Banking houses have become equal members of the Russian banking system. They are a commercial, acceptance, or other banking enterprise owned by a particular banker, or a partnership of bankers with unlimited liability.
Areas of activity
Gradually, banking houses (DBs) evolve into joint-stock companies, merge with international banking associations, concerns. On their basis, the headquarters of financial groups are created. The scope of their activities is extremely wide. In addition to basic banking services (loans, deposits, currency exchange, card issuance, money transfers), the database is actively involved in exchange speculation, insurance, trading with raw materials, precious metals, is engaged in mediation, design and consulting work, loans, issuing and founding activities and other financial transactions.
CJSC Banking House
According to the issued license No. 2928 (December 19, 2003), the bank has the right:
- To attract funds of individuals in foreign currency, rubles for placement in deposits.
- Place, attract precious metals in deposits.
- Carry out banking operations in currencies, rubles (without the right to attract deposits from individuals).
One of the largest databases in St. Petersburg (not to be confused with the Russian Banking House), the bank is a credit organization registered on June 27, 1994. State registration number: 1027800011524. The authorized capital is 3 670 340 rubles.
Primary activity
Banking House is a bank that carries out a variety of banking operations in the Russian Federation. He is a member of the All-Russian program of compulsory insurance of individuals' deposits. According to the law, each depositor in case of limitation of the bank’s activities is guaranteed to receive the full payment of compensation for the deposit, but a maximum of 700,000 rubles.
As of January 1, 2014, the bank has 10 internal structural units in St. Petersburg and 1 in Moscow. The Moscow branch of Banking House Bank CJSC was founded in 2001. One representative office was opened in Finland (Kotka).
The database offers clients a list of banking services that do not contradict existing licenses. He has the right to carry out permitted operations with precious metals, foreign currency, and rubles. The main target orientation of the bank is retail services, that is, accessibility and satisfaction of the needs of a wide range of individuals and enterprises in a variety of bank services:
- Settlement and Cash Services (RKO);
- loans
- operations with bank cards;
- deposit operations;
- rental of safe deposit boxes to customers .
Management of customer funds, personal management services, development and implementation of individual financial transactions are under special control of the bank. As part of foreign exchange services, the bank continued to provide services in the following areas:
- currency control;
- maintenance and settlement of foreign currency accounts;
- cash exchange;
- sale / purchase of non-cash currency against the open currency position of the bank.
Sources of income
The Banking House's revenue for the first quarter of 2014 is concentrated in four main areas:
- CSC;
- interest on loans;
- commission for foreign exchange transactions;
- proceeds from the rental of safes.
Credit and exchange operations occupy a leading position in the total income of the Banking House. In the framework of public services, the organization continues to provide individuals with services such as opening bank accounts, maintaining them, transferring funds without opening accounts.
According to the report of the credit organization as of 1.07.2014 on financial results, total revenues amounted to 760 715 000 rubles. After deducting expenses, taxes, and liabilities, the profit amounted to 6,324,000 rubles.
Bank policy
One of the directions of the Banking House's client policy is the formation of partnerships, even trusting relationships with citizens and organizations. The bank willingly supports mutually beneficial projects.
Management of customer funds, personal management services, development and implementation of individual financial transactions are under special control of the bank. As part of foreign exchange services, the bank continued to provide services in the following areas:
- currency control;
- settlement services, including the maintenance of foreign currency accounts, settlement operations in foreign currency;
- operations with cash currency;
- sale / purchase of non-cash currency.
Reviews
If you analyze the Banking House Bank on the Internet, customer reviews are often neutral. A financial institution copes with its tasks. Visitors are satisfied with the quality of service. The administration reacts reasonably to controversial issues, in case of its incorrectness, corrects errors and apologizes. If the client makes unreasonable claims, he politely, with an explanation of the reasons (based on laws, contract, contract) explain this or that action of the company. Some visitors like the home atmosphere in the branches, different from the deliberately strict atmosphere of large banks.
On the conditions of work in the organization "Banking House" employee reviews are standard for such companies:
- The employees are impressed by the opportunity to start work without much experience. The bank is excellent as a launching pad for starting a career in financial institutions.
- Both visitors and a number of workers celebrate a friendly team.
- Some employees note not the highest salary in the banking sector and the need to work hard and hard.
- Wish: to make redecorating in a number of offices, to update office equipment.
Bank "Banking House": details
The Bank is registered and is actually located at the following address: 197046, St. Petersburg, Malaya Posadskaya Street, 16, lit. Ah, pom. 6H. Phones: (812) 4973698, (812) 6437714, (812) 4973705.
As of December 31, 2013, the shareholders were:
| The largest shareholders | Shares in the authorized capital |
| Joint-stock company "X-Markkinointi Oy" | 85.2% |
| Lykov Evgeny Nikolaevich | 5.08% |
| Other shareholders (individuals) | 9.72% |
F. I. O. Chairman of the Board of the Bank - Tatyana Pavlovna Astapova.
Chairman of the Board of Directors of the Bank - Romanova Lidia Ivanovna.
Conclusion
Banking houses are inseparable from the global economic environment. The banking system of the Russian Federation, like the whole world, is feeling the consequences of the crisis, functioning in a special mode against the backdrop of uncertainty, structural changes, the emergence of new international capital centers, offshore financial flows, and accelerated capital migration. The sanctions of major powers add additional instability to the banking sector.
The operation of the system is complicated by the consequences of an ongoing global financial crisis, instability in Europe, and the transition to Basel standards. The domestic banking system is still objectively behind the systems of developed countries. Causes of instability:
- Economic growth is tied to commodity exports.
- Lack of clarity on which model to build the banking system.
- Insufficient investment attractiveness of the sphere, including due to its low capitalization.
- Banking infrastructure is far from optimal development.
- Continued outflow of capital.
Perhaps banking houses due to the flexibility of management have some advantages in a number of banking areas when working with the local population and organizations in their region. Bank "Banking House" - confirmation of this. The company overcame the recent financial crisis in Russia without consequences. It works with profit. Attractive interest rates on deposits and their low entry threshold allow people with any income to increase their funds. Important advantages are the absence of hidden fees and understandable contract terms.