Ozon Bank gave a forecast for expired loans in collectors for collectors

“By 2025, 7-9 billion rules of expired loans are forecast,” said the tender materials by RB.RU in the Contour.cubka system.

In February, the Bank carried out an acquisition procedure for the search for partners during the long period to provide services in the performance field of the back of the people under loan agreements in Russia. The materials say the procedure was completed on February 10.

As the Ozon representative told RB.RU, the tender was canceled due to an error in the data. What kind of error we are talking about, he did not explain. According to him, bank employees had to cancel the tender through the summary procedure with an additional completion, since there was no other technical capacity to cancel it. Therefore, officially the tender was not canceled, but was completed.

The collection agencies included in the public records to work, according to tender materials, were planned only to attract only. Ozon Bank LLC and Ozon Finniya LLC were going to act as clients.

The materials clarified that debtors will be individuals with a delay of 4 to 120 days, located in the previous stage. They will be transferred to the work of the collection agencies for a period of 116 calendar days. It was planned that the employees of the agencies will trust the work prior to the trial in calling the debtors, updating data on them. All conversations with debtors must be registered and available for Ozon.

• On October 1, 2024, Ozon Bank’s net loan debt amounted to 156.3 billion rubles, at the end of 2023 – 45.8 billion rubles.

The managing partner of Warsaw and partners Vladislav Varshavsky said that the delay in the loans is established by financial institutions when calculating the interest rate. According to the expert, on average, the proportion of loans that cannot be returned in time can reach 20%, that is, each fifth loan in one grade or another allows the delay in the service of a borrowed obligation.

“The information released for collectors about the expected level of defeated debt is probabilistic and is also used to determine the price of services bought from collectors. The indicator revealed generally corresponds to the volumes of defeated debt, which is formed in other financial institutions. I think that the data declared by the bank are somewhat underestimated, since the dissemination of the real amount of the overdue debt is not of interest to the bank itself, ”said the lawyer.

The managing partner of the law firm “Enso” Alexei Golovchenko says that 7-9 billion rubles are a small part of the defeated loans, taking into account that the company has 27 million active customers, and the total amount of loans issued By October 2024 156 billion rubles. According to him, collectors may process customer debt with Ozon Bank using artificial intelligence. The robots will call the debtors and then prepare claims to the court, if necessary.

The lawyer, partner of the Yablokov Brothers Consulting Company, Artem Yablekov, believes that the appeal to bus collectors may indicate that the cost of independent recovery exceeds the cost of services.

“The volume of the work necessary to recover debts can be paralyzed simply by the company’s legal department, as well as not profitable in terms of accounting. In addition, with an increase in the number of judicial tariffs, it has become even less profitable to collect debts for banks, ”explained the expert.

Yablkov recalled that collection agencies, as a general rule, buy a debt from the company with a “great discount”, receiving the right to demand such debt in their favor.

Previously, RB.RU reported that Ozon Bank will develop an ATM. The first devices should appear in early 2025. The organization orders software development for every 5,000 devices.