"Growth Bank": reviews. Credits, deposits, branches

In our country there is a huge number of banks - both very large and very small, little-known. However, the value is not always an indicator of better quality of service, beneficial offers and conditions, although it does not exclude such an opportunity. Many, when deciding on the choice of a credit institution, are guided by its "name", that is, fame. However, this is not the best way. Before becoming a client of a particular bank, you should carefully study all the nuances of working with him, learn the rating, read reviews of those who have already used his services. In this article, we suggest that you familiarize yourself with the organization "Growth Bank." Reviews, rating, conditions on loans and deposits, as well as other information important to the potential client, will be offered and evaluated in the submitted material. So, we begin to get acquainted.

About the bank: history

OJSC "Bank Rost" carries the history of two banks, which as a result of the merger formed a new credit organization with the same name. Initially, there was a bank "Kazan", operating on the market since 1994. It was then that the first deposit was opened and a department for servicing individuals was created. At the time of the opening of the charter capital of the partnership was only 100 thousand rubles, and on the day of accession it was fixed at 1.675 billion rubles.

Over the years, the bank has transformed into a joint stock company, has continuously developed, increased its assets, expanded the network of branches and representative offices throughout the country. And in June 2013 he assumed the role of "adoptive parent" by joining the joint-stock bank "Rost", which at that time had an authorized capital of 2.375 billion rubles and more than 30 billion rubles of assets. This event became very significant in the financial life of the country - a really powerful, large and stable credit organization with a wide branch network and impressive financial indicators was formed.

Bank today

Credit organization OJSC "Bank Rost" operates on the basis of the General License of the Bank of Russia throughout the country with the location of the main office in Moscow. Its distinctive feature is a reasonable conservative strategy, related to work only in the real sector of the economy, and the main source of income has been and remains lending to enterprises in this sector, as well as services. Thanks to the recent merger of capital and assets, the bank has expanded its financing and lending capabilities. According to the statement of the credit organization its main value is the interests and needs of clients, and all relationships are built with the expectation of long-term cooperation. A significant advantage and pride of it is reliability, proven for years.

The main beneficiary of the bank at the moment is Elena Vlasova (in 2012 she acquired the bulk of the shares of "Kazan"), which owns about 50.5% of the shares. The remaining significant part is in the hands of the other four shareholders - Anatoly Zolotykh and Valentina Aleksashina (approximately 16.6%), Elena Tarasova and Elena Kossova (about 8% each). The bank's president is Artem Henkin, and Vsevolod Morozov is chairman of the board of directors.

"Growth Bank" maintains correspondent relations with large Russian ("Rosbank", "Uralsib") and foreign (Credit, Dautsche Bank, VTB Bank, etc.) credit institutions. He is a member of the Association of Russian Banks, the Moscow International Monetary Organization, participates in the trading of the currency market of CJSC MICEX Stock Exchange and Moscow Exchange.

Positions and ratings of the bank

Today OJSC "Growth Bank" is included in TOP-100 of the largest credit organizations of Russia. This is a very important confirmation of the reliability and proof of the bank's ability to meet the needs of its clients in financial and credit services. The entry of the organization into this list is due to a number of principles of its daily work:

• Quite conservative investment and credit policy;
• Work primarily with the real sector of the economy;
• The combination of an individual approach with innovation in customer service;
• Availability of products and services of the bank;
• Openness to partners and customers;
• Competent risk assessment.

Today we can observe an adequate loan portfolio with good quality indicators, which, due to observance of these strategic principles, has formed "Bank Rost" over the years of its existence. The credit rating assigned to him by the Expert RA agency in 2014 was raised to "A +" (very high) with the forecast "developing." According to Standard & Poor's estimates, the bank received a long-term credit rating of "B-" and a short-term "C" with a "stable" outlook. Both agencies spoke about the quality of the credit portfolio of the organization positively, appreciating it highly enough. This gives grounds to believe that the organization is stable and you can trust your money. Many make deposits or draw up loans in the branches of KO "Growth Bank." Experts' comments predict stable and systematic development and strengthening of the organization's positions in the financial services market.

It is interesting that the bank has its honorary positions in the regions. Thus, the branch of the organization "Bank Rost" (Rostov-on-Don) won first place in the contest conducted by the Guarantee Fund of the Rostov region. It took place in August 2013 and was associated with the provision of the foundation with guarantees for loans to small and medium-sized businesses. The interest rates, conditions and reliability of the organizations themselves were evaluated. As a result of the victory, an agreement was signed for the amount of 20 million rubles, which Bank Rost (Rostov-on-Don) received to lend to the real sector.

Bank services

Like most credit institutions, the bank offers its clients a full range of standard financial services. "Bank Rost" accepts deposits and deposits, issues loans to private and corporate clients, medium and small businesses, carries out cash settlement and depository services, provides guarantees, works with letters of credit, conducts payroll and other projects. Their full list is wide enough. Some of them operate throughout the territory of our vast country, only "Growth Bank" -Moscow (for example, related to inter-bank lending) provides specific services.

The most interesting conditions for the overwhelming majority of the population are deposits and lending opportunities. It is on them that we will dwell in more detail.

Contributions: types and conditions

Simplicity and convenience are important criteria for all products offered by "Bank Rost". Deposits are a vivid confirmation of this. In a credit institution, there are two main types of investments for private clients. These are the tariffs "Free Growth" and "Maximum Growth". Let us consider in more detail the conditions of each of them.

Free

The first is a kind of purse with "dripping" interest on it. What does it mean? This deposit is opened on demand, and withdrawals do not affect the interest rate. You can replenish the account, as well as withdraw money, at any time. At the same time, the minimum balance is fixed (10 thousand rubles), and the interest is high enough for a deposit with such conditions. The maximum amount for this tariff is 30 million rubles or a million dollars (which practically does not limit the ability of customers). The term of the deposit is from three months to a year with the possibility of prolongation of the contract. Percentage - the relative value and is established depending on the period and the amount of the initial payment (maximum 9.2%).

Maximum

If you do not plan to withdraw money during the term of the deposit, it will be more profitable to use the "Maximum Growth" deposit. At this rate, the bank offers the best interest rates with their capitalization. In addition, there are favorable conditions for early termination of the contract. Like the previous one, this contribution can also be replenished during the validity period. As for interest, they reach 10.5% in rubles and 4.5% in foreign currency. There are also significant differences in terms and amounts. So, the minimum payment is lower and is 3 thousand rubles, and the deposit term is stretched from a month to three years.

There is a convenient calculator on the bank's website, where everyone can calculate the interest on the deposit depending on the planned amount and time. In addition, individual and priority services are provided for depositors of the bank. The first is provided with an investment of up to 4.5 million rubles and includes special conditions for banking services, a personal manager, VIP offices and so on. The second - with a deposit of 1.5 million rubles. In both cases, the client receives a lot of very pleasant privileges.

Credits: cash

Private customers "Bank Growth" loans are given for a very large amount - up to two million rubles. The reasons for making loans here are formed by the employees of the organization and can be expressed in four words:

• Honestly - without hidden fees;
• Profitable - very low interest rates;
• Quickly - the decision on the application is made within two days;
• Simply - the package of documents is reduced to a minimum (only a passport is required).

What are the conditions for potential borrowers of the bank? As mentioned above, the maximum loan amount is two million rubles, the minimum amount is 30 thousand. This money can be taken for a period of up to five years (or pay off and for six months). In this case, early repayment is possible without any restrictions. The most interesting is the percentage. It can be set at a rate of 17%, which is lower than that of similar products in many other banks. Payments are annuity, and the date of their implementation you choose independently.

We sorted out the conditions. Now we need to understand which bank sees its borrower. The standard requirements are age from 20 to 65 years, the presence of at least three months of work experience, preferably a declarative proof of income (this increases the chances for approval of the loan and obtaining a larger loan amount).

Car Loans

The previous loan option suits those who plan to use money for personal or household purposes, for example, for a trip to the sea or for repairs. If your dream is a brand new car, it's better to use a special product. What is attractive for a car loan issued in the "Growth Bank"? The feedback of owners of cars using this service describes the very bright conditions of its provision. Firstly, this is the minimum package of documents (only a passport and a questionnaire are needed) and the opportunity to process an application without a visit to the bank. Secondly, low interest - from 8.9% in the absence of other commissions. The amount to which you can count, reaches 10 million rubles, and the time stretches to 7 years! At the same time, consideration of the application lasts no more than two hours, which further approximates the borrower to the cherished purchase.

In order to take advantage of the loan, it is necessary to arrange personal insurance (in three categories), to have Russian citizenship and age to 55 years. For this product you can buy commercial vehicles, as well as special equipment.

Available Mortgages

To date, there are several interesting programs for the purchase of housing, which offers "Growth Bank." Mortgage issued by this credit institution has the following criteria:

• convenience;
• availability;
• Simplicity.

Borrowers planning to buy an apartment in a mortgage can count on a rate of 8.5% per annum. At the same time for housing in new buildings provides for 100% installment installment of the initial payment. As such, the use of maternity capital is allowed. In "Growth Bank" borrowers are invited to participate in programs with government support, among them - "Young Scientists", "Military Mortgage" and others. There is also an opportunity to take a mortgage under the AHML programs. Any transaction, if desired, will be accompanied by a personal mortgage manager.

Using a special calculator on the bank's website, it is easy to calculate in advance the approximate costs associated with issuing a loan, and also to find out approximate monthly payments depending on the term and amount of the loan. As an example, you can quote a loan for one of the most popular programs - "Residential Housing". With an apartment price of 4 million rubles and an initial installment of 30%, the amount of borrowed funds will be 2.8 million rubles. We enter into the calculator this data, as well as the monthly aggregate income of the family - say, 80 thousand rubles. If you make a mortgage for 20 years, then the rate will be 13.35%, and the monthly payment - 33.5 thousand. If you use the state program AHML in this case, the interest on the mortgage will decrease to 11.85%, and the payment will decrease to 30.5 thousand. Changing the initial data, you can choose for yourself the most appropriate loan conditions.

Bank cards: features

Which bank today does without plastic cards? It is unlikely that there is one. "Growth Bank" also has its own interesting developments in this segment. Cards are issued debit, which is due to the conservative policy of the bank. However, they have a number of interesting advantages. So, for the balance of funds on the card you will be charged interest at a rate of 2-4% monthly. It can be paid in almost any country in the world, and the conversion of funds is carried out in the most favorable way - at the rate of payment system.

The cards are issued in different categories - from Electron to Infinite and Platinum, have a stylish design, and also provide opportunities for discounts on car rental and hotel reservations (within the framework of a special privilege system). With the help of them you can make purchases on the Internet, pay for mobile and city services, Internet providers, television and so on. Credit organization "Growth Bank" ATM has in all the cities of presence. In addition, you can withdraw cash with a "preferential" commission (0.8%) through AVM Bank Uralsib.

Useful information for customers

To date, "Growth Bank" branches has 74 cities in Russia, but continues to actively expand the network of offices and offices in the regions. A Russian citizen residing in any locality can get a consultation of specialists and become a client of this credit organization.

In order to get acquainted with detailed information about the bank's products, its services and financial activities, the official website exists at Rost-Bank, which is located at www.rostbank.ru. It is made in a laconic, but modern design and differs significantly from the resources of other credit institutions. Here you can find information about the bank: information about the history of its establishment and activities, look at the ratings of various agencies, financial information, learn about the products of the bank and the terms of their provision, use the calculators of deposits and loans, as well as receive other information about OJSC "Bank Rost "(Requisites, contacts, partners, etc.). Also on the website of the credit institution in the upper left corner there is a link to the Internet bank ("Cyberbank"), through which you can enter your personal account to check accounts or perform any financial transactions.

For the prompt communication with the specialists of KO "Rost Bank" phone is listed in the most prominent place on the top of the site. The hot line for free calls is 8 (800) 250-88-88, for questions of cooperation and offers there is an e-mail - post@rostbank.ru. City location of the main office of the joint stock company "Growth Bank" - Moscow. In total in the Moscow region there are thirteen of them - one central and twelve additional. On the site of OJSC Rost Bank, you can find out the address of your office in your city by selecting the corresponding settlement in the upper right corner and opening the Contacts tab. Here you can find the city number of the bank branch. The central office in Moscow is located on Stanislavsky street 4/1.

Customer perspective

Of course, every bank has both grateful customers and those who are dissatisfied with anything. At the moment, the national rating of KO "Growth Bank" is 50.4% of 100%. This, of course, is not the best indicator, but also good. Based on 28 reviews and 13 ratings, the bank today is on the 17th place out of 225 (according to the banki.ru website)! This is a positive situation and speaks about the very successful work of the credit organization, careful service of specialists and a high level of service.

In order to approximately imagine what they are happy with, and what the bank's customers complain about, we'll look at some of the feedback they left. In many cities (Kazan, Vladimir, Nizhny Novgorod, etc.), visitors note a pleasant atmosphere in the office, attentive service and interest in solving problems by specialists. And here is one of the clients of Bank "Rost Rost" (Rostov-on-Don), who has made a deposit here, notes that the deposit terms are among the best in the city, the staff are competent and very polite, the office is beautiful. The only drawback that causes inconvenience to customers - there is only one branch in the city, but in general, everyone likes this bank. Other clients of this bank also agree with this opinion, who also note attractive interest rates on loans. But a resident of St. Petersburg, a permanent contributor to KO "Bank Rost" (St. Petersburg), was impressed by the lack of queues, in contrast to the branches of other lending institutions. Produces a positive effect and very helpful staff (the chair is offered for comfortable communication, explains everything in detail and patiently, opens the deposit quickly, and even gives the gift).

Of course, there are also negative reviews. Some of them are related to the use of ATMs, untimely update of information on the site (which sometimes leads to unpleasant embarrassments), technical problems and ill-will of certain employees. In general, there is much improvement, and some shortcomings in the work should be eliminated, but in general the bank deserves praise. The main thing now is to keep our positions at a high level and strive for their strengthening.

Conclusion

Today we got acquainted with a little known in a wide range of credit organizations, "Growth Bank." Reviews of his clients deserve to pay attention to them and take advantage of the bank's services. Its main advantages are a moderately conservative policy regarding the provision of loans and an orientation toward satisfying the interests of clients with maximum benefit to them. Many of those who have already used the bank's services, note quite pleasant credit conditions and high deposit rates. In addition, often in customer reviews, employees of "Rost Bank" are noted as competent and courteous specialists, and indeed they are the face of any organization. Due to some conservatism in its work, the bank has established itself as a reliable and stable credit institution, with whom I want to cooperate for a long time. By the way, "Growth Bank" almost does not advertise itself, and the best source of information about it is word of mouth.