As Sergey Kulpin operating the Ural branch VTB24 has told yesterday, the bank intends to depart from extensive model of development - it will not increase client base, and to develop the existing. initially our strategy provided expansion of client base by any way, under it the system of sales as it was important to us to occupy the share in the market was built. Therefore we conducted aggressive enough exit on the market, sometimes even resorting to dumping rates on credits - he admitted. Now, as he said, the management of bank has made decision to spend segmentation of client base and to offer each group already sorientirovannyj for it a package of proposals of bank with a certain set of services. thus we raise service of servicing and at the same time we can develop our sales - mister Kulpin has explained, having specified what absolutely to refuse attraction of new clients bank does not gather, but it will be not so basic direction. Participants of the market consider new strategy ยาม24 quite logical. The head of department of economy and strategic planning of bank the Ring of Ural Mountains Evgenie Aleksenko has reminded that in crisis many clients have passed in big banks with the state participation, including in ยาม24. In particular, following the results of the first half of the year 2010 the volume of means of physical persons of Ural branch VTB24 has made 12,6 mlrd roubles, a credit portfolio - 44,8 mlrd roubles, the mortgage portfolio totals more than 12,2 thousand mortgage loans for a total sum 16,7 mlrd roubles. to sell bank services and products to already existing base of clients most economic: to bank the client is clear, about the client there is a necessary information. Sales become address and cheaper as considerably decrease administratively - the household expenses directed by and large on attraction of new clients - mister Aleksenko has noted. Besides, according to the expert, bank, developing cross sales, is engaged also in decrease in bank risks.