Sberbank
Since 1841
Russia
Central Federal District of the Russian Federation
Moscow
Top managers:
Alexey Olegovich Kozyrev
Solopov Pavel Vasilievich
Ganeev Oleg Vladimirovich
Grangia Fabricio Granja
Evgeny Mikhailovich Voevodin
Dzhangirov Dzhangir
Popov Anatoly Leonidovich
Malyshev Sergey Konstantinovich
Andrey Voinov
Demenev Vladimir Mikhailovich
Golubtsov Oleg Nikolaevich
Andrei Viktorovich Dmitriyev
Osipov Vladimir Mikhailovich
Vyacheslav Tsybulnikov
Kartashov Stanislav Valeryevich
Neznamov Andrei Vladimirovich
Dobrokhvalova Tatyana Sergeevna
Dudina Natalya Vladimirovna
Lipskaya Tatyana Vladimirovna (formerly Zavyalova)
Sitnov Vladimir Vyacheslavovich
Sushkova Marina Aleftinovna
Erilov Igor Alexandrovich
Nikolay Korzhenevsky
It Nikita
Dubrovsky Rodion Vadimovich
Gayevsky Ivan Vladimirovich
Porfiryev Sergey Igorevich
Dubrovsky Rodion Vadimovich
Elective Alexander Anatolyevich
Dmitry Andreevich Sharychenko
Majorov Evgeny Sergeevich
Alexander Alekseevich Zolotarev
Moldavian Gennady Viktorovich
Yartsev Evgeny Anatolyevich
Anakhov Danila Mikhailovich
Dmitry Igorevich Chekhlistov
Firsov-Shibaev Denis Olegovich
Manafova Nelly Yurievna
Sviridov Stanislav Alekseevich
Victor Ratnikov
Shchukin Sergey Sergeevich.
Shelepin Sergey Leonidovich
Lanfranco Cirillo
Gavrishin Vyacheslav Igorevich
Oksana Borisovna Slutskaya
Owners:
Ministry of Finance of the Russian Federation - 50%
Assets | Owners |
+ Sberbank |
Sberbank Management Bodies
General Meeting of Shareholders
The General Meeting of Shareholders is the supreme governing body of Sberbank of Russia. At the general meeting of shareholders, decisions are made on the main issues of the bank's activities, including amendments and additions to the bank's charter or approval of the charter, liquidation of the bank, election of members of the bank's supervisory board and early termination of their powers, election of the president, chairman of the bank's board and early termination of its powers, etc.
Supervisory Board of Sberbank
Main article: Supervisory Board of Sberbank
The Supervisory Board of the Bank consists of 17 directors, including 6 representatives of the Bank of Russia, 2 representatives of the Government of the Russian Federation, 2 representatives of Sberbank of Russia and 7 independent directors. The Supervisory Board of the Bank is responsible for the following issues: determination of priority areas of the Bank's activities, convening of general meetings of shareholders and approval of their agenda, recommendations on the amount of dividends on shares, approval of major transactions in cases stipulated by federal law, etc.
Sberbank Management Board
Main article: Sberbank Management Board
The bank's board consists of 14 members. The bank's board is headed by the president, chairman of the bank's board. The Bank's Management Board is responsible for the management of the Bank's current activities, with the exception of issues within the competence of the General Meeting of Shareholders and the Supervisory Board.
Structure
2022: Change in organizational structure: allocation of ecosystems for B2B-/B2C-businesses and e-commerce-holding
On February 15, 2022, Sberbank informed TAdviser about the decision to make changes to its organizational structure in the interests of implementing Strategy 2023, and also spoke about personnel changes. In particular, two ecosystems will be allocated in Sberbank: for clients - legal entities (B2B-business) and for clients - individuals (B2C-business) in order to provide a holistic view of client needs and create seamless client experience when using Sberbank services. At the same time, a separate e-commerce holding will be created in the key non-banking industry for the Sberbank group - the e-commerce industry. It is planned to implement all the announced changes until June 1, 2022.
The newly formed V2V- and B2C ecosystems of Sberbank will work in close coordination with each other, as well as with other divisions of the bank and subsidiaries of Sberbank on the basis of unified platform and technological solutions and together will form a holistic ecosystem of Sberbank.
In turn, the e-commerce holding will combine Sberbank's investments in SberMarket, SberMegaMarket, SberLogistics, Sber Eapteka and SMM-Retail, as well as in a joint venture with VK - O2O-Holding. According to Sberbank's calculation, unified asset management will ensure both optimal customer experience and create significant synergies and strengthen the group's position in the rapidly developing e-com industry.
All Sberbank partners in the companies that will be part of the holding will be offered to exchange their shares for holding shares at a fair market price.
According to the President, Chairman of the Board of Sberbank German Gref, Sberbank is undergoing a transformation of the business model from the bank to a diversified ecosystem, providing hundreds of everyday services in various areas for more than 105 million customers in the B2C- and B2B segments. And the key task of the team is synergy in products and services based on client paths, everyday anticipation of the client's needs and the formation of a holistic proposal for segments from Sberbank as an ecosystem.
 | That is why it was important to combine all products from the financial and non-financial industries under a single leadership in each of our key client segments, "said German Gref. - I am sure that within the framework of our updated organizational structure we can bring even more benefits to society and build an effective process of creation and continuous development of a comprehensive profitable offer for Sberbank clients. |  |
Alexander Vedyakhin, First Deputy Chairman of the Management Board, will oversee the development of the V2V ecosystem, he will also oversee the Sales Network unit. From June 1, 2022, it will additionally include responsibilities for supervising the International Business block and the function of horizontal coordination of all bank subsidiaries specializing in services for clients - legal entities.
The Supervisory Board of Sberbank decided to introduce the position of First Deputy Chairman of the Management Board, which will oversee the V2S ecosystem, and in the event of a positive decision of the Central Bank of the Russian Federation, appoint Kirill Tsarev, who holds the position of Deputy Chairman of the Management Board, head of the Retail Business unit of Sberbank, to this position in February. From February 16, 2022, Kirill Tsarev, in addition to managing the Retail Business block, will oversee the Wealth Management block. From June 1, 2022, it will be additionally transferred to the function of horizontal coordination of all subsidiaries of the bank specializing in services for customers - individuals.
In case of a positive decision of the Central Bank of the Russian Federation, the Supervisory Board of Sberbank will appoint Alexandra Buriko, Senior Vice President, Head of the Finance Unit, to the post of Deputy Chairman of the Management Board.
The Supervisory Board of Sberbank also considered the request of the First Deputy Chairman of the Management Board Lev Khasis, who decided to complete his work in the Management Board of Sberbank in order to be able to take up his own projects. The Supervisory Board agreed to dismiss him from his post on June 1, 2022, after which Lev will continue to cooperate with Sberbank as a consultant, and will also become President, Chairman of the Board of Directors of the e-commerce holding created by Sberbank.
Blocks, divisions and subsidiaries, which are supervised by Lev Khasis, until June 1, 2022 will be transferred to the supervision of the First Deputy Chairman of the Management Board Alexander Vedyakhin and Kirill Tsarev, other members of the Management Board or transferred to direct subordination to the President, Chairman of the Management Board of Sberbank German Gref.
Territorial banks in Russia
Sberbank has an extensive branch network: currently it includes 17 territorial banks and about 20 thousand divisions throughout the country.
- Baikal Bank (Trans-Baikal Territory, 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 Territory, Republic of Tuva, Republic of Khakassia)
- Far Eastern Bank (Khabarovsk Territory, Primorsky Territory, Amur, Sakhalin Regions, Jewish Autonomous Region)
- West Siberian Bank (Tyumen, Omsk Regions, Khanty-Mansi Autonomous Okrug - Yugra, Yamalo-Nenets Autonomous Okrug)
- West Ural Bank (Perm Territory, Komi Republic, Udmurt Republic)
- Moscow Bank (City of Moscow)
- Volga Bank (Samara, Ulyanovsk, Orenburg, Saratov, Volgograd, Astrakhan, Penza Regions)
- Northern Bank (Yaroslavl, Kostroma, Ivanovo, Vologda, Arkhangelsk Regions, Nenets Autonomous Okrug)
- North-Eastern Bank (Magadan Region, Kamchatka Territory, Chukotka Autonomous Okrug, Republic of Sakha)
- North-West Bank (St. Petersburg, Leningrad, Murmansk, Kaliningrad, Pskov, Novgorod Regions, Republic of Karelia)
- North Caucasus Bank (Stavropol Territory, 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 Territory, Altai Republic)
- Central Russian Bank (Moscow, Tver, Kaluga, Bryansk, Smolensk, Tula, Ryazan Regions)
- Ural Bank (Sverdlovsk, Chelyabinsk, Kurgan Regions, Republic of Bashkortostan)
- Central Black Earth Bank (Voronezh, Oryol, Lipetsk, Kursk, Belgorod, Tambov Regions)
- South-Western Bank (Rostov Region, Krasnodar Territory, Republic of Adygea)
Foreign Representative Offices
Main article: Sberbank abroad
Acquisitions of companies, sale of assets and JVs
Main item: Acquisitions, sale of assets and joint venture of Sberbank
Digital business
Main article: Sberbank's digital business
In 2014, Sberbank opened a digital business development unit. 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.
Sberbank ATMs
As of December 2012, the number of retail clients of Sberbank exceeds 106 million people, with a total population of 143 million people in Russia. Sberbank's corporate clients are 1.5 million organizations with a total number of Russian companies of 4.3 million.
As of January 1, 2011, Sberbank's assets accounted for more than a quarter of the country's banking system (27%), and the share in banking capital was at the level of 26%.
Financial performance
Main article: Sberbank's financial performance
Digitalization
Main article: Information technology at Sberbank
Information Systems and Communications
Data breaches
Main article: Data leaks in Sberbank
Countering fraudsters and hackers
Main article: Sberbank (information security)
History
2024
Opening of two offices in Zaporizhzhya and Kherson regions
Sber opened two full-length offices Zaporozhskaya in and: in Hersonskaya regions Melitopol and in Genichesk. This was bank announced on December 16, 2024. Donetsk DPR Another full-length office has also opened in. Sberbank's network of full-length offices in the regions is 12 as of December 2024, and we also serve clients in several dozen offices of alternative formats (including partner and mobile offices). ATM Sberbank's network in the regions is 330 devices. Until the end of 2024, Sberbank will focus on expanding the network in the regions, partially replacing the points of alternative formats with full-format ones. By the beginning of 2025, these regions will have 23 full-format offices and 400 ATMs. In 2025, the expansion of the network will continue.
For six months of its work in the regions, Sberbank served more than 150 thousand people. Retail customers primarily issue debit cards here and connect SberBank Online - after all, this makes it possible to easily pay for purchases and services, make transfers to loved ones at any time anywhere. Entrepreneurs actively open accounts, connect SberBusiness, register acquiring, salary projects, etc.
TAdviser interview with Ivan Prokhorov, design director of the Pulse HR platform
Ivan Prokhorov, design director of the Pulse HR platform, Sberbank in November 2024 spoke in an interview with TAdviser about the prospects for the product. Read more here.
Payment to managers 28 billion rubles
On August 16, 2023, it became known that Sberbank in 2023 paid its key managers and senior management remuneration totaling ₽28 billion. This amount includes wages, bonuses and compensation payments, including taxes on personal income. This data is confirmed by the materials of the bank itself.
According to TASS, the indicated amount was distributed among more than 600 managers who have a significant impact on the bank's strategy, financial results and level of risks. The circle of persons who received these payments includes members of the Board, senior vice-presidents, heads of branches and other high-ranking employees of Sberbank.
Arikapital investment strategist and associate professor at the Financial University under the Russian government, Sergei Suverov, stressed that the amount of remuneration is adequate against the background of the bank's high profit and significant investment in development. According to him, the disclosure of this information indicates a high transparency of the company, which is a positive signal for investors.
Earlier, in 2021, Sberbank disclosed data on payments only for board members, which makes the current data more ambitious and open. In comparison with other companies, for example, with Rosneft, which paid 180 key top managers ₽ 14.7 billion in 2021, Sberbank continues to maintain its position in remuneration issues at the level of competitors.
Investment strategist Sergei Suverov also noted that in the current conditions it is difficult to estimate the amount of payments, since other public banks have not yet submitted their data. However, based on historical data, Sberbank traditionally paid less compared to companies in the real sector of the economy.[1]
Sber became the largest employer in Crimea
Sberbank has become the largest employer in Crimea. This was announced in mid-August 2024 by the head of the credit institution German Gref.
In his statement, Gref noted that as of August 2024, more than 700 people work in the Crimean divisions of Sberbank, and over 3,000 employees work in the Mriya resort, also owned by Sberbank. Thus, the total number of employees of the bank and related organizations in the region exceeded 3,700 people.
Gref also noted that when launching banking services on the Sber Peninsula, he faced a shortage of qualified personnel, which is due to specific requirements in the banking sector. The first 300 employees were recruited from other regions of Russia and formed the backbone of the team. In the future, the bank focused on the training and training of local specialists, which made it possible to expand the staff already at the expense of personnel from the Crimea.
According to Gref, by the end of 2024, Sberbank plans to increase its share in the Crimean banking market to 20-25%. In August 2024, there are 18 bank service points in the region, of which 15 are intended for retail customers, and three for business. These offices are located in cities such as Sevastopol, Simferopol, Yalta, Kerch, Feodosia and Evpatoria.
Sberbank began active activities on the Crimean peninsula in the spring of 2023, after the introduction of Western sanctions, which opened up new opportunities for the Russian banking sector. In 2023, Sberbank entered the Crimean market and by January 2024 its share reached 12%. Gref stressed that the presence of Sberbank on the peninsula has a favorable effect on the local economy, leading to lower lending rates and increased competition in the financial services market.
In Crimea, the bank plans to open 22 more branches for business services and up to seven offices for working with individual clients by the end of 2024.[2]
Sberbank 4 times knocked down the amount of a multimillion-dollar penalty for its violations under the contract with GosTech
As TAdviser discovered in August 2024, a decision was made of the first court instance - the Moscow Arbitration Court - in a six-month trial between Sberbank and GosTech PKU regarding a large penalty accrued to the bank as an executor of a state contract. The document is published in the system "Electronic Justice"[3]According to the decision, the court, at the suit of Sberbank, quadrupled the amount of the penalty that he must pay for improper fulfillment of obligations under the state contract with the GosTech PKU. The latter disagrees with such a court decision and filed an appeal. Read more here.
The opening in St. Petersburg of the immersive store "Smart home" Sber
The brand store of the Smart home Sber has opened. The bank announced this on June 5, 2024. The space was opened by Deputy Chairman of the Board Stanislav Kuznetsov, Senior Vice President, Head of the Technological Development Unit of Sberbank Andrei Belevtsev, Senior Vice President, Head of the Technologies Unit of Sberbank Kirill Menshov and CEO of SberDevices Denis Filippov.
In this space, everyone can not only try and purchase smart Sber devices, but survive the ideal experience of interacting with a smart home through futuristic techno-performance.
The showroom space is organized as a prototype of a living room and is divided into zones: living room, children's, kitchen. In each of them, different scenarios of the Sber Smart home can be implemented. Visitors are invited to present the apartment in the form of a white canvas, which becomes colored and "comes to life" only with the beginning of using the smart home system.
In just a few minutes, visitors can "live a whole day": meet the morning, cook breakfast, watch a film, prepare for bed. All Sber smart devices are involved in techno performance - from motion sensors to smart speakers - as well as devices from partner companies.
Special attention in the show room is paid to interaction with children. They quickly and gladly adapt to new technologies, so they create special devices for them and develop special scenarios. The company aims to show how children from the earliest years can gain experience interacting with technological devices and artificial intelligence, which can be extremely useful in life.
FTS disconnected Sberbank and VTB from the service for registration of individual entrepreneurs and LLC due to the imposition of services
At the end of May 2024, the Federal Tax Service of Russia temporarily suspended access to the electronic registration system for individual entrepreneurs and legal entities for a number of major banks, including Sberbank and VTB. As it turned out, credit organizations violated the established rules for using this service by imposing services for opening settlement accounts on citizens who applied for business registration directly to the tax authorities.
According to RBC, on May 24, 2024, Sberbank and VTB did not have the opportunity to remotely register individual entrepreneurs and LLCs. Subsequently, access to the service was restored. Similar restrictions were imposed on other banks.
| | After banks carry out internal work to suppress such calls with the imposition of services, access to the corresponding API service is resumed, the Federal Tax Service explained. | |
According to the rules of information interaction with the electronic business registration system, banks are strictly prohibited from advertising services for opening settlement accounts to individuals who have independently applied to the Federal Tax Service for registration of individual entrepreneurs or LLC. This restriction is designed to protect novice entrepreneurs from annoying calls from employees of credit institutions.
As noted in the tax department in a conversation with the publication, the purpose of this requirement is to prevent intrusive telephone calls to individuals from banks immediately after they create a legal entity or register as an individual entrepreneur.
If violations are detected, the Federal Tax Service may temporarily suspend the bank's access to this service, issue an order to eliminate violations within 30 days, and in case of repeated incidents, completely disconnect from the information exchange system.
| | The impossibility of even temporary use of the service can create serious difficulties for banks in working with clients, "said Dmitry Shevchenko, managing partner of Zamoskvorechye Law Office, recognizing the effectiveness of the Federal Tax Service's practice in combating illegal advertising mailing.[4] | |
2023
Approval of a "non-trivial" development strategy
On November 7, 2023, the Supervisory Board of Sberbank approved a new development strategy, the main provisions of the dividend policy, and also re-elected German Gref as president - chairman of the board of the credit institution. According to Gref, the supervisory board adopted a "very non-trivial" strategy, which is very different from what the bank did before.
| | The main theme of the strategy, we chose humanocentric and worked hard on this topic, "he said, adding that the details of the strategy will be disclosed on December 6, 2023. | |
At the same time, a strategic plan for the development of a credit institution until 2025 has already been published on the Sberbank website. The key goals of the project are:
- the best partner for business with the Russian Federation. This direction implies an increase in the bank's share in the flow of cross-border foreign trade payments between Russia and Belarus, as well as participation in import substitution programs and an increase in the volume of financing of Belarusian companies by the group;
- financial partner for retail and e-commerce. The goal takes into account a significant increase in the bank's share in servicing retail turnover.
- upper-tier financial targets on the horizon through 2025 suggest earnings growth, delivering high ROE levels and lower CIRs.
Within the framework of digitalization, Sberbank intends to continue the transfer of transactional products to electronic format and the expansion of the range of online services, which, as noted in the credit institution, creates convenience and accelerates the use of banking products for customers.
| | One of the key trends in the market in the medium term is the strengthening of integration processes with the Russian Federation. The highest potential, from the point of view of retail customers, is the increase in penetration into retail trade and the growth of the bank's share in non-cash transactions of customers, the document says. | |
Foreign debt sale despite sanctions
The collection agency AktivBusinessConsult (ABK), which is part of the Sberbank group, assigned its client's debt to a third party in an unfriendly country. This became known at the end of September 2023.
As RBC writes with reference to the head of the department of compulsory collection and bankruptcy of Sberbank Yevgeny Akimov and the director of legal affairs and GR ABK Evgeny Utkina, the sale concerned a debt of 140 million rubles, the right to receive it was transferred at a discount of 67%. The assignment was related to the statute of limitations. The required 10 years almost expired when the bank sold the debt. The management of Sberbank assessed this deal as successful and noted that the assignment of debts could become one of the strategies for working with foreign borrowers. However, each case will require an individual approach.
| | It all depends on each specific case - somewhere it will be possible to wait, somewhere we will sell, somewhere we will spend time ourselves, - said Evgeny Akimov. | |
The publication notes that the assignment has become one of the ways for banks to work under the conditions of sanctions, when they cannot collect debts on their own. Sub-sanction banks are not forbidden to go to the courts, but it is difficult to find foreign lawyers and consultants who would represent their interests. In addition, settlements with creditors under sanctions are banned, and accounts can be blocked.
Sberbank managed to sell foreign debt despite US and EU sanctions. The transaction on the sale of debt by Sberbank is not the only one on the market, but the practice is not yet widespread, said Sergei Sokolov, partner of the Russian-American law firm Marks & Sokolov.
The sanctions themselves do not prohibit sanctioned persons from applying to the courts of jurisdictions that have imposed sanctions for the protection of their rights, including debt collection, but any settlements with creditors under sanctions are still banned, and accounts are blocked in most cases, recalled Yuri Fedyukin, managing partner of Enterprise Legal Solutions.[5]
Launch of the program "Entrepreneur in Biomedicine" together with Sechenov University
Sberbank on July 11, 2023 announced that it would take a comprehensive part in the development and implementation of the master's educational program "Entrepreneur in Biomedicine" at the First Moscow State Medical University named after I.M. Sechenov (Sechenov University). By studying under the program, students will be able to take advantage of expertise, as well as technological solutions of the health and education industries of Sberbank. You can apply for training until July 31, 2023. Read more here.
Concessional lending for EKF
EKF and Sberbank signed an agreement according to which EKF will receive preferential financing in the amount of 200 million rubles for the restoration of the Government of the Russian Federation dated August 16, 2022 No. 1420. The funds received will be directed to the implementation of corrugated pipe production projects, as well as the organization of its own tooling shop for the production of tooling. EKF announced this on March 22, 2023. Read more here.
Departure of Ruslan Westerovsky from the Central Bank of the Russian Federation to Sberbank
At the end of February 2023, Deputy Chairman of the Central Bank RFUSLAN Westerovsky resigned and went to work at Sberbank, in which he took the post of senior vice president, head of the Wealth Management block. Igor Kobzar, who served as the leader of the bloc, will continue his career in Sberbank as vice president, general director of Sberbank Life Insurance. Read more here.
The court ordered Glencore Energy UK to pay Sberbank €117.9 million in debt on oil supplies
At the end of February 2023, the Moscow Arbitration Court decided to recover in favor of Sberbank from the subsidiary of the Swiss oil trader Glencore (Glencore Energy UK Ltd) debt totaling €117.9 million. The trial lasted just over a year. Read more here.
Start of work in Crimea
On January 18, 2023, Sberbank officially announced the start of work in Crimea. The credit institution opened the first ATMs on the peninsula, formed a team there, and offices will begin to open in the first half of 2023. During the year, all the necessary services and services of Sberbank will be deployed, the press service said.
| | The arrival of such a large player as Sberbank will further increase the availability, speed and quality of banking services for the population, will positively affect the financial and investment climate, the development of the economy and social sphere, - wrote the head of the Republic of Crimea Sergey Aksenov in his Telegram channel. | |
The Governor of Sevastopol Mikhail Razvozhaev expressed the hope that the bank's office in Sevastopol will start working in the first half of the year - by January 2023, a place is being selected for him.
On January 18, 2022, analyst Vasily Kutyin noted that Sberbank's decision to work in Crimea is logical, since due to the restriction of working opportunities abroad, the credit institution draws attention to the domestic market. He added that competition in the region will grow, because it is attractive for banks that have fallen under sanctions.
In turn, the head of the Department of Insurance and Economics of the Social Sphere of the Financial University under the Government of the Russian Federation, Alexander Tsyganov, noted that these changes could improve the lives of Crimeans, as they will have the opportunity to use the full range of Sberbank services.
Calls for Sberbank to start work in Crimea have been heard several times since 2014, after the peninsula was annexed to Russia, but Sberbank did not launch offices in new regions due to fears of sanctions - in 2014, the largest Russian bank fell under sectoral sanctions, but not under the most stringent blocking restrictions.[6]
2022
Opening a credit line for Absolute
On December 26, 2022, Sberbank announced the opening of a credit line for 72.9 billion rubles to the 4th quarter of 2026 for the construction of the Luzhniki Collection multifunctional complex. The facility is located in the metropolitan area of Khamovniki, next to the sports and leisure infrastructure of the Luzhniki Park and the embankment of the Moscow River. Read more here.
The number of offices has been reduced to 12.4 thousand
In September 2022, Sberbank reduced 527 offices to 12.4 thousand units. This is the maximum closure of divisions since May 2006. Since the beginning of this year, the number of Sberbank offices has decreased by 868 units.
The collector transferred 21 million rubles to telephone fraudsters
Main article: Telephone fraud
In September 2022, Sberbank collector Sergei Chesnokov gave 21 million rubles to telephone fraudsters, believing that he was being called from the Bank of Russia.
During a telephone conversation, the collector driver was convinced that he urgently needed to violate the protocol and transfer the money to the indicated accounts. Chesnokov transferred 21 million rubles to unknown persons.
The collector's version was not believed: he was detained, a theft case was opened. And a few days later, the words of the collector were confirmed, the swindlers were calculated: under the guise of the Central Bank, 19-year-old Ayrat Karimullin from Kazan and 20-year-old Irina Dick with a friend Gleb Prokinverda from Omsk acted. A fraud case has been opened.
"Sber" installed a fountain in the renovated park of ancient Derbent
In the Nizami Ganjavi Park in Derbent, Sber financed the construction of a light and music fountain complex with a total area of 4715 m2. The object is made in the architectural traditions of Dagestan from local natural stone. Sberbank announced this on July 17, 2022. Read more here.
Sberbank raises salaries for employees amid outflow of IT specialists
On July 1, 2022, Sberbank began raising salaries for employees amid an outflow of IT specialists.
| | We understand that financial stability is important for every person. From July 1, 2022, Sber will increase wages for employees, the increase will average 8.5%. In this difficult period for the banking market, we want the team to feel real care and support, the bank said in a statement quoted by The Bell. | |
According to the source of the publication, in some divisions salaries will increase by up to 20%. The biggest increase is aimed at IT specialists, the bank is trying to stop their outflow, the source said. According to him, after February 24, 2022, when the Russian special operation in Ukraine began, many bank employees went abroad, and it is impossible to work remotely from another country to Sberbank, access to all systems is immediately blocked. Because of this, many quit, and now the bank is trying to attract new employees and retain those who remained, the whistleblower added to The Bell.
As Forbes writes with reference to an employee of the IT division of Sberbank, his rate was raised by 10%, he will receive a new salary from July 2022. According to him, employees with lower salaries were indexed by 15%. At the same time, in December 2021, "Sberbank" has already raised salaries, says the interlocutor of Forbes, for him the increase was 12%.
As of July 1, 2022, Sber stopped disclosing information about reporting and deleted documents from the site for previous years, so there is no data on the payroll fund.
For banks that develop digital services, products and applications, IT departments are key. Earlier, Alfa-Bank announced a supplement to employees' salaries of 15%, and Modulbank announced an increase of 20% at once[7]
Since the beginning of the year, Sberbank has closed 159 branches, other banks in Russia - 511
On June 20, 2022, it became known about a significant reduction in the number of bank branches in Russia. Since the beginning of 2022, a total of 670 offices have been abolished, of which 159 are branches. In Sberbank May 2022, banks closed 137 branches, of which Sberbank accounted for 70 points. More. here
Disconnecting from SWIFT
At the end of May 2022, the countries European Union agreed to disconnect Sberbank from the interbank system for transferring information and making payments SWIFT within the framework of the sixth package of sanctions.
| | This package of sanctions includes other tough measures: desvifting the largest Russian bank - Sberbank, - wrote the head of the European Council Charles Michel on her Twitter blog. | |
Sberbank, commenting on the EU decision to disconnect the credit institution from the international payment system, said that it would not affect the bank's work and international settlements.
| | Sberbank is operating normally. The main restrictions are already in effect. Disconnecting from SWIFT does not change the current situation in international settlements, the state bank said. | |
It also notes that domestic Russian operations do not depend on SWIFT. All calculations in Russia will be carried out in the standard mode.
Nikolai Vavilov, a specialist in the strategic research department of Total Research, said in a conversation with Izvestia that there could be only one problem - companies engaged in both import and export will have to open accounts in other banks, and this will also apply to foreign companies with settlement accounts in Sberbank.
| | As an option, it will be possible to use Gazprombank, which will not fall under the sanctions for sure - the entire gas turnover passes through it, and if this bank begins to have problems due to the EU, the continent will simply be left without heating and electricity, the specialist added. | |
The head of the EC Ursula von der Leyen in mid-April 2022 spoke about the possible disconnection of Sberbank from SWIFT. Then she noted that Sberbank "accounts for 37% of this sector." SWIFT processes more than 40 million messages daily from financial institutions around the world.[8]
Getting accredited as an IT company
On April 25, 2022, the entire Sberbank received accreditation as an IT company. About this with reference to the information in the relevant register, which leads, Ministry of Digital Development of the Russian Federation reported. RBC
Several companies included in Sberbank previously passed state accreditation of an organization operating in the field of information technology, including Sberbank Technologies, Sberbank Real Estate Center, Sberbank Service, Sberbank Factoring, Sberbank - Automated Trading System, Sberbank-Telecom (cellular operator SberMobile) and Sberbank Leasing.
Such accreditation allows IT companies to apply for state support: the ability to pay insurance premiums at reduced rates, income tax benefits, the ability to attract foreign employees to work in Russia in a simplified manner.
A RBC source close to the government explained that of all the benefits that IT companies can apply for, after receiving accreditation, Sberbank IT specialists will be able to count on a deferral from the army.
Yuri Fedyukin, managing partner of the law firm Enterprise Legal Solutions, in a conversation with the publication, noted that Sberbank employees are unlikely to be able to apply for a preferential IT mortgage, since the criterion for issuing it is that at least 90% of the company's income should come from software development and databases.
| | Obviously, the bank cannot answer this requirement simply due to the fact that it is still a bank and its main activity is banking and financial services, the lawyer explained. | |
To obtain state accreditation, the company must carry out activities in the field of IT, provided that it develops and implements programs for electronic computers (computers), databases on material media or in the form of an electronic document through communication channels. The organization must also provide services for the development, adaptation, modification of programs for computers, databases, as well as their installation, testing and maintenance. More than 27.7 thousand companies are listed on the Ministry of Digital Development website in the register of accredited organizations in the field of IT (by May 18, 2022).[9]
The head of the health care department resigned from Sberbank
In early April 2022, Yuri Krestinsky announced his resignation from the post of vice president - head of the health care industry of Sberbank PJSC. He did not disclose the reasons for the dismissal. He only noted that certain features of a large state-owned company created difficulties in management and risks that he would not like to face and which he did not want to share. Read more here.
Hit by blocking US sanctions
On April 6, 2022, the US White House announced the introduction of full blocking sanctions against Sberbank and Alfa Bank. Inclusion in the SDN (Specially Designated Nationals and Blocked Persons) list involves blocking all assets of credit institutions in the United States, introducing a ban on American citizens and companies from conducting any transactions with them.
The White House notes that Sberbank accounts for almost one third of all assets of the Russian banking sector, and Alfa Bank is the largest private financial institution in Russia.
The press service of Sberbank said that the imposed sanctions will not have a significant impact on the work of the bank and will not affect the service of Russians in any way, "since the system has already adapted to the previously introduced restrictions."
| | Sberbank's experience, resources and expertise allow us to work successfully in any conditions. All information about possible changes in the work of the bank and its services can be obtained on our official website, the bank said. | |
Alfa-Bank on April 6, 2022 also announced that it will continue to work:
| | What does it mean? In general, nothing. 8257 sanctions have already been imposed against Russia. Previously, we were afraid of this, but now we are working as usual. | |
Alfa-Bank added that the credit institution accepts and makes payments in rubles, euros and other currencies, with the exception of dollars, and also temporarily suspends settlements with counterparties from the United States.
Sber must complete all transactions by April 13, 2022, Alfa-Bank - by May 6. The subsidiaries of banks, including YuMoney, Sber Technologies, Sber Investments, Alfa Direct and others, also fell under full blocking sanctions. Earlier, VTB fell under blocking US sanctions.
On April 6, 2022 Britain , she also announced the freezing of Sberbank assets.[10]
Start of issuing electronic signature certificates to individual entrepreneurs and legal entities
On March 1, 2022, Sberbank began issuing electronic signature certificates to individual entrepreneurs and legal entities, including those that are not clients of Sberbank. The website contains an up-to-date list of bank divisions providing such a service. This list is constantly expanding.
{{quote 'author=said Alexey Shashkin, director of Sberbank's Maly and Microbusiness division. |
Sberbank is identified as a trustee of the certification center of the Federal Tax Service of Russia and issues an electronic signature on behalf of the Federal Tax Service of Russia to individual entrepreneurs and legal entities, regardless of whether they are clients of Sberbank or not. This signature is suitable for any services and portals where you can use a qualified electronic signature,}}
980 million rubles. For "Cheri Cars Rus"
Sberbank on January 26, 2022 announced a financing deal in the amount of 980 million rubles with the Russian distributor of the Chinese automobile company CHERY. Read more here.
Credit line for Granel for 8.69 billion rubles
Sberbank opened a credit line for 8.69 billion rubles to the Granel group of companies until September 2025 for the construction of three buildings of the Pekhra residential complex in Balashikha. The facility is located in the northern part of the city. Sberbank announced this on January 10, 2022. Read more here.
2021
For the third year in a row, Sberbank ranks third in the ranking of the 150 largest acquirers on the planet with a share of 9.1%
For the third year in a row, Russian Sberbank ranked third in the ranking of the 150 largest acquirers on the planet, according to The Nilson Report. So, at the end of 2021, Sberbank managed to process almost 38 billion transactions, in 2020 - 30.3 billion, and in 2019 - 20.6 billion. Over the year, the bank's share in the global volume of transactions increased from 8.6% to 9.1%.
25,750 educational loans were issued for a total of 3.25 billion rubles
SberBank on January 27, 2022 announced that it had issued preferential educational loans worth 9.5 billion rubles.
The portfolio of educational loans with state support issued by SberBank reached 9.5 billion rubles. In 2021 alone, the bank issued 25,750 such loans totaling 3.25 billion rubles.
Most often, a loan is taken for training at the Higher School of Economics (6.9% of all applications), RANEPA under the President of the Russian Federation (5.1%), Moscow State University. Lomonosov (3.4%), Russian Peoples' Friendship University (3.2%) and St. Petersburg State University (2.2%). In total, under the program "Loan for education with state support" for January 2022, SberBank works with 628 universities, the number of which is constantly increasing.
The most popular specialties for which a loan is issued for training are jurisprudence (10% of all applications), economics (7.9%), management (6.9%), medical care (4.7%) and linguistics (2.8%).
{{quote 'author=said Vyacheslav Tsybulnikov, Vice President of Sberbank - Chairman of Moscow Bank. |
In 2021, students of the capital's universities received in Sberbank more than 7.8 thousand educational loans with state support in the amount of over 2.3 billion rubles. It is important that a resident of any Russian region can receive an educational loan with state support in Moscow without any additional documents and requirements,}}
Шаблон:Quote 'author=noted Sergey Shirokov, director of the "Borrow and Save" division of Sberbank.
At the end of August 2020, in accordance with Decree of the Government of the Russian Federation of August 19, 2020 No. 1256 and in pursuance of the order of the President of the Russian Federation of June 10, 2020, Sberbank reduced the rate on loans for education with state support from 8.5% to 3%. Any university student with a state license can apply for such a loan without guarantors, compulsory insurance and collateral. Repayment of the loan provides for a grace period for the entire period of study plus nine months, during which the student may not repay the main debt, but only interest on the loan: 40% - in the first year, 60% - in the second and in full - from the third year. The maximum term on the loan is the term of training plus 15 years and 9 months, if desired, you can repay the loan ahead of schedule. Increasing the grace period gives the graduate time to find a job, go through probation and start repaying the loan on their own.
Creation of a closed venture club "Syndicate"
Sberbank, Moscow Innovation Cluster and AngelsDeck organize a closed club "Syndicate." The goal of creating the club is to increase the number of transactions through collective financing to early technological startups, Sberbank reported on December 16, 2021. You can apply for membership in the club on the online platform SberUnity and the digital platform i.Moscow. Read more here.
MTS took a loan of 30 billion rubles from Sberbank
On July 16, 2021, MTS announced a loan from Sberbank in the amount of 30 billion rubles. It was attracted within the framework of a revolving credit line opened by a telecommunications operator in a state bank in May 2018 with a total limit of 150 billion rubles. After the new transaction, the total volume of existing MTS loans attracted from Sberbank will amount to 115 billion rubles. Read more here.
Creation of a joint venture with Rostelecom for the development of the Unified Biometric System
On April 7, 2021, it was announced the creation of Digital Identification Technologies LLC, a joint venture between Sberbank and Rostelecom, which will develop identification technologies, including biometric ones. Read more here.
Financing 400 million rubles for the purchase of urban electric scooters
Sberbank will fund the acquisition electroscooters of 17,500 for the summer season. This was announced on March 17, 2021. As Moscow Bank of Sberbank of Russia part of the development To Moscow transport of the Mobility as a Service (MaaS or Mobility as a Service) concept, Sberbank opened financing companies CONTROL LEASING worth 400 million to rubles purchase urban electric scooters. More. here
Agreement with Solar Systems to expand cooperation in the field of renewable electricity sources
Sberbank and Solar Systems on February 18, 2021 announced that they had signed an agreement to expand the strategic partnership. Within the framework of the signed memorandum, it is planned to expand cooperation in the field of renewable sources of electricity (RES): financing the construction of retail projects for solar power plants, programs for the modernization of production facilities, the acquisition and construction of foreign projects, as well as the joint implementation of projects in the development of RES following competitive selection in 2021. Read more here.
2020
Sberbank assets grew by 15% and reached 38 trillion rubles
By the end of 2021, Sberbank's assets reached 38 trillion rubles, an increase of 15% excluding foreign exchange valuation. The credit institution announced the results of the year in mid-January 2022.
Sberbank at the end of 2021 increased its net profit under RAS by 1.7 times compared to 2020, to 1.24 trillion rubles. The figure exceeded 1 trillion rubles.
Sber issued loans to corporate customers for 14.4 trillion rubles in 2021. Citizens borrowed 5.9 trillion rubles from the bank, which is 1.4 times more than in 2020. State and own preferential programs have significantly increased the availability of mortgages for the population and contributed to a record growth in the mortgage portfolio by 29%, said Alexander Buriko, financial director of Sberbank.
Citizens' funds in 2021 increased by 9.1% excluding currency revaluation and exceeded 17.1 trillion rubles. According to the results of the year, the funds of legal entities increased by 15.2% and reached 9 trillion rubles. In total, customer funds for the year increased by 2.6 trillion rubles and exceeded 26 trillion rubles.
Operating expenses of Sberbank in 2021 amounted to 706.2 billion rubles, which is 8.8% more than in 2020. Sberbank noted that this growth is comparable to the level of annual inflation in Russia.
Expenses on reserves and revaluation of loans assessed at fair value for 2021 amounted to 111.6 billion rubles, which is 5.5 times less than expenses in 2020, when significant reserves were due to the deterioration of the macroeconomic situation due to the COVID-19 coronavirus pandemic.
Total capital grew by 1.62% to 5.15 trillion rubles, mainly due to earned net profit.
The swelling also notes that the number of active subscribers of SberPrime has grown more than 10 times to 4.25 million.[11]
MTS received a loan of 15 billion rubles from Sberbank
On October 26, 2020, MTS announced that it had received a loan in the amount of 15 billion rubles from Sberbank. The Russian mobile and fixed-line operator intends to spend these funds for corporate purposes under a revolving credit line opened by the company in Sberbank in May 2018. Read more here.
Without armored glass and cash registers. Sberbank moves to new offices
At the SberConf conference on the transformation of Sberbank, held on September 24, 2020, the credit institution presented a new format of offices.
New areas for customers and children's rooms will appear in the departments. There will be no armored glass and cash desks, and all issues can be resolved at a round table with a manager over a cup of coffee, said the first deputy chairman of the bank's board, Alexander Vedyakhin. He also noted that it is planned to use a biometric system that will recognize bank clients by face and conduct operations without presenting a passport.
Talking about the new format of offices, Vedyakhin noted that customers will also have the opportunity to buy coffee beans, after which they will be delivered to their homes.
Soviet and Russian actor Mikhail Boyarsky took part in the presentation of the new office. At first, Vedyakhin said that he was a longtime fan of Boyarsky, and he replied that he had been going to Sberbank for so long that he even called him Sberbank.
The presentation was also attended by Boyarsky's daughter, actress Elizaveta Boyarskaya. Vedyakhin showed her new Sberbank ATMs, with which it will be possible, for example, to call a taxi or order a movie ticket. ATMs in new Sberbank branches will understand voice commands and recognize the client by biometrics.
| | This is a completely new ATM from and to..., - said Vedyakhin. | |
According to him, in this ATM, money can be withdrawn without a card, using either the phone or the device "recognizes" the client: that is, it will be able to identify his face.
On September 24, 2020, the head of Sberbank German Gref officially presented the Sber logo. Some elements from the past logo remained in the trademark: a tick as a symbol of the company's determination and green. The bank's team is working to get rid of the routine, Gref said. One of the main tasks of the company is to save customer time.[12]
Rebranding
On September 21, 2020, it became known about the rebranding of Sberbank. The largest credit institution in Russia has changed its logo - there will be no word "bank" in the new one, only the word "SBERBANK" and an unfinished circle with a gradient of blue, yellow and green colors framing the tick inside it will appear there.
According to RIA Novosti, the old emblem of the bank has already been removed from its head office on Vavilov Street in Moscow. Sberbank will present a new logo on September 24, 2020. On this day, a conference "on the largest transformation of Sberbank in history" will be held, where new services and products for customers will also be shown.
According to the agency, the word "bank" will be removed from the name of most companies in the Sberbank ecosystem. Thus, the leasing company is now called SberLeasing. In this case, each will have its own color in the logo. The cost of rebranding can be at least $300 million, says Sergey Grishunin, senior manager of the risk management department at Deloitte CIS.
For several years, Sberbank has grown from a credit institution into a vast ecosystem with many companies from different industries, including medicine, auto, education, etc. Thus, having become a technology company, he began to need rebranding, said earlier the head of Sberbank German Gref. At the same time, the financial part of the company will retain the existing brand, RIA Novosti points out.
The logo under which Sberbank worked earlier appeared ten years ago and is a light green circle with jackdaws shifted to the left, and the name "Sberbank" stands nearby.
The application with the image of a new trademark without mentioning the bank in the logo is registered in Rospatent. It was filed back in May 2019, and registered in June 2020. The exclusive right to use this trademark is granted to the bank by the end of May 2029.[13]
Resignation from the Service Manager position
On August 20, 2020, it became known that Sberbank was getting rid of managers solving customer problems in the halls of branches. We are talking about the position of service manager, which the state bank decided to abolish.
A knowledgeable source told Банки.ру about the refusal of employees who worked in the largest branches of Sberbank and served as an assistant to the head of the office to solve customer problems. The press service of the bank confirmed this information to the publication and explained that due to the solution of the main technological problems, the load on service managers has decreased, and office managers have freed up time to work with clients, so the need for this position has disappeared. The functions of these employees will be redistributed between existing office managers and service managers.
| | Technological changes and the transition to a new service model for customer service, when every employee of the department and his direct manager can solve client problems, in our opinion, will only improve the quality of customer service in our offices, the credit institution said in a statement. | |
Sberbank did not disclose how many people fell under the reduction. The service manager was in every 15th office of the bank.
Dismissed employees will be offered other vacancies in Sberbank and its subsidiaries. In addition, those who fall under the reduction will be able to take advantage of retraining programs and receive financial support when switching to positions in other cities.
Service managers had to solve difficult and conflict situations that the employees of the first and second lines could not solve. They also monitored errors and trained staff and were responsible for the bank's customer satisfaction and loyalty indices (CSI and NPS).[14]
State paint for 4,700
For six months, the number of Sberbank personnel decreased by more than 4.7 thousand people. This is stated in the statements of the credit institution under IFRS.
| | The actual number of group employees (full staff) as of June 30, 2020 amounted to 276,598 people (December 31, 2019: 281,338 people), the document says. | |
It follows from it that in the second quarter of 2020 the staff of the Sberbank group is 1976 people. By the end of March, 278,574 employees worked in the state bank.
As Sberbank explained earlier, the bank is optimizing the number of employees, within the framework of which vacant positions are reduced, employees retire and new ones are not accepted in their place.
The head of Sberbank, German Gref, allowed a reduction in the number of bank personnel by 2025 to about 165 thousand people. The number of employees began to decrease after the development of a diversified financial "ecosystem" began, which extends far beyond banking services. The transformations also affected work processes: it is planned to transfer various banking services online, automate work, close physical branches and, as a result, reduce staff. According to Gref's forecasts, by 2025, Sberbank will conduct all operations with individuals through digital channels.
After the start of the COVID-19 coronavirus pandemic, Sberbank said it did not plan to lay off employees in 2020, but suspended hiring with the exception of a number of specialties. In particular, the bank began to increase the number of specialists who are engaged in the development of new areas of business, science and research in laboratories.
From September 1, 2020, Sberbank will switch to a new format, in which up to 30% of employees will work remotely, regardless of the epidemiological situation.Interim Condensed Consolidated Financial Statements of Sberbank dated June 30, 2020
Sberbank created a company to manage closed unit investment funds
On July 13, 2020, Sberbank announced the creation of a specialized company to manage closed mutual investment funds (ZPIF). Previously, Sberbank Aktivs Management was engaged in this in the group. Read more here.
Sberbank reduces salaries for managers in order to save 82 billion rubles
On June 29, 2020, it became known about the decision of Sberbank to reduce the salaries of managers in order to save 82 billion rubles. German Gref, President and Chairman of the Bank's Board, spoke about this in an interview with TASS.
| | Due to the sharp drop in revenues, there was a tough choice of whether to cut staff. We made a program to reduce expenses first by 40 billion, then realized that it was not enough, and brought it to the figure of about 82 billion rubles, - he said. | |
According to the head of Sberbank, the salaries of ordinary personnel remained the same, as well as the bonus ratios, but the salaries of the entire management were reduced.
The financial organization managed to avoid staff cuts, according to Gref's statement, by suspending the recruitment of new personnel. The head of Sberbank noted that there were no layoffs of employees, but the reception of new employees had to be temporarily stopped.
| | We did not cut staff. True, the annual planned recruitment was closed. If people left, it was a natural decline. Almost no new employees were taken, only in case of emergency. And only with my permission or the board. This remains the case to this day. But, I repeat, we did not fire a single person, - he said. | |
Gref also touched upon the topic of work of departments during the COVID-19 coronavirus pandemic. Sberbank, due to the infection of employees with a new coronavirus infection during the entire pandemic, was forced to temporarily close more than 200 branches throughout the country.
Three days after the announcement of non-working days in the country, Sberbank opened at 30% of the usual number. But the branches could not cope with the flow of customers, and they had to bring the number of employees to 90%, Gref says, adding that no massive outbreak of infections was registered among the bank's staff.[15]
Opening of a specialized mini-office for entrepreneurs on the territory of the Food City agricultural cluster
A project of Sberbank and the Kievskaya Ploshchad group of companies has started in Moscow, within the framework of which a specialized division of the bank for working with representatives of small businesses has opened on the territory of the capital's FOOD CITY agricultural cluster . Sberbank announced this on June 18, 2020.
The goal of the project is to make it as easy as possible for tenants to receive banking services trade. In addition, Sberbank plans to improve the financial literacy of entrepreneurs by providing training on the optimal products of the bank and measures to support business from outside. states
Vyacheslav Tsybulnikov, Vice President of Sberbank PJSC - Chairman of the Moscow Bank:
{{quote 'Sberbank together with its partners - large companies creates the most comfortable environment for the capital's entrepreneurs and for all Muscovites who use the services of small and medium-sized businesses every day. Our primary task is to help to economy Moscow recover as soon as possible and provide the necessary jobs for residents and guests of the capital. }}
God Nisanov, Chairman of the Board of Directors of the Kievskaya Ploshchad Group of Companies:
| | The creation of a modern business ecosystem at the facilities is an important task of the Kievskaya Ploshchad group of companies. We always try to create favorable conditions for our tenants. The opening of a specialized mini-office of Sberbank on the territory of the FOOD CITY agricultural cluster is not only a matter of convenience and opportunities, but also a significant contribution to the development of small businesses that directly affect the quality of life of citizens. | |
After opening Sberbank's office directly on the territory of the agricultural cluster, tenants in need of additional funding can seek support from the bank's manager at any time. You don't have to go anywhere to do that. In addition, the possibility of registering legal entities, opening settlement accounts, and connecting salary projects will be implemented at this site. Also, entrepreneurs will be offered products of the Sberbank ecosystem, including telemedicine services from DocDoc and an online counterparty verification service.
Market visitors will also become much more comfortable as entrepreneurs introduce remote payment methods. Along with classic acquiring, Sberbank offers to organize payment using a QR code. This will allow sellers and buyers to completely eliminate cash contacts.
Creating a drugmaker
In mid-May 2020, it became known about the creation by Sberbank of a new company - Immunotechnologies LLC - with an authorized capital of 50 million rubles. It was headed by Dmitry Efimov, former general director of Nizhfarma and senior vice president of Stada CIS. Read more here.
The State Duma forgave Sberbank a state loan for 150 billion rubles
Sberbank of Russia and the state corporation Vnesheconombank will have the right not to return 500 billion rubles on obligations to the treasury of the Russian Federation. The State Duma approved the corresponding law in the third and final reading at a plenary meeting in May 2020. We are talking about a subordinated loan that the Central Bank issued to Sberbank in 2008, and a deposit that it also placed in VEB. The amount of the first - 150 billion rubles, the second - 350.45 billion rubles.
The right to claim these obligations passed to the Government of the Russian Federation as part of the transaction to buy a controlling stake in Sberbank from the Central Bank. The law adopted by the State Duma allows state banks not to consider these funds a debt and include in their own funds, that is, capital.
The law was initiated by a group of deputies and members of the Federation Council, headed by the chairman of the Duma committee on the financial market Anatoly Aksakov.
Its goal is "to support system-forming institutions," TASS quotes an explanatory note to the document. This norm will facilitate Sberbank's compliance with the standards "in conditions of volatility in financial markets," and VEB will increase lending by 3 trillion rubles, the authors of the law argue.
In the case of Sberbank, 150 billion rubles of additional capital make it possible to issue 1.5 trillion rubles of additional loans, Aksakov himself explained. "If this amount is excluded from the capital of Sberbank, for this amount it will not be able to issue loans and provide other types of financial services to its clients," the deputy added.
Launch of mortgage registration at home
In mid-April 2020, Sberbank organized a mortgage loan at home. Masked Sberbank employees come to the client's home to issue an enhanced electronic digital signature, sign credit documents and send documents for registration of the transfer of property rights in electronic form. The rest of the questions on the choice and registration of housing can be solved online on the DomClick website. Read more here.
The Ministry of Finance bought a 50% stake in Sberbank from the Central Bank for 2.14 trillion rubles
On April 9, 2020, a deal was held to buy out a stake in Sberbank from the Bank of Russia by the Ministry of Finance of Russia. This was told by the Izvestia newspaper, citing a source. The deal amounted to 2.14 trillion rubles, which is 300 billion less than originally planned. This is due to the fact that Sberbank's securities have fallen in price on the Moscow Exchange.
Since the announcement of the deal on February 11, the shares of the state monopoly have collapsed by 20%.
In February, the Ministry of Finance intended to stretch the deal into several tranches. But in the end, it was decided to close the deal immediately. In addition, no one can predict how the situation will develop during the year, - said the source of Izvestia.
The acquisition of Sberbank was financed by the National Welfare Fund (NWF). It was assumed that liquid funds of the fund exceeding the threshold of 7% of GDP will be sent to the purchase of shares of the state bank, Finance Minister Anton Siluanov explained earlier.
The Central Bank owned a controlling stake in Sberbank in the amount of 50% plus one share of the authorized capital, which corresponds to 52.32% of ordinary shares. According to the results of trading on the Moscow Exchange on April 9, the capitalization of Sberbank amounted to 4.4 trillion rubles, that is, the Central Bank's share in the market cost about 2.3 trillion rubles.
Former head of the Ministry of Health engaged in the development of medical products of Sberbank
On February 4, 2020, Sberbank announced the appointment of David Melika-Huseynov as Chief Executive Officer for the Healthcare Industry and Director of the Center for Medical Products and Services. In this position, he will be responsible for the medical projects of the state bank. Read more here.
2019
Sberbank asks customers to explain revenues from cryptocurrencies
In mid-May 2019, it became known about the requirements of Sberbank to explain the income that customers receive from cryptocurrencies. Read more here.
Antipinsky Refinery Debt Restructuring Proposal
On April 30, 2019, it became known that Sberbank, managing the main asset of the New StreamAntipinsky Refinery group, wants to convince other creditors of the need to restructure the debt of the Antipinsky Refinery and allocate additional financing. Otherwise, the plant, which was practically stopped at the end of April 2019, faces bankruptcy. Despite the allocation of additional financing at the end of 2018, Sberbank failed to receive a sufficient amount of advances from traders to fully load the plant with raw materials. In addition, the fate of the plant will be affected by the outcome of negotiations with Azerbaijani SOCAR, which expressed its intention to purchase it. Read more here.
Agreement with GE Healthcare for Medical Equipment Leasing Cooperation
On February 4, 2019, Sberbank, Sberbank Leasing and GE Healthcare entered into a cooperation agreement in the field of leasing medical equipment. As stated in the statement of Sberbank, the purpose of the agreement is to provide favorable conditions for the purchase of high-tech medical equipment for public and private medical and preventive institutions, which is expected to contribute to the development and modernization of healthcare in Russia.
| | The development of the health care system is one of the priorities for our country, and Sberbank is ready to participate in its solution. We are pleased that the leasing tools offered by the Sberbank Group will help to update the fund of medical equipment designed for the diagnosis and treatment of diseases, including cardiovascular and oncological. | |
It is assumed that trilateral cooperation will help increase the performance indicators of regional health systems. As part of the collaboration, GE Healthcare will be responsible for the delivery of a wide range of high-tech diagnostic equipment and digital solutions, as well as its full service support - equipment repair and supply of spare parts. In addition, leasing programs will allow the regions to offer comprehensive solutions for creating centers of expertise for the early diagnosis of oncological, cardiological and other socially significant diseases, noted in Sberbank.
| | Cooperation with GE Healthcare, a manufacturer of medical diagnostic equipment, will allow institutions to purchase equipment on favorable and comfortable conditions. Thanks to the supply of modern equipment and ensuring its uninterrupted operation, diagnostics, the quality of medical services and rehabilitation will be improved, Vyacheslav Spirov, General Director of Sberbank Leasing JSC, is convinced. | |
| | GE Healthcare has been implementing comprehensive projects for many years in healthcare facilities of various levels. Such projects require modern solutions in the field of medical technology, a flexible approach to maintaining the technical base and a great focus on training medical personnel. One of the new, inseparable elements for the successful implementation of medical projects was the introduction of new financial instruments. We see great potential in the development of this area and are pleased with the possibility of cooperation with PJSC Sberbank and JSC Sberbank Leasing. We are confident that this agreement will contribute to improving the availability of modern diagnostics and quality medical care for thousands of patients in all regions of the country, "said Nina Kandelaki, President and CEO of GE Healthcare in Russia/CIS. | |
Establishment of the Laboratory of Neuroscience and Human Behavior
Sberbank decided to create a Laboratory of Neurosciences and Human Behavior. As representatives of Sberbank told TAdviser on February 11, 2019, the laboratory will conduct scientific research in the field of neurophysiology, social psychology and cognitive studies and introduce the results of scientific developments into the daily practice of Sberbank Group companies.
The newly created laboratory will be based in two cities - St. Petersburg and Moscow. And its supervisor was appointed Andrei Kurpatov, president of the Higher School of Methodology, a well-known scientist, author of more than a hundred scientific papers, creator of systemic behavioral psychotherapy and methodology of thinking.
As Lev Khasis, First Deputy Chairman of the Management Board of Sberbank, specified, the main task of the laboratory is to achieve full relevance of communications and products of the Sberbank ecosystem to human needs.
| | Thanks to the development of the laboratory, we want to form an emotional connection with everyone who comes into contact with the products of our ecosystem, and we regard this connection as the basis of our competitiveness. Andrey Kurpatov combines the competencies of a person from business and science, having experience in managing complex media projects and large research. We welcome him to the Sberbank team and are confident that we will be able to build a scientific laboratory with a significant practical effect for our business, - said Lev Khasis. | |
Loss of 10 positions in the ranking of the most expensive brands
In January 2019, Brand Finance, a consultancy, published an annual ranking of the most expensive brands in the world. Sberbank lost 10 positions and is located in 139th place in the rating (in 2018, the bank occupied 129th position) with a brand valuation of $12.4 billion, which is 6.3% more than in 2018. This is the highest result among Russian companies. Read more here.
2018
Integration of Corporate Business and Sberbank CIB Blocks
On August 22, 2018, Sberbank announced its decision to integrate the Corporate Business and Corporate Investment Business (Sberbank CIB) units working with corporate clients. Integration is scheduled to be completed by the end of 2018. According to the bank's expectations, this will make it possible to form a single technological, management and product platform for working with clients, to obtain a significant synergistic effect for further optimization of work with clients of the corporate sector. Read more here.
Opening of Europe's largest Trading floor
At the end of January 2018, Sberbank announced the opening of the largest trading floor in Europe . He is located in the head building of a credit institution.
Trading floor is the hall in which traders conduct trading deals. Such sites can most often be found on exchanges. With the advent of electronic platforms, many large Trading floors in the stock market began to disappear. At Trading Floor, traders and brokers surrounded by computers buy and sell shares for various customers over the phone or over the Internet. Such trading platforms can be found in brokerage companies, investment banks and other organizations involved in trading.
According to Sberbank, the area of the new Trading floor has exceeded 4 thousand square meters, more than 400 jobs have been created there and one of the largest LED screens in the world with such a high resolution (pixel pitch - 1.2 mm) is provided.
On the third floor of Sberbank's main building are sales, trading, structural products and electronic markets. On the fourth floor are investment banking, analytical management, business management and development management.
At each workplace of the trader and sale, it is possible to install up to 8 personal computers and up to 12 monitors. Trading is equipped with two LED screens located around the perimeter of the atrium.
| | Global markets have always been one of the most high-tech businesses, and Sberbank has always set a trend in this, "says Sberbank Vice President, Head of Global Markets at Sberbank CIBANDREY Shemetov. - Our new Trading floor is one of the most modern international platforms, which allows us to provide our customers with the highest level of service as quickly as possible. | |
2017
Sberbank closed about 700 branches
In 2017, Sberbank closed 704 banking branches. This is stated in the bank's report on RAS for 2017. So, as of January 1, 2017, Sberbank had 15,016 banking branches, as of January 1, 2018 - 14,312 branches.
Sberbank will begin to provide services to the MPSC
From 2019, the branches of Sberbank of Russia will begin to perform the functions of multifunctional centers of public services (MPSC), said in September 2017 at the Eastern Economic Forum, Vice President of the Bank Andrei Sharov. "The bank employee will act as an MPSC employee. This means that you can get a passport or driver's license from a bank, register an apartment, "TASS quotes Sharova .
Sberbank sued Ulmart 1.2 billion rubles.
In early July 2017, Sberbank Factoring (a subsidiary of Sberbank) won a lawsuit in the Moscow Arbitration Court against NAO Ulmart (one of the structures of the Ulmart online store) to recover debts in the amount of 780 million rubles, Interfax reports. This amount includes the main debt of 706 million rubles. and penalties. In addition, earlier the Moscow Arbitration Court satisfied another claim of Sberbank Factoring against NAO Ulmart - for 440 million rubles. Thus, Sberbank has currently sued 1.2 billion rubles from Ulmart.[16]. Read more about this here.
Sberbank will reduce 200 offices for legal entities
Sberbank in 2017 will reduce 200 offices for legal entities. After that, 600 branches will remain on the market. This was announced by Senior Vice President of Sberbank Anatoly Popov.
"Thenetwork of our branches is being reformed: if we had 2.5 thousand offices for legal entities three years ago, now there are 800 of them left, this year we will reduce another 200, but at the same time we leave the opportunity for physical service in offices for individuals in case something happens to the Internet bank," Popov said.
The reduction process is associated with the transition to digital service channels for legal entities. The number of customers using digital channels in 2016 increased from 1.169 to 1.412 million legal entities.
2015: Strategy to 2018
"Our vision of Sberbank in 2018 was formed on the basis of five main areas of development or strategic topics. We believe that it is focused work in these areas that will lead us to success, will achieve all the financial and quality goals that we set ourselves for the period until the end of 2018, "the Sberbank website said in 2015.
These five directions are as follows (quote from the bank's website):
- with a client - for life: we will build very deep trusting relationships with our clients, become useful, sometimes invisible and an integral part of their life. Our goal is to exceed the expectations of our customers;
- team and culture: we strive to ensure that our employees and Sberbank's corporate culture become one of the main sources of our competitive advantage;
- technological breakthrough: we will complete the technological modernization of the Bank and learn how to integrate all the most modern technologies and innovations into our business.
- financial performance: We will increase the financial return of our business by better managing costs and risk-to-return ratio;
- mature organization: we will form organizational and management skills, create processes that correspond to the scale of Sberbank Group and our level of ambition.
2009
2009 was the starting point in the large-scale deployment and implementation of Sberbank's Development Strategy until 2014. A parallel but important task for the bank was to help society solve the problems caused by the global financial crisis and stabilize their financial situation.
2008: Strategy to 2014 adopted
On October 21, 2008, the Supervisory Board of Sberbank of Russia unanimously approved Sberbank's Development Strategy until 2014.
The main directions of transformation:
- Maximum focus on the client and the transformation of Sberbank into a "service" company for servicing individual and corporate clients
- Technological update of the Bank and "industrialization" of systems and processes
- Significant improvement of the Bank's operational efficiency based on the most modern technologies, management methods, optimization and rationalization of activities in all areas due to the implementation of the Sberbank Production System developed on the basis of Lean technologies
- Development of operations in international markets, primarily in CIS countries
2001: Start of cooperation with the Olympic Committee
In 2001, cooperation between Sberbank and the Olympic Committee began. The country's main bank supported Russian athletes at the games in Salt Lake City (2002), Athens (2004) and Turin (2006).
1995: Established Sberbank Non-State Pension Fund
In 1995, the Sberbank Non-State Pension Fund was established.
1993: First ATMs
In 1993, the first ATMs began to function in the Moscow branches of Sberbank.
Soviet period
The beginning of the 20th century was marked for Russia by violent and large-scale shocks: World War I, Revolution, Civil War. However, none of these events could slow down the active and sustainable development of Sberbank.
In times of crisis for the country, Sberbank was able to keep the investments of its depositors, declaring them inviolable. But not without negative consequences - commercial secrecy, in fact, was abolished: the government issued a decree obliging savings banks to provide state authorities with information about the state of any depositor's account.
The new economic policy of Russia also entailed serious changes in the banking structure: savings banks began to make money transfers, issue their own loan certificates, and carried out operations with interest and securities.
The most important activity of Sberbank in 1941-1945 and subsequent years is cooperation with the state in the field of nuclear and nuclear industry. Sberbank's assistance in attracting funds and financing developments made it possible to become Russia a leader in the production and processing of nuclear fuel.
Despite the complexity of the first post-war years, starting in the 50s, Sberbank continued its sustainable development. Over 30 years, the number of savings banks has doubled (from 40 thousand to 79 thousand), the number of bank customers has increased 12 times, and the amount of their deposits has shown record growth topics, increasing 100 times.
Sberbank actively participated in the restoration of the country's infrastructure destroyed by the war - roads and highways of federal significance were rebuilt and repaired. Today, Sberbank, preserving traditions, continues to develop road construction programs in Russia.
In 1987, as part of the perestroika reforms, savings banks were reorganized into the Savings Bank of the USSR - so the financial institution familiar to us received a name known throughout the world. Already in 1989, the first Sberbank ATM began operating and in the same year the bank became a member of the World Institute of Savings Banks.
1991 was marked by the collapse of the USSR, but Sberbank retained its functions and remained the only bank in the entire former post-union space that continued to operate.
In 1991, the General Meeting of Shareholders established the Joint Stock Commercial Savings Bank of the Russian Federation.
1895: Number of checkouts reaches 3,875
The heyday of banking in Russia occurred in 1865-1895. During this period, the number of savings banks throughout the country increased from 47 to 3875, and the number of issued savings books exceeded 2 million.
19th Century Passbook
June 1, 1895 was a turning point in the history of the Russian banking sector. It was on this day that the new Charter of Savings Banks was adopted, which guaranteed everyone the preservation of his commercial secrets. In addition, a variety appeared in the types of deposits: it was possible to open a savings account for a child or for burial.
1841: Nicholas I establishes savings banks
In 1841, the Emperor of Russia Nicholas I, by his decree, ordered the establishment of savings banks at the Moscow and St. Petersburg treasury - it was this year that marked the emergence of Sberbank.
The very first client of the first bank of the country was court adviser Nikolai Antonovich Christofari, to his account he contributed an impressive amount of 10 rubles at that time and became the owner of a savings book number 1.
Notes
- ↑ The total remuneration of more than 600 Sberbank managers in 2023 amounted to 28 billion rubles.
- ↑ Gref called Sberbank the largest employer in Crimea
- ↑ Case No. A40-308861/23-61-2393.
- ↑ FTS temporarily disconnected several banks from the business registration service
- ↑ Collectors of "Sberbank" began to sell "foreign" debts under the conditions of sanctions
- ↑ Sberbank began work in Crimea
- ↑ Sberbank will keep IT specialists with salaries
- ↑ Sberbank commented on the decision of the European Union to disconnect the bank from SWIFT
- ↑ Sberbank received the status of an IT company
- ↑ FACT SHEET: United States, G7 and EU Impose Severe and Immediate Costs on Russia
- ↑ Financial results of Sberbank in 2021 excluding events after the reporting date under Russian accounting rules (unconsolidated data)
- ↑ "Sberbank" presented new ATMs
- ↑ Sberbank changed the logo
- ↑ Sberbank reduces managers to solve customer problems in branches
- ↑ Sberbank plans to save 82 billion rubles by reducing salaries to managers
- ↑ Sberbank sued Ulmart 1.2 billion
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