Strategic goals
• Strengthening of loyalty of all groups of clients and attraction of new clients
• Qualitative change of level service of mass segment
• Optimization and modernization of branch network
• Extension of the list of services rendered by means of remote sales channels internet banking, mobile banking, phone banking, ATM and multimedia kiosks, Contact-center
• Improvement of credit portfolio quality, including within the framework of participation in state programs of subsidy assistance of borrowers
• Improvement of Net Interest Margin (NIM)
• Further improvement of credit ratings
• Development of uniform principles of corporate governance with priorities of achievement of synergic effect on profitability and efficiency of main operational processes for Group as a whole
