KhMBO is a large retail bank with assets of over 530 billion rubles. The bank is currently one of the largest and most reliable retail financial institutions in the Russian Federation. The stability of development and reliability of the bank is confirmed by international agencies Moodys and Standard & Poors. The headquarters is located in Moscow. Central Bank license No. 1971 of 2011. The auditor is Ernst & Young.

The owner of the bank is the Otkritie corporation, whose assets exceed 3.91 trillion rubles. As part of the corporation, the bank specializes in providing financial services to individuals, as well as SMEs. In general, the bank offers traditional products in demand in the financial sector, as well as a number of investment projects.

 

KhMBO: one bank - two brands

Officially, Khanty-Mansiysk Bank Otkritie operates in the form of a public joint stock company. Nevertheless, in the territory of the Russian Federation, it is known under two brands. Thus, in the Khanty-Mansiysk Autonomous Okrug, the financial institution has the same name, and in other regions the Otkritie Bank brand is used.

 

Large-scale reorganization

2013 was a landmark event in the history of the bank, when Otkritie Corporation consolidated the securities of Nomos-Bank. The following year, Otkritie Bank and NMB entered the Khanty-Mansiysk Bank, which led to the emergence of a powerful retail bank PJSC KhMBO on the financial services market.

 

Customer deposits

Given the specifics of the work of a financial institution, it is necessary to note a number of deposits aimed at preserving and increasing funds. Online customers of "Khanty-Mansiysk Bank" can take advantage of various offers that allow them to receive maximum income from high rates or use a profitable accumulative program with the ability to withdraw money. Lets take a closer look at the main proposals of the bank.

"Universal". The deposit is designed for 36 months and provides for partial withdrawals. You can place funds in three main currencies. The interest rate on ruble deposits reaches 8.3% (in dollars and euros 1.6%, 0.1%). The minimum balance on the deposit is 30 thousand rubles. The maximum amount of funds that can be deposited on the account is 3 million rubles. At the same time, clients whose total deposit in the bank exceeds 700 thousand rubles, have the opportunity to receive "Khanty-Mansiysk Bank" Gold and Platinum cards. To receive a Platinum card, the total contributions must exceed 3 million rubles. In both cases, cards are issued and serviced free of charge.

"Maximum". The name of the deposit speaks for itself: rates reach 8.8%. For example, when placing funds for one month, the client receives the following interest:

the amount of more than 30 thousand rubles - 7%;
700 thousand rubles - 7.1%;
1 million - 7.2%;
more than 10 million - 7.3%.
When placing similar amounts for 36 months, "Khanty-Mansiysk Bank" online offers the following rates:

8.7%;
8.8%;
9.05%;
9.3%.
"Multicurrency". The deposit is opened for a period of one year without the possibility of withdrawing funds. The fixed rate in rubles is 8.45%. The minimum contribution is 100 thousand rubles. Also, the bank has set limits on the maximum deposit amount - 1000% of the first installment.

"Comfortable-online". Funds can be deposited remotely via web banking. The minimum deposit is 5 thousand rubles. Using the service "Khanty-Mansiysk Bank" online, users of the global network can replenish the account, as well as withdraw part of the funds. The average interest rate is 9%.

 

Services for holders of payroll cards

Individuals who receive wages on the card of PJSC "Khanty-Mansiysk Bank" are provided with many privileges, ranging from receiving credit cards with a minimum package of documents and ending with mortgage financing.

Credit cards of Otkritie Bank allow you to use funds without paying interest for two months. After the end of the grace period, the rate is 29%. Funds are issued in rubles. The maximum amount can be up to one million rubles.

Mortgage credit lending. Improving housing conditions is a pressing issue that affects every majority of Russians. The program of financing the purchase of housing in the primary and secondary market, which is offered by "Khanty-Mansiysk Bank", is distinguished by flexible conditions. The bank allocates funds for the purchase of housing, which is under construction. In this case, the rate is 11.95%.

Concessional loans. As part of the salary project, Otkritie Bank allows its clients to receive up to one and a half million rubles for a period of up to 5 years. The amount of financing and the rate depend on several factors, for example, the borrowers income, loan terms, company status, and others. Therefore, the banks specialists carry out an individual approach in each specific case. The minimum rate is 16%, and the maximum is 27%. As part of the program, Otkritie Bank issues loans without collateral or surety. The minimum age of the borrower is 23 years, and the work experience in the company is from 6 months.

 

Service for wealthy clients

For wealthy people, the bank offers a modern level of service through a specialized Private Banking department. The service applies to all family members. In addition to the fact that the user receives an extended range of services, he is also given special attention. So, the client is provided with a personal manager, who guarantees confidentiality, the promptness of providing relevant information and the execution of orders. Service within the project is carried out on demand.

The information and consulting division of Private Banking, which is part of the Khanty-Mansiysk Bank, offers a full range of financial services, including insurance, as well as investment solutions for any business.

 

to corporative clients

Bank "KhMBO Otkritie" serves government institutions, SMEs, large companies representing various sectors of the economy. For business representatives, the bank guarantees flexible terms of mutual cooperation, individual and complex solutions.

Products for corporate business

Factoring. Factoring is one of the activities of PJSC "KhMBO". Through the use of funds that come from the bank as an assignment under contracts, the business gets the opportunity to replenish working capital, as well as provide its counterparties with the most favorable conditions. Unlike traditional credit lines, factoring offered by Khanty-Mansiysk Bank does not require collateral. Moreover, bank financing can be regular, expanding business opportunities.

Trade acquiring. The bank offers businesses the best way to minimize employee errors, reduce the time spent on financial transactions, and increase the growth of turnover using stationary devices for making transactions. The service also provides web acquiring. The software serves the "Khanty-Mansiysk Bank" cards in real time. System connection is free of charge. Technical support for the functioning of the system works 24 hours a day.

Leasing operations. In this direction, Otkritie Bank works together with the Yugra-Leasing company. Returnable and financial leasing is available to corporate business. The advantage of leasing for companies is that there is no need to secure obligations, as well as a decrease in the cost of a one-time payment when buying working capital. Unlike loan financing, leasing is a flexible instrument. In addition, leasing allows businesses to lower their tax base.

Documentary operations. "KhMBO Otkritie" acts as a guarantor of ensuring obligations in the following areas:

municipal contracts for the supply of goods and services;
provision of different types of payment in favor of the federal customs and tax service.
Corporate cards. Khanty-Mansiysk Bank issues corporate cards designed for effective management of the companys funds. Information about expense transactions on cards is regularly delivered in electronic form to the enterprise, allowing the business to control and regulate financial costs.

Verification Center. For enterprises that need to create secure systems for the circulation of documents, B2C, B2B, banking in various types of e-commerce, "KhMBO Otkrytie" offers the services of a certification center.

Cash cards. Cash cards "Khanty-Mansiysk Bank" are targeted at SMEs that have insignificant revenue and do not need cash collection. The service allows you to deposit cash through depository modules. To carry out operations, an agreement with the bank is required.

Despite the fact that Otkritie Bank focuses primarily on private clients, it offers many relevant solutions for SMEs and the corporate segment. The Otkritie Corporation plays an important role in the banks reliability, providing intellectual, technological and financial support.