The absolute Bank after failure of the transaction with "Renaissance" stakes again on retail business and intends to return clients who passed to large competitors. To achieve the objects, the bank will enclose about 100 million rubles in IT technology, the deputy chairman of board of the credit organization Alexey Yelagin told "Sheets".
In bank counted that only every tenth client actively uses his retail products except a mortgage, on the average it is the share of one client 1,1 products. The purpose of the present management in the next two years — to double this figure that it was the share of each client at least on 2,5, Yelagin told.
according to experts to increase quantity of products with 1,1 to 2,5 by the client in two years it will be difficult. "To entice clients, it is necessary to offer unique products" — the banker who is responsible for retail in bank from top-20 estimates. According to him, the market of credit cards does not develop any more so promptly as earlier, and all have debit cards and "here it is difficult to be allocated".
the Income of clients of bank — from 60 thousand rubles, practically all of them use services of competitors, usually large, Yelagin specifies. According to him, now 80% of repayments on a mortgage pass through cash desk, instead of through online channels. "Due to the lack of investments into retail technologies from last shareholders — they were not put in development since 2009 until sale the Absolute of Bank to structures "by NPF Welfare" — now it is necessary to choose race strategy for leaders of the market" — Yelagin tells.
Recently the bank started the translations from the card on the card, updated a site, and in December will start a new mobile application and Internet bank. Online resources can increase considerably cross-sales, experts agree.
In May the Blagosostoyaniye fund started discussing with shareholders of Vozrozhdeniye bank its association about the Absolute Bank, however the transaction actually broke — "Renaissance" was got by structures of brothers Dmitry and Alexey Ananyevykh. About how it influenced strategy of development of bank, the representative Absolyut Banka refused to speak.
Hardly the bank will be started up by p in high-risky retail crediting, the analyst of Moody's Olga Ulyanova considers. It is a rate on the credits with a moderate risk level and the commission income rather. At "Absolute" the recognizable brand, good client base — in — wealthy people, lists it. The idea to increase cross-sales was discussed at the last shareholder, Ulyanova remembers, the bank in general inherited a lot of good from KBC Group. It is unlikely "Absolute" will manage to close entirely on itself that part of the retail client base which is already served in other banks, but to be fixed in the niche, in her opinion, bank on forces.