Report on practice in PJSC Sberbank. Report on Practice in PJSC "Sberbank" of Russia PJSC Sberbank Report for the year

License agreement for the right to use the program for the computer "Lick: Expert" on 1 (one) workplace for a period of 1 (one) year at the tariff Lick: Expert LE1

This license agreement is the offer of CJSC "Lik" OGRN: 1137746308039, TIN / PPC: 7719841799/771901001, address: 105679, Moscow, Izmailovskoe highway, d.44, referred to as a licensor, user program for EMM "Lick: Expert" , referred to as a licensee.

Under the acceptance of the real license agreement, the fact of payment of remuneration under this Agreement is recognized, or the fact of the start of use (adopting a license agreement when starting) a program for the computer "LIC", depending on what event comes earlier.

1. Definition of terms

1.1. Program for EUM "Lik: Expert" - the result of intellectual activity is a software-information complex designed to obtain open and publicly available data on legal entities and individual entrepreneurs. Next - by "Lik".

1.2. License Agreement - Terms of Use on "Lick", received by a licensee when running "Lick".

1.3. Identification data: Login and password - allow you to identify the licensee.

1.4. Workplace - a kit that includes software and identification data.

2. Subject of the contract

2.1. The subject of this License Agreement is the transfer of non-exclusive rights to use the result of intellectual activity - on the "LIC" licensee on a simple (non-exclusive) license by opening access to a licensor database server in accordance with the user's selected tariff.

2.2. The owner of the exclusive right to the program and information complex LIK is CJSC "Lik" OGRN: 1137746308039, TIN / PPC: 7719841799/771901001, address: 105679, Moscow, Izmailovskoe highway, d.44.

2.3 Licensor can convey its rights to spread a simple (non-exclusive) license for the "Lick" partner, according to an additional contract.

2.4. The licensor reserves the right to maintain, the name, any commercial and non-commercial use of the "LIC" and any documents relating to it, including copyright and other rights.

2.5. Access to the "LIC" is provided within 1 (one) working day from the date of payment of remuneration.

2.6. The licensor has the right to release new releases and versions of "Lik", to put the conditions for their provision to the licensee, the conditions of technical support and maintenance.

3. Exceptional rights. Terms of Use.

3.1. According to "Lik", the result of the intellectual activity of the licensor and is protected by the legislation of the Russian Federation on copyright. In the "Lick" no elements are used in violation of the rights of third parties.

3.2. The right to use on "LIK" is provided only to a licensee, without the right to transfer to third parties, exclusively in the amount of this license agreement, if there is no written consent of the copyright holder to another. The licensee is prohibited from obtaining income from the resale of information obtained when using the "LIK".

state registration

individuals

3.4. In cases of violation by the licenseer of the Terms of this Agreement or identifying robotic requests to the "LIC", the licensor can be blocked by the licensee for the "LIK" or a limit on the number of appeals to the "face" in the search and receipt of information can be entered.

3.5. The licensor has the right to set technical restrictions on the number of requests to the system. Basic restrictions on the number of objects issued by "LIK" included in the facilities of the LIC: Expert LE1: General - 600,000 during the entire license term, an extract for EGRUL / EGP with EDS - up to 100 per day, on EGRN discharge - up to 5 per day.

3.6. By "Lik" is provided with a licensee "As is" ("AS IS"). The licensor does not guarantee that the "LIC" will work on any equipment, on any workstation, together with any other applications without errors.

4. Rights and obligations of the parties.

4.1. Duties of the licensor:

4.1.1. Ensuring round-the-clock work on "LIC", except for the time of preventive work;

4.1.2. Timely software update.

4.2. Licensee's rights:

4.2.1. Amendments to "Lick"

4.2.2. Blocking access to the database server in case of violation by the licenseer's conditions of this Agreement or a violation of the license agreement, followed, no later than three working days after blocking, notification of the licensee on the facts of violation and possible ways to eliminate violations.

4.3. The responsibilities of the licensee:

4.3.1. Do not perform attempts to copy, modify, decompiling, disassessability by "LIK".

4.3.2. Do not use the data obtained from the "Lick" to resale to third parties.

4.3.3. Do not use the entry credentials in the "LIK" for transferring and resale to third parties.

4.3.4. Comply with the terms of the license agreement.

4.4. Licensee's rights:

4.4.1. Getting around the clock access to the database server by means of "LIK" except for the time of preventive work.

4.4.2. Getting qualified technical support.

4.5. By contradiction with the terms of the Offer, the licensor and the licensee is entitled to issue a license agreement at any time in the form of a written bilateral document.

5. The term of the contract.

5.1. This Agreement shall enter into force with the adoption of the terms of this Agreement and is valid for the period established by the license. The contract may be prolonged by the parties for a new term.

5.2. In case of violation by the licenseer of the Terms of this Agreement, the licensor has the right to terminate the contract and immediately block access to the server.

[Email Protected]

5.4. In the case of one-sided refusal of the licensee from this License Agreement (on the conditions specified in paragraph 5.3), the right to use on the "LIK" is provided to the licensee until the end of the access period in accordance with the chosen licensor tariff, the remuneration of the Licensor is not subject to return.

6. The procedure for calculations.

6.1. The licensee pays the licensor a licensing remuneration for the right to use on the "LIK" in the amount established in the licensor of the account in accordance with the selected tariff.

6.2. The licensee pays the invoice by non-cash transfer to the licensor's account.

7. Responsibility of the parties.

7.1. For non-fulfillment or improper fulfillment of obligations under this License Agreement, the licensor and the licensee are responsible in accordance with the current legislation of the Russian Federation.

7.2. The licensor is not responsible for the completeness and amount of data provided through open sources used by "LIK".

7.3. The licensor is not responsible for the impossibility of using the "face" for reasons independent of the licensor.

7.4. The Licensor is not responsible for the actions and decisions of the Licensee, adopted on the basis of information received when using the "LIC", their consequences, as well as direct and indirect losses, including lost profits as a result of the use of the software and information complex on "Lik".

8. Details of the parties.

Licensor:
CJSC "Lik"

Legal / actual address:
105679, Moscow, Izmailovskoe Highway, d.44

OGRN: 1137746308039.

Inn / PPC: 7719841799/771901001

Licensee:
The user (data is indicated when making a payment)

"The annual report of PJSC Sberbank for 2015 approved by the Supervisory Board of PJSC Sberbank Protocol No. 16 dated 12.04.2016 confirmed by the Audit Commission ..."

-- [ Page 1 ] --

Approved by the Annual General Meeting

shareholders PJSC Sberbank

Protocol number 29 dated 01.06.2016

Annual report

PJSC Sberbank

for 2015.

Approved by the Supervisory Board

PJSC Sberbank

Protocol number 16 dated 04/12/2016

Confirmed by the Audit Commission

PJSC Sberbank

RPBU, unconsolidated data April 2016

Introduction

Position of the joint stock company in the industry

Corporate business

Block "CIB"

Block "Corporate Business"

Attracting funds of corporate clients

5. Retail business

Lending to private clients

Attracting private customers

Sources of non-interest income

Development of remote service channels

New model service model

Retail Model Sales

Quality of service

Unified Distributed Contact Center

6. Operations with its own securities portfolio. Investments

7. Risk management

Integrated Group Risk Management

Credit risks

Risk of liquidity

Country risk

Interest and currency risks of the banking book

Operational risk

8. Personnel

9. Development of information technology

10. Administrative and economic activities

11. Office of Cassovo-Collector Services

12. Correspondent relations

13. Security

14. Sberbank organizational structure

15. Development prospects

16. Report of the Supervisory Board on Corporate Governance

Appeal by the Chairman of the Supervisory Board S.M. Ignatiev

Corporate governance system

General Meeting of Shareholders

Supervisory Board

Committees of the Supervisory Board

Corporate Secretary

Executive bodies of the bank

Control and reporting

Remuneration of the Supervisory Board and Management

Large transactions

Transactions in which there is an interest

Evaluation of the corporate governance system

Share capital

Dividend payment report

Interaction with shareholders and investors

application

Introduction

1. Introduction This report is the report of PJSC Sberbank1 on the results of the Bank's development in 2015 on priority areas of activity.

The priority areas of the Bank's activities are:

Operations with corporate clients: maintenance of settlement and current accounts, opening deposits, financing, issuing guarantees, maintenance of export-import operations, collection, conversion services, remittances in favor of legal entities, etc.

Operations with retail customers: Taking funds to deposits and securities of the bank, lending, bank card maintenance, operations with precious metals, purchase and sale of foreign currency, payments, remittances, storage of values, etc.

Operations in financial markets: with securities, derivative financial instruments, foreign currency; Accommodation and attraction of funds in the interbank market and capital markets, etc.

The Bank works on the basis of the General License for Implementation banking operations With funds in rubles and foreign currency No. 1481 issued by the Bank of Russia on August 11, 2015. In addition, Sberbank has licenses for banking operations to attract into deposits and placement of precious metals, other operations with precious metals, licenses of a professional participant in the securities market for conducting brokerage, dealer, depository activities, as well as in securities management activities.

This report is compiled in accordance with the legislation of the Russian

Federation, including:

Federal Law of 22.04.1996 N 39-FZ "On the securities market", federal law of 26.12.1995 N 208-FZ "On Joint-Stock Companies", Regulations on additional requirements for the procedure for training, convocation and holding a general meeting of shareholders approved by order FSFR of Russia 02.02.2012 No. 12-6 / PZ-N, the provision of the Bank of Russia dated December 30, 2014 No. 454-P "On the disclosure of information issuers of emission securities", taking into account changes made by the indication of the Bank of Russia of December 16, 2015 N3899-U2.

The report is compiled taking into account the provisions of the Corporate Governance Code recommended for the application of the Bank of Russia 10.04.20143.

The report is based on published reporting forms (Russian accounting rules, unconsolidated data), as well as internal forms of bank statistical reporting. Events after the reporting date on January 1, 2015 and on January 1, 2016 are taken into account.

Annual accounting (financial) Bank reporting for 2015 posted on the Internet on the Sberbank website www.sberbank.com.

- & nbsp- & nbsp-

The main growth factors of the Bank's assets in 2015 were loans to legal entities and individuals, as well as pure investments in securities and other financial assets available for sale. The growth of balance sheet articles was influenced by the positive reassessment of their currency component due to the weakening of the ruble rate in relation to the main foreign currencies: The US dollar has increased by 29.5% to 72.9 rubles per year / dollars. USA, euro exchange rate - by 16.6% to 79.7 rubles / euro.

Capital, calculated on the provision of the Bank of Russia No. 395-P, for 2015 increased by 347 billion rubles. and amounted to 2,658 billion rubles. The main factors that enlarged capital - earned net profit and inclusion in the additional capital of the subordinated loan of the Bank of Russia in the amount of 200 billion rubles, raised in 2014 under the Federal Law No. 173-FZ6 to finance active operations.

In December 2015, the Bank also included a subordinated loan from NPF7 in the capital. On the dynamics of capital also influenced the gradual transition of the bank for the requirements of Basel III, which is carried out for 5 years for some positions of the calculation.

Assets including risk in 2015 increased by 2,534 billion rubles. The impact of the ruble devaluation was partially mitigated by the resolution of the Bank of Russia to use a preferential course for currency assets reflected in the accounts until December 31, 2014.

The cost of sufficiency of the total capital of Sberbank (H1.0) as of January 1, 2016 amounted to 11.9%, having increased over the year by 0.3 percentage points.

Sberbank earned profit before tax in the amount of 306.9 billion rubles. (in 2014, 429.2 billion rubles.) Profit after tax amounted to 218.4 billion rubles. (in 2014, 311.2 billion rubles.). The main decline factor was the net interest income, which decreased at the beginning of the year due to the sharp growth of the level of interest rates in the market and large volumes of funds raised. By the end of the year, Sberbank managed to reduce the lag from the results of 2014 mainly due to the repayment of the State Financing, the development of commission operations, consistent implementation of the cost reduction program.

Hereinafter, in the tables, the above indicators may differ from the calculated due to rounding data Capital is calculated in accordance with Regulation No. 395-P "On the method of determining the amount of own funds (capital) of credit institutions (Basel III)", approved by the Bank of Russia 12/28/2012 acting on the appropriate reporting date (hereinafter referred to as the position of the Bank of Russia No. 395-P) Federal Law of October 13, 2008 No. 173-FZ "On additional measures to support the financial system of the Russian Federation"

Non-state Pension Fund of Sberbank Major Financial Results 2015

- & nbsp- & nbsp-

Assets for 2015 rose by 4.4% and amounted to 22.7 trillion rubles. Their growth occurred mainly due to an increase in customer loan portfolio. Clean loan debt of customers for the year increased by 6.2% and reached a magnitude of about 16.9 trillion rubles. Over the past year, the volume of loans issues to corporate clients amounted to about 6.8 trillion rubles. Private customers for the year more than 1.2 trillion rubles were issued. Also, the growth of assets affected the increase in net investments in securities that occurred mainly by purchasing securities in the portfolio for sale and effect currency revaluation.

Reduced volume money It happened mainly in January and is associated with a decrease in demand for cash due to the decline in the volatility of the ruble exchange rate.

For active operations, various sources of resource attracting were used. Below is the dynamics of attracted customer tools.

- & nbsp- & nbsp-

The main financial results of 2015 the amount of funds raised both corporate clients and individuals increased by ruble accounts, and on accounts in foreign currency. Despite the preservation of geopolitical tensions in 2015 and foreign markets remaining closed, the Bank significantly reduced the dependence on the funds of state funding (the amount of funds of the Bank of Russia on the bank's balance sheet for the year decreased from 3.5 trillion rubles. Up to 0.8 trillion) due to Attracting the additional amount of customer funds. The influx of customer funds allowed the bank also early to pay a number of expensive borrowing in the currency from foreign markets.

Given the continuing sanctions and an unstable macroeconomic situation, in order to reduce liquidity risks, the Bank significantly increased the volume of liquidity reserves8 mainly due to the conduct of active work on the increase in collateral in the framework of the Bank of Russia No. 312-P9 in 2015. In addition, the Bank is constantly working on the expansion of the refinancing tool list.

- & nbsp- & nbsp-

Operating income before the creation of reserves amounted to 1,221 billion rubles. against 1 319 billion rubles. a year earlier.

Interest income increased by 20.3%. Loans to legal entities brought 57% of interest income, their growth occurred due to the growth of volumes and profitability of loans. Loans to individuals brought 32% of interest income, their growth is ensured by increasing the volume of retail lending, mainly mortgage.

The possibilities of the Bank to attract funds from the Bank of Russia in the framework of the current instruments of the Bank of Russia refinancing the provision of the Bank of Russia No. 312-P d d d d d d d d dated 12.11.2007 "On the procedure for providing banks by the Bank of Russia to credit organizations of loans provided by assets or guarantees"

The main financial results of 2015

- & nbsp- & nbsp-

The bank increased the net commission income, despite the decline in commissions from credit operations and bank insurance. The main increase was provided with operations with bank cards and acquiring due to the growth of emitted maps and increasing the number of clients on acquiring services in Sberbank. An increase in commission costs is associated with increasing volumes of operations with bank cards, which affects the amount of payments in favor of payment systems.

- & nbsp- & nbsp-

Operating expenses increased by 3.5%. A low flow rate of operating expenses is provided with the implementation of the cost optimization program. The Bank optimized the procurement system, including the direction of information technologies, increased the efficiency of the use of real estate.

- & nbsp- & nbsp-

In 2015, the Bank's expenses on the formation of a reserve amounted to 294.4 billion rubles, which is close to the volume of the previous year. In the difficult general situation in the economy, Sberbank holds the quality of assets at a stable level. Some of the reserves created are related to the growth of the portfolio, and not its deterioration, another part is associated with the weakening of the ruble, which demanded the mining of reserves for currency loans without deterioration on them. The share of overdue loans in Sberbank remains twice the Russian banking sector.

Sberbank earned profit before tax in the amount of 306.9 billion rubles. (in 2014, 429.2 billion rubles.) Profit after tax amounted to 218.4 billion rubles. (in 2014, 311.2 billion rubles.)

Position of the joint stock company in the industry

3. The provision of the joint-stock company in the industry in 2015 on the dynamics of banking markets influenced the economic decline in the Russian Federation, accompanied by the devaluation of the ruble, the growth of inflation and the deterioration of most macroeconomic indicators. The situation was aggravated by the cumulative effect of negative external factors - the fall in world oil prices and a high level of geopolitical tension.

The devaluation of the ruble, which accounted for 29.5% to the US dollar, leveled almost all growth in most banking markets. Thus, the assets of the banking system increased in nominal terms by 6.9%, and excluding currency revaluation decreased by 1.6%. For comparison - in 2014, bank assets increased by 35.2%.

The credit portfolio of the banking system rose by 8.2%, which is significantly less than a year ago, when the increase was 25.4%. At the same time, a multidirectional dynamics was observed: the volume of loans to enterprises increased by 13.4% (a year ago an increase of 30.3%), the portfolio of retail loans decreased by 5.7% (a year ago, an increase of 13.8%).

Credit risks in the banking system have increased significantly. The level of overdue debt on loans has grown from 4.6% to 6.5%. At the same time, the level of poor population debts grew from 5.9% to 8.1%, enterprises - from 4.1% to 6.1%. The increase in extension by enterprises and the population of loans for 2015 amounted to 54.3%.

The increase in reserves for loans amounted to 30.8%, which is lower than the growth of the previous year (43.1%). In conditions of deterioration financial state Banks and increased pressure on capital coverage of overdue debt reserves decreased from 1.8 to 1.5 times.

The contributions of the population remained the main source of resources, an increase of 25.2% for the year, or excluding currency revaluation by 16.7%. In 2014, deposits increased by 9.4%. Funds of legal entities rose by 14.1%, a year earlier - by 32.2%.

The influx of customer funds when staging a lending market allowed banks to reduce refinancing on the regulator by 42.3%. A year earlier, the funds raised from the Bank of Russia by the banking sector rose by 109.2%.

At the end of 2015, the balance sheet profit of the banking system amounted to 192.0 billion rubles, which significantly less than the result for 2014 - 589 billion rubles. Of the current credit institutions in 2015, 25% of banks are unprofitable (a year earlier 15%).

- & nbsp- & nbsp-

The calculation is made on the internal method of Sberbank based on the Bank of Russia data corporate business.

4. Corporate business

The main achievements of 2015 in the field of working with corporate clients:

In the reporting year, Sberbank attracted a record amount of funds from corporate clients. The increase was 1.5 trillion rubles, and the residue reached the value of 7.4 trillion rubles.

Work on attracting funds of corporate clients was important, since during the year the bank replaced expensive funds of the Bank of Russia tools for customers.

The Bank has implemented innovative online services that facilitate customer management: business registration, reporting to federal tax service and other organs in in electronic format through Sberbank systems, reservation of the current account.

The overwhelming majority of operations Cleaners Sberbank are carried out in remote channels: 97% of operations are carried out through the Sberbank Business online service, 90% of customers use self-usage services in Sberbank's self-service devices (sum up to 100 thousand rubles), 98% of corporate customer deposits opens remotely.

All corporate clients of the bank have the opportunity to pay for counterparties to accounts in Sberbank without weekends in the 17x7 - current day with

6.00 to 23.00, including weekends and holidays.

Technical support for services for companies is appreciated at the CNews Awards Competition, where Sberbank, following the results of 2015, won the nomination "For the Organization of Technical Support of Corporate Clients".

Sberbank launched a remote banking service system for financial institutions Sberbank Finline - account management service and settlement documents in online mode with SWIFT formats support.

Sberbank is one of the key financial resource providers in the Russian economy. For 2015, Sberbank was issued loans to corporate clients in the amount of 6.8 trillion rubles. The loan portfolio to legal entities grew by 5.2% to 12.2 trillion rubles. Currency loans occupy about 37% of the loans portfolio to corporate clients. The Bank actively interacts with customers of a different scale and different forms of ownership. The portfolio segment structure is presented below.

- & nbsp- & nbsp-

Corporate Business Block "CIB"

Working with the largest clients in 2015 has developed a target business model of the CIB block. Criteria of classifying customers to segments changed: the criterion of annual revenue of the holding is increased from 15 to 30 billion rubles. In this regard, the transmission of part of the CIB block clients is a corporate business unit.

The new system of interaction with the client depends on the potential in terms of sales of products and profits. Customer service teams continue to work. Sales campaigns have begun on 9 products: salary projects, trading financing and documentary operations, foreign economic activity, conversion operations, acquiring, collection, revolutions for correspondent accounts, liabilities, MB & A products.

The position of the CIB operating manager is introduced as a single client's contact point with a bank for all operational issues. Changed the procedure for working with customer appeals: all appeals are now processed in the same center. The Hepl.CIB service supports client managers in all non-standard and controversial operating situations, which increases the efficiency of processing appeals and allows clients to receive individual answers to their requests.

A syndicated lending team Sberbank CIB in conjunction with the Association of Regional Banks of Russia has developed and submitted to the banking community standard documentation on syndicated lending in Russian law. In the current economic conditions, a syndicated loan allows major restructuring, including with the involvement of state guarantees, as well as to implement long-term financing of large investment projects in conjunction with other banks.

In 2015, the Bank introduced new products that enjoy high demand from customers. Among them are key +, domestic letters of credit with early payment and others. The direction of non-ferrous metals in commodity operations was launched, a number of transactions with zinc, copper, nickel, aluminum were concluded.

An infrastructure for lending to the yuan is formed. Agreements on cooperation on trade financing with leading Chinese banks in the amount of more than $ 4.5 billion were signed.

Regular practice was the meeting of Sberbank Investment Research with clients of territorial banks. In 2015, a conference was held "Metallurgy and Mining Industry. The production of fertilizers ", within which more than 200 business representatives, state bodies and industry experts managed to collect on one discussion platform. Despite complex macroeconomic conditions, the CIB customer satisfaction index according to the results of an independent study increased compared with the previous year by 1 point to 78.5.

From innovations in the technological sphere, you can allocate the launch by the Global Brokerage Platform Markets Department on the iPad and Options Trading Systems on the ORC platform. The automation of all the requirements of EMIR - European regulation of the derivative tools market is completed, which gives Sberbank access to this market.

Corporate business management of trading financing and correspondent relations has begun experimental and industrial operation of the remote banking service system for financial institutions Sberbank Finline. 11 financial institutions took part in the pilot. The system provides account management service and real-time documentation documents with support for SWIFT formats.

Sberbank continues to optimize the structure of its corporate business.

There is a transition to the target legal and organizational structure of CIB.

The CIB vertical is formed in the regions, highlighted verticals on lending, financing of real estate and monitoring of credit operations. The quality of project management in the CIB block is significantly improved - control over the implementation of projects is aligned with Sberbank standards. Conducted Due Diligence International CIB Offices.

Operations in global markets The main achievements in the direction of trading operations in the foreign exchange market in 2015 are associated with the implementation of large conversion transactions with corporate clients of more than $ 1 billion without influencing the course, with the launch of the new forward product with an open date, with operations optimization, Visa performed through the payment system, as well as with the launch of the Sberbank Markets electronic commerce platform.

Operations with currency derivatives and dynamic management of the credit risk of counterparties have developed.

New products are launched:

credit with integrated quanto-swap, guarantee of participation in the transaction and a collateral deposit.

Sberbank actively worked in the money market. The main market trend in 2015 is to reduce the volume of debt of credit organizations in rubles and US dollars to the monetary policy authorities, while refinancing occurred primarily due to the growth of short-term currency liabilities of banks. Against this background, Sberbank increased the reverse repo portfolio from 1.5 to $ 3 billion.

Also implemented new products that allow:

Place US dollars and euros through repo operations on the Moscow stock exchange both in the interdiek market and through the central counterparty;

Carry out operations of the securities loan without collateral, which allows the bank to attract additional liquidity;

Conclude repo transactions with a floating rate.

In the direction of trading operations on commodity markets, a number of iconic transactions were concluded, including the world's largest hedging transaction, the first transaction of the physical prepayment of oil, first for the bank hedging transactions with zinc, copper, nickel and aluminum.

The direction of trade in debt instruments is developing through working with clients to identify cross-interest in papers and due to the correct positioning on the market with a narrowing of spreads and falling yields.

Significant events of 2015 were:

A large transaction for the acquisition as part of a syndicate of OFZ banks with a floating coupon;

Corporate business

New Product - exchange bonds with a floating face value, where Sberbank made one of the underwriters of the debut output of OFZ with a face value attached to inflation;

The first transaction to acquire a credit note on a loan on Sberbank Sberbank Switzerland;

Registration of the Moscow Exchange of the Program of Structural Exchange Bonds of Sberbank on Russian Law: 34 Series of Bonds with a common nominal value of 50 billion rubles.

Market conditions in external restriction conditions did not allow to quickly increase turns in brokerage operations in promotions and derivatives for shares. Under these conditions, the Bank developed a technological platform for trading tools for shares: The ORC system is launched, automating derivative trading strategies, which allows to reduce operating costs and increase the speed of orders. Integration with the Turkish broker Deniz Yatrim - a subsidiary of Denizbank was completed, which expanded the product line and made Sberbank Broker oriented not only to Russia.

Successfully develops business in the markets of joint-stock and debt capital - ECM and DCM. In 2015, Sberbank CIB occupied a leading place to organize the market locations of ruble bonds according to CBonds. The bank published a new DCM segment for himself - debt management. In addition, the bank returned to the market of households of Eurobonds, successfully placed the first release of OFZ with indexation of the nominal in accordance with inflation, closed the first transaction for the "issue of rights" and received the first international mandate in the ECM market.

Cypriot office Sberbank CIB was awarded in 2015 two prestigious awards:

awards of the Cyprus Agency for Attracting Investment (CIPA) for a significant contribution to strengthening the image of Cyprus as an international business center;

the title of investment consultant of the year in Cyprus as part of the M & A A Awards 2015 competition organized by the British FINANCE MONTHLY edition.

Trade financing continues to successfully develop the direction of trade financing. In 2015, the volume of transactions implemented by the Sberbank of trade finance and documentary business transactions amounted to more than $ 29 billion, including PJSC Sberbank - over $ 18 billion.

The volume of transactions with the application of domestic letters of credit reached in 2015 a record amount of 288 billion rubles, by 73% exceeding the previous year.

In 2015, Sberbank released a new product to support the Russian business "Intra-Russian" uncovered "letter of credit with early payment." By this product The Bank is a source of financing a trade transaction and provides the opportunity to the Seller / Contractor to receive a payment before the end of the deferment provided for by the Contract and the terms of the letter of credit. This product is available to Russian companies acquiring or supplying goods / services in the Russian Federation.

The continuing strengthening of links between Russia and China opens new ample opportunities for trading financing. Sberbank signed a number of agreements with leading financial institutions in China with limits totaling corporate business over 12 billion yuan. Cooperation with Chinese banks is conducted over the entire line of commercial financing Sberbank. The new product of Sberbank - post-financing of letters of credit in the yuan - is actively gaining momentum. Sberbank released about 150 letters of credit in yuan for customers from many regions of Russia.

Supporting the growing demand from Russian exporters of capital consumer goods, Sberbank has formed one of the largest portfolios of transactions using the Insurance Coverage of the Russian Export Loans and Investment Insurance Agency (EXAR), which on January 1, 2016 exceeded 24 billion rubles.

Active cooperation continues with a number of foreign export-credit agencies Western and Eastern Europe, China and other countries. Negotiations are underway to expand the line of both long-term and short-term products with support for export and credit agencies in order to ensure maximum support for Sberbank customer operations with foreign exporters. In June 2015, a Memorandum of Understanding with the Italian Export and Credit Agency SACE was signed.

Another important business area that entered the phase of active development in 2015 was Commodity Trade Finance - financing the supply of commodities that Sberbank develops on a subsidiary in Switzerland. This product line is first of all for trading companies engaged in trade in the international oil, coal, metals, grain, etc. Customers of Sberbank's subsidiary in Switzerland are already the world's largest traders, as well as leaders of Russian exports of these industries.

The volume of implemented transactions in the direction of CTF providing mainly support for Russian exports amounted to more than $ 480 million, which made it possible to increase the portfolio in this area of \u200b\u200bbusiness by more than 3.5 times.

Sberbank traditionally receives high estimates of their activities in the field of trade finance, documentary and settlement business both in Russia and the international market. In 2015, Sberbank was recognized as the best bank in the field of trade finance in Russia and the CIS countries by leading international financial publications of Global Finance and Trade & Forfaiting Review. Sberbank is also the leader of the calculation market in domestic letters of credit under the study rating agency "Expert RA."

Block "Corporate Business"

Large and middle business Sberbank continues cooperation with corporate clients of large and medium-sized businesses and optimizes work in this segment. In general, this work is transformed in several directions: the degree of penetration of digital processes increases, the operating function of employees is reduced and shifted to the counseling area. An employee becomes not so much an operator as an assistant and partner who can advise the client to make the right decision of the business question. Such a service model involves the importance of personal contact, therefore the work of the contact center changes, remote client managers and food professionals appear.

Corporate business

A single sales management system for the entire vertical system covers the management functions of 900 VSP11 managers of the Corporate Business Block, 180 regional managers, 80 sales departments. The system unifies many processes at all levels and provides in the entire sales network a single business rhythm of planning and goaling.

The model of work with new corporate clients created on the basis of requests and wishes of the clients themselves made it possible to make the first 100 days of cooperation with the bank as transparent and comfortable for the client. The procedure of compulsory acquaintance with the head of the VSP and training of clients of online services was fundamentally new stages. The complete compliance of the proposed model of customer wishes has reduced to a minimum of outflow of new customers.

The creation of customer-grocery teams in working with medium and large business allows both new and existing clients to receive a set of banking services with the allocation of specialists. The union of employees based on common goals allows to replace the competitive interaction of the Bank's specialists on a coordinated movement to the maximum satisfaction of the needs of the client. Formation of a team for a regular group of customers, not a separate transaction, provides customers with the highest level of service.

Sberbank creates a product line for easy customer access to the type of borrowed funds and tools that they are most suitable. Online credit is launched when the client will be able to request and get a loan without a visit.

Electronic guarantee and electronic factoring are introduced.

For companies of the middle, large and largest business, the cache management tool is proposed, which is essentially a workplace Treasurer. With it, the client can manage its cash flows, monitor subsidiaries and branches, ensure the current liquidity of the holding-type companies.

Cooperation with bodies state power For 2015, 1,434 lending agreements in the amount of 397 billion rubles were concluded with the clients of the "Regional Gossector" segment. Total loan resources for 882 billion rubles. The rest of the loan debt of the clients of this segment as of January 1, 2016 amounted to 877 billion rubles. According to the Bank of Russia, the share of Sberbank in the market of lending to regional bodies of state administration of the subjects of the Russian Federation and bodies local governments As of January 1, 2016 amounted to 74.9%.

Small and microbusiness in Sberbank are serviced by 53% of the active clients of small and microbusiness. This is 1.18 million customers. In 2015, the Bank supplemented the service line for customers new, unique in the market, a comprehensive package "My Team", which includes business assistant, lawyer, accountant, and unlimited settlement and cash services: Account management, payments and cash reception on score. The bank prepares new non-financial services for the launch.

Internal structural division corporate business

The bank is working to ensure that the customer's business is more efficient. In particular, the service "Sberbank Analytics" has been developed, which uses the client to almost refuse the financial director. In a convenient interface, the client will be able to analyze and monitor its activities: income and expenses, counterparties, cash ruptures and much more.

It is implemented the possibility of choosing the most convenient for the corporate client of the Consultation Corporate Customer, which is especially important at the time of peak loads on the telephone line.

New customer communications channels are actively used:

feedback service on the bank's website and callback order, online Chat in InternetBanking. At the annual conference Focusforum newspaper Vedomosti Sberbank received a special prize "for customer-oriented" in a project based on corporate clients in the contact center. Sberbank also won the nomination "Project of the Year on the Organization of Technical Support of Corporate Customers" at the CNews Awards ceremony.

With the help of a small and microbusiness client development model based on mathematical models and allowing to significantly improve the quality of address proposals to customers, the Bank calculated the potential of each point of sale, which was used in the business planning process for 2016.

Interaction with government agencies is one of the key processes for the Russian entrepreneur. Sberbank has created products that simplify this process and help the entrepreneur correctly build interaction mechanisms within Russian legislation. Sberbank's customers have the opportunity to give reports to the federal tax service and other controlling authorities, conveniently and pay taxes on time. Work is underway on the integration of Sberbank's Internet banking with the taxpayer's office on the website of the Federal Tax Service.

In addition, customers may find out in an appendix about various public business support programs.

The Bank continues to cooperate with the Federal Corporation of Small and Medium Entrepreneurship JSC 12. The cooperation agreement concluded with the SME Corporation allows the Bank to involve guarantees in the form of providing the 1st category of quality on a wide list of credit products and bank guarantees for small and medium-sized businesses. Warranties can cover up to 70% of the main debt on the loan and can be attracted by SMEs in any subject of the Russian Federation. For 2015, under the guarantees of the SME Corporation, more than 2.5 thousand loans and guarantees in the amount of more than 21 billion rubles were issued. Sberbank share in the general portfolio of guarantees of the SMEs Corporation for the results of 2015 amounted to about 44%.

In 2015, the Bank issued loans to the subjects of SMEs under the guarantee of regional warranty organizations totaling 11.2 billion rubles. In 73 subjects of the Federation.

Sberbank supports customers who have lost their partner bank. For clients of credit institutions whose banking license is withdrawn by the Bank of Russia, there are special conditions: a free discovery of the account, a free organization of service using the Sberbank business system online and 3 months of service package "Basis" at a price of 1 ruble.

The project "Affiliate Program of the Business Environment", aimed at creating a channel to attract the Bank's customers through partners - agents, went to the project further - SME Corporation, before changing the name - NDKO Credit Guarantee JSC

Corporate business power. At the end of 2015, more than 42 thousand transactions were committed, in a partner network of 200 partners, the conversion in the transaction was 42%. One of the key focuss for 2016

- Creating a site of the aggregator of financial and insurance services in the market, connecting banks and insurance companies.

As part of the School of Business project, access to educational programs for business, and this is 170 video courses, received 26 thousand entrepreneurs. More than 35 thousand

entrepreneurs from various regions, including the most remote corners of the country, took part in all-Russian educational seminars. Speakers of seminars were business coaches and representatives of government bodies, successful businessmen. Today, about 80 thousand entrepreneurs regularly receive information about new educational events and advice from leading market experts in special information digests. One of the key focuss for 2016 is the organization on the basis of the "School of Business" of the largest platforms in Russia for distance learning of small companies, partnership with leading business schools, incubators, expert sites.

Services to corporate clients The Bank seeks to interact with the client comfortable and simple, starting from the moment of opening a business. The Bank provides the ability to register a business without a visit to the Federal Tax Service of Russia and reserve the client's account in 3 minutes.

When reserving the account, the entrepreneur receives a number that can be used to conclude contracts, and within 5 days it should visit the Bank to provide documents. The development is a process that requires changes in legislation when the account is not only reserved, but also opens without a visit to the bank. In order to enhance competitive positions, the Bank has expanded the functionality of the service: to reserve accounts can be available as part of the execution of the Federal Law of December 29, 2012 No. 275-FZ "On the State Defense Order".

Sberbank conducts systematic work on the development of remote customer service, putting a task to make basic services mobile and remote. About 1.3 million customers are connected to the Sberbank Business Service, the mobile version has downloaded more than 427 thousand users. By the end of 2015, 98% of payments were made through Sberbank Business online or his mobile application.

Through Sberbank passes 31% of all payments of the Russian Federation. In 2015, the Bank began to implement the settlement service for customers in 24x7 mode. By the end of the year, customers carrying out calculations in electronic form, inside the bank had the ability to pay with counterparties in mode 17x7, i.e. The current day from 6.00 to 23.00, including weekends and holidays. The plans are a massive client connection to this service and an increase in service availability to 20x7.

In early 2015, the E-Invocation electronic document management process between the bank and clients for the provision of invoices for the Bank's services was launched. By the end of the year, the share of invoices for the services of the bank sent to clients in electronic form using this service reached 85% of the total number of invoices issued by the Bank. A project on the paperless conduct of corporate client operations in Sberbank departments has begun.

From July 1, 2015, all territorial banks offer companies from self-usage services. The service allows customers to make money to the account through self-service devices. In the 4th quarter of 2015, more than 300 thousand customers took advantage of corporate business with such an opportunity. As a result, the number of acquisitions in the bank branches with the amounts of up to 100 thousand rubles was 2 times reduced. In 2016, interfilient calculations will be launched, which will allow the client to make money through self-service devices to the current account, open in Sberbank, anywhere in Russia.

In 2015, the Bank introduced an automated process of payment of insurance compensation to depositors - individual entrepreneurs of broken banks from the Deposit Insurance Agency Fund. Sberbank began to take part in contests on the selection of banks authorized to commit such payments, and from the beginning of 2016 began to pay insurance compensation on the accounts of individual entrepreneurs - clients of broken banks.

In 2015, Sberbank introduced a currency control module integrated into the banking system. This made it possible to abandon third-party software and optimize currency control processes, including to reduce the processing of currency control documents by 25%. Improved services for customers in remote banking systems. The possibility of filling out customer monetary control documents in interactive mode, receiving clients of bank control supervisors, to inform customers about the status of processing currency control documents, on possible violations of currency legislation, etc.

In order to improve management efficiency budget funds The agreement has been reached with the Office of the Federal Treasury on the start of using the Cash Management Services. 52 regional departments of the Federal Treasury and more than 31 thousand accounts for the maintenance of budget-headers are connected.

In the territorial banks introduced a service of banking support of investment contracts. The Bank carries out for its customers to control the expenditure of funds in accordance with the execution of investment projects.

The Bank provides customers with Sberbank Corporation Sberbank Customers.

Using this application, managers of group groups always have operational access to information on all accounts of their group in the bank. In this system, within the framework of the "Control and acceptance" service, the control of electronic registers of salary statements under contracts for crediting funds to the accounts of individuals was launched.

The payment calendar service has been introduced, which allows clients to plan upcoming expenses and projected receipts, including under contracts with counterparties. The service allows you to form a payment calendar of future periods.

Sberbank quality maintenance continues to track the level of satisfaction index and corporate customer loyalty. For 2015, the figure rose by 2 points to 67.

Significant growth occurred in estimates of large and medium-sized customers. Estimates of clients of small and micro business have not changed significantly.

As in 2014, the importance for customers of individual parameters of interaction with the bank is largely determined by difficult, especially for the small and micro business segment, the economic situation:

it remains a high significance of basic cash service services and their price parameters due to the fact that customers optimize their banking costs;

Corporate business is of great importance to the flexibility of the Bank when considering a credit application:

individual approach in business evaluation, lack of collateral, etc.

The indicator "The number of appeals to 1000 active customers" at the end of 2015 amounted to 6.3 pcs. A certain increase in appeals was recorded due to failures on the cash reception service in ATMs. According to the results of the analysis of problem areas, the Bank optimizes the processes. Since the end of 2015, the principle of "presumption of customer innocence" has been introduced in Sberbank when working with appeals: when receiving a claim, the funds are reimbursed by the Client, and then the claim is considered without the participation of the Client. A pilot on simplified consideration of claims of companies in which maximum amount Reimbursement increased from 600 to 1500 rubles. Circulation is scheduled for 2016.

Following the results of the pilot on the automated feedback from large and medium-sized businesses, after consideration of credit transactions, an appropriate project is being implemented, which includes the development of negative reviews and the operational solution to the problems of customers of all business segments.

Attracting corporate clients in 2015 in the need to replace expensive state-financing by customer funds, work on attracting corporate client funds was one of the most important areas of the bank's business.

The balance of corporate customers has increased by 25.1% to 7.4 trillion rubles.

The share of Sberbank in the aggregate amount of legal entities attracted by the banking system increased over the year from 21.9% to 25.0%. In the context of products, the share of current accounts has increased during the year - from 29% to 34% of the total means of corporate clients.

- & nbsp- & nbsp-

In 2015, Sberbank introduced a new service - placement of funds on public conditions available for users of remote service channels - online products. Customers can accommodate cash in a deposit and in the form of an uncompound balance at the current account on public conditions. Transactions are concluded without visiting the Bank's office by the Customer. According to these products, the loyalty system is valid, according to which customers placing cash in a deposit or an uncompressed residue re-receive interest income, further enlarged by 5-10 percentage points.

regarding online betting. The functionality of the service is expanding. Today, you can remotely recall the deposit early, to form an instruction to replenish it, to prolong the contract, receive an SMS and E-Mail notification of events under the contract.

Retail business

5. Retail business

Achievements of 2015 in retail business:

As of January 1, 2016, Sberbank attracted 10.2 trillion rubles. Individuals - historically maximum volume. The inflow of private clients for the year also record: +2.2 trillion rubles.

Sberbank has increased the portfolio of housing loans to 2.2 trillion rubles. and ranked 55% of the mortgage market. The bank began to provide borrowers not only the loan itself, but a set of services from their partners - realtors, insurance companies, notarial and registration authorities.

Mobile applications Sberbank online for Android and iPhone entered the list of best applications of the Google Play stores and the App Store in Russia, becoming the only financial product in both ratings.

Sberbank is recognized as a winner of the Award "Rights of Consumer and Quality of Service - 2015" as the most customer-oriented bank of Russia.

A high-quality transformation in the field of non-cash services began to occur.

Quantitative achievements (millions of active card holders, thousands of self-service devices, hundreds of thousands of POS-terminals in the trading network) and the best online bank in the market gave the effect of a high-quality jump.

The efforts of consultants in the offices and on the basis of active sales the number of connections to online services in 2015 increased several times: by the end of the year about 600 thousand online applications were connected per month.

The behavior of millions of Russians, in many respects thanks to Sberbank, began to change: the share of non-cash operations on Sberbank cards for the first time exceeded 50%, in 2015 there was an explosive growth of P2P translations - for the year Sberbank customers transferred to each other 2.4 trillion rubles.

A new model of office work - VSP 3.0 has been introduced. The offices appeared consultants who solve customer problems in place, successfully sell services. As a result, the level of operational errors gradually decreases, the queues are reduced.

Lending to private clients Retail loans occupy more than 23% of the Sberbank loan portfolio13.

A negative trend to reduce loan debt, marked in the first quarter of the reporting year, was reversed in the summer. As a result, over a year, private clients issued loans by more than 1.2 trillion rubles. The loan portfolio to individuals grew by 1.6% and reached 4,135 billion rubles. At the end of the year, the rust of both housing and consumer lending occurred, and the volume of housing lending increased. Sberbank share in the lending market increased by 2.8 percentage points. up to 38.7%.

Here, the loan portfolio of Sberbank includes: loans to banks, legal entities and individuals.

Retail business

- & nbsp- & nbsp-

Housing lending housing lending remained a priority product of Sberbank. The portfolio of mortgage loans for the year grew by 13.4%. Sberbank share for the debt balance in the housing market increased by 2.1 percentage points. and amounted to 55.0%.

In 2015, Sberbank took part in the program "Mortgage with state support", which extends to the finished and housing under construction on the primary market. From March 2015, 109 thousand loans were issued for 187 billion rubles. In addition, the spring was held a promotional action on the "acquisition of finished housing" (discount 0.3 percentage points, the initial contribution from 15%, the loan period of up to 8 years) and the provision of loans for "Country Real Estate" and "Construction of a residential building resumed "The product" Neamell loan secured by real estate has been launched.

To assist Sberbank borrowers with foreign exchange mortgage loans, the Bank proposed an individual setting of a loan conversion rate in rubles and a ruble interest rate after changes in the conditions of the currency loan.

Throughout the year, an action for young families was operating: discount 0.5 pp. To the basic level of interest rates, the lack of allowances to the interest rate for the period before the mortgage registration. For the year 101 thousand young families were able to take advantage of such loans totaling 153 billion rubles.

In July and August to 1.0 pp and 0.5 pp, respectively, interest rates were reduced on all mortgage products with the exception of the "military mortgage", the program "Mortgage with state support" and the product "non-target loan secured by real estate." After a decrease in the range of interest rates amounted to 11.4-14.5% per annum within the framework of basic mortgage products.

Retail business

By " Military Mortgage"In 2015, Sberbank issued 11 thousand loans in the amount of 20 billion rubles, the share of Sberbank in issued loans amounted to 34% 14, in the total volume of housing loans issued by Sberbank 3%.

At the end of the year to maintain sales on the product "Acquisition of finished housing"

the action "Unified Rate" was operated - a proposal with a fixed interest rate for each category of clients, independent of the size of the initial contribution, the loan period or the mortgage period. The interest rate for customers receiving wages on the Sberbank card amounted to 13.45% per annum, for the remaining categories of customers - 13.95%, taking into account the use of a special condition "Secured Credit". The decline for individual groups of clients within the framework of the action was 0.3-0.55 percentage points.

A large role in the development of mortgage plays the development of partner channels - a vertical-built vertical, which includes several business directions:

sale of mortgage products of the bank on the territory of developers and real estate agencies; support of customers with approved mortgage decisions before issuing a loan in special mortgage lending centers; Online services for mortgage clients and partners of the bank.

Partners are submitted by mortgage applications and approve of customer real estate objects through a specially developed B2B WEB system "Partner online". This system reduces the term of consideration of the credit application from 5 to 2 days. The share of applications submitted by partners, in the total number of Sberbank's mortgage applications for the year increased from 15% to 43%. Active users of the "Partner online" system are more than 24 thousand.

companies of partners of developers and real estate agencies.

In Moscow and Novosibirsk launched pilot project According to the provision of a remote "Personal Cabinet of the Borrower", in which the client can manage its mortgage transaction, share information with the partners and the Sberbank Manager.

Also in Moscow and Novosibirsk, a pilot project on online electronic registration of mortgage transactions was launched. You can now send registration documents at the center of the Sberbank's Mortgage Lending without visiting Rosreestra.

The development of housing lending is connected with new technical capabilities that have appeared from the bank and allowed to simplify the lending process. Thus, within the framework of the Federal Law 259-FZ of July 13, 2015, the Bank implemented an order of statements from a single state register of rights to real estate and transactions with it, as well as from the State Cadastre of Real Estate - through access to the Rosreestra information resource. Such interaction with government agencies greatly facilitates the client of the lending process.

Consumer lending Consumer loans, despite the reduction of the portfolio, remain the flagship in terms of interest income, ahead of other retailers. In 2015, Sberbank against the background of deterioration of retail risks retained the priority to hold the quality of the loan portfolio, focusing on attracting only high-quality borrowers. For the year, the portfolio of consumer loans and credit cards decreased by 7.6%.

According to FGKU "Rosvoenipotek"

Retail business share of Sberbank in the consumer loan market has increased from 32.6% to 33.2%.

The bank resumed applications for the provision of a "loan to individuals leading a personal subsidiary farm." To stimulate demand, the Bank reduced interest rates on the newly accepted applications for "consumer loan without collateral", "consumer loan under the guarantee of individuals" and "consumer credit for refinancing external loans" and twice - according to the "consumer loan servicemen - NIS15 participants" and "Loan to individuals leading personal subsidiary farm." Promotions were held, dedicated to the academic year and for New Year holidays.

In the first half of 2015, a technology was implemented to receive approval on loan applications in 15 minutes.

In October, all regions introduced a new technology for the provision of "trust loan for bank borrowers - individuals with existing lending agreements." The technology involves an increase in the number of refinanted customer loans to five, automatic verification of overdue debt on existing loans and repayment of existing loans when issuing a new product.

Credit cards Credit cards remain one of the important elements of the Bank's product line, which is successfully used to cross-sales existing customers. For the year, the Bank increased the amount of loan debt on credit cards from 410 to 441 billion rubles.

and strengthened the position of the leader of this market in Russia: the share in the credit card market has grown from 29.9% to 33.4%. The number of existing credit cards reached 15.6 million.

In 2015, within the framework of response measures, Sberbank increased interest rates on the newly executed credit cards.

Increased commission for removing cash from credit cards.

In April, the Bank introduced a temporary decrease procedure credit Limit According to the current credit cards. The procedure has affected customers who are delayed payments. The calculation of new limits is conducted on the basis of scoring model. From April, the limits are reduced in total by 28 billion rubles, which released 3.2 billion rubles. reserves.

The bank releases credit cards without PIN envelopes: the client independently assigns the PIN on its map at the time of its receipt. Since September, Sberbank customers can order a credit card with an approved limit of 50 thousand ATMs, where the Sirius platform is installed: Classic card can be immediately obtained in the nearest branch, and premium map Gold - a few days later.

Car loans A partner channel of car loans has been translated by Sberbank to a subsidiary Nethel. In 2015, Nethel Bank kept 1 place for issues in the car loan segment. The 1st place has survived from the Sberbank group to the size of the car loan portfolio. Despite the reduction in the sales market for new cars in Russia in 2015 by 35.7%, the volume of the bank's loan portfolio remained at the level of the previous year and amounted to 80 billion rubles. Network Bank continued cooperation with 23 car brands and concluded a number of agreements on its strengthening.

NIS - cumulative mortgage system Retail business Attracting private clients Attracting private customer funds and ensuring their safety remain the basis of the bank's business. Sberbank attracts funds to urgent deposits, demand deposits, including bank cards, savings certificates, bills and accounts in precious metals.

The volume of attracted funds of individuals involving term deposits, demand accounts and bank cards, as well as funds in precious metals for 2015 grew by 2.2 trillion rubles. And by January 1, 2016, exceeded 10.3 trillion rubles. The growth rate of the reporting year (27.2%) exceeded the growth rate of individuals of individuals at the forefront of the previous year (4.9%). The main increase occurred at the expense of urgent ruble deposits. The volume of currency deposits also increased in dollar equivalent.

Some deposits are open in remote channels.

- & nbsp- & nbsp-

During 2015, with a general market trend to reduce interest rates on deposits and with the dynamics of the key rates of the Bank of Russia, Sberbank has six times lower interest rates on deposits in rubles and currency, including on savings certificates of individuals.

Promotional shares on ruble products, maintaining a competitive level of foreign exchange deposits, as well as new deposits for wealthy customers allowed Sberbank to keep the market share on urgent deposits in rubles and significantly increase the share on foreign currency deposits.

- & nbsp- & nbsp-

As of January 1, 2016, more than 170 thousand clients have issued a package of Sberbank Prime Minister and more than 22 thousand VIP clients use the Sberbank Service Package. As part of these packages, customers receive premium debit cards for themselves and their loved ones, Priority Pass cards for access to the business halls of the world's largest airports, have the opportunity to take advantage of the preferential exchange rates and precious metals, as well as a discount on the use of safe cells. For each package there is a special line of deposits with an increased interest rate, as well as increased rates on savings accounts.

Retail business For clients of the upper mass segment From October 1, 2015, the Golden Services package was launched, which includes gold debit cards and insurance of traveling abroad for the whole family.

Interaction with the Pension Fund of the Russian Federation under contracts on the procedure for the procedure between the branch of PJSC Sberbank and the Department of the Pension Fund of the Russian Federation16 with the delivery of pensions paid by the Pension Fund of the Russian Federation concluded at the level of the subjects of the Russian Federation Sberbank proposes a service for pensioners and preferential categories of citizens: free reference On the types and sizes of pensions and other social payments of the FIU, enrolled in the account in Sberbank. The certificate is issued in any office of Sberbank or with the help of the Sberbank service online, as well as in ATMs and other self-service devices of the bank. The certificate of types and sizes of pensions allows pensioners to quickly receive detailed information about all types of PFR payments due to them and their size for the desired period.

The share of pensioners receiving retirement through the bank is constantly growing. The number of Russians entrusted to the payment of their pension Sberbank reached 24.8 million people.

1 Jan.16 1 Jan.15 The number of social pensioners receiving a pension after 24,789,919 23 291 132 Sberbank, people.

The share of pensioners receiving a pension through Sberbank, in a total of 59.0 56.2 of the number of social pensioners of the Russian Federation,% (excluding the number of pensioners of the Crimea) in Sberbank, the work with the "Social" segment is separately allocated. Improved level of protection of interests of pensioners for the preservation of their contributions from third-party encroachments. A memo for employees of offices for the protection of savings of retirees and people with disabilities from fraudulent actions of third parties has been developed. Now, having completed simple actions, employees of the offices can stop fraudsters, do not give them to take advantage of the credulity and fraudulently to force customers to make expenditure operations on accounts.

The registration of a retirement pension is simplified: the pension delivery application is automatically printed when opening an account, which releases 15 minutes of customer time and eliminates the time-consuming manual filling of props.

Work is underway so that pensioners can issue documents for the delivery of a pension remotely through personal Area on a single portal of public services.

Sources of non-interest income The main driver of increasing income growth in retail business in the last few years is: operations with bank cards, acquiring, payments and translations.

- & nbsp- & nbsp-

The growth of bank card emissions continues to accelerate the increase in card accounts.

The accumulation of Sberbank's share in the trading acquiring market has increased significantly - by 7.2 percentage points. up to 54.7%. Such a prominent breakthrough was possible due to the restructuring of the work of the business direction: at the level of territorial banks, independent divisions of the trading acquiring were created. For the year on the acquiring service Sberbank attracted 27 new federal key partners of various segments: clothes, equipment, pharmacies, electrical goods, services. The number of active trade and service points attracted to the acquiring service increased by 1.2 times and by the end of the year reached 552 thousand.

In August, a project began on special acquiring conditions for car dealers - for the first time in Russia, customers are provided with a bank card payment service.

The program works in 546 country car dealerships. Thanks to her, Sberbank attracted the acquiring service of the 8 largest Russian autodiets.

The Bank is actively developing Internet acquiring and has been attracted by 1,590 new partners for the year, growth is 5 times. Turnover on bank cards on the Internet amounted to 85 billion rubles, an increase of 1.8 times. Failure to airfare via telephone bank cards is implemented, replenishing the school catering cards. The total number of organizations using the Sberbank Internet Examining Service exceeds 2.2 thousand.

The increase in the volume of acquiring services is accompanied by new technologies in this area. The bank has introduced a single standard for technical support for the trade and service network for all regions, began receiving calls through the centralized support service 8-800 in 24/7. Lightkabinet works through which the speed of execution of partner requests has increased repeatedly, the issues are solved within the system without the use of mail and phone. Service Standardization will strengthen the competitive positions of Sberbank in the acquiring market and optimizes technical support costs.

The development of non-cash payment in public transport continues.

The pilot started at the Moscow Metro station "Kotelniki" Pilot on receiving contactless bank cards in turnstiles was expanded for another four stations where the tickets and vending machines for the sale of tickets are also equipped with acquiring equipment, and customers can pay for bank cards travel tickets.

Debit cards In 2015, Sberbank expanded the capabilities of customers with debit cards. Implemented the release of international bank cards with the function of travel retail business Treica ticket. In addition to the usual functional of the Sberbank debit card, the new card serves as a tool for travel in the transport infrastructure of Moscow.

Launched new service: Holders of any debit cards of Sberbank can transfers from their cards to any visa cards other Russian banks through the Sberbank system online, ATMs and mobile applications.

Since July, on the Sberbank website, there was an opportunity to order a map using your own photos from Instagram. In the future, it is planned to expand integration with social networks.

In 2015, more than 90 card issuance projects were implemented with individual design for salary customers, of which 44 projects are with universities. More than 370 thousand

customer will receive salary cards with an individual design. This makes salary Sberbank projects more attractive.

In all areas of Russia, the payment of wages to employees of enterprises occurs on convenient customers technology: the company provides the company on the Sberbank business online registry for crediting funds to its employees, the bank in online mode credits wages to employees cards, information about enrollments instantly becomes available to the company. The process is automated and the likelihood of operational errors is excluded.

Successfully introduced a new technology of salary enrollments by employees of federal companies with branches in different cities and regions of the country. According to a single registry, where employees of the company have bills in different branches of Sberbank, and due to them wage The bank independently lists the funds from the company's current account for salary accounts of its employees.

Sberbank optimizes card processes. According to the new technology of conversion operations for individuals, the conversion between maps inside Sberbank, as well as from the card to the contribution, occurs instantly at the rate recorded at the time of the operation. This eliminates the emergence of currency risk and customer complaints.

The processing of operations of international payment systems MasterCard and Visa is fully transferred to maintenance through the national payment card system.

In April, Sberbank launched the Piggy Bank service as part of the Sberbank service online.

This is an automatic translation of the customer's money from a debit card to the contribution to the specified client algorithm. The service is very popular: 150 thousand connections per year.

Payments and translations

In 2015, there was an increase in payments of individuals in favor of legal entities:

their average increased by 17% and amounted to 13 million per day. Growth occurred in all types of payments. The number of payments for utilities services was 2.8 million transactions per day (+ 20%) for cellular communication - 8.2 million per day (+ 18%). The stable growth of payments allowed Sberbank to strengthen the leadership positions in the payment market for utility utilities with a share of 39%. The market of payments for cellular Sberbank is a leader with a share of more than 44%. This result is achieved thanks to the active development of payments through the auto plane, Mobile Bank and Sberbank online.

The number of subscriptions for the service of the autoplating was 31.4 million units. Housing utilities is available in more than 100 cities of Russia. In 2015, the active promotion of non-cash payments began at the checkout: the share of payments accepted at the checkout using the card reached 7%. The share of payments taken using bar coding among receipts amounted to 81%.

Retail business Total translations for 2015 exceeded 9 trillion rubles, which is 1.5 times more than the previous year.

Insurance and welfare management 2015 was characterized for Sberbank near the significant results in terms of welfare business, contrary to negative trend. For the year, the client base rose from 7.5 to 13.2 million customers, the amount of assets under the management of the Group increased from 221 to 450 billion rubles. In 2015, more than 9.5 million products of welfare products were sold on the bank's network for individuals (insurance, retirement and investment products), 137 thousand insurance policies are issued to corporate clients.

The company Sberbank Life Insurance Once again confirmed leadership in the life insurance market with a share of 34%. The total amount of insurance fees amounted to 44 billion rubles. By the end of 2015, the cumulative number of clients of the company exceeded 5 million people. The company brought to the market a number of product innovations for VIPClients - an investment product with annuities and a product for international health insurance. In addition, the company in the reporting year was made a special focus on the quality of the client service, the result of which was the victory in the "Best Contact Center" nomination at the insurance market, including LIFE and Non-Life. The Bank of Russia included Sberbank Life Insurance SBC in the list of systemically significant insurance organizations.

In 2015, the non-state Pension Fund of Sberbank received pension savings of 2 million customers. NPF Sberbank became the leader in the mandatory pension insurance market in terms of clients and the amount of assets, the assets of the Foundation amounted to 260 billion rubles. At the end of the year, the accumulation of 1.4 million people will be transferred to the Sberbank NPF. In total customers with NPF Sberbank have become over 4 million Russians.

SB Sberbank Insurance LLC is the fastest growing company of the Russian insurance market.

The company's fees amounted to 3.7 billion rubles, of which 75% - the proportion of non-credit insurance; More than 30 products have been launched. Clients companies have become more than 1.5 million people throughout Russia. In the first year of active development, the company entered the TOP-10 Insurers in Russia for insurance of property of individuals and in Top-15 on online sales in Russia. Thus, for the year, the company moved from 119 places to 34th place on the total volume of fees, and also ranked 13th in the number of insurance policy sold.

Another growth leader was the "Sberbank's Insurance Broker". It is important to note that the company in the first year of work on the market has become profitable and according to the results of 12 months showed a steady increase in profits and the number of customers. According to the results of 2015, the company's net profit amounted to 108 million rubles, 15% of customers - market clients attracted from outside.

Sberbank Asset Management JSC strengthened leadership in the open impact market: the share exceeded 25% of the market. The company ranked 1st in revenue among all management companies, showing high results of investment funds management: flagship stock funds (OPIF Active Management Fund: + 42%), Bonds (OPIF Ilya Muromets: + 35%) and mixed investments (OPIF Balanced: + 38%) ranked first places among competitors for the year.

Specialized depositary According to the results of 2015, he entered the top 5 leaders in the market of depository services on mortgage papers.

Retail business In 2015, the implementation of a unique scale for the Russian insurance market of the project was launched - 8 thousand offices of Sberbank became points for receiving applications for the settlement of insurance cases of the Bank's customers.

Sberbank's depositary in 2015 is recognized as a leader in russian market Depository services, entered the number of best depositories in emerging markets, received Category Outperformer, Market Outperformer and Global Outperformer awards.

Sberbank's depositary serves 443 thousand depot accounts. The market value of customer assets on depositary accounting for 2015 increased from 3.5 to 4.2 trillion rubles. In the reporting year, the depository service of individual investment accounts of the depot has begun. On January 1, 2016, 49.2 thousand such accounts were open.

The provision of specialized depository services for insurance companies has begun. Contracts with 25 insurance companies are concluded, the total cost of controlled assets is 238 billion rubles.

Optimized securities storage locations, which made it possible to avoid reservation of 21.2 billion rubles. Under the investments of PJSC Sberbank in securities.

The international bank-issuer of depositary receipts was made by the annual online certification of the depositary as the keeper of Russian shares, which was carried out by the release and treatment of ADR / GDR in the Western markets.

The procedure of daily write-off of the Depositary Commission for changing the balance of securities on trade sections from the facial brokerage invoices of investors is implemented, including those who enjoy unsecured transactions.

The rules and forms are enacted to identify customers of the Depositary (legal entities and credit institutions) for FATCA's goals.

Development of remote service channels Sberbank continues to improve remote service channels. During the year, the network of self-service devices in accordance with the Bank's strategy decreased by 4 thousand devices and amounted to 52 thousand ATMs with a cash issuance function, 34 thousand.

without cash issuing17. The network of self-service devices has expanded with new software that provides customers with a single space for performing operations. In these devices (more than 53 thousand pieces), the client sees his operations carried out in the Internet bank of Sberbank online, can print on them a check-confirmation and repeat the payment on the template created earlier in the Internet bank.

The technical availability indicator for clients has increased from 93.2% to 95.1%. The share of inefficient self-service devices has decreased from 14.7% to 2.7%.

The number of active users of the Web version of Sberbank online increased from 17.9 to 24.6 million.

Sberbank released a new, unique version of the Sberbank mobile application online for the Android platform. The version has a built-in protection package with anti-virus software that protects not only the application, but also the phone itself. This made it possible to provide customers with a new functionality of payments and translations. Significant changes affected the design, which is built on the principles in accordance with Federal Law No. 54-FZ "On the use of cash registers in the implementation of cash cash settlements and (or) settlements using payment cards ", all Sberbank payment terminals are considered ATMs.

Retail business Material Design: three-dimensional surfaces, realistic animation when touched.

Focusing on the design of the design from Google, Sberbank made an application that meets the usual Android users graphic style.

Sberbank Online Internet Bank Mobile App for iPhone occupied 1st place in the Rating of mobile application banks for iPhone for the convenience of use published by USABILITYLAB.

The Bank has updated Sberbank applications online for all platforms: iOS, Android and WinPhone. Now for registration in the application does not need an ATM or web version of the Internet Bank - just enter the card number and confirm the authorization on the code from SMS. In the new version of the mobile application you can quickly transfer money not only to the Sberbank client, but also on the Visa and MasterCard cards of other Russian banks. For instant translation, it is enough to specify the recipient's card number. In the expense analysis service, you can create your own cost categories and transfer perfect operations to them, which allows you to better control everyday spending.

The number of active users of mobile applications Sberbank online reached 10.5 million people. The number of payments through mobile applications has grown 3.7 times and averages amounted to 24.3 million operations per month. The number of translations increased by 4.7 times and averaged 20.9 million operations per month. The number of connections to the SMS service "Mobile Bank" reached 89.2 million, the number of active users exceeded 26.8 million people.

A new model of service in the VSP In the second half of 2015, Sberbank implemented the most important project on the reorganization of work in offices serving individuals - VSP 3.0. The new model significantly changed the principle of operation, the main tool in which is an intelligent control system18. This automated system is based on consolidation and analysis of BIG DATA with more than 10 different bank systems. IUE determines deviations at all levels of management, up to each office employee and further sets targeted devices to managers to eliminate deviations. Thus, the front-line leaders are exempt from independent analytical work on the collection of reporting and search for deviations. Currently, ISU has 13.4 thousand active users, 1.3 million targeted tasks of VSP leaders are exhibited through it monthly. In the perimeter of tasks, the ISU includes deviations of 29 performance indicators, knowledge of banking products, customer conversion to bank products, the elimination of "Frying" and adaptation of newcomers.

The priorities of the head in 2015 began to manage sales, mentoring, work with clients. The model has increased operational quality in offices, as the operating and cash work, the prevention of risk events, the testing of complaints became the task of the allocated deputy heads of VSP. The model made it possible to release 6,000 full-time units of VSP staff and 1380 full-time managerial units, which reduced bank expenses by 4.6 billion rubles. in year.

For the maximum efficient adjustment settlement of customer issues in 700 business offices, service managers are allocated. About 85% of the questions further - the Most of the largest offices that account for more than 60% of all customer appeals recorded in VSP.

Retail business is solved by service managers in place, most of them are at the time of the client's appeal. The rest of the questions are transferred to the claim service.

The efficiency of sales managers has increased. For year, the number of products per day per manager has increased from 8.5 to 11.3 pcs.

Successfully develops the Institute of Consultants in VSP. For example, at the end of 2015, comprehensive sales began to customers with remote services. The total shaft of the selling products through consultants in December grew by 21% compared with October.

Within the framework of the new model, there is a transition to the concept of "atmosphere" in the office - for employees and customers. This is an integral climate measurement rate. For employees, this is the proportion of unlocked vacancies, because of which you have to work with an increased load, the share of processing, service intensity, performance of performance standards and the number of errors that affects the income level of employees. For customers, this is the number of reformatted offices, operating windows, the presence of "electronic queues", a convenient mode of operation.

The atmosphere in the offices is measured, tasks to eliminate deviations are set.

In 2015, there was a decrease in the flow of employees of offices by 21%.

The level of employee involvement has grown from 68% to 75%. For comparison: the best indicator for the world financial companies – 78%.

Retail sales model In the first half of 2015, the main focus of active sales bank did on promoting commissions and attracting funds to the public. For 2015, more than 154 million communications were sent with a proposal for deposits and savings certificates. The additional increase in raised funds at the expense of active sales campaigns amounted to 100 billion rubles.

From the second half of the year, active promotion of credit products resumed. At the same time, work on the mass personalization of active sales campaigns was carried out throughout the year. Thanks to campaigns consumer loans resumed in June on a mass scale, 99 billion rubles were additionally issued.

Active sales provided an additional issuance of 556 thousand credit cards. In June, for the first time, 500 thousand Sberbank customers received a personal video message with a credit card offer.

The most important achievement was the launch of individual pricing in the campaigns of active sales of consumer loans. Each client based on the model is assigned a personal interest rate, which is optimal for it.

The bank began using a new messaging channel - Viber Messenger.

Welcome information mailing with the possibility of transition to the Sberbank promotional page showed that 12 million customers are registered in Viber. A new communication method allows to reduce the cost of messages 5 times compared to SMS and deliver content to the client containing graphics and video.

Retail business

At the end of 2015, the number of active clients20 bank increased by 5.8% to 79.7 million people. As a result of working with the client base, the number of products on one client increased over the year from 2.33 to 2.62. This suggests that customers choose Sberbank more often as a "main" bank.

Quality of service for operational monitoring and continuous increase in customer satisfaction Sberbank continues to calculate key client experience metrics:

NPS21 - on the basis of all the experience of the client's interaction with the client's bank, ask to evaluate the readiness to recommend Sberbank to friends and acquaintances. The current Sberbank NPS value is 55%.

CSI22 - Immediately after the design of the product or solving its problem in the department, call to the Sberbank's contact center, receiving an answer to the appeal Bank asks the client to assess customer quality satisfaction in these channels. For the year more than 960 thousand customer responses were obtained. All low estimates are worked out, the identified problems of customers are solved.

Customer satisfaction studies have been conducted 7 product processes.

Based on the opinion of the clients, recommendations for changing 84 processes were prepared.

One of the key priorities is to work with customer appeals. More than 700 service managers work in offices and help customers in solving their problems "here and now."

Created "Customer Care Center", which is designed to optimize work with appeals, create a team of highly qualified specialists. The main plus center is a systematic and timely detection of root causes of customer appeals, transmitting them to a solution to the profile units.

Separately, work is underway with resonant appeals entering the address of the Bank's management and through social networks - 150 such problems have been decided for the year.

The "pulse" system is aimed at searching on the Internet tickets on the work of Sberbank23 departments. More than 37 thousand reviews were revealed, 1.5 thousand complaints are maintained in the bank. All negative reviews are taken to work, customers are provided with answers.

In test mode, a new service has been launched for employees - "My client". In the event that the employee has become aware of the client issue of familiar and relatives, it can transfer information to solve it in the right unit.

As examples, when client negative experience helped the bank to deal with the problem and find its process solution - a new technology of working with SMART Box bank cards. The VSP is equipped with special containers for storing cards, the client is active, which for the previous 3 months used the NET Promoter Score - the client's readiness induction index to recommend Sberbank to his friends and acquaintances. Adopted in world practice as a key indicator of customer loyalty.

CSI (Customer SatisFAction Index) is the customer satisfaction index on the list of parameters at the contact points. Key question of diagnostics: how much did you generally be satisfied with today's visit to the bank?

The search is carried out in four social networks: Foursquare, Instagram, VKontakte and Flamp Retail business creates an electronic card placement card in containers. The technology reduces the time of issuing a map of the client 1.5 times and labor costs to work with cards by 2 times.

Another example is a project that will allow real-time real-time verification of notarial powers in contact with the client to the bank offices. The introduction of the project will begin from the 1st quarter of 2016.

Sberbank introduces a paperless front-office project in all regions: over 70% deposit Operations, Translations, operations with savings certificates are performed on paperless technology. For 2015, 90 million documents signed electronically, 7,245 trees were stored. The "paperless front office" makes it possible to eliminate operational errors, verification of documents when closing an operational day, reduce paper consumption in offices by 15% and the need for storage for it by 20%.

Sberbank continues to work on abbreviations. In 2015, in 6,481 offices, customer expectation time in the queue is measured in automated mode using the queue management system. At the end of the year, 95% of customers who used the services of the bank were expected in the queue of no time set by the standard (10 minutes on a regular day and 14 minutes in peak hours). This indicator is performed in 97% of offices equipped with a queue management system.

Unified Distributed Contact Center24 Basic Development Priorities Contact Center Save: client satisfaction leadership, expansion of the range of services, efficiency.

The average timeout of the operator's response remains at a high level - 31 seconds for the results of 2015, a year earlier - 35 seconds. The service satisfaction index in the ERCC remained at the same level and amounted to 80%. The volumes of appeals increased by 22% compared to the previous year and amounted to 95 million calls.

The subscribers of cellular operators Beeline, MTS and MegaFon received the possibility of free dialing to the Sberbank contact center at 900 in the home network.

Bank clients have become available new service "Customer Code". With this code in an automated system, you can find out the balance, five recent operations, get the Sberbank Identifier online and block the card.

Samera opened a new, sixth, contact center platform. Currently, 200 jobs are organized, target accommodation - 730 seats.

In order to increase the involvement of employees, a new motivation system was introduced. The project of improving working conditions for the employees of the contact center in Omsk has been completed, the satisfaction of employees internally increased by 11 percentage points. up to 96%, employee outflow decreased by 9 pp up to 36%.

In March 2015, within the framework of the Business Forum Call Center World Forum took place

Ceremony of awarding "Crystal headset" - the central event in the world of Calcenters. Representatives of Yerkz Sberbank won three nominations:

"Parajector of the Year", "Best Monitoring Team" and "Best Small Team".

- & nbsp- & nbsp-

In 2015, the securities portfolio increased by 221 billion rubles. The most significant change has undergone a portfolio of securities available for sale.

This portfolio increased by 571 billion rubles, due to:

the acquisition of sovereign bonds and Eurobonds to increase the volume of highly liquid assets for managing the standard of short-term liquidity, entered into force from January 1, 2016;

positive currency reassessment of previously acquired Eurobonds;

the acquisition of ECP / CD of foreign banks with a rating above A urgency less than 6 months for the purpose of placing excess currency liquidity;

increase in investment by providing subsidiaries.

Management of risks

7. Risk management Integrated risk management of the risk management system is part of common system Group management and is aimed at ensuring sustainable development in the framework of the implementation of the development strategy approved by the Bank's Supervisory Board. The risk management system of the group25 complies with the requirements of the Bank of Russia and regulatory acts of the Russian Federation and takes into account the recommendations of the Basel Committee on Banking Supervision.

The following risks are recognized in the group: Credit risks of corporate and retail clients, country risk, credit risks of financial institutions, market risks of operations in financial markets, Risks ALM, Risk of loss due to change value real Estate, operational risk, legal risk, liquidity risk, compliance risk, tax risk, strategic risk, regulatory risk, risk of models, risk of loss of business reputation.

Identification of risks and assessment of their materiality is carried out in the group on an annual basis. For each risk recognized by essential, the control system is formed. The management functions of all substantial risks are distributed among the bank committees. The risk management at the integrated level is carried out by the Risk Committee of the Group, the Board and the Supervisory Board of the Bank.

The group implements a risk-cultural development project. The aim of the project is to form a behavior in employees, in which they openly discuss and react to existing and potential risks, and the formation of an internal mental installation of intolerance to ignoring, making risks and risk behavior of others. Risk culture complements existing formal mechanisms and is an integral part of the integrated risk management system. The group pays special attention to the behavior of employees as a practical manifestation of risk culture.

Credit risks Credit risk - the risk of losses associated with the loss of the value of a financial asset (loan, debt valuable paper held to repayment) due to a default or deterioration of the credit quality of the counterparty / issuer.

The risk of counterparty for operations in the financial markets is the risk associated with the reluctance / inability to complete and timely fulfillment of obligations under the transaction from the counterparty.

The risk of concentration (in terms of credit risk) is associated with the provision of large loans to a separate borrower / group of bound borrowers; concentration of debt for individual sectors of the economy, segments, portfolios, geographic regions; Similarly - for investments in securities.

The residual risk is the risk that risk reduction measures may not give the expected effect in connection with the implementation of legal risk, liquidity risk.

The risk management system is implemented at the level of the Group as a whole; Since PJSC Sberbank is the head organization of the group, part of the risk management information is presented in relation to the group.

Risk Management General Description of credit risk management The purpose of credit risk management is to determine and ensure the level of risk necessary to ensure the sustainable development of the group, a certain group development strategy and macroeconomic parameters.

Group tasks when managing credit risks:

implement a systematic approach to optimize the industry, regional and product structure of the portfolio in order to limit the level of credit risk;

increase the competitive advantages of the group due to a more accurate assessment of the risks and the implementation of risk management measures, including a decrease in the level of credit risk implemented;

maintain stability in the introduction of new, including more complex products.

The Group applies the following credit risk management methods:

risk warning to operation;

risk planning through the estimation of the level of expected losses;

limiting credit risk by establishing limits;

formation of reserves for coverage of possible losses for loans provided;

structuring transactions;

transactions management;

application of the system of powers when making decisions;

monitoring and level monitoring.

The credit risk assessment is carried out in general on the bank and on individual assets portfolios, as well as in the context of individual counterparties, countries, regions and industries. The assessment is based on statistical models of quantitative assessment of credit risk.

In 2015, Sberbank became the first bank in the Russian Federation, who submitted a petition to the Bank of Russia to apply internal rating approaches to assess credit risk in order to calculate capital adequacy regulations.

In 2016, the Bank will continue to develop internal risk assessment models, it is planned to use elements of artificial intelligence - self-study of scoring models and automatic adaptation to new situations in real time.

Assessment of individual risks of counterparties on transactions is carried out:

according to corporate clients, banks, small business entities, countries, subjects of the Russian Federation, municipalities, insurance and leasing companies: based on a system of credit ratings, as well as by building models of forecast cash flows or other important indicators;

Management of risks

according to individuals and subjects of the microbusiness: based on the scoring assessment of the counterparty solvency in accordance with the Rules of the Bank and Expressation.

Risk limitation and control of expected losses due to the default counterparty are carried out using a limit system limiting a credit risk operation. The volume of the limit is determined by the risk level of the counterparty, which depends on its financial position and other indicators: external influence, quality of management, assessment of business reputation. Separately allocated country limits.

To improve the quality of the loan portfolio in 2015, sectoral strategies were developed and approved.

Based on the principle of suspendedness and caution to cover the losses expected from the implementation of credit risk, subject to credit risk, the Bank and the Group form reserves for possible losses on loans and other possible losses. Reserves are formed in accordance with the requirements of the Bank of Russia, banking regulators, international standards of financial statements and domestic regulatory documents of the Bank and the Group as a whole, providing for the regular value of credit risk assessment (expected in the event of a loss credit risk) taking into account the internal credit ratings of counterparties.

In order to ensure proper adequacy of the procedures for assessing the level of credit risks and determine the amount of reserves for possible losses on loans, as well as a decrease in material and labor costs, when classified by the Bank provided by the Bank and the Group as a whole, portfolios of homogeneous loans, for which the reserve is formed without making professional judgments about credit risk level for each loan separately.

The group controls the concentration of large credit risks, compliance with prudential requirements, predicts the level of credit risks. This contains a list of groups of bound borrowers at the member group level, limits are established for borrowers, the portfolio is analyzed in the context of segments and products.

The main tool for reducing credit risk is to provide.

The need to make ensuring and the amount of adopted support depends on the risk of a borrower / transaction and fixed in the conditions of credit products.

For hedging credit risks, a deposit policy has been developed and applied, defining the basic principles and elements of the organization of work with collateral in lending. The collateral policy is aimed at improving the quality of the loan portfolio in terms of collateral. The quality of the deposit is determined by the probability of obtaining funds in the amount of the estimated collateral value when applying for a deposit or its implementation. The quality of the collateral is indirectly characterized by the list and the difference of risks conjugate and is determined by a number of factors: liquidity, accuracy of value determination, impairment risk, loss and damage risks, risks caused by the reasons of a legal nature, others.

The valuation of the pledge is made on the basis of an internal expert assessment of the Bank's specialists, evaluating independent appraisers or on the basis of the value of the pledge in accounting reporting Borrower with the use of discount.

The use of the guarantee of effective legal entities as property support requires the same assessment of the risks of the guarantor, like the borrower. The Bank conducts regular monitoring of mortgage assets in order to ensure control of risk management with quantitative, high-quality and cost parameters of pledge items, their legal affiliation, storage conditions and content. The frequency of monitoring is determined by: the requirements of the regulatory acts of the Bank of Russia, the terms of the provision credit Product, Provision type.

The current systems of limits and powers allow you to optimize the loan process and properly manage credit risk. Each territorial division and the group member group is assigned a risk profile that determines the authority to make decisions depending on the risk category of the application. In turn, the risk category of the application depends on the risk of a borrower, a cumulative limit on the borrower / group of bound borrowers, as well as the risk of transaction.

In 2016, it is planned to optimize the decision-making process on corporate clients and CIB clients, including building systems that allow for certain categories of clients to make decisions for 1 day in real time.

In terms of working with problem debt in 2015, behavioral scoring was introduced into the remote recovery of overdue debts on individual loans. In 2016, it is planned to introduce a single centralized retail recovery system, providing for the entire spectrum of problem debt settlement tools - remote, contact, outsourcing.

- & nbsp- & nbsp-

Backred loans on January 1, 2016 The volume of restructured legal entities loans is 2,097.5 billion rubles, their share in assets is 12.8% (January 1, 2015:

2 212.0 billion rubles. and 10.2%, respectively). Restructuring - Amendments to the initial substantial conditions of the prisoner with a debtor of a loan agreement in a more favorable side for it, not provided for by the initial substantial conditions loan agreement.

As of January 1, 2016, the volume of restructured loans of individuals in the loan portfolio amounted to 149.2 billion rubles, their share in assets - 0.7% (January 1, 2015: 72.5 billion rubles. And 0.3%, respectively). Typical options for restructuring involve an increase in the term of use of the loan, a change in the order of repayment management of the risk of debt on the loan, the refusal to charge failures is completely or partially, a change in the loan currency.

The level of concentration of large credit risks The Bank pays close attention to controlling the level of concentration of large credit risks. In accordance with the internal regulatory documents, the Bank has implemented the procedure for daily monitoring of large credit risks and forecast compliance with the requirements of Russian requirements for regulations26 H6 (maximum risk size per borrower or group of related borrowers) and H7 (the maximum size of large credit risks). To this end, accompaniment and monitoring of the list of large and related bank borrowers are carried out.

The share of loans of the 20 largest borrowers (groups of borrowers) 27 in 2015 has changed from 24.5% to 27.8% of customer loan portfolio. Among the largest borrowers of the Bank are representatives of various sectors of the economy, thus, the credit risk is sufficiently diversified.

Detailed information on the structure of loan debt debt and its quality is given in explanatory information that is part of the annual accounting (financial) reporting of PJSC Sberbank for 2015, drawn up in accordance with the requirements of the Bank of Russia and posted on the Sberbank website www.sberbank.com .

Liquidity risk The purpose of managing liquidity risk is to ensure the ability of the Bank unconditionally and in a timely manner to fulfill all its obligations to clients and counterparties, subject to the regulatory requirements of the Bank of Russia in the field of liquidity risk management both in the context of normal business and in crisis situations. The key document, on the basis of which evaluation, control and management of liquidity occurs, is the "Sberbank Policy for Liquidity Management". When managing the risk of liquidity, the Bank highlights the risks of regulatory, physical and structural liquidity.

Risk of regulatory liquidity - violation of regulatory restrictions on values mandatory standards liquidity established by the Bank of Russia (H2, H3, H4 and NGC). In order to manage the risk of regulatory liquidity, the Bank carries out weekly monitoring and forecast of mandatory liquidity standards for various time horizons. In addition, Sberbank has a limit system for the values \u200b\u200bof mandatory standards and liquidity indicators, which guarantees the observance of the Bank of Russia's restrictions on both the reporting and intravenous dates, taking into account possible oscillations of individual balance sheet items.

Instructions of the Bank of Russia "On Mandatory Regulations of Banks" (ed. Of 25.10.2013) of 03.12.2012 №139-and the indicator is designed as follows: Loan debt of the 20 largest companies (companies of companies) refers to the balance of the loan portfolio of legal entities and individuals ; and the numerator, and the denominator include urgent, overdue debts and cessia treaties; In the debt of 20 companies, the debt of subsidiaries of Sberbank is taken into account, and bank debt is not taken into account.

Risk management Risk of physical liquidity - the inability of the bank to fulfill its obligations to the counterparty in any currency due to the physical disadvantage of funds:

the impossibility of payment, loan issuance, etc. Physical Liquidity Risk Management Tools In the short term are a model for predicting the dynamics of the main balance sheet items in the section of the main currencies, control of available liquidity reserves. To cover the possible deficiency of liquidity exceeding the available reserve of funds, the Bank has tools for attracting additional liquidity, to which the operations of direct repo with the Bank of Russia, the Federal Treasury and market counterparties secured by securities, deposits of the Federal Treasury, Currency Swap Operations and Swap with precious metals, as well as attracting from the Bank of Russia on the guarantee of non-market assets and guarantees of credit institutions.

The risk of structural liquidity (risk of concentration) is the possibility of a significant deterioration in the physical or regulatory liquidity due to imbalances in the structure of assets and liabilities, including the high dependence of the passive base of the bank from one / several clients or sources of funding in a certain currency or on a certain period.

The approach to liquidity management during 2015 was largely determined by the current macroeconomic situation and the state of the Russian financial sector (sanctions against Russia from the EU and the United States, the volatility of the ruble exchange rate and other factors). However, thanks to flexible interest policy and effective management of the active and passive base, for 2015 the Bank managed to reduce the borrowing of the funds of the Bank of Russia and federal budget 3.0 trillion rubles. up to 0.8 trillion rubles. Basically, by attracting customer funds, as well as as a result of a reduction in cash in cash in the framework of optimizing cash management. As of January 1, 2016, the Bank maintains the volume of reserves both in rubles and in foreign currencies is sufficient for response in case of deterioration of the situation with liquidity level.

In 2015, the Bank of Russia announced the establishment of a Basel III short-term liquidity standards (NL, H26) as a prudential norm from January 1, 2016. The minimum permissible value of the standard for 2016 is 70%, followed by an annual increase of 10 percentage points before the achievement of 100% from January 1, 2019. The calculation of the Sberbank standard will be carried out at the Sberbank Group level. The Sberbank business plan provides for unconditional compliance with liquidity standards throughout 2016.

As of January 1, 2016, Sberbank with a margin complies with the limit values \u200b\u200bof mandatory liquidity regulations established by the Bank of Russia.

- & nbsp- & nbsp-

Risk Management Analysis of the Bank's assets and obligations to pay off the securities estimated at fair value through profit or loss, as well as the most liquid proportion of securities available for sale, are considered liquid assets, since they can be easily converted into cash in A short period of time. Such assets in the table below are placed in the category "Demand and less than 1 month." Assets with overdue maturity dates are "not installed" category in the amount of actually overdue payments.

to the Vostr. And from 1 to 6 months from 1 year old, over no rub. less than 1 month 6 months to 1 year to 3 years 3 years new

- & nbsp- & nbsp-

In 2015, there was a reduction in liquidity rupture in terms of up to 6 months, caused by the reduction in the volume of attracting funds from the Bank of Russia on the operations of direct repo and within the framework of the provision of the Bank of Russia No. 312-p. The urgency of such operations is mainly not exceeding 6 months. This reduction was compensated by attracting customer funds for various terms and sale of cash. It is also worth noting an increase in liquidity rupture on the horizon over 3 years mostly due to the reduction of residual urgency of loan debt.

Country risk Transfer risk - the risk of losses due to the impossibility of counterparties of a certain country (except sovereign counterparties) to satisfy their obligations in a currency other than the country of the counterparty for reasons other than standard risks (for reasons depending on the country's government, and not from the counterparty ).

The risk of national economies is the risk of losses due to the impossibility of either the unwillingness of sovereign counterparties of a certain country and the impossibility of the remaining counterparties of this country to meet their obligations in national currency for reasons other than standard risks (for reasons depending on the country's government, and not from the counterparty).

To limit and manage the risks taken by the Group for individual countries, a system of risk limits has been developed in the Bank. These limits limit the cumulative concentration of operations with counterparties of a separate country, including sovereign borrowers / issuers and government bodies.

Transfer risk is evaluated and capitalized within the framework of the procedures of the internal capital adequacy procedures carried out in the Bank, thereby ensuring that there is a sufficient amount of the Bank's available financial resources to cover possible losses in the implementation of this risk.

Management of risks

- & nbsp- & nbsp-

Groups of developed countries include: Australia, Austrian Republic, Great Duchy Luxembourg, Greek Republic, Ireland, Italian Republic, Canada, Kingdom of Belgium, Kingdom of Denmark, Kingdom of Spain, Kingdom of the Netherlands, Kingdom of Norway, Kingdom of Sweden, New Zealand, Portuguese Republic of United Kingdom of Great Britain and Northern Ireland, United States of America, Federal Republic of Germany, Finland Republic, French Republic, Swiss Confederation, Japan Risk Management

- & nbsp- & nbsp-

Market risks of operations in financial markets

Interest risk on the debt securities portfolio of the trading book - the risk arising from the unfavorable changes in the levels of market rates.

The stock risk of a trading book is a risk resulting from an adverse change in the focal securities quotations.

Management of risks

- & nbsp- & nbsp-

The increase in market risk as of January 1, 2016 compared to January 1, 2015 is caused by an increase in volatility caused by the shift of the historical window used to build possible scenarios for changing the price of tools in the portfolio. According to the method of assessing the magnitude of market risk, when building such scenarios, a historical window is used, which corresponds to a biennial period preceding the calculation date. In addition, the increase in market risk is also explained by the expansion of a set of financial instruments covered within the framework of the VAR calculation.

The lack of stock risk is due to the elimination of positions on shares in the trading portfolio on the balance of PJSC Sberbank in accordance with the decision on approval of the strategy for managing the shares portfolio.

Calculated at the aggregate position of the bank in financial instruments, including the position of the banking book, as well as on the total open currency position of the bank.

Risk management Percentage and currency risks of the banking book The interest and currency risks of the bank book - the risks of the emergence of financial losses on the positions of the banking book due to the unfavorable changes in interest rates, foreign currency courses and precious metals prices.

The main objectives of managing these types of risk are:

minimizing potential losses due to the implementation of interest and currency risks;

compliance with the requirements of regulators;

optimization of risk and yield ratio.

Interest risk of banking book Definition and sources of risk. The Bank assumes the interest rate risk associated with the influence of oscillations of market interest rates on cash flows.

The interest risk of the banking book includes:

percentage risk arising due to incomprehension of maturity (revision of interest rates) of assets and liabilities sensitive to changes in interest rates, with a parallel shift, change in inclination and form of yield curve;

the basic risk arising due to incomprehension of the degree of change in interest rates on assets and liabilities sensitive to changes in interest rates, with a similar time to repayment (the period for revising interest rates);

the risk of early repayment (revision of interest rates) of assets and obligations sensitive to changes in interest rates.

Interesting Risk Management in 2015. In 2015, the Group reduced the percentage risk in rubles as a result of the execution of the package of anti-crisis measures taken by the Bank's management. In the framework of the interest risk management of the Bank since 2016, the target position in percentage risk in rubles is established, to achieve which monitoring indicators for the volume and structure of product urgency are established, the execution of which is regularly discussed on the assets and liability management committee.

Assessment of interest risk. In order to assess interest risk, standardized shock is used in accordance with the recommendations of the Basel Committee.

Forecasting possible changes in interest rates is performed separately on the ruble position and aggregated on the currency position. The shock of interest rates is calculated as 1% and 99% quantilized distribution of changes in the average annual interest rate obtained using the method of historical simulations according to not less than the last 5 years. As base Base An indicative rate on ruble interest rates for 2 years (RUB IRS 2Y) is used to assess the interest rates in rubles for a period of 2 years (RUB IRS 2Y).

The influence of growth and incidence of interest rates on the profit of the Group is shown to tax on the horizon 1 year as of January 1, 2016 compared to January 1, 201530:

The data on the percentage risk of the banking book in rubles for PJSC Sberbank, which is most of the percentage risk of the Group's banking book in rubles. In foreign currencies, the data are given for the group on the last available date (August 1, 2015).

Management of risks

- & nbsp- & nbsp-

The change in the interest risk of a banking book in Russian rubles as of January 1, 2016 in relation to January 1, 2015 is mainly caused:

a decrease in short-term attractions from the Bank of Russia;

increasing the volume of portfolio of funds of individuals;

reducing the volatility of interest rates in Russian rubles.

The change in the interest risk of a banking book in Turkish lies on January 1, 2016 in relation to January 1, 2015 is due to the main increase in interest rates in Turkish lies, as well as the growth of the Denizbank Group's balance.

The change in the interest risk of a bank book in other foreign currencies as of January 1, 2016 in relation to January 1, 2015 is mainly caused:

increasing the volatility of interest rates in US dollars;

to the termination of the attraction of government funding by Sberbank in US dollars;

reducing the urgency of the loan portfolio of legal entities.

Currency risk of a bank book Bank is subject to currency risk due to the existence of open currency positions (ORP). The main sources of the ISP of the bank book are: lending operations and attracting in foreign currencies and revenues received in foreign currencies.

Currency risk is implemented due to adverse changes in currency exchange rates.

The bank consolidates the cumulative OSP Bank daily and manages the open currency position of the banking book in order to reduce currency risk. The Bank uses metabolic operations by calculating currency risks, forward contracts, as well as futures contracts for the US dollar to MICEX.

In 2014-2015, the bank closed the currency position of the banking book, as a result of which the bank did not suffer a loss due to a significant weakening of the course of the Russian ruble in relation to foreign currencies on the positions of the banking book.

Management of risks

- & nbsp- & nbsp-

Operational risk Operational risk - Risk of bank losses as a result of errors in the organization of processes, errors of employees or abuse of third parties, failures in operation information systems as well as due to external events.

As part of operating risk management, the Bank introduces the processes of collecting internal data on operational risk incidents, self-esteem and scenario analysis. To monitor the level of risk, a reporting system is used for leadership and collegial bodies involved in risk management processes. Risk reporting is formed on a daily, monthly and quarterly basis.

Data on risk assessments and incurred losses make it possible to identify risk concentration zones for the further development of a complex of measures that contribute to a decrease in the level of operational risk of the bank. Realized risk reduction activities are systemic and are aimed at improving existing processes and technologies for carrying out operations (reduced the risk of employee errors when performing operations, a number of risks associated with the release of credit cards, cards with overdraft, incorrect setting of currency exchange rates in bank systems) . Regular monitoring of the status of the implementation of measures and the level of residual risk, both from the structural divisions and on the part of the operating risks, as well as the leadership and collegial bodies of the Bank's management bodies and participants of the Group are made. An awareness of the bank's risk awareness increases: the level of information on the incidents implemented by incidents has almost tripled.

Allocations are regularly conducted by the amount of damage from large incidents of operational risk on the Bank's divisions. Data on damage takes into account the key indicators of the effectiveness of members of the Board, the curators of the functional blocks of the central office and the chairmen of territorial banks. In addition, the Bank has a rating of internal structural units in terms of operational risks in order to minimize them.

For more information on risk management procedures, as well as other key types of risk, such as risk of loss due to changes in property costs, legal risk, compliance risk, regulatory risk, tax risk, strategic risk and risk of models are provided in explanatory information, Included in the annual accounting (financial) reporting of PJSC Sberbank for 2015, compiled in accordance with the requirements of the Bank of Russia and posted on the Sberbank website on the Internet www.sberbank.com.

The table shows the total on the banking and tradebook 3 the highest values \u200b\u200bof the OVP, calculated in accordance with the instruction of the Bank of Russia 124-and.

Staff

8. Personnel General information about the staff for 2015 The actual number of Sberbank staff decreased by 4,492 employees to 271,231 employees. The reduction occurred mainly due to the reduction of blocks operational, retail and corporate business. A significant part of employees (46%) works directly with clients.

Personnel involvement in Sberbank pays great attention to the involvement of personnel. For this, a large-scale survey of employees is carried out every year. The feedback obtained according to the results is used to determine priorities in working with personnel.

In 2015, an involvement survey was first passed entirely in the online format, which increased the number of participants to 194 thousand people and expanded the geography of a survey to 346 cities. The Investigation Index for the second year in a row showed a significant increase - by 6.7 percentage points.

to 75.6 pp. The factors that have the greatest impact on the involvement of employees of Sberbank are: quality management of changes in the bank, including the quality of communications; top management - its level of competence, openness in communicating with employees, creating conditions for effective interaction;

the ability to effectively perform work is the rate of decision-making, simplicity of the coordination process, the ability to influence decisions, professionalism and compliance with the values \u200b\u200bof employees.

According to the survey results, a set of practical recommendations for the development of the Bank's corporate culture is formed. In 2016, the quality of communication will be raised during the change management process, estimates on values \u200b\u200bin all elements of the HR-cycle will be used when making personnel solutions. Work will be carried out on the development of leadership leadership in daily work, an increase in the discipline of timely informing about problems and errors.

The selection and adaptation in 2015 within the framework of the selection procedures in 2015, 54,554 new specialists and the leader were adopted to work in Sberbank. According to new standards of Sberbank, newly accepted employees are provided with a quick and high-quality commissioning, assistance in a new environment is provided.

For 2015, PJSC Sberbank and subsidiaries of the Bank passed practices and internships of more than 13,700 students. The program for the recruitment and development of university graduates is implemented in the CIB block.

In the framework of cooperation with educational institutions, more than 2,000 lectures were held from the Bank's employees, more than 100 different case competitions were held.

The HR-cycle in the Bank There is a single annual cycle of setting goals, evaluating performance and potential, career planning, development and promotion of employees - HR-cycle.

At the beginning of the year, on the basis of the Bank's strategic goals, the goals of top management for the quarters and the year are formed. Then goals are cascored down the levels of management and on the territory.

Personnel Evaluation of performance on employees is held every quarter, the results of work in December are summed up. According to the results of the assessment, feedback is given. In 2015, an assessment of the values \u200b\u200bof the Bank was also introduced in addition to evaluating performance. In 2015, 100% of employees were evaluating performance.

As applied to the Bank's leaders, an assessment tool is used - personnel commissions, on which collectively consider the potential and success of the head.

Following the results of the action plan for each employee, a list of employees recommended to participate in the personnel reserve to key positions of the bank is being consistent, the list of successors is consistent. In 2015, the personnel commissions passed 20 thousand.

leaders - 63% of their total number. In 2016, 100% of managers will be covered.

According to the evaluation results, employees form an individual development plan or improvement plan if an employee is recognized in an ineffective. In 2015, coverage such plans increased 15 times compared with 2014.

The bank has a personnel reserve for key positions. For other positions, continuity is being implemented. The personnel reserve consists of the effective managers with high potential, ready to take key positions in the Sberbank system over the next two years.

Following the work for the year, the employee receives feedback from the head, colleagues, subordinates, internal clients in 360 degree format.

In 2015, the mentoring system was fully introduced on the entire Sberbank, which allows the employee to develop on the experience of others. During the year, the instruments of mentoring were trained 12 thousand managers and most of them successfully apply mentoring tools in practice.

At full capacity earned Corporate University Sberbank, who was recognized as the best in the ranking of corporate education leaders according to RBC magazine.

For the year more than 25 thousand managers trained at the university. More than 200 managers were taught on KU programs within the Leaders ledger system.

In 2015, a new model of common bank professional competencies was developed. Created programs for which employees will be trained in 2016.

In 2015, 550,64732 specialists were trained. Developed 254 centralized training programs for specialists. At the end of the year, the level of satisfaction with learning programs was 9.4 points out of 10.

Corporate Benefits and Privileges The Bank provides all employees who have passed a trial period of voluntary health insurance and insurance against accidents and severe diseases.

Personnel Management Department and Economy Economy Far Eastern Federal University, Vladivostok Abstract .... »ISBN 978-5-17-061060-0, 978-5-226-01228-0 Abstract The book summarizes the answers to the main questions of the topic" World economy". The publication will help to systematize knowledge, gender ... "Ministry of Education and Science of the Russian Federation branch of the Federal State Budgetary Educational Institution of Higher Professional Prokopieva Julia Vladimirovna Methodical Support for the Application of Analytical Procedures in Process audit check Intangible assets Specialty 08.00.12 - "Accounting, statistics" dissertation author's abstract on competition of a scientific degree of candidate of economic sciences Orenburg - 2 ... "

"The total balance and economic theory of welfare so far our analysis concerned mainly the provisions of cases in separate markets. It was an analysis of partial equilibrium ... "

"Resolution of the Council on Financial Regulation and Monetary Policy of the Association of Regional Banks of Russia following the meeting on the topic" Project of the main areas of unified state monetary policy for 2 ... "

"Ministry of Agriculture of the Russian Federation Federal State Budgetary Educational Institution of Higher Professional Education" Kuban State Agrarian University "Faculty of Applied Informatics Working Property" Simulation Modeling "Direction Podg ..." UO "Belarusian State Economic University" Approve the first Vice-Rector _ VV . Osovsky "" 2016 Registration No. The program of pre-diploma practice for email us, we remove it within 1-2 business days.

Accounting (Financial) Reporting of PJSC "Sberbank of Russia"

Sberbank of Russia draws the attention of users to the fact that the indicators in this press release are calculated on the internal methodology of Sberbank of Russia. Data on January 1, 2014 takes into account events after the reporting date. Data on January 1, 2015 events after the reporting date are not taken into account.

The dynamics of the main articles of the report on financial results in 2014 relative to 2013:

- pure interest income increased by 18.3%;
- Clean commission income increased by 21.4%;
- Commission income not related to lending increased by 24.0%;
- operating income to total reserves increased by 26.8%;
- The cost of creating aggregate reserves amounted to 397.7 billion rubles. against 104.8 billion rubles;
- operating expenses increased by 9.6%;
- Profit before paying profit tax decreased by 14.3% and amounted to 400.1 billion rubles.
- Net profit amounted to 305.7 billion rubles. (excluding events after the reporting date) against 377.7 billion rubles. In 2013 (taking into account events after the reporting date). The main factors of increasing profits in 2014 are significant costs of reserves, an exception from the financial result of the revaluation of foreign currency investments in subsidiaries, as well as recognition from May 2014 a deferred tax liability due to changes in accounting rules.

Net interest income amounted to 853.7 billion rubles, which is 18.3% more than the previous year:

- Interest income increased by 313.4 billion rubles. due to the growth of the loans portfolio to legal entities and individuals;
- Interest expenses increased by 181.2 billion rubles. due to the increase in the volume of customer funds (both individuals and legal entities), as well as by increasing the volume and cost of attracting funds to the Bank of Russia; The cost of the federal treasury and the Bank of Russia in December has particularly increased after raising the key rate to 17%.

Clean commission income amounted to 276.9 billion rubles, which is 21.4% higher than the indicator for last year. Commission income not related to lending increased by 24.0%. The main contribution to the given growth was made operations with bank cards and the acquiring operation - their increase was 32.2% or 30.7 billion rubles for the year, and at the same time 14.9 billion rubles were earned in December. Such growth in December is due to a significant increase in the volume of operations of cardholders. In 2014, commission income from issuing bank guarantees, the sale of trading financing and documentary business, sales of insurance and investment products, also grew out the leading pace.

Net income from currency revaluation and trading operations in financial markets for 2014 amounted to 81.2 billion rubles, which is 3.7 times the volume of last year. The main impact was the creation of reserves for foreign currency loans due to the positive reassessment of these loans as a result of the ruble devaluation at the end of 2014 without the deterioration of the quality of the loans themselves (only for 4 quarters of 2014 - about 48 billion rubles). At the same time, according to the rules for regulating the open currency position of banks, reserves under impairment of currency loans were included in currency requirements and obligations to manage a currency position. The revaluation of these requirements and obligations, as well as all currency assets and liabilities nominated in currency, reflected in the income of trading operations. Thus, the creation of reserves on foreign currency loans technically affected the growth of income on trading operations.

In general, operating income to total reserves increased by 26.8% and exceeded 1.25 trillion rubles.

Operating expenses increased by 9.6%. The ratio of costs for income decreased by 5.8 pp. Up to 36.6% at the expense of the spending optimization programs carried out in Sberbank. The growth rate of operating income to the aggregate reserves (26.8%) significantly exceeds the growth of operating expenses (9.6%).

The costs of total reserves for 2014 amounted to 397.7 billion rubles. against 104.8 billion rubles. a year earlier. More than 45% of the growth of reserves accounted for the 4th quarter. During this quarter, the volume of reserves was influenced by a sharp weakening of the ruble rate in relation to major currencies, which technically entailed the innocence of reserves on currency loans without worsening quality on them. In addition, the reserve was sent for a number of large Ukrainian borrowers in connection with the deterioration of the situation in Ukraine.

In general, the Bank continues to form reserves for possible losses in accordance with the requirements of the Bank of Russia, adhering to a conservative approach to coverage of existing credit risks. The reserves created on the balance exceed overdue debt 2.6 times (as of January 1, 2014 2.2 times).

Profit before payment tax fell by 14.3% with respect to 2013 and amounted to 400.1 billion rubles. Net profit amounted to 305.7 billion rubles. (excluding events after the reporting date) against 377.7 billion rubles. In 2013 (taking into account events after the reporting date).

Assets for the year rose by 33.2% and amounted to 21.8 trillion rubles. Almost a third increases for the positive revaluation of the currency component of assets as a result of the weakening of the ruble. Most of all the balance of loans to legal and individuals increased in the bank's balance sheet.

In December, the Bank provided corporate customers loans in the amount of 1.4 trillion rubles. In just a year, about 8 trillion rubles were issued. - 8.8% more than a year earlier. Credit portfolio of corporate clients increased by December 893 billion rubles. In general, for the year, the portfolio grew by 3.1 trillion rubles. or by 36.3% and amounted to 11.7 trillion rubles. Growth is due to both new loans issues and positive revaluation of previously issued currency loans arising from changes in currency courses.

Private customers in December issued more than 200 billion rubles, from the beginning of the year 2 trillion rubles. Loans, which is 10% higher than the amount of issuance last year without accounting for credit card revolutions. Private customer loan portfolio increased by 55 billion rubles. For the year, the portfolio grew by 737 billion rubles. or by 22.1% and amounted to almost 4.1 trillion rubles. About half of the bank's retail portfolio constitute housing loans.

The share of overdue debt in the loan portfolio as of January 1, 2015 amounted to 2.0%, decreasing for the year by 0.2 percentage points.

The volume of investments in securities per year decreased by 35.9 billion rubles. or by 1.8%. Their remainder as of January 1, 2015 amounted to 1.9 trillion rubles.

Funds of legal entities in December increased by 966 billion rubles. Due to the seasonal growth of urgent deposits and reassessment of previously attracted currency funds. The increase in general for the year amounted to 1,949 billion rubles. or 62.5%. The balance of legal entities as of January 1, 2015 amounted to 5.1 trillion rubles.

Funds of individuals for December rose by 192 billion rubles. Both by the inflow of funds and by reassessing currency deposits. For the year of individuals increased by 473 billion rubles. or 5.9% and on January 1, 2015 amounted to 8.5 trillion rubles.

The values \u200b\u200bof the basic and fixed capital of Sberbank coincide due to the absence of sources of additional capital and on operational data on January 1, 2015 amount to 1,630 billion rubles. The value of total capital on the same date is 2,254 billion rubles.

- H1.1 - 8.2% (minimum value established by the Bank of Russia, 5%)
- H1.2 - 8.2% (minimum value established by the Bank of Russia, 5.5%)
- H1.0 - 11.2% (minimum value, taking into account the requirements of the Law "On Insurance of Deposit" 10%).

Introduction 2.

1. General characteristics of PJSC Sberbank Russia 3

2. Organizational structure of Sberbank of Russia

3. Analysis of Financial and Economic Activities PJSC 4

"Sberbank of Russia"

4. Organization of the work of the Bank's credit department 7

Conclusion 11.

List of sources used 12

Applications

Introduction

Credit organizations play a crucial role in the development of market relations and the creation of commercial structures. Credit organizations, for the most part - banks are the largest cash holders and are able to influence the development of any national economy. The disadvantages of the Bank's economic security are reflected not only on its employees and management personnel, but also on customers, shareholders. Banks play one of the most important roles in the national economy, so the problems of their economic security, which are primarily expressed in the preservation of their financial stability, are the most significant for the state economy. Also, modern computer technology in the banking industry brings new types of threats.

The paper presents a description of the modern banking system of the Russian Federation; Features of the functioning of commercial banks and ways to ensure their safety. Description of the activities of OJSC Sberbank of Russia, its structures and business processes of the economic security department.

The subject of research is the relationship arising in the lending process by the commercial bank of customers.

The object of the study is the Department of Economic Security of OJSC Sberbank of Russia.

The purpose of the work is to identify the methods and methods for ensuring economic security in credit organizations

Based on the purpose, the following tasks are delivered in the work:

Consider the history of PJSC Sberbank of Russia
Examine the organizational structure of PJSC Sberbank of Russia
Identify the priority activities of the bank
Reveal the essence of the bank's credit policy
Disclose the structure and main functions of the Credit Department of Sberbank of Russia.

1 General characteristics of the Sberbank PJSC Russia

The history of PJSC Sberbank begins with the registered decree of King Nicholas from 1841 on the establishment of savings receipters, the first of which opened in St. Petersburg in 1842 ... after a century and a half - in 1987 - a specialized bank of labor savings was created on the basis of state labor savings. and lending to the population - Sberbank of the USSR, which also served 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 joint-stock commercial bank, legally established at the General Meeting of Shareholders on March 22, 1991. In 1991, Sberbank became the ownership of the Central Bank of the Russian Federation and was registered as "Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia)".

Sberbank to this day is the favorite brainchild of the Bank of Russia, which owns over 57% of the shares. In many ways, thanks to the support of the Bank of Russia and the increase in commissions for settlement services, Sberbank managed to withstand the default on the GKO-OFZ of 1998 (at that time the share of state debt obligations in Sberbank's assets was 52%, and there were only 21% of net assets to the loan portfolio) .