orange quarter
Two and a half decades have passed unnoticed since that distant day when Belagroprombank accepted its first client. Few of the inhabitants of Ostrovets remember that his Ostrovets branch did not always occupy "mansions" on two floors with good repair, soft sofas for clients and a TV ...
– The history of our bank begins in 1991. Since that time, we have experienced more than one structural reform: we were a branch of an open joint-stock company, then a cash settlement center with a "head" in Smorgon. Now they have become RCC No. 28 of the Grodno Regional Department, -tells the head of the cash settlement center No. 28 Petr Viktorovich Ustinovich. “But one thing remains unchanged: our main task is to provide quality services to the population. And we try to ensure that customers who once trusted Belagroprombank would stay with us in the future.
RCC No. 28 operates in two main areas: servicing corporate clients and lending to some regional organizations, as well as work with individuals, which includes deposit operations, payment for various services, foreign exchange operations, various types of loans, payment acceptance, Money transfers and operations with bank payment cards.
Do not forget about the possibility to apply here insurance policies and "surrender" the proceeds as individual entrepreneurs as well as legal entities.
By the anniversary date JSC "Belagroprombank" has developed the so-called "gift packages" for its clients. You can learn more about them by contacting RCC No. 28.
“A theater begins with a hanger, and a bank with a cash desk,” exhorted the then young and inexperienced Viktor Ustinovich, its first director more than 20 years ago. A person, she taught, when he comes to the bank, first of all evaluates the “waiting room”, appearance the specialist who serves him, the attentiveness, courtesy and competence of employees. If the client feels the warmth and care of the employee, his desire to help, then he will definitely come to this bank again.
Pyotr Viktorovich follows this principle himself and taught it to his workers. This is probably why, and not just for the cheerful orange color, many islanders go to “pay for a communal apartment” in the RCC No. 28.
The language of numbers
*In 1995, Belagroprombank's Ostrovetsky branch had 51 employees. At the moment, 22 specialists work in the RCC No. 28.
* The team of employees of the Ostrovets RCC is mostly female: out of 22 employees, only three are men.
*In January-August of the current year, the profit of JSC Belagroprombank amounted to 12,000 rubles, positive financial results RCC No. 28, Ostrovets - 602.7 thousand rubles.
*Average seniority employees of RCC No. 28 - 15 years.
Unexpected twist of fate
After graduating in absentia from the Pinsk Banking College, the woman first worked with clients-depositors of retirement age, giving them the warmth of her soul, listening and helping them make the right choice or simply fill out the documents. She quickly became their own, dear and close.
- Working in a bank is not only numbers, as many people think. It is also communication. I remember an old grandmother came up to me and handed me a handkerchief, in which cookies and two sweets were wrapped in a napkin, - they say, help yourself, -says Anna Ivanovna . This warmth and sincerity will stay with me forever. And it's mine - to work with people, and it doesn't matter what age. I dream that when I go on a well-deserved rest, I will leave the numbers and help people who need the help of a nanny.
When the woman was transferred to another department, the elderly besieged the boss's office for a long time with a request to return her to her previous workplace.
For more than two decades, Anna Ivanovna has worked in all areas: she was at the cash desk, in the computer department, and “on the payroll” - but everywhere the most important thing for her was the opportunity to communicate with people.
“Everything happens at work and at home,”Anna Ivanovna says - but a kind word from the boss, Pyotr Viktorovich Ustinovich, will always help you get together, calm down and believe that everything in life is temporary - and problems too.
When you work with your soul and with pleasure, the day goes by quickly. And then another, third - a whole year ... And once looking back, you realize with satisfaction that a lot has been done during this time. But there is still more to be done: to teach young people, to transfer their knowledge and skills.
And this means that one of the most experienced specialists of the Ostrovets CCC No. 28 still has to work and work - so that her bank can celebrate more than one such anniversary with new victories and successes ...
Prepared by Olga KHOTYANOVICH,photo of the author.
The market of savings products in Belarus has always been distinguished by its dynamism: practically every day interest rates change in one direction or another, every week new deposits appear and old ones are closed. FINANCE.TUT.BY looked at what banks are now offering to depositors.
Considering a large number of offers of banks and the high rate of changes in the market, quickly finding the right option and at the same time “not selling too cheap” is not an easy task. Our rating includes deposits with different periods of storage only with fixed rates, the amount of which the bank has no right to change. The contributions in the tables are presented in ascending order from the most short terms storage to long term.
In the rating of deposits in national currency irrevocable Internet deposits from Belgazprombank, which are a couple of c "MTBelkami" from MTBank significantly increased the representation of online deposits among irrevocable deposits in Belarusian rubles.
|
Revocable |
Irrevocable |
||
|---|---|---|---|
|
Special-1 |
19.5% for 30 days |
Shkvarka |
23% for 30 days |
|
Productive |
20% for 45 days |
ON-contribution v.1.6 |
24.3% for 45 days |
|
25 years together |
21.5% for 95 days |
ON-contribution v.1.8 |
24.3% for 90 days |
|
@gro |
21.5% for 95 days |
Zepter etude |
27% for 200 days |
|
21.5% for 180 days |
ON-contribution v.1.7 |
27% for 210 days |
|
|
@gro |
21.5% for 185 days |
27% for 360 days |
|
|
Actual |
21% for 360 days |
Maximum |
27% for 360 days |
|
5 stars. Rock |
25% for 540 days |
||
During May, the movement of rates on foreign currency deposits had a multidirectional character: some banks both reduced profitability and increased it for individual products. However, all this did not affect the maximum rates in any way: 4% for revocable and 5% for irrevocable deposits (except for short terms), it remains only to choose the appropriate storage period.
|
Revocable |
Irrevocable |
||
|---|---|---|---|
|
Actual |
1.5% for 30 days |
Zepter chord |
3.5% for 35 days |
|
Productive |
2% for 45 days |
Standard |
4% for 95 days |
|
25 years together |
4% for 95 days |
Standard |
4.5% for 185 days |
|
stable vacation |
4% for 185 days |
ON-contribution v.2.4 |
5% for 210 days |
|
@gro |
4% for 185 days |
Anniversary |
5% for 360 days |
|
European for 1 year |
4% for 360 days |
Zepter etude |
5% for 370 days |
|
Practitioner |
4% for 732 days |
Standard |
5% for 735 days |
|
Vertex |
4% for 1095 days |
Anniversary |
5% for 750 days |
|
solid |
4% for 1080 days |
Irrevocable for 2 years - standard |
5% for 720 days |
|
European for 2 years |
5% for 720 days |
||
|
New |
5% for 735 days |
||
|
Strategist |
5% for 732 days |
||
|
36 months irrevocable |
5% for 1080 days |
||
And deposits in Russian rubles show little activity in the direction of increasing profitability. Three banks at once: Belagroprombank, Bank Moscow-Minsk and Francabank- Decided to raise interest rates on their products. Plus, Belagroprombank with its new anniversary product "25 years together" raised the upper bar of the rating from 13% to 13.5% per annum for a period of 95 days.
|
Revocable |
Irrevocable |
||
|---|---|---|---|
|
Alpha hit |
9% for 30 days |
Universal |
9% for 30 days |
|
Profitable | |||
The history of the modern JSC "Belagroprombank" dates back to September 3, 1991, when the Belarusian joint-stock commercial agro-industrial bank "Belagroprombank" was registered.
For 25 years, the bank has been operating as an independent financial institution, is authorized bank Government of the Republic of Belarus for servicing government programs. The bank's philosophy is "Working for the benefit of each individual client, be useful to society as a whole." More than 48,000 clients - business entities and 1.9 million individuals are served at more than 350 points throughout the country.
In the settlement and cash center No. 39 in Vileyka OJSC Belagroprombank - Minsk Regional Administration, the event "We are 25!", Dedicated to the 25th anniversary of the bank's founding, was recently held. The celebration was attended by representatives of the branch of JSC "Belagroprombank" - the Minsk Regional Department, as well as veterans of the bank. During the event, representatives of the bank visited government agency education "Vileika special boarding school for children with severe speech disorders", where children were given gifts to the school. The first deputy head of the branch Dubrovsky M.E. and the head of the settlement and cash center No. 39 in Vileyka Abramov S.V. solemnly congratulated the team. For conscientious work, responsibility, diligence, professionalism in work, gratitude from the bank and the primary trade union organization of the branch was received by the head of the client management department Yurchenko A.P., the chief specialist of the settlements department Kadushkevich G.P., the senior cashier Kovalyonok S.V., the chief legal adviser Zenko I. L.
In continuation of the holiday, a festive concert was organized for guests and employees. In honor of the upcoming 25th anniversary, a tree was planted on the territory of the bank and a commemorative plaque was installed, and 25 balloons were released into the sky. At the celebratory tea party, the veterans remembered the history of the bank's development and gave parting words to the younger generation. A photo exhibition “We are 25!” was organized in the bank building, which presents bright events from the life of the cash settlement center and the daily work of specialists.
The bank's corporate slogan is "Traditions of the Future". We are talking about the best of the past (our traditions) and the future, the traditions of which we are forming today. We express our gratitude to the clients of the bank and all those who cooperate with us. We invite everyone to participate in the relay race in the social networks Facebook and Vkontakte "What can you do?", The purpose of which is to collect Money on a rehabilitation simulator for disabled children.
We are also pleased to announce that on the eve of its anniversary, the bank offers a new urgent Bank deposit(deposit) "25 years together" for individuals, and for corporate clients, the bank has created favorable service conditions within the framework of the “25 bonuses for business” campaign.
Irina SELUN, 1st category specialist of the client management department.
Photo by Alexey KAMINSKY
What is the article about?
Today, in 2020, offers on deposits in banks of the Republic of Belarus are in no way inferior in terms of profitability to Russian deposits in banks of St. Petersburg, Moscow, various offers on deposits in Gazprombank, Sberbank and other popular banks.
OJSC Belagroprombank has been operating for 20 years and is included in the TOP-1000 of the best banks in the world, and also has the 18th position in the list of the 25 largest banks in Eastern and Central Europe.
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Belagroprombank offers several options for various categories of citizens in Russian and Belarusian rubles, dollars and euros.
The currencies in which you can make a deposit under this program are Belarusian rubles, dollars, euros and Russian rubles. At the same time, the minimum deposit amount is 50 Belarusian rubles, 25 dollars, 25 euros or 2 thousand Russian rubles. Partial withdrawal funds are not provided, however, you can replenish the deposit if you wish. You can make a deposit for a period of 95 to 185 days, while interest rate will be as follows:
If you want to withdraw money from the deposit ahead of schedule, interest will be accrued to you at the “Demand” rate, which means that your earnings will be partially preserved. But the most important thing about the deposit is that you can make it without leaving your home, right on the Internet.
This is a fixed term deposit. Minimum deposit amount: 50 Belarusian rubles, 50 dollars or euros and 3 thousand Russian rubles. Replenishment of the deposit is allowed, but partial withdrawal of the amount is not possible. If you want to make a deposit in Belarusian rubles, then you will expect an interest rate of 17-20.5%, if in dollars and euros - 2.5-4%, and if in Russian rubles, then your profit will be 8-12% per annum, while in foreign currency terms are in the range of 95-735 days. Such conditions may compete with maximum interest on deposits in Moscow banks.
The minimum amount of this special deposit is 100 Belarusian rubles, 100 dollars or euros and 5 thousand Russian rubles. Interest rate depending on the period - fixed and variable. The period that you can determine for yourself varies between 95 and 370 days. At the same time, the highest interest rate will be for Belarusian rubles - 16%, for dollars and euros - 2.8%, and for Russian rubles - as much as 12%, which is quite a lot for foreign currency. Interest on the deposit is calculated every 10 days, which is very unusual for deposits. Replenishment of the deposit is also allowed, but, unfortunately, partial withdrawal of money from the account is not possible. If you want to terminate the agreement ahead of schedule, you will receive interest at the rate of the “On Demand” deposit for up to 95 days. And in the period from 95 to 370 days, you will not lose interest at your own rate, which significantly adds to the pluses of the “25 years together” deposit.
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This deposit has a minimum amount that will please those who want to earn money, but do not have an impressive amount of capital. After all, it is only 10 Belarusian rubles and 10 for the dollar and the euro, and for Russian rubles the minimum amount is only 500 units. The storage period can be from 35 to 280 calendar days, and interest rates for Belarusian rubles are 14-16%, for dollars and euros - 1.5-3%, and for Russian rubles - 8-11%. Earnings in the form of interest are accrued every month and paid in cash or via bank transfer. Replenishment of the deposit is allowed, but partial withdrawal of funds is not allowed. Prolongation and early termination of the deposit is available at the “On Demand” tariff.
The conditions for the deposit are the same as in the previous one. But interest rates are fixed at the highest level, namely: 16% for Belarusian rubles, 3% for dollars and euros and 12% for Russian rubles.
The current settlement bank account of Belagroprombank is designed to provide it for storage and crediting of funds. By opening this account, you can:
For Belarusian rubles, the rate is 0.5%, for dollars, euros and Russian rubles - 0.1%.
Advice: if your initial goal is the convenient accumulation of funds with the possibility of constant replenishment, withdrawal, transfer, payment of bills and other operations, then the offer for the current settlement bank account For you.
The “On Demand” deposit seems to have been created specifically for those who do not want to bother with numbers and have risks of early withdrawal of funds. In addition, the conditions for the deposit are very simple. You can open an account for any amount in any currency offered. At the same time, the interest rate in standard Belarusian rubles will be 2%, and in foreign currency 0.1%.
Belagroprombank has developed a special deposit for pensioners at profitable preferential terms. All that a pensioner needs to open a deposit is to confirm his social status, that is, to present documents confirming the right to benefits. However, the "Pension" deposit at 2% per annum, unfortunately, does not imply an account in foreign currency.
Advice: if a pensioner wants to open a deposit in a foreign currency, he can choose any of the deposits offered above. After all, the minimum amount of investment is quite acceptable for this category of citizens.
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So, now you know where to invest in order to make a profit. At the same time, the profit is passive. It is easy to open your deposit even with small funds, and it is just as easy to understand how to calculate the percentage per annum on the deposit that you will open, although Belagroprombank also implies opening a deposit in favor of another person. Interest rates and terms are also very favorable and convenient for earning income in foreign currency.
You do not want to place money at the rates that banks offer on their deposits, and still hope that banks will start raising them? Then this article is definitely not for you. But for those of us who plan to have time to make a currency "stash" before the New Year, this article can be very useful.
After all, if on deposits for a period of up to 3 months inclusive banks give no more than 2.5% per annum, then on deposits for a period of 3 months to a year there are still rates of 3% (for revocable) or 4% (for irrevocable) per annum. Although for some reason there are no more such proposals;)
Our TOP is compiled by the value of the interest rate offered by banks. Although "experienced investors" look not only at the size of the bet, but also at other important parameters:
the presence or absence of the possibility of replenishment
capitalization of interest stipulated by the conditions or monthly payment of interest (the first option will bring more income)
fixed or variable deposit rate
So let's start with revocable deposits, which, we recall, are subject to return at any time, at the request of the depositor. True, in most cases (though not always) - with a significant loss of interest.
Revocable deposits
| The best offers in the segment of revocable deposits with a term of placement from three months to a year | |||||||
| Place in the ranking | Bank / Name / Term | Bid, % | Rate type | Initial contribution | Capitalization | Possibility of replenishment | |
| 1 | Technobank / E-Successful in USD and EUR / 365 days | 3 | floating | 100 | monthly | without Borders | early termination: earlier than 32 days - 0.01% per annum; earlier than 100 days - 1.5% per annum; earlier than 180 days - 2.5% per annum; before 365 days - 3% per annum |
| Belagroprombank/ Growth Line Savings System 3.0 in USD and EUR/ 280 days | 3 | floating | 10 | without capitalization, interest payment monthly | |||
| Belagroprombank/ "@gro" in USD and EUR/ 185 days | 3 | fix. | 25 | monthly | min. top-up amount 5 USD/EUR | not provided / early termination of the contract at the demand rate | |
| Bank BelVEB/ "Internet-vkl@d" in USD and EUR/ 12 months | 3 | floating | 50 | monthly | without Borders | ||
| Moscow-Minsk Bank/ Progressive/ 24 months | 3 (storage period 12 months) | fix. | 5 | monthly | without Borders | early termination without recalculation of interest for each full period of storage. Bid early termination for each incomplete storage period - 0.01% |
|
| 2 | Bank BelVEB/ Universal with a floating rate in US dollars/ 12 months | 2,9 | floating | 100 | monthly | without Borders | multiple withdrawal of up to 50% of the deposit amount as of the date of the first request for the return of part of the deposit amount. Reduction of the interest rate upon withdrawal of a part of the deposit amount by 0.5 p.p. |
| Bank BelVEB/ Universal with a floating rate in euro/ 12 months | 2,9 | floating | 100 | monthly | without Borders | multiple withdrawal of up to 50% of the deposit amount as of the date of the first request for the return of part of the deposit amount. Reduction of the interest rate upon withdrawal of a part of the deposit amount by 0.5 p.p. | |
| 3 | Belagroprombank / “25 years together” in USD and EUR for 370 days / 96-370 days | 2,8 | fix. first 95 days | 100 | every 10 days | from 5 dollars or euro | within percent / in case of early termination in the period from 1 to 95 days of storage - the rate "On Demand"; from 96 to 370 days - the current deposit rate |
| Bank BelVEB/ "Internet-vkl@d" in USD/ 6 months | 2,8 | floating | 50 | monthly | without Borders | multiple withdrawal of up to 50% of the deposit amount as of the date of the first request for the return of part of the deposit amount. Reduction of the interest rate upon withdrawal of a part of the deposit amount by 0.5 p.p. | |
| Paritetbank / "Stable income" in US dollars and euros for 15 months / 12 months | 2,8 | floating | 100 | without capitalization, interest payment at the end of the term | not provided | not allowed / in case of early termination up to 3 months - at a rate of 0.2%, from 3 to 6 months - at the contract rate reduced by 0.6 percentage points, from 6 to 9 - months - at a rate reduced by 0.4 percentage points, from 9 to 12 months - at a rate reduced by 0.2 percentage points, from 12 to 15 months - at current rate | |
| 4 | Bank Moscow-Minsk/ Vesomiy in USD and EUR/ 12 months | 2,75 | fix. | 50/5 - in RBSS | monthly | without Borders | within accrued interest / early termination at a rate of 0.01% |
| 5 | Belarusbank/ Internet deposit-Trend Revocable in USD and EUR/ 12 months | 2,7 | floating | 100 | monthly | from 10 | within interest / early termination at a rate of 0.1% per annum |
| Bank BelVEB / Universal with a floating rate in US dollars / 6 months | 2.6 (up to 10 thousand) | floating | 100 | monthly | without Borders | multiple withdrawal of up to 50% of the deposit amount as of the date of the first request for the return of part of the deposit amount. Reduction of the interest rate upon withdrawal of a part of the deposit amount by 0.5 p.p. | |
| 2.7 (10 thousand or more) | |||||||
Reward for maximum rate at 3% per annum only 4 banks are ready to pay.
The contribution of Belagroprombank "Savings System Growth Line 3.0" provides for the payment of interest at the choice of the depositor:
cash
· By bank transfer to the account specified in the application.
Deposits "@gro" Belagroprombank, "E-Successful" Technobank, "Internet-inc@d" Bank BelVEB, as well as "Internet Deposit-Trend Revocable" of Belarusbank are opened through the Internet banking system of the respective bank using cards issued by these banks.
Opening a deposit account in RBSS is possible only in the currency of the account to which the payment card is issued, from which the deposit opening operation is performed.
Please note, by contribution "E-Successful" Technobank there is the possibility of early termination of the contract, however, with some reduction in the interest rate.
Deposit agreements "25 years together» Belagroprombank and "Stable income" Paritybank are issued for a period of more than a year, but can be terminated earlier without a complete loss of interest. Also note that on the contribution "25 years together» interest is capitalized every ten days- every 10 calendar days.
A contribution Bank Moscow-Minsk "Progressive" is issued for 2 years, but according to it the client he chooses the storage period: 3, 6, 12 or 24 months. At the end of each selected period, you can, without recalculating interest on reduced rate terminate the contract early.
By deposits Bank BelVEB "Universal with a floating rate" for 6 months, the amount of the bet itself depends on the amount on the account.
According to the "Universal" deposit and "Internet-inc@lady" Bank BelVEB conditions multiple withdrawals of up to 50% of the deposit amount are allowed as of the date of the first request for the return of a part of the deposit amount. True, in this case, the interest rate will be reduced by 0.5 percentage points.
Now let's talk about the best irrevocable foreign currency deposits. Having chosen this option for placing your funds, you MUST REMEMBER that the bank is not obliged to return the deposit according to your requirement.
Early termination of the contract is possible only in special (most often tragic) life situations. The decision to return funds from an irrevocable deposit is made by the bank individually in each specific case.
Irrevocable deposits
| The best offers in the segment of irrevocable deposits with a term of placement from three months to a year | |||||||
| Place in the ranking | Bank / Name / Term | Bid, % | Rate type | Initial contribution | Capitalization | Possibility of replenishment | Partial withdrawal / Early termination |
| 1 | Bank Moscow-Minsk/ "Optimal" in USD and EUR/ 12 months | 4 | fix. | 50/5 - in RBSS | monthly | without Borders | within percent / not allowed |
| Bank BelVEB/ Vydatny in USD and EUR/ 12 months | 4 | floating | 100 | monthly | without Borders | not allowed | |
| Bank BelVEB/ Yubileiny in USD and EUR/ 12 months | 4 | fix. | 1 000 | monthly | not provided | not provided | |
| Bank BelVEB/ Anniversary on-l@yn in USD and EUR/ 12 months | 4 | fix. | 1 000 | monthly | not provided | not provided | |
| 2 | Bank BelVEB/ "Vydatny" in USD/ 6 months | 3,8 | floating | 100 | monthly | without Borders | not allowed |
| 3 | BNB-Bank/ "Investment in the Future" in USD/ 12 months | 3,75 | floating | 250 | not allowed | ||
| 4 | Bank BelVEB/ "Universal Irrevocable" in USD and EUR/ 12 months | 3,6 | fix. | 100 | monthly | without Borders | not allowed |
| 5 | Alfa-Bank/ Alfa-Prime in USD/ 12 months | 3,5 | fix. first 6 months | 100 | monthly | allowed, except for the last 3 months and up to the maximum deposit amount | within percent / not provided |
| BNB-Bank/ "Investment in the Future" in US dollars/ from 9 to 11 months | 3,5 | floating | 250 | without capitalization with interest payment at the end of the term or monthly capitalization(the base interest rate is reduced by 0.5 percentage points) | allowed in any amount up to the day preceding 3 months before the expiration date | not allowed | |
| BNB-Bank/ Seize the Moment in USD/ 1 year | 3,5 | floating | 250 | at the end of the term | not provided | Not allowed | |
| Bank BelVEB/ "Universal Irrevocable" in USD/ 6 months | 3,5 | fix. | 100 | monthly | without Borders | not allowed | |
