Aynur Makhmudova: Azerbaijan’s Rabitabank - bank for customers (Interview) (PHOTO)

Aynur Makhmudova: Azerbaijan’s Rabitabank - bank for customers (Interview) (PHOTO)

Baku, Azerbaijan, Sept. 26

By Eldar Janashvili – Trend:

Head of the Personal Banking Services Division of Azerbaijan’s Rabitabank Aynur Makhmudova disclosed upcoming products, discount campaigns and the work with clients in an interview with Trend.

Which client services single out Rabitabank among other Azerbaijani banks?

- I would like to start with such an important factor as stability. Rabitabank was founded in 1993. The bank has never lost stability in the market for 26 years and still remains one of the most stable banks in the country. Everyone remembers the time when two devaluations occurred within one year. But despite the crisis in the banking system, Rabitabank did not lose its customers and survived.

As for client services, Rabitabank is distinguished from other banks by the high quality of service, as well as flexibility and efficiency in the customer service and the settlement of various problems.

Our services are easy and affordable. We have recently launched the updated versions of internet banking and mobile applications in which clients from any gadget can perform most of the operations. For individuals, there is the only internet bot among the Azerbaijani banks in Telegram and Facebook Messenger. By adding it to your contacts, you can perform completely different operations on accounts without contacting the bank, for example, transfer money to a friend in one click, order a card or take a loan.

Rabitabank is also distinguished by an individual approach to legal entities - customers of the bank during conversion and money transfers. A client can always ask for a concession, which will necessarily be considered by the bank.

Moreover, we have very favorable conditions for the payroll projects. The main feature of the bank is that when withdrawing the cash from a payroll card at any Rabitabank’s ATMs, the commission is zero percent.

Rabitabank is characterized by favorable loan terms with a low interest rate and quick processing. In particular, it is enough to have an identity card to get a consumer loan.

So, does this mean that it is easy enough to get a loan in your bank?

- A loan can be taken online, through the aforementioned bot or mobile application, as well as through the bank’s website. After a short period of time, the client will be contacted and given the date when to go to the bank and get the money. All documentation is done very promptly. Loans for small amounts can be obtained within 40 minutes. This is also conditioned by improved system capabilities of automation, when the operator only needs to fill in the blank.

What projects are planned at Rabitabank before the end of the year?

- One of the most important projects at the moment is the restyling of our bank. Soon customers will see the new image of Rabitabank. In particular, this concerns the optimization of service, communication and product line. The list of major projects also includes the issue of new Kartmane cards based on VISA and MasterCard payment systems (VISA Infinity, VISA Reward, MasterCard World and World MasterCard Black Edition).

This year marks 10 years of Kartmane, which has become recognizable and popular among customers. How well did this project prove itself?

- Kartmane is a brand of Rabitabank that combines the functions of a payment card and a deposit. The product has fully proved itself. If you look at the sales statistics of this card, it is growing rapidly. It is expected that with the launch of a new project, sales growth will increase significantly.

- Which of the important complaints of clients did Rabitabank successfully satisfy?

After customer complaints about queuing violations and servicing without queues, electronic queue devices were installed at all points. The queues themselves have also been reduced, thanks to improved software and the transition to full automation of client operations. For the convenience of customers, each of them after the service is provided with information about the benefits of internet banking and mobile applications.

Operators are equipped with mobile phones to quickly respond to customer complaints, as well as for an individual approach to them. Also, at the request of customers, we opened a 24-hour branch on Bul-Bul Avenue, where you can even get a loan until ten o’clock in the evening.

- What are the requirements for operators, as for personnel, directly in contact with customers?

Focus on customers and professional attitude. The operator must perfectly know the products that the bank provides in order to be able to provide information to a client at any moment, and he or she must be not only an operator, but also an adviser.

- How much has the customer base increased recently?

From the beginning of 2018 to September this year, customer base of the bank increased by 70,000 people, and the total number of our customers is 295,000 people. That is, over a year and a half, the growth of Rabitabank’s customer base amounted to about 30 percent.

- How do foreign clients evaluate your services and do they place deposits in your bank?

Positively. Among them are not only cardholders or payroll clients, but also depositors, for many years trusting their funds to the bank and renewing them from year to year.

- How often does the bank announce discount and other campaigns and what is the bank focused on?

The emergence of new customers is a matter of interest for any bank. Almost every season we have discounts, their preliminary preparation takes a lot of time, a thorough market review is carried out. So far, all of the bank’s campaigns have been successful and profitable. We adhere to creativity in advertising, and we strive to offer favorable conditions for customers.

For example, a discount campaign for consumer loans at 18 percent continues inour bank. One of its advantages is that when making an application online, the client is exempted from paying a commission fee for obtaining a loan. The New Year is coming and, most likely, the bank will again please its customers with profitable campaigns.

- Thank you very much for the interview!

- Thank you!

Coronavirus vaccine could be available in 90 days - Israeli scientists
Coronavirus vaccine could be available in 90 days - Israeli scientists
Israeli returning from Italy diagnosed with coronavirus
Israeli returning from Italy diagnosed with coronavirus
El Al suspends flights to Italy and Thailand
El Al suspends flights to Italy and Thailand
Loading Bars
Latest
Pompeo will take part in signing of US peace deal with Taliban - Trump
Iran rejects BBC Persian report of at least 210 coronavirus deaths
Coronavirus vaccine could be available in 90 days - Israeli scientists
Protesters start fire near Paris Gare De Lyon railway station
Report on occupation of Nagorno-Karabakh circulated as official UN document
15 killed, over 30 injured after train hits bus in southern Pakistan
Over 4,000 Azerbaijanis already expelled from Armenia before 1988 Sumgayit events - historian
Alessandra Todde: Purpose of Italy-Azerbaijan co-op - to strengthen activities in energy sector
Some Azerbaijani citizens still visit Iran despite warnings
ICRC reps once again visit Azerbaijani hostages
Iranian parliament suspends activity
Azerbaijani energy minister talks completion of last project within SGC
Nationwide school closure in Iran extended due to coronavirus spread
Turkmenistan to introduce e-document management system by 2021
Southern Gas Corridor at completion stage - Klaus-Dieter Borchardt
Uzbekistan plans to sell shares of some large enterprises
Azerbaijan's Faydali looking to expand manufactured goods range
People arriving in Azerbaijan checked in two stages - Coronavirus headquarters
Use of financial technologies increasing in Azerbaijan
Three quarantine zones created in Azerbaijan due to coronavirus threat
Azercell - proud partner of National Olympic Committee, National Olympic Team (PHOTO)
TRACECA reviews plans on modernization of transport, logistics infrastructure
Аnkara may close Turkish gulfs to Russian ships – media
Witness of events: Armenians beat and insulted Azerbaijanis even before Sumgayit events
Global oil & gas industry deals down in value
State Oil Fund of Azerbaijan talks currency distribution of investment portfolio
Presenting one of highest papal awards to First VP Mehriban Aliyeva is victory of Azerbaijani multiculturalism: Russian MP
UAE interested in developing Turkmenistan’s biggest gas field
Georgia suspends freight transportation to Italy and Iran amid coronavirus outbreak
Cargo transshipment volume via Turkish Karabiga port revealed
Volume of diesel fuel transshipment via Turkish ports disclosed
Coronavirus hotline created in Azerbaijan
Money supply in Azerbaijan increases
Gaffney, Cline & Associates analyzes new geophysical data in Turkmen part of Caspian Sea
Bulgaria approves draft labor migration agreement with Turkmenistan
Kazakh president says current coronavirus situation 'alarming'
Georgia’s Kutaisi International Airport to increase number of passengers
Turkmen deputy prime minister expected to to visit Qatar
Official talks about possible quarantine of entire Iranian cities due to coronavirus
Member of Tehran City Council: up to 15,000 people might be infected with coronavirus in Iran
Iran sees little success battling coronavirus; disease continues to spread
Coronavirus outbreak 'getting bigger' after Nigeria case - WHO
Executive director talks on expansion prospects of Interconnector Greece-Bulgaria
CNPC investments value in Turkmenistan's Bagtyyarlyk contract area revealed
IGB’s Commercial Operation Date announced
More Georgian villages to enjoy special financial benefits
Kazakh KazMunayGas subsidiaries sign various agreement to substitute import
Uzbek-Korean JV announces tender for supply of butene
EBRD to finance construction, reconstruction of Uzbek roads
OPEC leaning towards larger oil cuts as virus hits prices, demand
14-year-old Azerbaijani chess player wins Aeroflot Open 2020 International Festival in Moscow
Volume of cargo transshipped via Turkish Port of Gulluk revealed
Volume of cargo transshipped via Turkish ports by Moroccan vessels in January disclosed
Volume of bentonite transshipment via Turkish ports disclosed
Turkish ministry on amount of aviation fuel transported via Turkey's ports
Turkey sees growth in number of tourists from Kazakhstan
Uzbek-Indian seed-growing enterprise to be established in Uzbekistan
Elmar Gasimov meets with Rector of Istanbul Technical University (PHOTO)
U.S. asks its military in Saudi Arabia to avoid crowded venues as coronavirus spreads in neighboring countries
Turkey - Azerbaijan trade turnover increases
Geneva car show canceled due to corona woes
BSTDB transfers funds to SOCAR AQS for purchasing production equipment
Turkey discloses cargo transshipment via Port of Samsun
Uzbekistan's Ministry of Energy talks co-op with foreign companies
Volume of phosphoric acid transshipment via Turkish ports in January 2020 revealed
Putin, Erdogan discuss Syria’s Idlib over the phone
Aramco secures unconditional EU okay for $69 billion SABIC deal
Volume of cargo transshipped from Spain via Turkish ports revealed
Implementing Kars-Igdir-Nakhchivan railway project to raise Azerbaijan’s export potential
Volumes of cargo transshipment via Turkish port of Bandirma revealed
Iran to facilitate export of goods via Khorasan Razavi borders
Volume of cargo transshipped from Lithuania through Turkish ports publicized
Turkey discloses volumes of benzene transhipment through its ports in Jan. 2020
Effect of large-scale reforms on energy sector of Uzbekistan
Number of vehicles in Turkey significantly increases
Second case of coronavirus confirmed in Georgia
Operational Headquarters records 1st coronavirus infection case in Azerbaijan
Coronavirus death toll in Iran rises to 34
Deadline for construction wrap up in Baku's New Gunashli settlement disclosed
Uzbekistan, US Interpol discuss creating channel for direct information exchange
Turkey's foreign trade turnover increases
Microsoft Azerbaijan talks about plans, prospects for ICT development
Georgian economy up in January
President Ilham Aliyev offers condolences to Turkish counterpart
Number of Azerbaijani startups operating in Silicon Valley revealed
Transport corridors to allow Azerbaijan meet needs of emerging hydrocarbon markets
IAP's funding by European Commission under specific programs could be explored
SOFAZ unveils budget revenues, expenditures
Microsoft Azerbaijan GM talks Windows OS vulnerabilities in Azerbaijan
Eni sees decline in natural gas sales
Eni boosts oil and natural gas production
Kazakh-Chinese oil and gas company opens tender for equipment maintenance
Volumes of fuel oil transshipment via Turkish ports revealed
Kazakhstan significantly increases export of goods to Turkmenistan
Turkey to supply modern weapons and military equipment to Azerbaijan
Natia Turnava: Close Georgian-Azerbaijani relations contribute to development of joint projects
EasyJet to cancel flights as coronavirus hits demand
Number with coronavirus rises to 45 in Kuwait as two more cases detected
EU sees risk of slide into major international conflict in Idlib
NATO envoys to meet to discuss Syria at Turkey's request
All news