In Russia there are banking institutions,present on the market since 1991 - as soon as the entire financial and credit system as a whole has begun to emerge. These subjects, as a rule, have a stabilized management model, well-established contacts, a broad customer base and quite high-quality products in demand on the market.
One of these is the bank "Left Bank",operating in the Siberian region. It is well known there because it has a wide network - 19 offices, 7 offices for issuing loans, as well as more than 100 ATMs and terminals.
Within the framework of this article we will describe what the institution is, at what level services are provided here, what can the client offer and so on.
Let's start, perhaps, with awards and ratings, in whichthis institution was positively noted. In order to see the situation more objectively, we take into account only those achievements that were achieved in 2015. So, the center of analytics "Rusipoteka", by creating the rating of the most advanced banking institutions engaged in issuing mortgages, placed bank "Levoberezhny" (Kemerovo) on 33rd place. In another perspective - by the volume of the loan portfolio - an authoritative publication (RIA Rating) determined the bank described in the article as the 120th place. By the size of total assets, the same agency attributed "Left Bank" to the 136th place. Finally, the Moscow Stock Exchange in the category "Leading Trading Operators" has determined the bank for the 35th position.
As you can see, this institution has some achievements, which are supported by leadership positions in the market and the broadest base of clients.
Deposits are a favorite bankingtool of people who are able and like to save money. Bank "Levoberezhny" offers about 10 types of deposits - they all differ in currency, the minimum amount for investment, interest rate and other conditions (the ability to replenish, withdraw money, open through the Internet). Each client, depending on what interests him, can choose the best for himself deposit and keep money in this bank. Examples of investment plans: "Investment" (minimum for investment - 10 thousand, for the deposit is charged 12% per year, the investor has the opportunity to register it via the Internet bank and, in addition, to make replenishments); "Beloved" (a minimum of 50,000, from 10.5 to 11.5 percent of profit for the year, an additional 7 percent is added to the account of "Purse"). There are also plans for retirees, for children, deposits in foreign currency, demand deposits.
As the described institution acceptsinvestment, respectively, and the loan bank "Levoberezhny" can issue at several rates, depending on whether the client is a regular user or comes for the first time. Also plays a role of a means of payment, through which the client will receive borrowed funds - a credit, a simple client card or some other form.
In the case of lending, the bankdivision of customers into categories. So, these are holders of salary cards, pensioners, new customers wishing to issue a "credit card", customers with a positive credit history, employees of companies that are partners of the bank. Accordingly, the conditions for granting loans for each of these categories are different. Although the bank "Levoberezhny" puts the same interest in different branches. Novosibirsk, Kemerovo or Barnaul - regardless of where the branch office is located.
In addition to lending and depository activities,The bank also conducts a number of other operations. In particular, it is the exchange of currencies, the processing of bank cards, the opening of accounts to save funds, the opening of mortgages for the purchase of real estate, the provision of private services remotely, placing valuables in bank safes and so on. All this allows the client to work with the same bank, regardless of the service that he needs.
The general list of features that thean institution to its clients, is, of course, good. But to understand how this or that bank works, it is possible only after acquaintance with the real clients' opinions. And you can do it on specialized resources, for example, in the forums of depositors and borrowers. What we did to understand what the bank "Left Bank" is.
Novokuznetsk or Kemerovo, Barnaul or anyanother city, where the office of the office of interest is located, does not matter - on the site with feedback, recommendations from people from all over the country are collected. And for them you can find, for example, that in some branches customers are offered to exchange currency for 5 rubles cheaper, but without a queue; in others - they delay payment of interest on the deposit; and somewhere - they threaten after issuing a loan. All these negative reviews are left by those who remained dissatisfied with the service in the "Left Bank". In fact, there are many such recommendations: the bank employees are guilty somewhere, in some situations the fault lies with the client.
At the same time, there are also positive characteristics - the operations that interested the client were carried out successfully, and in the end the visitor of the branch was satisfied.
That is, in fact, it is definitely to say that in this institution you will be served "at the highest level" or "terribly", it is impossible. Maybe it all depends on the people the client is facing.
Interesting also in order to understand howarranged a bank, will be feedback from employees. On them you can see the work of any company from the inside. Positive characteristics of employees indicate, for example, a friendly team, interesting work, a good schedule and a developed corporate ethics in the bank. Although there are also negative reviews, which speak of rudeness on the part of the authorities, about work not on the labor one, but under a civil-law contract (which means a lesser degree of protection of the employee's interests), salary "in an envelope" (when the minimum wage is officially paid , but in fact the employee receives a completely different amount). Judging by the feedback, this is also present, so it is impossible to call the conditions of work ideal. But there is stability, the possibility of growth and, in the end, experience.
