"Home Credit and Finance Bank goes to salaries

One of the leading credit wants to bet on the card. On a new line of business told Kommersant deputy chairman of the bank Yuri Andres. He identified the development of the project of issuing and servicing payroll cards as one of five strategic areas of development until 2011. The banker said that the loans more profitable to issue payroll cards to, because their holders are "quality borrowers." The choice of this activity is not accidental - "Home Credit and Finance Bank already burned at clients' selection. Due from individuals to the bank on August 1 this year amounted to 28% of the total loan portfolio as at the beginning of the year it amounted to 27% (the average bank rate for the country - 7.5%). This service provides, as a rule, very large banks, which make bets on corporate customer service. Among them are the "Savings Bank", has already issued 21 million payroll cards, "VTB 24" - 3.4 million, Uralsib - 3 million, "Transcreditbank" - 2.4 million and "Alpha-bank" - 1,5 million credit cards. "Home Credit and Finance Bank will be the first institution specializing in lending, which runs the" salary "projects. About how many Russians, the bank intends to give their cards are not reported. However, we already know that he has issued about 13 thousand cards of them - 7 thousand cards received by employees of the company. Salary cards generate revenues to banks in the form of cash balances on deposit accounts, which bank could be used for more profitable investing. The client only in some cases gets a percentage in the case of long-term placement of their funds for this kind of plastic. Usually deposit rate is equal to 0%, but the customer is always possible after the receipt of wages to remove all the transferred money - so do the majority of Russians.