PJSC AKB Svyaz-Bank is a commercial lending financial institution with a developed network that covers 53 regions of Russia. The headquarters is located in Moscow. The bank was founded in 1991. The owner of the bank is the VEB State Corporation, which owns 99.65% of the securities of Svyaz-Bank.

Basic information

As of January 2015, the authorized capital of the bank was 29 billion rubles, the size of its own assets was 385 billion. Svyaz-Bank ended 2014 with a net profit of 1.65 billion rubles. The staff is 3.6 thousand people.

The Bank operates under general license No. 1470 issued by the Central Bank of the Russian Federation in 2012. The audit of the financial documents of Svyaz-Bank is carried out by the British consulting company Ernst & Young, which currently operates under the EY brand.

The main directions of the banks work are focused on providing services to private clients and business companies, servicing all types of debt financing. The financial institution works with almost all segments of the economy, among which the priority belongs to the energy sector and the communications industry represented by the Federal State Unitary Enterprise Russian Post. The services of Svyaz-Bank in the international banking market are in demand, ranging from external borrowing to structured lending.

One of the priority tasks provided by the long-term development strategy is debt financing of the real sector of the economy, as well as SMEs.

Cooperation with other banks and achievements

Along with the implementation of financial and other types of operations in the corporate market, Svyaz-Bank introduces large-scale products in the segment of retail operations. The availability of banking services for the population is constantly increasing, which attracts new investments, deposits, and also contributes to the development of various types of lending. The bank works in tandem with the largest financial institutions in Europe, takes a fruitful part in trading on the stock and foreign exchange markets. The list of Svyaz-Bank correspondents includes Russian banks:

"Russian Agricultural Bank"
VTB;
"Sberbank".
Foreign financial groups:

VTB (Deutschland);
BNY Mellon;
Sumitomo Mitsui.
In 2014, the services of Svyaz-Bank were noted in the rating of the Standard & Poors analytical group. The bank entered the TOP-13 of the most significant financial institutions of the Russian Federation according to the S&P rating. In the same year, a loan program called "Your Mortgage" became the best offer among the capitals banks offering financing for purchases of real estate in the secondary market.

In the rating of the Central Bank, Svyaz-Bank is one of the thirty largest banks in the Russian Federation. According to the Center for Economic Analysis, assets of 385 billion rubles allow Svyaz-Bank to take the 26th position in the rating of the largest banks in the Russian Federation.

Offers for private clients from Svyaz-Bank: PS BLIZKO

Individuals are offered Svyaz-Bank cards, payroll projects, lending services, money transfers and deposits. The bank provides corporate clients with a full package of brokerage, trust and custody services. Svyaz-Bank also offers to use the BLIZKO payment service, since it is the bank itself that is its operator.

The number of service points of PS BLIZKO on the territory of the CIS countries exceeds 50,000. The features of the service are the minimum tariffs for money transfers, which leave from 0.16%, as well as instant transactions. Sending and receiving money through the BLIZKO Svyaz-Bank online system is carried out through specialized collection points.

Banking through the global network: the Megapey system

One of the most relevant services, without which in the third millennium it is difficult for a borrower, depositor and even a salary recipient, is Internet banking. To address this issue, the bank has developed its own service called Megapey. Access to the system is possible only after visiting a bank branch.

With the help of the service, customers are able to perform transactions, set up debit, credit and virtual cards according to their needs, manage limits, and place deposits. In general, with the help of this service from Svyaz-Bank, the client gets full control over his accounts 24 hours a day.

In addition, the following options are available to the user:

payment for various services of providers;
payment of loans;
exchange operations when buying electronic money;
payment of fines;
conversion financial transactions and much more.
The Megapey service is absolutely safe, since all information is transmitted through secure channels, and one-time codes are used to enter the system and perform any payment actions through Svyaz-Bank online. Also, the client can use a digital signature.

Public deposits

The preservation and augmentation of funds is the primary task of many citizens, which can be solved by standard deposits of Svyaz-Bank. The financial institution offers several key deposits, as well as an investment project involving the opening of an impersonal metal account.

Standard deposits:

"Maximum income". Rates depending on the terms and amount of the deposit in Russian rubles are presented in the range of 6.5% -9.9%. It is impossible to withdraw part of the funds or replenish the account after the conclusion of the agreement for the placement of the deposit. The minimum contribution is 10 thousand rubles. You can open a deposit through Svyaz-Bank online without visiting a branch. To do this, you need to use the Megapey service.
"Managed income". Alternatively, customers can use a managed deposit, which provides for replenishment of the cash account, as well as partial withdrawal of the deposit. At the same time, the rate may vary depending on the size of the minimum balance. On average, the rate ranges from 7.65% to 8.3%.
"Multicurrency Income" and "Replenishment Income". In the first case, the client gets the opportunity to receive additional income from investments in various currencies, for example, CNY, GBP and others.

Deposit programs for wealthy people

The services of Svyaz-Bank include special deposits aimed at people with income. The bank offers to place funds in one of three deposits: "Collection Classic", "Lux", "Elite". In all the listed deposits, the minimum contribution is 3 million rubles. Also, privileged clients can count on higher rates - up to 10.65%.

OMS accounts

Depersonalized metal accounts are represented by 3 metals. Svyaz-Bank customers can open an account in gold, platinum or silver, as well as make non-cash transactions. OMS is an analogue of a money account and depends on the real value of metals that are formed on the commodity exchange.

Bank cards Svyaz-Bank

The most popular means of payment for goods and services in the world, along with cash, is a bank card. Clients can get Sviaz-Bank cards from the worlds leading payment systems: MasterCard and Visa, as well as the Japan Credit Bureau (JCB) and the Russian PS Mir.

Mir is a Russian PS, which, like international systems, allows all financial transactions to be carried out. Visa and MasterCard cards allow you to use all the possibilities of payment for services and goods on a global scale. Holders of banking products are given the opportunity to take part in the loyalty program, which allows them to accumulate points and then spend them on purchases.

For travelers to Asia, America and the EU, Sviaz-Bank cards from the largest payment service JCB will be the ideal solution. Holders can use cards of this payment system not only abroad, but also on the territory of the Russian Federation. For purchases of goods in other countries, as well as purchases through the global network, made in foreign stores, a refund of 1% is provided.

Mortgage lending from Svyaz-Bank

At present, Svyaz-Banks services include a wide range of credit programs aimed at purchasing various types of real estate, including townhouses and land plots. Debt financing is possible without providing documents confirming the existence of income. Also, as part of the service, a special program for military personnel deserves attention.

Mortgage on special terms

Customers who plan to purchase housing under construction or completed projects can take advantage of special conditions. As part of the Svyaz-Bank service, a selection of residential complexes located in the Moscow region is presented, for which the base rate is 12%. The mortgage provides for state support. Moreover, for the first 2 years, the borrower pays its obligations at a reduced rate - from 8% to 9%.

Basic rates for the purchase of housing in a new building within the program of the same name range from 13.5% to 14.75%. The minimum amount of funds is 400 thousand rubles. Military mortgages allow clients to take advantage of the low rate of 11.25%. Making an initial payment is not a prerequisite for the allocation of credit funds. The maximum loan amount is 2.1 million rubles.

As of 2016, PJSC JSCB Svyaz-Bank is a financial institution that demonstrates positive development dynamics. The list of the banks services is expanding with new mortgage programs, to which state subsidies are connected. Retail service networks, service opportunities for the corporate sector, as well as SMEs and financial structures are expanding.