Over the twenty years of Russia's existence, financiers have managed to create a more or less reliable banking system. At the moment, it cannot be called perfect, therefore, with due diligence, you can find a place in the financial market and open your own bank.
Instructions
Step 1
To work successfully in the banking system, you need to be able to competently manage financial flows. Without engaging in the production of goods and services, bank owners are able to earn on other people's capital. On average, the payback period of a bank is five to seven years, provided that the bank's annual income is about 15% of the working capital. This percentage can be increased with the help of competent management and the use of modern technologies.
Step 2
The procedure for opening a bank can take up to 12 months or more, since it includes paperwork (including licenses), recruiting staff, renting premises, etc. The minimum authorized capital should be 200 million rubles, only then can you enter the market. Pay special attention to the name of the future financial institution, it is this name that will help you take the right position in the market. If you are at a loss with choosing a name, consult a marketer.
Step 3
In addition, you need to choose a strategy that your bank will adhere to. To do this, you need to know what kind of financial services are in demand among clients. Recently, consumers are most often interested in mortgage and consumer loans, as well as loans to help develop small and medium-sized businesses. Most banks use a universal approach in their activities and maintain a sufficiently large staff of specialists, which allows them to reduce risks when working with clients.
Step 4
Over the past five to six years, the mechanism for opening a new financial enterprise has been complicated by the Central Bank of the Russian Federation in order to control the number of such organizations in the country. Experts believe that it is most profitable to buy an existing small bank and start developing it. Its cost can range from $ 2-3 million and more, but with a competent organization of the workflow, in a few years you will be able to get a bank recognizable in the market, the services of which will be used by a large number of clients.
