Experian 2009 Annual Report Download - page 35

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33Experian Annual Report 2009
Introduction
2 – 7
Business review
Financial review
Governance
44 – 72
Financial statements
73 – 148
33
Sberbank is Russia’s largest bank, with over 6.5 million retail
customers, served through more than 750 branches and 20,000 sales
ofces. The ability to maintain tight control of lending decisions
across such a large network is a major priority for the bank.
During 2008, Sberbank began a multi-stage project to implement
Experian’s full suite of Strategy Management systems in order to
centralise the control of its lending strategy and enhance decision-
making at each stage of the bank’s relationship with customers.
Strategy Management will be used for deciding whether to accept
customer applications and on what terms, monitoring customer
performance and determining the best time to offer new products
and, if accounts fall into arrears, deciding on the appropriate
follow-up actions.
Vadim Kulik, Director of Sberbank’s Centre for Development of
Centralised Retail Credit Back-Ofce: “Experian is providing Sberbank
with the most advanced analytical technologies to control our lending
operations. These will give us much greater control of risk, while
increasing our business effectiveness and enabling us to automate
millions of decisions each year. For our customers, it will mean we can
make faster decisions and offer products that are more relevant to their
individual needs and circumstances.”
INTRODUCING THE MOST ADVANCED
DECISION-MAKING SYSTEMS
TO RUSSIA’S LARGEST BANK