Until December 31, 2015, citizens of the Russian Federation need to decide on the size of contributions for their future pension, and in this regard, the demand for professional advice on the choice of a non-state pension fund (NPF) and the procedure for transferring to it is increasing. Taking into account the increased demand for these services, OTP Bank is expanding the geography of cooperation with OJSC NPF LUKOIL-GARANT, which is a partner of the bank at POS points of sale. The pilot project with the Fund was launched in August 2015 in 10 credit and cash offices, and since October their number has been about 50.

Ksenia Poloterova, Head of the Project Development and Business Analysis Department of OTP Bank:

Andrey Miroshnichenko, Director of the Directorate for Work with Institutional Agents OJSC NPF LUKOIL-GARANT:

OJSC NPF LUKOIL-GARANT(License of the Bank of Russia No. 432 dated May 20, 2014, unlimited) is one of the largest non-state pension funds in the country. As of June 30, 2015, the Fund’s total pension assets exceeded 232 billion rubles, of which 210.5 billion rubles. — pension savings and 21.7 billion rubles. — pension reserves. Number of insured persons OJSC NPF LUKOIL-GARANT is more than 3.2 million people. In 2014 NPF "LUKOIL-GARANT" successfully passed the corporatization procedure and inspection by the Bank of Russia. In January 2015, the Fund was one of the first to become a participant in the system of guaranteeing the rights of insured persons, which is administered by the Deposit Insurance Agency. Thus, clients' pension savings OJSC NPF LUKOIL-GARANT received additional guarantees from the state. The Fund's stability is regularly confirmed by high ratings from leading rating agencies. In June 2015, the National Rating Agency assigned OJSC NPF LUKOIL-GARANT reliability rating at the “AAA” level (maximum reliability).

The problem of the discrepancy between human desires and capabilities concerns not only young people. At the moment, it is possible to obtain a loan for pensioners. What kind of pension program does OTP offer?

Terms of consumer loans for pensioners

The OTP loan program is available to all pensioners whose age has not exceeded 65 years. In this case, the age at the time of loan repayment is taken into account. Credit users with a good reputation and timely payers are provided with a preferential “Our People” tariff. This product features even more favorable conditions and lower interest rates. The interest rate on the standard tariff varies from 14.9-46.2% per year. This indicator is influenced by the following factors:

• amount requested;
• loan terms;
• user category, etc.

The general terms and conditions of a consumer loan look like this:

To obtain the described loan, the borrower must:

• be a citizen of the Russian Federation;
• be no older than 65 years at the time of loan repayment;
• have permanent registration in the territory of the OTP;
• receive a pension due to age, disability or length of service;
• have the appropriate documents.

Additionally, you can take out pension insurance.

Cooperation between OTP and NPF Lukoil-Garant

OTP Bank cooperates with a non-state pension fund called Lukoil-Garant. The two companies are working together to improve pension insurance programs. Their project makes transferring the funded portion of a pension more accessible. Thanks to this, you can contact any of the local bank branches and conclude an agreement on compulsory pension insurance.

The fund that these two structures formed has been active since 1994 and has at its disposal more than 62 billion rubles. The NPF client base includes 1.9 million Russian citizens. More than 1.5 million of them entrusted the fund with accumulating part of their labor pension.

Over the entire period of active work, the NPF has paid out about 3.8 billion pensions.

Lukoil-Garant has its representative offices in 55 regions of the Russian Federation.

Obtaining a loan for pensioners from OTP

Representatives of OTP have established a special program for lending to clients of retirement age. Since payers in this category, as a rule, have an impeccable reputation, the bank does not impose high requirements or difficult conditions when cooperating with them. Therefore, all the documents that pensioners need to receive a loan from OTP are a passport and a pension certificate.

If the pensioner is still working and has two sources of official income (pension and salary), bank representatives will take this into account when determining the terms of the loan. There is no need to collect income certificates; information about income is generated from the words of the borrowers. At the bank, a local branch employee will talk to you, after which you will need to wait 15 minutes for an answer.

OTP Bank does not issue loans for any purpose. You may be asked about it when completing paperwork, but no one will strictly monitor whether your promises correspond to your actions. At the end of registration, you will be given a mandatory payment schedule. In fact, you will need to pay off the debt in installments every month.

Loan repayment in OTP

The loan can be repaid in different ways, including:

1. Electronic system in operator offices. Take your passport and contract with you. Please note that in this case the funds will be credited to your account within five business days.
2. Top up your account at an OTP representative office or ATM. You will need a contract and a passport. This method guarantees immediate receipt of funds.
3. Transfer from another bank account. You need to have access to the bank's online platform for the card to which your salary or pension is credited. This method involves transferring funds within 5 days.

Until recently, there were no banks providing loan programs for pensioners. OTP Bank has developed a special lending system for this segment of the population with soft conditions and a small loan rate.

In general, the whole point is in the title. I'll start from afar. I have to cooperate with this bank, because my salary is calculated through this bank, therefore, I have a card from this bank, Golden Crown. The card is terrible, I have never seen anything like this in any bank. In order for the money to be on the card, you must first transfer it there (via an ATM), and then only withdraw it. No shops work with this card, so non-cash payments using it are impossible. That's okay. Let me get to the point.

I have relatives abroad, sometimes they transfer money; their bank there cooperates with our OTP bank. Okay, I didn't have any problems with translations. This time I came, as usual, to receive a transfer. They asked for a passport (nothing special), the girl spent a long time studying something in my, apparently, personal file, clarified that I had a loan (yes, I had to contact this bank, because there was no other one in the chain store), I voiced some loan offers, I said, I’m not interested. Then she dug up my SNILS in my passport and started entering it into the database, okay, so that’s what they need, since I’m a client of their bank. Then I started typing something into my computer again, I thought, well, when will they give me the papers to receive the transfer. Then I started printing out a bunch of papers. It seemed very strange. Further, he says: “You will now receive an SMS, you dictate it to me,” ok, maybe there are new rules (a message about the transfer usually comes to the phone), it comes, I dictate. Although I was already beginning to guess the purpose of this SMS.

Then she thrusts all these papers at me and says: “Sign here, here and there.” I say: “What is this and why?”, She: “This is an application to transfer to VTB Non-State Pension Fund, you have pensions in a state fund, but you need to transfer to a non-state fund.” I was shocked and began to say that my pension benefits had long been transferred to a non-state pension fund, and I had no intention of transferring from there anywhere. She began to say what a wonderful pension fund it was, what great interest rates there were, I began to lose my temper, and said that I would not be transferred, and that they should cancel everything there. The girl was confused, apparently did not expect that people were not fools, she put these pieces of paper aside and, finally, began to translate.

And what's the result? The next day I receive an SMS that my application has been submitted to this pension office so that they can sort it out. I started looking for the phone number of this fund, found it, called, and said, how was the application submitted without my consent and my signature? The guy muttered something that, apparently, the bank had registered me, then he said that the application would be withdrawn and I would not be transferred anywhere. Of course, this arbitrariness simply shocked me. I, of course, imagine that for each client attracted to the fund they receive some kind of gingerbread, but in such a brazen way. Arbitrariness, in a word!

Yes, I have witnessed rude attitude towards clients more than once, so I do not recommend this bank ((

Motivation of Direct Sales Experts

2016
more
opportunities
for serious
earnings

Meet the motivation course

2
Meet the motivation course
What is this?
Electronic course on the remuneration system for Direct Sales Experts.
Why do I need it?
To find out how a Direct Selling Expert can earn maximum bonus.
What awaits me?
1. You will study the information slides
2. Pass the test
3. You will answer 80% of the test questions correctly and successfully complete the course.
(If not, see point 1).
In total, the course and test will take from 60 to 90 minutes.
How to pass the test the first time?
And if…
1. Arm yourself with a pen and notepad.
Write it down
2. Write down everything that is marked with a special “stamp”. It will be in!
test!
3. Use notes when testing!
? …will I start a course or test and stop?
! You can continue it later from where you left off.
? ...I won't pass the test the first time?
! Call your training officer or RAP to have your course rescheduled.
? ...I won't take the course or test?
! You will find out what will happen to your bonus in this case from the tenth slide of this course =).

Motivation: advantages and components

3
Motivation: advantages and components
Pros:
Profitable!
∙
∙
Three levels of productivity bonus,
Every six months - an opportunity to increase your salary!
Reliable!
Comfortable!
etc.).
∙ Bonuses for loans and insurance increase,
Each employee is guaranteed earnings not lower than the minimum wage.
The only important thing is the segment of the product for which the loan is issued (mobile phone, clothing and
It's very easy to calculate the bonus.
Two components of earning a Direct Sales Expert
Fixed
earnings
The salary is the same throughout Russia - 7,500 rubles.
+
The administrative bonus may change every
six months and it depends on you.
Prize for
sales
Consists of bonuses for: issuing loans,
insurance products, productivity, additional. products,
focal product.
Paid monthly.

Fixed income - how to increase your level

4
Fixed earnings - how to increase yours
level
Three levels of administrative bonus are introduced in the Bank from 05/01/2015:
1 - initial, 2 - average, 3 - maximum.
assigned
to whom
So to the employees
assigned
level
new employees
Level 1
returning from maternity leave or transferred from the office
Level 2
Quarterly
is assessed
productivity
employees
taken in the first month of the assessed quarter
or in the previous quarter
3 months
returning from maternity leave / transferred from the office in the first month
the quarter being assessed or in the previous quarter
3 months
employees who were evaluated 6 or more months ago
6 months
current employee level
fulfilled a higher standard
This is how it changes
level by
assessment results
These are the standards
estimates
met the standard for your level
did not meet the standard for your level
level
ranges of work experience, months.
assessment ranges, months
standard for the average number of contracts, pcs.
or standard average volume of issues, thousand rubles
Write it down!
test!
It will be in
transition
month month to new
reception assessment level
salary
for what period
is assessed
who is included in the assessment
.
.
.
.
.
.
.
.
.
Example of a rating chart
by date of admission
1
2
3
+1
+1
*
*
*
*
*
-1
-1
1
until 3
3
>7
>200
2
from 3
3-6
>10
>300
3
from 6
6
>15
>450
Jan.
2016
Feb.
2016
March
2016
Apr.
2016
May
2016
June
2016
July
2016
Aug.
2016
Sep.
2016
Oct.
2016
but I.
2016
Dec.
2016
Apr.
2016
May
2016
July
2016
Aug.
2016
Oct.
2016
but I.
2016
Jan.
2016
Feb.
2016
Apr.
2016
May
2016

Premium for issued loans

5
Premium for issued loans
For each loan issued there is a fixed amount.
See the amount in the reference table. Reward amount
depends on:
loan term,
loan amount,
profitability groups of the issued loan.
DOWNLOAD tables
Òàáëèöû
Tables will help
calculate
remuneration and for
credit and insurance with
taking into account the level of delinquency.
Separate table for each product type:
household appliances and electronics
mobile phones and jewelry,
furniture, furs and clothing,
Write it down!
This will be in the test!
construction materials and motor vehicles,
services,
general motivation.
Additional bonus for focal product
Help: Focus Product
100 rubles for each focus product sold.
Focus product can be determined
on a monthly basis by the Director
Consumer Division
lending.
!
Write it down
in the test!
It will be
Information about the selected focal length
the product is communicated to employees
2 days before the start of the promotion

Bonus: sell Cash on card “Cash in 15 minutes_9” and “Cash in 15 minutes_10”

6
The Cash on card bonus is divided into 3 parts:
2nd month - payment of 1 part of the premium + POS bonus for the 1st
calendar month.
3 month - payment of 2 parts of the bonus + bonus for
Life, Un, Combo insurance (taking into account the Fpd7+ indicator).
4th month - payment of the 3rd part of the bonus (taking into account the indicator
Spd7+).
Example of bonus payment
1
2
3
4
month month month month
Payment of motivation Cash on Card
Fines for Cash on card
Payment of incentives for insurance via Cash on
card
Part 1 Part 2 Part 3
+
+
Accounting for quality indicators
Accounting for Fpd indicator for insurance
+
Taking into account the Fpd indicator for Cash on Card motivation
+
Taking into account the Spd indicator for Cash on Card motivation
!
+
Cash on card bonus payment scheme
“Cash in 15 minutes_9” “Cash in 15 minutes_10”
1 month
2 month
3 month
4 month
(sale)
50%
25%
25%
When calculating the bonus, the system is taken into account
stipulated fines for late Cash
on Card for previous sales periods.
Fines are deducted from the total POS+ premium
Cash on Card.
If the amount of the fine exceeds the amount
earned, the bonus is not paid.
When calculating the premium, the system of stipulated fines for late Cash on Card payments for previous
sales periods.

Detailed motivation for CASH ON CARD No. 9

7

payments)
Check rub.
Duration months
High
30 - 40 thousand rubles.
40-50 thousand rubles.
50 - 80 thousand rubles.
80 - 100 thousand rubles.
12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24
330
430
690
920
440
570
920 1,230 610
790 1,270 1,690 880 1,140 1,850 2,460

Life
Un
Combo
180
60
270
230
80
350
380
130
570
500
170
760
240
80
360
310
100
470
500
170
760
670
220
1,010
330
110
500
430
140
640
690
920
230
310
1,040 1,390
480
160
720
620
210
940
1,010 1,340
340
450
1,510 2,020

1 part bonus
Part 2 of the bonus
Part 3 of the bonus
170
80
80
220
110
100
350
170
170
460
230
230
220
110
110
290
140
140
460
230
230
620
310
300
310
150
150
400
200
190
640
320
310
850
420
420
440
220
220
570
290
280
930
460
460
1230
620
610
850
440
570
930
1230

FPD fine
170
220
350
460
220
290
460
620
310
400
640
Description No. 9
!
The "Cash in 15 minutes_No. 9" tariff can be issued in all cash registers except 25 cash registers participating in the pilot,
at the "Cash in 15 minutes_No. 10" tariff.

Detailed motivation for CASH ON CARD No. 10

8
REWARDS FOR SALES OF CASH on CARD LOANS (total amount in rubles for each loan without dividing by
payments)
Check rub.
30 - 40 thousand rubles.
40-50 thousand rubles.
50 - 80 thousand rubles.
80 - 100 thousand rubles.
Duration months 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24 12-14 15-18 19-22 22-24
High 230
300
480
640
310
400
640
860
430
550
890 1,180 620
800 1,300 1,720
REWARDS FOR SALES OF INSURANCE PRODUCTS (amount in rubles for each product)
Life
Un
Combo
130
40
190
160
60
250
270
90
400
350
120
530
170
60
250
220
70
330
350
120
530
470
150
710
230
80
350
300
100
450
480
160
730
640
220
970
340
110
500
430
150
660
710
940
240
320
1,060 1,410
DISTRIBUTION OF REWARD FOR SALES OF CASH on CARD LOANS (amount in rubles for each loan) BY PART OF PAYMENTS
1 part bonus
Part 2 of the bonus
Part 3 of the bonus
120
60
50
150
80
70
240
120
120
320
160
160
160
80
70
200
100
100
320
160
160
430
220
210
220
110
100
280
140
130
450
220
220
590
300
290
310
160
150
400
200
200
650
330
320
860
430
430
590
310
400
650
860
FILES FOR LATE CASH on CARD LOANS (amount in rubles for each loan)
FPD fine
120
150
240
320
160
200
320
430
220
280
450
Ñïèñîê ÊÊÎ
!
The "Cash in 15 minutes_No. 10" tariff can be issued only at 25 cash register companies participating in
pilot, while choosing the “Cash in 15 minutes_No. 9” tariff is prohibited, it will be refused.

Additional motivation for CASH ON CARD No. 9 and No. 10

9
Additional motivation for
CASH ON CARD No. 9 and No. 10
HAVE TIME TO EARN MORE!
Get an additional payment for each card sold!
200 rub.
More
200,000 rubles
+
From 4 credits
Cash on card
=
for each loan
Cash in 15 minutes_9"
150 rub.
for each loan
Cash in 15 minutes_10"
Notes:
It is important to fulfill both conditions (both the amount and the number of cards) per month.
200,000 includes only Cash on card “Cash in 15 minutes_9” or
“Cash in 15 minutes_10” depending on the place where the product is issued.
The bonus is paid for all Cash on card loans issued during the month!
Add. the bonus is paid along with the general POS EPP bonus.

10. Bonus: earn money on insurance and additional benefits. products

10
Insurance premium
The amount depends on the term and amount of the loan, as well as on the number of insurances.
See the amount in the reference table.
When selling two insurances: work and health, client safety and premium -
maximum.
Bonus for additional products
"Purchase Protection"
"Multi-protection"
Write it down!
It will be in
test!
.
Item amount
Bonus
From 0 rub. – 2,999 rub.
0 rub.
From 3,000 rubles - 10,000 rubles.
60 rub.
From 10,001 rub.-20,000 rub.
120 rub.
From 20,001 rub.
180 rub.
50 rub.
.
"Protecting your belongings!"
“Save what’s dear!”
"NPF"
.
For clients whose age at the time of execution of the OPS Agreement is less than 20 and
no remuneration has been paid for more than 49 years.
!
Bonus
When selling two insurances, the bonus may be higher.
For example, a premium: for life insurance - 175 rubles, against job loss - 90 rubles,
when selling them at the same time, the premium is 300 rubles instead of 265.
50 rub.
50 rub.
200 rub.

11. Bonus: How to Earn a Productivity Bonus

11
Bonus: How to Earn a Productivity Bonus
The bank will additionally pay for your productivity* based on the results of each month,
starting from the third month of work of the Direct Sales Expert in the Bank.
Bonus for
productivity Loan amount (POS+CoC)) or
Quantity
credit
contracts
Bonus 1
More than 350,000 rub.
More than 10 pcs.
Bonus 2
More than 500,000 rub.
More than 15 pcs.
Bonus 3
More than 650,000 rub.
More than 20 pcs.
*Check the bonus amount with your manager.
Behind
Write this!
will come
in tes
those!

12. Overdue: how to save your premium

12
Delay is the absence of money in the client’s account on the due payment date before 24:00.
taken into account if payment is not received
within 7 days from the date of write-off
starts to count for a beginner
first payment
in the first month
from the second month of work,

second payment
in the second month
from the third month of work,
before this - average KKO result
third payment
in the third month
from the fourth month of work,
not taken into account before
Write it down! pass rate
test!
It will be in
FPD7+
SPD7+
TPD7+
.
.
.
reasons for delay
Client forgetfulness.
how to save your bonus
Place the payment schedule as the first sheet in the package of documents
client.
Fill in the “e-mail” field when applying for a loan
(the client will receive a payment reminder)
Long transfer of funds through the selected
customer payment channel.
Circle the recommended payment dates in the payment schedule.
Borrower's bad faith.
Carefully check the client’s documents and personal data.
The delinquency rate affects:
Write it down!
It will be in those
ste!
Premium for issued loans
Premium for the focal product (multiplied by the overdue coefficient for the focal product).
Premium for insurance and additional products.
Productivity bonus.
!
Briefly: clients pay - the premium grows. If they don't pay, it decreases.
The detailed calculation of the delinquency coefficient is given in the reference tables that you previously downloaded.

13. Guaranteed bonus for newbies

13
Guaranteed bonus for newbies
At OTP Bank, the minimum bonus for the first and second months of work is 3,000 rubles.
The bonus is paid immediately upon the close of the reporting period.
If an employee has worked for less than a full month, the guaranteed bonus is paid according to the amount actually worked.
time.
Write it down!
It will be in
test!
I worked for a full month.

reporting period
For example, in the month
Earned
more
minimum premium
September:
22 working days
Processed:
Minimum:
bonus:
22 days
3,000 / 22 * ​​22 = 3,000 rub.
Earned in September:
Paid on October 5th:
RUB 3,500
3,000 rub.
The expert will receive the remaining 500 rubles along with the main bonus!
Earned
less
minimum premium.
Earnings are paid immediately after closing
reporting period
For example, in the month
September:
22 working days
Processed:
Minimum:
bonus:
15 days
3,000 / 22 * ​​15 = 2,045 rub.
Earned in September:
Paid on October 5th:
RUB 2,500
RUR 2,045
The expert will receive the remaining 455 rubles along with the main bonus!
3,000 rubles are paid immediately after closing
reporting period
A lifting bonus is paid based on the number of hours worked.
days immediately after the close of the reporting period
For example, in the month
For example, in the month
September:
22 working days
Processed:
Minimum:
bonus:
22 days
3,000 / 22 * ​​22 = 3,000 rub.
Earned in September:
Paid on October 5th:
!
Worked for less than a month.
2,000 rub.
3,000 rub.
September:
Processed:
Minimum:
bonus:
Earned in September:
Paid on October 5th:
22 working days
15 days
3,000 / 22 * ​​15 = 2,045 rub.
1,100 rub.
RUR 2,045
The minimum bonus amount is set for the first 2 months; no bonus is paid for productivity.
From the third month the bonus is paid on a general basis. This includes a bonus for productivity.

14. Important points

14
Important points
Payment threshold -
4,000 rubles
Guaranteed minimum wage
Quality is important
sell insurance
Productivity Bonus
- from the third month
Minimum premium for
newbie
Write it down!
It will be in
test!
If the bonus of a Direct Sales Expert working for more than two months is less than 4,000 rubles, the bonus is not
paid.
At the same time, according to the conditions of motivation, earning 4,000 rubles is really simple.
Important: when calculating the minimum bonus, the productivity bonus is not taken into account. Productivity Bonus
is paid separately, regardless of reaching the payment threshold.
If the total monthly payments to the Direct Sales Expert (fixed part + bonus) are less than the minimum wage in
region of his work, for example, as a result of sick leave, the Bank pays the amount missing up to the minimum wage in
bonus account immediately upon closing the reporting period. If next month after the additional payment the employee does not
earned a bonus, then nothing is debited from him either in this or in subsequent months. Additional payment up to the minimum wage
is paid immediately upon the close of the reporting period.
If the total volume of POS and Cash on Card loans is “Preferential” tariff for a calendar month with registration
life and health insurance of the borrower by specialist is less than 30% or if the total volume of POS and CoC loans
“Preferential” for a calendar month with insurance of the borrower’s Financial risks of less than 10% of
total volume of POS and CoC “Preferential” loans per specialist for a calendar month, final premium for
sales of insurance products and additional insurance products are not paid (30% is considered
weighted average by the sum of sales volumes of POS and CoC “Preferential” loans).
If the client refuses life and health insurance and financial risks within a calendar month
more than 20% of the total volume of loans issued (POS+CoC) the premium for the sale of insurance products is not
paid!
If the cancellation of insurance for the previous month is more than (total for Life and Un) 30%, then the premium for the next month
There is no payment for insurance.
The productivity bonus begins to be paid starting from the third month of work of the Direct Sales Expert in
Bank. This rule does not apply to employees transferred from other positions in the Bank.
The minimum bonus for the first and second months of work is 3,000 rubles. The premium is paid
immediately after the closing of the reporting period. If an employee has worked for less than a month, a guaranteed bonus
paid according to days worked.
The minimum bonus amount is set for the first 2 months of work at the Bank and does not apply to
employees transferred from other positions in the Bank. From the third month the bonus is paid on a general basis
grounds.
The maximum Maximum bonus amount per month is 100,000 rubles.
bonus

15. Important points

15
Important points
"Other"
not paid
Courses are important
Reduced tariff
Write it down!
It will be in
test!
When applying for a loan, select the correct product category. Siebel lists all possible
product categories. The “Other” category will not be paid.
If a direct sales expert does not take LMS courses or avoids participating in trainings, he may be
deprived of the bonus by decision of the Director of the RC.
The “Preferential” tariff belongs to the Low profitability group. Motivation is calculated based on overall motivation.
Dynamic
1. Motivation is determined according to the rate of the product and its relationship to the rate ranges by group
profitability.
2. There will be a standard calculation of motivation for the product, taking into account the categories of goods sold.
Contract status
The premium is calculated strictly according to contracts with the “Open” status.
Closed contracts/returns will not be honored.
NPF
Protection
purchases
TPD7+
The bonus is calculated strictly according to the agreements accepted by the NPF, drawn up by the Expert in the reporting period.
period (1 calendar month). Contracts are accounted for according to the login assigned to the Direct Sales Expert.
For each contract accepted by the NPF, the motivation is 200 rubles.
For each contract not accepted, an amount of 50 rubles is deducted from the motivation. To unaccepted agreements
include: contracts with errors, duplicate contracts, contracts for which calls were made
client and received a negative conclusion on the agreement to draw up the contract.
For clients whose age at the time of execution of the OPS Agreement is less than 20 and more than 49 years
no remuneration is paid.
The bonus is not paid if:
1. The expert groups the goods in the receipt into one name, in order to achieve the threshold amount and quantity
There are more than three of these cases.
2. The expert does not indicate the correct name and type of product and the number of these cases is more than three.
IMPORTANT!!! Policies issued for goods worth less than 3,000 rubles are not paid for!
For an employee for the 4th and subsequent months of his work in the Bank, the deviation coefficient from
TPD7+ level. If the TPD7+ level for an employee is equal to or higher than the planned value for KCO, a bonus to the employee
paid at the discretion of the KCO Manager and the Director of the Distribution Center.

16. Frequently asked questions

16
FAQ
Write it down!
It will be in
test!
How to pay for the issuance of credit for several goods of different categories and different
cost?
How is the issuance of several goods of different categories and categories on credit paid for?
same price?
If an OTP Bank employee is transferred to the position of Direct Sales Expert,
Is he paid a guaranteed minimum premium and how is it paid?
productivity bonus?
If full early repayment of the loan occurred in the first month, will it be
be considered a waiver of insurance? Will this increase the percentage of contracts with
insurance refusals?
When evaluating employees, are the standards in levels the same for the region and the center?
If the Direct Sales Expert is at the first salary level, can
does he get a third level productivity bonus?
How is it determined which profitability group a loan product belongs to?
What happens if the Direct Sales Expert chooses the wrong one when applying for a loan?
product category?
The loan will be paid according to the category of the most expensive product in
check.
According to the riskier (with lower payment) category of goods included
on the check. If a fur coat and a ring are sold of the same value, payment will be
by ring category - Mobile Phones and Jewelry.
The transferred employee is paid a bonus from the first month for
productivity, guaranteed minimum bonus is not
paid.
In case of full early repayment in the first month, the client does not
pays for insurance. In fact, there was a refusal of insurance,
which was issued. Yes, this will worsen the failure statistics.
Yes.
The productivity bonus does not depend on the salary level at which
there is an employee. If an employee issued >20kd or >650t.r, he
will receive a third level productivity bonus.
Products are assigned to profitability groups by Head Office.
Up-to-date information is available in the Direct Sales Expert folder.
The loan payment depends on the category, so each loan will
checked for compliance of the product with the category. The bank will ask
clients, request information about sold goods from partners and
use other verification methods.
In case of malicious misrepresentation of the category, the employee will be deprived
bonus, the question of his dismissal will also be raised.

17. Examples of bonus calculations

18. The bonus depends only on you!

18
The reward depends only on you!
Examples of loans\loans
Insurance
Motivation
Product
Term,
months
Category
credit
product
Sum
loan
Life
Job
1
Kitchen set
24
Average
110
000.00 rub.
+
-
RUB 5,125.00
RUB 1,280.00
2
Mobile phone
14
Extra
26
000.00 rub.
+
+
RUB 1,200.00
RUB 295.00
3
Fridge
21
Average
27
000.00 rub.
+
-
RUB 1,285.00
320.00 rub.
4
Scooter
21
Average
18
000.00 rub.
+
+
730.00 rub.
RUB 310.00
5
Driving lessons
14
Average
21
000.00 rub.
+
+
955.00 rub.
405.00 rub.
6
Wrist watch
18
Extra
16
000.00 rub.
+
+
850.00 rub.
210.00 rub.
Total:
For credit
RUB 10,145.00
For insurance
RUB 2,820.00
RUB 12,965.00

19. Algorithm for calculating the bonus

19
Payroll preparation
1
2
3
Add up the bonuses for issuing loans and bonuses for insurance.
To the result obtained, add the bonus for additional products.
Multiply the result by the delinquency level coefficient.
4
Multiply the bonus for the focal product by the latency level coefficient for the focal product and add to the amount
obtained above.
5
If you have been working for the first month and your bonus is less than 3,000 rubles (based on a full month), the calculated amount is
3,000 (if you worked for less than a full month, proportionally less).
6
If you work for more than two months and your bonus is less than 4,000 rubles, the calculated amount is 0.
7
If you work for more than two months, a productivity bonus corresponding to your volume or number of CDs
multiply by the delinquency factor and add to the amount obtained above.
8
If in the previous month there was an additional payment to the minimum wage, it is deducted from the bonus. If the premium amount is not enough, the premium
equals 0.
9
10
Add your salary and administrative bonus to the amount received.
If the amount received is less than the minimum wage in your region, the calculated amount is equal to the minimum wage.

20. Formula for calculating the premium

20
Premium calculation formula
Taking into account the delinquency level coefficient
SALARY
Admin.
bonus
BONUS
(POS+CoC)
by main
products
BONUS for
Add.
Products*
BONUS for
Insurance
BONUS for
FOCAL
product
BONUS for
OPS
BONUS for
productivity
Surcharge
Minimum wage
Lifting
BONUS
CLUTCH LEVEL*
You need to collect at least 4000 rubles
FIXED
PART
VARIABLE PART
For example:
The employee has been working at the Bank for 7 months in Moscow (without “lifting” benefits).
Employee sales:
Name
loan
Sum
loan,
rub.
Profitability
Term
loan
Insurance
product
Add. insurance
product
Friendly
16 000
Light
6
-
Save what's precious
-
Your choice
60 000
Low+
24
Life
-
Favorite
number
150 000
Light
24
Life,
Job
-
110 000
Extra
24
Job
Save what's precious
-
70 000
Average
10
Life,
Job
-
Standard
F.P
20-10-10
Productivity Bonus
Salary
Admin.
bonus
NPF
1st level, in this
KKO =
2000 rubles
7,000 rub.
10 000
rub.
200 rub
Delinquency ratio for POS loans, Insurance products, Additional products,
Productivity last month = 0.8
Overdue coefficient for Focus product = 0.6
We count:
*Minimum bonus
* Under additional products mean those products that are tied to a loan, such as: Save Dear, Multiprotection,
Purchase Protection and Protection of Your Items!!!

21. Example of bonus calculation

21
Example of bonus calculation
STEP 1
STEP 2
STEP 3
STEP 4
STEP 5
STEP 6
STEP 7
STEP 8
PRESUME FOR POS CREDITS
INSURANCE PREMIUM
RUB 8,965
RUR 2,970
RESULT OF STEP 1
PREMIUM FOR ADDITIONAL PRODUCTS
RUR 11,935
1,200 rub.
RESULT OF STEP 2
DELAY LEVEL
RUB 13,135
0,8
FOCUS PRIZE
PRODUCT
DELAY LEVEL
RESULT OF STEP 3
RESULT OF STEP 5
100 rub.
RUR 10,508
RESULT OF STEP 5
RUB 10,568
0,6
60 rub.
PRODUCTIVITY BONUS
2,000 rub.
SALARY
ADMINISTRATIVE AWARD
7,500 rub.
10,000 rub.
RESULT OF STEP 6
RESULT OF STEP 7
RUB 12,568
RUB 17,500
11,935 rubles
13,135 rubles
10,508 rubles
60 rubles
10,568 rubles
12,568 rubles
17,500 rubles
30,068 rubles

22. Additional motivation Stand Alone

Even more
awards!

23.

Additional motivation to Stand Alone
23
Motivation is calculated for actual paid policies (products) during the reporting period equal
one calendar month.
For issued products for which payment did not go through the system during the reporting period, the agent is not motivated
paid.
Penalties on returned policies (products) are deducted from the Agent from the total premium amount.
Penalties are deducted from the premium calculation for the second and subsequent reporting periods.
Increased motivation is paid from the 4th policy and for all subsequent ones sold.
Reward amount
Penalties for each returned
product
Basic/economy option
(policy 600/700 rub.)
From 2 policies sold:
From 4 policies sold:
150 rub.
200 rub.
100 rub.
Optimal/Standard
option (policy 1,000/1,500 rub.)
From 2 policies sold:
From 4 policies sold:
250 rub.
300 rub.
200 rub.
Premium/Premium
option (policy 1,500/2,500 rub.)
From 2 policies sold:
From 4 policies sold:
350 rub.
500 rub.
250 RUR
!
When selling one policy, no premium is paid!
If the policy is not paid, the expert will not receive a bonus!

24.

Additional motivation to Stand Alone,
information for reference
24
Bonus for selling products separately from credit (SA), does not relate to the main motivation and is not
affect the cutoff level.
The bonus earned for selling Stand Alone is added to the total bonus earned!
For example, in a month you earned 30,068 rubles (Salary + Administrative bonus + Sales bonus), in addition to this amount
bonus for SA will be added - 14,000 rubles, total = 30,068 + 14,000 = 44,068 rubles!
Please note that increased motivation applies if the employee has sold
more than 4 policies inclusive.
If 1 stop tick (basic) and 3 Childhood under protection (1 optimal and 2 premium) are sold, eventually to the main
1500 rubles will be added to the bonus!
1. For 1 stop tick (basic) -
-200 rub.
2. For 1 optimal “Childhood under protection”
-300 rub.
3. For 2 Premium “Childhood under protection”
-500*2 =1000 rub.
. How much will I earn if I sell 2 policies of different tariffs?
For example: 1 policy “Childhood under Protection” was sold for 600 rubles and 1 “House under Protection” for 1,500 rubles,
total = 150 +350=500 rubles to the main bonus!