Chatting with
the bank
- Which growth perspectives do you
see for the future?
-
Dmitry Leus: Going forward we intend to actively
develop a number of new financial products. One of them is a lending product
for small and medium-sized businesses which is in the launch stage now. For
historical reasons, we have a well-balanced mortgage loan portfolio we would
like to grow further should we be able to attract funding at comfortable rates.
In addition to cash loans, we would also like to grow credit card loan
solutions and plan market-entry strategies by October this year. Currently, we
are developing our own payment processor for credit cards and plan to integrate
it into the existing IT infrastructure.
-Dmitry Leus: Correct. The Bank invests
considerably into marketing - approximately RUB 8.5m per month. Hence, every
credit application the bank approves “amortizes” RUB 1000 in marketing costs.
As we lend massively in the Russian regions we used to advertise on Russia-1, a
TV channel with many regional variations, but we didn’t include Moscow and St.
Petersburg. When promoting credit cards we will also use TV as a medium, but we
shall mainly have recourse to the internet and social networks when promoting
credit card lending.
- Will there be changes on the Bank’s
internet site?
-
Dmitry Leus: Of course. For the moment, we only
sell loans via our internet site. The next step will be to accept deposits
on-line too. We also intend to link the Bank’s internet site to social networks
and provide on-line chat rooms with client managers. By the end of this year,
our customers will be able to communicate with their banker via Skype...
Oleg Potapov
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