• Cash and payment service
• The package of free services for foreign trade participants
• Credit services
  • Simple term loans
  • Credit lines
  • Overdraft loans
  • Provision of bank guarantees
• Term deposits
• Managed fund investments
• Payroll solutions
• Trade acquiring
• Nongovernment retirement services
• Fees and charges

Credit services

The credit policy of the Bank is based on the core principle of establishing of a long-term partnership relations with every customer and stipulates an optimal combination of standard and individual services and products. The Bank reacts promptly to the changes of customers’ demand at financing their current transactions and adequately responds their needs.

Carrying out the Programme of small and medium size enterprises financial support the Bank «EVROPEISKY» offers credit services for small and medium size enterprises at the expense of special-purpose resources of «Russian development bank» Ltd.

• regular term loans;
• lines of credit;
• overdraft;
• bank guarantees;
• loans and credit terms within the Programme of small and medium size enterprises financial support are listed on the official site of «Russian development bank» Ltd.

The credit facilities in rubles and foreign currency are available for legal entities and individual entrepreneurs, not being a legal entity. Choosing a loan is a co-decision of the Bank and the Client according to the nature of client’s activity and purpose of borrowings. Taking into account the customer’s needs both short-term (up to 1 year) and long-term (from 1 to 3 years) credits are available.

• mortgage, client’s fixed assets, inventory;
• liquid capital issues;
• guarantees (bails) of trustworthy banks or solvent enterprises;
• debt liability of Borrower’s contractors and other assets.

The security amount is to cover the accumulated principal, interest due to the Bank.

Serving the clients the Bank keeps to the individual approach, that allows to reduce customer’s transaction and service expenses of the credit deal. Thereby interest rates on credit are calculated on the basis of:

• loan turnover volume on a Borrower’s settlement account in the bank;
• credit period;
• the volume of financial services (bank products), used by client in the bank;
• security liquidity;
• resources cost in the financial market.

• the company has a business experience of minimum 1 year;
• use by client of accounts opened in the JSC ICB “Evropeisky” for payment operations;
• no loss on the last accounting period;
• no overdue arrears towards government-financed and government non-budget funds;
• no current overdue arrears of credit products towards Bank (accumulated principal, interest, penalty charges and commissions);
• no current File № 2 to Client’s master account in the Bank and other current boundary conditions to the Client’s accounts in the Bank — blocked or attached account;
• provision of liquid security by client.