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“The shift in the banking paradigm,” comments Ruslan Mukhametshin “Delovoy Peterburg”

Banks refuse borrowers, preferring to serve the transaction, and the borrowers waive loans rates are above the profitability of their businesses.

"Cross–selling is an actively developing direction. And there is of course an Implicit conflict (between the Bank and the company which services it sells. — Ed.)if we talk about services–substitutes. First, it delays the part of the funds that could be received by the Bank in deposits. Second, if overlapping services are provided by the agency scheme, it requires more additional skills. However, in the long term there is an additional source of fee income for the Bank in the times when the income base from core activities declines", comments Ruslan Mukhametshin, head Consulting Department of "Prime advice".