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The Bank’s strategy for 2010—2012 envisages its further development as a universal high-tech credit institution with priority development of its sales network in the key regional markets with the highest outlook.

Key development directions:

  • Making the Bank’s operations more client-oriented by improving the quality of front-office employees’ work and increasing the efficiency of business processes;
  • Priority development of the Bank’s IT technologies: switching to a new technological platform and centralizing all IT decisions;
  • Increasing the efficiency of Bank operations. The key focus will be made on concentrating the Bank’s business on key markets, tightening its network in key regions of operations, optimizing business processes;
  • Launch of a new product line for Retail business.

The corporate business strategy is to diversify the loan portfolio by attracting large and medium-sized corporate clients with a client-oriented approach and quick decision making. Another important field of development will be strengthening the corporate bloc in the key regions of Bank’s operations.

The retail business strategy envisages fast development of consumer lending. The Bank sees the main opportunities for dynamic growth in promoting credit cards and in mortgage lending. The priority tasks set by the Retail bloc are to increase the loan portfolio and considerably expand the client base, as well as increase income per client.

In the investment business of the Bank, the strategy sees building a quality system of market analysis and offering investment services to third parties. These steps will help the Bank not only to receive additional profit, but also to reduce interest expenditures.

The implementation of the strategy will allow the Bank to fulfill tasks and reach targets set by the shareholders and will help strengthen MTS Bank’s positions on the financial market.

Currently, a strategy for restructuring the Banking group’s subsidiaries is being put together, and is aimed at reducing operating expenses, improving management control, and increasing the profitability of these companies.