Sberbank insurance broker may be closed or re -profiled

One of the largest market players-Sberbank Insurance Broker-left a number of top management employees, while the hiring of new employees was suspended. According to insurers, this may indicate a possible closure of a broker or re -profiling to another company. At the same time, the reformatting option looks more promising against the background of possible risks of loss of competencies and customers in case of complete liquidation.

“Sberbank insurance broker” left several people from the top management, they told Kommersant three sources in the insurance market. In particular, according to Kommersant’s interlocutor from among insurers, the company left for the network, the largest business (kib-CIB) and their own unique examination to resolve losses left the company. At the same time, according to two Kommersant interlocutors in the insurance market, the broker suspended the hire of new employees of this level.

According to three interlocutors, Kommersant, Sberus allows the closure of the Sberbank insurance broker. According to them, the broker can completely eliminate and transfer sellers to Sberbeling. In addition, according to Kommersant’s interlocutor in the insurance market, the broker is considered to be re -profiling to another company. This is discussed at a high level with the participation of the leaders of the Sberbank Blocy Bloc, he notes. Discussions, according to Kommersant’s interlocutors, are related to the fact that the broker has exhausted his selling opportunities. “The potential for the growth of the commission was exhausted, the plan of 2024 was not fulfilled. The broker is the personification of the so -called carpet sales, which are additions to the main products of the bank (credit, RKO, etc.), ”the interlocutor of Kommersant from among the insurers notes. However, the press service of Sberbank noted that there are no plans to close the Sberbank insurance broker.

The coexistence in the circuit of the financial group of its own insurer and insurance broker is an infrequent configuration, experts say. This is caused by the fact that such a neighborhood can carry the incoming flow of new insurance contracts – some customers will not be redirected to the group insurer, but to other insurance companies, while the financial group as a whole will receive only commission income from the actions of the broker, explains independent expert Andrei Barhota. The goal of the group insurers is the share of the market and the attraction of customers, the broker is the earnings of the commission from insurance products of third -party insurers, the interlocutor of Kommersant explains from among the insurers.

At the same time, according to experts, the elimination of the broker may lead to serious risks for the group. The disadvantages consist of a possible loss of competencies, if some of the employees leave, as well as the departure of part of the clients after them, the professor of the Financial University under the Government of the Russian Federation Alexander Tsyganov points out. In addition, reputation costs may arise, as well as the weakening of the general insurance examination of the holding, since brokers traditionally have a broader idea of ​​market offers, says Nikita Evseenko, director of the Revite Insurance Department.

In this regard, a more rational solution is to re -profiling the broker into a new structure, experts say. “The most promising areas can be a consulting agency for risk management for corporate clients, using an existing examination, a service company providing services for maintaining insured events, or a modern insurance proposal aggregator that can compare the conditions of various insurers and offer optimal solutions with smaller operational costs than a classic broker,” the master believes, the master believes Evseenko.

Julia Proving