Alfa Bank

2016-06-14 00:00:00

Alfa-Bank is one of the ten largest financial institutions operating in the Russian Federation. The company has subsidiaries operating abroad. The United States of America, the Netherlands, Cyprus, Great Britain - in these countries there are banks whose work is directly related to Alfa-Bank. Branches of the company are also open in neighboring countries. Approximately half a thousand branches were dispersed on the territory of Russia and other countries. The headquarters of the organization is located in Moscow.

The financial structure takes care of the comfort of its customers and offers various types of services that can make life easier for a modern person.

 

The history of the bank. Difficult 90s

The activities of Alfa-Bank began in the 90s. This period was very difficult for the economies of the countries of the former Soviet Union. Many different structures appeared, trying to "win their place under the sun", but only the strongest survived. Alfa-Bank is one of the few banks that not only managed to stay afloat, but also actively developed and expanded.

The founders of the company carried out reforms that helped the bank to fully function in difficult economic conditions. The state needed commercial structures of this kind: loans were needed for the development of industry. Ordinary citizens were also not opposed to taking out a loan to purchase a home or a car.

The company received permits for financial activities in 1991. Almost immediately, the bank began issuing loans. Individuals, representatives of small and medium-sized businesses, large companies and industrial enterprises willingly became clients of the enterprise.

The list of Alfa-Bank's services did not end with the issuance of loans. The company's management took an active part in investment programs. The company was engaged in trade financing and leasing.

 

Ups and downs

2003 was a significant year for the bank: the company topped the rating of the best financial institutions in Russia. Forbes magazine wrote that the level of customer service of Alfa-Bank complies with international standards. In 2005, Forbs stated that the company is developing rapidly and efficiently.

But 2004 was not very successful for the organization: about 20% of depositors who kept funds in deposit accounts took their "hard earned" money. The company was forced to take extreme measures and apply penalties to customers who prematurely terminated the contract (the penalty was 10% of the deposit amount). The panic arose because of the media, which spread negative information about Alfa-Bank. The company even filed a lawsuit against the editors of the Kommersant newspaper.

The main directions in the activity of Alfa-Bank

The Bank coped well with these difficulties. The company's employees worked hard on structuring and modernizing the activities of the financial institution. Today, Alfa-Bank is a universal bank that is available to all categories of citizens. The priority directions of the company's activity are intensively developing.

1. Producers and suppliers were able to trade on a deferred payment basis. This set of services is called factoring.
2. Individuals, as well as enterprises and organizations, can use leasing services and get a large amount of money on credit for the purchase of expensive goods.
3. The Bank invests capital both in securities and in various promising projects.
4. The company offers various types of loans.
5. Much attention is also paid to the security of client accounts.

 

Payment cards from Alfa-Bank

Each client of the company can issue several payment cards. The Alfa-Bank card, which has an individual design, is especially popular. At the request of the client, any images can be placed on the card, including photos of loved ones.

The company offers several types of payment cards. They can be debit or credit. Each has its own characteristics.

• Alfa Miles . This card will be beneficial for people who travel frequently. When purchasing tickets, there are bonus miles; they can be exchanged for travel documents.
• World of Tanks and World of Warships is a great gift for fans of popular computer games. As a bonus, you can get a premium account for a month. In addition, no commission is charged when replenishing the balance from a third-party bank account.
• Alfa-Bank MasterCard standard . With this card, you can make money transfers to / from accounts of third-party financial institutions.
• Cosmo -map. This plastic document will appeal to women. It provides discounts on payment for services in beauty salons and cafes. There is a similar kind of proposal for the strong half of humanity. Men can get discounts at bars and restaurants, gyms and private events.
• The Alfa-Bank electronic card allows you to pay for purchases made in virtual stores.

These are far from all the cards offered by Alfa-Bank: there are about 15 types of them. Each client can choose a payment document in accordance with their needs.

ATMs and terminals of the company are dispersed throughout the country, so there will be no problems with withdrawing money.

Online banking: Alfa Click

For the convenience of customers, the company also operates remote services. One of them is Alpha Click. In Internet banking, you can monitor the status of your account, track transactions, pay for goods purchased on the Internet.

Through this service, you can transfer money to the wallet of the electronic payment system WebMoney , pay for cellular services or utility bills.

 

Services provided by Alfa-Bank to clients

Individuals can use the following types of services:

• open a deposit account;
• issue a credit or debit card;
• take out a loan (mortgage, car loan or consumer loan);
• make payments and money transfers.

For legal entities are available:

• settlement and cash services;
• interest-bearing deposits;
• trade finance.

Among corporate clients are popular:

• financial management;
• business financing;
• storage of funds.

Financial companies use the following services:

• correspondent accounts;
• conducting interbank transactions;
• operations with shares and bonds;
• documentary transactions.