1. How do you assess the situation on financial markets? I am convinced that the crisis in financial markets is largely a crisis of confidence, not liquidity. Most banks are not experiencing problems with the assets within its own structure. But as a result of falling stock market has calmed down interbank lending market: the banks did not trust each other and to lend because of default on repayment of debt. Now all financial institutions holding a pause and wait for the situation will change. In fact, the money will not disappear, they just went up. A timely set of effective measures taken by the Ministry of Finance, Central Bank, Economic Development, the Federal Financial Markets Service and Administration of the President with the political support of Parliament, allows businesses to feel confident in a crisis situation. 2. What factors do you think, now have a negative impact on the development of the deposit market? Numerous reports of instability in the banking business, the jumps of the stock market, of course, cause distrust in banks. Primarily, it affects the outlook of those citizens who do not seek to increase their financial literacy and lend themselves to common restless mood and rumors. 3. As in such conditions is working Nomos? Back in early 2008, our Bank experts have calculated several possible scenarios. Therefore, we were able to prepare for the current situation, and now use the reserve to create a liquid. Nomos does not have problems with free tools and fully perform all its obligations to partners. We have an opportunity to attract resources from our shareholders and foreign partners, but it is not necessary. We will continue to develop as a universal network bank focused on servicing the corporate business development and portfolio of retail products. The Bank's plans - by the end of 2008 to increase the number of branches and offices from the current 50 to 82 "points." 4. From October 1, the maximum amount of insurance compensation for deposits is increased to 700 thousand rubles. This measure can help to attract new customers? This is another initiative of the state in a complex of measures to stabilize the financial market, aimed at increasing the confidence of depositors in the banking system. But raising the level of insurance reimbursement of deposits to 700 thousand rubles - this is not a radical measure, from which we should expect immediate market reaction. The existing level of insurance coverage completely protects the interests of the mass investor. According to the ACB on 01.07.08, the share of deposits in amounts ranging from 400 to 700 thousand rubles. is only 8,9% of total deposits. 5. In your opinion, in the context of the ongoing financial crisis, whether it is possible the gradual reorientation of banks on bank deposits as the main source of financing lending operations? Ideally, this reorientation is vital. Contributions can be called a powerful insurance reserves for financial institutions. In addition, the bank offers deposits for a long time and attracted to his clients, thus forming its brand as a reliable organization in the eyes of consumers. And it is for most Russians is very important. 6. What do you think is the main driver of market growth of bank deposits? What factors will determine the trends in deposit market in the next 2-3 years? For the market of bank deposits play a significant role not only increase welfare, but also confidence in the banking system and financial literacy of investors. The latter two factors, in some cases may act in different directions with respect to the first. In our view, once it becomes clear that the global financial crisis is eroding, and the Russian economy will not experience such a strong external pressure, confidence in banks, if it has been lost in recent months (and that we learn over time), will be restored and in the next 2-3 years we will be able to observe the growth in this market. 7. What do you see the main benefits of the contributions range of NOMOS-BANK? Our range of contributions combines high yield and high functionality. Contributions Nomos' can be selected according to the individual's personal financial plan for each client. Classic contributions without replenishment, and a partial withdrawal of the deposit "NOMOS-GOAL" and "NOMOS-RENT" designed for investors with the clearest financial plans for their money. If you believe in the forecast period you will not have to use your free cash, these deposits are suitable for you. They suggest getting the maximum income and different way of getting interest - monthly or at the end of the term. If you plan to increase contributions to a specific amount or a certain date, then you fit the contribution of NOMOS-goal. " If you wish to use the income and treat it as an increase in wages, then you will approach the contribution of NOMOS-rent '. 8. Does your line of deposits with an early withdrawal or recharge? The second type of deposit - replenish the deposit without the partial withdrawal amount "NOMOS-MAX" and "NOMOS-OPTIMA" combine problem savings and its profitability with the possibility of accumulation - the gradual replenishment of the deposit amount. If you want to gradually increase the amount of deposit to earn income by a certain date or accumulate a certain amount, for this established contribution "NOMOS-maximum". If in the long term you plan to increase contributions, but does not exclude the possibility of its spending within the accrued interest, then this problem corresponds to the contribution of NOMOS-OPTIMA. In addition, we offer to replenish your deposit with the possibility of a partial withdrawal amount. If you wish to initially provide for a partial contribution to demand during the period of its location, for this established contribution "NOMOS-ACTIVE", possessing the greatest degree of freedom control - an opportunity not only replenishment but also spending in the amount of 50% of the initial payment. 9. How much in demand these or other contributions in the line of deposits of the Bank? Can I mention the type of contribution, for which there is greatest demand? The most demanded long-term deposits. By types of time deposits of preferences in favor of a single (classical, revolving or supplies, updated) is not observed. It is logical to assume that the instability of financial market customers may be interested in the progressive contribution. In the progressive contribution of your money is safely stored in the bank and thus are always "at hand" because they can be claimed in part or in full at any time on demand client. While maintaining the minimum balance for a month on the balance applied progressive (increased) rate. NOMOS-BANK offers a comprehensive package of services "NOMOS-PROGRESS-premium", which provides for release of the international map of Gold and connectivity services for remote monitoring and control input via the Internet or ATM (Internet Bank, WAP-service, CNS-service, service " NOMOS-Link "). 10. What tools Nomos uses to attract new customers? In today's unstable financial market, many customers are waiting. The current situation is not amenable to long-term forecasts, so a client interested in more short-term investments. Given this trend, Nomos develop seasonal promotions for deposits with higher interest rates for short periods - 3 and 6 months. 11. At a target segment of depositors is more oriented deposit policy of the Bank? What type of investor is most promising to you? Historically, the business of NOMOS-BANK has developed as a corporate and customer-first individuals become employees of enterprises from among corporate customers, executives and owners of these enterprises. Therefore, when asked about the target segment, we can say that the line of our contributions is set to the interests of customers with high-income countries, and customers democratic segment. To date, priority client segment for the NOMOS-BANK is a small and medium-sized businesses. In its retail strategy as we focus on this segment and consider the owners and employees of small businesses as potential consumers of retail banking products. 12. What, in your opinion, the main parameters that determine the competitiveness of the contribution? The most important criteria for the investor - the reliability and return on investment. Confidence in the contribution is based on perceptions about the customer's bank, ie positive reputation and brand recognition of the bank. Yield is not absolute, it specifically in each case. Maximum yield is achieved with long-term placement of funds in high enough quantities. However, the more requirements to the functionality of the contribution (ie the possibility of its completion and partial consumption), the lower its profitability. It is important that the bank could offer the investor a deposit, which fully corresponds to its request. It is these contributions NOMOS-BANK offers its clients. 13. What factors do you think define the "recipe" really successful contribution? You picked the correct word "recipe". Just as the doctor prescribes an individual patient prescription, depending on the state of his health, and the contribution of selected individually, depending on the financial condition of the depositor and his investment objectives. You must define the purpose of their investments - to accumulate a certain amount by a certain date, to receive a monthly annuity, or just safely store free money. Also, if possible, to predict the likelihood that money from the deposit may suddenly be needed. And thus formed the request investor NOMOS-BANK offers his recipe for a successful contribution - a combination of attractive price conditions at a latitude line and the possibility of individual choice of the conditions of deposit.
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