In the context of the protocol about the intentions, which provides for concessionary credits for the company and its employees, JSC shipbuilding plant «Severnaya verf» transfers its salary project to close JSC «Baltiyskiy Bank». Since December this year the salary payment will be realized with the help of international plastic cards «Baltica» Visa Electron of Baltiyskiy bank.

Another advantage for the company is that manufacture, service of the cards, money remittances are done by Baltiyskiy bank for free. Moreover, the bank installs two cash dispensers on the plant territory.

REFERENCE:
Closed JSC «Baltiyskiy Bank» is one of the biggest credit organizations on the North-West of Russia (general license of Russian Federation Central Bank №128), that supplies body corporate and individuals.

With the help of international plastic card Visa Electron, that is actively used by Baltiyskiy bank in its salary project, one can not only receive the cash in the cash dispensers all over the world but also pay for good and services in retail outlets in Russia and abroad. The commission is not taken when paying for goods and services by the plastic card, and in a number of shops the owners of plastic cards can get a serious reduction. For instance, the owners of Baltiyskiy bank plastic cards get reductions or discount cards in the chain of supermarkets «Piterskoe», hi-fi stores «Alternativa sinitzy», the chain of bookshops «Snark», and have concessionary terms of insurance in the insurance company «Progress-Neva».

Simultaneously with the manufacture of international plastic card Visa Electron (3 years period of validity) Baltiyskiy bank also opens an account in Russian rubles for a client. The new edition of the card once the period of validity has elapsed is also free. Every months the interests are added on the account remainders.

Baltiyskiy bank has a developed infrastructure. On the September 1st 2005 cash dispenser chain of Baltiyskiy bank has about 216 cash dispensers in Saint Petersburg and Leningrad oblast. Receiving the money in a cash dispenser and checking the account remainders is done by the Baltiyskiy bank client for free. Apart from taking money in cash dispenser, one can also pay for the sevice of the main net operators like: Megafon, BeeLine, MTS and for the flat rent.

The organization employees, receiving the salary in Baltiyskiy bank, have an opportunity to get consumer credit on concessionary conditions, without pledges or guarantees in the context of a program «Personal credit» just foin 15 minutes, due to the fact the bank counts the maximum allowed sum of the credit in advance and informs about it through all dispensers (the information is printed on the cheque).