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KS BANK - Empowering Financial Services in Mordovia

Get to know KS BANK, the largest regional bank of Mordovia, offering a range of services including utility payments, mobile banking, school card system, energy conservation investments, and robust credit risk management solutions.

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KS BANK - Empowering Financial Services in Mordovia

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  1. Mordovia with capital city of Saransk is located in the center of the European part of Russia

  2. Mordovia’s largest regional bank

  3. Branch Network • 43 branches in Mordovia • 3 branches in Penza (neighboring region)

  4. ATMs and Financial Services Kiosks 54 ATMs 105 financial services kiosks Functions: Paying routine bills, fees and taxes (utilities, phone, Internet, legal fees, taxes etc.)

  5. Up-to-day ‘Gorod’ Transaction System for utilities’ payments processing. Utilities’ payments market share in Saransk: 80+% Utilities’ Payments

  6. Welfare Accounts KS BANKholds 230K+ special subsidizing welfare accounts

  7. “Mobile Bank" system isa brand new service for card accounts’ management Mobile Bank

  8. School Card • Issue of a “school card” 2. Crediting personal account using financial services kiosk 3.School canteen checkout

  9. Investments in Energy Conservation KS BANK takes part in utility submetering investment program (as a loan granter) which provides for energy efficient water and gas meters installation in apartments

  10. Shaareholders’ General Meeting Board of Directors President (CEO) Executive Board ADMINISTRATION FOR ECONOMIC ANALYSIS AND RISK ASSESSMENT Risk Assessment Dept. Financial Analysis Dept. Credit Committees Liquidity Committee Limiting Committee Assets and Liabilities’ Management Committee Security and Operational Risks’ Committee Risks Control Structure

  11. Methods for Credit Risk Management • Setting up credit risk limits; • Сredit securing (collaterals, warranties and guarantees); • Preliminary (before loan granting) appraisal of a borrower’s creditworthiness: analysis of financial accounts, documents, shareholders structure, credit history, borrower’s business and industry risk; • Collective decision on loan granting; • Loan loss reserves; • Monitoring of financial status of a borrower, performance of loan liabilities and other credit risk factors within the period of loan; • Monitoring of loan’s securing.

  12. Using databases: Own database of utilities’ services Database of The National Credit Reference Bureau Credit Risk Management / Private Loans

  13. As of January 1st, 2012 problem loans of the Bank was 16,1 million RUR (approx. 0.5 million USD), which amounts to 0.3% of the Bank’s loan portfolio. Credit Risk Management KS BANK Loan Portfolio

  14. Liquidity risk – Liquidity Committee Interest rate risk – Executive Board Operational risk –Heads of departments. Information securityrisk – IT Security Dept. Market and Operational Risk Management

  15. Partnership with IFC • KS BANK is a partner in a joint program with International Finance Corporation (IFC) and Russian Regional Banks Association. • IFC deals with process, methods and risk management evaluation of the Bank before granting funds. • KS BANK’s risk management system considered adequate and sufficient by IFC professionals.

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