We care for long-term and sustainable cooperation with our customers. We stay together at the time of success and when it is necessary to overcome the challenges or problems faced. We know that in order to overcome temporary difficulties the most important thing is mutual trust, openness and willingness to act jointly. Even in most difficult situations cooperation and seeking a solution with the Bank’s specialist helps avoid loan default consequences. Each credit institution is interested in maintaining the customer solvency, and the main goal is to ensure long-term financial stability and to maintain good borrowing history for the customer. We would like to note that the credit history of the customer has a direct influence on the credit terms and sometimes can reduce possibility of obtaining a credit in future.