Bank Zenith, founded in 1994, is one of the largest Russian banks. The financial institution operates in the form of a public joint stock company and is the main one in the Zenit banking group. The creation of the bank was initiated by the Academy of National Economy together with the oil concern "Tatneft". The main office is located in Moscow. Banking license No. 3255.

 

Audit service

Bank Zenith is audited by two companies. At the international level, reporting is carried out by the representative office of the international network of companies Deloitte Touche Tohmatsu Limited. The consulting company has more than 3.5 employees working in dozens of countries around the world. The banks financial statements are serviced by a large Russian company Energy Consulting, which also provides services to a number of European financial companies.

 

Activities

Since its inception, Bank Zenith Online has specialized in providing comprehensive services to the corporate segment. The long-term development strategy envisages expanding the range of retail products. Currently, the financial institution offers all classic products aimed at meeting the needs of the population: mortgage programs, various types of consumer lending, placement of deposits. A wide range of products includes various cards of Bank Zenith, loan programs for the purchase of vehicles, leasing and much more.

 

Achievements

In 2012, the financial institution was awarded one of the most prestigious international awards, Global Private. The bank was recognized as the best Russian bank in the Private Banking segment.

For 20 years of work in the banking services market, the Bank has been actively involved in attracting international investment. The financial institution carried out 20 bond issues, of which 2 were Eurobonds. Currently, investors have access to 10 issues of the banks bonds, which are on the MICEX quotation list, which is a confirmation of the Banks successful performance and reliability. According to the information provided by the official website of Bank Zenith, financial activities are accompanied by active sponsorship of sports events. The bank also acts as a charitable foundation for helping child care institutions.

 

Financial group activities

The history of the financial group dates back to 2005, when the Bank acquired the Devon-Credit division. Today the Banks division is one of the leaders in all types of banking services in Tatarstan. Two years later, 3 banks joined the banking group - Lipetskkombank, Spiritbank and Sochigazprombank. The latter currently provides services under the brand name Bank Zenith Sochi. In 2013, the financial group reported an increase in equity capital for the year by 3.4 billion to the level of 28.6 billion. The groups assets were estimated at 299 billion rubles. Currently Zenit Group offers investment services, services interbank business, and also provides clients with classic products in 27 regions of the Russian Federation. The number of branches and points of sale of the group exceeds 170 points throughout the Russian Federation.

Authorized capital

The aggregate of all funds of the founders is estimated at 11.545 billion rubles and a similar number of shares (the cost of one share is 1 ruble). All the banks securities are presented in non-documentary form.

 

Banking products for individuals

One of the most popular services among the population is deposits. The bank fully satisfies the demand of individuals, offering a wide range of opportunities for placing funds. The first are the online deposits of Bank Zenith with the possibility of remote placement.

"Urgent". A convenient, profitable deposit with flexible terms allows you to place funds for a period of one month to two years with a minimum deposit of 1000 rubles. Interest is paid only after the expiration of the contract. Replenishment of the deposit amount is not provided. The rate is presented in the range of 6% -10-%. A characteristic feature of placing funds is the mandatory use of the Zenith online banking system: money is not accepted in branches.

"Accumulative". The deposit differs from the "Urgent" rate (6.75% -7.5%), the size of the minimum deposit is 15 thousand rubles, as well as the possibility of replenishing the account and partial withdrawal of the amount.

"Savings". The rate ranges from 6% to 10.5%. The term of the deposit is 3 years. Additional operations are not provided.

As a special offer, the banks clients can take advantage of a deposit in RMB. When placing an amount of 325 thousand yuan (minimum deposit), the rate is 1.5%. If the amount exceeds 3.5 million, the rate rises to 2.5%. Accrued interest is paid out together with the deposit at the end of the term. As part of the program, depositors can receive Bank Zenith cards with free service.

"Army". A special contribution for military personnel provides for a rate of 6% -8%, subject to the placement of funds from 10 thousand rubles. The maximum limit is 3 million rubles. Part of the amount can be withdrawn.

"Pension Plus". A savings deposit for pensioners with a rate of 5% to 7.5% and a minimum contribution of 10 thousand rubles allows you to increase your savings. At the same time, there is the possibility of withdrawing funds, as well as replenishing the account. Clients are issued free of charge cards of Bank Zenith "MasterCard" Worldwide and Visa Int.

 

Mortgage lending programs

Taking into account the needs of the population in buying a home, Bank Zenith offers a number of programs aimed at meeting the demand of clients with different incomes.

For military personnel, four programs are presented, providing for the purchase of housing in the primary and secondary markets, as well as in the residential complex "Sampo". For example, for the purchase of an apartment in the "SAMPO" residential complex, funds are allocated in the amount of 300 thousand rubles to 3 million. The rate is 9%. In this case, the client must pay an amount of at least 20% of the value of the property. For more information, visit the Bank Zenith website.

Primary market. Under the military mortgage, the rate on the purchase of housing in a new home is 11.25%. Cash limits: 300 thousand - 2.3 million rubles. The first installment is 20%.

Secondary market. The rate for the purchase of housing in the secondary market is 12.5%. Cash limits: 300 thousand - 1.7 million rubles. The first installment is 20%.

Mortgage loans for civilians

Primary market. The list of the banks services includes several proposals for the purchase of apartments in new buildings. The average rate is 19% -23%. So, to buy an apartment in the residential complex "Korneevsky Fort" the client needs to make a 20% down payment. Loan limits range from RUB 500,000 to RUB 14 million. A surety and a pledge are prerequisites for securing debt financing.

Secondary market. The loan rates that Bank Zenith offers for the purchase of real estate in the secondary market correspond to financing under the programs in the primary market. The minimum amount in the regions is 270 thousand rubles (in Moscow - from 500 thousand).

Clients are also given the opportunity to purchase rooms. Financing of individuals for up to 10 years provides for a rate of 15.0% -15.5%. When the loan term is increased to 25 years, the rate increases to 16%. In the regions, the maximum size of a mortgage loan is 270 thousand rubles (Moscow 800 thousand). The maximum limit is 10 million (regions) and 14 million rubles. Detailed information will be provided by specialists of Bank Zenith online or by telephone.

Bank property. One of the most advantageous offers that are presented on the website of Bank Zenith is the purchase of housing for a financial institution. That is, those real estate objects that are on the balance sheet of a financial institution. Thanks to this, the bank sets the minimum loan rate - 10.5%. The size of the first installment has also been reduced - up to 10% of the total value of the property. The amount of allocated funds reaches 30 million rubles. Guarantee of individuals and individuals, as well as a pledge are mandatory conditions that Bank Zenith sets in order to secure debt financing.

 

Credit cards

Bank Zenit cards, presented in a wide range, will help to pay for services or make a purchase at the most crucial moment when there is no cash. All bank cards have a grace period of 50 days, which allows you to rationally use funds, and if they are deposited on time, avoid paying interest. For example, a Finnair Platinum card provides a loan of up to one million rubles. The rate after the expiration of the grace period is 17%. As bonuses, the client is awarded points that can be used to purchase goods and pay for services. The "World of Travel" "Visa" card allows customers to receive discounts of up to 50% in various stores that are partners of Bank Zenith. The card belongs to the premium segment. The service is 1 thousand rubles.

The range of banking services positioned by Bank Zenith is huge. Modern solutions are able to satisfy the demand of various groups of clients, and the high rating of the bank presented by various agencies indicates its stable course of development and reliability.