Contracts of assignment of claims
Contracts with banks borrowing on assignment of debt borrowers
Conclusion of agreements on compensation for tangible assets, including bank customers from borrowing and their subsequent implementation or statement on the bank's balance sheet.
. In parallel with the work on collecting arrears legal service carried out all the necessary formalities for the production of notary inscriptions refer cases to arbitration courts, seizure of property and other assets of borrowers, blocking correspondent and current accounts. This provides the necessary impact on the borrower in order to induce him to fulfill all the necessary measures to return the loans.addition, materials for a variety of borrowers in 1999 were referred to law enforcement authorities for criminal cases.
. If all the above measures failed to repay the loan due to lack of funds or assets of the borrower, the legal service on the basis of a forensic artist refer the matter to Court for an act of uncollectible and written off against the allowance account., in 1999, offices and OPERA Samara Bank SB RF AK was written off against the allowance for possible loan losses loans totaling 34,109 thousand rubles, including:
Corporate loans .............................. 17 641 thousand rubles
Loans to the population .................................... 183000 rubles.Department of the Office of the bank lending Samara AK SB RF data based on monthly statistical reporting form number 18 and database departments and OPERA placement credit - ARM «loans» analyzes the issuance and repayment of loans, and if necessary, the employees of Lending field visits to verify performance and help employees credit services departments.offices in Samara 12.09.1995 AK Bank SB RF operated ARM «loans» which allows accompany each loan from the date of issue until its maturity, including the maintenance of the account of the borrower. Information on all loans granted, which has offices in the communication lines for each state change the account and the credit agreement is transmitted to the control of bank lending and thus provides a database on corporate loans. In the future, the lending bank service task is to go to the daily updating of the database on corporate loans and population. Based on a database ARM «loans» organized analytical work on the loan portfolio of the bank of Samara. All this increases the efficiency of work of Samara bank.impediments in 1999. More efficient use of credit resources and increase the risk of credit, we can assume the following:
Due to the presence of high levels of arrears (especially in the third quarter of 1999) Samara AK Bank SB RF to reduce the risk of loan default is preferably carried out loans proven highly reliable clientele under lower interest rates to ensure minimal risk of non-repayment of credits.the statistical data on the size of loans provided for 199 9 (Table number 4).
number 4of loans in 1999.
Size of a loanNumber of borrowersAmountu% Of totalthousand rubles% Of total12345100026538, 971127 660.24561000 - 500021231.18523 556,54265000-1000010114.85161 094.32810000-500008312.21120 820.74550000-100000131.9160 410,373100000-50000060.8820 136.791In total68010020136...
