OJSC "BPS-Bank" was formed back in 1923 in the Republic of Belarus. Until 1941, it provided long-term lending for various industries industry and energy sector. He expanded the scope of his activities and opened new branches in the regional centers of Belarus.
During the Second World War, the bank ceased its activities due to the temporary seizure of the territory. In the post-war period, BPS-Bank very quickly began work and fully fulfilled the tasks assigned to it for the prompt use of money that was allocated for the restoration of the national economy.
In 1987, a banking reform was introduced, as a result of which the Industrial and Construction Bank of the USSR was formed. BPS-Bank began to implement the full complex banking operations, which included not only investments and lending, but also a number of other banking services.
In October 1999, BPS-Bank was renamed into Open Joint Stock Company Belpromstroybank. 10 years after this event, the Representative Office of the Republic of Belarus and Sberbank of Russia signed an agreement for the purchase by Sberbank of Russia of 93.27% of the shares of OJSC BPS-Bank, as well as the conclusion of an investment agreement for the long-term development of BPS-Bank.
In October 2001, it was decided to slightly change the name financial organization and now it is the Open Joint Stock Company "BPS-Sberbank".
Today, BPS-Sberbank is a universal organization that provides all types of banking services to individuals and legal entities. Various credit programs. Any individual or legal entity, if they have the appropriate package of documents, can issue consumer loan, take money to buy real estate or a car, to open or expand an existing business.
You can apply for a loan in the following forms:
- overdraft on the card;
- opening a credit line;
- provision credit funds in cash or by bank card.
Any bank is interested in the reliability of its partner, therefore certain requirements are imposed on each potential client. Here are just a few of them:
- borrower's income;
- whether there are credits, debts and borrowings from other organizations;
- for how long will the funds be issued?
- in what currency the client will issue a loan;
- collateral for loan money;
- type of loan product.
It is impossible to definitively answer whether the bank will refuse to issue Money or approve the application. If you have never had problems on the above points, then your cooperation with the bank will be a pleasure.
If you are skeptical about lending, but like to make money easily, then excellent option will increase your capital cash deposits in any currency. For individuals and legal entities there is time deposits With minimum period for 1 and 3 months. The maximum period for which a bank enters into a deposit agreement is 3 years. Accordingly, the larger the deposit amount and the period for which you open a bank account, the greater your interest income will be.
Settlement and cash services
Even if you have never taken out loans, but there are simply no deposits free funds, then you can simply evaluate the work settlement and cash services in the bank. Of course, it is most convenient to connect to the BPS Internet bank and make all payments without leaving home from a desktop computer or tablet, but so far not all bank clients have mastered this technology.
Cash settlement services at BPS-Sberbank are maximum convenience for customers, high speed performance and reliability. The client can use the services of settlement and cash services, as in Belarusian rubles, and in foreign currency.
- opening an account;
- any payment transaction;
- money transfers around the world;
- receiving pensions and benefits.
Upon registration bank card, the client is connected to the Internet banking of BPS Bank. Using Internet banking, you can make transfers from one card to another, pay public utilities, top up your deposit, view the balance on your card, pay for purchases in online stores.
Situations often arise when a payment went wrong due to a technical glitch or an error in entering a personal account. If such a situation arises, the bank is ready to revoke the payment document, search for payment, carry out the necessary requests and provide statements of the client’s accounts.
Other bank services
A banking service is not only about opening a deposit account or receiving a loan, but also cash transactions. Any client of BPS - Sberbank can use:
- electronic service that works from anywhere in the world, subject to the most basic security requirements for your account. A striking example of such electronic banking services provided by BPS Bank - Internet banking;
- calculations plastic card Visa anywhere in the world;
- foreign exchange transactions, as well as consulting on foreign exchange legislation;
- collection services and delivery of money to legal entities and individuals;
- an individual bank safe that will allow you to keep your securities, money, shares or jewelry safe and sound. A separate guarded room is allocated for storage, where the client can choose a safe of the size he needs.
BPS - Sberbank services the largest factories in Belarus. All activities of the bank are absolutely transparent. Branches and representative offices of the bank are open not only in the Republic of Belarus and Russian Federation, but are already beginning to develop in Poland. The first branch of the bank outside Russia and Belarus has already been opened in Warsaw, and in the future the banking network plans to grow and develop in other cities of the post-Soviet space.
I introduced a deposit with the festive name “New Year’s”.
Sberbank also made its lucrative New Year’s offer for 2019–2020, which depositors, as they say, will not be able to refuse. This
Calculation of Sberbank New Year's deposits 2019-2020
Let's calculate how much you can earn if you make deposits offered by Sberbank for the New Year 2020. For example, we will invest 100,000 rubles for various periods.
✓ 4 months - “New Year’s bonus” with a rate of 4.85% will bring income 1,628 rubles. “Profitable Start” cannot be opened for such a period.
✓ 6 months - “Profitable start” at 5% will bring an income of 2,527 rubles, and “New Year’s bonus” with a rate of 4.85% will allow you to earn 2,451 rubles.
✓ 9 months - “New Year’s bonus” with a rate of 5.25% will bring income 4,016 rubles. “Profitable start” is not issued for such a period.
✓ 12 months - “Profitable start” at 5.5% will bring an income of 5,642 rubles. You can’t open a “New Year’s bonus” for 1 year.
✓ 18 months - “Profitable start” with a rate of 5.85% will bring an income of 9,140 rubles. The “New Year’s bonus” cannot be issued for a year and a half either.
Conclusions: which of Sberbank’s New Year’s deposits is the most profitable today?
As our simple calculation showed, it is impossible to answer this question unambiguously. It all depends on how long you plan to deposit the money. If you want to invest for 4 or 9 months, then the “New Year’s bonus” will be more profitable. And if for 6, 12 or 18 months, then “Profitable Start” will be more attractive.
This year, when choosing a winter holiday deposit, I do not recommend focusing on Sberbank, continues website deposit program expert Viktor Davidenko. For example, in Pochta Bank the “New Year” deposit for 275 days (9 months) can be opened at 6.2% per annum. And the Sberovsky “New Year’s Bonus” for the same period gives only 5.25% per annum.
Will deposit interest rates rise in the future?
Many people ask this question today. Here's what banking professionals can say about this.
“If inflation does not accelerate, for example, due to external shocks, then we can expect a further reduction in rates on ruble deposits,” says the head of the department of operations in the Russian stock market IC "Freedom Finance" Georgy Vashchenko.
Junior Director for bank ratings"Expert RA" Vyacheslav Putilovsky believes that the trend of reducing deposit rates from high probability will continue until the end current year. “At the same time, traditional New Year's promotions in the deposit market will most likely cause a small local increase in profitability, but will not change the trend,” he suggests.
And the Chairman of the Board of FC Otkritie Bank, Mikhail Zadornov, paints a completely sad picture. According to him, Russian population for the first time realizes that banking system deposit rates can be either 4% or 5%. “It is clear that the Russian citizen, who is generally accustomed to either buying housing as an investment or keeping money in banks, will pay more and more attention to investment products and investments,” he believes.
Contacts for inquiries
Find out more about the conditions and interest rates of the new Sberbank deposit, as well as other deposits, on the official website www.sberbank.ru or at bank branches.