VTB plans to increase its office network by 40% over the next three years and to enter new territories for the bank, said Georgy Gorshkov, Deputy Chairman of the Bank's Management Board. VTB also plans to expand its courier staff by 1.5 times next year to make banking services more accessible to retail customers. Bank's goal is to double the coverage of physical channels. As a result, VTB's network should cover more than 100 million people, which will allow the bank to take a leading position in the market.