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Platinum» Interest rates
*Source: BTA bank’s official website
Deposit «Premium»could be opened in three currencies, the minimum amount of contribution is 15,000 KZT, 100 USD, or 100 Euro. The interest rate unchanged for the entire term of the deposit. Additional contributions are accepted in cash and cashless. Opening an account is possible through Internet banking, while the investor is able to track your deposit to replenish it in standalone mode via the Internet. Deposit term is 12 months in tenge, U.S. dollars, and euros. The payment is carried out at the end of the contribution, however, provides for the possibility of partial withdrawal of deposit, subject to maintaining a savings account minimum balance of 15,000 tenge, 100 USD, or 100 Euros. As additional bonus to this contribution, BTA provides the free payment card and provide the lottery cash prizes to its customers.
*Source: BTA bank’s official website
Deposit «Success Formula»could be opened in three currencies with the minimum amount of contribution is 15,000 KZT, 100 USD, or 100 Euro. Additional contributions are accepted in any time and the deposit term is 3, 6, 12, 18 and 24 months in tenge, U.S. dollars, and euros. The payment is carried out at the end of the contribution, however, provides for the possibility of partial withdrawal of deposit, subject to maintaining a savings account minimum balance of 15,000 tenge, 100 USD, or 100 Euros. As additional bonus to this contribution, BTA the lottery cash prizes to its customers.
*Source: BTA bank’s official website
Adding to this, BTA Bank has another version of deposit shown above: «Success Formula - Capital»with increased sum and terms of deposit and higher interest rates, however without any additional benefits like payment cards and lotteries. The minimum sum of deposit is 1000 USD or Euro or 150,000 KZT and the terms of deposit are 12, 18, 24, 36, 37 and 60 months.
*Source: BTA bank’s official website
«Children’s Multicurrency Deposit»is taken in 3 currencies; term of the deposit is fixed and equal to 5 years or 60 months. The maximum term of the deposit is governed by the condition the child reaches 18 years of age.
*Sourse: BTA bank’s official website
The «Pension» deposit could be opened in KZT, USD and EUR for a period of 3, 6, 12, 18 and 24 months. The peculiarity of the contribution lies in the fact that investors may make individuals over the age of 50 years, or a person under the age of 50 years, presenting the pension certificate. Interest rate on the deposit remains the same during the term of the deposit. Payment of earned interest is based on a monthly basis, every 30 days from the date of the contract of bank deposit. Ability to replenish the deposit shall be allowed provided the minimum amount of additional fee is 3000 tenge, 25 USD or 25 Euros, but the possibility of a partial withdrawal of contributions is also available within the minimum amount of deposit. As additional options BTA Bank provides the free Payment card and possibility to win some amount of money in Lotteries.
*Source: BTA bank’s official website
In addition to a variety of types of deposits, the BTA Bank has flexible pricing policy that focuses on the inflow of deposits with long-term storage, as well as carries out conversion of deposits.
Training staff to work with the deposits in this area in the BTA Bank is working to improve procedures for the technical training of personnel, personnel are tested once a quarter, held in-service training of staff to develop new software products and computer technology, a half-yearly evaluation of bids conducted "Best Controller-cashier", "Best Manager", etc., created by the director's fund for the promotion of workers' winners, and rising wages to individual employees, all of these measures is a manifestation of human resources policies; Improvement of banking technology in connection with the bank conducts intensified efforts to attract customers through a comprehensive and systematic maintenance, since the BTA Bank moved to the system of structural unit of a centralized database. The advantages of these technologies is the operational processing of information and the formation of all types of accounting and statistical reporting, the ability of customers of the bank deposit operations in any structural unit regardless of where the account opening, a centralized enrollment of non-cash income to the depositors' accounts. In 2003 began the introduction of electronic queue that will significantly improve service quality, increase the speed of transactions, including deposits. The advantage is the privacy provision of banking services, the operating window can be only one client. The main tool is the dispenser is equipped with six buttons, which are the main types of banking operations (one time deposit). Customer must select the operation and press, after which the device issues a card with the number of turns, while waiting for their turn for the customer in the room provided a comfortable chair. When you call the customer number is displayed on the display cards which specify the operating cash box to which you want to apply. Queue management, using advanced technology and an introduction to the structure of the cash settlement offices office managers, is the next step of the BTA Bank to achieve international standards work.
3. The main problems existing in the Bank. Problems faced by the banks to work with deposit operations. It can be external and internal.
The internal include:
The external problems are:
4. Analysis of potential to attract new customers to the Bank. To attract new customers in the BTA Bank conducted market research of deposit services, is working to create a brand new deposit products that can attract new customers, advertising policy is conducted. But it should be noted that in the BTA Bank is insufficient active advertising policy than successfully use the bank's main competitors, along with this, the BTA Bank has a strong position in deposit market thanks to its 80-year history. The bank has emerged as the leader thrift industry.
5. The formation of the deposit portfolio. In 2010, the Bank held a leading position in the banking sector of RK: 6. Analysis of financial results. Calculation of financial indicators must be performed on the basis of the bank's financial statements prepared in accordance with applicable at the time of reporting requirements in current prices. An important role for the bank's clients is the availability and transparency of financial information in connection with this BTA publish annual reports and balance in the press and places the financial information on its website. These publications allow customers to monitor the financial position of the bank, and provide the most reliable information about its activities.
Date: 2015-12-11; view: 1076
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