National Bank Trust is a large commercial bank that operates in the form of a public joint stock company and is one of the leaders among Russian financial institutions in doing business. According to key performance criteria, Trust is one of the thirty largest institutions. The main area of work is focused on the retail segment, namely credit programs, deposits, as well as increasing the range of bank cards.

The number of payment acceptance points and bank branches exceeds 260 in more than 150 Russian cities. Today the Trust Bank card is used by more than 2 million Russians. At the same time, there are several thousand corporate clients. The banks auditor is Deloitte. The license to carry out activities was issued by the Central Bank of the Russian Federation under number 3279.

 

Bank Trust: reorganization

The establishment of the institute was initiated by the capital bank "Mensatep" in early 1995. In the list of retail-oriented banks, Trust has one of the largest assets. According to data for the first half of 2015, the assets of the financial institution amounted to 159.3 billion rubles, and the profit exceeded 3.4 billion rubles.

At the beginning of 2015, the Central Bank makes a decision to provide the Trust Bank with financial support. Otkritie financial corporation was chosen as the investor. In the same year, the National Bank "Trust" became part of the largest holding "Otkrytie". Thus, one of the largest players in the retail banking segment has appeared on the market. The group serves about 200 thousand corporate clients, as well as over 4.5 million individuals. As part of the Trust Group, the bank is a universal retail financial institution.

 

Retail projects

The key vector of the banks activity is the development of retail - the provision of retail services to the population. Taking into account the specifics of the chosen vector, the bank is constantly expanding the list of credit, deposit and other types of products. The focus is on lending and deposits. The Trust Bank card is actively distributed, including through salary projects. The bank allows customers to carry out conversion transactions, purchase and sale of securities. To improve the service "Trust" maintains partnerships with the largest financial institutions. In addition, he takes part in the activities of exchanges in the currency and stock market. The financial institution runs bright advertising campaigns. The banks services are advertised by Bruce Willis.

 

Performance indicators

The information provided by authoritative editions and rating agencies confirms that the National Bank "Trust" demonstrates high development indicators. RusRating has assigned the bank a “A-” level, which confirms its stability. The creditworthiness of a financial institution is represented by the “A” indicator (data from expert centers). Summarizing the information presented in various reputable publications, which is based on the volume of the loan portfolio, assets, the number of terminals, the level of customer service and the number of banking products, "Trust" regularly ranks among the thirty largest banks. According to the Central Bank, the National Bank "Trust" is among the twenty largest banks in terms of deposits in the retail segment, loans, as well as the volume of net profit.

Lending

A significant part of the banks income comes from debt financing. That is why for Bank Trust, credit is a priority area of activity.

To obtain a loan, you can contact the nearest branch or use a special form on the banks website. Funding limits are determined by the clients income. In addition, the financial institution provides a number of requirements, among which it should be noted:

borrower age - from 23 years;
employment in one company - from 120 days;
check in.
The list of loan proposals includes programs developed with flexible and specified conditions, as well as debt financing for businesses and bank depositors. Customers who have a Trust Bank salary card, as well as deposits, can count on preferential conditions.

 Mortgage credit lending

In order to become the owner of an apartment or house today and not worry about the constant growth of inflation, the bank finances mortgage loans. Within the framework of the program, as of 2016, two main loans are presented:

"Flat";
"New building".

Conditions for the program "Apartment"

The financing period is up to 30 years. The maximum amount that residents of Moscow and St. Petersburg (as well as the region) can count on is 30 million rubles. The rate is 14.25%. The minimum contribution is 30% of the property value. Through the Trust Bank system online you can get detailed advice on the loan.

 

Features of mortgage lending at Trust Bank

A feature of the formation of rates for obtaining a loan within the framework of the "Apartment" project, which is focused on the secondary housing market, is a system of allowances and discounts. So, a prerequisite for the borrower is an insurance package, if not, the rate increases by 4%. In addition, if the borrower is an individual entrepreneur, the rate is automatically increased by 1%.

At the same time, for depositing funds in the form of a lump sum, the interest rate is reduced by 1%. Also, a borrower who has a Trust Bank bank card issued as part of a salary project can count on a discount of 0.25%.

 

Conditions for the "New building" program

Loan rate in accordance with the terms of the program - 14.5%. Terms and lending are similar to buying real estate in the secondary market. The amount of the down payment has been reduced to 20% of the value of the property. Loans for the purchase of apartments are issued only in national currency.

Credit cards

One of the main challenges facing the modern banking market is versatility. This criterion primarily applies to bank cards, since each client should receive the most favorable and comfortable service conditions. The National Bank "Trust" copes with this task, providing its clients with a huge selection of cards, which can be used not only to pay for services or purchases, but also to use a credit line.

It takes no more than a quarter of an hour to issue a credit card. After the limit on the Trust Bank loan is set, the client can immediately use the card to receive cash. It takes up to two weeks to issue a personalized card. The advantage of a credit card is a grace period, which allows you to use funds for 55 days without paying a commission. It is also worth emphasizing the possibility of earning income on the balance of your own funds that exceed the bank limit. The rate can be as high as 7% -8%. Issuance and maintenance of the card is free of charge. As part of the provision of credit cards, there are promotions and permanent discounts that allow customers to save up to 10% when purchasing goods and services at the banks partner retail outlets. To manage funds and control financial transactions at any time of the day, the Trust Bank online service is automatically provided, as well as an SMS notification service.

 

Contributions

To open a deposit, a client does not need to contact a bank branch, since the Trust Bank online function allows you to transfer your funds for safekeeping and accumulation within a few minutes. A deposit agreement, which provides for the opening of a deposit in real time, through Internet banking has the same legal force as a hard copy.

 

Conditions for deposit programs

Holders of the deposit "VIP-client 2016" can count on the maximum rates, which reach 11.25%. The program is aimed at wealthy people, since the minimum contribution is 5 million rubles or a similar amount in the equivalent of a dollar (euro). The classic line of deposits offers a rate of 8% -10%. Investment terms vary from one month to several years. Almost all deposits can be opened through the Trust Bank online in a remote mode. Some of the deposits available to clients as of 2016:

"Generous interest." The rate, depending on the timing, is presented in the range of 9.5% -10.65%. Withdrawals or deposits are not allowed. You can invest money for a period from 3 months to one and a half years.
"Maximum pluses." Convenient deposit with favorable conditions and special interest, if necessary, early withdrawal of part of the amount, allows you to place money for a short period - from 3 to 6 months. The minimum contribution amount, as well as the minimum balance on the clients accounts, is 30 thousand rubles. Fixed rate - 8.75%. Any Trust Bank card can be used to receive interest (interest can be paid every month).
VIP All Inclusive. When placing an amount of 10 million rubles or more for a period of more than 240 days, the rate on the deposit is 10.25% (in dollars 1.85%). When placing an amount of 5 million rubles or more - 9.25%. Partial spending of funds is provided.
The banks policy towards its depositors is quite loyal, and this is manifested both in terms and in the amount of the initial payment. VIP deposits are not available to all clients, and for this reason the National Bank "Trust" has developed a flexible and unique depository system, targeted at all categories of the population. The minimum amount for many deposits is 3 thousand rubles, and the terms are one month. Thanks to this approach, clients can calculate their income and accurately determine financial receipts. You can choose the optimal deposit directly on the banks website. A special calculator is provided for this.

Today the National Bank "Trust" is a powerful institution that focuses on client requirements. The bank has created the most comfortable conditions for the population to receive objective information about the current proposals. In each case, an individual approach is guaranteed, allowing you to choose the optimal solution for a specific situation. The Bank sets itself the goal of earning the clients trust and providing him with an optimal product. And, it should be noted, the financial institution succeeds.