Its subdivisions independently decide to transfer troubled borrowers special agents. About it, "Kommersant said the head of the department risks Vadim Kulikov. To date, a special technical regulations. It provides an opportunity for local decisions on the accreditation of collectors. Sberbank will offer them to recover the amount owed to those whose period of delay is from 6 to 12 months. In this case, the bankers did not intend to sell debt portfolios, and work under an agency agreement, that is, a certain percentage. First of Sberbank credit problems solved without the involvement of third parties. He is turned out quite successful: the amount of indebtedness of individuals does not exceed 3,6%, while the average for the entire banking sector - 7,5%. Currently, Sberbank is the market leader in retail lending in Russia, its share is 33%. The total portfolio of loans as of October 1 totaled 1.24 trillion rubles., 44.9 billion rubles. of which - the arrears of individuals.
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