Sberbank is one of the largest financial institutions in Russia. It provides services to both individuals and legal entities. banking products Sberbank is pleased with its diversity. Anyone can borrow money or keep their savings in a deposit account. Reliability and favorable conditions attract customers from all over the country.
If we consider the banking products and services of Sberbank, we can see that unsecured loans remain the most popular. Any adult citizen of the Russian Federation can conclude an agreement with a financial institution. The maximum loan amount cannot exceed 3 million rubles. The contract can be concluded for 5 years. The rate is 14.9% per annum. The faster the client returns the debt to the bank, the less the overpayment will be. The main condition for issuing a loan is official employment.
A client can get more favorable credit conditions if real estate is registered on him, which he can offer as collateral. The maximum amount under the agreement will be 10 million rubles, and the rate is 12% per annum. The loan period is also extended. A client can borrow money for 20 years. Such a banking product of Sberbank of Russia can be an excellent alternative to mortgages.
Not every family can afford to buy an apartment or a house today. Profitable banking products of Sberbank can come to the rescue. Mortgages are a great option for young people who are planning their future. The most profitable way is to draw up a contract for the purchase of real estate in a new building. The initial payment under the contract may not exceed 10%. The maximum loan term is 30 years. The amount of the contract is negotiated individually in each case. Rate - from 10% per annum.
As down payment for real estate, a young family can use maternity capital. In this case, the rate under the contract will be 9.5%. Under such conditions, you can buy real estate both in a new building and on the secondary market.
Sberbank also provides a loan for individual construction residential building. However, in this case, the conditions will be less favorable. The rate under the agreement will be 12% per annum.
Plastic cards have firmly established themselves in the life of almost every citizen of Russia. With the help of such a tool, many keep their savings, receive wages. What else can a consultant on banking products of Sberbank offer? Reviews show that credit cards are very popular? Such a tool allows you to purchase any goods without an additional visit. financial institution. Credit card allows you to reach the salary.
Sberbank offers to issue a card related to international payment system. This means that the client will be able to manage money in any corner of the globe. Depending on the client's income, credit limit can be up to 600 thousand rubles. The rate under the agreement varies from 23.5 to 27.5% per annum. To receive a card, the client must confirm their official income.
Loyal customers who have been serving the bank for a long time are offered by economists to issue a premium credit card. The rate on it may not exceed 21.9% per annum, and the credit limit will be up to 3 million rubles. The advantage is that when paying with a card, a client can return up to 10% of the cost of purchases when servicing in Sberbank partner stores.
With coming economic crisis problems in financial sector appeared even among those citizens who stood firmly on their feet. Many have lost their jobs and permanent income. Problems with paying debts to the bank were acute for most families. Considering banking products of Sberbank for individuals, we can not forget about refinancing. The financial institution meets the needs of customers and offers to renew the contract for those borrowers who find themselves in a difficult situation.
What is required to refinance debt? It is worth contacting the nearest representative office of the bank with an identification code and a passport, write a corresponding application. Sberbank offers to combine up to 5 loans into 1. In this case, the payment will have to be made once a month. The amount of the contract can be up to 3 million rubles, the rate is 13.9% per annum. The maximum term under the contract is 5 years.
How can you protect savings from inflation, and also earn money? It is worth paying attention to deposit programs from the leading financial institutions of the country. When promoting banking products, Sberbank does not forget about deposits for individuals on favorable conditions. The most popular is the "Save" program, which allows you to receive up to 6% per annum in rubles. The contract can be executed for a period of 1 month to 3 years. In this case, the client cannot partially withdraw money or replenish the account. The minimum deposit amount is 1000 rubles, the maximum is not limited.
Those who want to freely withdraw money from the account and replenish the deposit should pay attention to deposit program"Replenish". The term of the deposit can be from 3 months to 3 years. The client can conclude an agreement in rubles, dollars or euros. The minimum deposit or replenishment amount is 1000 rubles, 100 dollars or euros.
How to ensure a comfortable old age? It is also worth paying attention to the banking products of Sberbank. The transfer of the funded part of the labor pension to the accounts of a financial institution is an opportunity to receive additional income in old age. Each citizen has the opportunity to provide an additional non-state pension at the expense of his own savings. How to do it? You must contact the nearest branch of Sberbank and fill out the appropriate application. Pension payments in old age will depend on the amount of contributions. The minimum initial payment at the conclusion of the transaction will be 1500 rubles. Subsequently, the client will have to pay at least 500 rubles monthly.
The client can control the size and frequency of contributions independently. Moreover, everyone has the right to terminate the agreement with the bank and return all their savings at any time.
Sberbank banking products are not limited to financial instruments. The company also offers interesting insurance programs. Everyone can take care of the life and health of their loved ones, the safety of property. Insurance programs closely related to lending. For those who want to borrow money, the bank immediately offers to take out insurance. If an unforeseen situation happens to the borrower, the financial institution writes off the debt. However, you have to pay extra for this service.
The Travel Insurance policy is also popular. You can conclude an agreement at any branch of Sberbank or in real time. One policy provides for the maximum number of risks. In this case, the amount of payments ranges from 50 to 200 thousand euros.
Sberbank also offers many other insurance programs that allow you to create a financial cushion for customers who find themselves in a non-standard situation.
Banking products for legal entities are also offered by a financial institution. First of all, everyone has the opportunity to open a current account with Sberbank on favorable terms. For newcomers to business, free accounting assistance is offered. Large legal organizations may enter into an agreement to salary cards company employees. In this case, the transfer of wages to employees will be carried out within a few hours. Weekends will be no exception holidays. The support service of Sberbank works around the clock.
Acquiring - new service, which is popular among legal entities engaged in trade. In this direction, Sberbank also offers to conclude an agreement on favorable terms. You can connect commercial equipment absolutely free of charge. All that the head of the company needs to do is to come to the bank office once to conclude an agreement. All other actions will be carried out in real time. Calculation of amounts passing through trading terminal will run during the day.
Offered by Sberbank investment products designed for the widest range of investors - from conservative pension plans to active trading on the stock exchange using an individual investment account. What is convenient - most of the actions related to the acquisition, redemption and disposal of banking products can be carried out online using the Sberbank online system, personal account investor of Sberbank Asset Management and a special mobile application Sberbank Investor.
For those who are thinking about the future, Sberbank offers special long-term investment products for individuals related to low level risk and excellent returns.
One of these tools is endowment insurance life. Its essence is as follows:
If, during the validity of the policy, an insured event occurred to him (death, disability, etc.), then he (or his heirs) receives payment immediately.
This investment product of Sberbank allows not only to accumulate a fairly large amount and generate a good income (in 2015, the average return on ILI programs was 10.5% per annum), but also to receive financial protection.
Cumulative insurance is a long-term investment that will allow you to strengthen financial discipline and receive insurance protection
The second option for a long-term investment is participation in a pension program. There are two options:
To transfer part of the pension to the NPF, it is enough to fill out a corresponding application at the local Pension Fund (or seek help from Sberbank consultants, they will help prepare the documents).
To ensure the "second" pension, it is also necessary to conclude an agreement with NPF Sberbank and transfer additional payments to your account - from 1,500 rubles for the first time and from 500 rubles for subsequent times. The NPF will independently invest funds and increase savings. If the money is needed earlier, then after 5 years it can be completely withdrawn without loss.
For anyone who thinks strategically, mediated investment program— pension
Another long-term investment product of Sberbank for individuals is deposits in precious metals. It is possible to purchase both real metals in the form of ingots or investment coins, and open an impersonal metal account. Today in Sberbank you can invest in gold, silver, palladium and platinum.
There are also products in Sberbank that have minimal risk and low profitability. They are intended for the most cautious investors, adherents of a stable income.
The traditional conservative investment products of Sberbank include deposits:
Save, Replenish and Manage deposits are valid for up to 3 years, they can be opened at a branch and in Sberbank online, the rest - only at branches.
An excellent alternative to deposits that cannot be gifted or pledged is such an investment product of Sberbank for individuals as a savings certificate. This is a security that opens for up to 3 years. Sberbank makes payouts to the bearer in accordance with the yield indicated in the certificate after its expiration. Certificate parameters:
Attention: savings certificates do not participate in the deposit insurance system!
Another option for conservative investments is federal loan bonds for the population. This investment product of Sberbank is intended exclusively for individuals and is sold, in addition to Sberbank, only in VTB on the same terms. OFZ-n - a security issued by the Ministry of Finance, payments on it are guaranteed by the state. Bond parameters:
OFZ-n can be purchased until March 2019. At any time, the bond can be sold back to the bank at face value, after a year you can also receive the accumulated coupon income.
Those investors who want to get a return above the market and are ready to take risks can transfer funds to Sberbank for trust management.
Among the investment products offered by Sberbank, one of the most popular remote control programs is the protected investment program. Two options are provided:
In accordance with the rules of the regular program, an investor can invest in one of the five largest world markets - real estate, gold, bonds, new technologies or the oil sector. Program parameters:
The coupon program provides for investments in shares of foreign companies. The investor receives income if the portfolio has risen in price, and the nominal amount of investments if the price of assets has fallen or remained the same.
Another Sberbank investment product intended exclusively for individuals is a ready-made strategy for an individual investment account. A bank client can open an IIS and receive tax preferences:
Sberbank allows you to independently trade on IIS, or choose one of the ready-made strategies:
Program parameters:
Other popular banking investment products of Sberbank are mutual funds. They are managed by Sberbank Asset Management. Today, you can invest in 21 open mutual fund Sberbank, choosing between conservative, moderate and aggressive funds.
Investment conditions:
To obtain a stable profit, investors are advised to collect a balanced and maximally diversified portfolio of mutual funds.
Previous investment products of Sberbank can be conditionally classified as passive investments, since outside people, professional managers, carry out work with assets. However, if the client wishes to make active investments, ie. to independently enter the market and receive nominally unlimited profitability, he has such an opportunity.
Sberbank provides access to the International Moscow Currency Exchange in all three main sections: the stock, derivatives and over-the-counter markets. It is enough for the investor to sign an application for opening a brokerage account or IIS in the branch and replenish the account with any convenient way. There are two options for submitting applications:
Commissions for work on the exchange:
In addition, for participants stock market two more Sberbank investment products for individuals have been prepared to facilitate trading.
The first is the Simple Investments service. This is an automatic financial advisor developed based on the works Nobel laureates G. Markowitz and W. Sharp. It analyzes trading on the stock market and sends signals to traders to make a deal. The uniqueness of the service lies in the fact that it allows the investor to create a personal financial plan online depending on its capabilities.
The second tool is the eToro online platform, which is essentially a transaction copying service. Moreover, eToro is a social network that allows traders to communicate with each other and develop strategies for joint earnings. Beginners in the stock market can simply follow a few professional managers to grow their capital, and experienced traders can get additional income allowing other investors to copy their trades.
Thus, an investor of any profile can find in Sberbank tools that are suitable for him to increase his fortune. Sberbank's diversified investment products allow both independent trading on the MICEX and passive investment strategies. There are programs for risky and conservative investors. Most transactions are available online.
The similarity of a banking product and a banking service is that they are designed to meet the needs of the client and contribute to making a profit. So, bank interest on deposits is a banking product, and its permanent payment is a banking service. In both cases, it serves to satisfy the needs of the client and generate income. Opening a bank account is a product, and maintaining an account is a service, but both the product and the service involve income in the form of commissions. At the same time, it should be emphasized that in most cases the banking product is of a primary nature, and the banking service is secondary.
Trust or trust operations are performed by the bank on behalf and at the expense of the party (principal), on a reimbursable basis, if it is provided for by the current legislation or established in the agency agreement as agreed by the parties. Their essence lies in the transfer of clients to banks of their property for the subsequent investment of these funds on behalf of their owners and on their behalf on various financial markets for the purpose of making a profit for customers, from which banks charge a certain fee in the form of bank commission. Trust operations clearly reflect the essence banking in general - its passive-active nature, which consists in raising funds and their subsequent placement in order to make a profit.
Almost everyone has a credit card, from students to retirees. By means of the card, you can pay in shops, supermarkets, purchase tickets, services. In addition, using a bank card, you get discounts in stores and bonuses for using a banking product. It is convenient to use a credit card so as not to carry large amounts of cash with you. The card limit is set by the bank depending on your salary and credit history.
Plastic cards have firmly established themselves in the life of almost every citizen of Russia. With the help of such a tool, many keep their savings and receive wages. What else can a consultant on banking products of Sberbank offer? Reviews show that credit cards are very popular? Such a tool allows you to purchase any goods without additional visits to a financial institution. A credit card allows you to reach your paycheck.
There are several types of bank guarantees - payment, contractual, tender, customs. For example, a payment guarantee is an obligation of a bank to cash payment upon presentation by the beneficiary of the demand for payment and other documents provided for by the terms of the guarantee (unpaid invoice, claim, court decision, and so on). In its turn, tender guarantee or the bid guarantee is intended to prevent the bidder from winning the bid from signing the contract. In particular, without bank guarantee the company will certainly not be allowed to participate in international bidding.
Another bank whose priority is to serve legal entities, Rosselkhozbank, has updated rates on loans for seasonal work. Rates were updated in favor of the bank's clients and the reduction amounted to about 3.6% for peasant (farmer) households and about 1.5% for other clients. As a result, the minimum rate on loans for seasonal work starts at 15.21%. In addition, in 2019, the RSHB optimized the issuance of such loans, reducing the maximum period for consideration of an application from the date of submission of a complete package of documents to 5 days.
There are two types of credit lines. 1. Revolving (with a debt limit), many confuse it with an overdraft. The line allows the borrowing organization to receive several tranches (or one tranche) within the limit of the credit line, then as each of them is repaid (full repayment or partial), it becomes possible to constantly borrow / repay cash throughout the entire term of the contract. The current debt cannot exceed the debt limit stipulated by the agreement.
The entrepreneur chooses the best set of products and services for himself. In our case, the client gets the opportunity to open a current account, access to work with the account on the Internet, as well as preferential terms for other bank products. Let's say, if you want to open a corporate card, an entrepreneur who has an account with the RSHB collects an abbreviated package of documents.
It is noteworthy that the banking product did not have a clear definition for a very long time. But through long debates on this topic and analysis of the features of the work financial institutions nevertheless, it turned out to determine those elements that are its components. For example, base element technology is considered to determine the type of a product. These include savings and current accounts of customers, deposits and loans. There is an opinion that in the near future the pledge will somewhat lose its position in terms of significance. The lender will be more interested in the financial condition of the borrower. Decreased attention to material support will cause the activation of entrepreneurs who want to run their own business, bankers believe.
A special place among loan documents belongs to a loan agreement that regulates the entire range of relationships between the bank and the client. As a legal document, a loan agreement must meet very strict requirements for design, structure, and clarity of wording. An important condition loan agreement is a term condition. The loan agreement is concluded for a certain period, the beginning of which should be considered the moment of conclusion of the agreement (unless otherwise specified in the agreement itself). The expiration of the loan agreement in accordance with Part 2, Clause 3, Art. 425 of the Civil Code is the moment when the parties fulfill their obligations under the contract.
Cash management services consist of the bank taking over the collection of payments and making payments on the firm's operations, as well as investing excess cash in short-term securities and loans until the cash is needed by the client.
settlement and cash services (operations with cash proceeds, settlements, including international, collection, etc.), conversion operations, documentary operations, loans and credit lines, including overdraft lending, leasing, factoring, deposits, bank cards, salary projects, merchant acquiring, Internet acquiring, operations with securities. Investment and advisory services.
Most big bank in our country provides a wide range of services not only for individuals, but also for entrepreneurs. After all, most enterprises in different periods of their development need to attract investments, and here it is quite difficult to do without credit funds. Today there are several lending programs for legal entities and small businesses with and without collateral, as well as with a guarantee. What Sberbank loans to legal entities are currently available, this will be discussed further.
Goods in the banking market are banking products and services provided by the bank to customers or other banks.The banking services market is considered as a set of relations that arise between existing banks and their customers regarding the creation and implementation of an appropriate set of banking services in a certain territory.
The characteristic features of the banking services market are highlighted. These include: lack of new sources of attracting long-term deposits; a significant proportion of banks with low authorized capital; a small concentration of banking assets in the basic sectors of the economy; high specific gravity loans provided to trade and other commercial structures; presence of high weighted average interest rates on loans and low rates on deposits; a high proportion of debts on amounts previously provided to economic entities of loans.
Therefore, it is necessary to find such directions for improving the procedures for opening and maintaining bank accounts clients, extensions investment services, which ensure the acceleration of the pace of promotion of banking services and services in the field of integrated settlement and cash services clients.
New banking products - a materially formalized part of a banking service (card, savings book, traveler's check, electronic wallet, etc.). A banking product has a tangible form intended for sale in the financial market.
The new banking product is of two types:
Limited - a product, the volume or quantity of which is strictly limited. Limited banking products include stocks, bonds, loan agreements, etc. This product is issued based on a specific buyer;
Unlimited - a product, the volume (quantity) of which is not limited by any quotas. This product is produced based on a possible potential buyer, so the volume of its release is not limited by any norms, except for the factor of consumer demand.
In the region of presence, in order to expand the range of banking services offered, the following can be considered:
1) Express lending service. This banking product provides significant time savings: it can be issued in 1 business day without collateral with a minimum package of documents. The "Express-loan" system allows you to organize the provision of a loan at points of sale of goods and services (car dealerships, shopping malls, household appliances and cellular stores, travel agencies and many others). In such remote lending points, any person, with the help of a loan manager, can fill out an application for a loan and immediately receive the product or service he needs on credit. At the same time, the processes of initial verification of a loan application, its transfer to the bank, the receipt by the client of a decision on issuing a loan, as well as the printing of all required documents. If the bank uses automatic or semi-automatic scoring, it is possible to reduce the time of this procedure to several minutes.
"Express lending" is implemented according to the principles of "thin client", therefore it does not require installation in point of sale special software. This means that it is possible to organize a whole network of lending points in a short period of time, which will undoubtedly increase the demand for bank loan products.
For this it is necessary technical solution, which will contribute to a significant increase in the efficiency of considering an application and obtaining a loan at a remote point of lending. It should cover the entire technological chain - from receiving an application for a loan from a client to receiving a response from the bank and forming required package documents for granting a loan. It is necessary to integrate the "Express-lending" system with any means of automating lending installed in the bank.
"Express lending" is a system that has proven itself in practice, which provides an opportunity for banks in a closed territorial entity not only to increase the volume of lending to the population, but also the possibility of providing more expensive loans, which increases the bank's profit by increasing the interest rate.
It should be noted that competing banks in the city have been providing this type of service to customers for a long time, but real interest rates for this species lending are overpriced, for example, Home Credit and Finance Bank, the second largest player in the market consumer lending in Russia, offers this type consumer loans in the communication shops of the city at 36.6% per annum.
JSC "Opening" has a huge client base, own base credit histories, a system of trust loans, therefore, it can organize an effective and quick check of the client's solvency and set competitive interest rates for this type of lending with maximum benefit for the bank and minimal risk of non-payment.
2) New opportunities in the sector mortgage lending. Here, not only those banks that offer the best rates with the lowest payout costs win, but also those that bribe with the “originality” of the service. Among the original ones, one can name a proposal when it is possible to exchange apartments (sell the old one and buy a new one) with minimal risks. Of course, the simultaneous execution of two loans will be a big minus (which increases costs), but the benefits are obvious. Not so long ago, programs appeared in banks with the possibility of interrupting payments (for six months, for a year, etc. - the so-called credit holidays). The program is very interesting, especially for young families who plan to have a child in the future or who are afraid of their ability to pay. Rates are higher than standard, but a significant advantage of this program is to reduce the risk of non-payment of the loan. It is possible to provide loans with a delay, when the first year or two on the loan are paid only interest, and only later the loan is paid in full. This is especially beneficial for people who want to repay the entire loan amount in 2-3 years. In addition, the organization of revolving and non-revolving credit lines, youth loans, deposit loans can attract additional customers and increase the efficiency of operations.
There are several categories of banking innovations, among them:
Cash management and use of new information technologies;
Financial intermediation aimed at reducing operating costs and efficient asset and liability management;
The emergence of new products in traditional segments of the loan capital market (“floating” interest rate; deeply discounted bonds; money market instruments that have the characteristics of both capital and borrowed funds);
Innovations in new areas of the stock market (futures and options, commercial securities).
Domestic experience development of banking innovations is based on the current legislative and regulatory framework, which greatly complicates the rapid introduction of new banking services with rapid development banking system.
Thus, we can conclude that with the active development of the banking services market, there are no ideal concepts for offering services and attracting customers. Each has its weak points, but this is not a reason to consider them bad. The question is how much the advantages outweigh the disadvantages.
In the conditions of intense banking competition, the use of new tools and methods generally has a positive effect on the balance of pricing policy in the banking services market; emergence of innovations and development additional service, quality improvement banking services, including the growth of professionalism and qualifications of bank personnel, which ultimately affects the reputation and image of the bank.
Consider a project to introduce a new loan product for OJSC Otkritie - Express lending for the purchase of goods in city stores in order to achieve a higher share of the regional consumer lending market.
The Bank is recommended to introduce a new loan product. For this, it is necessary in large shopping malls cities and regions workplace a credit officer of the bank in the amount of 8 positions for 1 year (according to the banks of partners of retail chains, this type of lending brings an average annual income of 250 thousand rubles in one store or shopping center).
Expected result: an increase in the bank's income by 12%, profit by 18% and market share of commodity consumer lending. Analytical data are presented in the table.
Table 17 - The number of consumers of services can be determined by
indicators of already operating express lending points of other banks
Based on the data in the table, it can be assumed that the allocated credit funds will amount to 20,000 thousand rubles. rub. for the year, the interest rate is 25% per annum and calculate the bank's profit indicators (Table).
For calculations, we will take a pessimistic version of the volume of loans issued, in the amount of 20,000 thousand rubles. per year with an interest rate of 25% (normal rate by type of loan - express loan: 25-30%). This volume of lending can be provided in stores where the sales volume per day is more than 1,000 thousand rubles, because in the Russian Federation at the moment every fifth purchase is made on credit, therefore, credit points should be placed only in large stores of the city and region.
It is planned to issue 80,000 thousand rubles, during the year from 8 points of express - lending, the interest rate is 25% per annum, the income per year is 20,000 thousand rubles. by years - 5,000 thousand rubles each.
Table 18 - Planned indicators of the bank's profit from the placement of outlets
express - lending in the shops of the region
It is planned to increase in 2015: the number of credit points for issuing express loans for the purchase of goods by 8 places in the cities of the region.
To evaluate the effectiveness, we will calculate the payback period, as the payback period = costs / profit.
The project costs are 1 million rubles. including servers, computers - 8 units, printers - 8 units, rental of places in shopping centers, organizational expenses, software, recruitment and training of personnel, etc.
The cost of servicing points of express - lending will amount to 35,000 rubles. per month, including wages, technical support, rent.
The total costs will be:
One-time 1 million rubles.
Monthly 35000 * 12 months * 8 = 3360 thousand rubles. year
Total 1000 thousand rubles + 3360 thousand rubles. = 4360 thousand rubles. in year.
Planned income 16,000 thousand rubles. in year.
In this way, economic efficiency recommendations will amount to 11,640 thousand rubles. in year.
