Bank "National Standard": rating and reviews

The National Standard Bank was founded in 2002. The owner of the financial institution is Axial Investments Limited, a company operating in Cyprus. The head of the administrative apparatus is Maxim Zubov. In total, the bank serves at least 60 thousand customers. Individuals have access to deposits and loans, bank cards and safes, foreign exchange and exchange transactions. The Bank "National Standard" in Moscow has 9 offices. Representative offices successfully function in Oskol, Belgorod and Gubkin, in Voronezh and Novorossiysk. The ATM network includes about 59 devices.

A bit of history

The main office of the financial institute is located on the territory of Moscow. LLC operates under the General License under the number 3421, which was issued on October 28, 2013 due to the expansion of the institution. The Financial Institute has the status of a full member of the Deposit Insurance Fund, acts as a member of the National Stock Association, participates in SWIFT and REUTERS payment systems. Moreover, the bank belongs to the category of associate members of Visa International system and to the rank of affiliated members of MasterCard.

Strategic goals and their implementation

The strategic goal is to form a large federal-scale financial institution that is open-type and complies with all international standards. The priority is a transparent ownership structure and a broad customer base. On the basis of the goal, a strategy was developed in accordance with which already in 2007 the National Standard Bank buys 97.26% of shares of OJSC CB "RusYugbank", which is the largest in the region and has a very extensive network of offices and support units. This gave impetus to the active development of the enterprise.

Priority field of activity

The priority direction of the Institute's activity is the active development of partnerships with medium and large corporate clients, servicing wealthy sections of the population. Among the services are presented both classic offers and investment. "National Standard" Bank closely cooperates with OJSC "SME Bank" in the sphere of crediting and guarantee support of small business and medium-sized businesses. Taking part in the program from OJSC "Agency for Housing Financing", the institution issues loans for the construction or purchase of finished housing. All efforts of the bank are aimed at meeting the needs of all customers. The work is based on professionalism and reliability, on responsibility and on a high corporate culture. An individual approach to each client contributes to the overall perception of partnership with the financial institution.

Place in the ratings of the CBR

As of April 2015, the net assets of the financial institution amounted to 64,152,935 thousand rubles. According to this indicator, the bank got 88th place among the institutions of Russia, which number 778. The net profit of the Institute today, unfortunately, is equal to -175,055 thousand rubles, which threw the bank 756th in Russia. The loan portfolio of the institution is 28,780,700 rubles, which corresponds to 99 places among the banks of the country. The volume of deposits is 8 068 652 thousand rubles and corresponds to 159 places. The credit rating corresponds to category A + with the third lower sublevel of the rating (III).

The forecast in accordance with the rating is assessed as "stable". Specialists in the short term suggest a high probability of the bank fulfilling its financial obligations, not only current, but also those that may arise as the institute proceeds. If we talk about the medium term, then here the fulfillment of obligations will have a high probability with the stability of both macroeconomic and market indicators.

The place in the rating of the international agency Standard & Poor's

The Bank "National Standard" according to the international rating agency Standard & Poor's received a short-term counterparty "I / O" rating. According to the national scale, the rating of the financial institution corresponds to the value of "ruBBB +". These indicators indicate a likely negative scenario for the further development of events. The ratings of the bank take into account a moderate business position, moderate capital and income, weakened positions on risks and average financial liquidity. The negative outlook is based not only on net banking indicators, but also on the state of the financial sphere in Russia, which may have a certain financial impact on the institution. It was this moment that caused the significant differences between the assessment of domestic experts and international ones.

What do customers say?

Commercial bank "National Standard" in the first stages of its work was exclusively engaged in servicing Usmanov's companies. Since 2004 , the financial institution has begun to actively participate in the issue of municipal bonds. An important indicator of the active development of the financial institution was the purchase of "RusYugbank", which was mentioned above. Most of the reviews about the financial institution tell us about the many positive aspects of partnership, including in the sphere of lending. This is what ensured a positive people's rating. Clients of the bank emphasize that the financial institution offers the opportunity to repay the debt ahead of schedule after six months after its termination. On the mutually beneficial partnership in the aspect of lending, many more investors respond, confirming the optimal terms of partnership and acceptable interest rates.

And even brokerage services are available

The National Standard Bank (Stary Oskol, Moscow and some other cities where offices operate) offers brokerage services not only on the exchange market, but also on the over-the-counter market. Clients can, through partnership with the bank, purchase municipal and corporate bonds, sovereign and corporate Eurobonds and domestic currency loan bonds. Cooperation is available on two tariff plans, which pleases investors, since it allows them to reduce the cost of paying for mediation. According to one of the plans, the commission is 30 thousand rubles for any volume of operations, and in another way it varies from 0.01% to 0.2% and depends solely on the volume of turnover of funds.

Reviews of employees of financial institutions

The National Standard Bank (Novorossiysk, Moscow, Oskol and other cities where the offices are located) is active. The staff is constantly recruited highly skilled personnel. According to applicants for vacancies, wages in a financial institution are offered an order of magnitude higher than the average for the market. Without a job in the bank, one does not have to sit, life beats the key, multifaceted financial tasks are constantly being solved. Each specialist has his own work. There are reviews about a very friendly team and respect from the authorities. Bank "National Standard", feedback from employees about which always sound in a positive way, tries to maintain a high level, both in working with clients and with respect to employees. The general picture is supplemented by official employment and a full social package, which is provided to employees.

Attractive deposit programs for clients

An attractive line of deposit programs is available within the financial institution. According to clients, it is possible to easily choose the most convenient format of partnership. Thus, within the framework of the "Pension Standard" proposal, the ruble deposits will be accrued at a rate of 14%. The minimum amount of replenishment of the account is equal to thirty thousand rubles, and the duration of the partnership will be 181 days. Under the program, for dollar and euro accounts, rates of 5% and 4.75% are envisaged with a minimum contribution of 1000 units. The term of partnership is 271 days. The National Standard Bank, whose rating significantly differs according to the estimates of domestic and international experts, offers a partnership within the framework of the Savings Standard program. Here, the interest rate for ruble deposits will be 13%, for dollar deposits - 4.25%, for Euro accounts - 4.25%. The duration of the partnership is identical to that of the previous program.

Attracts customers and the fact that, depending on the chosen format of partnership, you can use such services as monthly interest payments, capitalization of charges, the possibility of replenishment or partial withdrawal of money from the account. Flexibility of partnership allows everyone to choose a convenient format for accumulating funds. The bank "National Standard", whose comments are more positive, is now properly fulfilling its obligations. And in an incredibly difficult current economic situation and despite a negative rate of return. The absence of problems is also indicated by the fact that there are no reviews of depositors with statements that the financial institution does not pay the bills.