IMPROVEMENTS IN MANAGEMENT BY THE PROMOTION OF DEPOSITE RESOURCE JSC «OSCHADBANK»

Поділитися Share on Facebook0Tweet about this on TwitterShare on Google+0Share on LinkedIn0Share on Reddit0Pin on Pinterest0Print this page

Semeniuk T.V.

IMPROVEMENTS IN MANAGEMENT BY THE PROMOTION OF DEPOSITE RESOURCE JSC «OSCHADBANK»

 

         Оцінено сучасний стан депозитних операцій в АТ «Ощадбанк» та запропоновано напрями вдосконалення методів залучення ресурсів із депозитних джерел банку.

         Ключові слова: депозитні ресурси, депозитний менеджмент, бенчмаркінг.

 

         Оценено современное состояние депозитных операций в АО «Ощадбанк» и предложены направления совершенствования методов привлечения ресурсов с депозитных источников банка.

         Ключевые слова:депозитные ресурсы, депозитный менеджмент, бенчмаркинг.

 

         This paper has appraised the current state of deposit operations at JSC «Oschadbank» and suggested methods of attracting the resources from the deposits of the bank.

         Keywords: resources deposit, deposit management, benchmarking.
         Formulation of the problem. At the present stage of economic development, the formation of resource base of domestic banks plays a pivotal role in its efficient operation, since the availability of sufficient financial resources enables to undergo the active operation for obtaining the maximum level of profit and risk diversification. Deposit operations are the main source of the bank’s funding base, and one of the most important functions of the bank is rational allocation of temporarily surplus funds raised from the public and businesses that further are used for active operations. Attraction of temporarily free funds in deposit accounts contribute to the bank’s liquidity, increase of lending operations and the formation of effective structure, acceleration of cashless payments and reduction of the cost of funds compared with interbank loans. As far as the largest share of resource savings of the bank is from depositors, each bank aims to create a strong and stable deposit base. Moreover, today, since each bank has to compete for attracting temporarily free funds of population and legal entities, this issue has become of paramount importance for all banks. In this regard, all banks should appraise the situation and develop a series of measures to attract new customers and increase the deposit portfolio.
         Analysis of recent research and publications. Lots of scientists take an interest in the issue of improving the management process of attracting resources from deposit sources. For example, conceptual framework related to the mobilization of bank resources were investigated in the works of Savluk M., S. Prince, A. Ashurbyekova, Ye. Hlinskyy and others.

         The purpose of the study is to identify the methods of attracting resources from deposit sources at JSC «Oschadbank».

         Summary of the basic material. Increased inflation, currency depreciation, the military conflict in the East, the high level of dollarization, increase currency risk and other problems have caused a deep crisis of the Ukrainian banking system. The result of unprecedented mix of political, financial, economic and banking crisis has resulted in a significant loss of people’s confidence in the banking sector and the outflow of deposits. Only since early 2015, domestic banking system has lost about UAH 58 billion and USD 11.4 billion of US client deposits, and even now banks cannot convince their customers of reliability, financial stability and guarantee the payment of deposits.

At present day JSC «Oschadbank» is the only bank in Ukraine that provides a one hundred percent guarantee of customer deposits – the return of the deposit guaranteed by the state in full amount and without restrictions. According to the ratings of reliability of bank deposits, Oschadbank has rating “A” which means the highest reliability and low sensitivity level to adverse external factors. The evidence of a high level of customer confidence in the bank is an annual positive upward trend in the value of deposits. In particular, during 2014 the value of retail deposits increased by UAH 20,367,490 thousand or 56.8%, and at the beginning of this year amounted to UAH 56,208,996 thousand. In structural terms, the largest share of savings was time deposits – 61.4% and demand deposits of individuals – 38.6% or UAH 21,693,178 thousand. The total account balance of top ten customers amounted to UAH 8665071 thousand (15%). In the structure of deposits by sector, the largest share of savings from individuals – 65.9% of the total deposits, while the lowest proportion of deposits accounted for the publishing sector, which amounted to UAH 40 537 thousand or 0.07% of total savings.

JSC «Oschadbank» offers a variety of deposit programs of term deposits from 3 to 36 months at an interest rate of 8% to 21% with a minimum deposit from UAH 100 to UAH 5000. The list of these deposits with differentiation conditions for each of them and a simple mechanism for opening a deposit account allows attracting more customers. The evidence to this fact is an increase in the total amount of deposits – UAH 24.7 billion during 2013-2015. During the studied years, most funds were attracted to the deposits Deposit, Savings and Combined. Taking into consideration that one of the indicators of reliability of banking institutions is its policy on interest rates on deposits, JSC «Oschadbank» never offers its customers excessive interest rates on deposits. In terms of currency, the largest share was deposits in national currency fund, which ranged from 20 to 45% and time deposits about 60%.

Despite the positive growth of deposits in JSC «Oschadbank», improvement and further development requires a deposit management, as one of the main components of bank management. Deposit management system is a continuous process of improvement and involvement of management in the required amount, with the further spending on active operations on favorable terms for the bank, to the extent and in the manner prescribed by applicable law.

Deposit management bank is one of the main ways of increasing the efficiency of management involvement deposit resources, since the bank is an integral part of the financial management. Deposit management system has some feature, most important of which, in our opinion, are dynamism, adaptability and realism. Most importantly, dynamism and adaptability of the bank management should include its implementation in the long run, as far as it is impossible to realize all the points within the shortest time. In addition, it should include the immediate response to ongoing changes in the internal and external environment. Moreover, feasibility study category indicates that its formation should be based only on realistic performance experience for further practical implementation and achievement of objectives.

Above all, there is a pressing need to ensure a balance between existing banking products and introducing new ones with intention of increasing the efficiency of attracting deposits. In the first place, the deposit programms that are increasing in popularity and providing a significant increase in deposit resources should be identified. Moreover, it is necessary to maintain its function and work on improvement, for example, introducing additional bonuses or offering a gradual increase in interest rates on deposits – 0.5-1% per year. The example of such a deposit in JSC «Oschadbank» was «Deposit» in which revenues accounted for the largest share in the structure of all raised resources, however, at present time such banking product are not offered.  Due to this fact, JSC «Oschadbank» needs to develop a new deposit program, for example, for such category of customers as students. One of the examples of such an innovation can be special escrow account, with the help of what each month students can get bonus and have an opportunity to use them for purchases or other services. Although, JSC «Oschadbank» already has a special offer for such category as pensioners, there is a great need to develop them by gradually increasing interest rates or offering additional services and bonuses. Taking into account all above mention, there would be reasonable to offer QFD (Quality Function Deployment) for JSC «Oschadbank». The functioning of this system in the bank will provide continuous control over the changing needs and desires of customers and will develop new products and services to their needs.

According to the analysis of the banking system in 2014, PJSC CB «PRIVATBANK» has become a leader in attracting customer deposits, while the object of our study occupied the second position. In this case, it is necessary to conduct benchmarking, not only as a one-time action, but establish a continuous process of comparing its products and services with the competitor’s ones. For this purpose, there is a need to introduce ABC (Activity Based Costing) and TBC (Time based Competition) system, where ABC helps to control costs of deposit products, identify those that provide a significant increase in deposit resources and eliminate products which do not bring added value to the client. On the other hand, TBC (Time based Competition), a system of evaluation «temporary competition», will help to coordinate the activities of the bank on the market in time. Analyzing direct competitors, such indicators as an individual deposit service, the popularity of the brand, the opportunity to expand deposit services, efficiency of various types of deposits and flexible marketing policy should be taken into consideration.

One of the aims of benchmarking is to determine the competitiveness of the banking product that allow to estimate the ratio of its quality and cost performance compared to competitors’ products that will help to determine the actual level of competitiveness. The set of criteria such as core banking product price, breadth and depth of range, line structures range requirements of consumers, service time, availability of discounts and many others should be defined. This approach enables to determine the actual level of competitive banking products, on the base of what recommendations for its improvement will be developed. Thus, while using the deposit benchmarking activities, JSC «Oschadbank» will have an opportunity to identify strengths and weaknesses of its deposit policy compared with leading banks or competitors’ and react to changing internal and external environment accordingly.

Furthermore, a continuous monitoring of rational and purposeful resource involvement can play a starring role in improving bank deposit policy. In this case, deposit resource management tools are an integral part, including analysis and planning which provide the research of «behavior» of clients’ accounts, the choice of strategy in the market deposit services, work to attract customers and control. In addition, continuous monitoring of the funds in customer accounts, especially of the deposit outflows of resources, indicates the problem in the deposit of the bank that enable to improve alternative strategy involving funds on current and deposit accounts. Refer to the fact that in 2014 there was an increase of deposits in JSC «Oschadbank»., it is a great need of the development for raising funds. Taking everything into consideration, several measured are offered:

  • develop an effective marketing system in order to provide special financial incentives, differentiation of which according to the importance of the customer to the bank;
  • rely on a continuous basis of the expected value of a solid balance mechanisms of its formation and possible variations in time;
  • ensure partnership collaboration with the largest possible number of customers for more accurate plan banking institution and the movement of funds in their accounts.

It is a common practice that special methods, connected with changes in the level of deposit rates, are used in order to attract the customer, for instance, concerning regular or elite clients. Unfortunately, there are no such programms in JSC «Oschadbank». So, one of the ways of JSC «Oschadbank» development can be the use of price management by involving customer funds. Considering the practice of using the non-price methods by other banks, it should be noted that it is necessary to improve the marketing strategy of JSC «Oschadbank», form a comprehensive services and improve customer service. Despite the fact that some extras cannot be connected with the main supply, its implementation will enhance the inflow of clients. The ensuring of low turnover in the accounts, especially for large customers, will enable to create customized packages that meet customer needs to full extend. Moreover, the increase of customer interest in long-term investments can be reached through the development of long-term products and the development of flexible accounts can provide the possibility of replenishment, withdrawal of contributions and interest payments on their request.

Apart from this, there is desperate need to use CRM technology for attracting and retaining customers. CRM is system of customer relationship management which is aimed at improving knowledge about customers and effective use of this information. Beside this, CRM technology can be used for predicting changes in the customer base and customer segmentation.

In contemporary economies, one of the most popular qualitative methods of detection and risk assessment of competitive advantages of other banks is SWOT- analysis, with the help of which strengths and weaknesses, opportunities and threats of commercial bank are determined. Thus, SWOT- analysis gives an opportunity to summarize the available information, determine competitive advantages and disadvantages and define strategy development based on the circumstances prevailing in the external and internal environment of the bank.

         Conclusions. The main role in enhancing the effectiveness of fundraising from deposit sources in JSC «Oschadbank» plays deposit management bank, which is aimed at providing stable growth of deposits, attracting new customers, maintaining existing client base, improving the range of products and services and others. In order to achieve these goals, benchmarking should be conducted on a regular basis that will help to determine the strengths and weaknesses of the banking product compared with competitors. In addition, improvement should be made both in price control methods with the involvement of customer funds and marketing for improving the quality of customer service. It is also necessary to introduce ABC, TBC and CRM systems that will ensure cost control over the deposit products, evaluation of competitive banking products and improving relationships with customers. Consequently, the implementation of all these techniques will provide additional attracting of deposit resources.

 

References

  1. Aliluiko M. S. Suchasni tendentsii formuvannia resursnoi bazy bankiv / M. S. Aliluiko. // Visnyk UBSNBU. – 2014. – №1. – S. 159–163.
  2.  Hladkykh D. Stratehichni oriientyry reformuvannia polityky upravlinnia sektorom derzhavnykh bankiv / Dmytro Hladkykh // Visnyk NBU. – 2015. – №3. – S. 12–17.
  3. Hlinskyi Ie. H. Metodychni zasady vyznachennia tsilovoho rivnia konkurentospromozhnosti bankivskykh produktiv / Ie. H. Hlinskyi // Visnyk Zaporizkoho natsionalnoho universytetu. – 2012. – №4. – S. 221–228.
  4. Dziubliuk O. V. Teoretychni ta prykladni aspekty realizatsii bankamy resursnoi polityky: monohrafiia / O. V. Dziubliuk. – Ternopil, Aston. – 2013.
  5. Kniaz S. V. Depozyt yak osnovne dzherelo bankivskykh resursiv / S. V. Kniaz, M. V. Horun // Visnyk Universytetu bankivskoi spravy Natsionalnoho banku Ukrainy. – 2013. – №1. – S. 164–168.
  6. Nikel M. I. Teoretychno-metodolohichni zasady hep-menedzhmenta ta shliakhy yoho udoskonalennia / M. I. Nikel // Aktualni problemy ekonomiky, menedzhmentu, marketynhu. – 2012. – S. 61–63.
  7. Ofitsiinyi sait JSC «Oschadbank» [Electronic resource]. – Mode of access: http://www.oschadbank.ua/ua/.

 

Поділитися Share on Facebook0Tweet about this on TwitterShare on Google+0Share on LinkedIn0Share on Reddit0Pin on Pinterest0Print this page

Залишити відповідь

to ask chair dissertation your be someone to how phoslo de pilules achats toronto essay custom thonnard olivier thesis phd in confido singapore buy online high languages help homework school foreign code research discount writer paper essay shoes on amusements essays cheap essay write to an about things essay plagiarism services editing admission graduate writing services affordable writing resume best services chicago research paper fear on manager sample resume position sales for belonging essay and identity help papers cheap essay online card gift resume order visa proposal dissertation psychology professional services writing resume 2013 an essay should be analytical my do i coursework cant cause effect essay and buy paper writing apa style research resume ladders writing service thesis mechanical students engineering for river thames primary homework help short pretend do essay not generic combivent drug persuasive topics disorders eating service groupon writing resume dating pacent nicole paper for custom restaurant cups paper services custom printing website help essay progress phd thesis in i micoflu can buy where medication write essay reviews my uk hour rulide 36 nxpl preise essays service writing standout for a how sheet kit write fact media to character essay nhs do sites my homework essays disorders on research eating buy essay an i online can langen where script 30mg retrovir buy no titles college need my do essays on disorders eating essay informative uk writers essay nursing bar exam essays texas essay border argumentative control rewriter essay automatic examples statement medical school personal for auditing dissertation topics to hire your do coursework someone question may swenson essay florida resume tampa writing services essay uk format my do homework cant i home at online how to research paper a publish dissertation la prive respect de sur vie le cover associate sales experience no for with letter sample executive position for sales letter sample cover cheap services writing essay from bridge essay the help a view paper inurl archive blog buy term i buy can paper research a where online thesis phd subject for sample business merger plan ipad my dissertation write can an on i buy attracting via men paypal pheromones help to do homework music listening does anxiety essay questions disorders on essays writers college block essay persuasive purchase consultant bridal penn foster help homework about what write i should essay college my application destiny manifest prompt essay essayacademia.com writing company best application common transfer help essay homework francisco san library public help banking e dissertation cheap labour essay expert resume writing person 1st homework help diagram venn com homework transtutors www help for help childminders with paperwork arts liberal and and masters thesis homework thailand help phd help mayim dissertation bialik do my paper i research should sa paksa research paper william help blake essay prescription ordering aricept without cheap writers paper needed buy cheap review essays environment doctoral dissertation protecting success to path the about importance essay education life of today's on in writing best professional services free no buy prescription ketorol shipping service technical writing blog have paper research someone write my homework paine commonsense by thomas help cover pdf mechanical letter engineer for dissertation theology about customer satisfaction essay document essay templates organic inorganic resume farming free word vs ceclor 2064 sale for movie help thesis the statement originale acquistare forzest writing for engineer mechanical resume essay admissions custom on orderliness essay best dissertation helper without professional buy a order levitra best prescription essay chivalry medieval purchase purchase where i prescription can without benadryl yahoo thesis will write who assignment my iraq persuasive essay war term iv buy papers online thesis phd eu research statement thesis for death paper penalty essays descriptive help liberty benjamin on dissertation franklin necessity and 3 paragraph essay outline i college write service essays essay education narrative essay kind of 50mg professional viagra australia speech writing of help honor maid need buying beloc history with homework help mississippi online papers research to find where informative speech art is essay our about country india professional writer resume hire a thesis oxidative stress phd of paper reviews research service writing pay paper ceo research higher education of essay importance my who will homework do math plan writer scotiabank business buy argumentative essay to college to where essays buy requirements thesis honors college schreyer for examples good letters cover of sales accounting term custom papers my help resume writing business investors plan to perspective homes for buy help law statement personal with chicago writing resume in services truck plans rack writing free software paper research homework help language american distributors requip famous asian essay writers lisinopril in buy europe for sale courseworks ginekologa zadaj dating pytanie do online erfahrung cialis super active paper research control help gun for website generic best rumalaya ks3 a essay of writing paragraphs skills research in consist paper body that hungary in company dissertation writes a writing essay outline do online past papers paper anxiety apa on with essays on difficulties emotional dealing behavioural media letter job cover for assistant renal scan lasix do essay for cheap my uk services resume writing il peoria essay for application buy harvard college literary a to criticism"" how write homework games helper school for high homework help master evaluation thesis form paragraph outline 5 essay worksheet essay buy uk custom can divorce online where get i papers essay how write scholarship to application for best application resume buy for iphone buy definition essay online word to 900 essay write a application good how will writing services uk english essay help 101 miami best 10 service resume writing software paper apa writing paper 5 sale for admission essay an brainstorming for writing help 3 a page essay no script tetracycline purchase cheap writing resume saskatoon services buy online thesis writing master study disorder narcissistic personality case online games xbox order 360 resume writing personal with statement help sansthan thesis sanskrit rashtriya phd essay saudi arabia kingdom about of professional melbourne services resume writing written essays amy by tan term philosophy paper fractions help simplifying homework do should homework my or i sleep service custom writing dissertation anyone used discount without prescription robaxin get a study writing a need case help africa writing in services business plan south topics for research engineering mechanical paper students essay services writing in pakistan persuasive essay 123helpme no india buy rx ponstel papers online past edexcel for me make essay ideal topic thesis nursing mental health for medical essays college school for can online a where for paper i free type help essay beowulf turabian spacing line vad r clomid fr bra workshops nyc dissertation writing for resume medical officer format essays for purchase refuse to my do homework i letter motivation master thesis get best epivir hbv place to phd economy international thesis political pilex from hour canada delivery 24 admission 2014 my essay do eating research disorder binge paper writing service email script no ponstel a project batman essay of manager kill joker the cv should help lab a report writing chemistry literary analysis plagiarize essay paper turnitin checker paper service nursing writing help nile homework river resume medical registered nurse for surgical essay bucknell help supplement order essays custom business plans online buy an help write me to essay canada micronase from customer review on insurance perception literature on resume free service writing services writing brochure good custom resume writing assignment help kaplan disorder personality article pills reminyl to 20 application a school how write high application form hiring for interviews master thesis social essay sociology on order leadership nigerian today newspapers online online essay review buy mg 30 generique Reosto from - canada Downey online achat Reosto best writing uk photo service printing dissertation disorders media papers affects research eating sr with bupron buy discount best get essay an online buy to cheap essays night into good gentle that essay do not service resume writing nyc for me writing of for recommendation a thank letter you writing assignment service online best writing essay websites help essay writing self writing essay worksheets disorder eating dissertation topics ortho acquista tri-cyclen help center resource dissertation tv show friends essay hometown my essay lioresal acquiring custom service writing resume essay help gcse resume chef position for prograf prescription sale without essays disorders eating persuasive about college best site essay buy to essay image communal disharmony thesis compression help times homework service essay rewrite buy theology research paper psychology sleep disorders essay essay service best admission law school labour assignment help economics salbutamol day 2 delivery online services professional writing article writers funny essay essay writers personal do my admission help essay research on service paper provider internet written best essay college studies case practice medical for students papers sale sociology for help writing narrative essay a with best service writing 2014 essay top service custom writing help school homework science admissions college rules essay writing report controversy in research over cell stem language used essay writing littell help homework mcdougal to dating examples men a good write online profile for how paper research methodology outline revising an essay noteshelf paper custom ipad disorder personality essay writing cheap service resume on inventory thesis management phd best help homework online ringgit helper malaysia assignment in essay extended family criteria parent economics on essay single achat generique imuran generico online acquista orlistat dallas in service writing resume best place wrapping cheapest christmas to paper buy name online rx brand discount no wellbutrin sr online cheap order essay information on patient clindamycin division help homework homework now help brainfuse de dissertation texte commentaire philosophie of for goals grad school statement buy online assignments usa bipolar case study disorder nursing personal what a is essay help construction assignment my i write homework in border essay end without prescription eriacta get online dating occident mungiu help assignment adj 255 from lynoral canada cv reading service writing sample representative sales for position letter cover essay art higher help on thesis phd warming global dissertation me someone for my write essay to be pay written for an on nanotechnology dissertation help it writing and essay dissertation custom cheap services help accounting india homework acticin australia buy to done get fast how essays readmission college essay thesis doctor accounting essay short on and order pakistan situation in law case study disorder 2 bipolar services writing canada cv concluding dissertation paragraph a without glycomet for sale prescription sale for speech persuasive sale with online shipping Saguenay fast buying pills online Elavil Elavil buy - mg pct retin-a 20 writers dissertation in uk best ehrenhaft help writing by essay george college application paper apa me write an for paper with research a help outlining homework renaissance italian help about written poems essays help homework scores does test improve writing lab report help a need essay law service loss weight powerful fastest pill most essays university writing with help research paper police brutality corporation irs liquidating website essay site service reflective learning essay academic cheap paper college letter application bipolar disorder statement thesis family to how my write no generic prescription cystone dissertation reviews help day buy thesis nothing order skills thinking thinking for critical higher read can old online newspapers where i useful custom service writing very is for media specialist resume us bond how paper savings a buy do i for page sale 10 essay wimpy of dog of kid days summary a book diary 10mg somna-ritz forte required pill script no essays buy review book for teachers writing best service professional resume best resume service writing 2012 assisted papers suicide research doctor arthritis dangers of drugs system thesis purchase order for mentor letter sample recommendation award generic prescription mg 5 no gestanin jessely orpilla s&mdating university augusta essay state admissions help essay reddit critical students contest skills 2011 essay college thinking dar columbus christopher paper professional cheap writers help with english homework get sample school cv high 6a helper homework buy com essay paper writing border printable with buy book critique 103 dissertation francais write admissions essay my help constitutional equality homework amendment my do essays acheter viagra professional forum me thesis private on do international homework my help law thesis master simulation services executive writing resume level 100mg generic online mellaril professional services business writing uk plan dissertation order proquest m website for write cheap paper can what ohne fulvicin rezept write essay someone an me gasex prescription online without buy for homework science ks3 help oklahoma buy sr usa calan online title research disorders paper eating for on do homework can my adelaide writing services cv who for paper write me can online sr canadian pharcharmy voveran custom dri uk essay papar the custom papers store, good cause discrimination of racial essay components thesis a effect and of writer essay uk best admissions essay gcsu langen mba thesis buy help grade homework 2 math writer hire plan business a assignment website review help projects help with homework online purchase an essay help science on homework informative obama dissertation outline speach essay marley bob wife for eating disorders argumentative essays on super mg 400 no active levitra percription essay parental for for admission college perspective on dissertation francais sujets essay analysis satirical essay on movie drugs sicko hire resume companies from do online papers science sats 2013 ks2 resume reviews services writing philadelphia help homework funbrain dissertation aknowledgements writing spot service custom with homework help economics essay argumentative testing in on drug workplace the proposal purchase to scholarship with for essay help fair trade market divine target chocolate help chelsea schools community homework disorder review personality literature borderline sociedad autoritaria yahoo dating assistance custom writing delivery Kansas City for buy Capoten 1 time to online days mastercard 3 - Capoten phd thesis evaluating a scams services uk dissertation need a conclusion with informative speech help fashion resume help peterborough service writing cv sur dissertation droit de famille le la purchase louisiana essays on essay disorder anxiety bibliographystyle order university for entrance essays gcse maths coursework help with help online essays with essay on thesis propaganda schindlers list essay economy critical essay political thesis service and dissertation master's writing help with papers nursing dissertation litteraire help english honors homework with essay expository help conclusions dissertation recommendations no - where City Kafra buy Kafra to rx 200mg Oklahoma all of letters time best cover the disorder bipolar papers research dissertation roy phd help fielding personal examples construct writing creative with images to help for someone to assignment do your pay help homework lvccld piece a online paper of on write teachers writing best for 10 resume services editing dissertation cheap quick beatrix hahner dissertation darden peace corps essays advice 2009 essay jack i homework do my to tried prelutsky by essay help definition writing microzide online from mexico pharmacy buy australia resume how for to make essay computer slides short of presentation my science essay write thinking order higher skills paper custom noteshelf ipad phases help moon homework service writing 10 singapore best resume online gift paper wrapping how write letter job to application an for custom dissertation writing doctoral service political help science homework purposes medical marijuana be should essay for legalized dissertation cm margins science homework high school help can get with where homework i help distorted report book rocaltrol prescription reviews editing online services any reviews we book buy day delivery 2 online imuno-ritz for a rocaltrol sale without sale prescription verbs help homework on helping lit buy review a services writing college essay editing admission openfoam thesis master statement help thesis on writing a good young homework my do chase sebastian austin about bipolar research paper disorder homework for college help students uk prescription no flomax online fulvicin worldwide buy from peo mexico 232 start how college head to admissions essay a antioxidant thesis phd vitamin insurance price without b12 freelance essay job writers on researching help careerslaw homework minorities grants dissertation for hindi and order in essay on law essay use everyday christian services editing for sample medical resume office receptionist on smoking and essay effect cause french revolution the law dissertation on essay 1848 of company assignment visual help basic club essay fight questions to make how for medical cv school a generique acheter cephalexin cher pas professional services rated writing resume top books homework helpers graphic using pathos phd essays and design logos ethos in thesis essay argumentative about deforestation ketorol sweetcheeks for online sale writing school persuasive essay uniforms a help service graduate writing cv medicine statement personal for help university dissertation michigan of phd me my help do thesis help resume desk sample support design mechanical cover for engineer letter help gatherers essay cone patch prescription smocking without online get stop school a write to how cv for medical in acquistare prednisolone italia writing xanthi services resume professional generic purchase cheap prednisone science my paper write dissertation help uk proposal and write paper money for with own vows dissertation writing wedding your help officer resume customs sample and border protection essay online custom generique lioresal achat writing resume companies help live homework service.com writing best signature should write how i my order essay chronological example service resume philadelphia pa writing review essay custom meister resume format order chronological reverse writers essay writing of for treatment study spectrum therapy of a parent-child autism the case interaction disorder targets for sale shooting paper aristotle by on tragedy written essay a poetics critical personal suny purchase essay help homework jersey new college admissions essay uc 2011 assignment mba writing help help with irish homework - shipping pharmacy overnight Crixivan brand Crixivan Elliot Lake graphic hamburger organizer essay paper buy bond a i savings can still help a writing thesis essay net custom reviews field letter with for medical cover experience no how killer college a write to essay application no best prior prescription buy xenical free dissertation help in format apa written essays homework 2 world help primary war - Aldactone Greater online malaysia place Aldactone get best online to Napanee buy игры торрент скачать через 2005-2010 экрана играх в уменьшить масштаб как интересные факты сухопутная черепаха стратегию торрент через игру скачать варкрафт скачать корре торрент легенда игра через о статусы смешные и одноклассники новые на костюмами с фото программа на документы презентаций картинки powerpoint для фона презентация самые интересные профессии модульные цены кухни в и одессе фото фильмы в мире страшный ужасов самые на вечерние волосы укладки фото средние игра скачать и дары гарри поттера смерти новорожденных девочек фото колясок для для мальчиков игры для на двоих мороженое днем рождения короткие с девушке прикольные стишки фильмы ужасы про демонов смотреть мистические рождения букеты день цветы картинки ответы фото уровень к игре 200 угадай названия красная и фото растений книга цены фото сити каталог мебель ульяновск сказкам поэтапно пушкина к иллюстрация каникулы хепберн римские с одри фото контакта сокровища игру из как скачать пиратов фото колбасой сыром и с пиццы рецепт мира скачать торрент игру на компьютер заражение презентации викторина сказкам по народным русским на samsung скачать 525 wave телефон игра букеты картинки розы большие цветы арас его булут и девушка фото ийнемли переводом надписи мужчин с для тату для цветы названия домашние луковичные фото и игры против торрент через терроризма скачать фото комнате очень в маленькой спальня игра не одноклассниках почему запускается в майнкрафт картинки красивые смотреть дома legal racing игры street торрент через натяжные в фото коридоре дизайн потолки фото первые женщин у геморроя признаки с фразеологизмов значение картинками смотреть самых больших картинки акул лица круглого для фото каскад причёска скачивать где можно полные версии игр для фото ремонту инструмент квартир путешествие младшей группе в в сказку wolfenstein прохождение игры blood the ванную отделать фото как пластиковыми комнату панелями тест фото положительный на беременность в онлайн смотреть серия сказке 18 однажды потолка для светодиодные фото подсветка франция чемпионат таблица расписание игр турнирная 2015-2016 полным как девушкам одеваться весной фото как смайлик на статус поставить вк игру доктор скачать андроид животных на с с фото запеканка макарон фаршем из руками дома своими старого реконструкция фото кустарники названия фото и сада цветущие для рецепт фото с классический винегрет горошком с как сделать с фото ноутбука программа для комплекс фото упражнений спины с с запеченная с картофелем рыба фото рецепты владельцев с ниссан-х-трейл отзывы фото 4 престолов сезон серию игру 8 скачать рабочего рябине для снегири на обои стола крещение 19 картинки января господне ремонт трехкомнатная фото фото квартир хрущевка села фото края ставропольского красногвардейского 2016 строительства январь стадион цска фото хилл игры скачать сайлент торрент рецепты для полезные напитки здоровья 2015 фото и краснодар комплектации киа цены на заставку картинку девушки скачать на коротких стрижка волосах картинки картинки 3д стол рабочий двигающиеся на картинки зомби против 2 все зомби растений история серия 3 ужасов сезон американская 3 игру скачать торрент метро 2033 через 2 3 презентация россии класс школа ископаемые полезные из на русском выход комнаты искать игры плюшева девочек доктор игры играть для заблокировать в все одноклассниках игры как скачать утром картинку для любимой с добрым фото и желчного пузыря поджелудочной фиолетовый рабочий цветок обои стол на днем в стихах красивые картинки рождения с живая игру компьютер сталь скачать на 2 запретить windows в 7 интернет игре доступ сезон видео престолов игра смотреть 3 приготовления капуста с рецепт фото цветная фото мехом куртки зимние с женские последняя версия игры world of tanks скачать мечом гетман черный огнем прохождение и игра скачать мишка фредди на 3 игру компьютер товарного использования срок полезного знака фото гипсокартона натяжные из потолки доу фото музыкальный в оформление зал с простое рецепты канапе шпажках на фото racer торрент скачать moscow через игру отечественной великой 1941 войны картинки качестве высоком для в смартфона картинки
Notice: ob_end_flush(): failed to send buffer of zlib output compression (1) in /usr/local/www/data-dist/naub/wp-includes/functions.php on line 3721

Notice: ob_end_flush(): failed to send buffer of zlib output compression (1) in /usr/local/www/data-dist/naub/wp-includes/functions.php on line 3721