1. What do you see the main advantages of line contributions Bank "Russian Standard" in comparison with non-competitors? What are the main features of deposit offer, the Bank? The main advantages of the contributions of the Bank "Russian Standard": - high interest rates at a sufficiently low minimum deposit amount - the possibility of increasing rates of achievement of the next threshold of the contribution of the deposit with the possibility of additional contributions - additional payments on deposits are not restricted to either the sum or time (at any time, any period of time, any amount) - Remote deposit funds in the contribution by receiving the Bank's ATMs. For all the Bank's deposit products a customer can call in advance to apply for a deposit. Make the deposit at any convenient time within 30 days from the date of the deposit agreement. 2. 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? Most in demand deposits, allowing to obtain the maximum revenue, but without the contribution of the order (additional contributions). This suggests that our customers are not willing to sacrifice the interest rate for the sake of liberty orders contributions. 3. What tools the Bank uses to attract new customers? We mainly use the marketing tools to attract new investors: it's advertising campaigns in the media, the Internet, informing customers of the Bank of the deposit proposals by mailing promotional materials. In addition, we thank our customers for recommending products and services of the Bank to your friends. 4. At a target segment of depositors is more oriented deposit policy of the Bank? What type of investor is most promising for the Bank? Our proposals are interesting contributions to various categories of customers due to the fact that, on the one hand, the minimum amount of deposits are small and, on the other - rates higher than many competitors' offers. 5. What do you think is the main driver of market growth of bank deposits? Volume of bank deposits continue to rise, provided the growth of population incomes. This year an additional incentive for the depositors would serve the interest rates on deposits due to the growing destabilization of the situation on financial markets and increased competition in the deposit market. 6. What factors do you think, now have a negative impact on the development of this market? To date, the main reason that adversely affects the development of market deposits is the lack of confidence of depositors in the banking system, which arises due to fluctuations in financial markets. 7. How relevant is now remote to attract public funds from inaccessible areas (eg, through post offices)? Does the Bank intends to use such opportunities? Raising funds from remote areas through post offices is one of the additional sales channels of banking products. But, in our opinion, the first phase it will not bring a significant increase in the deposit banks portfolio because of low financial culture and insufficient level of public trust in the remote areas of the country. 8. How do you feel about this new savings instruments like index-linked deposits and investments? As far as these products may be of interest for the market? How do you see the future of innovation? Deposits with the investment component of interest from the standpoint of revenue, potentially exceeding the standard fixed income on time deposits. However, the fact that the income on these deposits are not guaranteed, can refer them to the category of high risk. Given the current situation in financial markets the popularity of deposits with reference to stock indices, share prices dropped significantly and are unlikely to soon return to its previous level. 9. 2.1 Name of the product of the financial market, which, in your opinion, now constitute the greatest competition to bank deposit? What are the products of the deposit will have to compete in the future? To date, bank deposits are unique in terms of reliability and clarity for consumers. Previously, competition contribution is more profitable units of mutual funds and other investments in securities. However, in current circumstances, they lost their appeal due to the fact that the risk of non equity in them is much higher than on bank deposits. After some time, after stabilizing the situation in the stock market, the growing popularity of investment in securities will be gradually restored. 10. In your opinion, in the context of the ongoing financial crisis, whether it is possible the gradual reorientation of banks (especially regional) on bank deposits as the main source of financing of active transactions? Yes, probably. For regional banks means the population remains a major source of funding. This is confirmed by their very high as compared with the capital by banks, interest rates on deposits. But increased competition in the deposit market and the appreciation of other funding sources will only contribute to an increase in rates. 11. In your opinion, how the current situation on Russian stock markets, and in general the world financial crisis may affect the development of the deposit market in the next two years? Market growth of bank deposits continues, albeit at a slower pace. Depositors will be more wary of deposit offer banks. The greatest growth of the deposit portfolio is possible to predict the banks with state participation, as the level of public confidence in them is much higher. 12. What, in your opinion, the main parameters (qualitative and quantitative), which determine the competitiveness of the contribution? What parameters will contribute to the active inflow of funds on deposit in the near future? The main parameter that determines the competitiveness of the deposits and their attractiveness to investors, no doubt, is the interest rate. All other options and additional services offered by banks in a single package, along with the deposits are important, but as a rule, are of secondary importance. For the most part their value is determined individually for each investor.
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