PJSC Promsvyazbank is the largest commercial bank with an extensive network of branches and outlets throughout the Russian Federation. According to the authoritative edition of The Banker, Promsvyazbank PJSC possesses large assets and is one of the 500 largest banks in the world. The Central Bank of the Russian Federation included Promsvyazbank in the TOP-10 of the most important financial institutions in the country. The main office is located in Moscow.

 

Bank owners: management

88% of the banks assets belong to the Russian company Promsvyaz Capital B.V., which is owned by entrepreneurs D. and A. Ananievs. Less than 12% of assets are held by the EBRD. The head of the bank is Alexey Ananyev.

Bank activities

The international transnational corporation PricewaterhouseCoopers (London) renders consulting services to the bank. Subsidiaries of Promsvyazbank are:

Avtovazbank OJSC (Togliatti);
Primobank.
As of March 1, 2015, the banks assets amounted to more than 1.2 trillion rubles. Thus, Promsvyazbank took 11th place in the rating of the largest Russian banks. The net profit in 2014 was 2.3 billion rubles. The size of equity capital is 123.4 billion rubles. The number of personnel is over 10 thousand people.

 

Regional network

Currently, Promsvyazbank serves more than 100 thousand of the largest Russian organizations and institutions. The number of private clients in 2015 exceeded 2 million. There are more than 8.5 thousand ATMs in all regions of the Russian Federation, as well as hundreds of self-service kiosks.

Branches and branches of the financial institution operate in Cyprus, neighboring countries and the Asian region. In 2013, Promsvyazbank expanded its geography by opening a representative office in Switzerland. Also, the banks development strategy provides for the start of operations in Hong Kong.

 

Solutions for corporate business

A huge network of branches within the country, as well as the presence of branches outside its borders, the professionalism of employees and partnerships with the largest public and private financial institutions, allows the bank to provide quality services for business.

As part of liquidity management, stakeholders are offered the following range of services:

remote service (PSB On-Line, "bank-client");
currency control;
settlement and cash service;
conversion operations;
acquiring;
bank cards.
With the help of innovative PSB On-Line and bank-client services, which are provided by telecommunication networks, users can control digital document flow, payments and other information materials. Promsvyazbank online systems are aimed at business representatives, banking and other financial organizations. The software applications are adapted for MacOS, Windows and Linux.

 

Corporate cards

For stakeholders who need careful control over financial expenses, and at the same time, ensuring that the costs associated with employee travel are minimized, Promsvyazbank corporate cards can be a convenient solution. With the help of corporate cards, you can get a detailed statement of expenses and report to the accounting department.

At the same time, Promsvyazbank provides a convenient service that allows you to receive a detailed description of expenses in digital form to your mailbox. The statement can be provided daily or monthly, depending on the system settings. Promsvyazbank corporate payment cards are issued for making payments on the territory of the Russian Federation and abroad. PS MasterCard and VISA cards can be used for entertainment and travel expenses in any country in the world. Connection is free.

 

Cards for payment of customs procedures

Business representatives can use customs cards, which allow them to solve several main tasks:

reduce labor costs;
speed up the procedure for payment and registration of goods;
exercise full control over financial transactions.
The business owner will be able to control the card account balance using the Promsvyazbank online service at any time of the day. Information about payment can come in the form of SMS to the phone or notifications to the managers e-mail. Several plastic cards can be connected to a bank account. The cards can be used at all customs posts of the Russian Federation.

Using terminal networks, customers have the ability to pay customs duties and other services in real time.

Salary projects from Promsvyazbank

The bank is an issuer of various debit cards of the leading payment systems MasterCard and Visa.

Payment for the processing of salary projects is determined based on the total payroll of each company. Installation of an ATM can become an additional item of expenses. Today, Promsvyazbank cards are a convenient and profitable solution for remuneration of employees, since the bank does not charge a commission for withdrawing funds in its own and partner ATM networks.

One of the key advantages of a salary project at Promsvyazbank is the ability to manage it remotely. For this, the financial institution provides two PSB On-Line service modules, which allow servicing accounts without leaving the office. A significant part of the banks products are provided on favorable terms, as well as free of charge. For example, the PSB-Retail system allows you to manage your account at any time of the day, regardless of the banks work.

An additional advantage is the ability to pay for goods and services through banking without commissions (in companies that are partners of the bank). The cash-in option, which is equipped with ATMs, allows you to use Promsvyazbank online for currency exchange.

 

Private lending

As part of consumer lending, Promsvyazbank has developed a number of flexible tariffs that make it possible to receive money on favorable terms for government officials, holders of salary cards, depositors and other clients. Some of the banks proposals:

For employees of budgetary organizations and civil servants:
loan amount - 100 thousand - 1 million rubles;
rate - 15.9%;
terms - from 6 months to 7 years;
borrower age - 23-65 years;
penalty fee - 0.06 (per day of delay).

Employees of accredited companies:
loan amount - 100 thousand - 1.5 million rubles;
rate - 17.9%;
terms - from 6 months to 7 years;
borrower age - 23-65 years;
penalty fee - 0.06 (per day of delay).

For clients who have Promsvyazbank salary cards:
loan amount - 100 thousand - 1.5 million rubles;
rate - 15.9%;
terms - from 6 months to 7 years;
borrower age - 23-65 years;
penalty fee - 0.06 (per day of delay).

For bank depositors:
loan amount - 100 thousand - 1 million rubles;
rate - 19.9%;
terms - from 6 months to 7 years;
borrower age - 23-65 years;
penalty fee - 0.06 (per day of delay).

Mortgage lending from Promsvyazbank

New building program. Clients are provided with funds at 11.4%. The initial payment must be at least 20% of the cost of housing. The minimum age of the borrower is 21 years. The maximum loan amount is 8 million rubles (Moscow region), regions - up to 3 million rubles.

"New building" program at 13.8%. Clients of Promsvyazbank residing in Moscow and the region can expect to receive funds in the amount of up to 30 million rubles. The maximum amount for the regions is 20 million rubles.

Buying a home on the secondary market. The bank allows you to use a low interest rate at 13.35% to purchase an apartment or house on the secondary market. Also offered are secured targeted loans at 13.35%.

Also for clients is presented a non-targeted loan "Alternative" secured by real estate. The service is relevant for people who want to start their own business. The interest rate is 17.5%.

Electronic money

The most popular payment services that allow the use of electronic money are QIWI, WebMoney, Yandex.Money and many others. The modern service that Promsvyazbank provides online allows you to transfer funds between a bank account and an electronic wallet. To transfer money, you can use the PSB-Retail virtual bank, terminal networks or visit a bank branch. Funds are credited to the account instantly, and they can be carried out at any time of the day.

 

Payment of bills and other services

The banks clients have access to options for paying bills, services, goods, fines, buying tickets and much more. Also, users of the Internet Bank can make money transfers to any part of the world, using favorable rates.

 

Account service

For clients, Promsvyazbank offers a service that provides for the opening and full servicing of accounts. Unlike debit cards, accounts have no limits on the storage of funds. On average, the savings program provides for a rate of about 6% per annum. The account holder receives a number of benefits, in particular:

storage of funds without time limits;
making transfers anywhere in the world;
conversion of funds;
the use of funds for the implementation of identical streaming expenses (payment for the services of providers, replenishment of accounts, transfers to debit cards of Promsvyazbank and other banks, payment of utilities, etc.);
simplification of the transfer of funds to deposits;
management and control of finances through the Internet bank.

For holders of salary cards

Clients who use Promsvyazbank bank cards for payroll receive many benefits. So, users can rely on a simplified scheme for obtaining consumer, mortgage and other types of loans. The maximum amount of an inappropriate loan reaches 1.5 million rubles at a rate of 15.9%. One of the banks proposals is the "Supercard", with the help of which the grace period can be increased from 55 days to 145. The maximum limit on a premium credit card is 600 thousand rubles.

 

PSBonus

When paying for services and goods by bank transfer, the holders of debit and credit cards are awarded bonuses, which can later be used to receive discounts. Using the PSBonus program allows you to save money by paying with your card. You can connect to the bonus program via PSB-Retail or by phone.

 

PSB-Retail

PSB-Retail is an Internet bank that allows Promsvyazbank cardholders to pay online for hundreds of types of services using a computer or mobile device.

 

Free money transfers

Holders of debit and credit cards, as well as accounts with Promsvyazbank have the opportunity to make money transfers in the amount of up to 10 thousand rubles without commission. Payment can be made using the PSB-Mobile application. The system provides for the formation of templates, which allows you to enter the details once when sending identical payments. All types of payments are carried out without commissions, including housing and communal services, communications, telecommunications services and others.

The huge regional network, the size of assets and a wide range of banking products make it possible to speak of the importance of Promsvyazbank in the systemically forming financial industry of the Russian Federation.