Promsvyazbank - large bank universal type, founded in 1995. It is among the top ten in Russian rating and in the 500 largest in the world. A key area of ​​work is serving corporate clients. The bank has a developed network in Russia, an office in Cyprus and a representative office in China. Since 2005, the bank has been working with individuals. Currently engaged in the rehabilitation of AvtoVAZbank (PJSC AVB). Controlling stake shares credit organization belongs to private individuals. To size equity(1368788986 thousand rubles in November 2016) the bank is in 9th place in the Russian rating and 8th in Moscow.

The bank supports business and works with large corporations. The list of its services for business also includes the provision of bank guarantees. For registration of municipal, private or government contracts, as well as for processing applications for participation in the tender to corporative clients guarantees are offered. Pomsvyazbank guarantees are reliable security for business development. It issues guarantees in the amount of up to 120 million rubles. for an unlimited period. Minimum size commission 10 thousand rubles. When guarantees are secured by a bill or deposit, the registration procedure is accelerated and simplified.

Requirements for principals

Individual entrepreneur or legal entity of any form (CJSC, OJSC, LLC) with a validity period of at least 3 months, at least one report submitted to the Federal Tax Service or account turnover for 2 or more months, absence of a card index for accounts opened in any bank. Absence of legal proceedings, unfulfilled court decisions, involvement in criminal liability business owners.

Conditions

Providing customs, tender, advance and contract guarantees for an unlimited period in the amount of up to 120 million rubles. Payment of the commission in a lump sum before the guarantee is issued. The application is reviewed within 4 days. Security of the client's choice: pledge of a bill of exchange, security deposit, pledge of property.

Providing title and financial documents, as well as documents confirming the maintenance economic activity. Documents are provided in originals or certified copies.

You can apply for a guarantee on the bank’s website.

Today, the list of banking structures that are ready to offer legal execution of bank guarantees is not replete with variety. Promsvyazbank is among the institutions with services of this type. What terms of agreement await the parties to the agreement?

What it is

Bank guarantee- This is a unique form of guarantee, which is presented in the form of a unilateral agreement. The main task agreement is to ensure compliance with the terms of the contract between the customer and the contractor.

In cases where the customer fulfilled his obligations untimely, poorly or completely ignored them, the guarantor bank pays compensation to the customer.

Kinds

Promsvyazbank is one of the few banking structures in the territory Russian Federation, which received a license from Central Bank RF, allowing to provide bank guarantees to the client audience.

The banking institution is ready to offer potential principals a wide range of tools to regulate business transactions. Today, the bank offers several types of bank guarantees.

Tender

The guarantee is intended to ensure the fulfillment of the obligations of entrepreneurs who have applied to participate in the competition.

The main purpose of the agreement is to prevent cases when a company acting as a participant wins when submitting an application and does not sign the agreement.

Often, participating companies, for their own subjective reasons, lose interest in the transaction. The tender guarantee will allow customers to protect themselves from unreliable partners and, accordingly, the financial costs of holding a new tender.

As practice shows, most international competitions require a similar type of guarantee for participation in the tender.

Customs

This type of guarantee is an alternative option for companies that plan to cooperate with customs authorities.

Today, there are several types of customs guarantees: cases when the principal acts as the owner of the customs warehouse, as well as cases when the principal fulfills the terms of the agreement as a customs broker.

A guarantee of this type will significantly expand the capabilities of the contractor:

• save time on customs procedures;
• receive the goods before paying taxes and duties;
• do not collect funds from trade turnover;
• obtain a customs broker license;
• perform the functions of the owner of a temporary storage warehouse.

Execution of the contract

The main purpose of a guarantee of this type is to ensure timely deliveries or provision of various types of services in accordance with the terms of the agreement between the contractor and the customer.

Promsvyazbank takes responsibility for ensuring that the contractor fulfills its obligations in a timely manner, otherwise the banking structure will compensate the customer company for losses in monetary terms.

Moreover, the bank will monitor the proper fulfillment of the terms of the contract throughout the entire transaction.

Refund of advance payment under contract

An advance payment to the customer is often considered as targeted financing, which is the subject of the transaction. If the contractor uses advance funds for other needs, then there is a high probability of non-fulfillment of the work promised to the customer.

A guarantee of this type is a guarantee from a banking institution for the executor of the order.

Thus, if the principal violates the terms of the agreement on at least one stated point, the bank will return to the customer the previously paid payment for incorrectly performed work.

The process of obtaining a bank guarantee from Promsvyazbank

In order to issue a bank guarantee at Promsvyazbank, you must visit the nearest branch of the banking structure. Then the contractor needs to contact the bank consultant and express his desire to formalize the agreement.

It is worth noting that not all citizens can act as a principal, but only private entrepreneurs or a representative of a joint-stock company whose existence is at least three months.

In the future, employees of the banking structure will carefully check the applicant for a bank guarantee.

The criteria by which the assessment will be carried out are as follows:

• the owners of the enterprise have no criminal record;
• having a “clean” credit history.

Bank employees will announce their decision after checking the applicant and the documentation presented to him.

As a rule, the procedure takes no more than 4 days. If the answer is positive, the principal and employees of the institution will draw up and sign the terms of the bank guarantee.

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What is the price

It's no secret that bank guarantees are one of the products of a banking institution. Of course, the bank makes a profit from the execution of the agreement. That is why, among those wishing to enter into an agreement with a bank, the question arises of how much such a service costs.

Promsvyazbank does not have an average tariff for such a service. The cost is determined individually depending on the type of guarantee and the specifics of the principal’s business.

The following factors affect the cost of the warranty:

• The amount of the guarantee. Basically, the commission for the provision of services varies from 2% to 10% of the guaranteed amount.
• Security. In order to protect itself, the banking structure asks principals to provide collateral. If the requirement is not met, the cost of the arrangement will increase significantly.

A sample bank guarantee is clearly regulated Civil Code RF. The rules state that the document must be executed exclusively in writing.

In addition, in order for the guarantee to be issued in accordance with the law, the agreement must contain the following data:

• date of issue of the agreement;
• indication of the parties to the agreement;
• clarification of the obligations of all parties to the transaction;
• clarification of the amount Money and the procedure for their payments;
• duration of the agreement;
• clarification of the warranty case.

Package of documents

The contractor who has expressed a desire to conclude a bank guarantee must mandatory provide the guarantor bank with a list of documentation.

More detailed information is presented in the table below.

№	Title documentation	Financial documentation	Documents to confirm business activity
1.	application for established by the bank form	a financial report with a stamp or postal receipt, as well as an inventory confirming the submission of the tax assessment for the last period	The type of document varies depending on the type of guarantee. An agreement that became the reason for opening a bank guarantee with a mark from the banking structure for the return of the advance payment and for the fulfillment of obligations. In the case of a tender guarantee, an agreement indicating the timing of the tender.
2.	passport of a citizen of the Russian Federation	tax return
3.	certificate confirming state registration	extract from the book of income and expenses
4.	certificate confirming registration with a government agency
5.	constituent documentation
6.	documentation giving the right to act as a proxy when concluding an agreement
7.

Deadlines

The conditions for providing bank guarantees at Promsvyazbank are among the most favorable. First of all, this was reflected in the timing of the provision of services. It is worth noting that clients of the banking structure have the opportunity to draw up an agreement for an unlimited period.

Where to check

Today, cases of fraud are common. Promsvyazbank's services are “clean”; customers should not expect deception. The principal, after concluding a bank guarantee with the institution, can easily verify the authenticity of the transaction.

Each participant in the agreement has the opportunity to use the Internet to visit the website of the official register and check the presence of a guarantee there. In accordance with the law, banking institution, after one day is obliged to enter your guarantee into the official register.

Advantages and disadvantages

Promsvyazbank is one of the most promising banking structures that is ready to offer its clients profitable terms issuance of bank guarantees.

Among the advantages of cooperation with the bank are the following:

• reliability of the transaction;
• an impressive guarantee amount, up to 120 million rubles;
• unlimited warranty period.

Thus, a bank guarantee is alternative solution to regulate business transactions. Promsvyazbank presents the most popular types of guarantees that can protect the interests of all parties to the agreement.

Promsvyazbank launched a new banking product"Electronic bank guarantee". Testing of the product began in May 2017, and by the end of October the volume of distributions amounted to 2.7 billion rubles.

An electronic bank guarantee is issued in an amount of up to 50 million rubles for a period of up to 26 months at a rate of 3% per annum. In order to use this service, the client must have experience in the successful execution of at least one contract concluded within the framework of Federal laws No. 44-FZ, No. 223-FZ and No. 185-FZ. Under these conditions, Promsvyazbank is ready to provide guarantees for participation in the tender (tender guarantees), as well as guarantees for the fulfillment of obligations under the contract and the return of the advance.

The product is available to clients with annual revenues of up to 4.5 billion rubles and is sold both through the bank’s client managers and its own electronic service bank guarantees, and through the official online services of the Bank’s partners - GosOblako, Tenderland Finance, BankON.

"Modern development trends banking sector based on digitalization processes. Translation of such traditional banking services, how issuing loans and providing guarantees online allows our clients not to waste time on processing large quantity documents and visiting the office, which is especially important in the field of execution of government orders,” noted Innokenty Volovik, director of product and technology development for medium and small businesses at Promsvyazbank.

About Promsvyazbank

PJSC Promsvyazbank, Moscow (founded in 1995) is one of the leading Russian private banks with assets of 1.2 trillion rubles and own funds(capital) 154 billion rubles as of 10/01/2017 according to RAS data. Promsvyaz Capital B.V. Company belongs to 50.0343% of the bank’s ordinary shares, 11.7457% to the European Bank for Reconstruction and Development, 10% to NPF Future, 9.9999% to NPF SAFMAR and NPF Doverie, which are part of the same group of persons, 8 .8897% – PJSC MKB as part of a repo. The bank has the following long-term ratings from international rating agencies: “B+” Standard & Poor’s (under review), “B2” Moody’s Investors Service (under review), as well as a national rating from rating agency RA expert at “ruA” level (stable forecast). Promsvyazbank ranks 10th in the ranking of the hundred largest banks in Russia according to Kommersant-Dengi magazine. Promsvyazbank Internet Bank was recognized as the best in Russia according to the results of the Internet Banking Rank 2016 study by the analytical agency Markswebb Rank & Report and according to the Global Business Outlook magazine. The bank's network includes about 300 sales points in Russia, as well as a bank branch in Cyprus and a representative office in China. Ordinary shares banks are included in the quotation list of the highest level of listing of the Moscow Exchange (ticker - PSBR). www.psbank.ru

Promsvyazbank offers guarantees to ensure obligations to fulfill the contract, participate in a competition, return the advance and other areas.

Types of guarantee in Promsvyazbank

The Bank provides the following types of guarantees:

to return the advance payment;

to secure an application for participation in the procurement;

to ensure the execution of a government contract;

for loan repayment;

customs guarantee.

Conditions for issuing a bank guarantee at Promsvyazbank

The maximum amount of guarantee that you can issue at Promsvyazbank is 150 million rubles.

The minimum commission amount for providing BG is 10,000 rubles, but the exact amount is set individually for each client. The remuneration in favor of the bank is paid at a time, until the moment of its issuance, for the entire period of validity of the bank account.

The period for reviewing the client's application and completing the application takes up to 4 working days.

Promsvyazbank requires the deposit of security to issue a bank guarantee at the client's choice:

pledge of a bank bill;

deposit from legal entity faces;

pledge of corporate or personal property;

conclusion of an insurance contract against business risks.

Some of the most popular are guarantees to ensure participation in the procurement and a guarantee of fulfillment of obligations under the contract.

A bank guarantee to ensure participation in the competition is issued for a period, according to the tender documentation, in Russian rubles, US dollars or euros. Security in the form of a pledge or guarantee from the owners of the company's assets is required.

A bank guarantee for the execution of a contract is issued only in Russian rubles, and prerequisite is to provide a deposit covering the amount of the guarantee. In individual cases, in agreement with the bank, a guarantee can be issued.

★ Online bank guarantee calculator

[bank guarantee calculator]

To find out more precise conditions for obtaining a bank guarantee from Promsvyazbank, you can contact the bank’s specialists. And in order to calculate the commission for several leading banks in Russia and choose the most suitable option To apply for a guarantee, leave a request on our website or contact our managers toll free number phone 8 800 700 23 26.

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Promsvyazbank offers to use a service such as a bank guarantee. It is precisely this that is a reliable tool in ensuring financial obligations. To use the bank's services, you must adhere to certain conditions.

1. By amount bank guarantee Promsvyazbank can reach amounts up to 60,000,000 rubles.

2. The currency in this operation is only rubles.

3. There are no restrictions on the maximum warranty period.

4. minimum term no less than the deadline for fulfilling obligations.

5. Making decisions from two days.

It is possible to provide guarantees as collateral, such as:

Security deposit

Pledge of institution's bill

Guarantee of legal entities.

So is the provision of a bank guarantee without collateral.

Types of batteries provided " Promsvyazbank" bank guarantees:

Tender guarantee

A written commitment from the existing guarantor bank is provided. It is issued at the request of the principal, that is, the participant in the competition, towards the beneficiary, that is, the organizer of the auction. The latter is reimbursed the amount indicated in the bank guarantee. This happens only in cases where the principal won the tender or the application was withdrawn after the deadline for accepting documents.