Bank Eurokommerz: reviews. Opinions of users and customers, feedback on services

Bank Eurokommerz, whose comments are left both positive and negative, is, in fact, an open joint-stock company and a multi-disciplinary financial institution. The institution provides a wide range of banking services not only for individuals, but also for corporate clients. The bank started its history on April 20, 1992 and since then has been fulfilling its obligations.

Landmarks in work

The range of products offered by Eurokommerz Bank, whose comments on this issue have a purely positive connotation, are universal offers adapted to a wide range of consumers. The policy of the institution is balanced and stable in terms of attracting deposits from individuals. The customers of the institution have the opportunity to choose the most convenient format for cooperation among a large number of programs. Many customers are positive about specialized products for narrow categories of people. These are universal programs for civil servants and for employees of the budget segment, for pensioners and for law enforcement personnel, developed in view of their profitability and specificity of work.

Investors on partnership with the bank

The bank "Erokommerz", whose recommendations are recommendatory, offers one of the highest interest rates on deposits on the domestic financial market. According to many clients, only within the framework of this financial institution, the amount of accruals can be up to 16.37% for ruble deposits and 4.5% for dollar ones. In accordance with the terms of the program, the duration of the partnership in this case will be 370 days. The deposit program is known in the broad masses as "Monaco", for it is inherent in automatic prolongation and the possibility of replenishment. On average, the bank's rate, depending on the partnership program and the duration of cooperation, can range from 10.2% and up to 16.37% for ruble accounts, and from 1% to 4.5% for accounts in European currency and in dollars. Investors readily accept the proposals of the financial institution and leave very positive comments about them.

And what about payments?

Bank Eurokommerz, which is confirmed by the testimony below, throughout its history has always fulfilled its obligations. The financial institute has suffered difficult times: the crisis of 1998 and 2014. Investors do not leave mass responses that the financial institution does not pay and ignores appeals. Despite the minor inconveniences that some clients write about, in particular the delay for a few days with the payment of a deposit and interest on it, or an incorrectly accrued interest, seem insignificant against the background of the problems faced by customers of bankrupt banks that can not return their money at all . Bank "Eurokommerz", whose comments are pushed for partnership, is credible in connection with the long history.

The work of the bank during the December boom in 2014

As evidenced by the reviews, the bank Eurokommerz deposits and interest always tried to pay regularly. Worthy of receiving customers, he and during the December chaos with a sharp fall in the ruble. People note that the scheme of service during this difficult time was adequate and focused on the interests of each person. The service of all interested persons, and there were many of them, was conducted not only by the operators. The clients were managers and credit managers. People especially noted the fact that the bathroom was working for the clients within the office, which left a positive impression of cooperation. In the responses it is said that for the convenience of the depositors, as of January 2015, there was a separate operator's window in the Moscow branch of the bank, which dealt exclusively with issues related to deposits.

What do the ratings of the bank say and whether they have an impact on the activities of the financial institution

In February 2012, the National Rating Agency set a rating for the financial institution. Bank Eurokommerz received the category "BBB" and the second level of creditworthiness. On February 5, 2015, the NRA confirmed its preliminary decision and the "BBB" category. The only "but" is a negative outlook for the further development of the bank. The relatively high rating on the national scale is due to the high proportion of assets with instant liquidity included in the bank's net assets. We can talk about a good level of capital adequacy, which opens up broad prospects and opportunities for increasing the volume of active operations for medium-term prospects. The high valuation is largely due to the contributions of individuals, 96% of which fall under the guarantee of the Deposit Insurance Fund. The pressure on the rating level and, in particular, the basis for the negative outlook, amounted to an increase in losses already in the second half of 2014. There was a twofold increase in overdue debts and a low ratio of collateral and growth in the loan portfolio. Despite the dissemination of this information by special agencies, the activity of the bank has not changed. "Eurokommerz" - a bank whose reliability rating was questioned, continues to fulfill its obligations.

Minor dissatisfaction

As well as about any other financial institution, this institution can meet not only positive but also negative feedback. The bank "Eurokommerz" (Vladikavkaz), for example, is often estimated as a low-professional financial institution. There are references to inappropriate behavior of the operators. Some people talk about the rudeness of employees. On the other hand, quite often there are refutations, in which the bank's customers believe that negative statements have no objective basis. "Eurokommerz" - a bank whose reliability rating is quite high against the background of the actual situation in the financial world, is characterized as a reliable institution with which many citizens of the state gladly build partnership relations. It is very difficult to talk about which of the descriptions of partnerships is true.

View from the inside

Eurokommerz is a bank whose branch addresses (by city) are available on the main site of the institution, described by employees as a good financial institution. Employees of the institution constantly emphasize the remarkable team and at a decent level of wages. The bosses treat their subordinates with great respect. Bank "Eurokommerz" (Vladikavkaz) has never practiced rudeness, insults and rudeness at any level of management. A healthy atmosphere within the financial structure imposes a significant positive impact on the level of customer service.

What do they say about lending?

Another advantage that Eurokommerz Bank (Moscow) can offer, whose addresses will be presented below, are favorable lending terms. Customers talk about the possibility of receiving cash in the amount of 10 thousand rubles and 550 thousand rubles. Pleasantly pleases many the possibility of pre-repaying a loan without any additional fees in any amount and at any time, which opens up opportunities for savings by reducing overpayments. Bank Eurokommerz deposits and deposits offer, taking into account the interests of the residents of the state, which gives it certain competitive advantages. As practice and numerous reviews have shown, the financial institution does not deceive its clients by charging hidden commissions and withdrawing unforeseen payments. The serious attitude towards their obligations is not affected even by the negative forecast of agencies and the low rating. Bank "Eurokommerz", despite small collapses in the work, continues to conduct its professional activities serving many customers at a sufficiently high level.

For your reference: in Moscow, bank branches can be found at the following addresses: Kotlyakovsky 1 st per., 1, p. 99; Ul. Obraztsova, 4; Ul. Sharikopodshipnikovskaya, 13, p. 3.