Penza, 3 December 2012. PenzaNews. Around one third of Express-Volga Bank clients, having paid one loan, apply for the next one. This was announced by the head of retail department of Express-Volga Bank in the Penza region Olga Shagatova.

According to her, this fact indicates the establishment of partnership and trust between clients and the financial institution.

“Our bank repeatedly improved loan conditions, with an emphasis on simplicity and ability of our employees to make decisions on loan granting as quickly as possible, thereby increasing the number of loyal customers,” Olga Shagatova pointed out.

She added that this winter Express-Volga Bank has a special offer — the customers will be able to obtain from five thousand to a million rubles without collateral and guarantors.

“It is important to know that when calculating the amount of loan the bank takes into account all the sources of the customer’s income, including the additional income and total family income. Loans can also be obtained by the pensioners under 70 years old both working, and just receiving pension at a special low interest rate,” the agency interlocutor explained.

Olga Shagatova also reminded that additional information and loan application are available at any office of the bank, 24-hour telephone line, and official web-site of the financial institution.

Express-Volga Bank is one of the largest financial institutions is Russia, which has been successfully working in domestic market for 18 years. Since 2004, it is a member of financial group “Life,” which unites seven major Russian banks. Overall, the group has over 600 offices in more than 75 regions of Russia.

On 2 November 2012, the national rating agency “Rus-Rating” confirmed the international credit rating of Express-Volga Bank at BB level with stable forecast.