The clients used within two months of isolation to the online service, after removing most of the restrictions are slowly returning to banks. Now the largest banks have already opened more than 90% of the offices, some talk about restoring the flow of customers to pre-crisis levels. Although the experts expect to offset the audience in the online at the end of the pandemic, the banks are not yet ready to reduce network and consider the service in offices not less popular than before.After withdrawal in many regions, the main constraints related to the pandemic, the Russian banks began to actively restore service to customers offline. VTB operates more than 1.3 thousand offices, 93% of the total, the Bank said. This week will be points in all the regions. In PSB, which has several hundred offices in Russia, opened 95% of the branches, the rest will work soon. Gazprombank works 90% of the network (361 division), from July it is planned to launch the remaining. In Rosselkhozbank operates 97% of the network — more than 1.3 thousand points. In “FC Opening” opened 97% of the network of 602 points, as the lifting of restrictions will open the rest. In the “Eastern” works 97% of the branches, except those that are not yet restored the torgtsentrov. At Alfa Bank, which had closed offices and transferred them to the shorter days, up to 90% of the offices back to the previous schedule.During the regime of isolation, the share of working units was much less. So, VTB decreased to 64% in the “FC Opening” was 60-70% in Gazprombank — 67% in Sovcombank — about 65%, PSB — at least 75%, at ROSBANK — not below 70%.In the savings Bank, all offices which are running in standard mode since the beginning of April, noted that in may the decline in March was only 25%. In the Mail Bank the number of customers visiting branches, is already 65-70% from March, said the first Deputy Chairman Georgy Gorshkov. In ROSBANK by early June, “the number of customer requests to the Bank almost back to the standard level.””The situation with COVID-19 gave rise to an increase in the number of active users in remote channels,”— said the Director of the Department of development and efficiency of retail business of ROSBANK Vladimir Korobov. Head of sales channels Raiffeisenbank Maria of forestry nail Magdeev said that after the removal of the restrictions will be there to work on the principle of Digital First.Sharp increase in flow in the branches is possible only for a limited period after their discovery at the expense of customers who transition to online difficult, said a senior Manager of risk management Department of Deloitte Denis Gavrilin. On the one hand, the limitation period was sufficiently long that users got used to the new format, he says, on the other hand, “good job on improving the customer online experience and increase ifthe quality of such services”. Director of retail and mortgage sales PSB Artem Hams said that the Bank “is considering the possibility of optimizing the retail network by 10%”, but will continue “to open offices in those regions where there is a relevant business need”. Alfa-Bank said that they did not plan reduction of the branch network after the quarantine. In the savings Bank believe that the rapid recovery of client flow “indicates the demand for offline services.” In addition, the Bank is developing branches providing a wide range of services and products from their own ecosystems, not just banking. “People learned to make simple operations in the mobile Bank. To estimate what proportion of customers will return to office, and which will remain in digital form using two to three months”,— concludes the senior Vice President of the Bank “FC Opening” Alexey Verhotin.Olga Cherenkova
