The full payment for the entire billing period (starting from 2016) will amount to more than RUB 50 billion. What will this money be spent on, and what benefits will the visitors of the post office and bank clients receive?
5 billion "Russian Post"
As the head of the Post Bank Dmitry Rudenko told RosBusinessConsulting at the beginning of 2018, in 12 months the financial structure headed by him should transfer about 5 billion rubles to FSUE Russian Post. This is a payment for the opportunity to work in FSUE branches.
By the way, similar post banks in other countries (financial structures created and working with the participation of state posts) actively use infrastructure payments, which give the right to work in post offices. This practice (as well as the creation of Post Bank itself) was adopted in Russia.
Cooperation between the bank and the post office is beneficial for the population as well. After all, we all somehow come across mail: we send and receive parcels, pay bills. Someone, perhaps, does this rarely, others from time to time, but many quite often come to the offices, and in remote settlements this is sometimes the only "window to the big world."
Pochta Bank plans to increase payments to Russian Post every year (this assumes its development strategy until 2023). So, in the first year of cooperation (2016), 750 million were paid, in 2017 - already 3 billion. In total, the Post Bank will transfer about 54 billion rubles to the partner.
At the same time, the year 2018 is the final period of active promotion of the bank to the regions of the country. The largest number of outlets, according to the same strategy, should be open just before the end of 2018. Starting from 2019, the process will slow down, but it will continue - on average, it is planned to launch a thousand branches of the Post Bank in the branches of the Russian Post. Ideally, all departments should be covered. The task is not easy (after all, there are about 42 thousand of them in the Russian Federation), but doable.
What bank are we talking about
Pochta Bank is the brainchild of VTB Group and FSUE Russian Post. It was founded in 2016, each shareholder has 50% of shares minus one (the remaining two were bought out by Dmitry Rudenko).
Post Bank positions itself not only as an accessible structure for every Russian citizen geographically, but also as a financial organization that offers its clients very attractive terms of cooperation. Among them:
- Working with pensioners (traditionally not the most desirable credit clients in commercial banks);
- Implementation of convenient, simple and intuitive mobile applications;
- The service of all its visitors, current clients and potential (those who just came to the post office) is at a high level.
Russian Post is a state unitary enterprise, and the state is the main shareholder of VTB. All this should lead to the fact that the Post Bank in our country promises to take a strong position, its integration with the post office (as well as, possibly, mutually beneficial payments) will continue.
