UFA, 12 Mar, 2018. /IA "Bashinform", Skalkina Anastasia/.
For January-December, 2017 of Public joint-stock company "Bank VTB" gave out to inhabitants of the republic of 28,5 thousand credits for the sum of 18,9 billion rubles that is 70% more, than in 2016. The credit portfolio since the beginning of year grew by 30%. The managing director of retail business of Public joint-stock company "Bank VTB" in Bashkortostan Zubairov Aydar.
"The current year appeared for us even more successful, than last — he noted. — Positive dynamics is observed on all credit and deposit products. This tendency corresponds not only work retail Public joint-stock company "Bank VTB" in the region, it is characteristic as a whole for the crediting and attraction markets".
At a meeting with journalists the managing director also reported that accession since January 1, 2018 of VTB24 bank Bank VTB 24 (Closed joint-stock company) to Public joint-stock company "Bank VTB" became one of the most important events for banking group.
"Within association Group "VTB" carried out rebranding, and after New Year's holidays of our clients already met a new logo — Zubairov Aydar told. – In a logo of bank "wing" was updated, the font and color" changed.
He also emphasized that all products and the services Bank VTB 24 (Closed joint-stock company) were kept when joining to Public joint-stock company "Bank VTB". Conditions on existing contracts and the credits, including an interest rate, did not change, and all clients continued to be served at offices habitual for.
the Credits cash are still most popular
One of the most demanded products with the population of the republic there are credits cash. Since the beginning of year of Public joint-stock company "Bank VTB" increased a portfolio in this segment for 17% — to 13,6 billion rubles. In total past year the bank gave out 19 thousand credits cash for total amount of 8,7 billion rubles that for 75% surpasses a similar indicator year before. The average sum of the credit grew by 30% — to 450 thousand rubles.
"The great demand is caused by that citizens began a thicket to use the program of refinancing of earlier taken credits — Zubairov Aydar explained. — For example, the client had from two to five credits in the different banks, issued under high percent, and in Public joint-stock company "Bank VTB" they were united in one credit on more lowered rate".
Mortgage loans break records
mortgage Growth in 2017 was observed over all country. Public joint-stock company "Bank VTB" — not an exception. In 12 months the credit organization gave out 4,5 thousand credits for housing acquisition for the sum of 7,6 billion rubles.
"This indicator for 60% exceeds data for 2016. The average sum of a loan grew by 10% — to 1,7 million rubles. The mortgage becomes more available: in the conditions of the stable prices, initial contributions, decrease in mortgage rates, the population has an opportunity to acquire by means of a mortgage loan big real estate on the area" — the managing director of retail business of Public joint-stock company "Bank VTB" in Bashkortostan specified.
toof Public joint-stock company "Bank VTB" became the first bank in the market which confirmed the readiness to participate in the state program, one of which key parameters is the birth of the second and third child in a family after January 1, 2018.
"Considerable decrease in an interest rate to 6% per annum within "A family mortgage" for the first 3-8 years of the mortgage contract will unambiguously urge on demand of the population for new housing. On the basis of the demand in the Ministry of Finance of Public joint-stock company "Bank VTB" received a limit of participation in the program of more than 100 billion rubles that makes approximately the fourth part from the total amount of the given-out mortgage loans Group "VTB" for 2017" — Zubairov Aydar reported.
Preferential car loans are popular
In January-December passed years inhabitants of the republic took 5 thousand car loans on 2,5 billion rubles. This indicator for 80% exceeds similar data for 2016. High interest from the population still remained on purchase of cars within a state program of preferential car loans. In 2017 according to the program about 65% of all car loans were given out.
last year Public joint-stock company "Bank VTB" started delivery of car loans according to the First Car and Family Car special programs. They extend on families with two and more minor children, and also on those who for the first time buys the car. In total according to these programs of Public joint-stock company "Bank VTB" in Bashkiria issued 570 credits for the sum of 280 million rubles.
"We expect increase in demand at these programs and in 2018 — Zubairov Aydar told. – Among drivers of our republic such brands of cars as Lada, Hyundai, Kia and Renault" are popular.
toof Public joint-stock company "Bank VTB" last year also actively gave out the credits for the supported cars: the share of loans with run increased by vehicles by 2,7 times in comparison with 2016.
to Enclose and increase
Good dynamics of Public joint-stock company "Bank VTB" last year showed regarding attraction of financial resources of the population of the region.
"The volume of means on accounts and deposits of clients – natural persons made 23,3 billion rubles. This sum in comparison with 2016 increased by 51% — Zubairov Aydar noted. – More than 65% in a portfolio are made by a share of wealthy clients and clients of Private Banking. Still, the most part of the population (94% of the total amount of the raised funds) prefers to store money in rubles, the others (6%) – in currency".
last year inhabitants of the republic appreciated a new way of storage and enhancement of the means – a savings account. In a year the volume of means on savings accounts increased more than twice that is caused not only favorable conditions, but also opportunity completely to control savings in VTB Online: to open one or several accounts, to fill up, transfer from it money for the card, to receive extracts and many other things. "The interest rate for a savings account is higher, than on classical deposits. Within "Multikart's" product the client has an opportunity to increase profitability on it to 10% — Zubairov Aydar emphasized.
He also told that except classical deposits, in bank the wide range and investment products is offered. Since classical broker service in the share and currency markets, finishing ready decisions – structural products, mutual funds, trust management.
"We always make a start from needs of each client, using an individual approach before proposing to it solutions on capital placement" — the managing director concluded.