The illiteracy of employees, incomprehensible requirements, demeanor and good manners leads to the zeroing of your bank's rating! Your hotline is a disaster!!! Your operators do not give any information, and therefore you have to spend your nerves and time a hundred times to understand what and why you need to open an account) I do not know who is in charge of all this mess, but believe me, except for a beautiful more or less interior, your bank is just zero!!!