APF "European pension fund" (JSC): services, advantages. Pension fund "European" (NPF): feedback from customers and employees

NPF "European" is one of the leaders of the financial market in the Russian Federation, whose customers have already become 1.8 million people. Carrying out activities to conclude contracts between the NSO and NGOs for the insurance of residents of Russia for 22 years, the "European Pension Fund" (NPF, JSC) reviews about the work of agents and the payment of pension contributions do not hide - there are both satisfied customers and deceived investors on the web.

From the cashier - in APF

Initially, the fund referred to itself as a "Pension Fund" and provided only pension services. Since 2012, the product line of NPF "European" allows customers to offer insurance and security services for every taste: from the conclusion of standard OPS contracts to individual and corporate pension programs, including pension consulting, maternity capital, co-financing of pensions. The head office of the company is located in Moscow, but the geography of the company also captures other regional centers. Reviews about the NPF "European pension fund" on the Internet are often found - from a highly specialized institute that accepts applications from employees of metallurgical enterprises, it has become a broad-profile insurance company that serves both individual contracts and corporate applications.

Fund partners

The key companies cooperating with the fund "European NPF" (reviews about their activities are known all over the world) are:

• Banks "Otkrytie" and "Bin Bank" ("Otkrytie" provides a settlement account for OPS-contracts, "Bin Bank" - for pensions (NGOs)), "City Bank", "European Bank for Reconstruction and Development", "Renaissance Capital" Bank "," Credit Europe Bank ".
• Western partners: Morgan Stanley (American commercial bank, part of a large holding company), Deutsche Bank is a German bank, a large international agent.
• Russian leaders of the metalworking industry are Chelyabinsk and 2 Ural pipe-rolling plants.

Owners of the NPF "European"

Most of the company's shares, namely, 30%, in 2012 became the property of the "European Bank for Reconstruction and Development "(EBRD). However, the bank's activity was not limited to the purchase of only 1/3 of APF assets, and after the deal was concluded, together with the Chelyabinsk Pipe Plant, the financial structure bought another 25%.

Thus, firms began to own most of the fund's assets (55%), which, on the one hand, developed consistency in the internal environment (when the owners of the company change one after another, they lead to a new staff of employees and followers, each of whom wants to send Activity in the "own channel"), and with another - has destroyed competitiveness of other firms to possess such attractive financial institute.

However, this did not affect the responses of those who transferred the NPF "European" - in general, clients assess the activities of the legal entity as being steadily developing, but disapprove of ways to conclude insurance agent contracts that are not afraid to come home to potential investors and in a convincing form to ask Choose their company as the final destination for the transfer of funded pension resources.

The rating of the non-governmental pension fund "European" from "Expert RA"

If a company that actively sells financial and insurance products to the population of Russia is not afraid to participate in the rankings of independent expert agencies, this already has a positive effect on the situation in the team, and on the reviews of NPFs.

"European pension fund" is one of the most striking examples of companies that take part in ranking. The company was evaluated by three major agencies: Expert RA, Independent Rating Agency and RusRating.

"Expert RA" for banks and non-state pension funds has the same significance as the press: to the opinion of these "judges" of economic and insurance activity, only those organizations that do not want to have a stable client flow listen to them and they do not care how the potential Insurers will choose their future. 2015 allowed the company to get the highest estimate of stability and strength in the market of financial and insurance services - A ++. Firms that receive such a high score immediately become attractive to the public - as now clients increasingly pay attention to the opinion of previous insured persons that they leave on the Internet.

Having received a high score, the "European NPF" feedback on its activities could turn into the right financial channel - there were no complaints from the insured that clients doubted the stability of the company or were not sure that their savings from the employer's contributions were in safe hands.

"Independent RA" rating is an important statistic for any APF

And although the stability of the fund is beyond doubt even among such influential analysts as the Expert RA team, the Independent Rating Agency rated the firm a little more modestly and assigned the fund only 15th in importance among all APF RF in 2015, which, However, it did not have much influence on the creation of the overall picture of the organization (the "European NPF" reviews related to the financial situation on the market deserved only the good ones and they are proved by figures, for example, 3.42% of the total share of the market and 11th Place by the amount of pension savings Insured persons).

RusRating is an expert on Russian and international financial companies

Activity NPF was evaluated and another influential analytical agency - RusRating. The company awarded the firm on the domestic "arena" a stable indicator of profitability and strength - AA. But the international activity of the legal entity leaves much to be desired - in 2015 it was estimated very modestly - BBB, which means a developing young organization that can not guarantee 100% success in the global arena of insurance pension products.

But on the Internet about the NPF "European pension fund", clients can not be found from other countries. This is due to the minimal market share (less than 0.01%) and the number of insured persons who do not exceed 2 thousand people in total.

Yes, and the company's policy is mainly to attract domestic customers - the differentiation of the flow will be small, but its citizens insurance agents are much easier to convey the main advantages of the transition to this NPF and conclude a contract without waiting for the permission of lawyers or the removal of bureaucratic nuances.

That is why the majority of pensioners and future recipients of benefits, which left the NPF "European" feedback - the Russians (99.98%).

Indicators of financial activity of a legal entity of JSC APF "European PF"

It is not difficult to find customer feedback on the activities of the NPF "European" - the company is one of the market leaders and actively concludes contracts with NSOs and NGOs not only with a limited number of insured persons (for example, as targeted non-government funds obliging their employees working in the Of this company on a voluntary-involuntary basis to transfer their savings to a contiguous or cooperating fund), and with the broad sector of clients - all Russian citizens can transfer their pension contributions.

The number of contracts that are actively increasing due to the well-coordinated work of insurance agents, has an impact on the business performance of APFs.

In 2015, pensions accrued by a non-state company received more than 2,368 clients who entered into a compulsory pension insurance contract and 1,921 people on non-state provision. The total amount of funds that were directed to ensure their duties to the insured persons amounted to 49,319.04 thousand rubles for the OPS, and 15,586.29 thousand rubles for NGOs. This is an excellent indicator and affects both the attitude of potential insured customers and the fact that the depositors who have already concluded the agreement on the fulfillment of obligations by the European company (NPF) leave their comments only positive.

The financial success of the legal entity "European PF" under the contracts of the insured persons who transferred the funded part of the pension was consistently high in the firm: in 2015 the interest rate reached 13.63%. On non-government provision, the yields in the European fund amounted to 15.64%.

According to statistics from ranking companies analyzing the financial part of the fund's development, in 2010-2015, The amount of pension contributions of insured persons of the financial institution increased by 101.4%.

Feedback from those who know what they are talking about. What do fund employees think about their company?

Despite the fact that the opinion on the activities of any company that provides services to the public can be objectively made only by the client himself when addressing a legal entity, when choosing NPFs, citizens are increasingly turning their attention to the feedback of the employees themselves. This is due to the fact that in a responsible attitude to the internal organization of work, the company provides itself with a friendly atmosphere in the team, and also affects the fact that insurance agents want to contribute to the development of the company, and are more actively involved in the technology of registration of contracts for TSOs and NGOs .

Work in the NPF "European", reviews about which are posted on the Internet, differs little from the activity of agents in other non-state companies - both here and here the insurer's duties include active promotion of pension products, as well as consultations of clients who have already transferred their pension Accumulation in the organization. Often they are forced to make quarterly rounds, because incoming client flow can not always ensure 100% performance of business indicators.

About NPF "Evropeisky" reviews of employees who have moved to another company are unflattering - some complain about salary delays, others - on the escalating situation from the bosses who do not want to listen to the excuses of insurers who failed to attract new customers. But this does not mean that the internal atmosphere in the team is "lame" - most workers are satisfied with their present place of work. It is difficult to carry out business indicators everywhere, be it banks or other financial institutions, and not every company can afford to work in an office under comfortable conditions.

APF "European pension fund" reviews employees who complain about the failure to implement the plan, takes into account only if their judgments are justified. At the same time, none of them claims 100% that this is the worst place of work - the company has created conditions for active sales, conducts trainings and training of newcomers, makes concessions and is ready to support those who are able to promote insurance products. But, unlike banks and microfinance, in all NPFs, it is more difficult to achieve an increase due to less structured staffing - most of the staff is occupied by sellers, less than 5% of the whole team occupy managerial positions.

Those who see their future in an insurance agency or APF should be prepared for the fact that without the seller's skills to move forward the position of an agent is unlikely to work.

Customer feedback on the activities of the European Fund

A company like the European Pension Fund (NPF, AO) reviews on the Net does not hide its activities - the policy of confidentiality in banking and pension business has never been effective. On the contrary, potential insurers are extremely interested in obtaining maximum awareness of the legal entity, which they see as the final destination for the transfer of their savings.

But not always full openness is an indicator of honest work. On the contrary, the activity of the fund, like many other non-state insurance institutions, alas, does not find support in more than 20% of clients. They leave unflattering comments, in particular, about the fact that the "European Fund" (APF) reviews clients who wish to receive a card for access to their personal office, simply ignores. This problem is a key complaint among other insured people's responses that they left on the Internet.

The second most popular item, which categorically does not suit customers, is the personal visit of agents. This way of selling insurance products is most popular with non-state funds, which, unlike banks, do not have a line of hundreds of clients interested in transferring savings from the employer. Rather, on the contrary, agents themselves are forced to look for clients using their bases and programs, but unlike a call from which customers can easily refuse, a personal visit is the most effective way to sell OPS and NGOs.

APF "European pension fund" reviews clients on the occasion of the rejection of the insurance product takes into account, but to insurance agents then more stringent requirements are imposed.

Among the positive moments - quick access with the help of the Client's personal card, focus on European standards of service and timely qualified help desk support.

What awaits the NPF "European"?

Despite the fact that on the web about the activities of the company "European pension fund" customer feedback diverges, the company is operating on the market with obvious success and continues to develop its activities to conclude agreements and NGO agreements.

As for the fact that the economic crisis will be disastrous for her, you do not have to worry - the financial "pillow" will allow the legal entity to meet its obligations, and a steady increase in the number of clients will attract even greater profits to the firm.