1. What do you see the main advantages of line deposits of the Bank URALSIB compared with non-competitors? What are the main features of deposit offer, the Bank? Currently, the Bank URALSIB formed product offer on deposits, outstrips supply major market players, a broad-based customer segments and different needs of customers in existing market conditions. Developed an optimal proposal for a regular income, savings and money management, down to currency conversion contribution. In addition, our contributions are clear to the depositor, and each client can easily understand their specificity. In addition, one of the standards of service at the Bank has a special free offer to all investors, which includes a wide range of free value-added services and incentives to the customer's choice. 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? Each Bank's contribution is optimized for a specific variant of savings that is reflected in customers' preferences with a certain level of income. For example, among mainstream investors the absolute leader is "URALSIB | Stability", which combines the simple functionality and market interest rates. In a segment of affluent clients and just investors who prefer active management of their finances, successfully uses a relatively new product of our Bank - URALSIB | business class. This functional contribution in terms of which the client may like to make new and existing means to remove an unlimited number of times, keeping a minimum balance in your account. In addition, the 20 th anniversary Uralsib we offered a unique product - the contribution of URALSIB | Anniversary "with interest payments ahead of the date of the contract. The success of our proposal is obvious, as evidenced by the stable dynamics of the discovery of deposits URALSIB | Anniversary "as well as most of the deposits without partial removal of the average amount. Currently popular are the contribution URALSIB | multi-currency "that allows to manage a basket of currencies of the deposit - rubles, U.S. dollars, euros - converting money deposit from one currency to another. In the near future, the Bank shall return the deposit in the range of traditional contribution - URALSIB | Pension "opened with our clients, seniors, upon presentation of pension permit (veteran). The deposit will be offered higher interest rates and the possibility of obtaining a regular income. 3. What tools the Bank uses to attract new customers? By experience we can say that the main criterion for increasing the flow of new customers is to improve the quality of products and value-added services of our Bank. With its unique experience with clients in Russia (this year URALSIB celebrates 20 years Finance Corporation), we use leading-edge solutions in the formation of the product line for the benefit and convenience of our customers. One of the defining criteria for selecting a financial partner for investors is the reputation of the bank, as in the case of deposits from customers trust him with their own savings. That is why the Bank has actively supported URALSIB gained a reputation as one of the most stable and reliable financial institutions in Russia. In particular, on a regular basis by a variety of marketing campaigns, constantly improving the quality of service and work offices. 4. Do you think there is a tendency to enhance the role of contributions in order to finance the operations of active stable or to a greater extent determined by the situation on world financial markets? Deposits of individuals perform a significant role as a source of liabilities, and lately for many market players, their role clearly increased. However, for large federal-network bank deposits of individuals is not the only source of funding. In these circumstances it is important to diversify sources of passive base, thereby greatly enhancing the level of financial stability of the bank. 5. 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? It should be noted that the recent popularity gained special marketing events and additional services offered to the deposit. With increasing competition in the market time deposits, the active use of various bonuses, gifts to depositors and special marketing events was the expected result. In all variety of additional proposals for a truly eye-catching actions are integrated products. For example, in the Bank's regional network URALSIB as a special bonus, the investor receives a free credit card with a grace period. Remains an important criterion for the popularity of the contribution is the ratio of interest rates and service capabilities. For example, when the deposit rate is less than the projected rate of inflation, but it requires a contribution of additional options, such as the possibility of partial withdrawals without loss of interest, completion of the deposit, quarterly interest payments and other features significantly extend the functionality of the deposit. This may determine the client's choice in favor of a particular type of deposit. In the current situation, commercial banks rely on short contributions - it is profitable as the bank (because it is not clear further rate dynamics) and client (as affected by general instability). 6. Scroll to 2.3 factor, which, in your opinion, will determine the development of deposit market in the next 2-3 years? The most important factor, of course, is the stability of banking system and its ability to respond to changes in the global financial markets, because this determines the level of public confidence in financial institutions. An important factor will be the degree of volatility of exchange: the ruble, U.S. dollar and the euro, it may affect the reallocation of portfolios of deposits. 7. What factors do you think define the "recipe" really successful contribution? Reputation of the bank and the right balance between service component and the interest rate.
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