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PJSC Bank Vozrozhdenie

2016-07-24

PJSC Bank Vozrozhdenie is a personal bank that provides services on the territory of the Russian Federation to private and corporate clients. The headquarters is located in Moscow. The bank was founded in 1991. Carries out financial activities on the basis of general license No. 1439 issued by the Central Bank in 2003. On January 22, 2015, a new license was issued with the same number.

 

General information about the bank

The amount of the banks authorized capital as of 2010 exceeded a quarter of a billion rubles. Equity capital (IFRS data 2010) 16, 9 billion rubles. Amount of assets: 166 billion rubles. The bank ended 2013 with a profit of one and a half billion rubles. The number of employees exceeds 6 thousand people. The auditor is the transnational corporation PricewaterhouseCoopers.

Over the past two decades, Bank Vozrozhdenie has not left the list of the 30 largest financial and credit institutions in the Russian Federation. The ATM network includes more than two thousand self-service points (including ATMs of partner banks). The bank provides services to over 63 thousand representatives of business structures in more than 120 branches throughout Russia. The number of private clients exceeds 1.7 million.

 

Private lending

Bank Vozrozhdenie offers a wide range of loan products for a period of 6 to 84 months. The main loans are as follows:

Unsecured. Funds are issued without guarantors at a rate of 15%. The maximum amount of funds reaches 1.5 million rubles, and for the management staff of organizations - 2 million rubles. If the borrower observes the conditions stipulated by the loan agreement, after 12 months of using the funds, he can apply to Bank Vozrozhdenie online with an application for a rate reduction of 0.5%.
Secured by a guarantor. A prerequisite for the provision of a non-targeted loan in the amount of 100 thousand to 800 thousand rubles is a guarantee of a legal entity. The loan term does not exceed three years. The rate is 19%. An additional banking requirement is insurance against risks associated with disability and workplace disability. If this condition is not met, Bank Vozrozhdenie applies additional rates of 2.5% and 0.5%, adding them to the base.
"Car loan" up to 60 months. The vehicle is used as collateral. When buying a car of a domestic manufacturer, the loan term cannot exceed 36 months. The maximum amount of funds is 2 million rubles. A prerequisite is an initial payment of 15%. The loan rate is 17%. At the same time, the full rate can be as high as 22.6%.
Repair loan. The funds are allocated under a partnership agreement with Mosenergosbyt. Money can be spent on plumbing, electrical and other types of work. Loan terms are calculated for 6-84 months. Rate: from 15.5%. You can apply for funds through Bank Vozrozhdenie online after selecting certain services on the Mosenergosbyt website.

Mortgage products of Bank Vozrozhdenie

The financial institution offers more than 10 programs for the population in need of better housing conditions. Some of them are subsidized by the government.

"Apartment 2016". The program provides for the allocation of a loan in the amount of 300 thousand to 8 million rubles at a rate of 11.6%. At the same time, the full cost of the loan will cost the borrower at an interest rate of 13% -19%. The minimum contribution is 20%. A loan can be issued by a bank for up to 30 years. Subsidized by the state. Similar conditions are offered by the program "New building 2016".

"Vacation home". Bank Vozrozhdenie offers to use the service for buying a private house on the secondary market. The average rate is 16.5% - 20%. The maximum amount of funds that can be allocated to the borrower is 10 million rubles.

RC "ArcoDiSole". The mortgage provides for the purchase of housing in Moscow (RC "ArcoDiSole"). The loan amount can be up to 30 million rubles. The rate is from 13.5%.

 

Savings programs for individuals

Bank Vozrozhdenie offers a range of savings programs that can be executed in any currency. All deposits for private clients and individuals are opened for a period of 3 to 36 months. Currently, Bank Vozrozhdenie offers 4 main deposits online. Lets dwell on them in more detail.

Comfort Plus. The rate in rubles can reach 8.29% if more than 10 million rubles are deposited into the account. When opening an account for a minimum amount of 10 thousand rubles, the deposit rate is 7.4% -7.8%, depending on the term. In US dollars, the rate ranges from 1% to 2.2%, and in euros - 0.3% -1.1%. The minimum amount for opening a deposit in foreign currency is 100 (dollars or euros). Interest is paid every month. Clients have the opportunity to withdraw part of the funds, as well as replenish the account during the term of the contract.

"Cumulative plus". This deposit is targeted at the banks clients who plan to receive maximum income over a long period of time. Interest is charged to the client on a monthly basis. Any Bank Vozrozhdenie card or account can be used to receive funds. The rates for the program correspond to the "Comfort Plus" deposit. However, there is no provision for partial withdrawals. Account replenishment is possible. The initial deposit for opening an account is 30 thousand rubles, the maximum limit is 50 million rubles.

"Multicurrency". The program is an ideal solution for depositors who monitor changes in the foreign exchange market. The key feature of the banking offer is that non-cash conversion operations are available to the client at any time. The system allows the client to carry out exchange transactions online via Vozrozhdenie Internet Bank without losing profitability. The rate is charged from the moment money is transferred from one currency to another. The add-on option is available, and in a remote mode. The minimum deposit is 50 thousand rubles. The terms vary from six months to one and a half years. The rate in rubles ranges from 6.5% to 7.5%. Interest is capitalized.

"Perspective". A convenient deposit that allows you to receive income with minimal risks. The contribution is designed for two years. After half of the term, the client has the right to withdraw part of the funds. The rate throughout the entire period is variable and is presented in the range from 6.5% to 8.5%. The minimum amount is 30 thousand rubles. It is possible to replenish the account through the "Renaissance" online, including non-cash payments (wages and other receipts). Interest can be capitalized or paid to the clients account.

Bank Vozrozhdenie cards

The bank offers convenient and favorable rates for using borrowed funds from a credit card account. As of 2016, the financial institution offers three main rates.

"Base". The rate that takes effect after the end of the grace period is 26%. The client is given 55 days to pay off the debt without paying interest. The maximum card limit is half a million rubles.

"Loyal. Loan rate - 19%. The Bank Vozrozhdenie credit card with the specified tariff is available for the management staff of organizations, clients of a financial institution with a minimum service period of 180 days, as well as persons who have placed or have a deposit with Bank Vozrozhdenie in the amount of more than 300 thousand rubles. The rate is set for a period not exceeding 180 days. The maximum card limit is one million rubles.

"Privilege". The rate is 18% (180 days). The maximum loan amount cannot exceed half a million rubles. A Bank Vozrozhdenie credit card can be issued only within the framework of salary projects or to persons who have a deposit in the bank.

 

Additional services for private clients

The list of additional services of the bank includes opening accounts, transfers, paying bills and other operations. By opening accounts, customers can conduct non-cash transactions, receive transfers and carry out conversion transactions. Extensive networks of self-service points, as well as the possibilities of the Vozrozhdenie Internet bank online, allow paying for hundreds of types of services, as well as purchasing goods.

 

Business proposals

Bank Vozrozhdenie offers a variety of solutions for investors and shareholders, from reporting to corporate governance. As part of servicing corporate clients, Bank Vozrozhdenie is introducing comprehensive service packages designed to improve the quality of service and optimize income. The following services are provided for large companies:

RKO;
bank cards for transferring salaries, as well as for corporate purposes;
collection of proceeds;
delivery of funds and other valuables;
settlement centers designed for financial control over subsidiaries.
The bank also offers innovative development programs, which include the modernization of production processes, business consolidation, renewal of the vehicle fleet, etc. SMEs are provided with credit programs, including long-term financial obligations, cash settlement and payroll projects.