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A cheaper ruble and coronavirus did not affect the work of Sberbank
Sberbank does not plan to raise mortgage rates, including social programs, but continues to closely monitor the market situation. A coronavirus pandemic will not affect the work of the bank.
Svetlana Kirsanova, Deputy Chairman of the Board, Head of the Retail Business Block, said that for several years Sberbank has been focusing on the development of digital services. At the end of 2019, 38% of customers made all their transactions without going to the branch, and of them 83% used the Sberbank Online mobile application.
Also, from year to year the use of cash is reduced. Last year, every fifth client did not withdraw cash from the cards. As Svetlana Kirsanova emphasized, such tendencies fit perfectly into the bank’s mode of operation in the context of the coronavirus pandemic.
“The main focus of our work is uninterrupted customer service on deposits and loans. There are no threats so far, the demand for the bank’s products and services is stable, the situation is fully controlled today and is stable, ”Svetlana Kirsanova noted.
Sberbank is now seeing a slightly increased demand for mortgage products. In 2019 alone, the bank issued 267 thousand mortgage loans worth more than 500 million rubles. There are several reasons for the increased demand for housing loans. Over the past year, Sberbank has updated the DOM.Click application, through which you can apply for a mortgage without leaving your home, select a property, and even see information about the house and utility bills. At the end of 2019, every second housing loan was issued in the application.
Moreover, clients who receive a salary on a Sberbank card may not fill out the questionnaire. For them, you can even apply for a mortgage loan in the mobile application. After such a request from the client, the bank can independently send a request to the FIU, receive information about deductions and draw conclusions about the client's solvency. The decision on a mortgage for salary clients is made, according to Kirsanova, in just an hour.
Now Sberbank has no plans to increase interest rates on any loans: from consumer to mortgage.
“We are closely following what is happening in the market, the rate reflects the current situation. But if there is a movement in refinancing rates, then our programs will adapt. Demand for mortgages is slightly increased, but there is no signal in the market to sharply revise rates on mortgages and social programs, ”Svetlana Kirsanova noted.