Some banks in the process of conducting their activities are guided by regional ties. So, in their name may be the names of cities and regions in order to identify the origin of the financial structure, to show where it comes from.
One of these is Bank Saint Petersburg. The feedback from his clients shows that the structure is really actively positioning itself as such, which arose and is developing in St. Petersburg, while the departments of the institution also work in other cities.
In this article we will talk about what this bank is, what values it pursues, what it can offer the client as its services, and, finally, what kind of feedback users leave about this commercial establishment. Let's hope that the article will really give you the opportunity to learn more about the structure and whether it is worth contacting Bank Saint Petersburg. Addresses of branches, by the way, we will also put in this article.
general information
Any review should begin with a description of some of the most basic information, so we will do just that. So, the Bank “St. Petersburg”, the reviews of which we actively studied in preparation for writing this material, is a rather large structure by the size of assets operating in the Leningrad Region. According to statistics from financial sources, the institution operates at the expense of deposits of individuals and enterprises, which are represented in the structure of its capital at rates of 29.4% and 28.3% of the total bank savings.
Based on the presented figures, we can conclude that the bank is oriented towards attracting deposits, as well as issuing loans as the main instruments for increasing capital. Of course, they do not forget here that they need to install new ATMs of Bank Saint Petersburg, develop a regional network and thus make the service more convenient for the client.
Story
The information about the institution also notes that the bank "St. Petersburg" (reviews confirm this) was founded in 1990. Its previous name sounded like "Lenbank"; and in the Soviet Union this structure was managed by state organizations. Today, the bank's shareholders are Dmitry Korzhev (the head of the Multon concern, which specializes in the production of juices), Sergey Matvienko, Igor Bukato and other entrepreneurs.
In 2004, the bank joined the system of so-called compulsory insurance of deposits of individuals. This means that all deposits attracted from private individuals are insured by the state, and each owner of the deposit will receive compensation within the amount established by law in the event that the institution is declared insolvent.
In 2007, after carefully preparing its financial statements and putting assets in order, the bank managed to enter an IPO. Then, according to official information, the financial institution placed about 50 million shares for a total of $ 274 million. These funds made it possible to increase the capabilities of the banking structure in the financial market and somewhat expand the scope of its activities.
In 2011, according to the official information, the European Bank for Reconstruction and Development was included in the owners. According to information from open sources, he owns a stake of 6.17% of the total number of shares of a financial institution. Today, the head of the bank is Vladislav Guz.
Cash indicators
If you believe the various estimates carried out regarding the activities of the institution by specialists, we can say that the structure owns assets worth more than 560 billion rubles. This allows you to put it on the 17th place in the line of the rating of Russian banks and on the 3rd - if the account is kept exclusively in relation to the banks of the region. Over the previous year, the institution managed to get a net profit of 945 million rubles in the course of its activities. All this allows you to open new branches of Bank St. Petersburg, attract new customers, develop the network.
Stability
Ratings compiled by the international agency Fitch showed that the structure has the status of a stable organization with an A + rating. This is an excellent indicator for a Russian company, testifying to the competent work of the management, good market reputation and showing that this bank can be trusted with its deposits. Apparently, a huge number of customers do just that: in terms of the number of deposits attracted, the structure takes 15th place in Russia and the first in its region. At the same time, her loan portfolio is about 335 billion rubles, which makes it possible to put her on the 14th place in the rating of banks of the Russian Federation and on the 2nd - regional structures. This again confirms the successful policy pursued by Vladislav Guz as the manager of this financial structure.
Deposits to individuals
As we noted above, the bank operates with a clear bias on attracting deposits from individuals and enterprises. This is achieved primarily through a wide range of banking products that provide a variety of conditions and, accordingly, the choice.
Having visited the “deposits” section on the bank’s website, you can see more than a dozen different types of deposits having their own individual conditions. For example, the White Nights Online service makes it possible to receive 9.3% per annum, while the client will receive his interest at the end of the deposit term. Replenishment of the deposit in this case is not possible. Another deposit plan, which is provided by Bank Saint Petersburg (we also managed to find feedback about it in the process of analyzing information about the structure), is called the Rankier. The interest rate on it is set at 8.5%, with the payment of profit being made every month (it is issued by ATMs of Bank Saint Petersburg or a cashier at offices).
There are many tariffs, and we will not analyze everything in such detail. We only note that the institution’s website has a special calculator with which you can more accurately calculate your profit and find out the conditions of deposits. This is convenient because you can also indicate the amount of money available and choose a plan with which it will be more profitable.
Lending
The bank has several lending plans, under which the client can receive funds for any purpose. At least by visiting the appropriate section on the site, you will see the names of various plans, which imply the issuance of funds for different purposes, respectively, on different conditions.
Again, Bank Saint Petersburg (the reviews confirm it) provided a special loan calculator with which you can more accurately calculate your expenses for obtaining and servicing a loan at a particular rate in a certain amount. By changing the configuration of the search form (amount, term, form of receiving funds, tariff), the user can more accurately find out the amount of monthly payments that he will have to make on a particular loan.
More accurately navigate in different loan programs will help their names. For example, when issuing a loan at Bank Saint Petersburg at the Salary rate, you will receive a simple loan of up to 1.5 million rubles for any purpose. The guarantee allows you to increase the possible loan up to 3 million.
Similar in purpose banking loans are loans for the purchase of a car and real estate.True, these programs have slightly different conditions, which can also be read on the institution’s website (or ask a bank consultant).
Bank cards
Of course, a separate area of activity of the structure is the issuance of plastic cards. Bank Saint Petersburg, whose addresses will be presented in the article, offers its customers to receive a card that is more beneficial for them and meets their needs. In short, these are cards for senior citizens, travelers, prepaid cards for secure payments, and so on. Each client can choose a more suitable payment instrument.
Please note that the bank’s website also contains fees for using the card. They vary depending on what type of card you are using.
bonus program
Registered in the form of a PJSC, Bank Saint Petersburg offers its customers generous rewards for more active cooperation. This is expressed in the form of a bonus program called “Brightly”. The essence of its action is that the bank's client receives compensation for the costs that he incurs at certain retail outlets (which are the bank's partners). When paying with a card, the client receives interest on the amount spent in the form of bonuses. In the future, they can be spent on the purchase of new goods.
Business Services
Like any other financial structure, PJSC Bank Saint Petersburg also offers assistance to businesses in working with accounts. This is expressed in services such as cash management services, for example. In addition, they offer lending to legal entities and organizations, as well as options for factoring and acquiring, collection and other services that may come in handy during the work of entrepreneurs and companies.
Among other things, the bank attracts deposits from legal entities on individually specified conditions (depends on the volume of investments). You can find out in more detail about what services you can get here at the bank branch.
Requisites
In order to be able to transfer funds to accounts maintained in this structure, you need to know what bank details Saint Petersburg has. They are indicated again on the official website of the organization. You can watch them at any time of the day. So, the abbreviated name of the organization is Bank Saint Petersburg PJSC, in English Bank Saint-Petersburg Public Joint-Stock. The account number at the Bank of Russia is 30101810900000000790, BIC 044030790, TIN 7831000027, and so on. In more detail, this information is indicated on the website in the appropriate section.
Addresses
Also on the portal are the branches serviced by Bank Saint Petersburg. Their addresses are as follows: Chkalovsky Prospekt, 18; Mendeleev line 3A; 17th line of Vasilyevsky island, 18, building 3; Komissar Smirnov street, 15A and others (in St. Petersburg alone). Although, as we have already noted, the institution’s representative offices are also located in other settlements, in particular in Pushkin (24 Krasnaya Zvezda St., 24) and other nearby cities (as well as in Moscow and Kaliningrad). It is directly about the branches of the Bank "St. Petersburg".
He also has a network of ATMs, which are installed on the streets in much larger numbers. Their addresses, for example, are as follows: in Pesochny - Leningradskaya street, 68; in St. Petersburg - Vyborg highway, 13; Engels Avenue, 120M; Severny Avenue, 1; Fermskoye Shosse, 32; Prospectus Avenue, 4 and others.
Contacts
If you are interested in any question on the work of the bank or if there is a problem, you can contact the Bank Saint Petersburg using the contact information provided. A telephone that works around the clock has the following number: 8-812-329-5050 for St. Petersburg, 8-495-228-38-38 for Moscow, and 8-4012-997-000 for Kaliningrad. The line works, we repeat again, 24 hours a day.
As Bank Saint Petersburg indicates on its website, the telephone is only one of the means of communication.In addition to him, you can consult with specialists using tickets, e-mail, Skype, online chat. The client, of course, chooses a more convenient way for himself.
Reviews
What is the St. Petersburg Bank operating in St. Petersburg? According to customer recommendations, reviews are left mainly by those who are dissatisfied with some negative decision of the bank. Because of this, the overall rating of the structure is greatly underestimated: ratings are given by those who have been assessed the penalty for overdue loans, or those who simply cannot pay off their debts, which is why there is a conflict with representatives of the structure.
Those customers who simply decided to leave feedback on how the St. Petersburg Bank operating in St. Petersburg work put a mark at the level of 3.5-4 points out of 5. This is explained by the fact that there are no serious mistakes for the bank employees and service level gaps. In fact, they are trying to please the client, to do all the work faster and easier. They note positively the individual appeal of bank managers to each of the clients in the event that they have something to offer. And indeed, the structure is not in vain occupying a leading position in the market of deposits of individuals. People are ready to trust their savings only to those financial institutions that maintain a high level of service and stability in their work. Such is our “St. Petersburg”!
