Services

Payroll service

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Up to 2 days
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Registration without visiting the office
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No fees for the company
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Personal manager for the payroll accountant
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Free card issuance and service
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500+ offices in Moscow and regions
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Free cash withdrawal from any bank’s ATM
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8,000+ cities with the possibility of bank card delivery
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Free courier delivery of a bank card personally to a company employee
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Personal manager to advise employees on any questions

Opening a corporate account

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Up to 2 days
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Minimum number of documents
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High-tech Online Banking service with 24/7 access
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Foreign currency payments (CNY)
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Personal manager
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Best conversion rate
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Personal currency control officer
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Real-time consultations

Risk management

Bank guarantees (RUB/CNY/USD/EUR)

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All types of guarantees (tax, contract, lease, payment, customs, Federal Laws 44/223 etc.)
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A convenient modern online platform with extensive functionality, one of the best on the market
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Variable approach to taking credit risk: classical analysis, express guarantees, electronic bank guarantees

Letter of credit (RUB/CNY/USD/EUR)

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Domestic and international
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100% payment for delivery/service/buy and sell transaction provided that the terms of the LC are fulfilled

Factoring (RUB/CNY)

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Sale of receivables — 100% payment immediately upon shipment (no need to wait for the deferral expiry)
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Receivables insurance (the bank guarantees payment for the buyer in case of delay)

FX and hedging

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Currency conversion at the best rates in T0, T+1, T+2 modes with minimal spreads
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The possibility to place buy/sell currency orders at the desired rate
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A wide range of derivative instruments for hedging currency risks (currency forward, swap, option the best terms on the market)
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Hedging interest risk on loans with floating interest rates

Financing

Discounting letter of credit (RUB/CNY)

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Reduction of accounts receivable
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Extension of deferment for the Buyer
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Receipt of money by the Supplier immediately after shipment (no need to wait for the deferral expiry)
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Financing upon application (no agreement signing with the Bank required)
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Not a loan debt (does not affect the company’s debt burden)

Factoring (RUB/CNY)

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Sale of receivables  — 100% payment immediately upon shipment (no need to wait for the deferral expiry)
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Pre-shipment financing — 100% payment for future shipment
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Reverse factoring — working capital financing for payments to suppliers/counterparties (not a loan)

Digital financial assets (RUB)

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A quick way to raise short-term financing at an attractive rate
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Diversification of funding sources

Lending (RUB/CNY)

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All types of classic lending (revolving credit facility/nonrevolving credit facility/overdraft)
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Refinancing (with the interest discount option — interest rate swap)
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All types of preferential financing (the rate is partially compensated by the Government of the Russian Federation)
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Lending with EXIAR insurance
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Investment financing

Liquidity placement

Deposits/interest accrual on balance/digital financial assets (investment in DFA of reliable issuers)

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Higher profitability
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Flexible online instruments
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E-document flow
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RUB/CNY

Contact us

For corporate clients willing to develop business in Russia, please feel free to contact us via

chinacorpservices@alfabank.ru

(Chinese, English, Russian languages are available for communication)

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