About the Bank

Join Stock Company Commercial Bank "Sinergia" is a regional Bank of the Saratov Area. Sinergia Bank, JSC has been found in Saratov in 1994. The Bank offers a full-range of  the Bank operations improving its Clients’ service level constantly.

The most attention of the Bank is paid to its economic stability, reliability and solvency. These are main conditions of the high quality service.

The Bank follows accurately all economic norms set by the Central Bank of the Russian Federation. 

Main Principles

The background principle of the Sinergia Bank has been and is being its longing to become a Bank comfortable for the Client.

Corporate bodies servicing is the priority direction of the Bank activity. The service conditions and flexibility of the approach are intended for all categories of the companies.

The Consumers of the retail Bank services are different Clients, representatives of the most different social groups.

It’s very important that the Client applied the Bank has a possibility to choose a variant the most appropriate for itself. In any case - whether it’s a money transfer, or the question is a corporate financing – the only purpose is to provide full-range services claimed by the Client. Suitable open hours of the subdivisions, services rates, skilled and friendly personnel are very important herewith.

Development Strategy

  1. Increasing of competitiveness of the Bank on the market of the Bank services;
  2. Introduction of a new ideology of work with the Client, based on a combination of standard technologies with an individual approach to each Client, searching for efficient methods of work with the Clients and increasing quality of their servicing;
  3. Development of the corporative business;
  4. Introduction of a full functional risk management system;
  5. Intensification of the control on performing the requirements of the Federal Law: About resistance to legalization (washing up) incomes got by a criminal way and to financing terrorism;
  6. Expansion of the network of the structure subdivisions and affiliated offices;
  7. Using and introduction of progressive Bank technologies, increasing safety of information systems.

It is necessary to note that the success of Sinergia Bank, JSC is mostly connected with high professional level of the Bank experts and with the trust from its Clients. The trust in the Bank business is a priceless capital, which the Bank cherishes trying to intensify and multiply it.

The Bank Philosophy

Striving for maximal openness, the Bank considers important to promulgate and keep strictly in its activity the following principles of the corporative politics:

  • The Bank strives for high standards in servicing the Clients, protects interests of each Client
  • The Bank follows the laws, ethical norms and rules of honorable doing the business, meets certainly all its obligations and cherishes its reputation.
  • The Bank follows the principle of neutrality in respect of financial-industrial groups, political parties and associations and realizes its activity in the interests of its Depositors, Clients and Shareholders.
  • The Bank develops new operations and directions, professing the principle of reasonable conservatism.
  • The Bank honors the old traditions of the Russian enterprising, promotes their revival.

Background

Sinergia Bank, JSC has been found in Saratov.

Full Name: Joint-Stock Company Commercial Bank "Sinergia"

Short Name: Sinergia Bank, JSC

Registered by the Central Bank of the Russian Federation on June, 10, 1994 under No. 2884.

Full Licenses for banking business of the Central Bank of the Russian Federation No.2884 dd 20.02.2015.

License of the Central Bank of the Russian Federation No.2884 dd 20.02.2015 on precious metals operations.

The member of the Western Union International Payment System.

The member of the Currency Section Moscow Interbank Currency Exchange

The member of the CONTACT International Payment System.

Affiliated member of MasterCard Worldwide

The own electronic management system CLIENT-BANK has been developed.

The Charter capital of Sinergia Bank, JSC makes 410 056 500 Rub.

On January, 14, 2005 Sinergia Bank, JSC has been included in the Registers of the Banks-participants of the Obligatory Insurance System under the No.435.

Control Body:

Saratov region branch of Volga-Vyatka Head department of the Central Bank of the Russian Federation

BSC 046311001

Address: 2, Sovetskaya Str., 410029 Saratov +7 8452 278810,742218

External auditor:

Fincredaudit Ltd

Mission

The Mission of the Bank is to be a reputable and successful universal financial institute, which strives for leading positions on the local market, following high standards of rendering the Bank services and the principles of the corporative ethics.

Striving for maximal openness, the Bank considers important to promulgate and strictly keep in its activity the following principles of the corporative politics:

Financial reporting

Published Reporting: Date of publ.:  
Auditor's report 2017    
Reporting QIV 2017    
Reporting QIII 2017 12.10.2017 download
Reporting QII 2017 11.07.2017 download
Reporting QI 2017 19.04.2017 download
Reporting QIV 2016 31.03.2017 download
Reporting QIII 2016 24.10.2016 download
Reporting QII 2016 13.07.2016 download
Reporting QI 2016 17.05.2016 download
Auditor's report 2015 06.05.2016 download
Reporting QIV 2015 06.05.2016 download
Reporting QIII 2015 21.10.2015 download
Reporting QII 2015 28.07.2015 download
Reporting QI 2015 22.04.2015 download
Auditor's report 2013 11.06.2015 download
Reporting QIV 2014 11.06.2015 download
Reporting QIII 2014 13.10.2014 download
Reporting QII 2014 14.07.2014 download
Reporting QI 2014 24.04.2014 download
Reporting QIV 2013 17.06.2014 download
Auditor's report 2013 17.06.2014 download
Reporting QIII 2013    download
Reporting QII 2013   download
Reporting QI 2013   download
Reporting QIV 2012   download
Auditor's report 2012   download
Reporting QIII 2012   download
Reporting QII 2012   download
Reporting QI 2012   download
Reporting QIV 2011   download
Auditor's report 2011   download
Reporting QIII 2011   download
Reporting QII 2011   download
Reporting QI 2011   download
Reporting QIV 2010   download
Auditor's report 2011   download
Reporting QIII 2010   download
Reporting QII 2010   download
Reporting QI 2010   download
Reporting QIV 2009   download
Reporting QIII 2009   download
Reporting QII 2009   download
Reporting QI 2009   download

 

Reporting IFRS: Date of publ.:  
Reporting IFRS 2015 30.05.2016 download
Reporting IFRS 2014 29.06.2015 download
Reporting IFRS 2013 17.06.2014 download
Reporting IFRS 2012   download
Reporting IFRS 2011   download
Reporting IFRS 2010    download
Reporting IFRS 2009   download

 

Independent auditor's report: Date of publ.:  
Auditor's report 2015 30.05.2016 download
Auditor's report 2014 29.06.2015 download
Auditor's report 2013 17.06.2014 download
Auditor's report 2012   download
Auditor's report 2011   download
Auditor's report 2010   download
Auditor's report 2009   download

 

Normative documents

Effective normative documents:

The Charter of Sinergia Bank, JSC download
Regulations about the Shareholders General Meeting of Sinergia Bank, JSC download
Regulations about the Board of Directors of Sinergia Bank, JSC download
Regulations about the Management of Sinergia Bank, JSC download

 Old normative documents:

The Charter of Sinergia Bank, OJSC download
Amendment to Charter N1 download
Amendment to Charter N2 download
Amendment to Charter N3 download
Amendment to Charter N4 download
Amendment to Charter N5 download

 

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