Sberbank of Russia is a credit institution. Savings establishment. Control over activities

The history of Sberbank of Russia begins with the name of Emperor Nikolai I from 1841 on the establishment of savings receipts, the first of which opened in St. Petersburg in 1842. A half a century later, in 1987, a specialized bank of labor savings and lending to the population was created on the basis of state labor savings departments - Sberbank of the USSR, who also worked with legal entities. The Sberbank of the USSR included 15 republican banks, including the Russian Republican Bank.

In July 1990, the Resolution of the Supreme Council of the RSFSR, the Russian Republican Bank Sberbank of the USSR was declared the property of the RSFSR. In December 1990, he was transformed into a shareholder commercial Bankwhich was legally established at the General Meeting of Shareholders on March 22, 1991. In the same 1991, Sberbank went to the ownership of the Central Bank of the Russian Federation and was registered as a joint-stock commercial Savings bank Russian Federation. Largely due to the support of the Central Bank of the Russian Federation and the increase in commissions for estimated service Sberbank managed to withstand default on the GKO-OFZ of 1998 (at that moment the share of state debt obligations in the bank's assets was 52%, and there were only 21% of net assets to the loan portfolio). In September 2012, the Central Bank of the Russian Federation sold 7.6% of Sberbank shares to private investors for 159 billion rubles, or almost 5 billion dollars.

Currently, the Central Bank remains a controlled shareholder (50% regulator authorized capital Plus one voting action), which is also the only shareholder with a share of participation of at least 5% of the authorized capital of Sberbank. In public circulation there is a 50% minus one voting action, including legal entities - non-residents belongs about 45.64% of Sberbank shares. Ordinary I. preference shares Banks are listed on Russian stock exchanges since 1996. American depositary receipts (ADR) are quoted on London stock ExchangeMade to trading on the Frankfurt Stock Exchange and the Outdoor Market in the United States.

Geography of Sberbank Group covers 22 countries, including the Russian Federation. In addition to the CIS countries, Sberbank is presented in Central and Eastern Europe (Sberbank Europe AG, the former Volksbank International), in Turkey (Denizbank), Great Britain and the United States, Cyprus and in a number of other countries (CBB Group Companies). The Bank also has offices in Germany and China, a branch in India. In 2013, the official launch of the Sberbank brand in Europe took place. Denizbank purchase deal was completed in September 2012 and became the largest acquisition For more than 170-year history of the bank. However, in May 2018, Sberbank concluded a binding agreement to sell businesses in Turkey. The closure of Denizbank sale is scheduled for the first quarter of 2019.

In 2012, Sberbank closed a deal to combine with the investment company Troika Dialog (transformed into the corporate and investment structure of Sberbank CIB, and retail Bank Troika Dialogue in the fall of 2013 sold by a group of private investors). Also in 2012, a transaction was closed on the purchase of Sberbank at the French group BNP Paribas of the majority package in its subsidiary Russian retail bank (now the joint venture is functioning as a network bank, the share of "savage" - 79.2% on May 30, 2018).

The bank leads not only in terms of assets, but also by the number of customers served - legal entities (Over 2.3 million corporate clients). In the market of private Sberbank of Russia is a monopolist, controlling 45% of the market (the bulk of the deposits of individuals falls on the so-called pension contributions in rubles). It is worth noting that at the beginning of 2002, the bank's share was 71.4%. Further reduction in the market share occupied by Sberbank, a considerable insurance system and an increase in the amount contribute to a large extent. insurance compensation. The Bank is the largest issuer of debit and credit cards (including more than 122 million issued. debit cards) It has one of the world's largest ATM networks and self-service terminals (more than 75 thousand devices). The total number of active retail customers is about 88 million people. The number of employees of the Sberbank Group, according to the reporting of IFRS, as of September 30, 2018 amounted to almost 300 thousand people.

The historically established developed territorial network (more than 14 thousand divisions in 83 constituent entities of the Russian Federation located in the territory of 11 hour belts) contributes to the Bank's successes in the market retail lending. Currently, the Bank serves 150 million customers all over the world. Sberbank is also actively developing its applications " Mobile Bank"And" Sberbank online "with an impressive customer base, which has more than 30 million active users. Sberbank accounts for more than 41% of all loans individuals and almost 34% of loans to legal entities. Back in 2012, Sberbank overtook the former leader in the credit card segment - the Russian Standard Bank. On the market mortgage lending The share of the bank is 56%.

Sberbank offers retail customers wide range banking products and services, including deposits, various types of lending (, and), bank cards, remittances, bank insurance and brokerage services.

Sberbank of Russia serves all groups of corporate clients. The share of small and medium-sized companies accounts for about a third of a corporate loan portfolio. The Bank also offers deposits, settlement services, project, commercial and export financing, cash management services, etc.

From January to the beginning of October 2018, net assets of the bank increased by 9.2%, to reach 26.4 trillion rubles for the reporting date. In liabilities, the main increase in absolute terms demonstrated funds of enterprises and organizations (+0.7 trillion rubles, or + 11.3%). Significant growth has also shown its own capital, the volume of which, in accordance with the TB methodology, increased by almost 10% (+0.4 trillion rubles). In assets, liquidity was mainly directed to lending: the total portfolio increased by 14%, while the confident dynamics was demonstrated as prevailing corporate loans (+ 11.2%) and retail loans (+ 19.3%).

The leading positions in the Bank's resource base traditionally occupy funds on accounts and deposits of individuals - 45.4% of liabilities at the reporting date (in early 2018 - 49.5%). Another quarter of assets form remnants on the settlement and deposit accounts of corporate clients. On the own funds (Capital and reserves) account for another 14%, attracting from banks (MBC) - 3.5% of net liabilities issued by the bank securities - 1.3%. Turns only on the calculated and current accounts of the Bank's clients for recent months The period under study was an impressive amount of 25-27 trillion rubles.

In the structure of net assets, 68.2% as of October 1, 2018 falls on a loan portfolio, which consists of 68% form loans issued to enterprises and organizations; The rational in the total portfolio is shown at the level of 2.5% on RAS (not changed compared with the beginning of 2018). The level of reservation is sufficiently conservative compared to the minimum share of delay and at the reporting date was 6.2% of the loan portfolio. The loan portfolio is mainly formed by long-term (issued over a year) loans.

Share of 10.6% of assets - briefcase valuable papersrepresented mainly by bonds. It is worth noting that Sberbank is the largest holder of government securities (1.2 trillion rubles at the reporting date) forming about half of the bank's portfolio. Cash at the checkout and on the corschets (including in the Central Bank) make up the basis of highly liquid funds, whose share in net assets is 6.6%.

The MBC Sberbank market operates in both directions, both attracting and placing impressive liquidity volumes.

According to the results of the first nine months of 2018, the Bank received 612.7 billion rubles net profit under RAS. The indicator exceeded the result for the same period of 2017 (495.8 billion rubles) and already close to the result for the entire 2017 year (674.1 billion rubles).

Supervisory Board: Sergey Ignatiev (Chairman), Herman Gref, Sergey Shvetsov, Nadezhda Ivanova, Bella Zlatkis, Olga Skorobogatova, Maxim Oreshkin, Valery Gorgeld, Leonid Boguslavsky, Gennady Melikyan, Nadya Wells, Vladimir Mau, Eskoy Aho, Alexander Kuleshov.

Governing body: Herman Gref (chairman, president), Alexander Lovingin, Lev Hasis, Oleg Ganeev, Bella Zlatkis, Stanislav Kuznetsov, Alexander Morozov, Alexander Torbakhov, Anatoly Popov.

Many talk about the reliability of Sberbank, recalling the times of developed socialism, when this bank is 100% state. It seems to be these times have long been sunk in the summer, but the memory of people remained and now the younger generation already considers this organization the most stable and reliable. Why is that? It is unlikely that only human memory is worth it. We will deal with the current status of Sberbank, having studied what credit organisation And whether Sberbank refers to the number of organizations. It is also interesting, what is the current legal status of Sberbank and whether the state participates in its activities.

What is this organization?

Bank legislation and banking activities The "credit" ranks two large categories of subjects: banks and non-bank organizations that have the right to carry out separate banking operations. Sberbank refers to the first category of subjects, which means it is a credit institution. On August 11, 2015, Sberbank once again received the General License of the Bank of Russia, allowing to carry out a number of banking operations:

• involve in deposits money of various subjects of law;
• place funds from your own name as an organization;
• open and conduct accounts;
• make calculations on behalf of third parties;
• make a collection and exercise cash service etc.

General information about the organization is impressive, because Sberbank can be found in the leading banking organizations of the country that have a huge capital. 1/3 of the Banking Capital of the Russian Federation focused on Sberbank's assets. Being one of the main lenders russian economy Sberbank contributes a huge contribution to its development, investing, including in the real sector. The organization today has the largest and extensive network of departments operating throughout the country.

The client base consists of 110 million surnames, of which are 11 million foreigners.

To date, Sberbank has the most perfect online banking system, which is actively used by almost 30 million people and every month, the number of registered users is steadily growing. The organization also offers a perfect system of SMS alerts, which enjoys a huge number of people. Network banking service Sberbank includes ATMs and terminals. Currently, their approximately 90 thousand and each month the organization sets about 250 new devices.

As can be seen from this brief characteristic, the achievements of the organization today have a lot. Resources for future ambitious accomplishments are also sufficient. It remains for us to add the narration of Sberbank's details and you can move to the following item.

1. The current license has number 1481.
2. Banking supervision is carried out by the Central Bank of the Russian Federation.
3. The official name of the organization "PJSC Sberbank of Russia".
4. The legal address is registered in Moscow on Vavilov Street, house number 18.

Other relevant data, such as OGRN, TIN, Cor. Account, it is better to look in the section "Details" on the Bank's website. There, there is a guide to find a guide to find any of the Bank's units in any region.

Organizational form and state participation

Public joint-stock company. Such is the organizational legal form of today's Sberbank. Until 2014, Sberbank was called an open joint-stock company, but since it was in 2014 regular changes that were made to the legislation, Sberbank from the open transformed into public JSC. What did this change in the fate of the organization? Yes, even account nothing. The bank, as before, continues to work on the principles of openness and publicity, attracting numerous citizens and legal entities to cooperate.

Let's discuss one more question who worries many Sberbank customers: is their favorite organization of the state company? Legally, this is a private joint-stock company with a share of state participation.

To date, the controlling stake - 52.32% of the shares belongs to the Bank of Russia, that is, the authority of the authority under the control system (if not going into controversy), which carries out control and supervisory functions in the financial and credit sector of the Russian economy. The ownership of the controlling stake enables representatives of the Bank of Russia to make fundamental decisions at the shareholders meeting and carry out the current management of the organization. Make conclusions yourself.

The management structure of today's Sberbank is quite complicated. The main body that is authorized to make major decisions is the general meeting of shareholders. This body is convened periodically, and constant control over the activities of the organization is carried out by the Supervisory Board. Who does the Supervisory Board control?

1. President, Chairman of the Board and Board.
2. Strategic Planning Committee.
3. Committee, risk management.
4. The Committee involved in personnel issues and awards.
5. Corporate Secretary.

Also, the Council appoints and relieves from the post of service manager internal audit, In addition, the leaders of the Internal Control Service and the Risk Management Service. The Council, if necessary, elects the Audit Committee. Each of the listed bodies also interact with each other, but all of them, one way or another, are subject to the Supervisory Council, or the General Meeting of Shareholders.

So, we figured out or not in the question, which follows from the title of the topic of the article, to solve you. It seems to us that all the tasks set were solved and the goal is achieved. If someone has any questions, write them in the comments below.

In today's Sberbank, almost nothing resembles savings offices whose functions he performed throughout the considerable period of its history. But surprisingly the other: Sberbank is already little like even on himself just a decade ago!

The ability to change and move forward is a sign of an excellent "sports" form in which Sberbank is located today. The title of the oldest I. the largest bank Russia does not prevent him from openly and conscientiously compete on banking market And keep your hand on the pulse of financial and technological change. Sberbank not only keeps up with modern trends in the market, but also ahead of them, confidently focusing in rapidly changing technologies and preferences of customers.

Leader of the banking sector

Sberbank today is a circulatory system of the Russian economy, a third of her banking system. The bank provides a job and source of income of each 150th Russian family.

The share of the leader of the Russian banking sector for the total assets accounts for 28.7% of total banking assets (as of January 1, 2016).

The bank is the main lender of the Russian economy and occupies the largest share in the deposit market. It accounts for 46% of the contributions of the population, 38.7% of loans to individuals and 32.2% of loans to legal entities.

Sberbank today is 12 territorial banks and more than 14 thousand divisions throughout the country, in 83 constituent entities of the Russian Federation located in the territory of 11 hour belts.

Only in Russia, Sberbank has more than 110 million customers - more than half of the population of the country, and about 11 million people use the services of Sberbank abroad.

SPEKTROBANK SERVICES FOR RETAIL CUSTOMERS Maximum wide: from traditional deposits and various types of lending to bank cards, money transfers, bank insurance and brokerage services.

All retail loans in Sberbank are issued on the "Credit Factory" technology created for effective assessment credit risks and ensuring high quality loan portfolio.

In an effort to make a service more convenient, modern and technological, Sberbank every year increasingly improving the possibility of remote control of customer accounts. The Bank has created a system of remote service channels, which includes:

• mobile applications Sberbank online for smartphones (more than 40 million active users);
• web version of Sberbank online (13 million active users);
• SMS-service "Mobile Bank" (more than 23 million active users);
• one of the world's largest networks of ATMs and self-service terminals (more than 90 thousand devices).

In addition, Sberbank online was recognized as the best retail online banking in Central and Eastern Europe, according to the Global Finance magazine in 2014 and 2017, as well as recognized best Bank In Russia, according to the results of the study conducted by this magazine in 2015.

Sberbank is the largest issuer of debit and credit cards. The Joint Bank, created by Sberbank and BNP Paribas, is engaged in POS lending under the Cetelem brand, using the concept of "responsible lending".

Among Sberbank's customers are more than 1 million enterprises (from 4.5 million registered legal entities in Russia). The Bank serves all corporate clients groups, and more than 35% of the bank's corporate loan portfolio account for the share of small and medium-sized companies. The remaining part is lending to the major and largest corporate clients.

Sberbank today is a team that includes more than 260 thousand qualified employees working on the transformation of the bank into a better service company with world-class products and services.

International Network

Sberbank today is a powerful modern bank, which is rapidly transformed into one of the world's largest financial institutions. IN last years Sberbank significantly expanded its international presence. In addition to the CIS countries (Kazakhstan, Ukraine and Belarus), Sberbank is presented in nine countries in Central and Eastern Europe (Sberbank Europe AG, former Volksbank International) and Turkey (Denizbank).

Denizbank purchase deal was completed in September 2012 and became the largest acquisition for more than 170-year-old bank history. Sberbank of Russia also has offices in Germany and China, a branch in India, works in Switzerland.

In July 2014, Sberbank ranked first among banks in Central and Eastern Europe, as well as 33rd place in the overall standings in the annual "Top 1000 Banks" of the world published by The Banker magazine.

Sberbank ranked first among Central and Eastern Banks in the published ranking of the top 1000 largest banks of the world of the British magazine The Banker, drawn up on the basis of reporting for 2017.

Shareholders

The main shareholder and founder of Sberbank of Russia is the Central Bank of the Russian Federation, which owns 50% of the authorized capital plus one voting action. Other shareholders of the Bank are international and Russian investors.

Ordinary and preferred shares of the Bank are quoted on Russian stock exchanges since 1996. American depositary receipts (ADR) are listed on the London Stock Exchange, admitted to trading on the Frankfurt Stock Exchange and the Outdoor Market in the United States.

The License License of the Bank of Russia for banking operations 1481. The official website of the bank is WWW.Site.

According to the results of 1997, Sberbank of Russia, the only of the country's commercial banks, was among the two hundred of the largest credit institutions of the world and in the first hundred of European banks. In 1997, Sberbank of Russia turned 156 years old.

For its more than half a half history, the bank passed the difficult path of formation - from the opening of the first Russian savingskass to the largest Russian commercial Bank. The beginning of his activities was put in the 19th century and includes several stages:

• On October 30, 1841, the Decree of the Emperor Nikolay 1 was published about the establishment of savings cash desks in Russia "in order to deliver insufficient all sides to people to the savings of the right and advantageous way."
• In 1842, the first savings kiss in Moscow and St. Petersburg opened.
• 1862 The general management of savings kassami was entrusted to National Bank Under the supervision of the Ministry of Finance.
• 1895 at the initiative of the Minister of Finance S.Yu. Witte adopted a new charter of savings checks. Sberkassians became called "state".
• 1918 Decree of the Council of People's Commissars of the RSFSR dated January 21 on the inviolability of deposits in savings offices.
• 1919 Decree of SNK RSFSR dated April 10 on the merger of Sbercass with People's Bank RSFSR.
• 1922 Resolution of the SNK RSFSR of December 26 "On the establishment of state savings checks".
• 1948 approved a new charter of state labor savings boxes.
• 1988. State labor savings cash registers are transformed into the Sberbank of the USSR as a state specialized bank for servicing the population.
• 1990 The Russian Republican Bank Sberbank of the USSR was declared the property of the RSFSR. Savings Bank of the RSFSR transformed into a joint-stock commercial bank.
• 1991 At the General Meeting of Shareholders, the joint-stock commercial savings bank of the Russian Federation was established in the form of a joint stock company in accordance with the Law of the RSFSR "On Banks and Banking Activities in the RSFSR" of December 2, 1990
• 1993 Sberbank was assigned the status of an official dealer Central Bank Of the Russian Federation under state short-term oscillating bonds and bonds Federal loan and authorized bank on working with gold certificates of the Ministry of Finance of the Russian Federation. The emission of own bills and deposit certificates has begun.
• 1996 in financial results The year Sberbank of Russia, the only one of the Russian banks, entered the first hundred of the largest credit institutions in Europe (including an 8th place in terms of profit, 11th place for capital profitability). According to the results of the work for 1996, the bank received for the first time audit report by international standards accounting. The general meeting of shareholders approved the "Development Concept of Sberbank of Russia to 2000", providing for further transformation of the bank to a universal credit and financial institution.
• 1997 International Rating Agencies Fitch IBCA and Thomson Bank Watch awarded the Sberbank of Russia The highest Russian commercial banks credit and long-term credit rating of BB +, equal to the rating of the Russian Federation. Sberbank received a syndicated loan from a group of Western banks in the amount of $ 225 million. The bank was granted the status of an observer in the European Group of Savings Banks (EGSB). In Russia, the largest Diling Center in Russia.

Everyone known in our country "Sber" is called the Savings Bank of the Russian Federation. This is one of the largest financial institutions Countries that occupy higher positions in financial world According to some special macroeconomic parameters. Today we will give you a full-fledged characteristic of Sberbank of Russia.

Features:

• the largest number of regional offices, branches throughout the country;
• state support;
• maintaining the right financial policy.

Sberbank coverage network consists of:

• branches;
• departments;
• regional banks;
• other units.

It can also be additional offices, mobile operating cash desks, mobile items.

Features of work

Sberbank is a joint-stock commercial bank established by the Central Bank of the Russian Federation. Organization form - open joint-stock company.

The official discovery occurred in 1991, although this is the very first bank of the country that takes its own from the beginning of the XIX century.

The management structure of Sberbank consists of general Assembly Shareholders, Bank Council, Board of Directors, President of the Bank. All operations are manufactured in this institution on the basis of an existing charter typical of form for all financial institutions.

In addition, one of the characteristics of the bank is its versatility. It is embodied in that the bank provides more than a hundred different types of services. The most common services are lending, reception money Increased interest, cash-based cash services. New, the most relevant services of the bank are a dealing service, carrying out operations on stock marketproviding intermediary services.

The bank's divisions are actively working both with individuals and legal entities.

Work with saline

The largest money turnover Bring the deposits of individuals from Sberbank. This is due to the fact that the most developed customer service is the most developed. The same individuals Sberbank offers "Winters" a wide range of additional services:

• provision of various types of loans;
• additional bonuses for investment;
• splashing conditions for mortgage lending.

The main types of deposits are both ruble and currency. The most popular currencies are the dollar and the euro. Moreover currency deposits Not inferior to ruble, even not very wealthy segments of the population.

Work with legal entities

Legal entities also "ordered" various services - mainly translation wages Employees or lending depending on the possibilities of the legal entity serviced.

Large companies and corporations are entrusted to Sberbank's services on operations with foreign currency.

Deposit operations

It is believed that Sberbank is, perhaps, the only one russian bankwhich has a state guarantee on deposits, including the necessary policy for stabilizing investors savings. Returning deposits, whatever he was not, Sberbank is always guaranteed. So, any depositor, if it urgently needs funds, it may apply to the nearest branch at the place of residence, and the issuance of funds on the deposit may be immediately issued. However, if the branch does not have the necessary amount of funds required, then the user will be asked to wait until 1 day - in principle, it is a very short period of waiting. All because there is a bank in stocks reserve Fundwhich general guidelines have established care.

This circumstance is a key "trump card" of Sberbank when making agreements with depositors. That is why people trust the bank and no doubt carry their savings into it.

Why do we choose Sberbank?

Many sociologists, financiers sometimes worries the question: why do people choose Sberbank for their investments, requests for loans issuing, including mortgage? One of the reasons is already described above - this is the creation of a reserve fund.

The second, which attracts individuals is an automatic attachment, if a person has a salary account in Sberbank: it is very convenient to receive a salary and have a loan in the same bank.

Sberbank is among the authoritative banks using all the famous, most popular and reliable payment systems. Sberbank produces plastic debit and credit cards "Visa", "Master Card", "Eurocarda", as well as the latest models of microprocessor small cards.

Other services of Sberbank

Correspondent Sberbank functions are extensive: it interacts with various foreign banks. This gives him the ability to conduct operations with many currencies in the world, including the most rare and not so often used Russians.

There is such a community as the Interbank Financial Community (International Abbreviation - SWIFT), the appointment of which is the guarantee of the immediate transfer of funds to any bank of the world. This association includes Sberbank, it is its active and reliable participant.

Also, our bank is a member of specialized international organizations. This is the highest advantage of this Russian bank. This means that Sberbank retains its sustainable positions on reliability and competitiveness.

Sberbank's participation in various incentive events is also not limited to the shares of goodwill, patronage and patronage - the activities that historically developed in the entire history of the existence of Sberbank of Russia. The charity beginnings of the bank were always encouraged and are currently supported by the state.

The Sberbank Characteristic does not end. Confidence in their forces, high quality service, honesty and guarantees provided to customers form the image of Sberbank of Russia as the most reliable and prosperous financial organization.