Sberbank (digital business)

2024: Sberbank opens largest technohab for IT specialists in St Petersburg

Sberbank on August 29, 2024 informed TAdviser about the opening of a technological hub in St. Petersburg, which, according to the bank's idea, will unite the IT teams of Sberbank and become a center of attraction for the expert IT community of the Northern capital and the entire North-West of Russia. The technohab is located in the Vasileostrovsky district - in the reconstructed complex of buildings of the plant named after M.I. Kalinin (Uralskaya St., 1).

As specified in the bank, the IT teams of Sberbank, which previously worked at various sites in St. Petersburg, have already moved to the opened hub. These are product teams consisting of developers, testers, analysts, support specialists, DevOps engineers, data scientists and product owners of key business areas of the bank: retail, corporate investment, technology, wealth and others.

We are opening the largest technological hub in the North-West of Russia. For us, this is an opportunity to create new jobs and a center of attraction for talented IT specialists in the region, where they will develop technology services and products that will be used by millions of Russians, "commented German Gref, President, Chairman of the Board of Sberbank.

The first jobs were already occupied by employees in April 2024. It is planned that by the end of the year more than 1.8 thousand will move to the technohab. IT specialists of Sberbank. The second stage will be commissioned in 2025 and will add another 800 jobs. In parallel with the settlement of new buildings, the infrastructure of the territory will develop: a fitness center, various formats of catering, commercial infrastructure and public spaces and services will appear.

The Sberbank Technohab on Vasilyevsky Island is a place where the best minds of the IT sphere will unite, new ideas will be born, advanced technologies will be developed. I am sure that it will become a real center of attraction for the IT community of St. Petersburg and the North-West. It will qualitatively increase the attractiveness of our city for talented specialists and will become a catalyst for the development of the digital economy in the region and the country, - said for his part Alexander Beglov, Governor of St. Petersburg.

Sberbank's technology hub implements the principles and solutions of world Agile practices, when each employee can choose the most comfortable workplace for himself based on his tasks. According to representatives of the bank, this is possible thanks to the competent division of the space into zones for joint and individual work, communication and recreation.

There is also a space for holding mass events, which is equipped with a digital multimedia complex designed for the entire range of possible events. There will be hackathons, exhibitions and meetings.

In addition, on the territory of the hub there is a special adaptation center for new IT employees (IT-Bootcamp), where they can sign the necessary documents, take work equipment and a pass, undergo the necessary briefings on their first day in Sberbank.

Thanks to training modules and mentors, new employees delve into processes in a maximum of two weeks, master the tools and become full-fledged team members, - noted in Sberbank.

It is noteworthy that the territory and public services of the technohab are freely available to residents and guests of St. Petersburg. For example, in June 2024, the first company store in Russia and an immersive showroom of Sberbank's partner, SberDevices, began operating. In this new type of space, everyone can try and purchase Sber smart devices, as well as experience interacting with a smart home through futuristic techno performance.

According to the bank, soon recreation and sports areas will appear on the territory of the hub, an equipped exit to the Neva, and a restaurant courtyard will open in the restored building of the 19th century smelting shop.

During the reconstruction of ancient buildings, it was possible not only to preserve their historical part and introduce modern motives using high-tech materials, textures and colors, but also to bring the internal infrastructure of buildings to modern standards. The technohab uses Sberbank's own developments in the field of IoT and AI in order to predictively manage all engineering systems that increase the reliability, efficiency of facilities and comfort of employees, Sberbank emphasized.

Early Sberbank has already opened two technohabs - in Yekaterinburg and Kazan, in which more than 2 thousand people work. These are developers, testers, analysts, specialists in the maintenance of information systems, experts in cybersecurity, machine learning and artificial intelligence. According to the bank, by August 2024, the IT team in Kazan had grown 3 times since its opening. More than 3.5 thousand IT specialists attended professional events of Sberbank, which were held in hubs.

Sberbank also has a wide network of IT offices, the main of which are located in the cities of Nizhny Novgorod, Novosibirsk, Samara, Rostov-on-Don, Vladivostok, Khabarovsk. According to the bank's estimates, they employ several thousand IT specialists of innovative solutions and services for corporate and retail clients of the Sberbank group.

2023

Sber proposed to the Alliance in the field of AI the concept of an independent MERA benchmark for evaluating fundamental models

The concept of the new benchmark was announced by Sberbank on November 22, 2023. It will help objectively evaluate large language models, which is especially true with the increase in their number and capabilities. Read more here.

Belgorod plans to train IT specialists at School 21

Sberbank and the Government of the Belgorod Region agreed to create a free programming school in the region. This was announced on November 17, 2023 by Sberbank. Read more here.

11 teams have been created in Sberbank providing DTaaS services - digital transformation as a service

At the conference TAdviser "IT Priorities 2023" spoke, Dmitry Trofimov Managing Director of the Corporate Business Development Department. He Sberbank spoke about the achievements and prospects of such a project as - bank DTaaS digital transformation as a service. More. here

2022

The total volume of projects for the digital transformation of Sberbank clients exceeded 4.6 billion rubles

Sberbank analyzed the interest in digital business transformation among its clients and found out that the total volume of projects in this area in the medium and large business segment in 2022 exceeded 4.6 billion rubles. Representatives of Sberbank reported this to TAdviser on March 6, 2023. Read more here.

Sberbank left SberCloud, CST and a number of other digital assets

As TAdviser found out, Sberbank's subsidiary Digital Assets LLC, which was the founder and co-founder of a number of companies related to the bank's digital business, withdrew from these assets in May. In particular, from the companies "Center for Speech Technologies" (CST), "Cloud Technologies" (operates on the market under the SberCloud brand), "Okko," "Evotor." In addition, Digital Assets LLC left the Sound company.

According to the database of legal entities Kontur.Fokus, "instead of Digital Assets LLC, the founder and co-founder of these companies was the New Opportunities JSC, created in May 2022. At the time of registration, its owner indicated an individual - Tatyana Portnykh.

Sberbank did not explain to TAdviser who it was, and why the assets were transferred to this company, as well as the motives for the bank's withdrawal from them.

As part of updating the strategy, Sberbank is reviewing its share participation in a number of assets. At the moment, Sberbank is not a shareholder of Okko, Sound, SberCloud, Evotor and the CST. The transaction was made on market terms. Sberbank will maintain partnerships with these companies and continue to implement joint marketing and operational activities, a representative of Sberbank told TAdviser.

The day after the publication of the news in the Unified State Register of Legal Entities, information about the founders of the above companies, in particular, Okko, Sound, SberCloud, and the MDGs, ceased to be displayed. Extracts from the Unified State Register of Legal Entities indicate that access to this information is limited on the basis of No. 129-FZ "On state registration of legal entities and individual entrepreneurs."

A similar situation occurred with information about the founders of Sberbank and Sberbank-Service. Sberbank clarified that the bank did not leave Sberbank.

Sberbank became one of the Russian banks that fell under Western sanctions against the background of Russia's special operation in Ukraine. In this regard, its assets may also face difficulties, including those related to access to various technologies. So, for example, in April, Huawei and Apple removed the applications of banks that fell under sanctions. Restrictions may also apply to the supply of equipment. And SberCloud, which previously agreed on a strategic partnership with Huawei, is in critical need of them.

In turn, the Center for Speech Technologies works not only in Russia, but also in foreign markets, and communication with a sub-sanction organization would hardly play into his hands. In addition, there are risks of falling under secondary sanctions for counterparties working with companies with a sanctioned owner/co-owner.

Digital ecosystem for February 2022

As of February 2022, dozens of companies are included in the digital ecosystem of Sberbank.

Revenue of non-financial services for 9 months of 2021 - 121.7 billion rubles.

The number of B2C subscribers to digital storefronts is 102.8 million users.

The number of B2B clients of digital storefronts is 3 million companies.

The annual growth rate (CAGR) of non-financial services revenue until 2023 is more than 100%.

SberThank you are used by more than 53.5 million people, Sber ID - 26.8 million users, virtual assistant Salyut - more than 5 million subscribers, SberPrime services - 3.3 million customers.

E-commerce

The Block includes e-commerce services and logistics services. The total value of goods (GMV) for 9 months of 2021 is 62.9 billion rubles, the number of orders for the same period is 78.6 million.

SberLogistics

SberLogistics is a logistics operator. A federal-scale logistics company providing logistics services from the first to the last mile to corporate and private customers. The company has its own warehouse infrastructure with a total area of ​ ​ more than 100 thousand square meters. m, a network of courier centers throughout the Russian Federation, as well as an infrastructure for issuing and receiving shipments, including checkpoints and points for issuing orders in Sberbank branches. The complex of services includes courier delivery, delivery to checkpoints and points of issue of orders, warehouse storage and sorting, fulfillment and cargo transportation. It was founded in 2019. 100% belongs to the Sbrer group.

SberAvto

SberAvto is a service for online car buying, car loan and insurance. A personal assistant will select a new used car or car, order an independent inspection and draw up an agreement, select insurance and help apply for a loan online. The car will be delivered to the buyer throughout Russia - directly to the entrance or the nearest issuing center. And all this - without leaving home, using several messages in the chat of the application or on the site. For car dealers, SberAvto is an effective sales channel for its cars, which will save time on paperwork and speed up the maintenance of the transaction. It was founded in 2019. 100% belongs to the Sbrer group.

SberMegaMarket

SberMegaMarket marketplace [1] was founded in 2016 by M.Video. Until 2021, it worked under the brand Goods.ru. The share of the Sberbank group is 80%.

SberMarket

SberMarket is an online service for the delivery of products and goods from store shelves, one of the leaders of the Russian market eGrocery. The company cooperates with more than 40 Russian retailers, including the federal retail chains METRO, AUCHAN, Lenta, Yves Rocher and others. SberMarket is a service with the widest geographical coverage, the company operates 144 cities and 83 constituent entities of the country from Kaliningrad to Vladivostok. Founded in 2013, Sberbank entered the ecosystem in 2019.

Sber Eapteka

Sberbank Eapteka is a pharmacy of the future, which is a high-tech service with a system of personal recommendations that helps to monitor your health. The range of Sberbank Eapteka includes the latest generation of medicines, complex medicines and products for a healthy lifestyle. Founded in 2000, Sberbank entered the ecosystem in 2020. The service has 23 million active subscribers. The network in more than 70 regions of the Russian Federation unites more than 2,500 pickup points.

Scooter

Scooter is a grocery delivery service. Fast food delivery service in Moscow, St. Petersburg, Kazan and Nizhny Novgorod. Speed ​ ​ is provided by dark stores - district warehouses, which allow you to collect and pack an order in 2-2.5 minutes. More than 335 warehouses have already been opened in four cities. Scooter also produces more than 250 products under its own brand. About 7 thousand people work in Samokat. Founded in 2018, it entered the Sberbank ecosystem in 2020. The share of the Sberbank group is 39%.

Foodtech and Mobility

Combines ready-made food delivery services, taxis and car sharing. Revenue for 9 months of 2021 - 12 billion rubles. During this period, more than 151.1 million trips were made and 65.5 million orders were completed. The number of restaurants in the Delivery Club service reached 47.5 thousand.

2GIS

2GIS is a leading Russian company in the development of digital maps and city directories. The mapping service covers more than 600 cities in 11 countries of the world, it is trusted by more than 50 million users per month. The mobile application 2GIS works offline and allows you to find organizations and places, build routes by transport or on foot, find out prices for goods and services, choose a place to live taking into account the infrastructure of locations. Geoservice capabilities for corporate clients help attract interested buyers, receive analytics and geodata, and integrate high-quality mapping and 2GIS information into their projects using the API&SDK. The company was founded in 1999, entered the Sberbank ecosystem in 2020.

Delivery Club

Delivery Club is a food delivery service. A major Russian food delivery service, the market leader in terms of the number of active users. More than 23 thousand restaurants are connected to the Delivery Club platform, as well as more than 1,000 grocery stores and dark stores. The service is present in more than 150 cities of Russia, its own courier delivery works in more than 70 cities. It was founded in 2009. Sberbank's share is 46%.

FoodPlex

FoodPlex is a single digital platform for the restaurant market. It includes the Plazius digital marketing and payment system, the mobile application for guests of SberFood restaurants, the Afisha-Restaurants media service, the Smart Reserve table reservation system and the manufacturer of cash systems and restaurant management r_keeper, UCS. The company was founded in 2018. Shareholders: Sberbank, Rambler Group and a number of private investors.

Citymobil

Citymobil is a taxi aggregator that entered the Moscow market in 2007. The service offers fast service and round-the-clock support, delivery service, the ability to schedule a trip and call several cars at the same time. The company was founded in 2007, entered the Sberbank ecosystem in 2019. The share of the Sberbank group is 45%.

Kitchen in the district

The kitchen is a service for cooking and delivering freshly prepared food from 15 to 30 minutes. All dishes are prepared right in the kitchens, and delivery is carried out only in the area of ​ ​ operation of each of them by its own courier service. More than 25,000 orders a day are delivered. New kitchens open every month. Now there are about 50 points in Moscow. All orders are made through your own mobile application. The service was launched in 2017, and entered the Sberbank ecosystem in 2020. Sberbank's share is 39%.

Sitidrive

Citidrive is a car sharing service in Moscow, St. Petersburg and Sochi. Previously, services were provided under the YouDrive brand. The year 2015 was founded, entered the Sberbank ecosystem in 2019. Sberbank share 45.01%

Entertainments

Video and audio streaming services and other media services. Revenue for the 9 months of 2021 9 billion rubles. The number of subscribers to SberPrime I-III quarters 2021 - 3.3 million, Okko - 4.5 million, SberSound - 3.7 million.

Okko

Multimedia service. Okko is one of the largest Russian VoD services (video on demand - video on demand). Presented on all key platforms: Smart TV, mobile (iOS and Android), Apple TV, PlayStation 4, web (PC). Founded in 2014, it entered the SBer ecosystem in 2019. 100% belongs to the Sberbank group.

SberSound

SberSound is a multi-platform streaming service that helps users find music for every moment of their lives and discover new things using podcasts. The service is available in the application, on the website and in all devices of the Sberbank ecosystem. Founded in 2010, it entered the Sberbank ecosystem in 2020.

Rambler&Co

Rambler & Co is one of the largest media holdings in Russia in terms of monthly audience - over 168 million users (according to Yandex.Metrica). It includes the portal "Rambler," "Лента.ру," "Gazeta.Ru," "Championship," WMJ.ru, "Secret of the Company," "Motor," LiveJournal and a number of other media assets. Thanks to the various thematic affiliation of the sites, the holding covers almost the entire range of interests and needs of various audiences. Founded in 2013, it entered the Sberbank ecosystem in 2019. 100% belongs to the Sberbank group.

Soyuzmultfilm

Soyuzmultfilm is a Soviet and Russian film studio for animated films, a joint venture between Sber and FSUE Soyuzmultfilm. Founded in 1936, it entered the Sberbank ecosystem in 2020. 80% belongs to the Sberbank group.

Health

Digital services in health care, such as telemedicine, online appointment with a doctor, calling a doctor at home, remote monitoring of patients, electronic medical record and others. Revenue for 9 months of 2021 2.8 billion rubles. The number of doctor's appointments for 9 months of 2021 is 759.2 thousand, the number of telemedicine consultations is 347.2 thousand.

SberMedAI

SberMedAI is an integrator of advanced solutions using artificial intelligence (AI) technologies for medicine. The main product is MDDC (Medical Digital Diagnostic Center), which combines more than 50 products and solutions based on AI, as well as the work of doctors in various areas of medicine to make a final diagnosis. The development is used in health facilities across the country and helps doctors make decisions based on initial admission data, instrumental and laboratory diagnostics. It was founded in 2020, in the Sberbank ecosystem from 2020. The share of the Sberbank group is 70%.

SberHealth

SberHealth is an online medical service. The platform provides various medical services: online consultations, appointment, diagnosis or comprehensive examination, call a doctor at home, service under VHI programs, veterinary care, as well as the "Health Diary" - remote monitoring of patients with chronic diseases. The service provides round-the-clock online consultations with a therapist or pediatrician on duty and an appointment with doctors of more than 40 specialties. The service was launched in 2012, in the Sberbank ecosystem since 2017. Sberbank owns 83%.

B2B-services

Non-financial services for legal entities, which include: cloud services, cybersecurity, other services. Revenue for 9 months of 2021 35.4 billion rubles.

SberCloud

SberCloud provides cloud services to Sberbank, ecosystem companies and external clients - business, educational, scientific and government organizations. Infrastructure, information technology platforms SberCloud is a unifying element of the digital ecosystem of the Sberbank Group. The company offers a wide range of modern IaaS PaaS and solutions, as well as AI Cloud cloud services that provide access to the computing resources of the most powerful Russian supercomputer Christofari. The company was founded in 2019, in the Sberbank ecosystem since 2019. 100% belongs to the Sberbank group.

SberService

Service IT company "SberService." SberService is one of the largest backbone service IT companies in Russia. Provides maintenance services for a wide range of equipment and IT infrastructure. SberService is an authorized partner of more than 50 global IT equipment vendors. SberService provides a wide range of services in the field of professional services and IT outsourcing:

• comprehensive maintenance of workplaces, office equipment, queue management systems, security systems, banking equipment;
• support of telecommunication and server equipment;
• outsourcing IT infrastructure management.

Created in 2013, in the Sberbank ecosystem since 2013.

SberA

SberA (formerly Sberbank-AST) is an electronic platform for placing orders and bidding for the purchase of goods, works and services for commercial companies, state and municipal structures. SberA also offers advanced training programs and short-term practical seminars for organizers and bidders. Areas of work: procurement of 44-FZ and 223-FZ, property tenders, commercial tenders, privatization, sale of bankrupt property, selection of contractors for capital repairs. It was founded in 2009, with the Sberbank ecosystem since 2009.

SberSolutions

Sberbank Solutions - an outsourcer of business processes. SberSolutions - formerly Intercomp. The company provides accounting, human resources and change services, legal and tax services, operational efficiency consulting, back-office outsourcing, technology solutions and business continuity services. The company was founded in 1994, in the Sberbank ecosystem since 2018. 100% belongs to the Sberbank group.

SberKorus

SberKorus is a digital platform for companies and individuals. Operator of electronic document management since 2004. Developer and provider of cloud services to automate supply chain management and settlement processes. Supplier No. 1 for Sberbank for software and organizer of digital transformation processes for the largest companies from 58 regions of Russia. The company's products and services are available to 2.7 million legal entities and individual entrepreneurs. The number of monthly active users of products is about 450 thousand people. Among the clients of the company Kh5 Retail Group, Magnit and about 190 other retail chains and their suppliers , 1C, Leroy Merlin , Gazprom, PepsiCo, Danone, etc. The company was founded in 2000, in the Sberbank ecosystem since 2012.

BI.ZONE

The company develops products and automated solutions in the field, cyber security investigates cybercrimes and analyzes the security of IT infrastructures. BI.ZONE customers [2] are Russian and foreign corporations:, banks Internet providers, mobile operators. The company was founded in 2016, in the Sberbank ecosystem since 2016. 100% belongs to the Sberbank group.

SberAnalytics

The SberAnalytics platform (formerly TOT) collects and analyzes information on the state of industries and the market in Russian cities. The company provides information and analytical services based on big data from bank sources and partners using advanced technologies of machine learning, data processing and visualization. Services include:

• industry solutions and services, recommendation models, analytical reports,
• monitoring by different industries,
• predictive analytics and solving problems of any complexity based on mathematical modeling methods.

Solutions on the SberAnalytics platform help businesses and regions find growth zones and simplify management at any level: country, region, city, district, shopping center and even a specific outlet. The company was founded in 2018, in the Sberbank ecosystem since 2018.

Evotor

Evotor is a technology developer for small and medium-sized businesses. The company's solutions help to maintain accounting and commodity records, label goods, attract and retain customers, remotely monitor the work of personnel, work with Internet commerce and much more. Every fourth entrepreneur in Russia uses the Evotor smart terminal. There are more than 500 business management services in the Evotor.Market app store. The Evotor ecosystem also includes the OFD Platform fiscal data operator. The company was founded in 2016, in the Sberbank ecosystem since 2016. The Sberbank group owns 48%.

Cognitive Pilot

Developer of AI technologies for agricultural and rail equipment. Cognitive Pilot is one of the world's leading developers of artificial intelligence systems for vehicles. The company creates autonomous control systems for agricultural machinery (combines, sprayers, tractors), railway transport (locomotives, trains, trams) and road transport. Cognitive Pilot also develops and manufactures civilian radars as next-generation sensors for transport automation and industrial applications. The company entered the Sberbank ecosystem in 2019.

InSales

InSales is an innovative e-commerce software company. It provides services to companies and individuals from Russia, Ukraine, Belarus and the Baltic countries. Focuses on working with clients from the medium and small business segments. Based on its online shopping platform, InSales offers a wide range of services: online store design, online store promotion, order delivery, customer relationship management (CRM). 80% belongs to the Sberbank group.

Business environment

The business environment is a subsidiary of Sberbank, a service provider for entrepreneurs. Company projects:

• Knowledge and Services Platform for Business dasreda.ru - a library of current articles, courses, videos, trajectories and services for the successful start and development of your business.
• The Premium business environment is the first educational subscription for entrepreneurs. For a small monthly fee, the user constantly gets new working ways to start and develop his business without mistakes, increase profits and pump himself.
• 120 seconds - a series of online courses in the format of micro-training created by entrepreneurs for entrepreneurs.
• Regional Business School - training events for entrepreneurs in the regions.
• The School of Public Administration is a training program for government officials responsible for supporting entrepreneurship.
• Business events for entrepreneurs - the Sberbank Business LIVE forum and the online workshop "They Talk." As part of the events, business gurus tell how to build a profitable business, and analyze the cases of entrepreneurs from different cities of Russia.
• The service of business registration and remote account opening is the first service in Russia that allows you to register an individual entrepreneur and an LLC with one founder online and open an account with Sberbank completely online.
• New Single Window is a multifunctional service for the efficient work of partners, integrated with Sberbank's systems. With its help, you can submit applications for Bank and Ecosystem products, track the status of transactions, receive information about the amount of remuneration for attracted customers, etc.
• Partner program - a joint project of Sberbank and the Business Environment. Aimed at attracting new customers to the bank and selling products of its ecosystem.
• dSign is a service for issuing an enhanced qualified electronic signature. The client can independently release KEP using a smartphone.
• A platform solution (PaaS) for the Business Class program from Google and Sberbank - transferring the back-end functionality of the Business Class program to the infrastructure developed by the Business Environment to strengthen the project functionality and improve the customer experience.

The company was founded in 2012, in the Sberbank ecosystem since 2012. 100% belongs to the Sberbank group.

Joint Credit Bureau

The Joint Credit Bureau provides risk assessment, loan portfolio management and fraud prevention services. Among the clients of OKB are more than 600 banks, MFIs, insurance companies and mobile operators. The company was founded in 2004, in the Sberbank ecosystem since 2019. The Sberbank group owns 32%.

Digital non-core assets

CST

The Speech Technology Cent er Group is a developer of intelligent solutions based on speech technologies, voice biometrics and facial recognition. Creates innovative systems for managing omnichannel customer experience in contact centers and retail points of sale and service, digitalizing corporate business processes, creating a comfortable and safe urban environment. The company's solutions are used in more than 70 countries. The offices of the CST group are located in St. Petersburg and Moscow. The company was founded in 1990, and entered the Sberbank ecosystem in 2019.

SberDevices

SberDevices is a developer of "smart" devices. B2B- and B2C devices for the ecosystem using speech technologies and a virtual assistant on board. The company was founded in 2019, and entered the Sberbank ecosystem in 2019. 100% belongs to Sberbank.

SberMobile

Sberbank Telecom is a telecom operator from Sberbank providing high-tech digital solutions in the B2B, B2C and B2G markets. The company has three main lines of business:

• Sberbank Telecom is one of the largest virtual mobile operators (MVNO) in Russia;
• platform for push- and SMS-informing of clients;
• innovative platforms, IoT M2M and Autotelematics. Platforms allow you to organize such projects as "Smart City," Smart home"," remote control and transport management, digital twin of the city, digital HOUSING AND PUBLIC UTILITIES , and so on.

The company was founded in 2016, and entered the Sberbank ecosystem in 2016. 100% belongs to Sberbank.

VisionLabs

VisionLabs - AI developer in the field of computer vision and, machine learning specializes in creating solutions for face recognition and objects. The company implements large national and international contracts in the region, biometrics develops its own line of biometric devices. The Visionlabs algorithm is among the top three in the world testing of facial recognition algorithms by the National Institute of Standards and Technology (USA NIST) in 2019 and 2020. The company was founded in 2012, and entered the Sberbank ecosystem in 2017. Sberbank's share is 25%.

Dialog

Developer of the corporate messenger Dialog - a multi-platform product for internal communications and effective collaboration. By integrating Dialog with other information systems, large organizations with branches in different parts of the country can create a unified and secure environment for convenient interaction between teams and departments. In 2019, Dialogue, together with Sberbank, launched the largest project in Russia to introduce a corporate messenger - SberChat. Among the clients of Dialogue are enterprises from the oil and gas and banking industry, the public sector and the defense industry. The company was founded in 2016, and entered the Sberbank ecosystem in 2018.

Domklik

DomClick is a service for finding, selling, buying and renting residential and commercial real estate, as well as registering and maintaining a Sberbank mortgage. The service allows you to obtain online approval of mortgages and real estate and conduct real estate purchase and sale transactions for one visit to the bank's office. The Domklik platform is one of the top 3 real estate sites in Russia, and in terms of the number of ads for the sale of apartments in the secondary market it ranks first in Russia. The company was founded in 2016, and entered the Sberbank ecosystem in 2016. 100% belongs to Sberbank.

Работа.ру

Работа.ру is an online recruitment service. One of the largest services for job search and personnel in Russia. The service provides personalized job recommendations and helps more than 8 million users find work per month. The service works with more than half a million employers. And also plans to actively scale to corporate clients of Sberbank, be the main source of candidates for the Sberbank ecosystem and an employer brand management service for companies. The company was founded in 1999, and entered the Sberbank ecosystem in 2019. 100% belongs to Sberbank.

SberMarketing

SberMarketing is a full-cycle advertising agency, creative production (production of advertising and information materials), digital marketing automation products, as well as a media seller (sale of advertising inventory of Sberbank and the ecosystem). Among the clients of the communication group are Sber, DomClick, SberMarket, Okko, Работа.ру, Spar, the Naked Hearts Foundation, Knight Frank and other companies. The company was founded in 2019, and entered the Sberbank ecosystem in 2019. 100% belongs to Sberbank.

Segmento

Segmento is an automated online marketing system. The company can implement the full range of advertising and analytical marketing tasks. All services are based on cross-platform interaction with the audience with an effective frequency of contacts: advertising messages will appear in the user's usual ecosystem - where it is convenient for him. The company pays great attention to the relevance of advertising messages of its corporate customers to the interests of the audience. The company was founded in 2011, and entered the Sberbank ecosystem in 2015. Sberbank's share is 55%.

SberAutoTech

Sber Automotive Technologies was created in 2020 to develop Sberbank's automotive services based on the principles of mobility, sustainability and safety. Created on the basis of the SberDigitalAuto department.

SberServices

SberServices is a platform for the safe ordering of services. The service helps to save time and solve everyday or urgent matters with the help of professionals. The app is easy to find a master for an hour, hire a tutor or nanny, sign up for a manicure or consult a lawyer. The company was founded in 2020, and entered the Sberbank ecosystem in 2020. 100% belongs to Sberbank.

Jivo

Jivo (formerly JivoSite) is an omnichannel business messenger that combines a set of solutions for communication with customers in one application. Allows you to contact customers through chat on the site, social networks, instant messengers, applications and email; connect telephony and callbacks; has built-in CRM and enterprise chat. The company was founded in 2012, and entered the Sberbank ecosystem in 2021. 100% belongs to Sberbank.

Agreement with Digital Design as the beginning of a large-scale partner program

On February 18, 2022, Sberbank informed TAdviser about the conclusion of an agreement with Digital Design on a partnership in the implementation of projects. As specified in Sberbank, the signing of the agreement was the first step towards the implementation of a large-scale partnership program of the bank with integrators and developers of IT solutions to assist in the digital transformation of the business.

In particular, this program is aimed at forming a network of partners-developers of digital transformation solutions and integrators of Sberbank products and services throughout Russia.

"We have taken the first step to launch a massive partner program with IT developers. Thanks to this program, our corporate clients will be able to quickly find partners who can qualitatively implement digital transformation projects with the integration of Sberbank services and products, "commented Anatoly Popov, Deputy Chairman of the Management Board of Sberbank.

The first such partner, according to him, was the Digital Design company, which is one of the largest software developers in Russia. The parties are planning joint development of software for corporate clients with the ability to integrate digital services of the bank and companies of its ecosystem into it. As representatives of Sberbank specified to TAdviser, we are talking, in particular, about services such as B2B-, B2C-, C2B payments, credit products, etc. - the need to embed which Sberbank clients have.

In addition, the agreement provides for information and technological interaction, the exchange of experience and information on potential and ongoing projects, as well as cooperation with companies in the Sberbank ecosystem.

According to Anatoly Popov, Deputy Chairman of the Management Board of Sberbank, the joint work of Sberbank and Digital Design will help entrepreneurs optimize their activities using IT solutions, in which simple Sberbank tools will be organically integrated.

"This mutually beneficial cooperation will be one of the drivers of business digitalization and, ultimately, an increase in labor productivity and competitiveness of the economy throughout the country," the representative of Sberbank is convinced.

For his part, Dmitry Livshits, CEO of Digital Design, noted that Sberbank has been a client of the company for more than 10 years, and, given the pace of digital transformation of the Sberbank ecosystem, partners are reaching the next level of cooperation. Namely, the joint formation of solutions and the implementation of projects for common customers.

"In this context, a large role is assigned to the formation of a digital workspace in organizations to ensure end-to-end control of business processes and increase the speed of enterprises. Our company has extensive experience in implementing this tool. We expect that partnership with Sberbank will allow us to strengthen each other's proposals in the corporate market in terms of digitalization of business processes and, as a result, increase the efficiency of our common clients, "said Dmitry Livshits.

2021: Entering the Computer Games Market

On April 28, 2021, it became known that Sberbank was entering the computer games market. The corresponding direction - "Sberbank of the Game" - will be developed by the company "Sberbank." Read more here.

2020

Sberbank digital ecosystem for 2020

By 2022, the picture has partially lost its relevance.

Sberbank has turned into a provider of digital services for the public sector: more than a thousand new transactions have been concluded

Sberbank is actively developing cooperation with the state, which has gone beyond lending and state support. The capacity of Sberbank's technology platform makes it possible to use it in the digital transformation of the federal and regional public sector, according to the bank's annual report, published in March 2021.

According to the annual report, in 2020 Sberbank entered into more than a thousand transactions with state institutions and departments for ecosystem products, including biometric face recognition, photo/video recording, voice operators, voice filling of medical and other documents, logging, financial outsourcing, cashless payment at school and transport, counterparty verification services, "smart" stops, complex telemedicine solution.

Among the most significant projects for 2020, Sberbank allocates a pilot project "Gostech" for the implementation of digital services for federal departments on the bank's platform. In December 2020, Sberbank with the only application won the tender of the Ministry of Digital Development for the supply ON and services for an experiment on the creation, translation and development of state information systems and their components on the Gostech platform.

Sberbank also talks about 10 road maps for the implementation of government services on its digital platform. Tatarstan became the supporting region for the creation of socially significant services for the population on the platform, where 6 digital services were implemented over the year to support personal subsidiary farms. In total, more than 80 services for supporting citizens and businesses are planned (regional superservice "My Subsidies").

In the annual report, the bank notes that Russian companies and state organizations began to switch from their own data centers to cloud solutions, as Sberbank has already done by building its own private cloud based on its subsidiary SberCloud.

On the horizon of the 2023 strategy, Sberbank is pursuing an ambitious goal - to offer technological solutions at the federal and regional levels, in particular, with a focus on digital industry solutions for transport, social sphere, safety, energy efficiency and other areas, - said in the section of Sberbank's annual report on SberCloud.

In 2020, a service was created on the basis of the cloud platform and the Sberbank supercomputer лесвосток.рф. It is aimed at creating conditions for the sustainable development of forestry and the timber processing industry, the formation of open public data and procedures for the provision of forest plots for use, the introduction of an exchange trading mechanism and the preparation of infrastructure for the formation of a public market for transactions with wood.

The annual report also lists biometric the services of Sberbank ecosystem companies as important digital projects for the public sector in 2020, including the introduction of biometric a remote access control system (MCDS) from VisionLabs a number of Russian universities and schools, and the use of voice services Voice2Med in more than 100 medical institutions to fill in medical documents by voice.

In addition, Sberbank implemented a pilot for the implementation of Nestor. Justice based on CST technologies to prepare minutes of meetings of world courts.

The bank also organized courses for project work in the field of IT and for the development of digital skills for federal and regional authorities from the Corporate University of Sberbank.

Sberbank's cybersecurity business grew 3 times 2020 year

The revenue of Bi.Zone, Sberbank's cybersecurity business, in 2020 amounted to 10 billion rubles. The bank announced this in its annual report, published on March 24, 2021. Sberbank clarified TAdviser that the revenue indicator is given with VAT. Excluding VAT, the turnover amounted to 9.4 billion rubles. Read more here.

SberCloud revenue grows 22 times

The revenue of Cloud Technologies (SberCloud brand), Sberbank's cloud business, in 2020 amounted to 3.3 billion rubles. The bank announced this in its annual report, published on March 24, 2021. Sberbank clarified to TAdviser that over the year the turnover of this area has grown 22 times. Read more here.

VisionLabs revenue grew 2 times 2020 year

The revenue of AI developer VisionLabs in 2020 increased 2 times, according to the annual report of Sberbank, the ecosystem of which includes this company. The revenue amount is not shown in the report. But, according to the database of legal entities Kontur.Focus, "in 2019 the turnover of VisionLabs was about 391.2 million rubles. Thus, according to TAdviser estimates, at the end of 2020, it amounted to approximately 782.4 million rubles. Read more here.

Revenue growth from non-financial business by 2.7 times, to 71.4 billion rubles

Revenue from Sberbank's non-financial business in 2020 increased 2.7 times compared to the previous year - to 71.4 billion from 26.4 billion rubles. This is stated in the statements of the credit institution compiled in accordance with IFRS.

The document explains that revenue from the Non-Financial Business segment includes sales of goods (works, services), commission income, as well as the group's share in sales of goods (works, services) of associates and joint ventures (excluding data on Yandex.Market"").

The main areas of Sberbank's non-financial business are as follows:

• E-commerce (this includes e-commerce services and logistics services. The main companies of this sub-segment are Sberbank, SberMarket, Samokat). Sberbank's revenue in this direction in 2020 reached 12.9 billion rubles against 0.3 billion rubles in 2019.

• Entertainment: video and audio streaming services and other media services. This subsegment includes the Okko online cinema, SberSound, Soyuzmultfilm. The revenue of this area in 2020 is 7.4 billion rubles (in 2019 - 1.9 billion rubles).

• FoodTech & Mobility: Combines ready-to-eat delivery services, taxis and car sharing. The main companies of this subsegment are Delivery Club, "Kitchen in the area," "Citymobil," You Drive. Annual revenue here rose from 0.5 billion to 4.8 billion rubles.

• Health: Includes digital services in healthcare such as telemedicine, online doctor's appointment, doctor's call at home, remote patient monitoring, electronic medical record, etc. Revenues in this sub-segment in 2020 reached 2.1 billion rubles, an increase from 1.5 billion rubles a year earlier.

• B2B services (cloud solutions, cybersecurity, marketing services, biometrics and other non-financial services for legal entities). Sberbank earned 33.6 billion rubles on these services in 2020, while in 2019 - 17.2 billion rubles.^[1]

Agreement with Skoltech on the creation of an ecosystem for the development of AI in healthcare in Russia

The Sber Group and the Skolkovsky Institute of Science and Technology on December 28, 2020 announced the signing of an agreement on the creation of an ecosystem for the development of artificial intelligence in Russian healthcare. The operator will be the SberMedAI (SberMedAI) company created in the summer of 2020. Read more here.

Merlion agreed on a strategic partnership with Sberbank

Sberbank and Merlion, a wide-profile distributor, one of the representatives of the Russian IT market, announced a strategic partnership. This was announced on December 24, 2020 by Merlion to TAdviser. Merlion's capabilities will be integrated into the emerging Sberbank e-commerce industry. Read more here.

Sberbank and Visa create a data laboratory in which they will study the behavior of customers

On September 30, 2020, SberBank told TAdviser that together with Visa they are launching a Data Lab in Russia, which will study changes in customer behavior based on impersonal data and develop personalized offers for all users of card products using artificial intelligence and machine learning technologies. All this is designed to improve the convenience and quality of services for customers.

The laboratory will be engaged not only in the study of current client behavior, but also - using R&D a -cluster - in the construction of probabilistic hypotheses, which will allow anticipating customer expectations.

The data laboratory will work on the infrastructure of Sberbank. In particular, the Christofari computer will be used for research in the field of artificial intelligence.

{{quote 'author = - said Alexander Vedyakhin, First Deputy Chairman of the Management Board of SberBank:|SberBank always strives to provide customers with convenient services. Technological innovations and cooperation with Visa give us the opportunity to fine-tune individual offers for card products. All this is done for even greater convenience of customers and even higher quality of services provided by us. With the opening of the Data Lab, a familiar plastic or digital card will become an indispensable customer assistant in its daily financial transactions. }}

We are excited about the opportunity to collaborate with one of our key clients in the field of artificial intelligence and machine learning, which is developing so rapidly. I am sure that such interaction in the field of working with data is one of the important elements that will help bring additional value to cards SberBank Visa holders and improve their user experience. - noted Mikhail Berner, CEO of Visa in Russia

Sberbank creates a new company to revolutionize the world of the auto industry

On September 4, 2020, Sberbank announced that it plans to spin off its SberDigitalAuto department as a separate subsidiary of Sber Automotive Technologies (SberAutoTech). Part of its shares will be used for a long-term motivation program for employees of this company. And the general director of the new "daughter" will be Andrei Vasilevsky, head of the SberDigitalAuto department, who in the past oversaw the development and implementation of the Yandex.Auto automotive platform. Read more here.

Sberbank and APP "Zalesye" signed an agreement on the development of artificial intelligence

On July 10, 2020, it became known that Sberbank and Zalesye APP signed an agreement on the development of artificial intelligence in the agricultural industry of the region and concluded a deal to introduce the Cognitive Agro Pilot autonomous management system for agricultural machinery. Read more here.

Sberbank launches SberHealth service for the development of all types of medical services

On June 17, 2020, Sberbank informed Zdrav.Expert about the launch of the multifunctional service SberZdorovye, which will provide a range of medical services. This will be the next step in developing the direction of health care as one of the strategically important in the bank's ecosystem. Read more here.

Anna Loevskaya headed the Digital Corporate Bank division

Anna Loevskaya has been appointed Director of the Digital Corporate Bank Division of Sberbank. Previously, this position was held by Evgeny Kolbin, who headed the Sberbank subsidiary SberCloud (Cloud Technologies LLC). This was announced on June 8, 2020 by Sberbank. Read more here.

Sberbank: We use the situation with the pandemic to become a "fully digital bank"

Sberbank is trying to use the situation due to the coronavirus pandemic to become a "fully digital bank," said Deputy Chairman of the Board of Sberbank Alexander Morozov during a conference call with analysts and investors in early May to discuss the bank's results for Q1 2020.

This year, Sberbank has a detailed plan to optimize the cost structure of both OPEX and CAPEX, Morozov noted. At the same time, it is important for the bank not only to achieve a temporary reduction in costs, but to restructure processes and increase efficiency. In this perspective, the bank, for example, uses machine learning to reduce manual operations where possible.

Sberbank is also reviewing its needs for office space, taking into account positive experience, since during the coronavirus crisis and before it, the bank gets rid of all unnecessary bureaucracy and paper, stressed Alexander Morozov.

But even with a course on cost optimization, Sberbank invests even more than before in digitalization, follows from the words of the deputy chairman of the bank's board. The current crisis has again shown that digital transformation is a key component for long-term success, he stressed.

We are becoming more and more digital bank, providing more and more digital services for customers. And we have more and more customers who only use digital channels and products, including a wide range of products from our ecosystem. In the first quarter of 2020, our OPEX grew by 12.3% compared to the first quarter of 2019, and the driver of this growth was to a large extent the development of digital services in the main business of Sberbank, - said Alexander Morozov during a conference call.

Senior Vice President, Head of Finance, Alexandra Buriko, cited data that 2 out of 5 Sberbank clients choose only digital channels, 139 banking services are available online. Almost 50% of Sberbank's sales are made online, which is 15 percentage points more than a year earlier. More than 9 million bank customers use Sberbank ID as a single login that allows access to services of about 45 ecosystem partners, including Delivery Club, Okko, Citymobil, etc.

According to Buriko, one of the fastest growing areas of the ecosystem business in the 1st quarter of 2020 was the online product ordering platform - a joint venture with Mail.ru Group. Thus, SberMarket showed an increase in revenue by more than 6 times year-on-year, and the food delivery service Delivery Club increased revenue by more than 2 times year-on-year.

Convicts in Russia began to train artificial intelligence at Sberbank

In mid-March 2020, convicts in Russia began to train artificial intelligence at Sberbank. As part of a joint project with the Federal Penitentiary Service (FSIN), the state bank will provide jobs to citizens sentenced to correctional labor.

By March 17, 2020, the project is being tested in one of the correctional institutions in Novosibirsk. There, 20 candidates for participation in the pilot chose the local department of the FSIN, after which they were assessed by the relevant services of Sberbank.

When choosing a site, Sberbank was guided by the territorial location of the correctional centers of the FSIN, where convicts who are not associated with isolation from society (can freely move through the streets) undergo labor adaptation, as well as the Center for Corporate Solutions of the Sberbank territorial division.

According to  deputy chairman SberbankaAnatoliya Popov, often society and employers are not determined to accept an ex-prisoner.

For those who, as they say, "have embarked on the path of correction," it is very difficult to adapt to the changed conditions, to find themselves. We hope that our example will be positively perceived by other Russian business structures, will receive the support of society... We believe that they need to be given the opportunity to earn honest work, and not only physical, but more intellectual and promising, and receive a reward for this, "he said.

According to him, all the information with which the convicts will work is completely impersonal and does not contain either personal data, or banking or other secrets. In addition, they work on PCs that are not connected to the banking network. Internet They also do not have access to them. The salary of convicts will be charged in accordance with the minimum wage - in Novosibirsk it is 12,130 . rubles^[2]

2019

Non-financial digital business brought Sber 35 billion rubles

Non-financial digital business in 2019 brought Sberbank 35 billion rubles. The president of the credit institution German Gref told about this in a conversation with Kommersant.

If we remove aggressive growth plans, then almost all businesses included in the ecosystem are paid off, - said Gref, answering a journalist's question about the effectiveness of investing in the Sberbank ecosystem (since September 2020 it has been called Sberbank). - But since today they are at the stage of growth, then, of course, we almost invest in everything. Building an ecosystem is a living process, we make decisions on the start of new initiatives, some transform, reformat something. Sold the largest asset "Yandex-Market," received more than 40 billion rubles back. Taking this into account, about $2 billion was invested, less than 3% of our capital.

According to the head of Sberbank, the company has both small projects with a million customers and developed ones - from 15-20 million. Most of the clients in the bank itself are only 110 million, 90 million of whom make at least one operation per month, he said.

In 2020, despite the crisis, the company plans to receive more than 70 billion rubles in non-financial business. The President of Sberbank also commented on the division of assets with Yandex. According to him, it does not matter on whose initiative this happened.

We compete with Yandex in a very large number of products. Where we do not compete, we continue to cooperate. When we started cooperation, there was no such competition. Yandex was a search engine, and we were a bank, "German Gref told the publication.

He also added that Sberbank deliberately does not buy other financial institutions, since it is confident in its ability to remain a strong company only if there are strong competitors in the market.^[3]

Sberbank invests in AI and computer vision technologies

On December 12, 2019, Sberbank informed TAdviser that, together with its partners, it had held a Demo Day of a joint acceleration program with 500 Startups, which identified the 8 most promising technology startups.

The Bank will invest 6 million rubles in 14 companies participating in the Accelerator, and 8 winners of the program will additionally receive another 4 million rubles. Sberbank will also offer teams of winning startups an individual internship in Russian corporations in the same industry as a startup, or a program to study European experience through the European startup hub - Luxembourg.

The global goal of the Accelerator is to promote Russia in the high-tech and entrepreneurship market. We are committed to making our country significantly more attractive in the innovation market and hope that this movement will be picked up by more companies. Only through the development of entrepreneurship will we be able to create a comfortable investment climate and a digital economy in Russia. " said Herman Gref, President, Chairman of the Management Board of Sberbank

The following startups were recognized as the best according to the results of the accelerator:

• Gurucan is a platform for creating and selling online courses in a mobile application;
• Boontar Live is a video streaming service with a trading module that allows viewers to buy goods in video without going to other pages;
• HatchOut AI - AI solutions for managing brand reputation in the advertising process, allowing you to appear only in a company-friendly context
• Andata is a technology that allows you to identify visitors to websites, noticeably reducing time costs
• Legium is a service that allows you to remotely sign electronic documents with individuals or legal entities;
• Malivar - creating and producing virtual characters based on neural networks and CGI graphs;
• Robot Albert is an automated mass learning platform with AI technology; This solution allows you to guarantee the skill of the employee in two months;
• Insize is a computer vision technology that allows warehouses and distribution centers in retail to move to unmistakable assembly of orders, reducing time costs and eliminating the possibility of error due to the human factor.

25 pre-selected startups and more than 500 guests became participants in the Demo Day. The expert council of the event, in addition to German Gref, President, Chairman of the Management Board of Sberbank, and Kristin Tsai, CEO and investment partner of 500 Startups, included representatives of large well-known companies:

• Elena Brusilova, President of JSC "Group of Companies Medsi";
• Vasil Latsanich, General Director of PJSC VimpelCom;
• Alexander Mamut, President of the combined Rambler & Co;
• Sergei Emdin, CEO of Tele2;
• Grigory Berezkin, shareholder of ESN.

Each of them chose the three teams whose products best complement the current business, and also identified the best startup that received a special prize from an expert.

During the acceleration program, 154 partner contracts were concluded, 218 hypotheses were tested and 792 meetings were held with Russian and international companies and investment funds. The revenue of startups during the acceleration program has doubled on average. For B2C startups, MAU grew by 110%.

From the first days of the program, startups finalized their products with representatives of the Sberbank ecosystem and its partners in order to launch pilot projects with them at the end of the program and agree on cooperation. The program partners were large companies that interacted with startups for possible technological integrations and investments: VK (formerly Mail.ru Group), Kh5 Retail Group, METRO Cash & Carry, VkusWill, McDonald's, PepsiCo, VimpelCom, Samsung, Nvidia and others.

The Sberbank and 500 Startups accelerator program repeats the famous 500 Startups program, which is held in San Francisco, USA. Within 8 weeks, from October 21 to December 11, 23 mentors from Silicon Valley visited Moscow. Each of them taught their own direction: from Customer development to Fundraising. The training took place in English and consisted of lectures, team workshops, individual meetings to study the specifics of startups and the basics of their business development.

Moscow and Sberbank created a company to develop services for business and officials

In November 2019, Sberbank and Electronic Moscow JSC registered a joint company Digital Platform Solutions LLC, 50.1% of which belongs to the bank's subsidiary (Digital Assets LLC), and the rest to the structure of Moscow. This project was created in order to transfer city services, such as payment for parking, payments for housing and communal services, an appointment with a doctor, an electronic diary of a student, to the IT platform of Sberbank. Read more here.

Signing legally binding documents to acquire 30% stake in Cognitive Pilot

On November 28, 2019, Sberbank told TAdviser that it is joining forces with Cognitive Technologies to develop unmanned technologies and create Cognitive Pilot (Cognitive Robotics). Sberbank will receive 30% of the company's shares, and 70% of the shares will be owned by the founders and management of Cognitive Technologies. Read more here.

Sberbank creates an ecosystem to hit Google and Facebook

Sberbank creates an ecosystem to compete with technology companies. This was announced at the end of November 2019 by the head of the bank German Gref at a meeting with premium clients of the bank (Sberbank First segment).

According to him, in the event of a ban on creating banking ecosystems, the authorities will have to additionally regulate large IT companies that are engaged in banking activities.

If we are re-regulated, or the Central Bank says: "Guys, this is the wrong concept, stay the bank...," - unfortunately,... after some number of years, they will have to deal with the regulation of high-tech giants in terms of banking, - said Gref.

He said that Sberbank is creating its ecosystem in order to preemptively hit IT giants that have already begun to engage in financial activities. Gref recalled that in 2018, almost all large Internet companies, including Google, Facebook and Amazon, received bank licenses.

In the ten-year term, they will come to our clearing and eat us. Therefore, we will arrange a feast for them on their territory, - promised the head of Sberbank, adding that the credit institution has already begun to create problems in the markets for traditional IT companies.

Gref made a statement after CENTRAL BANK RUSSIAN FEDERATION he released a report in which he paid attention to those created in large banks ecosystems. The regulator indicated that citizens are closed in the perimeter of these ecosystems, thereby replacing state institutions and monopolizing both the financial market and other industries. In addition, the risks of leaks of information about citizens are growing.

In this regard, the Central Bank intends to introduce regulation of intermediary activities so that the ecosystem administrator, when promoting and selling other people's financial products, provides equal access to third-party suppliers.^[4]

Sberbank and 500 Startups selected 25 IT startups in a joint accelerator

On October 22, 2019, Sberbank informed TAdviser about the completion of the selection of startups for participation in the second joint with the American venture capital fund 500 Startups accelerator. The top 25 of them started training on the accelerator program.

{{quote 'author = Lev Khasis, First Deputy Chairman of the Management Board of Sberbank' The purpose of our program is to give the opportunity to reveal to the full the brightest projects and talented entrepreneurs. We have created a working model for supporting startups at various stages: from gaining knowledge from the world's leading experts to integrating ready-made solutions into the business environment. In turn, for Sberbank and Accelerator partners, this is an opportunity to give impetus to the development of the corporation's business by quickly testing and implementing viable innovative solutions, }}

For training in the Accelerator program, Sberbank, 30 subsidiaries of its ecosystem, 500 Startups, as well as external partners - corporations and funds - chose the following projects:

1. Boontar Live is a video streaming service with a trading module that allows viewers to buy goods in video without going to other pages.
2. Bot Marketing is a marketplace of ready-made solutions with effective functionality for communication and interaction with customers of any business in instant messengers.
3. Brand Safety - AI solutions for managing brand reputation during the advertising process, allowing you to appear only in a company-friendly context.
4. Eora one chat is a platform that includes a large number of tools for automating communication between the brand, contact center and client.
5. Gurucan is a platform for creating and selling online courses in a mobile application.
6. Foodplan - an interface for compiling a food menu for the week and a convenient list of products for going to the store.
7. InSize Complete is a computer vision technology that allows warehouses and distribution centers in retail to move to error-free assembly of orders, reducing time costs and eliminating the possibility of error due to human factors.
8. Insurance is a robot that automatically determines the onset of insurance events and performs instant settlement of losses for customers of insurance companies.
9. IntellectDialog is an AI messenger marketing platform that allows businesses to successfully communicate with customers in all popular instant messengers, at all stages of their life cycle.
10. Legium is a service that allows you to remotely sign electronic documents with individuals or legal entities.
11. MALIVAR - creating and producing virtual characters based on neural networks and CGI graphs.
12. Medsis is a platform where any user can find out about the quality of the drug, based on international research, find an analogue.
13. NAIVE Software - creation of an automatic system for processing professional video material and video editing.
14. O.Vision is a contactless access control and control system that identifies the person's face.
15. Picvario - a system for managing digital assets - media files of various formats in conjunction with metadata. The solution allows you to securely store, search, edit metadata, control rights and effectively distribute assets.
16. Robot Albert is an automated mass learning platform with AI technology. This solution allows you to guarantee the skill of the employee in 2 months.
17. RoboVoice is a platform for creating voice bots that allow you to automate communication with customers.
18. Sliza is a service for improving the shopping experience on social networks.
19. Synpatic - technology and software for automatic assessment of the quality and other characteristics of conversations in contact centers.
20. VfanClip is a product based on TAPe technology (video recognition), which allows you to audit advertising companies on TV, synchronize advertising on TV with the digital environment, and estimate the market size.
21. YARP cloudy is an AI-based recruiting platform with an extensible set of adaptive services and tools for quickly selecting relevant candidates in the field. IT
22. Wibedo is a service that connects employers and job seekers for 1 shift in 15-120 minutes when they need it.
23. ZIAX is an advanced chatbot platform for enterprise business.
24. Smart Resident - a system that unites all parties to the participants in housing and communal services.
25. Universal digital passport - a technology that allows you to identify visitors to websites, significantly reducing time costs.

About
600 startups have applied to the accelerator, the vast majority of them work according to the B2B (62%) and B2C (32%) models. In terms of territorial distribution, the leaders Moscow are (60%) and (St. Petersburg 9%). The most common industries are e-Сommerce Professional & Support services, Cloud services, Educational & HR services, Lifestyle services and e-Marketing & e-Advertising. Most candidates already have first sales (53%) or stable sales (24%), and 12% of startups are already at the stage of scaling sales. A similar situation with the presence of a product offer: 47% have a working prototype (MVP), and 44% have a full-fledged sold product.

In 2019, the Accelerator's strategic partners were:, Х5 Retail Group, VK (formerly Mail.ru Group) Metro Group,,,, McDonalds,, Pepsico,,, Beeline Nvidia Doctor nearby funds Huawei Technologies VkussVill,,,. The accelerator is also Da Vinci Capital AltaIR Capital RVC I2BF supported by the Moscow Innovation Cluster and more than 30 subsidiaries of the Sberbank ecosystem.

Projects with the best intermediate results of participation in the program will be able to receive not only investments from Sberbank - 6 million rubles for 5% of the authorized capital of the startup, but also the possibility of cooperation with the largest market players.

The Sberbank and 500 Startups accelerator program repeats the 500 Startups program, which is held in San Francisco, and will last 9 weeks. Every week, 3 mentors from 500 Startups will come to Moscow, each of whom will teach their own direction: from Customer Development to Fundraising. The training will consist of lectures, team workshops, individual meetings with mentors to study the specifics of startups and the basics of their business development. In addition, from the first days of the program, startups will finalize their products with representatives of the Sberbank ecosystem and its partners in order to launch pilot projects with them at the end of the program and agree on cooperation.

Training in the Accelerator will end with a Demo Day, at which startups will speak to hundreds of investors and representatives of large corporations that are actively innovating. Also at the Demo Day, 7 startups will be identified by which Sberbank will offer additional financing for business development, including an individual internship in Russian corporations in the same industry as the startup, or a program to study European experience through the European startup hub - Luxembourg.

Sberbank liked to buy shares in startups with the participation of a partner from Silicon Valley. Decided to repeat

In September 2019, Sberbank and one of the most famous international accelerators - 500 Startups from Silicon Valley - announced the launch of a joint accelerator for the second time and the selection of IT projects for it. The accelerator will select 25 projects that are most interesting for the development of the Sberbank ecosystem.

Projects with the best intermediate results of participation will be able to receive investments from Sberbank - 6 million rubles in the form of a convertible loan, with further conversion into 5% of the authorized capital of the startup, as well as the possibility of cooperation with the largest market players.

Russian startups that already have a legal entity in the form of LLC, first sales and MVP (working version of the product) in such industries as e-commerce, electronic services in the field of health care, telecommunications, products in the field of education and personnel, lifestyle, fintech, logistics, cybersecurity, cloud services, Big Data, etc.

The Sberbank and 500 Startups accelerator program repeats the well-known 500 Startups program, which is held in San Francisco, and will last 9 weeks. Every week, 3-5 mentors from 500 Startups will come to Moscow, each of whom will teach their own direction: from testing an idea or prototype of a future product on potential consumers to attracting funding. The training will consist of lectures, team workshops, individual meetings with mentors to study the specifics of startups and the basics of their business development.

In addition, from the first days of the program, startups will finalize their products with representatives of the Sberbank ecosystem and its partners in order to launch pilot projects with them at the end of the program and agree on cooperation. According to Sberbank, as of September 2019, its ecosystem has more than 30 accelerator partner companies.

Applications for participation in the second wave of the program are accepted until October 6, 2019 inclusive.

The first joint accelerator of Sberbank and 500 Startups took place a year ago, 30 projects took part in it. In the first wave, more than 800 Russian startups applied for participation. In the total volume of applications submitted, the most startups were from the field of e-commerce (15%), cloud B2B services (9%) and lifestyle services (9%).

According to Sberbank, during the first project, the revenue of B2B startups grew on average by more than 40%, V2S - by 70%, companies conducted more than 130 pilot projects in corporations. More than 60 investment funds and angel businesses have become interested in investing in startups. 7 teams whose products were recognized as promising for sale in foreign markets, underwent additional training in the USA, in Silicon Valley. Several projects attracted foreign investors.

33 services in the Sberbank ecosystem

Agreement with Rambler Group on the implementation of priority projects

On June 06, 2019 Sberbank , he announced that he Rambler Group had signed an agreement on operational partnership for the implementation of priority projects, in particular, connecting Rambler Group resources to Sberbank ID, priority use acquiring and promotion in the bank's network. online movie theater Okko

As part of the connection to Sberbank ID, the parties intend to provide information and technological interaction for user authentication when accessing Rambler Group information resources. Thus, it will be possible to visit the Rambler Group sites using a single login and password for the Sberbank Ecosystem.

The Parties have also agreed on the priority use of acquiring the Bank, in case it is commercially reasonable for Rambler Group.

In accordance with the agreement, a project will also start in June, during which visitors will be invited to get acquainted with Okko in a number of bank branches in Moscow. Bank employees will talk about the possibilities of an online cinema and, in case of interest from the client, will help to issue a trial subscription on special conditions. It was also decided to include Rambler Group services (tickets to the cinema network and subscription to the basic Okko package) in the bank's pilot digital package offer for customers.

We are starting to gradually integrate the services of the online media and entertainment holding into our product line. These are joint projects that will make it possible to qualitatively enrich and make seamless customer experience, to supplement banking services with popular popular content in demand. And unified user authentication will allow us to offer customers a convenient and affordable way to consume information in the near future.

{{quote 'author = said Rafael Abrahamyan, CEO of Rambler Group|Okko's promotion in Sberbank's offline network is a good example of the synergies we expect from our partnership. This is one of our first joint activities: we have big plans ahead to integrate Rambler Group products and services into the Sberbank ecosystem. We are confident that this will significantly expand the audience of Okko and our media resources and increase the loyalty of Sberbank customers, }}

Signing a memorandum on the establishment of the Center for Innovation and the Internet of Things in Healthcare in Russia

On June 6, 2019, a memorandum was signed between the international biopharmaceutical company AstraZenek, the Skolkovo Foundation, Nokia companies, Factory of Radiotherapy Technology LLC (R-Pharm group of companies), Russian Post, Sberbank on the creation of a Center for Innovation and the Internet of Things in Healthcare on the basis of the Fund, which is planned to open in October 2019. Read more here.

Launch of Sber Solutions outsourcing services

May 24, 2019 Sberbank announced the launch of a line of services outsourcing business processes under the Sber Solutions brand. More. here

2018

Not only the bank: new businesses that turn Sberbank into a high-tech corporation

One of the goals of the Strategy 2020 adopted by Sberbank is the implementation of initiatives that will allow competing with global technology companies. This competition unfolds in the plane of forming the best customer experience, and not necessarily financial. To do this, the bank launches various digital initiatives, enters into strategic alliances, searches for startups and tests new market niches for itself. Read more here.

Sberbank is ready to buy shares in startups. Selection Accelerator Started

On September 6, 2018, Sberbank launched a startup program with a partner - 500 Startups. It is one of the best-known international venture capital funds, specialising in seed investments and is also one of Silicon Valley's most prestigious start-up accelerator.

As part of the joint program, until October 9, 2018, Sberbank and 500 Startups plan to select 25 startups that can be accelerated at Sberbank and receive up to 10 million rubles from it, said Lev Khasis, First Deputy Chairman of the Board of Sberbank.

After that, until the end of January 2019, another selection will take place, according to the results of which 7 of the 25 previously selected teams will remain. These startups will be able to accelerate in the United States and get on a demo day with investors in the United States with promising funding.

From a technological point of view, the priority in the selection for Sberbank is represented by companies developing products not only for the banking sector, but also in the field of e-commerce, digital retail, electronic health care and. formations This is also interesting for Sberbank clients, said Lev Khasis.

According to Hasis, subsequently Sberbank may receive a share in the most promising and interesting startups to the bank. The bank sees the most successful startups as important elements of its ecosystem both in the provision of interesting services to its clients and in the field of improving the efficiency of the bank's activities.

The first deputy chairman of Sberbank recalled that the bank sees itself as a "technology company with a bank license." To increasingly approach this vision, you need to learn the art of investing, he says. The bank also has a mission - to make people's lives better, and the accelerator, Hasis said, is a tool that allows people to get venture capital funding to realize their dreams.

Successful startups Sberbank and 500 Startups plan to help expand their markets and bring their products abroad. The representative of 500 Startups noted that there are many talents in Russia, and their accelerator is interested in developing cooperation with Russian innovative companies looking for financing abroad and the appearance of their products on the foreign market.

At the same time, Hasis emphasized, we are not talking about the leakage of Russian brains abroad. One of the requirements for startups wishing to participate in the acceleration program is their registration in the form of an LLC in Russia. It is about simply giving companies the opportunity to expand sales markets, the representative of Sberbank notes.

Speaking about the prerequisites for launching the program, Lev Khasis noted that large companies around the world, such as Google and Amazon, are acquiring startups, and their acquisitions are already in the hundreds. In Russia, this is still a new phenomenon, says Hasis, but large companies are starting to pay more and more attention to investment in startups.

We have long thought about how to streamline the work and bring the best world practices to the investment activities of Sberbank. There are many talents in Russia, but the innovation infrastructure, such as in other countries, has not yet been built here, and startups often have problems attracting investments, entering foreign markets with the product. Therefore, we thought that it would be good to attract a partner with experience. There are only a few such successful accelerators around the world as 500 Startups, "he explained.

Hasis added that part of the agreement with 500 Startups is to train Sberbank employees in venture financing in the field of innovation in order to strengthen internal expertise in this area.

Sberbank expects that subsequently other large corporations and state-owned companies interested in using startup technologies will join them. According to Lev Khasis, the bank has already held negotiations with potential partners. At the end of September, Sberbank plans to announce a program with them.

Creating a Cloud Platform for Enterprise Customers

In April 2018, Sberbank and the Russian system integrator Ai-Teko signed an agreement on the creation of a joint cloud platform SberCloud. It is assumed that the company will provide cloud solutions both for Sberbank and its partners and for external customers. Sberbank's participation in the joint venture will be 60%. Read more here.

2017

Launch an online service for managing a trading company

In September 2017, Sberbank announced a cloud service for managing small businesses. It combines sales, purchasing, warehouse,  finance, and Customer Relationship Management (CRM) in one system called My Trading. Read more here.

Running a free CRM system

In September 2017, Sberbank offered corporate clients to use a new service - free CRM. The service was presented as part of the development of Sberbank's line of non-bank services. Read more here.

Sberbank opens coworking space in Russia for high-tech startups

Sberbank is going to open coworking spaces in its empty premises throughout the country. This will happen if such a project is successful in Kazan. The bank is confident that coworking will help novice entrepreneurs in the field of high technologies and freelancers.

According to Stanislav Kuznetsov, deputy chairman of the bank's board, even in Moscow and the Moscow region, where the level of competition is extremely high, there is still a request for new coworking spaces. Kuznetsov is confident that Sberbank's coworking spaces will be able to compete with other similar projects even in the capital. In addition, Interfax reports, he is sure that there is a need for places for joint work not only in cities with a population of one million, but also in cities with a population of 500 thousand people.

The opening of the first Sberbank co-working space in an office building in Kazan took place in July 2017. The premises are part of the future all-Russian network GrowUp. The spaces will be managed by Becar Asset Management Group. Investments in the new project amounted to 24 million rubles, 20 of which were invested by Sberbank. The bank plans to recoup the funds in 2-4 years.

An office building with a coworking space is located on Aivazovsky Street in the center of Kazan. The area of ​ ​ coworking is 1067 square meters. The space is designed for 238 workplaces. For the convenience of customers, there are several meeting rooms, a kitchen, two coffee points - one per floor, openspace and an office for teamwork. In addition, the coworking area has a conference room for 80 people and a rest room.

Coworking should help to appear and start working for startups in Tatarstan. Many who can do without their own office will now not be required to rent premises. If the space is successful, new coworking spaces will appear in 2-3 months^[5].

Sberbank will offer Microsoft cloud services to corporate customers

On June 21, 2017, Sberbank announced cooperation with Microsoft in the field of corporate cloud services. With this partnership, one of the largest credit institutions in Russia is entering a new market for itself.

According to the monthly subscription model, corporate clients of the bank will have access to familiar office applications (Excel, Word, Outlook, etc.), advanced means of communication and collaboration, as well as tools that allow automating the usual business processes of small service companies. Corporate clients of the bank will be offered a number of tariff plans. In addition to the usual office applications, they include such company management tools as online recording for services, a messenger for teamwork, an electronic journal of an employee working remotely, and mini-CRM.

According to Anatoly Popov, Senior Vice President of Sberbank, the company is cooperating with Microsoft to fulfill the tasks of diversifying the service portfolio and developing non-bank services.

Microsoft 365 (formerly Office 365) is the next step: 1.4 million of our enterprise users will get the right tools to improve productivity, simplify business processes and manage their organization on favorable terms. We plan that in the medium term, non-banking services will play a significant role in our business, "Popov said.

Microsoft President in Russia Pavel Betsis says that the results of cooperation with Sberbank will be "significant," and they will contribute to the development of the entire Russian cloud services market. Thanks to the cloud model, IT tools are becoming available not only to large companies, but also to small and medium-sized businesses, helping them grow and develop faster, said Betsis, who was previously reported to leave Microsoft in August 2017.

2016

Plan to create your own virtual operator after a failed attempt to buy Yota

On September 7, 2016, it became known about Sberbank's plans to organize its own virtual mobile operator. This decision was made after allegedly unsuccessful negotiations with MegaFon on the purchase of the Yota operator.

The organization tried to negotiate with Tele2 and MTS. Anatoly Smorgonsky, ex-director of Yota confirmed the information about the events. Experts estimated "Yota (Scartel)" at 45 billion rubles^[6]

Telecom and data operators are already operating in the sector of some banking services, to a certain extent creating competition for banks. Of course, Sberbank could develop a number of mobile banking services based on Yota assets, for example, providing communication services on credit, SMS notification about the crediting of funds to cards, transferring money from a mobile phone account to a bank card. But there are doubts that the bank will be able to effectively manage non-core assets for itself. Natalya Milchakova, Deputy Director of the Analytical Department of Alpari

The basic strategy of the project economy for Sberbank was calculated by Anatoly Smorgonsky, citing an informed source, the publication reported plusworld.ru. The essence of the offer: the bank has customers who use the cashback service (refund when paying for a purchase using a card). At the expense of cashback funds, the user can use free mobile communications with a certain package for a month, for example 500 MB of Internet traffic, 100 minutes of conversation and 50 SMS. If the package is used up within a month, then the payment for services will become fixed: a certain fee will be charged for each minute. At the same time, the emergence of a free mobile operator will have to stimulate Sberbank customers to switch to the use of cards and Internet banking applications.

2015: Launch of E-Invoicing service

In April 2015, Sberbank launched an electronic invoicing service (ESF) for collection services, currency control and other bank services involving VAT collection. Read more here.

2014: Opening of the Digital Business Development Unit under the leadership of V. Orlovsky

In 2014, Sberbank opened a digital business development unit. Victor Orlovsky, appointed senior vice president for digital business development at Sberbank, told TAdviser in March 2015 about plans in this area.

The main goal of the new division is to develop Sberbank's business in new areas based on new technologies. This involves investing in third-party development companies to gain access to their technology. Orlovsky told TAdviser that Sberbank has 11 such projects planned for 2015.

Everything that is done in this area is somehow connected with mobile devices and mobile payment for goods and services, with technologies for working with big data, biometric technologies and quick user identification, says Victor Orlovsky. At the same time, some of these projects are opened as new business areas of Sberbank, and some are commissioned by existing Sberbank divisions to solve a number of their problems.

The first of 11 planned projects to develop a digital business was the acquisition of control in two companies developing products Platius and Segmento. The first is a system of loyalty and mobile payments. Its development is carried out by the company of the same name, founded by Iiko (created by Abbyy founder David Jan), as well as UCS. In turn, Segmento is an advertising platform developed by RuTarget.

Within the framework of the Platius project, Sberbank aims to create a national-scale mobile payment system that would become the standard for most retail businesses. The bank expects that by 2019 the number of users making payments using mobile devices in Russia will exceed 40 million people and aim to provide the Platius service for at least half of them.

"So

far this market is small, but we want to be on it early as we believe it will develop very much. Samsung will come here with its decision Samsung Pay and Apple with its Apple Pay, "says Sberbank's senior vice president of digital business development.

Sberbank chose not to disclose the portfolio of other projects, as well as the budget planned for them. Victor Orlovsky noted that many of these projects have R'n'D, so some of them start, but then close: "In the process of working on some projects, not all of our hypotheses and expectations are met," he says.

The task of the Directorate for the Development of Digital Business is to try the technology, quickly conduct an experiment to understand whether the technology is working or not, and then decide whether to invest in this project or not.

In addition to venture capital investment projects, Sberbank also has a number of other new projects for the development of e-business. Victor Orlovsky told TAdviser that one of them, for example, is the development of electronic trading platforms like MarketPlace. According to him, as of the beginning of 2015, Sberbank is experimenting on the creation of sites that could connect corporate clients of the bank with each other, as well as with retail clients.

Another area is the creation of a business tablet that allows micro-businesses and small businesses to accept bank card payments from mobile devices and issue checks to customers. In 2014, Sberbank tested a business tablet for 1000 of its customers, and in 2015 plans to launch the device on sale.

2010: The closure of the company "Sberbank" due to its loss-making

The decision to liquidate the company "Sberbank," established by the bank together with other shareholder companies, was made on August 20, 2010. This step was due to the unprofitability of this company. For more information, see "Savings Card."

In 2010, the bank concluded a number of strategically important contracts, carried out certification and assessment of working personnel, took additional measures to improve the quality of service to citizens, implemented socially significant and economic projects.

See also

Sberbank Ecosystem (SberX)

Notes