Correspondent account 30101. Interbank settlements
With the help of coupons, Sberbank has learned to better manage queues at offices
Photo: Alexander Ryumin / TASS
In the future, perhaps, the interaction of a person with a bank will take place exclusively in remote access. And customers are likely to pay extra for the luxury of real communication as additional service, predict representatives of the financial sector. In the meantime, although more and more transactions are transferred to remote service channels, the flow of customers to banks does not dry out. Banki.ru studied how bank electronic queues are managed and how much time customers of the largest banks spend waiting credit organizations.
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Banks are one of those organizations where queues are inevitable. To effectively manage customer flows, credit organizations use electronic queues. Already, there are technologies that allow you to “stand” in such a queue without physically being in the bank.
Queue management systems are constantly being improved and refined in accordance with market requirements and customer requests, says Marina Moskaleva, head of the development department at Neuroniq. “Now you can be in the queue without being physically present in the branch, for example, using the “remote viewing of the information board” function. The printed ticket with the queue number contains a generated QR code that allows you to track the status of the queue using a smartphone. The client, reading this QR code with any mobile application to recognize it, receives a link, clicking on which displays a page with data on the called numbers of clients. These data are similar to those displayed on the information board in the department. Thus, the presence of the client directly in the zone of visibility of the scoreboard becomes optional. If a client comes to a bank branch at the time of peak load and sees a large number of people waiting, he can use the possibility of pre-registration for the current day when choosing a service at the terminal. For example, specify the time of the visit in an hour or two. In this case, a person can be sure that his number will not be called before the specified time,” explains Moskaleva.
Now you can be in the queue without being physically present in the branch, for example, using the remote viewing of the information board. The printed ticket with the queue number contains a generated QR code that allows you to track the status of the queue using a smartphone
In addition, banks are actively implementing biometric technologies to identify customers. “Biometric technologies are used to identify VIP clients at the time of their registration at the queue terminal to confirm the priority of service. To do this, the terminal is additionally equipped with a face recognition camera or a fingerprint scanner. Also, similar technologies are used in case of integration of the queue management system with ACS ( access control and management system. - Approx. Banki.ru) to confirm the identity of the client when accessing special storage. In this case, not only identification by face or fingerprint can be used, but also voice identification or scanning of the iris,” says Marina Moskaleva.
The queue at Sberbank is no longer the same
Despite the growth in the number of transactions in remote service channels, the number of customers visiting bank offices to carry out transactions is not decreasing, Banki.ru reported in Sberbank.
“Sberbank is systematically addressing the issue of reducing queues in its divisions. 90% of clients wait in line for transactions for no more than 10 minutes. The average waiting time in line has dropped to 4.5 minutes. This is a good indicator, given the level of penetration of non-cash transactions in the country and the age structure of the bank's customers. On average, one employee serves more than 100 clients - individuals per day,” Sberbank told us.
At the press office VTB 24 noted that the waiting time of a client in a bank branch is influenced by several important factors: structure of operations, duration of service and number of clients per employee.
“One of the tasks of the bank, which we successfully solve in last years, - transfer of fast service operations from branches to remote channels. Accordingly, the front line was able to focus on more complex target operations. For example, this design mortgage loan. At the same time, VTB 24 continues to reduce the average waiting time for a client in the office - now it is about 4 minutes. Currently, one VTB 24 employee serves about 20 clients a day. This indicator in a year and a half it decreased by 20%, the total client flow to the office - by 40%. The average waiting time has decreased from 4 minutes 37 seconds to 4 minutes 13 seconds,” the bank said.
IN RNKB said that over the past year, the waiting time in line has halved: from 24 minutes in June 2016 to 13 minutes in June 2017.
“The introduction of an electronic queue management system in operational offices, optimization of intrabank processes, transfer of clients to remote service channels (Internet banking, mobile app, self-service terminals). So, if the number of payments at the cash desks of RNKB branches in May 2017 amounted to about 740 thousand, then in the same month, using remote service channels, RNKB customers made 1.7 million payments. On average, a specialist in the sales and service sector of the RNCB serves up to 13 clients per day,” the bank’s press service commented.
How to cheat the electronic queue
In an electronic queue, the standard life hacks of people who hardly know the word "life hack" will not work - for example, "I took care of this woman" or "I just have to ask", which have been actively used in traditional queues for a long time.
But Banki.ru readers assure that electronic queue can be "overclocked" to make service faster. “In order to speed up the queue, you need to select the service you need and collect more coupons, then it will be displayed in the system as a priority and it will be served faster,” Banki.ru reader Ekaterina S. shared her experience.
In order to speed up the queue, you need to select the service you need and collect more coupons, then it will be displayed in the system as a priority and it will be served faster
According to Marina Moskaleva, the only trick for the client is to take a coupon not for the service that is required, but for the one for which the line goes faster (higher priority). “But in this case, the operator who called him for the wrong service redirects the client to the desired service, and the system provides for redirection to the place in the queue corresponding to the moment of registration. So the client wins nothing,” she explained.
In the section on the question what does the synthetic account 30101 show?? what is this synthetic account 30101? what does it show? given by the author 72 the best answer is This is the bank's correspondent account in the bank of Russia. Shows all non-cash transactions bank and its customers passing through this account
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Hey! Here is a selection of topics with answers to your question: what does the synthetic account 30101 show?? what is this synthetic account 30101? what does it show?
Answer from Elena Afanasyeva[guru]
Correspondent account - an account opened by a credit institution (bank) in a division of the bank itself or in another credit institution. Designed to reflect the settlements made by one credit institution on behalf of, and at the expense of another, on the basis of a correspondent agreement concluded between them.
IN payment documents sent through the settlement network of the bank itself, not only the settlement accounts of the sender and recipient of funds are indicated, but also correspondent accounts credit institutions in which these current accounts are opened.
In the practice of international settlements, however, the use of this requisite in payment orders is optional.
In Russia, correspondent account numbers consist of 20 digits, with the first three digits (the so-called first order account) being 301.
The last three characters of the number of the correspondent account opened at the institution of the bank itself (18th, 19th, 20th digits) contain a 3-digit conditional number of the settlement participant, corresponding to the 7th, 8th, 9th digits of the BIC .
Example: code 30101810600000000957, BIC 044525957
The implementation of non-cash payments in the economy between suppliers and payers gives rise to mutual settlements between banks.
Interbank settlements occur when the payer and the recipient of funds are serviced different banks, as well as in the mutual lending of banks and the movement of cash.
Until 1991, settlements between banks were made through the system of interbranch turnover (IFO). The MFO system, introduced in 1933, quite successfully ensured settlements between the institutions of the USSR State Bank, through which the vast majority of the country's payment turnover passed. This system also included institutions of the Vneshtorgbank of the USSR. Settlements of the State Bank of the USSR with the Stroybank of the USSR and Gostrudsberkass were carried out through correspondent accounts opened by the boards of Stroybank and Gostrudsberkass in the Board of the USSR State Bank. Mutual settlements between institutions and within the savings bank system were also based on the use of MFO accounts. Settlements under the MFI system were well debugged, contained a clear mechanism for the interaction of all banking institutions and uniform regulation. However, such a settlement system could only be used within the framework of individual monopoly banks in settlements between their branches, since it did not provide for the differentiation of the resources of settlement participants and provided one branch with unhindered access to the funds of other branches. With the transition to market economy When the main structure of the banking system became independent commercial banks operating in formation within the limits of actually attracted funds, the MFI system could not be used, so the new system of interbank settlements in the Russian Federation began to be built on the basis of correspondent relations between banks through their correspondent accounts, which made it possible to isolate the resources of each jar.
Currently, the Russian Federation uses three main systems of interbank settlements, the structure of which in the total volume of payments is as follows:
- payments made through the settlement network of the Bank of Russia - 67.7%;
- payments made through correspondent accounts of banks opened with each other - 8.5%;
- payments made through internal banking systems settlements - 22.6%.
In addition, an insignificant part of payments (about 2%) goes through settlement non-bank credit institutions that carry out interbank clearing.
As can be seen from the above data, the domestic system of interbank settlements is more focused on settlements through the settlement network of the Bank of Russia.
Settlements between banks are carried out by specially created for this purpose structural units The Central Bank of the Russian Federation - cash settlement centers (RCC).
A correspondent account is opened for each commercial bank at the place of its territorial location in the corresponding RCC. Branches of banks have correspondent accounts such as sub-accounts. To open a correspondent account, each commercial Bank submits the following documents to the RCC:
- application for opening a correspondent account;
- a notarized copy of the banking license;
- notarized copies of constituent documents;
- a letter from the registration authority and a copy of the statement on the transfer of funds from the temporary savings account to the main correspondent account;
- a letter from the territorial branch of the Bank of Russia confirming the candidacies of the head and chief accountant of the credit institution;
- certificate of registration with the tax authority;
- certificate of registration in pension fund RF and the Compulsory Medical Insurance Fund;
- a notarized card with sample signatures of the head, chief accountant and other authorized officials of the bank, the right to sign which is agreed with the Central Bank of the Russian Federation, and an imprint of the bank's seal;
- information letter of the Main Interregional Center for Processing and Dissemination of Statistical Information and territorial authority statistics with the code of the all-Russian classifier assigned to the bank;
- notice to the insurant of the Social Insurance Fund.
The opening of a correspondent account by a bank in the RCC is formalized by the relevant agreements, namely:
- a correspondent account agreement that defines the procedure for bank settlement services, the rights and obligations of the bank and the settlement center when making settlement transactions on a correspondent account, the method of exchanging settlement documents, the procedure for payment for settlement services provided by the Bank of Russia, the liability of the parties for violating the procedure and terms for making settlements through settlement network of the Bank of Russia and other conditions;
- contract for cash service commercial bank RCC;
- a special agreement on the establishment of correspondent relations for making payments electronically, which determines the procedure for the exchange of electronic documents using information security tools (if the bank participates in the implementation of inter-regional and intra-regional electronic payments).
A bank's correspondent account with the RCC is a kind of demand deposit account and, in essence, performs the same functions as a company's settlement account, but taking into account the specifics of the bank's activities. It stores all the free cash of a commercial bank - both its own and unused money of its clients and loans received from other banks. Through a correspondent account, the bank carries out the entire range of operations related to settlement and cash services for its customers, with the receipt and provision of interbank loans, with the opening of deposits with the Central Bank of the Russian Federation, as well as with the operations of the bank itself as an economic entity.
The main principle of making payments on correspondent accounts is their clear implementation within the limits of the balance of funds on these accounts. If there are insufficient funds on the account to make current payments, banks, under certain conditions, can receive two types of loans from the Bank of Russia: intraday and overnight (one-day settlement credit). This principle of organizing interbank settlements is aimed at enhancing deposit policy commercial banks, the rational allocation of its available resources and implies a high responsibility of each bank for the continuity of settlements with other banks.
Correspondent accounts of banks in the RCC are opened on the balance sheet of the Central Bank of the Russian Federation on the balance sheet account 30101 “Correspondent accounts of credit organizations with the Bank of Russia”, and on the balance sheet of the commercial bank itself - on the balance sheet account 30102 with the same name.
For the purpose of unambiguous identification of credit institutions when carrying out settlement transactions through the settlement network of the Bank of Russia commercial banks bank identification codes of settlement participants (BIC) are assigned. The introduction of codes is part of the transition program to a real-time gross settlement system. Identification of participants in interbank settlements facilitates the process of automatic processing of settlement documents and serves to determine the geographical location of the bank.
Settlements between the RCCs on the operations of commercial banks, as well as on their own operations, are carried out through the system of interbranch turnovers (IFOs). MFIs should be carried out in such a way as to ensure the safety of funds, avoid mistakes, unauthorized access to the movement of documents, prevent sending Money wrong address. In the MFI system, each initial operation is duplicated by a response one, and two types of accounts for interbranch settlements are opened on the balance sheet of the Central Bank of the Russian Federation: accounts of initial MFIs and accounts of reciprocal MFIs.
The settlement center that started the settlement operation (initial wire) is conditionally called branch A, and the one that accepted the documents for the return wire is called branch B.
The transfer of funds between cash registers through the MFO system occurs on the basis of an advice note, which is an order from one bank institution to another about the fulfillment settlement transaction. According to the method of sending, advices are divided into postal and telegraphic. Depending on the content of the transaction, advice notes are divided into credit (crediting funds) and debit (writing off funds). The document flow of current forms of non-cash payments and their corresponding payment instruments (payment orders, payment requests, collection orders, letters of credit, checks) in settlements with IFIs determines the use of only credit memos.
To make payments through the settlement network of the Bank of Russia, the current regulatory and legal framework allows the transfer of settlement documents from the bank - the sender of the payment to the bank - the executor of the payment, both on paper and in in electronic format(electronic copy of the document).