FIGURES MAGIC

Results of SKB-bank work for 2012 impress not only by their dynamics of growth, but also by interesting coincidences: RUR 60 billion were obtained in the form of deposits of the population and RUR 60 billion were lent to individuals. 35 billion funds of legal entities were raised and 35 billion funds were placed by crediting of legal entities. "Such a balance of figures is a perfect condition from the point of view of assets and liabilities management. Solving a problem of growth, we beautifully synchronize our target segments of business,"- Vladimir Pukhov, chairman of the board of bank noted.

The strategic priorities of SKB-bank are consumer lending and small and medium business lending. Let us note that SKB-bank is in the TOP-20 in terms of the portfolio of credits granted to the population. It is among the 25 largest banks in Russia in terms of the amount of deposits.

MORE THAN 200 FLAGS ON THE MAP

The wide branch network is one of the key achievements which has officially allowed SKB-bank to become a federal credit organization and to win recognition of the Association of Russian Banks. Today SKB-bank has over 200 fully functional offices from Kaliningrad to Petropavlovsk-Kamchatsky (from the West to the East) and from Murmansk to Cherkessk (from the North to the South). The bank has proved its own technology of network expansion which allows to open 50 new offices annually. In as little as two years the organization increased the number of the sales points twice and now such points are in every federal district of Russia.

A favorable office location is a first-priority requirement for opening of a new point. It shall be located in a very public place. The distinctive feature of the network development strategy of the bank is its standardized requirements to the infrastructure and the equipment of offices, from the area to the color of wall-paper and furniture.

SIMPLICITY AND FUNCTIONALITY

"Strength of simplicity" - following this simple, but magnificent principle, SKB-bank has achieved the highest success in business in a few short years. The bank makes each product and service maximum available and intuitively clear for the clients. For example, SKB-bank's Internet service "Armchair bank" illustrates the principle "strength of simplicity": all frequently used options are brought together, but not to excess. It is not by chance that the "Arm­chair bank" is among the three most functional systems of Internet banking in Russia according to Expert RA. SKB-bank can easily find its client in any region, irrespective of a competitive environment, offering the population its high-technology products and comfort service.

BANK WITH A SENSE OF HUMOR

The first national bank with a sense of humor - this revolutionary advertizing positioning in the market was chosen by SKB-bank. It is a long-term history and a real pride for the credit organization to become the first who started using humor in banking. Now the bank is among the five brightest bank brands (according to RBC. Personal finance). All the country was absorbed in the slogans on the billboards styled on Soviet, for example: "You're bored of hearing god-mother's yelp? Buy her a flat - a mortgage will help!" "Do you want to be a star? Get a credit, buy a car". The bank has recently finished an advertizing concept using V. Vishnevsky's short poems. All clients liked the slogans "Our mouth is always open to a dialogue", "Ah you are not a sponsor? Put down the fork" or "You laughed for a pot of money!".

A new advertizing campaign with the working name "SKB-bank's Periodic table", where all banking products were represented in the form of chemical elements, was started in autumn of 2012. Besides that anybody who wants is offered to create his own element which can be inserted in general periodic table. Even now there are some bank elements from clients "pass-breakers" in the table: "Siliconium", "Wheneedium", "Validolium" and many others. We think that a kind smile and humor create good mood only. But we work with money seriously, -Vladimir Pukhov said.

THE BEST BANK OF RUSSIA -THAT IS WE!

In December, 2012 SKB-bank won one of the most prestigious nominations of the National Bank Award of the Association of Russian banks - The best bank of Russia - 2012.

This award provides for evaluation of banking services quality according to ARB standards, and to the European fund of management quality and the Government of the Russian Federation Award in the field of quality. The largest credit organizations of Russia took part in the program, but services of SKB-bank were declared the best. "The banking Olym­pus of Russia is a successful platform for further growth," - Vladimir Pukhov concludes.