"AiManiBank": problems, rating, customer reviews

"AiManiBank", whose problems are limited to dissatisfaction with a certain percentage of customers, only recently was known only in Gorno-Altaisk. In the past two years, the financial institution has been active, allowing it to enter the federal level and become one of the largest banks in the country. At the moment the network of branches has 31 offices in different parts of Russia. The Financial Institute works only with individuals who are available a wide range of services. Among the proposals are deposits and rent of safe cells, a wide range of loan products. The most demanded service that draws attention to such an institution as "AiManiBank" in St. Petersburg and in other cities of the country is car loans.

History of the Bank

The base bank for the opening of such an institution as "AaiManBank", whose problems were not avoided during the economic crisis, was the "AltaiEnergoBank", opened in 1992. His story ended in 2013. During this period in the financial world, as a result of rebranding, "AiManiBank" appears. At the first stages of the work, AltaiEnergoBank provided services exclusively within the same region. Since the mid-2000s, the management of the institution has taken a serious decision to enter the federal level. Since 2009, the institute is listed among the top 500 banks in the country. After re-branding, the financial company changes the location of the main office, which has now moved to Moscow. In 2013 there is a complete change in the development strategy of the institute. If in 2012 the main focus was on consumer lending, then, beginning in 2013, the main forces were directed to the registration of car loans. By the end of 2014, "AiManibank", a problem that did not manage to comprehend as its predecessor, has already entered the list of the top ten banks of the country in terms of the volume of issued loans for the purchase of a car. Today, car loans remain a priority. Other banking products were raised to a higher level.

Active development of car loans

As mentioned above, the main banking product of the Institute is car loans. It is in this direction that active activity is being carried out, integration with dealer networks for the sale of cars is being carried out. New partnerships are systematically being formed, the list of points in which private clients can receive a loan is expanding. Most of the products, except for deposits, are targeted at customers who have already received a car loan. They can be viewed only as convenient and beneficial additions to loan servicing. The management pays much attention to convenient banking services for its customers anywhere in the country. Each client has access to such tools as a personal account on the official website of the institute and the Internet bank "AiManiBank" - "Ai-Click". Remote access to accounts is constantly being improved. The list of Internet services is systematically expanding, new opportunities appear, and the level of security improves. Negotiating with new potential partners, the bank's management constantly expands opportunities in terms of paying for its services, offering new methods of calculation. Today the car loan can be repaid on special preferential terms through such payment systems as "Leader" and "Eleksnet", "Rapida" and QIWI, CyberPlat. "AiManiBank" in St. Petersburg and its other representative offices in the country are members of the "United Settlement System", which includes 120 domestic banks, forming a 40-thousand representation.

Reviews about the work of the bank

"AiManiBank", whose office addresses are very easy to find in the largest cities of the country, attracted a large number of clients with their offers, which caused the emergence of a huge amount of feedback on partnership with the institute. Experts, having evaluated most of the reviews, agreed that the bank has both advantages and disadvantages. Many customers in a positive way talk about the diversity of car loans. Pleased to return some of the funds to the bank account when buying fuel on the map of the institute. "AiManBank" reviews are not only positive. There is a fairly large percentage of customers who complain about the dubious reputation of automobile stores with which the bank has a partnership. With regard to deposits, quite often people talk about the intricate terms of partnership and a fairly complex system of interest calculation. As for exclusively car loans, the main emphasis is on a fairly large overpayment. There are people who received not promised in the advertising package of services, but stumbled upon a gross refusal. As for the map "Autopilot", here opinions are divided. There are many customers who are completely satisfied with this banking product. There were also cardholders whose plastic was blocked after several months of use together with all the means that are on it. According to them, CB "AiManiBank" demanded to provide a package of copies of documents due to their absence in the database. With early repayment of the loan for the purchase of the car, refusals to return insurance were noticed.

Ratings and insignia

The main financial indicators were taken by "AiManiBank", whose problems are limited by indignation on the part of clients, which is typical for every financial institution, in the list of the top 200 banks of the country. The largest banking portal Banki.ru, according to customers' estimates of banks that are visitors to the project, provided the institution with a position in the top ten financial institutions of the country based on the results of the national rating. In 2014, the "Expert RA" agency recognized the Internet bank of a financial institution as one of the most functional Internet services in the country. It can be concluded that the leadership of the institution was not wasted. According to Moody's, in 2014 the institution was assigned a Baa3.ru rating on the national scale, and B3 on the international scale. The bank is marked as stable. Agency "Rus-Rating" also noted the bank as stable and assigned it a national rating of ВВВ + and international ВВ.

What does not suit the clients of the bank in car loans?

Due to the fact that LLC "AiManBank" specializes in car loans, a large number of reviews about the financial institution is associated with this type of product. People write that at the stage of registration of partnership, bank employees do not always provide truthful information about the conditions of lending. There is information that when signing an agreement, bank experts voice certain loan conditions, and after the documents are already signed, they turn out to be quite different. As for the last comment, then the customers themselves are to blame. People, trying to save their time, simply do not bother reading the multi-page contract and put the signature right away. This causes an unpleasant situation later, when it comes time to make a monthly payment. Such discontent can be seen not only in relation to such an institution as "AiManiBank" in Moscow, but also in relation to other banks. In contrast to negative feedback about the company, you can find many words of gratitude from customers who skillfully chose a car loan and regularly fulfill their obligations on it.

Future plans

"AiManibank", whose rating is at a fairly high level, for the majority is not so much an ordinary bank, but a service that provides assistance in obtaining auto loans. One of the specializations of the bank is lending on the security of motor transport. Now there are about 30 branches around the country, the management plans to open at least 50 more branches. Offices are planned to be located in each of the federal districts of Russia. This will allow for prompt and high-quality servicing of all corporate clients. In the long term, it is planned to attract foreign investors to the financial institution, which will open the way to the establishment of the top 100 Russian banks. The idea is planned to be implemented in the next three years. For the next five years, the Bank plans to enter the leading position in its segment of activity. If you believe the business plan of the bank, which is now implemented ahead of schedule, in the future it will become the most dynamically developing financial institution in the country.

Reporting as of May 1, 2015

Establishment of "AiManiBank", whose reliability is at a sufficiently high level, belongs to the category of medium-sized Russian banks. He owns the 170th position on net assets in this category. As of May 1, 2015, the net assets of the financial institution amounted to 22.87 billion rubles. Total assets for the year increased by 8.12%. The growth of assets had a negative impact on ROI. According to the data for the nearest reporting period, as of April 1, 2015, profitability decreased from 0.76% to 6.63%. Moody `s agency reports that the financial institution is exposed to high credit risks, and the level of creditworthiness remains low in 2015. There are all chances for a further decline in the rating. Compared with the indicators and estimates of 2014, which were noted above, the situation worsened. If we compare the work of the bank with other financial institutions of this category across the country, then it is difficult to call it negative. The financial institution did not have to face the interim administration and the liquidation or bankruptcy procedure. Despite the difficulties that are typical for the whole financial sector of the economy in the country, the institute has not lost its responsibility. Deteriorating indicators or declining statistics during the period 2014-2015. More is perceived as a norm, rather than a malfunction. Almost all banks hit the crisis, and "AiManiBank" is no exception. The fact that he continues to work and expand his network of branches, despite tough economic conditions, only increases customer loyalty and increases the level of trust.

Deposits

Establishment of "AiManBank" attracts very active contributions. This is due to the numerous number of shares and bonuses that many investors are attracted to. Attention is relatively high on the financial market interest rates, which range from 13.07% to 15% depending on the program. The most profitable proposal of the financial institution is 16.29% on the deposit, which provides for the capitalization of interest. At the moment, the financial institution is regularly fulfilling its obligations, and reports of non-payment of interest or principal amounts of the deposit are not yet available. There are people who talk about fulfilling promises by a financial institution. "AiManibank", deposits of individuals that accepts to this day, provided one of the customers with a TV after the end of the deposit. You can observe a slight change in the volume of deposits with a parallel increase in the amount of personal funds of the bank, with the ICD and correspondent accounts inclusive. Interest rates of the financial institution on deposits increased by about 10.4%, from 17.4 billion rubles to 19.21 billion rubles.

Liquid assets

Among the liquid assets of the bank belong those funds that can be transformed into money in the shortest possible time in order to return them to investors and to fully fulfill their obligations. Liquidity is a component of reliability. Liquidity of assets suggests that over the past month there has been a change in the volume of highly liquid securities, there was a growth in cash in the cash departments and on the accounts of the Bank of Russia. Interbank loans increased, and highly liquid assets, taking into account discounts and adjustments, changed from 4.01 billion rubles to 9.78 billion rubles. For the last reporting period, "AiManBank" deposits of individuals increased several times, which was accompanied by an increase in liabilities to customers. In parallel, during the last year of the financial institute, due to the economic situation in the country, the outflow of capital for the year increased from 1.08 billion rubles to 1.75 billion rubles. A comparison of highly liquid assets and the outflow of capital forms a ratio of 558.26%. This shows an excellent margin of safety, which can overcome a much larger outflow of capital than the one that takes place now.

Summing up

Assessing the situation with the bank "AiManiBank" (reviews, ratings and statistics), experts refer the financial institution to the category of relatively reliable institutions. It is recommended for investments, but in the amount of not more than the insurance provided by the deposit insurance agency in the amount of 1.4 million rubles. The downgrade of Moody's rating, with a long-term negative outlook inclusive, which caused panic among investors, has more to do with the economic environment that has developed in Russia today than to the activities of the bank itself. The bank itself simply reduced the volume of issued auto loans, but it did not violate the rules and continues to fulfill all its obligations to customers. There are no grounds for investor excitement today, and the main credit goes to the deposit insurance agency. Prudent investors are not advised to make deposits for the reason that in case of unfavorable developments their funds may simply be frozen. As for the feedback from customers, they are both positive and negative. As in the situation with other financial institutions of the country, it is impossible to satisfy the interests of everyone. Moreover, because of their carelessness and negligent attitude to cooperation with banks, the people themselves agree on conditions that are not very beneficial for their specific situation and then express their indignation. A little care, a detailed consideration of the terms of the partnership, a suitable bank product - and cooperation with the bank will leave only pleasant impressions. For any claims, special services of the agency react immediately.