Sberbank intends to enter the market in high-risk lending business projects "from scratch" (startups) to expand its customer base. In order to reduce the risk of default, potential businessmen Savings with franchising companies offer ready-made business decisions. In this project, Sberbank risk a little money, but in Russia survives, at best, only one in four start-up, experts say.
The fact that the Savings Bank will soon begin to lend to start-ups, said yesterday the head of Small Business Management Sberbank Andrey Petrov. The pilot project will start on the bank next week in 20 cities, including Moscow. "For borrowers have age restrictions - at least 25 years of age and no older than 60, and the availability of the amount for a down payment - at least 30% (maximum loan amount - 3.5 million rubles.), - Said Mr. Petrov .- The term of the loan - 3-4 years. " As part of the pilot, which will last until the end of April 2012, Sberbank intends to issue 2-2.5 thousand credits before the end of 2013 - 25 thousand to finance pilot Savings Bank plans to allocate 170 million rubles.
Savings at the same time willing to lend to start-ups are not any, but only from a pre-selected portfolio of business models involving franchise companies (in the program already involves ten partners) in services for people (mini-restaurants, beauty salons, travel agencies, early childhood development centers and , etc.). "Now we offer to budding entrepreneurs business ready 12" turnkey "," - said Mr. Petrov. By the end of the pilot model projects the number will increase to 30.
500 thousand rubles
Loans for start-ups in the banking market is not developed due to excessive risks. "I do not recall any similar projects in any of the other banks - it looks like Sberbank sets a precedent," - says the analyst of "Sovlink" Olga Belenkaya. According to a member of the Board of Raiffeisenbank Oxana Panchenko, project financing "from scratch" is not common in the market because the risks are great and trudnoprognoziruemy. "In the absence of mortgage lending is actually an idea that can shoot, and maybe not" - points to the head unit "mass business," Alfa-Bank, Mikhail Povaliy. According to Olga Belenky, "mortality" of enterprises in the first year of life - 40-50%.
In the Savings Bank did not disclose what percentage of no return expected for the program, however, believe that the ready business solution developed jointly with partner franchisor - the key to successful project implementation in 99% of cases. Drawing on a franchising company, Sberbank receives additional guarantees, and offering a ready-made business solutions that eliminates a large amount of analytical work, so this project can be successful, managing partner agrees to "2K Audit - Business Consultations" Ivan Andrievsky. However, practice shows that even with the optimistic scenario, only one of four start-ups is being successfully implemented, indicates director of banking products FY BCS Alexander Derjaguin.
"Savings Bank has the necessary resources in order to take a chance to do so unreliable, but interesting in terms of availability area perspective," - the analyst IFC "Solid" Elena Yushkova. Even if the Savings Bank will target 2.5 thousand loans to a maximum of 3.5 million rubles. each, a total amount of 8.8 billion rubles. that will not significantly degrade the quality of the 7-trillion loan portfolio of the Savings Bank, agrees Olga Belenkaya.
The fact that the Savings Bank will soon begin to lend to start-ups, said yesterday the head of Small Business Management Sberbank Andrey Petrov. The pilot project will start on the bank next week in 20 cities, including Moscow. "For borrowers have age restrictions - at least 25 years of age and no older than 60, and the availability of the amount for a down payment - at least 30% (maximum loan amount - 3.5 million rubles.), - Said Mr. Petrov .- The term of the loan - 3-4 years. " As part of the pilot, which will last until the end of April 2012, Sberbank intends to issue 2-2.5 thousand credits before the end of 2013 - 25 thousand to finance pilot Savings Bank plans to allocate 170 million rubles.
Savings at the same time willing to lend to start-ups are not any, but only from a pre-selected portfolio of business models involving franchise companies (in the program already involves ten partners) in services for people (mini-restaurants, beauty salons, travel agencies, early childhood development centers and , etc.). "Now we offer to budding entrepreneurs business ready 12" turnkey "," - said Mr. Petrov. By the end of the pilot model projects the number will increase to 30.
500 thousand rubles
Loans for start-ups in the banking market is not developed due to excessive risks. "I do not recall any similar projects in any of the other banks - it looks like Sberbank sets a precedent," - says the analyst of "Sovlink" Olga Belenkaya. According to a member of the Board of Raiffeisenbank Oxana Panchenko, project financing "from scratch" is not common in the market because the risks are great and trudnoprognoziruemy. "In the absence of mortgage lending is actually an idea that can shoot, and maybe not" - points to the head unit "mass business," Alfa-Bank, Mikhail Povaliy. According to Olga Belenky, "mortality" of enterprises in the first year of life - 40-50%.
In the Savings Bank did not disclose what percentage of no return expected for the program, however, believe that the ready business solution developed jointly with partner franchisor - the key to successful project implementation in 99% of cases. Drawing on a franchising company, Sberbank receives additional guarantees, and offering a ready-made business solutions that eliminates a large amount of analytical work, so this project can be successful, managing partner agrees to "2K Audit - Business Consultations" Ivan Andrievsky. However, practice shows that even with the optimistic scenario, only one of four start-ups is being successfully implemented, indicates director of banking products FY BCS Alexander Derjaguin.
"Savings Bank has the necessary resources in order to take a chance to do so unreliable, but interesting in terms of availability area perspective," - the analyst IFC "Solid" Elena Yushkova. Even if the Savings Bank will target 2.5 thousand loans to a maximum of 3.5 million rubles. each, a total amount of 8.8 billion rubles. that will not significantly degrade the quality of the 7-trillion loan portfolio of the Savings Bank, agrees Olga Belenkaya.
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