Safeguarding the interests of customers underlies the success of any commercial organization.
Expressbank’s priority is to build long-term trust-based relations with customers by offering high-quality services and providing a wide range of banking services and products to both private and corporate clients. Expressbank is sincerely interested in offering individual financial solutions to its customers and is focused on improving financial literacy. The Bank has the ambition to fully meet the needs of customers and improve their welfare.
The professional and motivated team of employees is strongly committed to improving the quality, speed and comfort of services, striving to build up as transparent relations with a customer as possible. Expressbank offers the wide range of services: disbursement of business and consumer loans, bank cards services, urgent money transfers, opening deposit accounts and other services. Campaigns and promos held on a periodic basis create even more favorable conditions for customers. The Temenos T24 system, which has been tested by the world’s largest banks for years and used at Expressbank since 2012, has justified itself as the most efficient and perfect platform for conducting banking operations. This year the Bank switched to the new version of this software, which enables even more automated banking operations. The other advantages of “T24” include minimization of the human factor in the work process, as well as the possibility of 3-level authorization. The latest version of the software has made banking operations even more safe and efficient.
Different projects are being put in place to optimize the business processes. Opening the position of a service manager was one of them. A service manager shall not only meet customers, but also save their time, redirecting them to an appropriate specialist. The “Universal Employee” project has notably contributed to improving the quality and speed of services. It resulted in the improved skills of employees for performing both credit and cash settlement operations.
Due to the constant development and stable financial indicators Expressbank holds one of the leading positions in the banking sector of the country. Fitch Ratings, the international credit rating agency, has rated Expressbank “B”, Outlook Stable, which is one of the highest indicators among the local banks.
In 2017, the total assets of Expressbank comprised 354 million manats, and total capital amounted to 144 million manats. The Bank ended the year 2017 with the net profit at 2 million 26 thousand manats.
Expressbank is a principal member of the MasterCard International and Visa International international payment systems, as well as a member of the international inter-bank payment system SWIFT. Besides, Expressbank is actively expanding cooperation with banks, foundations and other financial institutes all over the world.
The Bank’s service network includes 10 branches in Baku, 6 more branches in the cities of Sumgayit, Ganja, Mingachevir, Barda, Gusar, Khachmaz and Shirvan. In addition to the branches, there are 80 automatic cash terminals, 3,000 POS-terminals and over 700 ExpressPay terminals operating all over the country.
