Lending to small and medium-sized enterprises (SMEs) is one of the paramount tasks of the nationwide importance and one of the priority tasks for Russian Agricultural Bank.
Russian Agricultural Bank offers loans to farmers, individual entrepreneurs, agricultural credit and consumer cooperatives, and to other kinds of small and medium enterprises.
The Bank offers loans for business development and business expansion, equipment and machinery purchase, mortgage loans, working capital replenishment.
Loans to SMEs are extended directly to SMEs or to credit consumer cooperatives with the purpose of their further allocation to small enterprises and to personal household plots owners.
Russian Agricultural Bank is an expert in lending to small businesses in rural areas. The Bank offers a wide range of products and services with both standard and preferential terms.
Loans for the current operations are extended for the current needs of the clients like purchase of fodder, fertilizes, payment for insurance premium.
Loans for investment purposes are granted for financing of expenses on building, reconstruction and modernization of production, purchase of transport, equipment, agricultural animals, introduction of new technologies to different agribusiness sectors. The loans are extended in the form of:
Borrowers are eligible for the partial interest repayment in the form of subsidies in accordance to the Government Decree No90 dated 04.02.2009.
Agricultural consumer cooperative is an organization established by agricultural producers and/or personal household plots owners build upon optional membership for joint business activity, based on alliance of the material equity contributions and with the purpose to satisfy material and other requirements of the cooperative members.
Agricultural consumer cooperatives fulfill the following tasks:
Agricultural credit consumer cooperatives fulfill the following tasks:
Towards the above listed tasks Russian Agricultural Bank provides lending to agricultural credit consumer cooperatives and to agricultural consumer cooperatives of first and second levels, both operating and newly established.
At that both agricultural credit consumer cooperatives and agricultural consumer cooperatives offer a wide range of credit products stipulating standard and favorable lending conditions, among which the borrower can find the most suitable.
Agricultural consumer cooperatives who borrowed funds from the Bank and those members of agricultural credit consumer cooperatives, who have received a loan from the cooperative, are eligible for the partial interest repayment in the form of subsidies in accordance to the Government Decree No90 dated 04.02.2009.
Russian Agricultural Bank offers a wide range of settlement and cash services for corporate customers and individual entrepreneurs.
In the Bank a client can open bank settlement account in Russian Rubles and in foreign currency; bank account of a layer who have founded a legal office, court-appointed manager, notary officer in Russian Rubles; special account of the borrower in Russian Rubles; special account opened for the paying agent (subagent) in Russian Rubles; special account of the vendor in Russian Rubles; special brokerage account in Russian Rubles; special account for the housing and utility enterprises in Russian Rubles.
The Bank’s specialists are consulting clients with respect to all of the Bank’s products and services. The settlement and cash services are client oriented and the Bank constantly develops system of distant banking services.
Russian Agricultural Bank offers corporate customers payroll program under which monetary funds are transferred to the Bank, and then RusAg allocates wages to the employees of the company. This allows the company to:
The Bank offers a broad set of deposits for corporate customers and individual entrepreneurs, for placement of temporarily disposable monetary resources.
Asset management companies of non-state pension funds are offered to open term deposits in the Bank.
Russian Agricultural Bank offers deposits with flexible terms, competitive interest rates and with possibility to choose interest repayment period – monthly, quarterly or annually.
State support for SMEs envisages:
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