I would like to write about the centralization of the Depository, although this is a rather narrow area in the bank, but has recently been in great demand.
Firstly, I want to say "many thanks" to that "genius" who came up with the idea of centralizing the Depository. I have not experienced such shame in front of clients for a long time. I want to start with the fact that the Depository is engaged in accounting and storage of shares of our clients, and since recently the interest in the stock market among the population has significantly increased, accordingly, more clients turn to the bank for services and many of the clients remember that they own shares that they were once, somewhere, given out to whom on account of the salary, who inherited the inheritance, etc., etc.
Loan depot
The idea of centralization is that if last year access to the AIS "Depositary" was available in all large and not so large branches, i.e. when a client applied to open a Depo account (a special account for shares), the branch independently opened an account in 20 minutes, now access to the AIS Depository has been closed, and a client's account can only be opened either at the head OSB level or in the TB. The biggest problem concerns share transfers. Those. when clients want to transfer their shares from another bank or some companies to our bank. Here are 2 lists of how it was and how it became.
As it was:
1. The client applies for opening a DEPO account (for example, he wants to transfer shares from GAZPROMBANK to SBER), the account is opened immediately - the trading section is on the next. day., i.e. in fact, if a client comes on Monday, on Tuesday he has all the details of an open account.
2. On Tuesday, with the details of an open account, he goes to Gazprombank to make a transfer. The transfer in Gazprombank is done immediately.
3. On Tuesday, the client returns to me with a report on the transfer, and I accordingly dial the reception of the transfer, which immediately leaves by e-mail to the TB.
4. Pays the commission for accepting the transfer (the commission falls to our income account).
5. As a rule, on Thursday-Friday, the client's shares are already in our department.
6. As soon as the transfer arrived, I call, notify the client that the transfer has arrived, everything is in order, the client is happy, says: "Thank you for the promptness and for the call."
How it happened after the access to the AIS Depository was closed:
lack of interest-Loan depot
- On Monday, a client applies for opening a DEPO account. And then such a big Zh__A immediately begins. smile: wall: A new program in which the data of the CSDBO client is now typed, in order to then upload this data to the Depository of a higher bank, which has access to it, it came absolutely raw. when typing the client's data in the reference book, you can not only fail to find the street where the client lives, but even if a miracle happened, it is not a fact that the data will be checked in KLADR (this is the address data is checked).
- And if the program did not pass the check-in KLADR, then the data cannot be sent to the client, but the client sits and waits at this time (he also listened to the advertisement on TV: Sberbank is simple, professional! Smile: D). At this time, the clerk, quietly swearing, begins to select accommodation options for the client, and so that it also coincides with the postal code, and since nifiga does not work, then already swearing in a low voice begins to call Moscow in order to nevertheless find out how this Miracle works - program.
- Receiving recommendations from Moscow on how and where to poke (I will say right away in the instructions it is not written that the program is just a Miracle), this is provided that you still managed to get through by swearing almost in full voice. an hour of working time has already passed. Finally logs customer data.
- At this time, the client has time to tell where and by whom he works, discuss the news of the stock exchange, get to know the employees, empathize with the teller, and much more. He, too, begins to rejoice when FINALLY in an hour his documents are ready. Signs documents, joyful leaves, do you think until Tuesday? .. Not a fact ...
- We must send a scanned copy of these documents to the superior bank. And here's the question. Do you think that brokers should be provided with scanners, was it written in at least one letter? That's right, not in one! smile: nunu: This scanner should be searched for by the broker itself. The department has two scanners. One for an employee who is constantly absent, the second for someone who is constantly busy and whose jaw starts to break when you appear. I ask him: "Let me use the scanner, okay, let me." And yes, this employee is sitting on another floor, but we are persistent - we pass this test too.
- And these scans now need to be signed by the head's EDS. Guess how many times you need to call/run/fly to the head to find him on the spot and sign these.
- Lo and behold, the files are signed, we send them to the higher bank, where there is access to the AIS Depository. Do you think that a DEPO account will be opened for me that every day? smile: D This will not be Sberbank ... The girls who sit in the Depository, if earlier they entered documents only for their own bank, now they are entered/loaded from the entire nearby territory. Guess how many times their load has increased?
- Well, okay, the account is finally opened, let's say a miracle happened on Tuesday (registered on Monday), the trading section will open on Wednesday. One day has already been lost for the client, and it’s scary to imagine how many nerves a broker has.
- To find out the details of the sales department, if I call a higher bank, guess how many calls the Depository accepts from all branches? So on Wednesday afternoon, I'll find out the trade section number. You can call the client.
- A client comes, gets the details, goes to Gazprom, makes a translation, brings me a report - all this has not changed as before.
- So, the most interesting - the most ingenious, in short, the most. I cannot accept the translation for the client! How why? I was cut off access to the AIS Depository and these powers were removed from me. Dear "genius", the author of the idea of reorganizing the Depository, have you ever tried to fill out the OS-24 Accept Transfer Form yourself? Try it! Even if I give you a blank form, you will never fill it out yourself! Now think about how it will be filled, for example, by your mother or your grandmother or just a worker from the factory.
- Why experiment with clients? This is just a disgrace! Therefore, I fill out this form to all clients myself, they only sign. And then the Stone Age begins: the client must send this form by registered mail to the bank where there is a depository (where they opened an account) or go in person. It especially pins when pensioners come, they just barely walk, where should they go to another city, provided that only one way has to go for 4 hours?
- .. How, - I ask you, - I have to explain to the client that, despite the fact that I have a computer and have a connection with a higher bank, the client must send documents by mail? Who invented this insanity? By the way, the commission for the transfer is now transferred to the account of the superior bank, that is, I am no longer interested in these operations.
- Let the letter go for 7 days, until the superior bank receives it, the office will register, give it to the Depository for execution. Well, let it add another 2-3 days. The translation itself is going on, let it be in the old way, let's say 2-3 days.
- The bottom line. From Monday, 2 weeks will pass until the moment when the shares will be with us. And this is the best case. Do I need to say that during this time the quotes can change significantly? What is the opinion of clients about Sberbank? Who came up with the idea of putting raw programs into operation?
Although now there is no such kind of depository services in the department according to the documents, in fact, we are now doing even more. A lot of unnecessary gestures and a waste of time, lack of interest in such operations. the commission goes to another bank?