Some advantages

First of all, we are trying to decide - what banks are considered major and which are medium and small. Just note that a clear definition of the dimension and magnitude of the banks do not. But the thought that all banks, not included in the first twenty leaders in terms of assets - medium and small. Therefore, conventionally, in the category of smaller banks are quite well known in financial institutions, leaders in their segments (eg, the bank Arcade or Delta Bank).

These banks, occupying a niche in the market, concentrated either in the promotion of specialized products, or to meet the needs of specific target segments, not trying for sure. This specialization allows them to improve the services that the customer is interested.

In addition, small banks are very convenient and profitable. The office of the bank may be near your home, and deposit conditions are not worse or even better than a big bank. The level of service in small banks tend to be more: practically no queue managers do not suffer from arrogance, attentive to the visitors and give enough attention to each client.

Issues of service, of course, is far from basic. The main thing that attracts small and medium-sized banks - this is high stakes. They can be found to deposit excess 1,5-3%. A more medium and smaller banks like to hold a variety of actions of loyalty and attract customers with special programs. They account for more than 80% of all of the country's banking shares. From time to time, the investor may participate in the prize draw.

The burden of choice

for the bulk of natural persons the size of the bank and its position in the ratings do not have special meaning. Where important territorial proximity and the possibility of the bank to meet all the needs of a specific client.
Cooperation with small banks, it seems very tempting. Disheartening is that most banks, the collapse of the victims were just small and medium-sized. But should not make hasty conclusions.

small banks differ. There are those that are building up their assets relatively slowly - to the extent of its conservative policy of doing business. Such conservative banks are developing more slowly due to the fact that seek in their operations to achieve maximum reliability.

They

unusual aggressive policies to attract high deposits, which, in turn, is not forced to resort to aggressive lending policies. Thus, the loan portfolio generated a high degree of reliability.

When the bank client, it is important to undertake a comprehensive analysis of financial condition and tariffs offered by the bank. Therefore, professionalism and individual approach to each client, respect of payment discipline, conditions of contracts are more important than the size of the pot and place in the ranking.

To study the financial performance of banks, their resistance developed system of coefficients. But unfortunately, for the calculation of many needed the data to which access is restricted. However, something that can be found on the Internet. Detailed information in the form of balance sheets and financial results is on the sites of banks.

financial condition of the bank is the number of indicators. They can be divided into groups: indicators of capitalization, credit risk, asset /liability and data on liquidity and profitability. Click to continue »