Ilnar Shaimardanov, head of department on work with small business BSGV, said the results of the first year of the Bank Societe Generale Vostok in the SME sector.

«This is a fairly new direction open at the beginning of the crisis, about a year ago. From the outset it was decided to abandon the outdated strategy in which small businesses can only receive loans. We believe erroneous belief that small companies and entrepreneurs need only money. This is not so. Im, equal, and sometimes even more so than large enterprises need a wide range of banking products: from cash management services and deposit to the leasing, factoring and guarantee operations. Realizing the need of small businesses in all of these products, we have relied not so much to receive interest income from the placement of loans, but rather on commission income and income from other operations. As a result, for the first half of this year, 50% of the profits directions given deposits and balances, 40% was obtained for a commission services and only 10% – as net interest income from lending.

First same year, work has shown loyalty to the choice of the model and allowed us to talk about this as a new approach to servicing small businesses. So far at the state level and in the banking environment, talking about “supporting” small business, while long overdue to talk about a mutually beneficial partnership and cooperation ».

experts believe that today small business is strong enough, and the banks have to offer this major market a complete package of banking services.

«become the main source of income for the bank, lending a priori may not be available. Only moved the share of profits in favor of fees and deposit transactions can be provided with adequate credit conditions and an influx of new clients from small businesses. And those customers who are not covered by banking services, except for service checking accounts, today millions. According to statistics, around 95% registered in Russia, legal persons and individual entrepreneurs are the very subjects of small business. At low supply, it is a huge backlog and unsaturated market, which should be mastered by banks in the coming years ».

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