Banking group life client bank. Life financial group

Another Russian kozhen knows for certain that such credit is secured by credit.

Poziki go to the redemption of banks, as a means for the purchase of cars and housing, to pay for education, repair, or refurbishment.

On the Russian financial market, there are impersonal credit organizations to propagate to the citizens to take a stand for the politicians and minds that are wise for them.

Credit programs of financial organizations:

"Finance Group Life" is the largest holding company with regional banking institutions, which has been successfully operating on the financial market of the Russian Federation since 1993.

Branches of banks, which are included in the financial group, are distributed in 200 cities and 48 regions of the country. The following banks have gone to the Life group:

Bank Express Volga;
"Probusinessbank";
"Gazenergobank";
"VNZ-bank".

There are over 400 offices in the whole country. For the sake of the RBC rating, the Life group took 14 months in 2011 for the number of registrations of unrestricted positions.

Significantly, the financial group is actively involved in micropozic care providers.

Credit programs of the "Life" group:

Financial group "Life" encourages the citizens to issue positions without guarantee and security for the kіlkom programs:

"Penny Express". For the minds of this program, the applicant can take credit money for up to 200,000 rubles for a period of 2 years;

"Personal Credit". The amount is seen at the border from 5,000 to 1,000,000 rubles for one day;

"Debt Credit". Permanent clients of DK "Life" on this product can take the position on the minds of the minds;

"Pension credit". The program transfers credit funds to pensioners and veterans.

For all goods, groups of positions are identified by the term up to 10 years from the first crediting period - 55 days from the rate - 40%. The repayment of the billing is due in equal payments.

You can apply for a position on the website of the Life group in online mode. The application will be reviewed with a stretch of 15 minutes.

E-banking from Life group:

By becoming a client of the Life group, you will have the opportunity to use an electronic bank, which gives you the opportunity, without leaving your home:

Vіdkrivati ​​deposits;
Controlling all operations on the rachunka;
otrimuvati whiskey for rachunk;
Rozrakhovuvatsya for the arrival of services, comrades;
Pay for the Internet, utility services and services for calls;
Zdіysnyuvati a penny rebuke;
Arrange insurance;
Submit applications for withdrawal of credit sums;
Make virtual cards;
Issue credit cards;
Analyze your screenings for help with the "Diagrams of the cards";
Vіdkrivati ​​rahunki ICE;
Practice on Forex;
Buy, sell valuable papers;
repay the debt;
Pay commissions and fines;
omit guessing about future obov'yazkovі payments;
Take professional care of your health in online mode, Skype and by phone;
Keep up to date with all the new products of the Life group;
Koristuvatisya mobile banks: "SMS-banking", "Life-banking for Android" and "Life-banking for iPhone".

Loans prepared by Life Group:

The skin client of the group can, upon registration of positions, take credit fees for preparation for the programs:

"People's credit without guarantors and dovіdok". Koshti are seen in sums up to 200,000 rubles. Refinement of 2-PDFO is not required. Pennies can be obtained for 2 years;

"People's loan preparation". The amount of the loan to become from 5,000 to 1,000,000 rubles. Lending term - 5 years. The guarantee of that security is not necessary;

"Social credit". For the minds of these programs, the cost of preparing can be taken by the bulk, like practicing at the lighting, medical institutions at a low rate.

Gromadyans from 23 to 80 years old can become a promoter, and they are the gromadyans of the Russian Federation. With the withdrawal of positions, the group of the guardian's income is the same as the guardian, which allows you to take the money for more great peace. For spіvpratsi with the bank, it is necessary to submit a passport, IPN, confirmation of water or a pension, for people up to 27 years old - a military ticket or a confirmation that confirms the military service.

Based on the posted material, you can make visnovok, which the “Life” team prophesies to its to potential clients vigidnі and tsіkavі credit products.

Having accepted the credit card of this group, the client automatically becomes a participant in various programs and may receive bonuses and discounts when using the card for the purchase of goods, services.

Likewise, the group "Life" values ​​its current clients, propagating them the most promising propositions on loans, and lowering them to new clients.

Group Life

Financial Group Life (FGL) is a company that has united under its brand nameless financial institutions throughout the territory Russian Federation. The participants were companies and banks of both regional, federal and international significance.

All members of the Life financial group are investigating the development and successful implementation of the principles of client partnership by the company, which allowed the creation of a system of intensive innovative services in the field of finance on the territory of Russia.

Zagalni ambush of the financial group

At the first stage of its development, the financial group Life has adopted a number of solutions to change in the light of the tired standards of classical business as well as the policy of business exchange with customers.

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A new logical model for us before transferring:

1. Povna vіdmova vіd vikoristannya in the robotі credit committees:
   Maximum implementation of the strategy of personalization of all equal business processes;
2. First of all, think of the maximum guarantee of professional management of capital investments of both great companies and physical features- private investors;
3. Focus on long-term client-partnership information in all areas of the company's services;
4. High level of efficiency and efficiency of the work of financial managers;
5. Intensive promotion of modern innovative business methods and business models.

Logo

The principles laid down in the new model of financial activities of the Life group were marked on the її zagalnomu logo. Vіn rozroblyavsya in the Moscow spacecraft "АіС" and є rich tracing paper kіtin, scho share.

Elements of culture mean the multiplicity and development of groups, and the cryptic picture of the guesswork of the human finger - what to say about the main personalization of the work with the company's clients. All the little ones on the macro level are made up of the totality of zeros, which is pulling on the progressive capitalization of the entire structure of the financial group.

Departments

All structural warehouse groups Life, companies, banks, firms and others have established, function on the basis of center-based self-reliance. FINTORIVE MAKE HIS Robot Vіdpovyky to the minds of Bisnesu for ~ Nisі ta їktorії, ale z. Korigayvnyamov Vіd Governance, for the additional group of Kompaniyiv, Yaki I log in the basic Lynії TDROGIІLI FISNIOBI WHOLETICS FOR SMIRT PIDRORODIL VІDPOVYDUD TO INFORMATSIKY, SHO STRIKOVE TO THEM.

The FGL is structured around a mentally self-sufficient financial institution with a subordination to the head office of management. At the head office of the Life for skincare company, key business directs organized special profile subgroups, skincare for some of its representatives to the top management of the company.

V present moment Group Life may come up with specialized business developments – Departments:

• Express lending;
• Medium and small business;
• Distribution business;
• Corporate business;
• Market of finance.

Such a structure supports advanced business management schemes and brings excellent results in practical business.

Values

For the dermal structural treatment of FGL, as well as for the dermal okremy spіvrobitnik, the company has expanded the cіnіnіsnі orientiru, dotrimuvatisya yakіh is necessary in the first plan.

In addition, the guidelines include the following:

• Effective work in a team with the priority of mutual assistance and mentoring;
• Povna vіdpovіdalnіst аnd glyboka dovіra schodo kliєntіv;
• Client loyalty and business partnership, which will ensure the long-term construction and stability of a sleeping business;
• Vidkritіst, honesty and steadfast professionalism to give the Life group a command warehouse of the highest level and an excellent business reputation.

Ratings of financial group Life

At this hour, there is a protracted recession on the world financial markets and markets of Russia, which often makes it worse financial operations and more risky. However, no matter what, the leading world rating business agencies recognized Financial Group Life as an economically valid statement.

FLG was assessed from a global perspective as a whole set of advantages:

• The number of assets of the group was rated as “good”;
• liquidity ratio, assessments as “sufficient”;
• Riven borgovoi prostrochnosti assessments like "pomirniy".

• High rate of diversification of the factoring portfolio and its value;
• Tired structure of the robot and the main lines of development;
• Zagalnu profitability and positive balance of the company.

Obviously, such a success in the unhealthy economic hours, if there are serious problems in the rich hard companies, the stars could not appear. At the Central Federal District, Vizyzhennі in the BIK FGL became їїst in the city of Yakіst Wovihih Fіnostan, Shaho allowed the vigid І z mіnіmalnimi rizikov перозоділяти бізен Отвантенный Вострой Вістовіїї system.

The business basis of the Life company consists of:

1. BAT JSCB Probusinessbank (parent company);
2. VAT "Gazenergobank";
3. BAT CB "Solidarnist";
4. ZAT JSCB "Express-Volga";
5. Business Development;
6. Collection agency Life;
7. VAT JSCB "VNZ-bank";
8. Factoring company Life;
9. ZAT "National bank for protection";
10. WAT KB "Hodimo!".

System s tsikh and іnshih finustanov:

• There are close to 70 regions;
• Maє mayzhe thousand vіddіlen;
• May be close to four million clients warehouse legal osіb;
• May ponad 4 million clients of the physical warehouse;
• May 20,000 spivrobitnikiv and service personnel;
• Enter the top 30 for the number of ATM security;
• Enter up to the top 10 banking groups;
• Successfully present over 20 years on the market.

FG Life may still have officially confirmed ratings:

1. Top 50 types of the agency "Expert RA" for loans and deposits of the physical parent company;
2. Credit rating for factoring by Rrusrating agency: “Stable (ВВВ)” – for the national scale and “Stable (ВВ)” for the international scale;
3. Rating of online banking by the agency "Markswebbrank&report" - 8th place.

Wash away spіvpratsi z company Life

FG Life Volodye over dialing all the main services and products in the field of finance and promote them on the most important minds in the greater part of the territory of the Russian Federation.

Members of the Financial Group Life structure create the whole range of classic and innovative banking:

• Investment services;
• Penny rebuke;
• Accept deposits of legal and physical entities;
• Factoring and leasing;
• Zdiysnyuyut rozrahunkovo-cash operations;
• To impose remote banking;
• Services to development;
• Lending to both large and medium companies;
• Viroblyayut debit-credit cards and spozhivchih pozichok;
• Viroblyayut poses to state employees;
• Collection services.

The head office of the mind spivpratsi z FGL - the whole personalization of the "client-manager" scheme of work. Decisions about lending are no longer accepted by low-dynamic credit committees from a small number of dozens of participants. The client is expected to have a personal highly professional manager, who himself determines the level of the client's credit confidence and carries the same financial resilience.

Such a scheme gives the best indications, widely revered in practice with positive results both for clients and for FG Life.

Notes about cooperation with the Life financial group

Advice from spivrobitnikiv

Igor, spokesman for the company.

• Plusy: the salary is fully official, it is paid according to the European system - once every two days We must comply with the established contract. The cross-sectional work team is friendly and chuyny.
• Cons: there are no quarterly bonuses and the thirteenth salary. Some innovative awards, which are paid, are distributed ahead of time.

Katerina, spokesman for the company.

• Plusy: the bosses are not particularly strict and stingy to the worst damage to labor discipline (I can’t say a word for the occasional delay, aby the robot has gone). The company does not skimp on corporate governance. On the days of the people, obov'yazkovo is hovering. Labor Code full obligation: pay, let go Really car'erne growth.
• Cons: they don’t pay for the rework, they don’t pay wages for the services of the rokiv. The authorities sometimes do not directly vikonu tsі obіtsyanki.

Dmitro, spokesperson for the company.

• Pros: do not squeeze out creative potential - you can try and try out the best schemes for attracting clients. A chic high-rise office with a wonderful panoramic view through the sloping panels. Friendly and orderly team. Finish off high rіven professionalism.
• Minusi Note: the customer's warehouse is mostly trapped, so great customers all go through bank-factoring. The core state is already strongly inflated, and in the state of the main practitioners, sickness is observed.

Anna, company spokesperson.

• Pros: very friendly young team. Great rіven ambitnostі molodi. The company does not guide a set of unacknowledged fahivtsiv, or they started without confirmation. Usі viplati zdіysnyuyutsya at the lines and in full obsyazі. Mitsna labor discipline.
• Cons: deak nezazumіlіst system robocheskih navantagen schodo salaries: roboche zavantazhennya steadily increases, but the salary is not. Vzagali, for an increase in salary, without relatives and friendly stosunkіv from the authorities, do not speak better.

Bank

Company Life is to file a home organization, as it has become a huge ban. Її participants є to reach great banks, such as: "Express-Volga", "VNZ-bank", Ivaniv Regional Bank, "Bank24.ru" and "Gazenergobank".

Life financial group - our look back

Group Life is the largest operator on the Forex market, which gains popularity and owes its strong expansion and practice. For all the years, life has become the most friendly mind to trade on the Forex market. It is necessary to bring not only to a successful development, but to the expansion of the sphere of activity. Beginning in 2004, all current banks of the Forex Life broker became direct participants in the combination of deposit insurance. Tsey krok having allowed to guarantee the savings of the raiders' nayavnyh koshtіv. Procedure for introducing and seeing penny koshtіv takes the minimum amount of an hour - approximately a sprat of khvilin. This is a great perevaga that allows you to perform penny operations without problems, that zayvih vitrat an hour, which was not earlier. Financial group Life is under the laws of the Russian Federation, which allows you to be calm for any circumstances.

Rating site of financial group Life

According to the ratings of this financial group, it can be said that the stench is high, that it allows you to change the competence and qualifications of the group represented. Life borrows another place for a large number of state ATMs in the territory of Russia. Also, the financial group Life has risen to the rating of "500 largest companies in Russia", which is held shortly. Picking up the bags for 2009, you can add a bag about those that the company is moving forward fast, moving forward its positions. Already in 2009, the Rotary Financial Group placed 206th in the main rating and, by the same token, moved up to the top five companies, as they showed the most efficient results for the increase in in-line rivers. As if to hold a match with 2008 rock, the company climbed 201 gatherings uphill - the results were astonishing, which are not rich, but rather the best. In the sphere of business association, we are rebuying sim vplivovyh commercial banks. These include a lot of specialized subsidiaries.
For a large number of assets, which is in the financial group, the company is included in the TOP-30 Russian banking associations, and also included in the TOP-5 - as the largest creditor in the small business sector.

LIFE financial group is a great Russian banking holding, founded over 10 years ago.

The head organization of FG LIFE and BAT JSCB "Probusinessbank".

Financial Group Life joint BAT JSCB Probusinessbank and its daughter banks and companies: ZAT JSCB EXPRESS-VOLGA (Saratov), ​​VAT VNZ-bank (Yekaterinburg), ZAT National Bank for Protection (Ivanovo), VAT "Gazenergobank" (Kaluga), VAT CB "Hodimo!" (Moscow), VAT CB "Solidarnist" (Samara), TOV "Factoring company "Life" (Moscow), TOV "Probiznes-Development" (Moscow), as well as the brand "Life Bank" in Ivanovo.

The banks of the Group serve over 4 million clients-physical entities and 200 thousand clients-legal entities. The group may be four in the region of physical presence from over 800 years. About 17 thousand people work for the Group.

Members of Group LIFE are cherished by high values ​​and standards of business management, a unified treasury, an IT platform, a call center, as well as a unified culture of banking services, so as to ensure respect for the skin client and blame service.

SHAREHOLDERS

BAT JSCB "Probiznesbank" control the top managers of the bank: the president and the head for the sake of directors Sergiy Leontiev (29.8%), the first vice president Eldar Bikmaev (11.72%), the head of the board Oleksandr Zheleznyak (11.43%). Senior Vice President Eduard Pantelyev May 5.46% of the bank's shares. Reshta 41.59% of the bank's shares belong to portfolio investors (Swedish investment fund East Capital (19.93%), Blue Crest (7.94%), Rekha Holdings (6.5%), Burmash Holdings (7.22%).

SPECIALIZATION

LIFE financial group operates in all segments of the banking business. Probiznesbank, VNZ-bank, Express-Volga and Gazenergobank universal banks and serve private services, small and medium-sized companies and corporate clients. Other banks with monoliners: Bank Hodimo! Propose financial solutions for private businesses, Ivaniv National Bank for employee benefits public sector. Probiznesbank, through its investment promotion "Life Capital", provides the Group's clients with access to the financial markets.

CB "SOLIDARNIST" AT WAREHOUSE FG LIFE

Having become a part of the Group, Solidarnist bank plans to repeat the success of the Kazakh Gazenergobank, which, as a result of the reorganization, became a part of the Financial Group LIFE in 2008, for 5 years federal rіven, and today is a stable and successful bank. Bank "Solidarnist" has no less ambitious plans, and at the same time one of the main tasks for the new one is to fundamentally change the notification of its customers about banking. Even all the banks of Group LIFE - price innovations, technologies, quick solutions and independent businesses, aimed at results.

Reports about FG LIFE can be found on the official website of the team