Financial group Life official. Financial group Life: how to get a loan? Life Credit Programs

Each second Russian knows what uses by credit funds.

Loans go on debt repayment, as funds for buying cars and housing, to pay training, recreation or treatment.

In the Russian financial market, there are many credit institutions offering citizens to issue a loan on interesting and favorable conditions for them.

Financial organization loan programs:

Financial Group Life is a whole holding from regional banking institutions that successfully operate in the financial market of the Russian Federation since 1993.

Branches of banks belonging to this financial group are located in 200 cities and 48 regions of the country. In the Life group included such banks:

Bank "Express Volga";
"Probusinessbank";
Gazenergobank;
"University Bank".

The total number of branches of the above banking institutions across the country there are more than 400 offices. According to the RBC rating, the Life group ranked in the number of decorated non-tax loans in 2011, 14th place.

Note that in addition to ordinary credit programs, the financial group is actively engaged in the issuance of microloans.

Life Credit Programs:

The Life Financial Group offers citizens to issue loans without guarantee and collateral for several programs:

"Cash Express". Under the terms of this program, the borrower can get credit funds in the amount of up to 200,000 rubles for 2 hours;

"Personal loan." The amount is issued in the amount of from 5,000 to 1,000,000 rubles for one day;

"Trust loan". Permanent clients of Life GK on this product can get a loan on preferential terms;

« Pension credit" The program implies the issuance of credit funds to pensioners and military.

In all products, the loans are issued for up to 10 years with preferential period lending - 55 days at a rate - 40%. Debt repayment occurs with equal payments.

You can apply for a loan on the Life group website in online mode. The application will be considered within 15 minutes.

Electronic Bank from Life Group:

Becoming a client of the group "Life", you get the opportunity to enjoy electronic Bankthat gives the opportunity without leaving home:

Discover deposits;
Control all account operations;
Receive account statements;
Calculate for purchased services, goods;
Pay internet utilities and communication services;
Make money transfers;
Making insurance;
Submit applications for credit funds;
Register virtual cards;
Draw credit cards;
Analyze your expenses using the "Card Use Diagram";
Open the GIS accounts;
Work on forex;
Buy, sell securities;
Repay debt;
Pay for commissions and fines;
Receive reminders of the upcoming mandatory payments;
Receive professional support around the clock in online mode, in Skype and by phone;
Keep abreast of all new products of the Life group;
Enjoy mobile banks: "SMS Bank", "Life Banking for Android" and "Life Banking for iPhone".

Cash loans from the Life group:

Each client of the group may, when issuing a loan to obtain credit funds in cash according to programs:

"People's loan without guarantors and references." Funds are issued in the amount of up to 200,000 rubles. Help 2-NDFL is not required. Money can be obtained within 2 hours;

"People's Credit Cash". The loan amount ranges from 5,000 to 1,000,000 rubles. Credit term - 5 years. Guarantee and provision is not required;

"Social Credit." Under the terms of this program, cash can be obtained by citizens working in educational, medical institutions low rate.

Citizens from 23 to 80 years can become a borrower, which are citizens of the Russian Federation. Upon receipt of a loan, the group takes into account the income of the borrower's family, which allows you to get funds in more large. For cooperation with the Bank, it is necessary to provide a passport, the Inn, the driver's or retirement certificate, for men under 27 - a military ID or a certificate confirming the delay in the service in the army.

Based on the stated material, it can be concluded that the Life group offers its potential customers favorable and interesting credit products.

Having received credit card This group, the client automatically becomes a member of different programs and has the ability to receive bonuses and substantial discounts when calculating a card for purchased goods, services.

Also, the Life group appreciates its permanent customersoffering them more profitable offer on loans than newly minted customers.

Banks of the Life group will not be easy to survive the "death" of the head bank

Photo: Donat Sorokin / Tass

On August 12, the Bank of Russia withdrew the license from the Life Financial Group's head bank - Probusinessbank, which was included in the Top 60 in terms of assets, according to Bank. Other five banks of the Group - Express Volga, University Bank, "Let's go!", Gazenergobank and Solidarity - will be sanitized by the Agency for Insurance Deposit Bank " Russian capital" However, these measures do not mean guaranteed salvation, experts consider.

About business bank. Posthumously

The Bank of Russia on August 12 withdrew the license at Probusinessbank in connection with the non-fulfillment of federal laws regulating banking activities, as well as regulatory acts of the Bank of Russia. As reported in the press release of the Central Bank, the value of all standards for the adequacy of own funds (capital) of the bank was below 2%, the amount of capital was lower than the minimum value authorized capitaldate state registration credit organization.

"OJSC" Akb "Probusinessbank" conducted a highly adjustable policies associated with the placement money In low-quality assets. As a result of the formation of reserves, adequate risks, the credit organization fully lost own funds (capital). The leaders and owners of the credit institution did not take effective measures to normalize its activities, "the regulator says.

The plan for the participation of the Deposit Insurance Agency in resolving the obligations of Probusinessbank was approved. The plan provides for the agency of the Bank's competitive selection - the acquirer of the part of the property and obligations of Probusinessbank. It is explained that one of the requirements for participation in the competition is to ensure the start of servicing bank depositors at the points of its presence or in the same settlements No later than 14 days after the approval of the plan.

The DSA reported that if the competitive selection would take place, depositors will be able to resume access to funds in the account-acquirement bank.

Probusinessbank, according to the Central Bank, by the magnitude of the assets on August 1, 2015 held the 51st place in banking system And he was the head bank of the financial group "Life". The volume of contributions of private clients in Probusinessbank is estimated by almost 30 billion rubles.

The Central Bank also reported on the approval of the OSB participation plans in the prevention of bankruptcy of the remaining banks - Express Volga, University Bank, "Let's go!" and Gazenergobank. The DSU should at the expense of the Bank of Russia's loan to provide funds "to maintain the liquidity of banks in the amount sufficient to ensure their uninterrupted work and the timely implementation of calculations with creditors." "To ensure the liquidity of banks, AKB" Russian Capital "is involved, which, at the expense of funds provided by the Agency, will conduct operations aimed at maintaining the liquidity of banks," the regulator releases.

"The priority task of temporary administrations is to conduct a survey of the financial situation of banks. After completing the assessment by the Agency financial state banks, including definition real value Assets and obligations, bringing the authorized capital of banks to a real value (with a negative value of up to 1 ruble), the Agency will hold a competitive selection of investors for measures to prevent bank bankruptcy, including their capitalization, "the Press Release of the Central Bank.

The authority of shareholders associated with participation in the authorized capital, as well as the powers of the management bodies of all banks for the period of the temporary administration, suspended.

According to Banks.ru, Deputy Chairman of the Bank of Russia, Mikhail Sukhov, the excess of obligations over the value of Probusinessbank assets based on the available documents is at least 67 billion rubles. "Hole" caused by the presence of a bank of various financial assetshaving signs of fictitiousness. To their number, according to Sukhova, there are securities in foreign depositors, financial requirements for foreign "pseudobank", unsecured letters of credit, which do not have an obvious economic meaning, obviously fictitious term transactions, as well as other operations whose character does not allow to determine the actual value of assets .

"For this reason, the financial recovery of Probusinessbank as an independent legal entity is economically inappropriate, given the amount of insurance liability of the Insurance Agency for Citizens. We hope that from the remaining 62.8 billion rubles of assets during the liquidation procedures will be formed by funds sufficient for full payments to the creditors of the first stage. Other bank lenders will receive the fair value of their claims, determined by the results of liquidation procedures, "Mikhail Sukhov comments. According to him, it is obvious that "as information on operations that have signs of fictitiousness, the relevant information will be sent to law enforcement agencies and the recovery of assets on total About 60 billion rubles will be carried out by legitimate methods of criminal and civil-law. "

Probusinessbank was established in 1993. The holding structure of the group with the participation of regional banks began to form in 2003, later she was transformed into the Life Financial Group . According to the official site of the group, in addition to Probusinessbank, the Express Volga (Saratov), \u200b\u200bUniversity Bank (Ekaterinburg), National Bank of Savings (Ivanovo), Gazenergobank (Kaluga), "Let's go!", Solidarity (Samara), Factoring company Life, "Probusiness-Development", Life Bank brand in Ivanovo. In February 2014, the Group received the Samara Bank Solidarity on Sanation.

The main beneficiaries of Probusinessbank for March 2015 were controlling bank through the Cyprus Alivikt Holdings Sergey Leontiev (41.50%) and Alexander Zheleznyak (11.44%). Eduard Panteleev through Motherland LLC owns a share of 5.43% of the shares.

From April 23 of this year, the Board of Directors of the Credit Organization ceased to the authority of the Chairman of the Board of Alexander Zheleznyak. Director of the Department of Franchise Systems of the Credit Organization Dmitry Molenov was appointed to the position of Head of the Bank.

Serious difficulties in servicing the customers of the banks of the Life group began on August 7, after the introduction of a temporary administration in Probusinessbank and its disconnection from BESP (a system of banking electronic urgent payments of the Central Bank. - Approx. Ed.) However, on August 10, the Central Bank connected Probusinessbank to BESP. Information about finding investors for the group appeared. Among the sanators called Moscow Credit bank, Sovcombank, Binbank. However, Binbank denied the intention to participate in the competition for the choice of Sanatator Probusinessbank. On the eve of the license revocation, it became known that the group's banks introduced a preliminary recording mode for contributions over 50 thousand rubles and installed a limit of 15 thousand rubles a day on cash withdrawal through ATMs.

Meanwhile, the bank's difficulties appeared not now, experts say. The first problems with liquidity arose from the bank again at the beginning of 2014, when the indicator current liquidity He began to decline sharply, the analyst of the information and analytical service bank was noted by Vyacheslav Romashchenko.

It indicates that the Bank's assets as of July 1, 2015 amounted to 133.7 billion rubles, showing an increase of 30% from the beginning of July last year. In liabilities there is a high dependence on the funds raised - 33% of net liabilities. The credit institution attracted funds from the GC Insurance Agency, UniCredit Bank AG, Landesbank Berlin, VTB Bank (France) S.A., VTB Bank Germany, Bankgesellschaft Berlin AG. The indicator of the attracted MBC from the beginning of July 2014 increased by 114%. The capital of the bank as of July 1, 2015 was 11.2 billion rubles, the cost of capital adequacy - 11.98% at a minimum of 10%.

"Formation of reserves for prescription Central Bank RF affected the amount of capital that this moment Located at the critical level, "comments Romashchenko. He notes that if at the beginning of July 2014, the standard liquidity standards was 94.12%, then at the beginning of July 2015 amounted to 58.29% minimum meaning 50%. The Bank, according to the analyst, there is a sharp decline in the standard (by 35.83%), which indicates the insufficient liquidity reserve at the credit institution.

Expert Banks.Ru indicates that in the credit portfolio of the Organization, a high level of overdue debt can be noted: more than 20% of the portfolio volume. This indicator for the period under review demonstrated an increase of 31.4%.

As analysts emphasize, the main question of the credit institution of the Bank of Russia caused a portfolio valuable papersAs of July 1, 2015, 42.3 billion rubles and forming an essential share of assets. According to Romashchenko, about 20 billion securities are under the encumbrance, as a result of which reserves must be created. Preferably, the paper is stored outside Russia in two deposits located in Cyprus and who are subsidiaries of two private Russian brokers.

"Unlike most other banks, Probusinessbank has practically laid these papers on repo transactions with the Central Bank of the Russian Federation. According to reporting on July 1, the bank included papers only by 3.6 billion rubles. The average repayment period of papers in the portfolio is two or three years against ordinary year and a half. The economic feasibility of storage on the balance of such a large portfolio of securities is non-obvious. In addition, as practice shows, many credit organizations use this tool to finance projects, "Commented on Vyacheslav Romashchenko. According to him, the shareholders of the bank sent money to construction projectsBut it was not possible to sell objects immediately. And at the expense of the remaining funds from the bank's laid securities, the bank covered losses.

"Honestly, we are shocked"

Although the problems in Probusinessbank were known for a long time, a review of the license from the bank approaching the top 50, and even who had taking another player ("Solidarity". - Ed. Ed.), For many, it became a surprise. Recall that in less than a month ago, on July 24, the Central Bank recalled the license from the Bank "Russian Credit", which occupied the 45th place in the system in terms of assets.

"Honestly, we are shocked. Everyone was counting on a sanation, and here such a news, "one of the employees of Probusinessbank shared with the observer. "The group" Life "is a living organism, woven from our energy and love. The body lives the power of the desire of those who love him. To say that it hurts - it's nothing, "another employee of the bank wrote on her Facebook page.

Credit organization clients in Ivanovo, according to Interfax, staged a spontaneous assembly of the Life Bank office on August 12 (under this brand, the Bank works in Ivanovo). They demonstrated discontent that the office of the bank was closed, and the announcement was posted on its doors that the credit organization does not work for technical reasons.

Competitors also instantly responded to care from the market such a major player. So Alfa-Bank, Promsvyazbank, Raiffeisenbank, Absolut Bank, Inteza, Loko-Bank, Vladvrombank and Point service proposed special support programs for entrepreneurs - Probusinessbank clients.

Arguing why such a major financial institution was not sanitized, the Director of Strategic Development of SMP Bank Alexei Ilyuschenko suggests that the main players are already so busy with a retention. "In addition, it has repeatedly found out that during the rehabilitation procedure, the size of the problems significantly exceeded initial assessments. Accordingly, potential sanators began to more carefully approach the assessment of bank assets that need financial recovery, and attract an investor to such a project becomes more difficult, "Ilyychenko comments.

Director of Analytical Department rating agency Rusrating Elena Nikolaenko sees the reporting of Probusinessbank, which in the structure of obligations the retail segment was 44%, or 76 billion rubles. "Apparently, not so much the securities portfolio caused the actions of the Bank of Russia, how many risk levels when placing retail deposits," she believes.

The Chairman of the Board of Directors of MDM Bank Oleg Vyugin indicates that the Central Bank, while responding with a license, Probusinessbank operates on a new scheme, and this is under current conditions, according to him, a positive moment. "In essence, we are talking about passing good assets Probusinessbank a jar that will win the competition, but will provide uninterrupted service in offices in return. This is a normal idea. Apparently, the central bank is now hard to decide on a sanation, "suggests Voygin.

What will happen to the rest?

The main question that is in the air is: What will happen to the rest of the group banks? The Chairman of the Board of Russian Capital, who was given to the Sanated "Ill" banks, Mikhail Kuzovlev stressed that the financial recovery of problem banks is one of the main activities of the organization. He recalled that Russian Capital belongs to the QA and "guarantees the protection of the interests of clients of rejoiced banks." "In the near future, in accordance with the approved plan, we will ensure the normalization of the work transferred to us to the sanitation of banking institutions, carrying out uninterrupted settlements and the execution of all previously issued financial obligations Before depositors and creditors. Regional banks - important element In ensuring stability russian economy"," Said Kuzovlev, stressing that the task of financial recovery and the further development of the business of banks of the Life Group "is fundamental."

In the Yekaterinburg university, the bank reported that there are no queues and mass panic in offices. "We are actively working with clients, we clarify, consult," the representative of the credit institution said. She also noted that, as before, the limit on removal of bank cards - 15 thousand rubles per day, and large amounts of deposits are issued on request. The bank added that the Chairman of the Board of the Organization, Andrei Zolukhin, is actively working with the team, interacts with the DC.

The Chairman of the Board of another Yekaterinburg Bank - Neiva Pavel Efremov believes that thanks to the operational report of the Central Bank of the Sanation of the FG Life participants managed to prevent panic in the regional market. "Thanks to the Central Bank, which promptly accepted all the decisions and quickly gave information about the Sanation of the Group's banks after the decision to revoke the license. If the uncertainty was delayed, there would be the likelihood of another client panic, "says Efremov.

However, the approval of plans for warning the bankruptcy of the banks of the Life Group, as practice shows, does not mean automatic salvation, experts indicate. The fact is that the banks of the Life group in their work are financially closely related to each other.

According to reporting on July 1, the amount of funds attracted by Probusinessbank from resident banks coincides with the data on the amount of funds issued by the Group's regional banks, notes the head of the information and analytical service bank.ru Sabina Khasanova. "In general, the banks of the group have a similar business model, specialize in retail lending. At the same time, funds of the population are the main source of funding of bank banks of the Group, "explains Hasanov. According to analysts BANKA.ru, in six months of 2015, the banks of Express Volga, "Let's go" and the university-bank showed a loss, a delay in the aggregate credit portfolio Data banks is at the level of 22%, 25% and 27%, respectively. Only Gazenergobank was released for profit, the overdue debt of which, by the way, is lower than from other bank banks, 14%. Standards of bank banks are in a modest level. In addition, the funds attracted were headed by the head Probusinessbank. "In this regard, the likelihood that the DSA will reveal problems with the question of the feasibility of planned rehabilitation," expert suggests.

"As for the other banks of the Life Group, given that they kept significant balances on the accounts of Probusinessbank, they may also have serious problems with liquidity," the head of the AMARKETS Analytical Department Artem deyeva notes.

Experts expect further system "stripping" banking market. "The Central Bank conducts these measures to strengthen the banking market and strengthening the state's participation as a business entity in the banking system," the director of the Institute of the current economy of Nikita Isaev is arguing. In his opinion, the size of the bank's assets does not have such a significant value, but the value of the capital and administrative resource of the shareholder are important. "Of course, a blow to small and medium-sized banks will be more significant due to tightening the requirements of the Central Bank to the size own capital and reporting system. But also large banks From the top 50, as we see on the example and Life Group, and the Russian Credit Bank, have similar problems and are also in the risk zone of licenses, "says Isaev.

According to Pavel Efremova from the bank "Neiva", in such a situation the main "beneficiaries" becomes the state banks. "It seems to me that there is a consistent" pound "of enterprises for service in the state banks to control their financial activities and use their funds," the banker argues.

Oleg Vyugin adheres to a few other point of view: "As a result of the policies of the Central Bank, the confidence of the population is concentrated either to sufficiently large banks or to banks with strong shareholders."

Life group

The Life Financial Group (FGL) is a company that united under its brand many different financial institutions throughout the Russian Federation. Its participants became the company and banks both regional and federal, as well as international importance.

All participants in the Life Financial Group adhere to the developed and successfully implemented by the principles of client partnerships, which have allowed to create a powerful system in Russia innovative service Finance services.

General Principles of Financial Group

On the a certain stage In the development of its development, the Life Financial Group has decided to refuse many well-established standards of classical business, regarding customer relationship policies

The new logical model primarily implies:

Complete refusal to use credit committees:
Maximum implementation of personalization strategy at all levels of business processes;
The priority conditions of the maximum guarantee of professional capital management of both large companies and individuals are private investors;
Orientation for long-term client-partnerships in all spheres of the company's services;
High degree of efficiency and quality of work of financial managers;
Intensive introduction of modern innovative business methods and business models.

Logo

Principles laid down in a new model financial activities Life groups, reflected in its general logo. It was developed in the Moscow ka "AIS" and is a multicolor cataca of dividing cells.

Elements of cells mean multiplicity and development of the group, and the general picture resembles a human fingerprint - talking about the fundamental personalization of work with the company's clients. The entire drawing on the macro level consists of a set of zeros, which hints at the progressive capitalization of the entire structure of the financial group.

Departments

All structural components of the Life group, companies, banks, firms and other institutions are functioning on the basis of the center-corrected independence. Finagement lead their work according to the terms of business for their niche and their territory, but with controls from management, through groups-department deposits developing the main lines and strategies financial Policy For each division in accordance with the information flowing towards them.

FGL is structured into separate conditionally independent financial institutions with accountability of the main management office. In the main office of the company Life for each of the key business areas, special profile subgroups are organized, each of which has its representative top management in the company.

At the moment, the Life group has the following profile business units - Departments:

Express lending;
Middle and small business;
Retail business;
Corporate business;
Finance markets.

Such a structure meets the most advanced business management schemes and brings tangible results in her practical application.

Values

For each structural division of the FGL, as well as for each individual employee, the company has developed value guidelines to adhere to which is necessary in the priority.

Among other things, these guidelines include the following:

Effective teamwork with a priority of mutual assistance and mentoring;
Full responsibility and deep trust in customers;
Client loyalty and business partnerships, providing long-term and obligation of joint business;
Openness, honesty and constant improvement of professionalism give a group Life team composition of the highest level and excellent business reputation.

Fire Ratings Life

Currently on world financial markets and the markets of Russia continues a protracted recession, often complicating many financial operations and increasing multi-level risks. However, despite all this, the leading world rating business agencies, the Life Financial Group is recognized as a fully economically valid institution.

FLG is estimated in a common perspective as a completely reliable institution:

The quality of the assets of the group is assessed as "good";
Liquidity level estimated as "sufficient";
The level of debtful perception, estimated as "moderate."

High level diversification of the factoring portfolio and its quality;
Established structure of work and the main lines of its development;
The overall profitability and positive balance of the company.

Of course, such a success in unhealthy economic times when there are serious problems with many powerful companies, could not appear nowhere. In this regard, the Polystructurality and the quality of the components of the bones of financial institutions became part of the FGL, allowing beneficial and minimal risks to redistribute business loads within the entire system.

The business basis of the company Life is:

OJSC AKB Probusinessbank (Mother's Company);
OJSC Gazenergobank;
OJSC KB "Solidarity";
CJSC Accord "Express Volga";
Probusified development;
Collector agency Life;
OAO AKB "UNWAT-BANK";
Factoring company Life;
ZAO National Bank savings;
JSC KB "Let's go!".

System from these and other financial institutions:

Covers around 70 and regions;
Has almost a thousand offices;
Has about a quarter of a million client composition legal entities;
Has more than 4 million client composition of individuals;
Has almost 20 thousand employees and staff;
Enters the top 30 by the number of ATMs;
Enters the top 10 banking groups;
Successfully present over 20 years in the market.

FG Life has the following officially approved ratings:

Top 50 from the Expert RA Agency on loans and deposits of individuals of the maternal company;
Credit rating on factoring from the agency "RRUSRATING": "Stable (BBB)" - on the national scale and "stable (explosive)" on the international scale;
Online banking rating from Markswebbrak & Report Agency - 8th place.

Terms of cooperation with Life Company

FG Life owns a complete set of all major services and products in the field of finance and offers them on the most favorable conditions For most of the territory of the Russian Federation.

Participants in the structure of the financial group Life carries out the full range of classical and innovative banking:

Investment services;
Money transfers;
Take deposits of legal entities and individuals;
Factoring and leasing;
Implement cash Operations;
Provide remote banking;
Development services;
Credit both large, so medium and small enterprises and companies;
Make issuance of debit credit cards and consumer loans;
Produce loans to state employees;
Collective services.

The main distinguishing condition for cooperation with FGL is deep personalization in the client-manager work scheme. The decision on lending no longer accepts little-dynamic credit committees from several dozen participants. Instead, a personal highly professional manager is provided to the client, which himself determines the degree of credit confidence of the client and is fully financially responsible.

Such a scheme gives the best performance, is widely tested in practice with the most positive results for both customers and FG Life.

Reviews about cooperation with financial group Life

Employee reviews

Igor, employee of the company.

pros: The salary is fully official, paid on the European system - every two weeks. Everything fully complies with the contract concluded. An ordinary working team is very friendly and responsive.
Minuses: No quarterly premiums and thirteenth wage. Sometimes the new year premiums are distributed extremely biased.

Catherine, employee of the company.

pros: The bosses are not particularly strictly and picky into small disabilities of labor discipline (for infrequent desection words will not say, if only the work went). The company does not scatter corporate standards. On birthdays, be sure to congratulate. Labor Code Performed in full: payments, vacation. There is a real career growth.
Minuses: Do not pay for processing, the salary does not increase from the length of the years. The authorities sometimes directly executes the promises.

Evaluation:

Dmitry, employee of the company.

Pros: Creative potential does not clamp - you can implement and try your own customer attraction schemes. Gorgeous high-rise office with a stunning panoramic view through the fiberglass. Friendly and decent team. Pretty high level of professionalism.
Minuses: The client composition mostly comes across small because large customers are all go through a factoring bank. It will be very much a guy staff, and unhealthy teaching is observed in the state of the main workers.

Evaluation:

Anna, employee of the company.

Pros: Very friendly and young team. Big level of ambitious youth. The company does not happen a set of inexperienced professionals or without experience at all. All payments are made on time and in full. Strong labor discipline.
Minuses: Some incomprehensibility of the workload system of correlated salary: the workload is constantly increasing, and there is no salary. In general, for an increase in salary without loved ones and friendly relations with the boss is better not to talk.

Evaluation:

Customer reviews

Maxim, entrepreneur.

Pros: Loans I did not take loans in this company, but in terms of trading service all at the height: in the medium-term framework there were never any linings or office wires - everything is placed simply and in the established framework. About loans still check, but friends do not complain.
Minuses: Sometimes some minor errors occur in online banking (notifications of non-existent operations).

Mikhail, entrepreneur.

Pros: Self-contact trade in repeated introduction of funds. Managers are distinguished by great attentiveness and politeness. The percentage of slippage into peak loads is quite normal and no more than others. The quality of trade for all time did not deteriorate - stability is obvious.
Minuses: There are some technological maintenance problems, but they are never critical.

Evaluation:

Elsa, depositor.

Pros: The Life group suits me in terms of reliability. The composition of the group of banks providing its liquidity is quite solid. Also inspires confidence in the insurance capital and funds. Managed staff - just a miracle, very responsive people, always seeking to help. It even creates the impression that they pay the major salary for politeness, and not for attracting customers.
Minuses: have not found yet.

Evaluation:

Alexander, Investor Depositor.

Pros: always in stock very favorable offers, you can give the least time for the optimal search for Malorisky and favorable investments. Personal service at altitude - competence and care in work, interest in the positive result. We work with a manager of one team. Very satisfied.
Minuses: Once a failed SMS has come about some delay that did not exist. The call to the manager instantly solved the problem, plus polite apologies.

Evaluation:

The company Life is a well-known organization that has become public domain. Its participants are quite large banks, such as: "Express Volga", "University-Bank", Ivanovsky Regional Bank, "BANK24.RU" and "Gazenergobank".

The Life Group is the largest operator in the Forex market, which has gained fame and respect for its rapid expansion and ability to work. For all the years of existence, Life began to represent the most favorable trade conditions in the Forex market. This leads not only to successful development, but also to expand the scope of activity. Since 2004, all existing Broker banks Forex Life became direct participants in the deposit insurance combination. This step has allowed to guarantee the safety of available raiders. The procedure for the commissioning and conclusion of funds takes the minimum amount of time - about a few minutes. This is a great advantage that allows you to turn out cash transactions without problems and extra time, which was not available earlier. The Life Financial Group is under the legislation of the Russian Federation, which allows you to be calm under any circumstances.

Rating position of the financial group Life

As for the ratings of this financial group, it can be said that they are high enough, which makes it possible to make competence and qualifications of the presented group. Life ranks second on the existing number of own ATMs in Russia. Also, the financial group Life entered the rating "500 largest companies Russia ", which is held every year. Summing up in 2009, it is possible to draw conclusions that the company is rapidly moving forward, increasing its position. Already in 2009, the financial group took the 206th place in the fundamental ranking and thereby entered the top five Companies that showed the most effective improvement results for the current year. If you have a comparison since 2008, the company rose to 201 steps up - these are stunning results that are a few, but only the best. In the field of association of the company there are seven influential commercial banks. Here The same includes many profile subsidiaries.
According to the volume of assets available in the financial group, the company is included in the Top-30 Russian banking associations, and also enters the top 5 - as the largest lender of the small business sphere.

01.10.2018

Life group

The Life Financial Group (FGL) is a company that united under its brand many different financial institutions throughout the territory of the Russian Federation. Its participants became the company and banks both regional and federal, as well as international importance.

All participants in the financial group Life adhere to the developed and successfully implemented by the principles of client partnerships, which allowed to create a system of powerful innovative services in the field of finance in Russia.

General Principles of Financial Group

At a certain stage of its development, the FIF financial group has decided to refuse many well-established standards of classical business, regarding customer relationship policies.

The new logical model primarily implies:

Complete refusal to use credit committees:
Maximum implementation of personalization strategy at all levels of business processes;
The priority conditions of the maximum guarantee of professional capital management of both large companies and individuals are private investors;
Orientation for long-term client-partnerships in all spheres of the company's services;
High degree of efficiency and quality of work of financial managers;
Intensive introduction of modern innovative business methods and business models.

Logo

The principles laid down in the new model of the financial activity of the Life group were reflected in its general logo. It was developed in the Moscow ka "AIS" and is a multicolor cataca of dividing cells.

Departments

All structural components of the Life group, companies, banks, firms and other institutions are functioning on the basis of the center-corrected independence. The financial institutions lead their work, respectively with the conditions of business for their niche and their territory, but with control of management, through group-department group developing the main lines and financial policy strategies for each unit in accordance with the information flowing towards them.

At the moment, the Life group has the following profile business units - Departments:

Express lending;
Middle and small business;
Retail business;
Corporate business;
Finance markets.

Such a structure meets the most advanced business management schemes and brings tangible results in its practical application.

Values

For each structural division of the FGL, as well as for each individual employee, the company has developed value guidelines to adhere to which is necessary in the priority.

Among other things, these guidelines include the following:

Effective teamwork with a priority of mutual assistance and mentoring;
Full responsibility and deep trust in customers;
Client loyalty and business partnerships, providing long-term and obligation of joint business;
Openness, honesty and constant improvement of professionalism give a group Life team composition of the highest level and excellent business reputation.

Fire Ratings Life

Currently, the global financial markets and markets of Russia continues a protracted recession, often complicating many financial transactions and increasing multi-level risks. However, despite all this, the leading world rating business agencies, the Life Financial Group is recognized as a fully economically valid institution.

FLG is estimated in a common perspective as a completely reliable institution:

The quality of the assets of the group is assessed as "good";
Liquidity level estimated as "sufficient";
The level of debtful perception, estimated as "moderate."

High level diversification of the factoring portfolio and its quality;
Established structure of work and the main lines of its development;
The overall profitability and positive balance of the company.

The business basis of the company Life is:

OJSC AKB Probusinessbank (Mother's Company);
OJSC Gazenergobank;
OJSC KB "Solidarity";
CJSC Accord "Express Volga";
Probusified development;
Collector Agency Life;
OAO AKB "UNWAT-BANK";
Factoring company Life;
ZAO National Bank savings;
JSC KB "Let's go!".

System from these and other financial institutions:

Covers around 70 and regions;
Has almost a thousand offices;
Has about a quarter of a million client composition of legal entities;
Has more than 4 million client composition of individuals;
Has almost 20 thousand employees and staff;
Enters the top 30 by the number of ATMs;
Enters the top 10 banking groups;
Successfully present over 20 years in the market.

FG Life has the following officially approved ratings:

Top 50 from the Expert RA Agency on loans and deposits of individuals of the maternal company;
Credit rating on factoring from the agency "RRUSRATING": "Stable (BBB)" - on the national scale and "stable (explosive)" on the international scale;
Online banking rating from Markswebbrak & Report Agency - 8th place.

Terms of cooperation with Life Company

FG Life owns a complete set of all major services and products in the field of finance and offers them on the most favorable terms for most of the territory of the Russian Federation.

Participants in the structure of the financial group Life carries out the full range of classical and innovative banking:

Investment services;
Money transfers;
Take deposits of legal entities and individuals;
Factoring and leasing;
Cash operations are carried out;
Provide remote banking;
Development services;
Credit both large, so medium and small enterprises and companies;
Make issuance of debit credit cards and consumer loans;
Produce loans to state employees;
Collective services.

Such a scheme gives the best performance, is widely tested in practice with the most positive results for both customers and FG Life.

Reviews about cooperation with financial group Life

Employee reviews

Igor, employee of the company.

pros: The salary is fully official, paid on the European system - every two weeks. Everything fully complies with the contract concluded. An ordinary working team is very friendly and responsive.
Minuses: No quarterly premiums and thirteenth wage. Sometimes the new year premiums are distributed extremely biased.

Catherine, employee of the company.

pros: The bosses are not particularly strictly and picky into small disabilities of labor discipline (for infrequent desection words will not say, if only the work went). The company does not scatter corporate standards. On birthdays, be sure to congratulate. Labor code is fully fulfilled: payments, leave. There is a real career growth.
Minuses: Do not pay for processing, the salary does not increase from the length of the years. The authorities sometimes directly executes the promises.

Dmitry, employee of the company.

Pros: Creative potential does not clamp - you can implement and try your own customer attraction schemes. Gorgeous high-rise office with a stunning panoramic view through the fiberglass. Friendly and decent team. Pretty high level of professionalism.
Minuses: The client composition mostly comes across small because large customers are all go through a factoring bank. It will be very much a guy staff, and unhealthy teaching is observed in the state of the main workers.

Anna, employee of the company.

Pros: Very friendly and young team. Big level of ambitious youth. The company does not happen a set of inexperienced professionals or without experience at all. All payments are made on time and in full. Strong labor discipline.
Minuses: Some incomprehensibility of the workload system of correlated salary: the workload is constantly increasing, and there is no salary. In general, for an increase in salary without loved ones and friendly relations with the boss is better not to talk.

Financial group Life ─ large Russian banking holding, founded for more than 10 years.

Head Organization FG Life is OJSC AKB Probusinessbank.

FINANCIAL GROUP LIFE unites JSCB OJSC Probusinessbank and its subsidiaries and companies: Akb Express Volga CJSC (Saratov), \u200b\u200bOUZ-Bank OJSC (Yekaterinburg), CJSC National Bank savings bank (Ivanovo), OJSC Gazenergobank "(Kaluga), JSC KB" Let's go! " (Moscow), OJSC CB "Solidarity" (Samara), OOO Factoring company Life (Moscow), LLC "Probusiness-Development" (Moscow), as well as the Life Bank brand in Ivanovo.

Group banks serve more than 4 million individuals and individuals and 200 thousand legal entities. The group has a fourth network of physical presence from more than 800 branches. Currently, more than 17 thousand people work in the group.

Participants in the Life group are guided by common values \u200b\u200band business standards, have a uniform treasury, an IT platform, a call center, as well as a single culture banking servicewhich provides every customer attention and exceptional service.

Shareholders

OJSC OJSC Probusinessbank controls top managers of the bank: President and Chairman of the Board of Directors Sergey Leontiev (29.8%), First Vice-President Eldar Bikmayev (11.72%), Chairman of the Board, Alexander Zheleznyak (11.43%). Senior Vice President Eduard Panteleev owns 5.46% of the bank's shares. The remaining 41.59% of the bank's shares belong to portfolio investors (Swedish investment confusion East Capital (19.93%), Blue Crest (7.94%), Rekha Holdings (6.5%), Burmash Holdings (7.22%).

SPECIALIZATION

Financial group Life works in all segments banking business. Probusinessbank, university bank, Express Volga and Gazenergobank are universal banks and serve individuals, small and medium-sized companies and corporate clients. The rest of the banks are monolariners: Let's go! " It offers financial solutions for individuals, the Ivanovo National Bank of Savings serves the employees of the budget sector. Probusinessbank through its investment division "Life Capital" provides customers with a group of services of access to financial markets.

KB "Solidarity" in the FG Life

Becoming a part of the group, the Bank "Solidarity" plans to repeat the success of Kaluga Gazenergobank, which as a result of the sanation became part of the Life financial group in 2008, for 5 years he went to the federal level, and today is a sustainable and successful bank. Bank "Solidarity" has no less ambitious plans, and now one of the main tasks for him is to radically change the submission of its customers about banking. After all, all banks of the Life group are innovation, technologies, rapid decisions and independent entrepreneurs aimed at the result.

Read more about FG Life can be found on the official website of the group

The history of the holding began since 1993, when the Akb "Probusinessbank" was founded. At the initial stage, it was a completely ordinary credit institution created by two partners: Sergey Lentev and Alexander Zheleznyak. In its creation, money was invested, earned by the traditional method for the time for intermediary and consulting services.

According to today's chairman of the Board of Probusinessbank, the first ten years

We have done anything: surrogates, bills, credits, earned on the calculations in Indian rupees.

A kind of illusion came to the leadership future group In 2003, when it was decided to buy several regional financial institutions. And the monetary component of this process ensured cooperation with the European Bank for Reconstruction and Development.

Interestingly, unlike other banks, the Life group initially chose the orientation to the regions. As a result, today its branch network is among the top five banks, more than 700 branches are present in almost every Russian city with a population of 50 thousand people.

Buying banks, the Life group did not just invest in them, but changed the structure of organizations. Staff almost changed, and new methods were offered.

As a result, within the framework of the Holding, there is a certain specialization of financial institutions: "Express Volga" leads on deposits of the population, "Let's go!" Prefers to work with consumer loans, the National Bank of Savings (NBS) credits state employees. In fact, the heads of divisions independently determine what products to give an advantage, determine the tariff policy and so on.

As a result of an innovative approach, the Life group is considered one of the most profitable and rapidly developing in the Russian financial sector. And on the totality of assets, it is already included in the 30 largest banking institutions.

Problems of the financial group "Life"

Per last years In the holding there were not only acquisitions, but also the loss. So, the banking license lost the Bank24, specializing in servicing small and medium enterprises. If you judge by reviews, he was one of the most convenient for business.

However, unfortunately, the credit institution could not cope with one of the main problems of Russian reality: to establish a relationship with the regulator. As a result, the Bank of Russia accused credit Organization In laundering money and deprived the license. It should be noted that "Bank24" had enough money to fully pay absolutely with everyone who kept his bills.

Investment block "Life"

On the stock market The Life Financial Group is Life Broker LLC. Its products are offered in all departments of the holding, so services are available not only for the capital, but also for regions.

In addition to traditional brokerage service For traders, as it always happens at Life, customers are offered and special financial products. For example, the ability to accumulate money by buying and selling separate shares on quotes put up the company itself.

It should be understood that when concluding transactions with the broker himself, the difference between the price of purchase and sales may be almost 5% instead of a tenth or even a hundredth share of the percentage, like other stock exchange intermediaries.

The company Life is a well-known organization that has become public domain. Its participants are quite large banks, such as: "Express Volga", "University-Bank", an Ivan Regional Bank, "BaN22.Ru" and "Gazenergobank".

Life Financial Group - Our Review

Rating position of the financial group Life

As for the ratings of this financial group, it can be said that they are high enough, which makes it possible to make competence and qualifications of the presented group. Life ranks second on the existing number of own ATMs in Russia. Also, the Life Financial Group entered the ranking of the "500 largest companies in Russia", which is held every year. Summing up in 2009, we can draw conclusions that the company is rapidly moving forward, increasing its position. Already in 2009, the financial group took the 206th place in the fundamental ranking and thus entered the top five companies that showed the most effective improvement results for the current year. If you have a comparison since 2008, then the company rose to 201 steps up - these are stunning results that are reached by a few, but only the best. In the field of association of the company there are seven influential commercial banks. This also includes many profile subsidiaries.
According to the volume of assets available in the financial group, the company is included in the Top-30 Russian banking associations, and also enters the top 5 - as the largest lender of the small business sphere.