The current Sberbank has almost nothing left to remind us of the savings offices, in the form of which the Bank functioned for such a long period of time. What really amazes is that Sberbank is barely recognisable from itself of just 10 years ago!
The ability to change and move forward means that Sberbank is currently in an excellent condition. Being the oldest and the largest Russian bank does not stop Sberbank from competing openly and in good faith with other banking market players, keeping its finger on the pulse of financial and technological changes. Sberbank not only keeps up with modern market trends, but even remains ahead of them, confidently knowing its way around drastically changing technologies and customer preferences.
Leader of the Banking Industry
Sberbank today is the circulatory system of the Russian economy, accounting for one third of its banking system. The Bank provides employment and a source of income for every 150th Russian family.
The leader of Russian banking industry accounts for 29.7% of aggregate banking assets (as of August 1, 2014).
The Bank is the key lender to the Russian economy and the biggest receiver of deposits in Russia: 46.4% of retail deposits, 34.7% of retail loans and 33.9% of loans to corporate customers account for Sberbank as of August 1, 2014.
Sberbank today is 16 territorial banks and over 17 thousand branches throughout the country in all 83 constituent entities of the Russian Federation located across 11 time zones.
Sberbank services over 110 million customers in Russia alone – more than one half of the Russian population – and over 11 million people enjoy Sberbank's services abroad.
Sberbank offers the widest selection of banking services for retail customers: from traditional deposits and various types of loans to bank cards, money transfers, bank insurance and brokerage services.
All retail loans are underwritten by Sberbank through the Credit Factory system, designed for effective assessment of credit risks and ensuring the high quality of the credit portfolio.
In its pursuit of even more convenient, modern and processable service, Sberbank is continually improving the opportunities of customers to control their accounts remotely. The Bank has established a system of remote service channels which comprises:
- Оnline banking Sberbank Online (over 13 million active users)
- Smartphone application Sberbank Online (over 1 million active users)
- SMS service Mobile Bank (over 17 million active users)
- One of the largest networks of ATMs and self-service terminals in the world (over 90 thousand terminals)
Sberbank is the largest issuer of debit and credit cards. Through a joint bank with BNP Paribas, Sberbank operates as a POS-lender under the Cetelem brand using the 'responsible lending' concept.
Over 1 million enterprises (out of 4.5 million legal entities registered in Russia) are customers of Sberbank. The Bank services all groups of corporate customers, small and medium businesses accounting for 20% of the Bank's corporate credit portfolio. The remaining portion is attributed to crediting large and major corporate customers.
Sberbank today is a team of over 260 thousand qualified professionals who work to turn the Bank into the best service company with world class products and services.
Sberbank today is a powerful modern bank which is rapidly becoming one of the major global financial institutions. Over recent years, Sberbank has significantly expanded its international presence. In addition to CIS countries (Kazakhstan, Ukraine and Belarus), Sberbank is present in nine countries of Central and Eastern Europe (Sberbank Europe AG, former VBI) and in Turkey (DenizBank).
The DenizBank acquisition transaction was completed in September 2012 and was the largest acquisition in the Bank's 170-year history. Sberbank of Russia also has representative offices in Germany and China, a branch office in India, and operates Sberbank Switzerland AG. The year 2013 marked the official launch of the Sberbank Brand in Europe.
Sberbank today is the only Russian bank featuring in the World's Top 50 Biggest Banks. In the Top 1000 World Banks published by The Banker, Sberbank ranks 34th, rising 15 positions as compared to the previous year. Equally important that in this rating Sberbank ranks 1st in the world in ROA, 1st in ROE and 5th in asset/equity ratio.
In 2013 Sberbank ranked 63rd in the most valuable global brands rating as published by Brand Finance. The Sberbank brand was valued at USD 14.16 billion: having risen by almost USD 3.4 billion over one year. Thus, Sberbank is recognized as the most valuable brand in Russia.
The Central Bank of the Russian Federation is the principal shareholder and founder of Sberbank of Russia, holding 50% of the share capital plus one voting share. Both international and Russian investors feature among the shareholders of Sberbank of Russia.
The Bank's ordinary and preferred shares have been publicly traded on the Russian exchange markets since 1996. American Depositary Receipts are listed on the London Stock Exchange, they are admitted to trading on the Frankfurt Stock Exchange and the OTC market of the US.
General banking licence of the Central Bank of Russia 1481. The Bank's corporate website – http://www.sberbank.ru/.