Historical information about Sberbank of Russia

The first largest bank in Rus' was founded in 1841 by decree of the Emperor of All Rus' Nicholas I. The decree spoke about the opening of people's savings institutions, and the first of them was opened already in 1842 in St. Petersburg.

In 1987 Based on the data from Russian savings banks, Sberbank of the USSR was established as a bank for labor savings and lending, working with both individuals and legal entities. Sberbank of the USSR included in its structure 15 banks of all union republics, including the Russian Republican Bank.

In 1990 Russian Republican Bank became property Russian Federation. Already in December 1990, it was transformed into a joint-stock commercial bank, established on March 22, 1991 by a general meeting of shareholders.

In 1991 Sberbank became the property of the Central Bank of Russia and was renamed and registered as a joint-stock commercial Savings Bank of the Russian Federation.

1998 default Sberbank managed to survive thanks to strong support from the Central Bank of Russia.

In 2012 7.6% of Sberbank shares were sold by the Central Bank of the Russian Federation to private investors. The Central Bank itself remains the controlling shareholder to this day. Minority shareholders of Sberbank today are more than 226 thousand legal and individuals, among whom there are foreign investors. Foreign investors own 44% of Sberbank shares.

Banks, branches and branches in other countries that are part of the structure of Sberbank of Russia:

• Three branches of Sberbank in the CIS countries – in Kazakhstan, Belarus and Ukraine.
• Sberbank Europe AG has its headquarters in Austria. It was created in 2012 on the basis of Volksbank International AG, purchased by Sberbank. Sberbank Europe AG has nine banks operating in eight European countries– in Hungary, Slovakia, Bosnia and Herzegovina, Slovenia, Ukraine, Czech Republic, Serbia, Croatia.
• DenizBank A.S., Türkiye. Sberbank bought 99.85% of the shares of Turkish DenizBank in 2012.
• Sberbank (Switzerland) AG , headquartered in Zurich.
• Branch of Sberbank of Russia in India.
• Representative offices of Sberbank of Russia in Germany and China .

In 2012 Sberbank of Russia merged with the investment company Troika Dialog, which later transformed into the corporate investment structure Sberbank CIB). In the same year, Sberbank bought a majority stake in the subsidiary Russian retail bank of the French group BNP Paribas with a 74% stake. Currently this bank is known as Cetelem Bank.

The Supervisory Board of Sberbank of Russia includes: Chairman Sergey Ignatiev, German Gref, Sergey Guriev, Bella Zlatkis, Nadezhda Ivanova, Alexey Kudrin, Ilya Lomakin-Rumyantsev, Georgy Luntovsky, Vladimir Mau, Alexey Moiseev, Alessandro Profumo, Sergey Sinelnikov-Murylev, Dmitry Tulin, Alexey Ulyukaev, Ronald Freeman, Sergey Shvetsov, Akhmet Egilmez.

Members of the Board of Sberbank of Russia: German Gref (Chairman, President), Maxim Poletaev, Lev Khasis, Sergei Gorkov, Andrey Donskikh, Bella Zlatkis, Stanislav Kuznetsov, Vadim Kulik, Alexander Morozov, Alexander Torbakhov, Alexander Bazarov, Denis Bugrov, Olga Kanovich, Nikolai Tsekhomsky.

Sberbank of Russia in numbers

• Sberbank of Russia has been and remains a leader in terms of the size of its own assets. It concentrates more than 1 million current accounts of legal entities .
• In terms of the number of private deposits, Sberbank of Russia is a monopolist - it exercises control 45% of the total market .
• You receive your salary through Sberbank over 11 million people , pension - over 12 million .
• Sberbank of Russia issued more than 30 million plastic cards .
• ATMs of Sberbank of Russia have been installed on the territory of the Russian Federation more than 19 thousand .
• The total number of employees serving in Sberbank of Russia at the beginning of 2013 was more than 233 thousand people .
• Sberbank of Russia and has about 19 thousand units , which includes 17 regional banks.
• Self-service terminals from Sberbank of Russia have been installed in the Russian Federation about 68 thousand.
• The client base of Sberbank's remote customer service projects "Sberbank Online" and "Mobile Bank" includes over 5.5 million and 9.4 million respectively.
• Sberbank provided lending to individuals on more than 2.6 trillion rubles – this amounts to about 33% of the entire lending market in Russia.
• At the end of 2012, the bank received 344.4 billion rubles of net profit and increased its own assets by 22%.

Financial products of Sberbank of Russia

Retail clients of Sberbank of Russia can use a wide range of banking products and services - these include deposits, various forms of lending, bank cards, bank insurance, brokerage services, and money transfers.

Corporate clients of Sberbank of Russia can use settlement services, deposits, trade, project and export financing, money management services, and other financial products of the bank.

Deposits of Sberbank of Russia

Sberbank of Russia offers deposits for individuals with favorable interest rates. Deposits in rubles and foreign currency. To open any deposit with Sberbank, you must write an application online or contact any bank branch.

1. International currency deposit(Japanese yen - 2.25%, Swiss francs 2.5%, pounds sterling 3.25%).
2. Multicurrency deposit(rubles – 5.9%, US dollars – 1.75%, euros – 1.75%).
3. Pension Plus (3,5%).
4. gift a life(rubles, 6.4%).
5. Replenish
6. Top up – pension deposit(rubles – 6.6%, US dollars – 2.05%, euros – 2.05%).
7. Top up Online(rubles – 7.1%, US dollars – 2.15%, euros – 2.15%).
8. Save
9. Save your pension(rubles – 7%, US dollars – 2.25%, euros – 2.25%).
10. Save Online(rubles – 7.5%, US dollars – 2.35%, euros – 2.35%).
11. Manage(rubles 6.1%).
12. Manage Online(rubles 6.6%, US dollars 1.95%, euros 1.95%)

Consumer loans from Sberbank of Russia

Lending to individuals with favorable interest rates on cash loans - convenient options for consumer loans at Sberbank. An application for a consumer loan can be submitted at any Sberbank office, or online.

1. Educational loan(rubles 12%).
2. Consumer loan without collateral(rubles from 15.5%).
3. Consumer loan secured by real estate(rubles 15%).
4. Consumer loan with guarantee(rubles from 15.5%).
5. Refinancing(rubles – 17%).

Credit cards of Sberbank of Russia

1. Aeroflot card Visa Classic (RUB 24%).
2. Aeroflot card Visa Gold (RUB 23%).
3. Credit card
4. Gold Credit Card Visa Gold, MasterCard Gold (RUB 23%).
5. Molodezhnaya Card Visa Classic, MasterCard Standard (RUB 24%).
6. MTS MasterCard Gold card(Rubles 23%).
7. MTS MasterCard Standard card(Rubles 24%).
8. Card Give Life Classic Visa Classic (RUB 24%).
9. Card Give Life Gold Visa Gold (RUB 23%).

Car loans at Sberbank of Russia

An application for a car loan from Sberbank of Russia can be submitted at any branch of the bank, or online.

1. Loan to buy a car(rubles – 14.5%).

Mortgage loans from Sberbank of Russia

You can apply for a mortgage loan at any bank office or online. Mortgage lending with different interest rates and conditions - all options.

1. Promotion for new buildings(rubles – 12.5%).
2. Military mortgage - purchase of finished housing(rubles – 10.5%).
3. Military mortgage - purchase of housing under construction(rubles – 10.5%).
4. Garage(rubles – 14%).
5. country estate(rubles – 13.5%).
6. Young family special conditions(rubles – 11.5%).
7. Purchase of finished housing(rubles – 13%).
8. Purchase of housing under construction(rubles – 13%).
9. Home loan refinancing(rubles – 13.75%).
10. Construction of a residential building(rubles – 14%).

Loans for business at Sberbank of Russia

Loans are issued to participants in small and medium-sized businesses, as well as individual entrepreneurs to open or develop a business.

1. Business Auto(rubles 13.6%).
2. Business Asset(rubles – 14.03%, US dollars – 5.82%, euros – 5.87%).
3. Business Trust(rubles – 16.27%).
4. Business-Invest(rubles – 13.91%, US dollars – 5.7%, euros – 5.75%).
5. Business Real Estate(rubles – 13.5%, US dollars – 5.29%, euros – 5.34%).
6. Business Turnover(rubles – 13.86%, US dollars – 5.65%, euros – 5.7%).
7. Business project(rubles – 14.41%, US dollars – 6.2%, euros – 6.25%).
8. Business Rent(rubles – 12.85%, US dollars – 4.64%, euros – 4.69%).
9. Business start(rubles – 18.5%).
10. State order(rubles – 14.36%).
11. Confidence(rubles – 20.5%).
12. Express Auto(rubles – 17%).
13. Express-Active(rubles – 16.75%).

Background information about Sberbank of Russia

• OJSC Sberbank of Russia has license No. 1481(information about the license and the bank on the website of the Central Bank of the Russian Federation)
• Head of Sberbank of Russia German Oskarovich Gref
• Leasing company: Sberbank Leasing
• Address of the head office and management of Sberbank: 117997, Moscow, st. Vavilova, 19
• Sberbank phone number: 8-800-555-55-50 (free call within Russia)
• Official website of the bank: www.sberbank.ru

Sberbank of Russia is the very first credit organization in the country. More than 50% of Russian citizens are clients of the financial institution. Like other credit organizations, Sber has its own website.

Most of the bank's clients use its services in the traditional form. The official website of Sberbank allows you to perform almost the same operations much faster, without queues and delays. Let's find out what functionality the Sberbank website has, how a client can find the necessary data, etc.

Home page

A conservative approach to the provision of services is also reflected in the design of the official website of Sberbank, which is located at: www.sberbank.ru. The discreet page design can give odds to any other bank. Ease of use is hidden behind the unsightly appearance. Official website of Sberbank is one of the simplest, and most importantly, user-friendly. Here it is easy to find the information of interest, be it data on the products provided or tariff plans, which cannot be found on many websites of other banks during the day.

The main page of the official website of Sberbank consists of several “headers”. The topmost category is the categories of clients for whom the entire list of services provided has been prepared.

Lending

When you select any product, it opens detailed description. Besides standard conditions, here you can find out how to get a loan, what documents to bring to the bank, what requirements are set for borrowers, etc.

Here you can familiarize yourself with the loan agreement, read specific conditions in the rules of provision, learn about ways to repay debt, etc. One page contains the maximum information on one specific product, when, like on many websites of other banks, all the data is scattered across different pages and tabs. For this, the site receives a definite plus.

For convenience, you can calculate the loan on a special loan calculator Sberbank. It is not so convenient to use, because there are too many mandatory fields to fill out and half of them are absurd, for example, indicating gender. This factor may influence the decision on the application, but at the preliminary calculation stage it seems absurd. Here you can see only the monthly payment amount, bypassing such important data as the total cost of the loan.

Payment for services and transfers

The “Pay and transfer” tab will help clients learn about ways to pay for housing and communal services, cellular communications, the Internet, fines, loan payments, etc. Here are the commission rates for each transaction depending on the payment method (Internet banking, ATMs, mobile application, etc.). This tab also contains detailed conditions for money transfers within the country and abroad.

The “Invest and Earn” tab will help the client understand the choice of the appropriate service that Sberbank can provide (brokerage services, mutual funds, etc.) Information about coins for sale is also provided here.

Insurance

The “Insure yourself and property” tab will allow an existing or potential client to insure online mode apartment, debit or credit card, life and health.

Additional features

There are very convenient widgets on the main page of the site. For example, a currency converter, where online you can calculate dollars in rubles or other currencies at the bank rate; see the current euro/dollar exchange rate against the ruble and precious metals.

Sberbank was one of the first to develop a special project called “Simply Finance”. Here everyone can learn more about standard banking services and products in simple instructions and colorful pictures.

What is the most useful thing on the site and why? What is missing?

On the official website of Sberbank, everything is on point, everything is in its place. It will be easy for the user to find the necessary information on any bank product. The entrance to Internet banking is located in the most visible place - at the top of the main page. Below is a site map, where it will be even faster to find the right product.

But the biggest plus for Sberbank can be given for the fact that on each page of any product there are specific documents on it (exact conditions, tariff plan, agreement, etc.) Unfortunately, banks on their websites colorfully describe the same loans, indicating only summary information. And to find details, you have to search for the relevant documents for a long time. Sberbank does not hide or “hide” anything; on the contrary, it puts everything on display. Plus for honesty.

Contact Information

Find contact information Sberbank on its official website is quite simple. The hotline number for free calls from any phone is indicated in the header of the main page of the site. The support number for Moscow and Moscow Region is also indicated; you can find all branches in a specific city.

At the bottom of the main page there is a special widget that automatically finds the nearest branch, ATM or terminal in your city. The user just needs to enter a street or metro station, select a service point and click the “Find” button.

Bank details (BIC, INN, correspondent account, etc.) are located in the bottom menu of the main page in the “About the Bank” - “Details” tab.

Sberbank of Russia is the most large bank in our country, which has representative offices and branches in every city in the Russian Federation. It is Sberbank that provides the widest range of services to individuals and corporate clients. The peculiarity of the bank is that it is here that about 70% of all banking clients are served; accordingly, the level of its service meets the highest requirements of a private client. However, let’s take a look at all of Sberbank’s services for individuals today.

Lending to individuals

At all times, consumer lending has been one of the most popular banking products. At Sberbank, individuals have the opportunity to obtain a non-targeted loan in the amount of up to one and a half million rubles. The bank offers several loan programs with different interest rates:

• consumer loan without collateral from 13.9% per year;
• loan guaranteed by individuals rate from 12.9% per year;
• loan for private household plots rate from 17% per year;
• loan to military personnel for NIS participants - interest rate from 13 5% per year;
• loan secured by real estate from 12% per year.

As you can see, the rates on non-target consumer loans are quite low, and the bank gives greater preference to salary clients; it is for them that the minimum annual interest rate applies. The annual rate will be increased if the borrower refuses personal risk insurance.

Please note that for each potential borrower, loan terms are strictly individual and will depend on many factors.

Mortgage credit lending

Sberbank specializes in issuing mortgage loans; it is the leader in issuing loans for the purchase of housing. There are several programs for potential borrowers:

1. Purchase of finished housing – rate from 8.9%.
2. Promotion for new buildings – 7.4% per year.
3. Mortgage plus maternal capital– interest rate from 8.9% per year.
4. Loan for the construction of a residential building - interest rate 10% per annum.
5. Military mortgage - rate from 10.9% per year.

Apply for issuance mortgage loan you can do so without leaving your home on the bank’s official website. The processing time for an application can be up to 5 working days. Here mortgages are available to citizens of the Russian Federation aged from 21 to 65 years inclusive.

Loan refinancing

Sberbank offers individuals a service such as refinancing loans from other banks. This service is beneficial for you clients who pay off loans from other banks with a high interest rate or have several loans in different banks. The essence of refinancing is that Sberbank repays the client’s loans using his loan funds, after which the borrower pays only one loan to Sberbank. The benefit of the service is that the interest rate on a refinancing loan is several points lower than rates in other banks. In addition, it is possible to receive funds for emergency expenses.

Please note that refinancing a loan from other banks is only available to customers who do not have any current overdue debt.

Plastic cards

Credit and debit cards are always in great demand among individuals. Sberbank offers a wide selection of plastic cards that can meet the needs of each client. Here you can apply for a card from the Visa, MasterCard and Mir payment systems. Depending on your income level, the bank offers classic and gold platinum cards. In addition, here the client can issue a co-branded card, for example, Sberbank Aeroflot Bonus, or take part in the Gift of Life charity program.

The main advantage of Sberbank is that it offers its users to issue a card with an individual design. The cost of such a service is only 500 rubles. By the way, it is impossible not to say that it is in Sberbank that you can issue a debit card for a minor child over 7 years old. Her account will be linked to her parents' main card. And here you can get an instant card in just 15 minutes.

Please note that the cost of servicing a plastic card depends on several factors, primarily its status.

Invest and earn

Surely every potential client is interested in the opportunity to make money with Sberbank. And here such an opportunity is provided. Here you can open a deposit on favorable terms; the bank offers several deposit offers with different conditions services and interest rates. In addition, the bank's card clients have the opportunity to receive a higher interest rate on their deposit when opening an account remotely, through Sberbank online.

You can also open a nominal account at Sberbank for depositing social benefits. Its peculiarity is that it has no term limits, and also allows its users to receive up to 3.67% in rubles on the account balance. The minimum balance amount is not limited. The bank offers the following investment services to private clients:

• individual investment account;
• mutual funds;
• protected investment program;
• endowment life insurance.

What are Sberbank investment services for individuals. First of all, this is a real opportunity to earn additional money. If we talk in simple words, then the bank takes the money of its clients in trust and invests them in reliable projects, which in the future bring passive income to the owner of the investment.

The bank offers a service such as an individual pension plan, that is, in fact, it is a non-state pension fund of Sberbank. Individuals have the opportunity to independently form the funded part of their future pension. To use this service, you just need to open an account remotely, then sign an agreement, which the bank employees will send by email, and deposit an amount from the card of at least 1,500 rubles; in the future, the account can be topped up with at least 500 rubles at a time.

Important! The funds in the pension account are reliably protected; they are not subject to seizure or collection.

Brokerage services

Sberbank's brokerage services to individuals have recently become quite popular. First of all, it should be noted that an individual does not have the opportunity to become a private investor without intermediaries, or, more precisely, to invest his capital in securities. Here the bank offers a unique opportunity to conclude a service agreement and become a full participant in trading on the Moscow Exchange.

The cost of Sberbank brokerage services for individuals ranges from 0.165% to 0.006% depending on the transaction amount. It is worth noting that the service is carried out at each Sberbank office, Currently, 180,000 private investors have used the service. In order to become a client, you just need to contact any bank branch and conclude an agreement.

Payments and transfers

Sberbank of Russia provides the opportunity to pay for various services in several ways: using remote services, bank cash desks or self-service devices. You can make the following payments:

• public utilities;
• traffic police fines;
• taxes;
• cellular communication services;
• Internet;
• loans from other banks.

If you are a card client of the bank, then it is possible to make all payments online through the Sberbank online system. Tariffs for Sberbank services for individuals are quite loyal; to make payments to government and non-government organizations you will have to pay a 3% commission; for housing and communal services and mobile phone services there is a 2% commission. When paying for a loan from Sberbank, as well as a transfer to charity, no commission is charged for tax fees.

Important! The minimum commission fee is at least 20 rubles.

other services

The services of Sberbank of Russia provided to individuals are quite diverse. For example, here, in addition to a standard cash deposit, you can open a metal account. The essence of the service is that you buy precious metal or coins made of precious metals from Sberbank, and make a profit in the form of the difference in cost. Among other things, you can pick up the metal in an ingot or receive it in monetary terms.

Sberbank also provides rental services for safe deposit boxes at an affordable cost. Unfortunately, not all Sberbank banks yet have specialized premises with bank safes, so this information should be clarified in advance. The rental price depends on several factors, primarily the size bank safe and the period of its use.

You cannot ignore the bank's insurance services. The bank offers several types of insurance, namely: personal risk insurance, property insurance, travel insurance and comprehensive insurance. On the bank's official website you can choose the type of protection that you or your relatives need. The cost of the policy and the amount of insurance coverage directly depends on the set of insurance risks. You can purchase a policy directly at the office of a financial institution or online on the bank’s website. But it is worth considering that the service is provided by the Sberbank Insurance company, which is a 100% subsidiary of Sberbank of Russia.

Remote services

Finally, another service Sberbank provides to individuals is remote services: Internet banking and SMS notifications. First of all, these services are available to plastic card users. To gain access to them, you just need to first register plastic card, then connect all services to a Sberbank branch or through an ATM.

As for the cost of remote services, there is no fee for Internet banking. In addition, if you have access to your personal account in the system, then you have the opportunity to download the Sberbank Online mobile application for free and have access to your personal account at any time of the day, regardless of location. For SMS notification to Mobile Bank you will have to pay a symbolic cost, which ranges from 0 to 60 rubles. For gold and credit cards, payment is 0 rubles.

Sberbank has been providing services to individuals for over 100 years. Moreover, it really offers the widest range of services for individuals. By the way, if you want to become a client of the bank, you can find a description of each service and its cost on the official website.

Sberbank of the Russian Federation is a Russian commercial bank, one of the largest banking institutions in Russia and the CIS countries. Sberbank is a universal bank that provides a wide range of different banking services. The founder and main shareholder of Sberbank of Russia is the Central Bank of the Russian Federation, which owns 50% of the authorized capital and one voting share. The remaining shareholders of Sberbank are Russian and international investors (more than 273 thousand legal entities and individuals).

Bank history

The history of Sberbank of Russia dates back to the times Soviet Union. In the USSR, until 1987, there was a system of State Savings Banks of the USSR, which was subordinate to the State Bank of the USSR. In 1987, banking reform was carried out and the system of State Labor Savings Banks was reorganized, resulting in the formation of the Bank of Labor Savings and Lending to the Population of the USSR. In 1990, the Russian Republican Bank of the Savings Bank of the USSR was declared the property of the RSFSR by a corresponding resolution of the Supreme Council.

In 1991, the Joint Stock Commercial Savings Bank of the Russian Federation was established. On January 1, 1991, the USSR Savings Bank ceased to exist. On January 1, 2001, as a result of the reorganization of Sberbank of Russia, 79 regional banks of Sberbank of Russia were merged into 17 territorial ones. In 2010, the bank's shareholders decided to shorten the name to Sberbank of Russia OJSC, and at the end of 2010 the name was changed to Sberbank of Russia OJSC.

Sberbank today

Today, Sberbank of Russia is the leader in the Russian banking segment in terms of total assets. As the main creditor of the domestic economy, Sberbank occupies the largest share in the deposit market. As of the beginning of this year, Sberbank has 28.9% of total banking assets, 45.7% of individual deposits, 33.6% of corporate and 32.7% of retail loans. The capital of Sberbank of Russia currently amounts to 1.7 trillion rubles (approximately 27.4% of the total capital of the Russian banking system).

Bank services

Sberbank is universal commercial bank , which is able to satisfy the needs of different consumer groups by offering them a wide range of services. Among the clients of Sberbank of Russia are individuals and legal entities, including large corporations, medium and small businesses, state enterprises, constituent entities of the Russian Federation and municipalities. The services of this bank are used by about 100 million individuals (which is more than 70% of the population of our country) and approximately 1 million enterprises (more than 25% registered in Russia).

For retail clients, Sberbank of Russia offers a wide range of banking services. It includes: deposits, different types lending, money transfers, bank insurance, brokerage services. Sberbank offers corporate clients; settlement services; project, trade and export finance; cash management and others.

Offices and branches of Sberbank

Thanks to its unique branch network, Sberbank provides services in all 83 constituent entities of the Russian Federation. This network includes 17 regional banks and 18,400 branches. In addition, the bank has one of the world's largest networks of ATMs and self-service terminals (about 83 thousand devices), through which it effectively provides services remotely. The Mobile Bank and Sberbank Online applications are also actively developing, with more than 12.9 million and 7.6 million users already being clients, respectively.

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