into the house.The Russian Federation appreciated the digitalization of banking services

For digitally obtained banking services in the retail segment of DOM Bank.The Russian Federation reached 89% in December. A year earlier, this figure was at 80%.

Mortgages have become the most digitized process — 97% of all housing loans are issued and issued digitally by the bank (73% as of December 2024). 81% of transactions take place to obtain a loan electronically (39% a year earlier), and the share of digital opening of savings products reached 87% (79% a year earlier).

"Bank HOUSE.The Russian Federation is implementing automated solutions and tools to further accelerate and improve the quality of financial services," said Deputy Chairman of the Board of DOM Bank.Russian Federation Nikolay Kozak. He recalled that this year the bank introduced a service for remote deposit opening with online identity verification through a financial marketplace presented on Finopolis. "In addition, we are implementing the Mortgage in 20 Minutes project, which is based on automation and the use of digital services," Kozak added.

To increase the digital maturity of mortgage processes at DOM Bank.In the Russian Federation, an application is being submitted via a QR code using a Digital Citizen Profile and the Gosklyuch mobile electronic signature service has been introduced to sign loan documents. In addition, the receipt of an EGRN statement from the seller of secondary real estate has been automated, and automatic mortgage issuance has been implemented.

The bank also uses artificial intelligence to recognize equity participation agreements. The HOUSE is in November.The Russian Federation has signed an agreement on the development of an AI service for automated valuation of real estate, which now requires an appraiser's report, inspection and market analysis.

Up to 74% of transactions for the purchase of commercial real estate by the owner of the organization receive a loan solution in an automated format. In addition, up to 90% of settlement accounts for legal entities and sole proprietors are opened automatically.

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