To the citizens and businesses by and large there is no difference - on a large or small bank loan to take or keep their savings. Only a financial institution would be reliable, pay interest regularly and climb into debt is not forced. At the same time, it was the size of the assets and bank capital often depends not only on account of its staff to the customer, but also the ability to obtain adequate financial services. Why is it so - told the chairman of the bank "Integral" Stanislav Mikhaylishin collectors will not give up - It is believed that the more the bank, so it is safer. However, in crisis, unable to bear "raid depositors and unskilled management, along with a small almost went bankrupt several large banks. This demonstrated the high vulnerability to general economic disasters of all financial institutions regardless of size or famous name owner. If you talk about working in normal conditions - is there a difference for the client, in which bank held the money and where to get a loan? Size matters? - Is. But each group of banks depending on the size of capital and gain asset has its advantages. It is clear that the main advantage of a large bank - the opportunity to give a lot of relatively cheap resources for large businesses with a clear cash flow (cash flow, turnover. - Auth.), A clear and lucrative part of a huge amount of collateral. If all this is, in a large pot, you can expect to receive the resource. - For business situation is understandable. And for the citizens? - An ordinary citizen working with a large bank is certainly interesting. Because of the growing market, he may, as a business, get enough of cheap resources in the form of the loan. However, not the fact that it was good. We develop a range of client assessment - scoring system, each filled with a standard questionnaire, and stamped packs of "personal records" are estimated by the bank for internal standards. However, over the apparent availability of resources and ease of obtaining some of the risks lie. If everything will be curtailed, the market stops growing, the country's economic crisis will occur (the latter, for example), then the big banks will not deal with your problems. Wholesale customers as well as evaluated, will give a collection companies, where they will strongly push for debt repayment. Moreover, the compromises are unlikely someone would go. In fact in dealing with large banks operating formula: if you pay - all is well, if tripped, then you ran and did not even notice that you have. - Is such an approach is characteristic only for big banks? Collectors because the debtors to transfer not only the big and not just the banks ... - There is a fundamental difference. In the market there is a group of medium and small universal banks to which it belongs, and our bank. This group does not release the NBU, but it is, and the main principle of its work - every customer in the waiting room waiting for their home slippers. With regard to funding - yes, we can not finance the construction of factories, airplanes and ships, but to cover gaps in the trade balance can, like giving money for development of new directions. Clients of this treasure, because small banks to get that kind of money to a maximum of 2-3 weeks, including all procedures, while the big banks this time you will spend only on the negotiations, fill out the questionnaire, analysis of credit, etc. Besides, if something goes wrong and the client can not fully serve the loan, we tend not to send his case to collectors. Advantageous for us to have a healthy relationship with the borrower, and we are ready to support him at the right time. So if we see that there is a chance for a speedy recovery speed and profitability, and will always help a delay of payment of interest or operational restructuring. If not, honestly say that the client needs to go into minus. We fix their losses, he seeks sources of income, and then we return to negotiations. - Courts of clients frighten? - Sue - not a solution. It's expensive and exhausting - and for the bank and the borrower. Cradle of the middle class - So, higher rates on loans for small banks - a charge personality? - In principle, yes. But I would not say that the difference is big. If we talk about the hryvnia resource, it is only 2-3 percentage points per annum. For dollar loans, the gap a bit more. But recall that in view of the fight against dollarization, which leads the National Bank, we work only in foreign currency to the exporters (who have officially confirmed the currency earnings). - They say that buying plants planes ships you did not kredituete. Which is an annual turnover of the company, it makes sense to come to the small banks? - To us - to 100-200 mln. annual turnover. Anything more requires the attention of a large system of the bank. By the way, just in small banks originate a large company. Of course, then they go to service in major financial institutions, but some of the funds and flows continue to serve in his cradle. Moreover, I believe that the small banks - a prerequisite, the foundation for entrepreneurship and the middle class, about which so much talk. That's their niche. - According to your observations, where it is easier to take credit for developing business from scratch? - Definitely in smaller banks. They are more flexible. Here is an example. Five years ago we asked a company that is engaged in development of information technology. Its experts have come up with and patented a device to transfer recorded on an electronic medium of speech into text. Indispensable, especially for the trial, the equipment. The company's products today are installed in many countries on three continents, particularly in Russia and the U.S.. In addition to Ukraine - Officials here have created such conditions that, subject to kickbacks and bribes to work this company is unprofitable. So, the company survived the crisis and went on a world level thanks largely to it our support. And asked us, when all the eminent banks have turned away from her. - Providing loans to novice businessmen, you need to share in ownership? - No, only in exceptional cases. It was fashionable in the early 2000's. Today everyone understands - better to let one sells a product, while the other makes money. - Not so long ago, the entire banking system was shaken by a court decision, invalidated a loan granted in foreign currency. As a result, the borrower is one of the largest banks received "permission" not to return the loan. Case questionable, experts and lawyers say the legal grounds for such a solution is not, and still an interesting precedent. Among your customers come across such "Kulibina? - No. This is a problem for big banks with their scoring systems, credit assessment. However, one of our client was trying to hint that may apply to the court by the described example. But we are lucidly explained to him that we should not deceive the bank and himself. - So you do not recommend borrowers to follow the tastes of lawyers, enticing promises to cancel the loan agreement? - Definitely. Since the bank is always possible and necessary to negotiate. And do it better, easier with a small bank. And just did not return a loan - it is an open deception. Live with it will be difficult. - The previous government was very unfriendly configured with respect to small banks. The NBU's leadership has repeatedly said that the number of banks need to cut it at the expense of smaller ones. Has anything changed with the advent of the National Bank of the new team? What fate awaits small banks? - The confrontation between the owners of small and large (particularly foreign capital) banks really was. Its climax was the bill number 0884, which is sponsored by people's deputies, Rinat Akhmetov, Yuri Voropayev. If the bill was in its original form, the dozens of smaller banks could put a cross (the document contains extensive requirements for building banks' capital. - Auth.). But the Association of Ukrainian Banks raised a wave of protest, and managed to soften the requirements. So basically the point of the i already placed. Small banks have "ticket" for at least the next five years. I understand that at the highest level, this issue is closed. The authorities did not know before the end of what to do with large problem banks. They are not to small. If we talk about the relationship of small banks and the NBU, the parties still are looking at. Volodymyr Boyko, 2000.net.ua
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