Banking houses. "The Banking House", St. Petersburg. ZAO Banking House

Banking houses have become equal members of the Russian banking system. They are a trade, acceptance, or other banking enterprise, owned by a particular banker, or a partnership of unlimited bankers.

Areas of activity

Gradually the banking houses (DB) evolve into joint-stock companies, merge with international banking associations, concerns. On their basis, the headquarters of financial groups are created. Their field of activity is extremely wide. In addition to the basic banking services (loans, deposits, currency exchange, card processing, money transfers), the DB actively participates in stock speculation, insurance, trade operations with raw materials, precious metals, mediation, design consultancy, loans, issue-founding activities And other financial transactions.

ZAO Banking House

According to the issued license No. 2928 (December 19, 2003), the bank has the right:

• To attract funds of individuals in foreign currency, rubles for placement in deposits.
• Place, attract precious metals.
• Carry out banking operations in currency, rubles (without the right to attract funds from individuals).

One of the largest databases of St. Petersburg (not to be confused with the "Russian Banking House"), the bank is a credit organization registered on June 27, 1994. State registration number: 1027800011524. The authorized capital is 3,670,340 rubles.

Primary activity

"Banking House" is a bank that carries out a variety of banking operations on the territory of the Russian Federation. Is a participant in the all-Russian program of mandatory deposit insurance for natural persons. According to the law, each depositor in the event of restriction of the bank's activities is guaranteed to receive a full refund of the deposit, but a maximum of 700,000 rubles.

As of 01.01.2014, the Bank has 10 internal structural units in St. Petersburg and 1 in Moscow. The Moscow branch of ZAO AKB "Bankirsky Dom" was founded in 2001. One representative office in Finland (Kotka) was opened.

To clients of the database offers a list of banking services that do not contradict the available licenses. He has the right to carry out authorized operations with precious metals, foreign currency, rubles. The main target orientation of the bank is retail service, that is, the availability and satisfaction of the needs of a wide range of individuals and enterprises in a variety of bank services:

• Settlement and cash services (CSC);
• Loans;
• Operations with bank cards;
• Deposit operations;
• Renting to customers of safe cells.

Management of client funds, personal management services, development and implementation of individual financial transactions are under the special control of the bank. Within the framework of currency services, the bank continued to provide services in the following areas:

• Execution of currency control;
• Maintenance and settlement of foreign currency accounts;
• Exchange of cash currency;
• Sale / purchase of non-cash currency in the account of an open currency position of the bank.

Revenue sources

The income levels of the Banking House for the first quarter of 2014 are concentrated on four main areas:

• RCO;
• Interest on loans;
• Commission for currency exchange transactions;
• Income from operations for renting safes.

Credit and exchange operations occupy a leading place in the total income of the "Banking House". As part of the service to the population, the organization continues to provide individuals with services such as opening bank accounts, managing them, transferring funds without opening accounts.

According to the report of the credit organization as of July 1, 2014 on financial results, total revenues amounted to 760,715,000 rubles. After deducting expenses, taxes, liabilities, the profit was 6 324 000 rubles.

Bank Policy

One of the directions of the client policy of the "Banking House" is the formation of partnership, even trust, relations with citizens and organizations. The Bank willingly supports mutually beneficial projects.

Management of client funds, personal management services, development and implementation of individual financial transactions are under the special control of the bank. Within the framework of currency services, the bank continued to provide services in the following areas:

• Execution of currency control;
• Settlement services, including maintenance of foreign currency accounts, settlement operations in foreign currency;
• Operations with cash currency;
• Sale / purchase of non-cash currency.

Reviews

If you analyze the Internet Banking House, customers' reviews are often neutral. The financial institution copes with its tasks. Visitors are satisfied with the quality of service. On disputed issues, the administration reacts reasonably, in case of its incorrectness, corrects mistakes and apologizes. If the client unreasonably makes claims, politely, explaining the reasons (on the basis of laws, contracts, contracts) explain this or that action of the company. Some visitors like the home atmosphere in the offices, different from the deliberately strict situation of large banks.

On the conditions of work in the organization "Banking House" reviews of employees are standard for such companies:

• Employees are impressed by the opportunity to start work without much experience. The bank is excellent as a launching pad for starting a career in financial institutions.
• Both visitors and a number of employees celebrate a friendly team.
• Some workers note not the highest salary in the banking sector and the need to work hard and hard.
• Wish: in a number of offices to make cosmetic repairs, to update office equipment.

Banking house: details

The bank is registered and in fact is located at the following address: 197046, St. Petersburg, Malaya Posadskaya Str., 16, lit. And, pom. 6H. Telephones: (812) 4973698, (812) 6437714, (812) 4973705.

As of 31.12.2013 the owners of shares were:

Name of the Chairman of the Board of the Bank - Astapova Tatyana Pavlovna.

The Chairman of the Board of Directors of the Bank is Lidia Ivanovna Romanova.

Conclusion

Banking houses are inseparable from the global economic environment. The banking system of the Russian Federation, like the whole world, feels the consequences of the crisis, functioning in a special regime against the backdrop of uncertainty, structural changes, the emergence of new international capital centers, offshorization of financial flows, and accelerated capital migration. Sanctions of major powers pose additional instability in the banking sector.

The work of the system is complicated by the consequences of the global financial crisis that is not passing through, instability in Europe, transition to Basel standards. The domestic banking system is still objectively behind the systems of developed countries. Causes of instability:

• The growth of the economy is tied to commodity exports.
• Lack of clarity on which model to build the banking system.
• Insufficient investment attractiveness of the sphere, including due to its low capitalization.
• The infrastructure of the banking sector is far from optimal development.
• Continuing outflow of capital.

Perhaps the banking houses, due to the flexibility of management, have some advantages in a number of banking spheres when working with local people and organizations in their region. Bank "Banking House" is proof of this. The company overcame the recent financial crisis in Russia without consequences. Works with profit. Attractive interest rates on deposits and their low entry threshold allow people with any income to increase their funds. Important advantages are the absence of hidden commissions and clear contract terms.