About Us

Sberbank is the successor of Russian savings associations that were founded in 1841

Sberbank Today

Sberbank today is the largest bank in Russia and a leading international financial institution. It is Russia’s most valuable brand and one of the world’s top 25 brands.

Sberbank has 12 Regional Banks that are responsible for the functioning of more than 14,000 branches in 83 of Russia’s regions. The bank’s international network is made up of subsidiaries, branches and representative offices in 22 countries, including Russia, Turkey, the UK, US, CIS, and Central and Eastern Europe.

Sberbank is one of the five largest employers in Russia and serves as the source of income for every 150^th Russian family.

More than 150 mln clients use Sberbank’s services throughout the world. In Russia the bank has around 92 mln active retail clients and over 2.4 mln corporate clients.

Sberbank has a more than 30% share of the aggregate Russian banking sector assets. As the holder of around 45% of the country’s retail deposits, it acts as the key lender to the Russian economy and private clients. Sberbank provides more than 41% of consumer loans. It has an almost 34% share of the corporate lending market and a 56% share in mortgage lending.

True to its commitment to offer clients convenient, modern and always-available services, Sberbank is continuously enhancing its system of remote service channels. Sberbank’s online banking is actively used by approximately 61 mln people across a range of channels. The Mobile Bank SMS service has around 30 mln active users, the Sberbank Online mobile application is used by 39 mln people, and the Sberbank Online website has around 25 mln users (these figures include overlap).

Sberbank is the country’s largest issuer of bank cards. It has issued more than 122 mln debit cards. The bank also possesses one of the world’s largest networks of ATMs and self-service terminals, totalling 75,000 units.

The bank services all categories of corporate clients. Sberbank CIB, its corporate and investment banking business, was named Most Innovative Investment Bank in Central and Eastern Europe in 2018. It facilitates the completion of major projects in all sectors of the economy by providing complex structured products.

Sberbank pays special attention to small business. Clients can take advantage of rapid (three to five minute) intrabank settlements and access a wide range of additional services, from free of charge CRM and online accounting to guaranteed settlements. The Easy Start service package, which offers subscription-free access to a number of free services for beginner businesspeople, is especially popular among the business community. Sberbank’s smart loans are tailored to meet borrowers’ individual needs. More than a million businesspeople receive information-based support to address issues of compliance, international economic activity and other advisory services.

The bank actively participates in the majority of SME support programmes carried out by government agencies – the Russian Ministry of Economic Development, Ministry of Agriculture, SME Corporation, etc. The bank has a share of more than 30% in the market of subsidised lending for SMEs (provision of subsidies, guarantees/sureties).

The Sberbank Business Online internet bank (winner of a Red Dot award) for entrepreneurs is used by more than 1.8 mln companies. 99.6% of these companies’ transactions are performed electronically.

Sberbank is at the forefront of deploying digital technology, and is transforming its in-house technological platform and creating a major, industrial-scale IT system. The bank has nine innovative laboratories operating in key areas such as artificial intelligence and machine learning, virtual and augmented reality, blockchain, the Internet of Things, robotic technology, robotisation and gamification.

In 2017, Sberbank adopted its 2020 Strategy. The strategy is focused on reaching the next level in terms of digitalisation, which will enable us to compete with global technology companies while remaining the best bank for retail customers and businesses. The strategy involves Sberbank creating a financial ecosystem of user-friendly online services in a diverse range of client areas: medicine, real estate, and retail. Sberbank will offer its own cloud platforms to partners in these areas for the purpose of putting together programmes.

Sberbank’s new strategy concentrates on three priorities:

• Best client experience and ecosystem, which includes ­creating the best financial products and services, developing modern and convenient channels, and building an ecosystem that satisfies the non-financial needs of Sberbank clients.
• Technological leadership, which includes guaranteeing that the bank is reliable and efficient, creating a new platform, ensuring that clients are secure, and positioning Sberbank as a company that is driven by data, algorithms and innovation.
• People with new skills in effective teams, which includes a new motivation and training system for Sberbank employees, a set of new skills and competencies for employees, a teams-instead-of-hierarchy approach to personnel management, and fine-tuning of HR processes.

International Network

The Group is present in 22 countries, including the Russian Federation. In addition to CIS markets, Sberbank operates in Central and Eastern Europe (Sberbank Europe AG, formerly Volksbank International) and Turkey (DenizBank).

Sberbank also has representative offices in Germany and China and a branch office in India. In 2013, the Sberbank brand was officially launched in Europe.

Sberbank CIB¹, the Group’s corporate and investment banking business, has offices in New York, London, and Nicosia, which operate globally and specialise in brokerage and dealer services in foreign markets and with foreign clients. Sberbank’s subsidiary, Sberbank (Switzerland) AG, is a platform for trade finance and structured loan deals. It carries out operations in global markets and provides transactional banking services to clients.

Shareholders

The majority shareholder and founder of Sberbank is the Central Bank of the Russian Federation, owning 50% of its share capital plus one voting share. The rest of the bank’s shares are divided among international and Russian investors.

The bank's ordinary and preferred shares have been publicly traded on Russian stock exchanges since 1996. They are included in the First (Highest) Tier List of the Moscow Stock Exchange.

¹ On the basis of JSC Sberbank CIB

The bank holds the general banking licence No. 1481 issued by the Bank of Russia. Official websites of the Bank: www.sberbank.com, www.sberbank.ru.