Yaroslavl Happy New Year

Sergey Talov, the manager of the Yaroslavl branch of FORA-BANK, spoke about the achievements of the branch to the new year 2017, about the bank’s social projects and cooperation with the City Fund for Assistance to the Development of Yaroslavl.

– With what results does FORA-BANK (JSC) end 2016?

– 2016 was another good year for the bank. Our loan portfolio has grown by 35% – while FORA-BANK (JSC) provided lending to both organizations and individuals. JSCB FORA-BANK is actively developing trade acquiring and settlement and cash services for legal entities and individual entrepreneurs in the Yaroslavl and Ivanovo regions. The total volume of deposits of the Yaroslavl branch in 2016 increased by 21%, the number of remittances increased five times over five years – this result testifies to the balance of the offered product line and the confidence of depositors in the bank.

– What are the advantages of FORA-BANK (JSC) and how is it attractive to customers today?

– One of our main advantages is an individual approach to the client. If the majority of banks work according to clearly defined banking programs, FORA-BANK can adjust its programs for the client, having carefully studied his needs. The second advantage is the openness of the bank. We are ready to meet with the client and advise him at any level – even at the level of a branch manager. And, of course, versatility has always been our advantage. We have never specialized in any one area, but we develop a variety of products: mortgage programs, deposits, complex settlement and cash services for legal entities, commercial and consumer lending, we carry out money transfers, issue bank cards, and provide safe boxes. And this is only a part of the directions in which we are working and are going to work in the future.

– How many offices does the Yaroslavl branch of FORA-BANK (JSC) have and does the branch plan to develop a network of points of sale?

– In 2016, we expanded our branch network by 14 divisions, opening new offices in Moscow, Rostov-on-Don, Perm, Krasnodar, Saransk, Nizhny Novgorod, Armavir. The Yaroslavl branch has 7 offices, 5 of which are located in Yaroslavl, 1 in Rybinsk and 1 in Ivanovo. We plan to grow – in January 2017 we will open another point of sale in Rybinsk. The main direction of the branch of FORA-BANK (JSC) is the development of its presence in the regions adjacent to the Yaroslavl region – in Ivanovo, Kostroma, possibly in Vologda.

– Recently, more and more often you can hear the phrase “social programs of banks” – what exactly stands behind it?

– The Yaroslavl branch of FORA-BANK (JSC) in its activities traditionally adheres to the principles of social responsibility of business, supports socially significant programs of the city, taking an active part in them. The Bank’s branch in Yaroslavl pays special attention to the implementation of projects in three areas of social responsibility: helping children in difficult life situations, helping the elderly, as well as developing the financial literacy of Yaroslavl residents.

– How exactly does FORA-BANK (JSC) participate in the life of the city and its citizens?

– JSCB FORA-BANK (JSC) actively participates in the development of urban areas, financially supports the organization of events and sports competitions in the Yaroslavl region. As part of cooperation with the City Fund for Assistance to the Development of Yaroslavl, the bank took part in the New Year’s decoration of Sovetskaya Square. A skating rink will open here, a hockey tournament, master classes in figure skating and short track speed skating will be held. On December 28, 2016, the first New Year’s regional fair opens. Carousels, light installations, selfie figures will appear on the square, and festive programs for children and adults will be held. Come – it will be interesting.

– What wishes do you address to your clients and all residents of Yaroslavl on the eve of the New Year?

– I wish the next year to be a year of fruitful work, financially calm. I wish stability, peace and goodness to every Yaroslavl family. Be healthy and happy!

Yaroslavl, Kotoroslnaya embankment, 55.

Tel. (4852) 20-60-50, www.forabank.ru

JSCB FORA-BANK (JSC) OGRN 1027739553764. General license of the Central Bank of the Russian Federation for banking operations No. 1885 dated 03.12.2014.

LLC “Incomed Shop Medtekhnika” is a dynamically developing company selling medical equipment, medical and laboratory furniture, consumables, dental equipment and materials without intermediaries from manufacturers.

For several years of work in the market of medical equipment in Yaroslavl, the trust of a large number of regular customers has been won, who fruitfully cooperate and recommend the company to colleagues.

We work on prepayment and with a deferred payment, cash and non-cash forms of payment are possible.

In “Incomed Shop Medtekhnika” LLC there is a flexible system of discounts. A number of additional factors also have a beneficial effect on cooperation with the company:

– the office and the warehouse are located on the same territory, therefore, the provision of complex services is carried out in one place in order to save the client’s money and time;

– reservation of goods after payment;

– delivery of goods is carried out as soon as possible;

– delivery within the city is free.

LLC “Incomed Magazin Medtekhnika” also has retail stores in Yaroslavl, located at 52 Lenina Avenue and 39 October Avenue, where a wide range of goods for health and comfort is presented. We are pleased to offer individual working conditions, taking into account the wishes and specifics of each client.

“Incomed store Medtekhnika”

Tel./fax: (4852) 73-74-77, 745-945

Yaroslavl, Prospect October, 39

inkomed_yar@mail.ru

http://www.inkomed-yar.com

Korean and Japanese cosmetics are gaining more and more popularity among residents of European countries. The secret of its effectiveness is the composition, which includes natural ingredients and special ingredients, information about which has been preserved thanks to ancient recipes. In addition, Korean and Japanese cosmetics successfully combine centuries-old traditions and the latest achievements of the cosmetic industry.

Despite the growing popularity, cosmetics from South Korea and Japan are still exotic in Russia. Finding it in hypermarkets or regular beauty stores is not easy, and the choice is limited.

We invite you to visit our specialty store “PanMun”, which offers a wide range of Korean and Japanese cosmetics.

All goods presented in the store are purchased from official distributors, which guarantees quality.

Many lines of Korean cosmetics are classified as medicinal. For example, Atopalm and Zeroid. They are especially effective for dermatitis, psoriasis and other dermatological diseases, and are suitable for dry and problem skin.

Secret Key products contain snail mucus. It is this component that helps to effectively fight the aging process of the skin, activates the process of its regeneration, which allows the use of cosmetics, including for the treatment of burns and scars. Also, Secret Key cosmetics will be a real boon for people suffering from acne and skin pigmentation.

The SYN-AKE series contains synthetic snake venom. The ingredient works as a neuromuscular relaxant, prevents the absorption of sodium ions in the muscles and keeps them relaxed. Regular use of cosmetics from the SYN-AKE series is a good alternative to botox.

It’s no secret that in addition to perfect skin, Asians are famous for their luxurious strong hair. In the PanMun store you will find shampoos, lotions, masks that are suitable for your hair type.

Household chemicals from Korean and Japanese manufacturers deserve special attention. Dishwashing detergents, laundry detergents, surface cleaning gels and toothpastes are virtually chemical-free. The detergents in these products are mainly of vegetable origin. If we talk about washing powders, then they, as a rule, are concentrates, which means they are economical to use. Dishwashing detergents made in South Korea and Japan do not leave a film on the dishes. Household chemicals from South Korea and Japan have long settled on the shelves of many housewives who care about the health of their families.

The PanMun store also presents decorative cosmetics of famous Korean and Japanese brands, bijouterie, Korean teas and food replacements, cosmetic devices and apparatus. One of them is Darsonval, popular in recent years. Darsonvalization is a method of physiotherapeutic action on the surface tissues and mucous membranes of the human body with high-frequency impulse points. In cosmetology, Darsonval is used to improve the condition of the skin, prevent the appearance of wrinkles.

Shop “PanMun” offers its customers a flexible system of discounts. So, for a one-time purchase in the amount of 2500 rubles or more, the discount will be 5%, from 4000 rubles – 10%. You can also purchase a gift certificate from the PanMun store, which will surely become a pleasant surprise for your family and friends.

Do you want to stay young and beautiful for many years? Hurry to PANMUN!

PANMUN SHOP

Yaroslavl, Tolbukhina Ave., 31

Phone (4852) 700-961

Working hours: Mon. – Fri. 10.00–20.00, Sat, Sun 10.00-18.00