The services provided by
AKB EUROPEAN INDUSTRIAL BANK / ZAO |
Benefits of services provided by
AKB EUROPEAN INDUSTRIAL BANK / ZAO
and efficiency of the service to a client |
| I. SETTLEMENT AND CASH SERVICES |
1. Account Opening
Chief Economist of Account opening and service Department
Mrs. Ekaterina Komarkova Tel. 221-28-00 |
1. Account opening and running
2. Opening of subsidiary account, factoring account and special account of clients, including those who have running account in another bank
3. Opening of provisional account for the purpose of authorized capital creation
4. Authorization for opening a subsidiary account
5. Payments in due course execution
6. Reception of check-like instrument for COLA
7. Purchase and sale of foreign currency in dematerialized form
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The client pays only for one account regardless of the accounts number to be open.
Opening of provisional account and deposit account is free of charge.
Opening accounts for legal entities and self-employed entrepreneurs in case of shifting from another bank - free of charge.
Opening of running accounts for self-employed entrepreneurs in case of transformation into legal entity - free of charge.
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2. Performance of money transfer for individual persons without opening account.
Chief Economist of Account opening and service Department
Mrs. Ekaterina Komarkova Tel. 221-28-00
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| 1. Money transfer in RAPIDA System |
Possibility to use the means at the day of receipt.
Individual attention to client.
Competitive tariffs.
Complimental advisory services on any issues of settlement and cash services, correctness of documents draw-up.
Execution of payment order at the day of delivery.
Provision of technical means for payment orders draw-up - free of charge.
Payment in due course performance within 10 minutes.
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3. Electronic Banking System Service
Chief Economist of Account opening and service Department
Mrs. Ekaterina Komarkova Tel. 221-28-00
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1. Payments in Russian Roubles and foreign currency
2. Issue of payment demand order
3. Accept of payment demand order
4. Receive the information about current, special and credit accounts
5. Transfer of information messages of the Bank
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Possibility to manage the accounts from office regardless the remoteness from the Bank.
Leads and lags.
Real saving the monetary means of an enterprise, working time of personnel.
Improving reliability of transfer performance, document exploitation process simplification.
Competitive price.
Possibility to have latest update about balance of accounts and receiving Statements of Accounts.
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5. Net cash money service - in Russian Roubles and in foreign currency
Head Teller
Mr. Oksana Lepihova Tel. 221-28-00 |
1. Money in cash reception in order to credit to accounts of clients
2. Money in cash reception from legal entities, standalone subdivisions, self-employed entrepreneurs for cash settlements in order to credit account of branch of a bank client or other bank client
3. Issue cash liquidity from account
4. Transportation of high-value consignments and immediately available funds of the Bank clients
5. Banknotes verification
6. Banknotes examination for radioactivity, dilapidation and other conditions
7. Check-books draw-up and issue
8. Foreign currency in cash purchase and sale
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Competitive tariffs.
Possibility to open a cash settlement centre on the client's territory free of charge.
Reception of proceeds from sales to the cash department until 9 p.m. daily, seven days a week.
Free advisory services in the issues of works with cash liquidity.
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| II. Bill business |
| 1. The Bank's bills of exchange issue |
No commission for bills of exchange applied |
| 2. Accord a respite in payment when bill of exchange issue |
The fee for accord a respite on payment is in 2 times lower then credit rates |
| 3. Negotiation of our own bills prior payment deadline |
Market interest rate. Liberality on terms. The same day settlement. |
| 4. Our own bills of exchange return |
No commission for the Bank's bills of exchange applied, regardless the place of issue. The same-day presentation for payment. |
| 5. Bill of change split (change the Bank's bills of change) |
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| 6. Bills of change of banks (purchase prior payment deadline, REPO operations) |
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| 7. Business with bills of exchange of Russian issues bodies (GAZOROM / OAO, biggest Russian banks) |
Verification of GAZPROM / OAO and GAZPROMBANK / ZAO bills of exchange. |
| III. Lending transactions |
| À. Short-term and long-term lending |
Short-term and long-term lending
Economist of Active banking transactions Department
Mrs. Anastasia Bobrysheva Tel. 221-28-00
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1. Non-current assets replenishment (fixed assets acquisition, retooling and modernization of producing operations etc.)
2. Short-term lending for current assets replenishment in the form of non-instalment credit, revolving line of credit etc.)
3. Overdraft lending - advances of funds for overdraft hedging on the current account for the purpose of prompt payment of borrower's payment order
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All types of lending are provided with a right of anticipated redemption.
Revolving line of credit provides the best possibility of budgeting.
Overdraft lending is convenient in case of short-term funds insufficiency on the client's account.
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| B. Lending transactions with bills of lending use |
| 1. Bills of change sell with deferment of payment |
Floating assets increase by chipper then credit reception way. |
| 2. Financial leasing — purchase of property from a supplier with assets stripping to a client |
Low interest in national currency.
Leasing agreement can provide fancy-free and accelerated capital allowance of the property leased. In order to draw up a leasing agreement one need an amount of guarantee from 20 up to 50% and/or the lessee proprietory funds participation in the amount from 20 up to 50% of unit being leased.
Leasing does not demand non-recurrent heavy capital investments.
Leasing does not affect funds set by an enterprise and its profit.
Lease-payment excluding purchase payment are recognised as costs to the fullest extent.
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| Ñ. Appraisal of the property to be collateralized |
| 1. Collateral appraisal and consideration |
2. Examination of property valuation, that was contributed into Authorized Capital
3. Åvaluation of the property of a client
4. Evaluation of the property pawned in case if property pledged is changed and it's spear-headed by the client in the lending period from the funds of a credit line for small and medium business support.
Mrs. Anastasia Bobrysheva Tel. 221-28-00
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