Bank "Mikhailovsky": feedback from employees and customers

In today's article, we'll talk about one of the small regional banks operating in Russia. This is the bank "Mikhailovsky", which will be reviewed further. The institution began its work in 1994 in the Volgograd region (the city of Mikhailovka - hence the name). Already in 2008 the office was opened in the capital, and in 2013 the institution showed an authorized capital of 252 million rubles.
About how Mikhailovsky Bank is working today, reviews of clients and employees - read in this article.

Structure

In general, the management of the bank is carried out by several bodies. Firstly, this is a meeting of shareholders, at which common, most significant issues in the institution are decided. Secondly, there is a board of directors and the board of the bank. These elements are engaged in executive activities and are accountable to the shareholders' meeting. In particular, there is a chairman of the board - a person responsible directly for the activities of the board, which personally takes the most important decisions. Thirdly, further in the hierarchy there are structural divisions specializing in the solution of certain problems.
Such a structure, it may be said, is typical for banking institutions. With it, the bank "Mikhailovsky" can most effectively perform all the stream tasks and make decisions on more global, key points in development.

Service list

If you look at the list of services that the institution provides to its clients, it is typical for the banking sector. There are three groups of entities that may be interested in the bank's services: private (physical) persons, companies (legal), and financial organizations. Each of them presents various types of services, such as lending and depository activities, cash services, securities trading, transactions with bills and others. Bank "Mikhailovsky" (customer reviews confirm this) has its official website, which contains a description of tariffs and options available.

Ratings

To understand a little more about this institution, it is necessary to pay attention to the polls in which it participated. After all, the fact is that each bank constantly receives ratings from agencies and companies that compose rating lists on certain issues. Due to this, the clients of the bank, who were not previously serviced by them, can find out at least approximately what they are dealing with.
Of course, the Mikhailovsky Bank, which is not easy to find reviews about, is not so large an institution that there is a lot of information about it. In the rating, where the volume of assets of Russian banks was estimated, it ranks only 535th place (1.56 billion). In another list, where the sizes of deposits of citizens and companies are noted, this structure is at the 505th place (316 million). If we talk about loans, the bank takes 544 lines with a total of 75 million rubles.
For a small regional bank from Mikhailovka, this, of course, is the result expected - clearly, in fact, that they do not expect to occupy leadership positions on the all-Russian market.

Customer Testimonials

As to how his clients respond to the institution, then with this everything is quite predictable. Characteristic of the bank, "Mikhailovsky", really, does not have much: people write that at first they were afraid to invest their money here, because of its little-known. But in general, cooperation with the institution attracts with simplicity and reliability. The bank has a small network and not so many customers, but with respect to employees it can be said that here everyone is valued. And this applies to both those who invest funds and people who make loans.
It is positive to note the desire of the management of the structure to expand the influence network and, thus, provide a comfortable service for each client. The bank has one branch in Moscow and several in Volgograd (including the central office). In the Volgograd region, the network of Mikhailovsky ATMs is expanding, which makes it possible to talk about the comfortable service of the residents of the region to cover this institution.

Internet banking

Despite the fact that we are talking about a relatively small structure, the bank operates its own Internet banking for corporate clients. It is quite simple and performs only basic functions that can be claimed by companies and organizations. But with the help of this online platform, a number of operations and functions interacting with corporate clients are substantially simplified. Perhaps in the future, such a site will be open to private individuals, who are served here.

Employee feedback

There is practically no information on the network from people working for the Mikhailovsky Bank. Reviews may not be left because of the relatively small staff. We can also assume that there is not such a large staff turnover, but this is a good indicator. In his favor, the second factor also plays: on the sites with vacancies at the time of writing the article, there were no open proposals regarding employment in the Mikhailovsky Bank. Reviews of employees, for this reason we were not able to find.
In general, the institution has been successfully operating in the market for quite a long period of time, it can be concluded that the staff here have acceptable conditions, since no major scandal has yet arisen. Otherwise, it would be written about on many websites with reviews.

conclusions

Summarizing all of the above information, which, alas, not so much, we can draw the following conclusions. Those characteristics that we managed to find, in general, praise the bank "Mikhailovsky": reviews of loans, deposits and other services that the institution provides are positive. Information about the fact that they are inappropriately treating customers or conducting some fraudulent transactions, we also could not find. Let's look at the obvious facts: the bank has been working for many years, albeit with a relatively narrow circle of customers. During all this time, he is building up his assets (which can be testified by open source data on the financial indicators of the institution), which proves the profitability of his work. Therefore, to answer the question of whether it is worth contacting this bank, if you are satisfied with all the conditions, you can positively.