Sberbank in the Czech Republic. Subsidiary banks of Sberbank. Sberbank CZ

Sberbank is one of the most famous financial institutions. However, its representative offices are known not only within the Russian Federation and the countries of the former CIS. They are also open in Europe. For example, there is Sberbank in the Czech Republic. More details about the representation of the financial organization we will tell further.

Work and activity of Sberbank in the Czech Republic

As it turned out, in the Czech Republic they know about Sberbank for a long time. It was here that the representatives of this financial leader, known for a long time in the domestic market of banking services, first announced themselves in 1993. Four years later, Sberbank in the Czech Republic Received an official license that allows him to act as an independent joint-stock company.

It was then that the first branches of the bank began to open in Europe, gradually turning into a small branch network.

Brief history of the establishment of a representative office

Finally, Sberbank succeeded in approving its rights right after buying shares of a small Austrian credit organization called Volksbank in 2012. At that time, this commercial company was part of the rather influential and well-known group Österreichischen Volksbanken.

After that, there was a complete reorganization of the structure of this financial institution and a year later the name was changed. According to experts who are engaged in rebranding, it was decided to leave the traditional and recognizable name of Sberbank. As a result, there was a representation called Sberbank CZ.

Opening Ceremony and First Customers

After buying the shares of the above-mentioned organization, a tremendous effort was made to fully format the management and reorganization system. The grand opening of the main office of Sberbank, transferred to one of the central streets of Prague, was held on March 20, 2013.

During a beautiful and bright opening, representatives of the organization clearly told, and also showed to all comers the opportunities and features of their work. All present could come into the department and see for themselves the veracity of these words. Moreover, all visitors were waited by pleasant surprises in the form of favorable financial offers, tempting credit programs and many other things. Guests gladly agreed to visit Sberbank in the Czech Republic.

Sberbank representative offices today

After a while, from a small financial unit, Sberbank grew into a small branch network, opened many sales outlets and installed specialized equipment to self-service customers. So, at the moment in the Czech Republic there are just over 8 large branches of this credit institution, several sales outlets and about 20 ATMs and terminals.

Mismatches in color

Despite the similarity in the name and general principles of work, European missions also have some differences. In particular, they are associated with the color spectrum that is not typical for our financial institution, which is present in the logo and design of branches. So, the daughter banks of the Savings Bank at drawing up of the halls have departed a little from habitual colors of bank. For example, in the gamut, although there are green tones, there are not so many of them.

In contrast, they appear black and gold. According to eyewitnesses, a striking example of this is a large branded sign in front of the entrance. It itself is made in black. And the inscription on it is made using a special gold embossing.

Such color changes are associated with certain causes. The matter is that some subsidiaries of Sberbank were opened in historically important places of the city. And, according to tradition, they should not spoil the facade of buildings. Therefore, it was decided to modify the color design based on existing building tones.

Features of zoning of premises

Opening its offices, Sberbank (in the Czech Republic it is known not only by representatives of the Russian diaspora, but also by indigenous people) and its representatives paid special attention to the planning and zoning of space. For example, in most offices there are the following types of zones:

• Cash register;
• Customer service;
• Self-service (there are self-service devices, terminals);
• VIP.

All zones are separated by partitions and located as compact as possible. According to the majority of clients, PJSC Sberbank has created comfortable office space, where it is pleasant to be.

The language barrier is overcome

Despite the native Russian roots, Sberbank employees mostly speak Czech. However, given the fact that representatives of other nations live in the Czech Republic, it was decided to hire English-speaking workers. Also in the staff of bank branches there are Russian-speaking managers. That essentially simplifies the reference to the organization of tourists or visitors from the Russian Federation.

If you want, visitors can immediately visit Sberbank in the Czech Republic. They can apply for credit here on a general basis. If they need a local currency, it can be easily obtained. The bank performs various exchange operations, as well as an international translation service. And in the service of Russians, at their request, Russian-speaking managers of Sberbank can take part.

What services are offered in the bank?

PJSC Sberbank at the moment offers a number of banking services designed for individuals and legal entities. Among the banking operations of this organization, the following types of services prevail:

• Execution of international transfers;
• Realization of operations with cash (exchange, sale and purchase of currency);
• Non-cash settlements;
• Opening and maintenance of bank accounts;
• Crediting.

As in Russia, the Bank's branches in the Czech Republic use various methods to attract new customers. To do this, they conduct a variety of actions, organize loyalty programs. By the way, all former Volksbank customers could easily exchange their cards for Sberbank plastic. You could save the current PIN-code.

Mortgage programs of the bank

The most popular service of the Czech representation of Sberbank are mortgage loans. At the moment potential borrowers of the organization can count on "An Honest Mortgage Loan", which implies the purchase or lease of real estate. The bank also offers loans for the construction or restoration of their homes. The loan assumes an interest rate of 1.79% per annum.

If you applied to Sberbank in the Czech Republic (a mortgage in this case may interest not only local residents, but also visitors) and plan to take a housing loan, then you will be given it. At the same time, representatives of the bank offer a housing loan for foreigners at 70% of the collateral value of the property. And the size of the rate for such customers will be from 4.99% per annum. Servicing of clients who do not have a permanent place of residence in the republic is performed without payment for the bank's services.

Moreover, when visiting Sberbank in the Czech Republic (interest on the loan is set depending on the chosen program), you can apply for any loan, but secured by real estate (the so-called American mortgage). According to such programs, as a rule, it is possible to receive up to 5 000 000 kroons (does not exceed 70% of the value of the collateral object). The rate will be from 3.99% per annum.

Who can become a client of the bank?

In order to become a client of the bank, it is necessary to meet certain criteria of a financial institution. For example, borrowers from 18 to 70 years can rely on a loan here. If you are a foreign national, then as supporting documents you will need:

• international passport;
• An internal civil passport;
• Photocopy of the Schengen visa;
• Original of the certificate of ownership.

Moreover, if the borrower is not a resident of the republic, he will need two co-borrowers as guarantors. Thus, the bank is additionally reinsured in case of non-repayment of the loan. It is noteworthy that if the client wishes, the entire transaction can be conducted in Russian or English, if the customer does not know Czech. In turn, the loan agreement and other documents also do not require translation and can be provided in Russian.

In a word, turning to the subsidiaries of Sberbank, you can get a full-fledged service, including in Russian.