Cyberatta for the State Registrars of the Ministry of Justice: Will banks work and what with payment cards

Both for banks and customers, due to lack of access to registers, there are some inconvenience in maintenance, but this will not cause banking. The focus was told by Viktor Didenko, Deputy Chairman of the Board Globus Bank. The expert reported that when it comes to servicing individuals, there are no problems in the design of deposit deposits, opening accounts, issues of cards, design of form (unstable) loans.

"The lack of access to the registers limits the ability of banks to issue loans secured by a pledge or mortgage, since encumbrance by the bank at the time of lack of access to the registers is not possible," - says Viktor Didenko. That is, due to the lack of access to the registers, banks will not be able to issue new mortgage loans, because they are provided with real estate, which now impossible to obtain the necessary information (in particular within the limits of the State Program "Eosel").

According to the expert, temporary difficulties in access to registers in a short period of time (up to two weeks) will not significantly affect ordinary banking life and banking services. "Client activity will decrease somewhat, but in general it will have no serious consequences," Didenko said. However, the stop of the registers will definitely affect some transactions of legal entities. It is new services, for example, if a company seeks to receive credit financing.

"Regarding the previously identified by the bank of legal entities (FOPs), restrictions on servicing can only apply to new and those banking products that require information in temporary" non -working registers ".

For example: making a new loan or making changes to the current loan secured by pledge and in the pledge and in Amendments to the structure of such a collateral provide changes in the entry record, which is not possible to make at the time of lack of access to the registers, " - says Viktor Didenko. In general, the expert noted, the temporary stop of the registers will not affect the structure of banking services.