PJSC "Idea Bank" is one of the most famous and sought-after banks in Ukraine. In 2014 banking organization celebrated a significant 25th anniversary.

Initially, the organization was called “Plus Bank”, but several years ago it was renamed, and to this day it is called “Idea Bank”.

During its operation, this bank has repeatedly confirmed its serious attitude towards work and clients. An impeccable reputation is proven by its great popularity among clients, both private investors and legal entities.

Today, Idea Bank is a constantly developing organization, whose management is not afraid to introduce new technologies and attractive offers for clients into the company’s work.

You can read about the specifics of the bank's work at present. We’ll talk about perhaps the most popular type of lending that Idea Bank offers us, namely cash loans.

Cash loans from Idea Bank

Cash loans for any needs are very common both in Russia and Ukraine. If you urgently need to make a purchase, pay off a debt, pay for something, and there is not much time to queue at the bank and prepare documents, the best option in this case would be a cash loan.

At Idea Bank you can take out a cash loan for any purpose: to buy a car, celebrate a holiday, vacation, buy equipment. You can apply for such a loan in two ways.

The first is to contact the nearest bank branch in a number of cities in Ukraine. This can be done in Kharkov, Kyiv, Odessa, Poltava, Lvov and other large cities.

Another option, sometimes more convenient and faster, is the design online applications to receive a loan. In this case, you save time by filling out an application online and receiving a bank decision in a matter of minutes.

The whole procedure online receipt A cash loan takes place in four steps:

• You fill out a form to receive a loan, indicating the required amount and personal information.
• Then, within one minute, the bank makes a decision on your application. You will be notified additionally whether your loan will be approved.
• After the loan is approved, a bank consultant will contact you to discuss the terms of the loan and ways to receive funds.
• Finally, after concluding the agreement, all you have to do is go to the nearest bank branch and receive your money.

Idea Bank has developed completely humane conditions for obtaining a cash loan, which allow you to take out a loan without talking about the purpose of receiving the loan. In addition, the terms include:

• A loyalty program for those clients who always pay their loans on time, without violating predetermined deadlines.
• The opportunity to repay the loan early on terms favorable to you and without penalties.
• Maintaining the loan rate for the entire loan period. The bank does not change original conditions repaying the loan while maintaining the original rate.

Agree, the conditions are quite good, given the fact that cash lending to individuals is one of the most popular types of services in banks.

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Conditions for receiving an online cash loan:

• People from 21 to 75 years old can count on receiving a loan by filling out an online form.
• Minimum documents required for registration: only a passport for identification and identification code.
• Only citizens of Ukraine can get a loan.
• A certificate of income is required from you only if you take out a loan in the amount of forty thousand hryvnia.
• The maximum loan amount is one hundred thousand hryvnia.
• You can take out a loan for any period convenient for you. Available loan terms range from six to sixty months.

Lending to individuals at Idea Bank provides several main programs. You can choose the optimal loan terms depending on the size of the loan, interest rate and purpose.

Thus, the main package is the “Easy Money” program, which provides for cash lending to the population for any purpose. This program involves issuing an amount of up to one hundred thousand hryvnia. This does not require a package of documents or guarantors.

Several of the bank's programs can be safely classified as new products that are rarely found in the work of other banking organizations. You can take out a loan under the “Loan for Repairs” program or purchase a car without compulsory insurance under the “Cash for Cars” program.

An interesting offer is the “Pension” loan, which is designed specifically for the elderly. Here the client can also receive money in cash without an income certificate. Under such a program, the funds available for loan amount to twenty thousand hryvnia.

Registration details of our partners:

PJSC CB "PRIVATBANK": NBU license No. 22 dated 10/05/2011, Dnepr, st. Pobedy Embankment, 50 PJSC "ALFA-BANK": NBU license No. 61 dated 10/05/2011, Kyiv, st. Desyatinnaya, 4/6 PJSC "Idea Bank": NBU license No. 96 dated November 4, 2011, Lviv, st. Valovaya, 11 PJSC "FUIB": NBU license No. 73 10/06/2011, Kiev, st. Andreevskaya, 4

Lending and risks

Consequences of loan default

In the loan agreement, the borrower must carefully read the terms and conditions and pay special attention to the loan repayment period, interest rate, amount of commissions, penalties and other key conditions. In case of non-repayment of loan funds, as well as loan servicing fees upon expiration of the term, the borrower bears financial and legal responsibility as provided for in the loan agreement and current legislation. Violation by the borrower of the conditions specified in the loan agreement may have the consequences of the bank transferring information about the debt to the credit history bureau.

What happens if you delay your loan payment?

An increase in the amount of debt due to the accrual of fines and penalties. The possibility of the Bank putting forward demands for the necessary fulfillment by the Client of its obligations under the loan agreement, including by calling, sending letters or SMS notifications. Transferring information about late payments on the loan to the credit history bureau (BKI). Restriction of the right to travel abroad (according to the current legislation of Ukraine). Requirement for full early repayment of the loan amount, as well as accrued interest. Possibility of debt collection through collateral property. Possibility of assigning the right to claim repayment of the debt under the loan agreement to third parties. Collection in court of debt under a loan agreement.

What to do if you lose your job?

Please note that in any case, you must continue to make payments in accordance with the payment schedule, otherwise, otherwise you will be charged penalties and fines in accordance with the General Conditions of the Agreement. If you have activated the job loss insurance service, use the insurance section Assigning unemployed status by contacting the state Ukrainian Employment Service. As an unemployed person, you have the right to: - receive unemployment benefits - receive information about vacancies and job offers - participate in paid public works - undergo vocational training and retraining - a scholarship during vocational training

Privacy Policy

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What information do we store?

We only store information about those visitors to our website who submit any of the forms on our website.

How do we use the collected data?

Your consent to voluntarily leave an email address is confirmed by entering your email address in the appropriate form. Your personal information is not published anywhere and cannot be accessed by other site visitors. Your contact information is used solely to contact you.

Conditions for data processing and transfer to third parties

The bank was founded in November 1990 in Krasnodar. The founders were 82 organizations. From 1995 to May 2013, the credit institution operated as OJSC Joint Stock Bank Kubanbank, after which it changed its name to OJSC Investment Trust European Joint Stock Bank (I.D.E.A. Bank). In December 2015, the bank changed its organizational and legal form and switched to a name that is consonant, but not formally related to the previous decoding - PJSC Idea Bank. Since February 2005, it has been a participant in the compulsory deposit insurance system.

In 2010, the total number of shareholders of the bank reached 3,164 (168 legal entities and 2,996 individuals). The key owners were Russian citizens Pavel Boyko (20%) and Roman Dusenko (13.28%), as well as US citizens Edward Dubinsky and Tierney Michael Paul (20% each). The plans of the owners included the development of a credit institution with a focus on the mortgage business, but the 2008 crisis prevented the implementation of its goals, and the bank was refocused on lending to small and medium-sized businesses.

According to market participants, the group of above-mentioned businessmen had to look for new investors a little later due to the need to recapitalize the bank to the amount of 180 million rubles by January 1, 2012.

In March 2011, a subsidiary of the Polish financial group Getin Holding*, Carcade Leasing, acquired 75.58% plus one share of the Krasnodar bank, announcing plans to increase the ownership share to 100%. In November 2011, the bank carried out an additional issue, as a result of which Carcade Leasing increased its share in the bank’s capital, subsequently bringing it to 96.06%.

In May 2014, the parent organization of Carcade Leasing, the Getin Holding group, acquired the entire stake owned by the leasing company (96.06%). The nominal value of the shares sold is about 381.4 million rubles, the transaction cost was 667.4 million rubles. According to the owner of Getin Holding, Leszek Czarnecki**, the bank’s main activity was supposed to be car lending, and the corporation planned to become a leader in this area in Russia in the next five to six years.

In May 2015, Getin Holding JSC decided to sell a stake in the credit institution to Nizhny Novgorod Forus Bank.

Currently, the shareholder of the bank is Forus Bank JSC (96.08%). A share of 3.92% is distributed among minority shareholders.

In addition to the head office, the bank's service network includes two additional offices, five credit and cash offices, three operational offices and a representative office in Moscow. As of October 1, 2015, the headcount was 137 people (according to RAS reporting). The company's own ATM network is not developed.

The bank serves about 6.3 thousand corporate clients from among small and medium-sized businesses. The main large client of the credit institution is OJSC Aluminum and Steel Structures Plant.

Legal entities are offered cash management services, deposits, leasing, and Internet banking. Private clients have access to deposits in rubles, car and consumer loans, money transfers (Contact, UNIStream, Western Union and Zolotaya Korona systems), bank cards, as well as currency exchange transactions.

At the end of 2015, the net assets of the credit institution increased by 17.9%, or 915.9 million rubles. The driver of growth in the passive part of the balance sheet was the influx of funds from individuals (+44%, or 1.4 billion rubles), an increase in the volume of the portfolio of attracted interbank loans (+66.7%, or 100 million rubles) and equity capital (+8.7% , or 53.2 million rubles). At the same time, funds from enterprises and organizations showed a decrease (-47.3%, or 293.5 million rubles).

In the active part of the balance sheet, there is an increase in the portfolio of funds placed with banks (four times, or by 800 million rubles), the portfolio of securities (from zero to 305.7 million rubles), highly liquid funds (+97%, or 245.7 million rubles), as well as the loan portfolio (+11.9 million rubles). At the same time, the bank reduced the volume of investments in other assets (-34.1%, or 441.8 million rubles).

In the structure of liabilities, 76.5% are funds from individuals, most of which were raised for a period of one to three years. Own funds (capital) account for 11% of net liabilities; they include three subordinated deposits. The first deposit was attracted from Rego LLC in 2010 in the amount of 5 million rubles at a rate of 10% with a maturity date of June 1, 2017. The second is from Getting Holding S.A. in 2013 in the amount of 50 million rubles at a rate of 10% with a maturity date of December 27, 2019. The third was attracted from Idea Bank S.A. in 2014 in the amount of 152.2 million rubles at a rate of 11% with a maturity date of February 27, 2020.

Funds from enterprises and organizations account for 5.4%, the portfolio of attracted interbank loans - 4.2%. The credit institution's client base is large, payment dynamics are moderate, and monthly turnover on client accounts amounts to 2.6-5.3 billion rubles.

In the structure of assets, a share of 55.4% is formed by the loan portfolio. Placed interbank loans account for 16.6% of net assets. Throughout 2015, the main counterparties were OJSC JSCB Absolut Bank, JSC Alfa-Bank and PJSC JSCB Svyaz-Bank. Other assets, represented mainly by factoring requirements, form a share of 14.2%, highly liquid assets (cash, nostro correspondent account balances) - 8.3%, securities portfolio (OFZ, bonds transferred to repo) - 5. 1%.

The loan portfolio has increased slightly in volume since the beginning of 2015 (less than 1%) and as of January 1, 2016 amounted to 3.3 billion rubles. More than 80% of the portfolio is represented by retail loans, the rest is corporate loans, which have increased 7.7 times since the beginning of 2015. At the same time, the retail portfolio decreased by 10.3%. The level of overdue debt did not change - 6.9%. The reserve rate is at a moderate level - 11.9%, and is decreasing in dynamics (at the beginning of 2015 - 19.3%). The loan portfolio is secured by property in the amount of 3.8 billion rubles, or 114.3% of the total portfolio, which is a high figure.

In the repo market the bank is weakly active with insignificant turnover. In the interbank lending market, it acts primarily as a net lender, placing excess liquidity for a maximum period of 180 days, and is attracted rarely and in small volumes. The bank showed moderate activity in the foreign exchange market. Monthly turnover increased from 1.1 billion to 39.7 billion rubles.

At the end of 2015, the bank received a net profit of 22.4 million rubles (in 2014, the same figure was 9.3 million rubles).

Board of Directors: Ruslan Suleymanov (chairman), Albert Asryan, Alexander Bortnik, Denis Samkov, Larisa Kondratova, Andrey Titov, Anastasia Solovyova.

Governing body: Anzhelika Poplavskaya (chairman, president), Tatyana Lyubina, Larisa Khizhnaya (chief accountant), Inna Fomina.

* Getin Holding S.A. is a large Polish financial holding company established in 1996. According to the company, the main owner is Leszek Czarnecki (57.11%). In addition to the Russian bank, the holding includes three banks in Poland (Powszechny Dom Kredytowy, Idea Bank, Getin Bank), the Ukrainian Idea Bank (formerly Plus Bank) and the Belarusian Idea Bank (formerly Sombelbank), as well as leasing, insurance, brokerage and investment companies .

** Leszek Czarnecki is one of the three richest Polish businessmen. His fortune, according to Forbes magazine, is estimated at 7.1 billion zlotys (about 1.8 billion euros).

CJSC "Idea Bank" is one of the leading credit institutions that has spread its network throughout the Republic of Belarus. The range of consumer loans offered to the population by this bank is distinguished by flexible conditions and variety of assortment.

Loan program for individuals

All products that the organization can offer are intended for consumer needs. An application for approval of any loan is reviewed by bank employees for up to 30 minutes.

Loan name	Annual interest	Amount, in BYN	Return period
For happy moments	11%	From 100 to 1,000	From 2 to 5 months
Easy	16,8%	From 100 to 1,000	From 1 to 24 months
Dream	16,8%	From 1,000 to 10,000	From 1 to 42 months
Linear postal	16,8%	From 100 to 10,000	From 1 to 42 months
Before payday	16,8%	From 50 to 500	For 1 month
Short	15%	From 100 to 2,000	From 1 to 12 months
Standard	16,8%	From 100 to 40,000	From 1 to 72 months
National	15%	From 100 to 23,000	From 1 to 42 months

When applying for a Standard loan, you must attract two guarantors.

General requirements that Idea Bank puts forward for borrowers:

1. age limit from 18 to 70 years;
2. Belarusian citizenship;
3. loans are issued at the place of registration of the resident;
4. presence of an official source of income.

List of required documents

List of documents that will be needed to apply for a loan:

• passport of a citizen of the Republic of Belarus;
• certificate of monthly income from your place of work (not applicable for pensioners);
• payment document for the purchase of Belarusian-made goods (for borrowers of the “National” product);
• military ID for persons of military age.

A document reflecting the level of income is drawn up on bank letterhead from the employer. You can take out a loan without proof of income:

• For happy moments.
• Easy.
• Before payday.
• Short.

For a loan amount of up to 5,000 BYN, certificates of monthly income are not required for any lending programs.

Over the years of the Internet, consumers have become accustomed to receiving services without leaving home. Financial products are no exception, which is why Idea Bank provides borrowers with the opportunity to apply for loan approval online.

The electronic document is filled out on the company’s official website, in the “Private Clients”, “Loans” section, on the right side of the screen. The form of the questionnaire is as condensed as possible:

1. write name;
2. indicate your cell phone number;
3. enter an email address;
4. choose a convenient time to call;
5. agree to the privacy rules;
6. Click the “Submit Application” button.

In this way, a potential borrower orders a call back so that a bank specialist can contact him by phone.

Through registration with MSI There is another way to complete an online application for a loan from Idea Bank. When you follow the link to the “Online Services” page, you can enter the client’s account using the MSI login and password, or by clicking on the “Register” button.

Next, you need to indicate your phone number, to which an SMS message with your login and password will be sent. When logging into your personal account for the first time, the client will receive a confirmation code via SMS. An electronic application form will open in your profile, in which you need to enter:

1. FULL NAME.;
2. cell phone number;
3. E-mail address;
4. the loan amount of interest;
5. source of income;
6. date and place of birth;
7. registration address and place of residence;
8. citizenship status.

If the decision is positive, the borrower will need to provide the bank with all the necessary documents and draw up a loan agreement.

• Legal address: Lviv, st. Valovaya, 1
• Legal name: JSC "Idea Bank"
• NBU license: No. 96 dated 04.11.2011

A large banking structure, founded in 1989, Idea Bank is part of the Getin Holding S.A. financial groups, one of the largest financial groups in East Asia and Europe. Until 2011, the banking structure was called PJSC "Plus Bank", then the credit institution was transformed into Idea Bank - PJSC "Idea Bank".

Today, the banking structure offers its consumers to apply for a consumer loan in cash for any purpose. All you need to borrow the necessary funds is your passport information, some free time and Internet access.

Basic conditions for providing a cash loan from Idea Bank

• The service offers to issue a loan for products in the amount of from 5,000 to 200,000 hryvnia to realize your ideas and needs.
• The period for providing funds varies from six months up to 5 years.
• There is a fixed interest rate for the entire loan term.
• Funds are provided without proof of income.
• The banking structure provides for the possibility of early settlement, without charging any additional commissions or penalties.
• Loan term up to 60 months.

200 thousand hryvnia for any purpose right now!

Basic requirements for the borrower when applying for a loan from Idea Bank

• The loan is available to citizens of Ukraine who have residence permit and registration in the territory of this country.
• The age category of borrowers financed by the bank are citizens from 21 to 75 years old.
• To receive a loan you must have a monthly income of at least 2000 UAH.
• When receiving a loan product, proof of official employment will not be required.

Idea Bank cash loan in Ukraine - a lot of advantages for consumers

• Payment for the loan product is made in equal - similar payments.
• The consumer independently chooses the purposes for spending the received loan funds.
• Pre-approval for a loan product can be obtained in just one minute.
• The banking structure offers consumers low interest rates.
• Loan payments can be made completely separately from bank branches, according to the geographical location of the place of registration.
• For conscientious and reliable borrowers, a specialized loyalty program is provided - you can increase your credit limit by paying your debt obligations on time.
• You can get a loan without income certificates from Idea Bank Ukraine.

Special offer for refinancing dear clients.