Considering the work with the customers as one of the priorities directions of ALTA-BANK ZAO, it tries to provide complex bank service  to our clients at high professional level. From year to year the Bank keeps fidelity to those principles which have been initially put in a basis of the customers policy:

• Flexibility in mutual relations with our clients;
  
• An individual approach to every customer .

The offered services are constantly developing and becoming wider. Analyzing specificity and features of the client’s financial activity  and their needs, the Bank develops individual schemes of optimization of the assets’ management with usage of various financial tools, realizes different schemes of repayment of debts, using bill calculations, assists in realization of financial and commercial projects of its clients, works out individual tariffs and special conditions of service, gives advises on a wide circle of accounting and legal questions.

Crediting is one of the major sources of profit formation in ALTA-BANK ZAO. In conditions of high riskiness of operations on the financial markets the effective credit policy supports profitability of financial activity on an optimum level, doesn’t allow to increase risks of active operations. Credit policy of ALTA-BANK ZAO is based on the reasonable conservatism.

Special attention is given to the constant control of current activity of the borrower and observance of crediting conditions not only before allocation but also during all time of action of the credit contract. ALTA-BANK ZAO consistently carries out credit policy directed on assistance in stabilization of the economy of Russia , improvement of financial position of the served companies and organizations, easing crisis of non-payment, support and development of business.

The Bank carries out the following credit operations:

·        Crediting of enterprises and organizations in rubles and foreign currency;

·        Giving out guarantees in rubles and foreign currency;

·        Factoring/forfeiting operations in foreign currency;

·        Crediting in the overdraft form (under settlement, current accounts);

·        Complex credit service of the enterprises including crediting in rubles and foreign currency, giving bank guarantees, avalisation of bills of foreign emitters.

ALTA-BANK ZAO offers active credit support to the enterprises of medium and small business, which fill the market with goods and services and create new workplaces.