Q.: Centre Invest Bank CEO Vasili Vysokov was quoted as saying last year that under crisis conditions, it was the regional banks that saved credit financing of the economy. What did he mean? Was the role of such bank as yours so significant indeed?
A.: The size of a bank is not evidence of its stability nowadays. What is much more important is the bank’s factor of safety. If a bank assumes some extremely high financial liabilities or takes part in some potentially highly profitable but risky operations, very often it may find itself just a step from the abyss. Look at how many really big banks lost their licenses during the last year and a half.
A very important factor is that regional banks as a rule are not backed by government, which proves the fact that they always rely on their own resources and opportunities only. It is not the state support but common sense that lets them be efficient in most difficult time even. That is what Mr. Vysokov meant: while most federal banks reduced their credit programs or made them physically out-of-reach by raising their interest, the Centre Invest kept its rates at the minimum possible level providing business companies with the money they needed.
Q.: It is said that banks are not very enthusiastic about financing activities aimed at reduction of power inputs – but in case of the Centre Invest, this activity is a key one. Why is it so?
A.: For any business, competitiveness is an important factor. It is all about reduction of expenses, including at cost of power-saving technologies. Although it becomes especially important under current economic conditions, we started working on it much earlier – as far as in 2004 we began to finance the introduction of power-saving technologies. The European Bank for Reconstruction and Development is our partner in this activity.
Q.: What are the main principles of the crediting policy? Whom are you ready to help and on what terms?
A.: The Centre Invest targets responsible customers, ones who are well aware of their business and are prepared to develop it. We are interested in people that understand their market and are able to calculate the risks – and we are ready to offer loans at minimum interest rates. The closer our customer cooperates with us including salary projects, the lower the interest rate is.
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