Transcript Banking services

CUSTOMERS’ SUCCESS IS
THE BANK’S SUCCESS
www.sbb.by
Contents
•
Bank profile
•
•
•
•
•
•
•
•
•
Incorporation and shareholders
Licensed activities
Performance results
Banks’ profitability comparison
Compliance to basic standards
Professional team
Our principles
Bank branches network
Closer to people
•
Banking services
•
•
•
•
•
Settlement and cash services centre
Credit facilities for corporate
customers
Deposits for corporate customers
Micro loans
Securities operations
•
•
Planned activities
Contact information
Bank profile
Incorporation and shareholders
Closed joint-stock company «SOMBelBank» is a bank with 100%
foreign capital.
Incorporated by the National Bank of the Republic of Belarus
on April 24, 2004.
The bank’s shareholders are private commercial organizations from the
Latvian Republic.
Shareholding structure (as of 01.04.2007г.):
SIA POLIMER R, Riga, Latvia
Others
99,96 %
0,04 %
Licensed activities
CJSC «SOMBelBank» conducts banking
operations on the basis of a:
•
License for conducting banking activities issued by the National Bank
of the Republic of Belarus № 25 dated 26.04.2007.
CJSC «SOMBelBank» conducts certain
licensed types of activities on the basis of a:
•
•
License issued by the Committee for Securities attached to the Council
of Ministers of the Republic of Belarus № 04120 dated 01.06.2004 for
conducting professional and exchange activities with securities.
Permission of the State Customs Committee of the Republic of Belarus
№ 42 dated 07.09.2005 to the right to guarantee payment of customs
fees.
License plans
The bank is planning to obtain
the permission to deposit
funds belonging to
individuals.
This will allow for expanding the
range of retail services and
pass on to the entire range
of banking services for our
clients.
Basic requirements:
Two-year time span of
experience in the market
(from the date of
incorporation),
stable financial situation,
equity capital of over 10 mln
Euro.
Indicators of financial and
economic activities
39067,8
37024,7
25543,7
19905,4
23561,2
21306,8
17761
17119,3
15399,3
15404,8
10138,9
8161,9
1859,3
705,1
881
65,2
01.01.2005
Assets
01.01.2006
Liabilities
01.01.2007
Capital
01.04.2007
Profits
Performance results
The reliability of the accounting statements for the years 2004 - 2006
Is confirmed by the international audit company Deloitte & Touche.
Indicators of financial and
economic activities
Profit and total balance
6032170
6070329,5
6066922
5211697,3
01.01.2005 01.01.2006 01.01.2007 01.04.2007
Normative capital,
Euro
01.01.2005
01.01.2006
Total balance,
mln. BYR
Profits,
mln. BYR
01.01.2007
01.04.2007
Indicators of financial and
economic activities
7,12
5,01
4,64
4,63
4,33
3,69
3,63
nk
Pr
io
rb
a
an
k
Be
lS
w
is
sB
B
2,89
M
in
sk
iy
Tr
an
si
tn
iy
kv
aM
"M
os
k
Ba
n
an
k
in
sk
"
k
lu
tb
an
Ab
so
k
In
du
st
ria
ln
iy
Ba
n
Ba
nk
ny
ar
od
Be
lB
an
k
Be
la
ru
sk
iN
SO
M
RR
BB
an
k
3,06
Comparative table of assets profitability in a number
of banks as of 01.01.2007
Compliance to basic economic
standards in 2006
141,3
114,9
114,3
107,4
78,5
70,1
70
54,3
41,9
23,6
5,6
01.01.2006
23,2
1,8
01.01.2007
20
8
4
1
Normative Value
Adequacy of normative capital, %
Adequacy of principal capital, %
Short-term liquidity (%)
Instant liquidity (%)
Current liquidity (%)
Proportion of liquid and total assets, %
20
Professional team
High-qualified employees are the most important asset of
any successful company.
SOMBelBank undeniably boasts a united team of
professionals who are ready to implement most
ambitious plans and projects.
Over the past year, 50 employees have joined our team.
The total number of employees currently in the bank
amounts to over 130 people.
Our basic principles
Given the competition in the market of consumer
crediting, we are motivated to improve our credit
products and refine the loan claims procedures.
The basic principles at CJSC «SOMBelBank»:
• Availability
• Security
• Accuracy
• Competence
Availability
You receive the set of
services you need with
minimal time and money
expences in the place
and at the time you
prefer;
Security
the quality of the services the bank delivers corresponds
to the quality they have been claimed to be of; hand over
hand and on due term;
Accuracy
a detailed description of the services,
easily perceived by the customer;
Competence
based on using specialized software,
high professional standards for personnel,
responsibility of the bank employees.
Bank branches network
At present, SOMBelBank is comprised of
•
•
•
•
5 bank services centers in the city of Minsk,
1 bank services centre in the city of Hrodna,
1 settlement and cash services centre,
3 distant stations in shopping outlets.
Our plans include establishing bank services
centers in Mogilev, Brest and Solihorsk as well as
cooperating with a large number of entrepreneurs
in Gomel, Vitebsk, Mozyr, Bobruisk.
Banking services
A universal bank!
SOMBelBank is a universal commercial financial
institution with the classic range of invariably high
quality banking services:
•
•
•
•
•
•
•
Settlement and cash and credit services for corporate
customers
Securities operations
Currency exchange
Issuing customs warrants
Consumer crediting
Settlement and cash services for individuals
Consultation services
Settlement and
cash
services
Settlement and cash
services is the basic service
that a bank delivers to its
customers.
Services provided
SOMBelBank include:
•
Prompt and accurate payment
operations
•
Advantageous rates
•
Operating with all types of
accounts used in Belarus
•
A personal manager supervising
all the customer’s accounts
•
Electronic payment system
«Klient-Bank» (Client-Bank)
Deposits for corporate customers
The best way to make profits out of Your’ company's
currently available assets is to deposit them in
SOMBelBank
•
•
•
High interest rates
Varied deposit periods
Any currency
Credit facilities
for corporate
customers
Optimum form and
schedule of loans
Factoring, leasing,
warrants and
guarantees
Micro loans
Micro loans program incentives :
•
•
Supporting small and medium business
Banking services profitability growth
Micro loans recipients:
•
•
Individual entrepreneurs
Small and medium companies
Securities operations
•
•
•
•
We operate with state securities
We provide consultations and assistance in
purchasing securities
We issue our own bills of exchange
We operate with bills of exchange from other banks
Planned activities
•
•
•
Depositing money assets owned by individuals
Bank card services
Loans for individuals
- housing construction loans
- overdraft loans
- auto loans
Contact
information
Head office 25 Marksa Str.
+375 17 206-65-82, 222-70-91
BSC №1 30 Engelsa Str.
+375 17 206-33-14, 206-33-15
BSC №2 93а Kropotkina Str.
+375 17 237-75-36, 237-75-06
BSC №3, 7 Naydusa Str., Grodno
+375 15 770-110, 77-25-25
BSC №49 Kulman Str.
+375 17 290-74-26, 220-12-77
We are glad to meet
You in our offices
BSC №5 20/3 Pobediteley Ave.
+375 17 250-11-82
BSC №6 24 Kalvariyskaya Str.
+375 17 200-00-81