Bank "Left Bank": reviews

In Russia, there are banking institutions that have been on the market since 1991 - as soon as the whole credit and financial system as a whole has begun to emerge. These subjects, as a rule, have a stabilized management model, established contacts, a broad customer base and quite high-quality products in demand on the market.

One of these is the bank "Levoberezhny", operating in the Siberian region. It is well known there because it has a wide network - 19 offices, 7 offices for issuing loans, as well as more than 100 ATMs and terminals.

Within the framework of this article we will describe what the institution is, at what level services are provided here, what can the client offer and so on.

Achievements

Let's start, perhaps, with awards and ratings, in which this institution was positively noted. In order to see the situation more objectively, we take into account only those achievements that were achieved in 2015. So, the analytical center Rusipoteka, by creating the rating of the most advanced banking institutions involved in issuing mortgages, placed Bank Levoberezhny (Kemerovo) in 33rd place. In another perspective - by the volume of the loan portfolio - an authoritative publication (RIA Rating) determined the bank described in the article as the 120th place. By the size of total assets, the same agency attributed "Left Bank" to the 136th place. Finally, the Moscow Stock Exchange in the category "Leading Trading Operators" has determined the bank for the 35th position.

As you can see, this institution has some achievements, which are supported by leadership positions in the market and the broadest base of clients.

Deposits

Deposits are a favorite banking tool for people who know how and like to save money. Bank "Levoberezhny" offers about 10 types of deposits - all of them differ in currency, minimum amount for investment, interest rate and other conditions (the ability to replenish, withdraw money, open via the Internet). Each client, depending on what interests him, can choose the best for himself deposit and keep money in this bank. Examples of investment plans: "Investment" (minimum for investment - 10 thousand, for the deposit is charged 12% per year, the depositor has the opportunity to register it via the Internet bank and, in addition, to make replenishments); "Liked" (minimum - 50 thousand, from 10.5 to 11.5 percent of profit for the year, in addition to the account "Purse" is charged 7%). There are also plans for retirees, for children, deposits in foreign currency, demand deposits.

Loans

As the described institution accepts investments, accordingly, the bank Levoberezhny bank can issue a loan at several rates depending on whether the customer is a regular user or comes here for the first time. Also plays a role of a means of payment, through which the client will receive borrowed funds - a credit, a simple client card or some other form.

In the case of lending, the bank separates customers into categories. So, these are holders of salary cards, pensioners, new customers wishing to issue a "credit card", customers with a positive credit history, employees of companies that are partners of the bank. Accordingly, and the conditions for issuing loans for each of these categories are different. Although the bank "Levoberezhny" puts the same interest in different branches. Novosibirsk, Kemerovo or Barnaul - regardless of where the branch office is located.

Other products

In addition to lending and depository activities, the bank also conducts a number of other operations. In particular, it is the exchange of currencies, the processing of bank cards, the opening of accounts to save funds, the opening of a mortgage to purchase real estate, the provision of private services remotely, placing valuables in bank safes and so on. All this allows the client to work with the same bank, regardless of the service that he needs.

Customer Testimonials

The general list of opportunities that the institution provides its clients is, of course, good. But to understand how this or that bank works, it is possible only after acquaintance with the real clients' opinions. And you can do it on specialized resources, for example, on the forums of depositors and borrowers. What we did to understand what the bank "Left Bank" is.

Novokuznetsk or Kemerovo, Barnaul, or any other city where the office of the office of interest is located, does not matter - the site contains feedback from people from all over the country. And for them you can find out, for example, that in some branches customers are offered to exchange currency for 5 rubles cheaper, but without queue; In others - they delay payment of interest on the deposit; But somewhere - they threaten after issuing a loan. All these negative reviews were left by those who remained dissatisfied with the service in the "Left Bank". In fact, there are many such recommendations: bank employees are guilty somewhere, in some situations the fault lies with the client.

At the same time, there are also positive characteristics - the operations that interested the client were carried out successfully, and in the end the visitor of the department was satisfied.

That is, in fact, it is definitely to say that in this institution you will be served "at the highest level" or "terribly", it is impossible. Maybe it all depends on the people the client is facing.

Employee feedback

Interesting also in order to understand how the bank is arranged, will be feedback from employees. On them you can see the work of any company from the inside. Positive characteristics of employees indicate, for example, a friendly team, interesting work, a good schedule and a developed corporate ethics in the bank. Although there are also negative reviews, which speak of rudeness on the part of the authorities, about work not on the labor one, but under the civil-law contract (which means a lesser degree of protection of the employee's interests), the salary "in the envelope" (when the minimum wage is officially paid , But in fact the employee receives a completely different amount). Judging by the feedback, this is also present, so it is impossible to call the conditions of work ideal. But there is stability, the possibility of growth and, in the end, experience.