Alexander Falev
CEO, ROSGOSSTRAKH BANK
Changing the attitudes of the bank management to borrowers who committed arrears would remarkably contribute to the improvements. Considering the pool of problem loans not as ballast, but from the point of view of an economic asset, developing effective structuring programs, requesting state subsidies under these programs that are actually helping borrowers with repayment of problem loans can profoundly change the problem situation.
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Yelena Rechkalova
Bank, Adviser to the Chairman of the Board of Directors
I have already defined five main measures that the banks need, from my point of view:
- To implement Customer Value Management (CVM); improve the level of analytics, segment the old and new customers, introduce Targeted sales, i.e. to issue new loans to those categories of borrowers, which are defined by the bank itself and correspond to the level of credit risk of a particular bank;
- To invest in the collection, use new collection strategies, may cooperate with other banks in terms of developing a single debt collection tactics for general debtors;
- To improve the quality of the team of Risk Officers;
- To retain their "good" customers, in particular to buy out their debts from other banks;
- To reduce the share of the lower mass market customers and introduce new loan products for low-risk customer segments
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Alla Soldatova
Eastern Express bank, Director for quality and service
Banks made very much for this already. Both tightening the principles of credit approval and launch of quite diverse processes pre-and soft-collection - all of this is already having a positive effect on the market. The 'new' portfolios of the majority of banks demonstrate better dynamics, than those formed by the disbursements of 2010-2012.
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