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One of the largest Russian banks - Mezhprombank, previously noticed in an effort to deal with public service people, began expanding the market of private banking services. And has already invested in its retail project - «Mezhprombank Plus» - 50 million euro. In order to transform the bank into one of the most visible players in the market, its shareholders are prepared to spend another 200 million dollars. How much will these funds, says the chairman of the board of directors «Mezhprombanka Plus» Natalia SAMKOVA.

What is your strategy for the development of retail business?

Our development program includes three phases. First - Technical - translation of the retail business of International Industrial Bank «Mezhprombank Plus» (we now have about 500 million of deposits and more than 1 billion rubles of loans). With that we can handle pretty quickly - within two to three months. Private clients will benefit from this, with modern banking products and a new quality of service. The second phase - the establishment of one year service centers in Moscow. The third phase - expansion to the regions, the first results of which, I hope, become apparent after two years.

Unlike some other Russian banks, developing the retail business, we will not be open full-fledged branches in the province - it is economically impractical. Their products, we plan to distribute through the agent network of partner companies and small offices. In fact, it would be self-service centers, where the client is able to replenish the account to repay a loan, to withdraw funds from the deposit, etc. Of course, if he needed assistance to the staff of the bank, he receives it. Banking Centers

self until sponger only in Moscow, St. Petersburg. In regions of the same population was not yet ready to conduct banking transactions ...

Practice shows. We are doing a great bet for information work, call-centers, which will operate in all regions. And then, the products, despite their high manufacturability, should be simple and understandable for the end user.

At the same time, we will not be limited only to deposits and lending. We plan to give customers a complete range of services, including settlements, transfers, cards, etc.

What types of clients do you expect? This massive

client, with an average income of $ 400 per month. In addition, we have a VIP-service, which involves full management of private funds. However, it will occupy no more than 10% of retail business. Again, we focus on mass customer.

Who will deal with the operational management of the bank? Because the position vacant until the chairman of the board ... And as the bank's team will be formed?

soon, we'll call the name of the new leader. However, before its formal presentation, we should observe a number of formalities now ... I can only say that it is known in banking circles of people.

first task will be forming the team of retail bank. The International Industrial Bank is a strong management of retail business, but it is clear that only our forces here will not be enough. Before «Mezhprombankom Plus» face a major challenge that requires an equally serious approach to personnel matters. I hope that the new bank we can assemble the best retail professionals, energetic, bright and motivated. We are now actively working in this direction.

BCH

I do not have much experience in building a retail business, in contrast to other Russian banks, which occupy a leading position in the market for several years. How will you compete with them?

Our line of products, we run a long time, albeit on a small number of customers. In this business we are not novices, to retail, there has never been our number one priority. With regard to this market, until it is saturated, and the fierce competition to say no. I am sure that enough space on it all, the potential market is huge. In

«mattresses» a huge population of hidden money, which, theoretically, could be kept in bank deposits. Even more potential in the sector of consumer lending. According to our research over the past few years this market in Russia grew by 20 times. The volume of consumer credit is still 2.7% of GDP, while in Eastern Europe - 8%, in developed Western countries - at least 50%. And if you look at the projections of both Russian and Western analysts, the next five to ten years in this sector, we looked forward to the present boom.

talk about tough competition only when the business is on the verge of profitability, that is, banks can not offer more favorable conditions for the products, or if the market is fully saturated with all possible services and quality of service across the same ideal. We have that yet.

Retail business in Russia is considered the most costly for banks. Usually, the draft goes to the self within 2-3 years. How soon do you plan to do «Mezhprombank Plus» profitable?

, as in Russia agreed to build a retail business, it's really cheap. We expect that our project would be less expensive, and we plan to bring it to the level of profitability in two years.

Back in March, BCH, announced that is negotiating with foreign investors. You managed to agree on their participation in the capital of the retail bank?

Those 50 million Euro, which is invested in capital «Mezhprombanka Plus», - this means the parent bank. On the western investors we are negotiating, but until they are completed, we can not disclose details. I will say only that we regard as partners with several major commercial financial institutions that have experience in building a retail business. In Russia, its own specific retail banking. Strictly speaking, therefore, foreigners now prefer to become shareholders of existing banks, rather than create from scratch «daughter».

However, regardless of the will of the shareholders, foreigners or not, our plans and concept development «Mezhprombanka Plus» remain unchanged.

Natalia Romanova

Source: company