Bank Avangard

2016-06-03 00:00:00:

Avangard is a bank with more than twenty years of experience. It was founded back in 1994 and at that time was called JSCB "SADR". Two years later, the founders decided to rename the company to Avangard Bank.

The financial organization is headed by Kirill Vadimovich Minovalov . The main part of the company's securities (about 100%) is concentrated in his hands. Avangard is part of the financial and industrial group, which consists of industrial and agricultural enterprises, investment companies.

Today, Avangard is one of the largest banking networks in the Russian Federation. This network consists of 250 branches, which are scattered throughout the country: no matter what region of Russia you go to, you can find a bank office everywhere. The company has a very large staff - 3 thousand employees.

The main specialization of the bank is the provision of services related to lending to citizens (loans and loans are also issued to legal entities). The retail component is rapidly developing, which implies the issuance of debit and credit plastic cards. For 20 years, the company has issued 1 million plastic payment documents, and most of them are credit cards. Avangard entered into a partnership agreement with MasterCard , Visa , whose sphere of influence has spread throughout the planet.

Bank "Avangard" boasts the "thickest" loan portfolio. The financial institution's assets (net assets) have the highest value in the domestic banking business. Avangard's loan portfolio continues to grow, for example, in 2011 the company's assets increased by 40%.

The right work strategy is the right way to develop the company

Avangard Bank has very strict rules regarding debtors. And there is nothing surprising here: people worry about their money and do not want to lose it. This strategy turned out to be very effective: statistics showed that the bank has practically no debts (only 2%).

Incomes do not settle in the vaults of the company, but are used to purchase securities of foreign and domestic companies. The management of the financial organization has developed the right tactics for investing funds: investing implies a reasonable distribution of capital. It looks like this:

• client accounts account for 37%;
• deposits - 18%;
• interbank loans - 11%;
• securities account for 13%.

In 2011, the directorate decided to attract investments into the company. The issue of shares allowed Avangard's capital to grow by 30%; the bank's income also increased (profit amounted to more than 708 million rubles - 200 million more than in the previous year).

Use of the latest technologies in the banking business

The management of Avangard Bank closely monitors innovations in the field of banking. Advanced technologies are being introduced into the company's work that make life easier for bank customers.

Internet banking "Avangard" is very popular: more than 50% of the bank's clients use the services of this server. More than 1 million individuals and 50 thousand legal entities are registered in online banking.

The computer program "Assistant in choosing a card" is also not superfluous. It often happens that a person does not know which tariff plan to choose. Using the application, the user can easily understand what he needs and learn how to use the card with maximum benefit for himself.

Adds comfort and modern acquiring , with which you can pay for purchases in virtual outlets.

Avangard Bank also has unique offers. One of them is credit card authentication using the signature and seal of a legal entity. The principle of this technology is that biometric features of the signature are recorded on an electronic tablet: the speed with which a person writes, the pressure force, the angle of inclination. Such a system ensures the originality of the signature and prevents falsification of documents.

Avangard on the Internet

Avangard Internet Bank makes our life more comfortable and calm. There is no need to go to a bank office, stand in long queues in order to make a simple financial transaction, for example, transfer money to a friend's card or pay for utility bills. Now you can do all this without leaving your home. In the online cabinet, you can view the history of transactions or contact bank employees to apply, for example, for a loan.

Wherever you go, you can log into your Avangard Internet Bank account at any second from a PC, tablet or mobile phone. The main thing is that the device is connected to the Internet.

Avangard online bank is multifunctional.

1. Server users can get information about promotions, deposits, types of loans, tariff plans, and more.
2. Clients can track their credit history, account status, transactions, etc. in their personal account.
3. Internet bank "Avangard" allows you to carry out operations to pay utility bills, transfer funds to wallets registered in popular electronic payment systems.
4. Through Internet banking, you can also manage deposit accounts (open and close deposits). 3 types of currencies are accepted: rubles, US dollars and European monetary units.
5. Online you can transfer funds from one account to another. Intrabank transfers are free of charge. If the money is sent to another bank, then a commission is charged. The transfer can be made both in domestic and foreign currencies. Avangard cooperates with Western union .
6. Using the services of an online bank, a client can buy a ticket for any type of transport and receive bonuses that are exchanged for travel documents.
7. On the server you can book a hotel room (in Russia and abroad).

Conditions for deposits

The choice of deposits offered by Avangard Bank is small - 4 tariff plans. The deposit can be made in Russian rubles, US dollars or in European currency.

1. Deposit "Basic". You can make a deposit both at the branch of the company and on the Internet banking server. Interest is paid monthly or after the term of the deposit expires (at the request of the client). It is impossible to replenish or withdraw money earlier than the due date.
2. The Savings Book deposit is opened in rubles (directly at the bank). The deposit is valid for 2 years.
3. Rentier deposit. You can open it by depositing 5,000 euros or dollars into your account. It is not replenished or withdrawn until the deposit expires. Interest is also charged at the end of the term.
4. The "Multicurrency" deposit is opened online. By depositing money into the account, clients can earn income not only on interest rates, but also on currency exchange. Interest is accrued every month or after the deposit expires.

Lending to citizens

Bank Avangard provides loans to citizens of the Russian Federation. The loan can be transferred to a credit card account, or you can open a car loan.

When providing loans, the company sets certain conditions for the borrower in order to at least slightly protect themselves from fraud. The requirements are simple and doable:

• loans are issued to citizens of the Russian Federation with permanent registration;
• the borrower must have a permanent place of work (certificate is provided).

This is all that the bank requires from the borrower: guarantors and a certificate of the amount of salary are not needed.

Credit cards from Avangard Bank are the most profitable option for obtaining a loan. But when opening a loan, the borrower must understand that the company does not encourage debtors: there should be no delays in payments.

Young people can also take out a loan at Avangard (the minimum age is 19). This is an advantageous offer for students who need to pay for tuition. The maximum age limit is also regulated by the loan regulations and is 58 years.

The amount of the loan depends on the income of the borrower and the documents provided. Interest rates on loans are different - from 12 to 30%.

Bank "Avangard" provides loans for a long term. Using a credit card for the first time to pay for goods or services, the client can repay the loan within six months - this is a grace period. After this period, 50 days are given to repay the loan. During this time no interest is charged. Only the minimum repayment (10% of the total loan amount) is required.

People who want to buy a car can easily make their dream come true with a car loan from Avangard Bank. Loans are issued both in domestic and foreign currencies (the interest rate will depend on the type of money). The company offers a promotion to regular customers - a lower rate.

When opening a car loan, the borrower pays 30% of the car price. And the larger the first installment, the more privileges the bank will provide to the client.

The conditions for obtaining a loan for the purchase of a car in Avangard Bank are loyal:

• a certificate from the place of work on the amount of salary is not required;
• the company does not insist on an insurance policy;
• There are no restrictions on the loan amount.

Currency exchange procedure

You can exchange currency at the bank. Avangard is actively working in this direction. Clients often exchange dollars and euros for Russian rubles and vice versa.

The company practices all kinds of promotions, thanks to which people receive discounts, for example, for exchanging a large amount in one operation.

You can change money both directly at the bank and in virtual mode. Conversion is carried out at the rate offered by the currency exchange. Money will be transferred to the user's wallet within one second. The exchange can be made during business hours (until 19:00 Moscow time).

The exchange amount is calculated using special programs (the company's tariffs and the exchange rate at the time of the transaction are included in the calculation). The client observes changes in the exchange rate on the currency exchange directly in his online account. Thanks to this opportunity, the user can purchase currency at the most favorable rate. The conditions for the exchange are determined by the individual. If the client has already entered his data and was about to press the "Exchange" button, but noticed that an unfavorable rate has been established for him, then he can cancel the operation.

A commission fee is charged for the conversion transaction, the amount of which depends on the volume of the purchased currency (0.15-1%).

Avangard cooperates with many exchanges that specialize in cryptocurrency . This enables bank customers to exchange their money for Bitcoin or another type of electronic currency. For this, the service "online exchanger " works. Conversion is performed in manual and electronic modes.

Cash and settlement operations

Banking organization "Avangard" practices non-cash transactions (cash and settlement), based on the agreement of the parties: transfer of funds from the client's account, the issuance of real money, etc.

Avangard opens settlement accounts for:

• enterprises and organizations;
• representatives of small and medium-sized businesses;
• Russian citizens;
• foreigners.

The financial institution provides settlement and cash services to more than a hundred thousand enterprises of various kinds.

The main advantage of this type of service is affordability. Settlement and cash transactions are carried out through Internet banking and terminals. The user does not need special knowledge; online banking does not require super complex programs. Information about the transactions carried out is sent directly to the client's mobile phone. Applications for opening settlement accounts are submitted both at the bank branch and in virtual mode.

To open an account without leaving your home, you must follow these steps:

1. go to the official website of the bank;
2. fill in the application form;
3. upload all necessary documents;
4. bring the original documents to the bank.

The activity of Avangard Bank is regulated by the legislation of the Russian Federation and is accompanied by licenses and other permits.