Car Lone Market Drive Click Bank Chairman, Sberbank’s Sub -Company (Moex: Sber) “Gamersant” sources say they will soon leave the market. The retail portfolio will be transferred to the maternal structure, which has already received almost half – 180 billion rubles. Experts believe that the restructuring is being carried out to reduce the internal -group administrative costs: the car loan division itself is attractive to banks.
Since it is known to the Gamersand, this year plans to close down a click’s bank subsidiary who specializes in car loans this year.
In September 2012, Esperbank concluded a transaction of 70% of the acquisition of PNP Pariba Wostak Bank from the French group PNP Paribas. In 2013, Sberbank’s share increased to 74%, and the bank was renamed as Cedel. In 2020, Seberbank announced that he would become the only owner of Setalem. By the end of 2022, the Sedal Bank Drive Click was renamed as a bank.
According to the Avostat, Drive Click Bank is a leader in the Russian car loan market. According to the Central Bank, as of January 1, 2025, the bank finished 13th in terms of retail loans. Since September 2024, his debt portfolio fell from 408 billion to 226 billion rubles. By the end of this year, the speed of reduction in portfolio increased – in September and October it lost a slight more than 20 billion rubles, and in November, it was 47 billion rubles in November and in December – 78 billion rubles.
As a source of a large Russian bank stated to Kommarchand, the retail credit portfolio drive click is related to the replacement of loans under a allocation agreement. He said that a source of car loans involved in car loans said that a portion of the Drive Click team had already been transferred to Esperbeng and that his entire business was planned this year to the maternal structure. According to another source of the situation, the drive click will stop offering car loans after February 14, but it will continue to replace Esperbank’s portfolio and then dissolve.
Sberbank did not immediately comment on the situation.
Experts believe that S. Berbeng has decided to remove the biggest player in the car loan market to reduce costs, but he is unlikely to get more savings. According to the MVA-Professor of the Raneba Digital Fund, Alexei Voilukov, by the dynamics of the portfolio drive clicking bank, in September, S. Percank made many decisions to improve the cost of management to all car loans to reduce the expenditure of all car loans to reduce the costs of all car debt. In the complex passage of the year. “Portfolio has been properly curled for four consecutive months, and the inactive part in the form of interpank debts is reduced, and it is very possible that these debts are from Esperbank,” he says. In support of the edition that the drive -clicking bank was taken in September, the fact that the portfolio of his retail loans has increased from the beginning to August, the fact that the portfolio of his retail loans increased by 100 billion rubles. Only in September began to decline.
R.F. “Dissolve, when there are qualified employees of the bank, customers are also protected, and even the Sberbank brand for customers will be more understandable than the strange drive click,” he says. At the same time, most customers are not willing to take 30%loans, respectively, the flow of applications falls, and the existence of a separate bank for car loans means the quality of credit portfolio disappears from the sloping of “insurance” and the expert concludes.
Other large banks involved in car loans increase assets – four of the five banks that increased more than 50%over 50%over the past year (see Kommarsant on February 5).
