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Sberbank of Russia


PJSC Sberbank is the largest bank of the Russian Federation and the CIS.

Central Bank of Russian Federation
Federal Agency for State Property Management (Rosimushchestvo)


260000 employees in 2017



+ Sberbank of Russia

Шаблон:Subject Sberbank

Governing bodies of Sberbank

  • General shareholder meeting — the supreme governing body of Sberbank of Russia. At general shareholder meeting decisions on the main issues of activity of bank among which there is a making changes and additions in the charter of bank or the adoption of the charter, liquidation of bank, election of members of the supervisory board of bank and early termination of their powers, election of the president, chairman of the board of bank and early termination of its powers, etc. are made.

  • The supervisory board of bank consists of 17 directors among whom there are 6 bank representatives of Russia, 2 representatives of the Government of the Russian Federation, 2 representatives of Sberbank of Russia and 7 independent directors. The following questions are within the competence of the supervisory board of bank: determination of priority activities of bank, convocation of general shareholder meetings and the approval of their agenda, the recommendation about the size of a share dividend, approval of large deals in the cases provided by the federal law, etc.

  • The bank board consists of 14 members. The president, the chairman of the board of bank heads bank board. Questions of the leadership in the current activity of bank, except for the questions referred to competence of general shareholder meeting and the supervisory board are within the competence of bank board.


For December, 2012 the number of retail clients of Sberbank exceeds 106 million people at the total number of the population of Russia in 143 million people. Corporate clients of Sberbank are 1.5 million organizations at the total number of the Russian companies of 4.3 million.

For January 1, 2011 assets of Sberbank were more than a quarter of a banking system of the country (27%), and the share in banking capital was at the level of 26%.

Territorial banks in Russia

Sberbank has a wide branch network: now it includes 17 territorial banks and about 20 thousand divisions through the whole country.

  • Baikal bank (Zabaykalsky Krai, Irkutsk region, Republic of Buryatia)
  • Volga-Vyatka bank (Nizhny Novgorod, Vladimir, Kirov regions, Republic of Mordovia, Republic of Mari El, Chuvash Republic, Republic of Tatarstan)
  • East Siberian bank (Krasnoyarsk Krai, Republic of Tyva, Republic of Khakassia)
  • Far East bank (Khabarovsk Krai, Primorsky Krai, Amur, Sakhalin regions, Jewish Autonomous Region)
  • West Siberian bank (Tyumen, Omsk regions, Khanty-Mansi Autonomous Okrug, Yamalo-Nenets Autonomous Area)
  • West Ural bank (Perm Krai, Komi Republic, Udmurt Republic)
  • Moscow bank (City of Moscow)
  • Volga region bank (Samara, Ulyanovsk, Orenburg, Saratov, Volgograd, Astrakhan, Penza regions)
  • Northern bank (Yaroslavl, Kostroma, Ivanovo, Vologda, Arkhangelsk regions, Nenets Autonomous Okrug)
  • Northeast bank (Magadan region, Kamchatka Krai, Chukotka Autonomous Okrug, Sakha Republic)
  • Northwest bank (city of St. Petersburg, Leningrad, Murmansk, Kaliningrad, Pskov, Novgorod regions, Republic of Karelia)
  • North Caucasian bank (Stavropol Krai, Republic of Ingushetia, Republic of North Ossetia-Alania, Kabardino-Balkar Republic, Republic of Dagestan, Karachay-Cherkess Republic, Republic of Kalmykia, Chechen Republic)
  • Siberian bank (Novosibirsk, Tomsk, Kemerovo regions, Altai Krai, Altai Republic)
  • Central Russian bank (Moscow, Tver, Kaluga, Bryansk, Smolensk, Tula, Ryazan regions)
  • Ural bank (Sverdlovsk, Chelyabinsk, Kurgan regions, Republic of Bashkortostan)
  • Central Chernozem bank (Voronezh, Oryol, Lipetsk, Kursk, Belgorod, Tambov regions)
  • Southwest bank (Rostov region, Krasnodar Krai, Republic of Adygea)

Foreign representations

JSC Sberbank of Russia expands the presence in international market, diversifying business growth sources. Expansion of Bank on foreign market began in 2006 when the bank in Kazakhstan was acquired.

In 2007 the bank came to Ukraine (see article Sberbank the Russian Federation (Ukraine), and in 2009 to Belarus (see article BPS-Sberbank).

Opening of representation in Germany (see article Sberbank the Russian Federation (Germany)), branch in India (see article Sberbank the Russian Federation (India)) and representations in China (see article Sberbank of the Russian Federation (China)) became the next stage.

At the end of 2011 Sberbank closed the deal on purchase of 99.15% of stocks of SLB Commercial Bank AG from structures of Lukoil company. He paid 75.3 million Swiss francs for this asset — it practically corresponds to the capital of the bought bank. The remained minority share of SLB — 0.85% — belongs to Vnesheconombank, follows from the reporting of Swiss Bank. SLB will be renamed into Sberbank the Russian Federation (Switzerland) and will be engaged in syndicated lending and trade financing.

Considering features of foreign markets, JSC Sberbank of Russia intends both to purchase new assets there, and to create banks, branches and representations and also non-bank financial companies. It is planned that by 2014 Sberbank will increase a share of the net profit got from the international activity to 5%.

Performance Indicators


More than 41% of money transfers in Russia are the share of Sberbank

According to data of the annual report of the Central Bank, the share of transfers through payment system of Sberbank in the Russian market in 2018 made 41.2%.

In a total amount of transfers in payment systems of 41.2% it was the share of the transfer made through socially important payment system Sberbank, said in the document of the Central Bank.[1]

Growth of the portfolio of the credits to natural persons for 25.3% to 6.2 trillion rubles

On March 26, 2019 Sberbank reported results of work of the retail business in 2018, having shown steady growth in the main directions as a result of special attention to quality of client experience and improvement of digital channels of service.

The key operational and financial performance for 2018: steady growth in all directions of business

The number of active clients — individuals of Sberbank in 2018 grew by 8% (or by 6 million people), having closely reached a point in 93 million people. The portfolio of the credits showed to individuals based on 2018 growth by 25.3% year on year and exceeded 6.2 trillion rubles, at the same time the portfolio on a mortgage grew in a year by 25% and exceeded 3.6 trillion rubles. Portfolio growth on credit cards was 15% and reached 634 billion rubles, and portfolio growth of consumer loans was 30%, having reached 1.9 trillion rubles for the end of 2018.

The deposit portfolio of individuals at the end of 2018 grew by 7% and made 12.8 trillion rubles. The gain in a year on term deposits of individuals made 5%, and on current 15% equal.

The number of active users of digital channels of service of Sberbank (mobile application + web) at the end of 2018 grew to 60 million people that is 28% more, than in 2017. For March, 2019 two thirds of clients actively use an ecosystem of digital products and services Sberbank Online. The share of sales of products in digital channels in 2018 grew to 37%.

The key initiatives and events for 2018: digital channels win clients

2018 is mentioned by significant growth in use of mobile application and personal account Sberbank Online as the main channel of interaction of clients with Sberbank.

In October, 2018, following the strategy of digitalization of bank services and a gradual failure from plastic cards, Sberbank provided completely digital debit card which it is possible to issue and activate Online in Sberbank. Since launch clients issued more than 600 thousand digital maps.

At the end of year of sale of debit cards in Sberbank Online grew by 3 times — to 20% of all debit cards. Twice use of function of blocking of the card grew. In March, 2019 Sberbank provided service of change of the PIN code to Sberbank Online that, as expected, will also promote growth of use of a digital ecosystem of bank.

The procedure of receiving a consumer loan in the application and a personal account Sberbank Online in 2018 was improved, the number of necessary actions for receiving the credit and time of the reply of bank was considerably reduced. Every second client of Sberbank makes out a consumer loan in Sberbank Online that corresponds to 25 thousand requests daily.

The demand of payment of penalties of traffic police through Sberbank Online grew in 2018 twice. The service allows to obtain the main information on a penalty in the single interface and also to keep track of the status of its repayment.

In 2018 Sberbank began to advise clients through chats in Sberbank Online. For March, 2019 in this channel more than 1 million sessions a month are held. 20% of addresses through a chat are fulfilled automatically by means of chat-bots.

At the end of year of 63% of the multifunction centers of public services (MFC) of Moscow accept cashless payments through Sberbank, service is available in 12 regions of Russia.

For clients of bonus network of service Sberbank the First in 2018 is provided new digital service "Sberbank Assistant" which every fifth client uses today. The service offers full range of services and opportunities for wealthy clients and allows to give instructions to the personal manager in the most convenient and fast form.

Growth of net profit by 11.1% to 831.7 billion rubles

  • The net profit of Group was 831.7 billion rubles, having increased by 11.1% in comparison with 2017;
  • Profit on the ordinary share on the continuing activity was 38.13 rub, having shown growth by 15.4% in comparison with 2017;
  • Profitability kapitalai reached 23.1%, and return on assets – 3.2%;
  • Net commission income increased by 18.1% to 445.3 billion rubles in comparison with 2017;
  • The Group credits to a reserve deduction under impairment (including the credits estimated at the amortized and fair value) increased by 16.5% to 21.1 trillion rub. The retail credit portfolio grew by 25.0% to 6.8 trillion rub, and a corporate portfolio – for 12.9% to 14.3 trillion rub in a year.

Company takeovers and asset sale

Main article: Absorption and asset sale of Sberbank

Informatization and communication

Digital business

Main article: Digital business of Sberbank

In 2014 Sberbank opened division on development of digital business. Victor Orlovsky appointed the senior vice president for development of digital business of Sberbank in March, 2015 told TAdviser about plans for this direction.

Main objective of new division is business development of Sberbank in areas, new to it, on the basis of new technologies. It assumes investments into the third-party companies which are engaged in development to get access to their technologies.

Counteraction to swindlers and hackers

Main article: Sberbank (information security)



Start of services of outsourcing Sber Resheniya

On May 24, 2019 Sberbank announced start of a service line outsourcing business processes under the Sber Resheniya brand. In more detail here.

Sberbank asks clients to explain income from cryptocurrencies

In the middle of May, 2019 it became known of requirements of Sberbank to explain income which clients gain from cryptocurrencies. Read more here.

Offer on debt restructuring of the Anti-Pinsk Refinery

On April 30, 2019 it became known that Sberbank, the managing director of capital asset of group New Stream Anti-Pinsk Refinery, wants to convince others creditors of need of debt restructuring of the Anti-Pinsk Refinery and selection of a dopfinansirovaniye. Otherwise to the plant which for the end of April, 2019 is almost stopped, bankruptcy threatens. Despite selection of a dopfinansirovaniye at the end of 2018, Sberbank did not manage to receive the sufficient volume of advance payments from traders for a full load of the plant raw materials. Besides, the fate of the plant will be affected by the result of negotiations with Azerbaijani SOCAR which expressed intention to purchase it. In more detail here.

The agreement with GE Healthcare on cooperation in the field of leasing of the medical equipment

On February 4, 2019 Sberbank, Sberbank Leasing and GE Healthcare signed the agreement on cooperation in the field of leasing of the medical equipment. As stated in the statement of Sberbank, the agreement purpose — to provide advantageous conditions of acquisition of the hi-tech medical equipment for the public and private treatment and prevention facilities that, as expected, will contribute to the development and upgrade of health care in Russia.

Sberbank, Sberbank Leasing and GE Healthcare signed the agreement on cooperation
Development of a health care system — one of tasks, priority for our country, and Sberbank it is ready to participate in its solution. We are glad that the instruments of leasing offered by group Sberbank will help to update fund of the medical equipment intended for diagnostics and treatment of diseases, including cardiovascular and oncological.

It is supposed that tripartite cooperation will help to raise performance indicators of health care systems of regions. Within cooperation GE Healthcare will be responsible for delivery of a wide line of the hi-tech diagnostic equipment and digital solutions and also its full service support — repair of the equipment and delivery of spare parts. Besides, programs of leasing will allow to propose to regions complete solutions on creation of the centers of examination for early diagnosis of oncological, cardiological and other socially important diseases, noted in Sberbank.

Cooperation with GE Healthcare company, producer of the medical diagnostic equipment, will allow organizations to purchase the equipment on advantageous and comfortable conditions. Thanks to deliveries of the modern equipment and ensuring its smooth operation diagnostics, quality of medical services and rehabilitations will be improved, Vyacheslav Spirov, the CEO of JSC Sberbank Leasing is convinced.

GE Healthcare implements many years complex projects in medical institutions of different level. Such projects require modern solutions in the field of medical technologies, flexible approach to service of technical base and big focus on training of medical personnel. Implementation of new financial instruments became one of new, inseparable elements for successful implementation of medical projects. We see huge potential in development of this direction and possibilities of cooperation with PJSC Sberbank and JSC Sberbank Leasing are glad. We are sure that this agreement will promote increase in availability of modern diagnostics and high-quality medical care for thousands of patients in all regions of the country — Nina Kandelaki, the president and the chief executive officer of GE Healthcare in Russia / CIS said in return.

Creation of Laboratory of neurosciences and behavior of the person

Sberbank made the decision on creation of Laboratory of neurosciences and behavior of the person. As representatives of Sberbank reported TAdviser on February 11, 2019, the laboratory will be engaged in carrying out scientific research in the field of neurophysiology, social psychology and cognitive science and implementation of results of scientific developments in daily practice of the companies of Group Sberbank.

Sberbank created laboratory of neurosciences and behavior of the person under the leadership of Andrey Kurpatov. Photo:

The newly created laboratory in two cities — St. Petersburg and Moscow will be based. And Andrey Kurpatov, the president of the Higher school of methodology, the famous scientist, the author more than one hundred scientific works, the creator of system behavioural psychotherapy and methodology of thinking is appointed her research supervisor.

As Lev Hasis specified, the First Deputy Chairman of the board of Sberbank, the main objective of laboratory is achievement of complete relevance of communications and products of an ecosystem of Sberbank to needs of the person.

We want to create thanks to developments of laboratory emotional connection with everyone who adjoins to products of our ecosystem, and we regard this communication as a basis of our competitiveness. Andrey Kurpatov combines competences of the person from business and science, having experience of management of difficult media projects and big researches. We welcome it in a command of Sberbank and are sure that we will be able to construct scientific laboratory with essential practical effect for our business — Lev Hasis said.

Loss of 10 positions in the rating of the most expensive brands

In January, 2019 the consulting company Brand Finance published the annual rating of the most expensive brands in the world. Sberbank lost 10 positions and was at the 139th place of rating (the bank took the 129th position in the 2018th) with brand assessment in $12.4 billion that is 6.3% more in comparison with 2018. It is the good result among the Russian companies. Read more here.


Gref became the curator of technology development of Sberbank

On December 10, 2018 Sberbank announced increase in a role of technology and marketing divisions of bank. With respect thereto David Rafalovsky was appointed the executive vice president and began to submit to the president, the chairman of the board of Sberbank German Gref, continuing to perform functions of service station of the Sberbank group.

Not only bank: the new businesses turning Sberbank into a high tech corporation

One of the purposes of Strategy 2020 accepted by Sberbank declares implementation of initiatives which will allow to compete with the global technology companies. This competition is developed in the plane of formation of the best client experience, and unreliable financial. For this purpose the bank starts different digital initiatives, enters strategic alliances, looks for startups and tests market niches, new to itself. Read more here.

Integration of Corporate Business and Sberbank CIB blocks

Sberbank announced on August 22, 2018 the solution to integrate the blocks "Corporate Business" and Sberbank CIB working with corporate clients. Integration is going to be completed until the end of 2018. On expectations of bank, it will allow to create uniform technology, managerial and product platforms for work with clients, to gain considerable synergy effect for further optimization of work with clients of the corporate sector. Read more here.

Start of School 21 on training of programmers

Sberbank announced on May 24, 2018 start of School 21 — an educational initiative of world-class training of specialists in the field of programming. Training at school is free and lasts from 1.5 to 4 years. The school works 24/7 only in offline format (presence of students is necessary). Read more here.

Agreement with Huawei on cooperation in ICT

The Huawei company and Sberbank signed on April 3, 2018 the agreement on cooperation in the field of development of information and communication technologies based on Huawei OpenLab and their further implementation in the bank industry. The companies intend to develop jointly network solutions using the open source. The agreement was signed within official opening of Huawei OpenLab Moscow. Read more here.

Creation of a cloud platform of SberCloud

Sberbank and the Russian system integrator "I-Teco" signed on April 2, 2018 the agreement on creation of a joint cloud platform of SberCloud. It is supposed that the company will provide cloud solutions both for Sberbank and its partners, and for external clients. Participation of Sberbank in joint venture will make 60%. Read more here.

Opening  of Trading floor largest in Europe

At the end of January, 2018 Sberbank announced opening  of Trading floor largest in Europe. It was located in the head building of credit institution.

Trading floor largest in Europe opened by Sberbank
Trading floor largest in Europe opened by Sberbank

Trading floor is a hall in which traders hold commercial transactions. Such platforms most often can be met at the exchanges. With the advent of electronic platforms many large Trading floor in the stock market began to disappear. In Trading Floor the traders and brokers surrounded to computers take and sell shares for different clients by phone or on the Internet. Such marketplaces can be found in the broker companies,  investment banks  and other organizations participating in trading. 

Trading floor largest in Europe opened by Sberbank
Trading floor largest in Europe opened by Sberbank

As reported in Sberbank, the area of new  Trading floor exceeded 4 thousand square meters, more than 400 jobs are created there and it is provided by one of the biggest LED screens in the world with such high resolution (a pixel step — 1.2 mm).

Trading floor largest in Europe opened by Sberbank
Trading floor largest in Europe opened by Sberbank

On the third floor of the head building of Sberbank divisions of sales, trading, structural products and the electronic markets are located. On the fourth floor there are investment banking, analytical management, management of business management and development.

Trading floor largest in Europe opened by Sberbank
Trading floor largest in Europe opened by Sberbank

In each workplace of the trader and sales the possibility of installation up to 8 personal computers and up to 12 monitors is provided. Trading is equipped with two LED screens located on atrium perimeter.

Trading floor largest in Europe opened by Sberbank
Trading floor largest in Europe opened by Sberbank
Global markets were always one of the most hi-tech businesses, and Sberbank always set in it a trend — the vice president of Sberbank, the Head of Department of global markets of Sberbank Cibandrey Shemetov says. — our new Trading floor — one of the most modern international venues that allows us to provide most quickly to our clients service of the highest level.


Growth of net profit by 38.2% to 748.7 billion rubles

  • The group of Sberbank increased net profit by 38.2% in comparison with 2016 to  748.7 billion rubles.
  • Profit on the ordinary share  was 34.58 rubles, having shown growth by 38.3%  in comparison with 2016.  Profitability of the capital  reached 24.2%, in comparison with 20.8% the previous year. Return on assets grew to 2.9%, in comparison with 2.1% in 2016.
  • Net commission income  increased by 12.9% of yoy to 394.2 billion rubles, generally due to transactions with bank cards.
  • The loan portfolio  of Group  to a reserve deduction under impairment grew by 6.6% in 2017 to 19.9 trillion rubles, including growth of the credits to individuals – for 13.6% to 5.7 trillion rubles, generally due to growth of the mortgage portfolio by 16.0% in a year.
  • The coefficient of sufficiency  of the basic capital of the 1st level  according to the standard Basel made III 11.4% at the end of year that on 120 basis points  (further – "bp")  above an indicator of 2016.

Sberbank closed about 700 departments

In 2017 Sberbank closed 704 departments of bank service. It is said in the report of bank on RAS for 2017. So, as of January 1, 2017 Sberbank had  15,016 departments of bank service, as of January 1, 2018 —  14,312 departments.

Net profit under RAS of 674 billion rubles (+30%)

In 2017 the net profit of Sberbank under RAS without events after a reporting date was 674 billion rubles, having increased by 30% in comparison with a similar indicator of 2016. Also for last year the bank issued the record volume of the credits.

Sberbank will begin to render services to MFC

Since 2019 Sberbank branches of Russia will begin to perform functions of the multifunction centers of state services (MFC), the vice president of bank Andrey Sharov said in September, 2017 at East economic forum. "The bank employee will perform functions of the employee of MFC. It means that you will be able to get the passport or the driver's license in bank, to register the apartment" — TASS quotes Sharov.

Sberbank opens in Russia a co-working for hi-tech startups

Sberbank is going to open co-workings in the empty premises through the whole country. There will be it in case of success of the similar project in Kazan. The bank is sure that the co-working will help the beginning entrepreneurs in the field of high technologies and to freelancers.

According to the vice chairman of the board of bank Stanislav Kuznetsov, even in Moscow and Moscow area where the level of the competition is extremely high, the request for new co-workings is all the same felt. Kuznetsov is sure that co-workings of Sberbank will be able to compete with other similar projects even in the capital. Besides, Interfax reports, it is sure that the need for places for joint work is not only in million-plus cities, but also in the cities, with the population from 500 thousand people.

Opening of the first co-working of Sberbank in the office building in Kazan took place in July, 2017. The premises — a part of future all-Russian network GrowUp. Becar Asset Management Group will manage spaces. Investments into the new project made 24 million rubles, 20 of which enclosed Sberbank. The bank is going to pay back means for 2-4 years.

The office building with a co-working is located on Ayvazovsky Street in the center of Kazan. The area of a co-working — 1067 square meters. The space is expected 238 jobs. For convenience of clients several negotiation, the kitchen, two coffee points — on one on the floor, openspace and office for team work are located there. Besides, in a co-working there are a conference room for 80 people and the restroom.

The co-working should help to appear and to begin to work to startups in Tatarstan. Many who can do without own office will not be obliged to take in tenancy now. In case of success of space, new co-workings will appear in 2-3 months[2].

Sberbank seized 1.2 billion rubles from Ulmart.

At the beginning of July, 2017 Sberbank factoring (subsidiary of Sberbank) won in Arbitration court of Moscow the claim to the NAO Ulmart (one of structures of Ulmart online store) about debt collection for the amount of 780 million rubles, the Interfax agency reports. This amount includes the main debt on 706 million rubles and a penalty fee. Besides, earlier Arbitration court of Moscow satisfied other claim Sberbank factoring to the NAO Ulmart — on 440 million rubles. Thus, all Sberbank seized 1.2 billion rubles from Ulmart at the moment[3] In more detail about it it is possible to read here.

Sberbank will reduce 200 offices for legal persons

Sberbank in 2017 will reduce 200 offices for legal entities. After that in the market there will be 600 departments. The senior vice president of Sberbank Anatoly Popov reported about it.

"The network of our departments is reformed: if we had 2.5 thousand offices for legal persons three years ago, now them remained 800, this year we will reduce 200 more, but at the same time we leave a possibility of physical service at offices for natural persons in case something happens to Internet bank" — Popov told.

Process of reduction is connected with transition to digital channels of service of legal persons. The number of the clients using digital channels in 2016 grew up from 1.169 to 1.412 million legal persons.


Growth of net profit by 2.4 times to 541.9 billion rubles

In 2016 Sberbank increased net profit according to IFRS by 2.4 times — to 541.9 billion rubles about 222.9 billion rubles the previous year.

The plan of creation of own virtual operator after unsuccessful attempt of purchase of Yota

On September 7, 2016 it became known of plans of Sberbank to organize own virtual mobile operator. Such decision is made after allegedly unsuccessful negotiations with MegaFon on purchase of Yota operator.

The organization tried to agree with Tele2 and MTS. Anatoly Smorgonsky, the ex-director of Yota confirmed information on the taking place events. Experts estimated "Yota (Skartel)" at 45 billion rub[4].

Sberbank is going to start own virtual cellular operator
Sberbank is going to start own virtual cellular operator
Telecom operators and data transmissions already work in the sector of some banking services, to some extent creating the competition to banks. Certainly, Sberbank could develop a number of services of mobile banking on the basis of assets of Yota, for example communication provision of services on credit, the SMS notification about transfer of funds for cards, money transfer from the account of the mobile phone to the card of bank. But there are doubts that will be able effectively to operate bank an asset, non-core for itself.

Natalya Milchakova, associate director of analysis department of Alpari company

The basic strategy of economy of the project for Sberbank was calculated by Anatoly Smorgonsky, with reference to an informed source reported the edition. Offer essence: the bank has clients who use cashback service (return of money at payment of purchase using the card). At the expense of means from cashback the user can use free mobile communication with a certain packet for a month, for example 500 MB of Internet traffic, 100 minutes of a conversation and 50 SMS. If the packet is spent within a month, then payment of services will become fixed: in every minute a certain payment will be levied. At the same time appearance of the free mobile operator will have to stimulate clients of Sberbank to switch to cards and the application of Internet banking.


Strategy till 2018

"Our vision of Sberbank in 2018 is created on the basis of five principal directions of development or strategic subjects. We believe that focused work on these directions will result us in success, will allow to achieve all financial and qualitative purposes which we set before ourselves until the end of 2018", - it was said on the website of Sberbank in 2015.

These five directions the following (the quote from the website of bank):

  • with the client — for the rest of life: we will build very deep trusted relationships with our clients, we will become useful, sometimes an imperceptible and integral part of their life. Our purpose — to exceed expectations of our clients;

  • command and culture: we aim at that our staff and corporate culture of Sberbank became one of the main sources of our competitive advantage;

  • technology break: we will complete technology upgrade of Bank and we will learn to integrate all most modern technologies and innovations into our business;

  • financial effectiveness: we will increase financial return of our business thanks to more effective management of expenses and a ratio of risk and profitability;

  • mature organization: we will create organizational and management skills, we will create the processes corresponding to Group scale Sberbank and to our level of ambitions.

The board is updated

In 2015 joined the board of bank:

2014: Decrease in net profit by 19% to 290 billion rub

The net profit of Group for 2014 was 290.3 billion rubles, having decreased by 19.8% in comparison with net profit for 2013 in the amount of 362.0 billion rubles. Decrease in net profit for 2014 in comparison with 2013 is explained, mainly, by significant increase in expenses from creation of a reserve under impairment of the loan portfolio. For December 31, 2014 the total assets of Group reached 25,200.8 billion rubles, having shown growth by 38.4% in comparison with December 31, 2013.

2012: Gref expects profit increase

As the head of bank German Gref noted on November 22, 2012, in 2012 the profit of Sberbank will be more in comparison with an indicator of 2011. How many specifically is going to receive bank at the end of 2012, Gref did not specify.

For the first ten months 2012 Sberbank increased net profit under RAS (the Russian standards of accounting records) to 297 billion rubles. The previous year in January-October the similar indicator was 276 billion rubles[5].

In 2013 Sberbank expects to get net profit in the amount of $13 billion. It in November, 2012 was said by German Gref. At a current rate of the Central Bank (November, 2012) the volume of profit of Sberbank in 2013 can be about 405 billion rubles.

2011: The volume of deposits of citizens grew by 18%

In 2011 Sberbank got record net profit in the history - according to the IFRS standards (International Financial Reporting Standards) it reached 315.9 billion rubles.

The volume of deposits of citizens at Sberbank which received record 321.9 billion rubles of net profit at the end of 2011 grew by 18.1%, thus that the annual forecast of Deposit Insurance Agency for this indicator in general on a system — 22%. Actually a half of annual increment to Sberbank was provided by December receipts of budgetary funds and bonus payments and in order that these means in January did not flow away on deposits of other banks, measures[6] are already taken[6].

According to preliminary data for 2011, divisions of Sberbank and Troika Dialog on transactions in financial markets jointly gained income in the amount of more than 22 billion rubles from which about 8 billion rubles were the share of trade operations with securities, about 6 billion rubles – of conversion transactions and transactions with precious metals. The preliminary income gained in 2011 in the direction investment banking services was about 3.4 billion rubles.

2010: Closing of Sberkarta company in connection with its unprofitability

The decision on liquidation of the Sberkarta company founded by bank together with other companies shareholders was accepted on August 20, 2010. This step was caused by unprofitability of this company. For more details see Sberkart.

In 2010 the bank signed a number of strategically important agreements, certification and assessment of the working personnel is carried out, additional measures for improvement of service quality of citizens are taken, socially important and economic projects are implemented.


2009 became a starting point in large-scale deployment and implementation of "The development strategy of Sberbank till 2014". Assistance to society in problem solving, caused by a world financial crisis, and stabilization of their financial position became a parallel, but important task for bank.

2008: Strategy till 2014 is accepted

On October 21, 2008 the supervisory board of Sberbank of Russia unanimously approved the Development strategy of Sberbank till 2014.

Main directions of conversions:

  • The maximum customer focus and transformation of Sberbank into the "service" company on service of individual and corporate clients
  • Technology updating of Bank and "industrialization" of systems and processes
  • Significant increase in operational efficiency of Bank on the basis of the most modern technologies, methods of management, optimization and rationalization of activities for all directions due to implementation of the Production System of Sberbank developed based on Lean technologies
  • Development of transactions in international markets, first of all in the CIS countries

2001: Start of cooperation with Olympic committee

In 2001 cooperation of Sberbank and Olympic committee began. The main bank of the country supported the Russian athletes at the games in Salt Lake City (2002), Athens (2004) and Turin (2006).

1995: The Non-state pension fund of Sberbank is created

In 1995 the Non-state pension fund of Sberbank was created.

1993: The first ATMs

In 1993 in the Moscow Sberbank branches the first ATMs began to function.

Soviet period

The beginning of the 20th century was marked for Russia by rough and large-scale shocks: World War I, revolution, Civil war. However any of these events could not slow down active and sustainable development of Sberbank.

In the 1930th years labor savings banks developed the draft of the uniform savings book
In the 1930th years labor savings banks developed the draft of the uniform savings book

In times, crisis for the country, Sberbank could save investments of the investors, having announced their inviolable. But it was not and without negative effects – the trade secret, actually, was abolished: the government issued the decree obliging savings banks to provide to state bodies information on the state of the account of any investor.

The new economic policy of Russia caused also serious changes in bank structure: savings banks began to make remittances, to issue own loan certificates, performed operations with percentage and securities.

The most important type of activity of Sberbank in 1941–1945 and the next years is cooperation with the state in the field of the nuclear and nuclear industry. The help of Sberbank in attraction of financial resources and financing of developments allowed to become Russia the leader in the field of production and nuclear fuel reprocessing.

Despite complexity of the first post-war years, beginning from 50th years, Sberbank continued the sustainable development. In 30 years the quantity of savings banks doubled (from 40 thousand to 79 thousand), the number of clients of bank increased by 12 times, and the amount of their deposits showed record subjects of growth, having increased by 100 times.

Sberbank actively participated in recovery of the country infrastructure destroyed by war – roads and routes of federal importance were newly constructed and repaired. Today Sberbank, saving traditions, continues to develop programs of road construction in Russia.

In 1987 within Perestroika reforms savings banks were reorganized into Savings Bank of the USSR – so the financial institution familiar to us received the world-famous name. In 1989 the first ATM of Sberbank began to work and the same year the bank became the member of the World institute of savings banks.

1991 was marked by the collapse of the USSR, but Sberbank saved the functions and remained the only bank on all former post-allied space which continued to work.

In 1991 general shareholder meeting founded Joint-stock Commercial Savings Bank of the Russian Federation.

1895: The number of cash desks reached 3,875

Blossoming of banking in Russia fell on 1865 - 1895. For this period the quantity of savings banks in all territory of the country increased from 47 to 3875, and the number of the issued savings books exceeded 2 million pieces.

Passbook of the 19th century

On June 1, 1895 became rotary date in the history of the Russian banking sector. This day the new Charter of savings banks which guaranteed everyone preserving of its trade secret was adopted. Besides there was also a variety in types of deposits: it was possible to open the savings account on the child or on burial.

1841: Nicholas I establishes savings banks

In 1841 the emperor of Russia Nicholas I the decree enjoined to found savings banks at the Moscow and St. Petersburg safe kazna – this year and marked emergence of Sberbank.

The outdoor adviser Nikolay Antonovich Kristofari became the very first client of the first bank of the country, it deposited the amount impressive for those times of 10 rubles to the account and became the owner of the savings book behind number 1.