"We had a very aggressive objective to open, on average, one mini-office per working day. To achieve that, we will have to spend considerable time on recruitment, business management systems, etc. which we could not afford."

“We are working with only two or three service providers; we find this more effective in terms of administration and control. Along with quality and transparency of work, we have begun to focus on the providers’ ability and willingness to participate in t he bank’s other related projects”.

Nikita Khomutov, Head of Acquisition, Business Development Center, B&N BANK