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VILNIUS. DnB NORD Bankas, a member of international banking group, has implemented a new generation electronic Decision Support System which provides the bank’s customers with a possibility to receive a consumer credit in one hour. This is the fastest term for issuing a consumer credit in Lithuania’s market.
The new system encompasses the entire process for issuing of a credit. As soon as the bank’s sales manager enters the data provided by the customer, the electronic system sends a request to the State Social Insurance Fund (Sodra) as well as other relevant registries and forms a credit application form. Upon receiving information confirming that the customer is financially viable to meet his liabilities, credit documents are prepared and a credit agreement is filled in automatically. After the agreement is signed, the money is transferred into the customer’s account. It is sufficient to have a passport or a personal ID card and a state social insurance certificate to get the credit in case the customer does not have other financial liabilities. The entire decision-making process is carried out within the electronic environment, which enables the bank to act in compliance with the principles of environmental protection since the consumption of paper is decreased.
“This is another large step towards our major objective - to become the most dynamic universal financial institution in Lithuania offering its customers fast, simple, and efficient financial solutions. It is extremely important to us that we are able to offer the customer service that is equally fast and qualitative in any of 80 bank outlets all over Lithuania,” said Werner Schilli, the president and the chairman of the Management Board of DnB NORD Bankas.
According to the banker, every attempt was made to launch the new system ahead of Christmas and New Year holidays when people traditionally spend more money not only for presents or holiday travelling but also for rational relocation of family financial expenses for the year to follow.
DnB NORD Bankas, managing almost a quarter of the country’s consumer credit market, grants consumer credits ranging from LTL 1,000 to LTL 100,000 with annual interest rates being among the most competitive in the market.
The credits are granted for a period from three months to five years; thus, the customers of DnB NORD Bankas may choose the most acceptable credit term. The bank provides them with a possibility to repay the credit early with no extra fees.
The customers of DnB NORD Bankas who take consumer credits are provided with a possibility to insure the credit. Then, in case of an accident, their obligation to repay the credit will be taken over by the insurance company. Every fourth customer of DnB NORD Bankas who takes consumer credit uses this option.
Approximately 50 thousand customers of DnB NORD Bankas have taken a consumer credit. The consumer credit portfolio of the bank has increased by over 19 percent in the first nine months of the year to LTL 441 million as at the beginning of October.
The new system encompasses the entire process for issuing of a credit. As soon as the bank’s sales manager enters the data provided by the customer, the electronic system sends a request to the State Social Insurance Fund (Sodra) as well as other relevant registries and forms a credit application form. Upon receiving information confirming that the customer is financially viable to meet his liabilities, credit documents are prepared and a credit agreement is filled in automatically. After the agreement is signed, the money is transferred into the customer’s account. It is sufficient to have a passport or a personal ID card and a state social insurance certificate to get the credit in case the customer does not have other financial liabilities. The entire decision-making process is carried out within the electronic environment, which enables the bank to act in compliance with the principles of environmental protection since the consumption of paper is decreased.
“This is another large step towards our major objective - to become the most dynamic universal financial institution in Lithuania offering its customers fast, simple, and efficient financial solutions. It is extremely important to us that we are able to offer the customer service that is equally fast and qualitative in any of 80 bank outlets all over Lithuania,” said Werner Schilli, the president and the chairman of the Management Board of DnB NORD Bankas.
According to the banker, every attempt was made to launch the new system ahead of Christmas and New Year holidays when people traditionally spend more money not only for presents or holiday travelling but also for rational relocation of family financial expenses for the year to follow.
DnB NORD Bankas, managing almost a quarter of the country’s consumer credit market, grants consumer credits ranging from LTL 1,000 to LTL 100,000 with annual interest rates being among the most competitive in the market.
The credits are granted for a period from three months to five years; thus, the customers of DnB NORD Bankas may choose the most acceptable credit term. The bank provides them with a possibility to repay the credit early with no extra fees.
The customers of DnB NORD Bankas who take consumer credits are provided with a possibility to insure the credit. Then, in case of an accident, their obligation to repay the credit will be taken over by the insurance company. Every fourth customer of DnB NORD Bankas who takes consumer credit uses this option.
Approximately 50 thousand customers of DnB NORD Bankas have taken a consumer credit. The consumer credit portfolio of the bank has increased by over 19 percent in the first nine months of the year to LTL 441 million as at the beginning of October.