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St. Petersburg is one of the largest regional banks in the Russian Federation

2016-07-25

Bank Saint Petersburg is the largest Russian commercial bank operating at the regional level. The financial institution operates in the form of a public joint stock company. As of 2015, the bank has 48 offices in different regions of the Russian Federation. The branch network is constantly expanding. The headquarters is located in St. Petersburg.

PJSC Bank Saint Petersburg operates on the basis of a license issued by the Central Bank on September 19, 1997 No. 436. The main regions of service: Leningrad, Moscow, Kaliningrad and Nizhny Novgorod regions. Founded 1990.

 

Bank foundation: main stages of formation

Since the founding of Bank Saint Petersburg, which was initiated by the State Unitary Enterprise Petersburg Metro, the Bolshevichka factory and other state organizations, its active activity began. Since 1995, when the bank launched its own processing center, it ranks first among the regions financial institutions. It is Bank Saint Petersburg that is one of the first to issue plastic cards. Over the next 5 years, the list of services is expanding.

In 2007, the bank held an IPO. Today, the securities of a financial institution are listed on many Russian stock exchanges. The bank refused to work on foreign exchanges.

 

Financial institution activities

The results presented in the materials of the annual financial statements confirm the fact of the banks stable position in all segments of services. The list of services that St. Petersburg provides online clients is huge. At the same time, it is necessary to highlight several key areas that are the specialization of a financial institution. We are talking about lending to all forms of business and private clients, foreign exchange transactions and work in the securities market, cash settlement services, lending in the interbank market, and other types of corporate and private services. The bank has its own processing center, which allows full service of all types of cards.

 

Achievements

The number of corporate clients that use the services of Bank Saint Petersburg exceeds 56,000. The rate of servicing private clients is quite high for a regional bank: as of 2015, the number of individuals, the banks clients, exceeded 1.5 million. ... The huge audience of users of the services of a financial institution requires an expansion of the range of services, and in this respect the bank demonstrates high achievements. The terminal network has more than 1,500 self-service kiosks, and the ATM - about 500. By expanding the network of self-service services and introducing Internet services "St. Petersburg" online, the bank attracts new businesses within the framework of salary projects. In 2013, Bank Saint Petersburg completely updated the Internet banking system. The new version offers an updated interface, as well as a number of new options that allow you to perform almost any financial transactions online.

The success of the banks activity lies in a competent strategy, which is constantly being improved taking into account modern realities, as well as a civilized business conduct.

Awards and achievements

The banks activity in the services market does not go unnoticed by agencies and other publications. There are several achievements of the bank marked with prizes, namely:

2016 year. The Bank was awarded with an award for high-tech achievements in the service sector;
Customer eXperience award for the implementation of innovative services in the Internet banking system;
2015 year. TOP 5 for customer service. In the same year, the services of Bank Saint Petersburg were awarded with an award for achievements in the implementation of mobile services;
year 2014. Saint Petersburg was awarded as the best bank in the Russian Federation (international competition);
year 2013. The bank was awarded the first place for the development of mortgage lending.
The list of services provided by a financial institution is represented by various types of lending to individuals and businesses.

 

Lending to the corporate segment and SMEs

Referring to the banks annual reports, one can note the growth of financial indicators for all types of activities, which is a direct evidence of economic stability. In 2015, the services of Bank Saint Petersburg in the field of lending to the corporate sector increased by 11%. The loan portfolio amounted to 274 million rubles. The main directions of lending are objects of trade, construction, processing industry. Lending to SMEs deserves special attention, the volume of financing of which in the total loan portfolio of the bank is more than 23%. During 2015, business representatives received loans in the amount exceeding RUB 78 billion.

As part of business financing, Bank Saint Petersburg offers a number of specialized programs aimed at overdraft lending, purchase of bills of exchange, business development, investment goals and many others.


Mortgage lending from Bank Saint Petersburg

New housing is provided through various programs, one of which is government subsidized client financing. The fixed interest rate is valid for the entire loan period and within all programs, namely: "New building", "Apartment", "Apartment with a passport" and others.

Lending is relevant for the purchase of real estate in the primary housing market. The loan term is up to 25 years. Funds are allocated in Russian rubles. The maximum amount for the purchase of real estate in Moscow and St. Petersburg (regions) is 8 million rubles. In the regions, the amount does not exceed 3 million rubles. The initial payment is 35% of the property value.

Loans from Bank Saint Petersburg in the secondary real estate market

Lending offered by Bank Saint Petersburg allows you to purchase housing on the secondary market. For example, within the framework of the Apartment program, funds are provided in the amount of 500 thousand rubles to 8 million. Loan term up to 300 months. The rate ranges from 13.75% to 14.20%. Clients can count on a reduced rate by paying 50% (or more) of the initial payment. The minimum contribution is 20%. In addition, the bank is offering a 0.25% rate cut to customers who have used the services of Bank Saint Petersburg and repaid the previous loan. Also, a 0.25% rate reduction is guaranteed to individuals who are served as salary clients.

In all mortgage programs, it is possible to purchase housing with one passport. The procedure for obtaining a targeted loan is simplified to a minimum and does not require the collection of a huge package of documents. A prerequisite for obtaining a loan is 35% of the total value of the property. Loan rate: 14.5%. A prerequisite, which is stipulated by the contract, is health and life insurance. If it is not observed, the rate is automatically increased by 0.5%. The bank also requires property rights insurance. If the client refuses, the rate increases by 2%.

Home program. For the purchase of a private house, the conditions for the provision of funds remain standard. The loan amount can reach 12 million rubles. The rate varies from 15.5% to 16% per annum. When buying land plots, the rate is 16.5% -17%.

 

Private deposits

The financial institution offers various types of deposit programs that are designed for clients with different incomes. One of the most important deposits is the use of the online capabilities of Bank Saint Petersburg, namely, remote deposit. The average rate on deposits is 9%. Minimum amount: 5 thousand rubles. Terms range from one month to several years. A feature of remote deposits in most cases is the inability to withdraw funds before the end of the deposit term. Currently, the bank offers more than 10 types of deposits with different interest rates, terms and possibilities. The main ones are the following:

"Strategist". Interest rate 9.1%. The minimum amount is 10 thousand rubles. The possibility of depositing funds during the duration of the deposit is present. Withdrawal is possible only after the expiration date. Interest is paid at the end of the term.

"Prestige". Interest rate 8.5%. The minimum amount is 50 thousand rubles. Interest is paid quarterly. There is an opportunity to open a deposit "St. Petersburg" online. In this case, partial withdrawal of funds (up to 50) of the amount is provided, but not earlier than 30 days after the account is replenished.

"Rentier". The interest rate is 8.7%. The minimum amount is 50 thousand rubles. Interest is paid monthly. Opens remotely. Withdrawal is possible only after the expiration date. Investment of funds is not provided.

Strategist plus. Interest rate 9.3%. The minimum amount is 10 thousand rubles. Withdrawal is possible only after the expiration date. Investment of funds is not provided.

 

Inappropriate lending to individuals

Using the service "St. Petersburg" online, each client can apply for a loan. At the same time, the most advantageous offers await customers who receive their salaries on the cards of Bank Saint Petersburg. Upon receipt of a monthly amount of at least 15 thousand rubles on a salary card, clients can expect to receive funds from 50,000 to 3 million rubles. The interest rate is 15.9%. The loan term is up to 60 months.

Favorable conditions are offered by the use of a “Partner” loan, aimed at employees of organizations that are partners of Bank Saint Petersburg and operate in Kaliningrad. The interest rate is 16% per annum. The maximum loan amount is 750 thousand rubles.

As an alternative to consumer finance for clients, Bank Saint Petersburg offers credit cards with a grace period of up to 51 days. After the end of the grace period, the interest for the use of funds varies from 24.9% to 33%, depending on the type of card and the size of the credit limit.

The listed services of the bank are only a small part of the offers that are available to the private and corporate segment. Bank Saint Petersburg operates in all financial services markets and has demonstrated stable and sustained growth rates over the years.