Talking about the work of the bank, a financier Dmitry Leus says, that the level of servicing is very important along with the services provided by the bank. This issue should be treated in a special way. This applies, first and foremost, to the queues. You must prevent even the possibility of their occurrence. With this aim, the offices are actively installing self-service terminals, which will allow for making payments not only at the cash desk.
Organization is made by people
Dmitry is convinced that the Bank’s staff and their professionalism play an important part as well. After all, the clients entrust them one of their values – their earnings. That is why the branches enroll only experienced and competent personnel with relevant experience, as well as continuously update the service standards. The motivation system has been introduced for the Bank’s staff. You can read more about it, if you follow this link: https://galactikka.com/news-569de13cbd04704e218b4567
Dmitry stresses that the Bank’s customers are among the first who appreciated positive changes, which resulted from the back-office reorganization. Thus, for example, the Service Centre for Client Operations was established in Voronezh, combining a call center, a credit analysis center, an IT department and an operation department. Dmitry says, such working structure increases the efficiency and improves the result.
What is a “stable” bank?
According to Dmitry, there is little point in being financially knowledgeable, if you do not understand a simple truth: a stable bank must exist not only at the expense of depositors, but must possess its own capital.
At the same time, the growing number of borrowers will allow for expanding the branch network. In this connection we have already decided on placing the additional 2.5 billion shares with par value of 1 ruble. A share placement costs the same – 1 ruble. It is planned to place securities by public offering with listing at the Moscow stock exchange. Thus, everyone can become a co-owner of the Bank, having acquired these shares. According to forecasts, such actions should raise about 2.5 billion rubles, and the organization capital will grow to 127%. The Bank’s own funds will make 5.5 billion rubles.
Dmitry Leus adds that the Bank’s activity is so transparent and intuitive, that the shares were bought by top managers and regional heads of the Bank branches.
Dmitry also shared the plans for the future. In the next two years, the Bank plans to provide a return on equity of up to 35-40%. The road map for development is already in existence, and top managers are working according to the plan. The strategy has also been developed and prepared for approval.