Vneshprombank: Investor Reviews

In the market of Russian banking services, we can safely note a few of the most famous players who deserve the general trust of customers, due to which they attract large amounts of deposits.

Such structures have, as a rule, a fairly rich history of their activities, a lot 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 it, as well as features of the activities of this subject of banking activities, we will cite in this article. During the preparation of this information, both the materials posted on the official website will be used, as well as the reviews that can be found on extraneous resources.

general characteristics

We should start with the fact that Vneshprombank, which we are interested in, was founded in 1995. During this time, from a small operating department-structure with an 8-million charter, the bank began to enter the 100 largest banks in Russia. Due to this, of course, now the bank has found new tools in its portfolio with the help of which it operates in the financial sector.

Areas of activity

As for what Vneshprombank can offer, the reviews list the most developed areas of activity: bank deposits (attraction of household funds, as well as legal entities for placement at interest rates), lending (both mortgage and consumer loans for private Persons), investment activity (management of the client's funds), and so on.

As indicated on the bank's website in the section recommended for acquaintance to investors, transparency, openness and a principled approach are valued here in working with partners. It also describes the mandatory adherence to the rules of business ethics and corporate traditions. In general, this page lists all the beautiful things that are so appreciated in any partnership.

Bank products

As for the products that Vneshprombank is ready to offer to its customers at any time (reviews confirm this information), it means deposits, credit, servicing of bank cards, work with Internet banking, which allows you to manage your finances from a distance, investments in precious metals , Maintenance of safe cells for storing valuables. Also here you can rent a room for negotiation, offer cash and settlement services to private businesses, and issue savings certificates. That is, as you can see, the range of services of the bank is quite wide. However, in order to understand better how Vneshprombank works, feedback, rating, as well as information about some of its products, we will not be hindered. Based on them, we can add a more objective picture. And start with the characteristics of the most popular services.

Loans

As already noted, the bank is engaged in issuing consumer and mortgage loans. In the first case, it is about providing funds in different currencies for up to two years for non-targeted needs. That is, the debtor is not obliged to notify about what the money will be spent on, the main thing is to meet a number of criteria that Vneshprombank has set. Customer testimonials indicate that even if your data coincides with the requirements, the loan may still not be issued.

The main conditions are as follows: the age must be at least 25 years, the citizenship - the Russian Federation, the monthly income at the level of not less than 25 thousand rubles, the 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 30,000 and a maximum of 500,000 rubles.

Mortgage lending is a slightly different product. It provides for the provision of a loan for the purchase of housing on the security of an object that is purchased for borrowed funds. Thus, wanting to buy an apartment, a person must contribute part of its value (from 10 percent). Then the loan is issued for a period of 5 to 25 years. As noted on the website, no commissions are taken when issuing a mortgage loan bank Vneshprombank. Reviews borrowers insist that you need to carefully read the terms of such loans, because the additional costs that fall on the client include assessment, insurance, payments to a notary and others.

Deposits

Like any other bank, Vneshprombank attracts deposits. It is done under different conditions, depending on the plan that the client chooses. As they say about Vneshprombank, there are 5 deposit plans posted on the official website (Maximum income, Honorary Customer, Free Access, Universal Management, and Alternative Currency). They provide the presence or absence of certain options (the possibility of making additional funds to the account, the capitalization of the remaining interest, the possibility of withdrawing money ahead of time, and so on).

Investment activities

The client's investment opportunities with this bank are quite wide. Here, each is offered a brokerage service, it is possible to transfer funds for trust management, to receive funds for the repayment of mutual funds, as well as depository activities with the investor's contribution. All these products can be individually selected, based on the amount of money the client would like to entrust, and what percentage of the profit he ultimately expects to receive.

On assurances published on Vneshprombank's website, a team of professionals is engaged in investments, who perfectly understand how the financial market is organized, are able to analyze and forecast certain events, making profit.

Reviews of depositors

So, we gave the 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 we, for example, want to apply to one of the branches of this structure?

It should be noted that we found a lot of feedback, so there are both positive and negative ones. In the first customers express gratitude for the excellent approach, service at the highest level, comfort with which they were provided with banking services. Separately, one can find gratitude to the employees of various departments. Also in positive responses, people note favorable conditions, simplicity and accessibility in work, lack 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 a man was not offered coffee, somewhere there was no air-conditioner, and there was incredible heat, someone was rude to the cashier. There are negative comments about the bank in terms of the wording of the agreement, according to which the funds for foreign currency deposits can be returned in rubles, as well as exposing some more disadvantageous to the client conditions. Finally, there is some feedback on the incompetence of service personnel, which manifested itself in the form of too long a period of performance of a task or careless attitude. Another complaint can be seen because of the unclear conditions of some deposits (for example, "Childhood") - customers simply can not understand how this or that service works.

Employee feedback

Besides the service, I would also like to give a little information about the work in the structure of Vneshprombank. Feedback staff will help us with this.

In general, the positive aspects of the device to work in this bank are clear to us: a reliable, proven company, which is constantly developing and growing - this is an excellent platform for career growth. Plus, it also means that you can gain financial skills here and then contact other companies and structures to obtain a higher-paying position.

Therefore, here are some negative comments left on the bank. The first and most repeated is that interviews with candidates are for some reason often carried out by the company's simple secretaries. It is unclear on what basis they were transferred these duties, but, as the candidates note, the secretaries can not adequately assess the candidate.

The second negative point is the ignoring of some candidates by the bank's employees. That is, it happens like this: you submit your candidacy, you are told: "Everything is fine, come, we'll call you soon" - then do not answer your calls. Given these and other feedback about the establishment of "Vneshprombank" employees (about work), we can conclude that they are random. Therefore, it is impossible to testify about the quality of work within the structure to the full extent.

More negative recommendations about the bank could not be found.

Conclusions about the bank

"Vneshprombank" takes a confident position in the rating of Russian banking institutions - and this already speaks volumes. Negative feedback on the activities of any company will always be - 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 on this first, and with negative moments you may just not be lucky - sometimes it happens to each of us. Therefore, as a whole, we put a positive evaluation to the bank, as it is a developing, promising and reliable structure with a mass of profitable tools for work.