valuables
Back in the Middle Ages, they began to practice the storage of securities, gold and other valuables in reliable bank vaults. In a commercial organization, safe rental departments deal with safe storage, where clients' values ​​are locked until they need access to such property. Reviews about NS Bank and specifically this service can be found on the Internet in abundance.
Settlement and cash operations
This is a procedure for the introduction of accounts of individuals and legal entities, as well as settlements on behalf of. NS Bank is interested in attracting legal entities to such services. This is due to the fact that the funds held in bank accounts are funds raised by the bank, in accordance with the amount of which the business activities of this organization are built.
Since contacts with the bank on such services are regular, it means that depending on the quality of the bank’s activities, customers decide whether it is advisable to cooperate with this organization in the future or not. In addition, a decision is made on the forms of this cooperation, the degree of validity of tariffs for services established by the bank.
“NS Bank” provides qualified management of client assets in the financial markets, and also offers customers the opportunity to work independently in the securities market.
Mortgage from the Bank
This year, the bank offers several mortgage programs for up to 25 years. The maximum interest rate on a mortgage loan is 13%, the minimum - 3%. According to reviews of the NS Bank mortgage, some of these programs require compulsory insurance, as well as an initial payment, either for any convenient amount or in the amount of 20% of the loan amount. It depends on the type of mortgage, as well as on individual loan conditions in each case.
Employee Reviews
Reviews of NS Bank employees who work in this financial institution were divided into positive and negative. Many employees note that the bank has a very good, friendly team, mutual assistance and support are welcome. As for the bosses, there are reports that during employment people are promised one thing, but in reality it turns out completely different - with respect to wages.
The feedback of NS Bank employees in Moscow confirms that during the interview they promised a fixed income, but it turned out that the earnings are fixed and bonus parts, the second of which depends on many factors. The premium part is signed quite abstractly and with its main part, according to employees, you can say goodbye right away. The work schedule is strict.
Customer reviews
Most customers complain about this bank. Negative customer reviews of NS Bank confirm that there are rather obscure credit conditions, including mortgage lending. In addition, this financial institution is not very popular, such as Sberbank, due to which many people do not trust this organization and do not want to use its services. Those who are nevertheless a client of NS Bank also note downsides in servicing - poorly trained employees and long waiting times when they visit the institution.