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Introduction
I. a brief description of Sberbank of Russia
2 Purpose of education and legal framework
1.3 Basic provisions of the charter
1.4 Organizational structure
5 Bank management
8 Personnel policy of the Bank
9 Regulation on commercial secrets of the Bank
1 Priority line of action
2 Credit policy
2.4 Procedure for issuing cards
5 Operations in the primary and secondary securities markets
2.6 Foreign exchange operations of the bank
Conclusion
Applications
sberbank charter personnel market
annotation
I, Daniyar Damirovich Abulkhanov, was sent for practical training at the additional office of Sberbank of Russia No. 8610/0058.
Gataullina Raila Ilgizarovna, who is the deputy head of this unit, was appointed as the head of the practice, who provided guidance to the practice.
During industrial practice I was allowed to study internal documents, including those constituting a commercial secret.
In the process of practical training, I was able to compare the theoretical knowledge acquired by me during the educational process with practical activity.
Introduction
Savings bank Russian Federation- the oldest bank in the country and the only bank that has retained its structure after the collapse of the USSR. New economic realities, market reforms in the early 90s required major changes in the Bank's work, a quick response to the changing situation. The main tasks of the first years of activity in the new conditions were the tasks of preserving the integrity of the Bank's system, maintaining positions in the market of retail banking services and household deposits, creating a material and technical base that would provide the necessary conditions for customer service. The solution of these tasks became possible due to the strict centralization of the Bank's management structure. By 1996, the period of hyperinflation had ended and the economic situation in the country had changed significantly. The main task was solved by the Bank: the system of Sberbank of Russia has survived and retained its foundation. The bank has formed a stable resource base, increased the potential of branches and branches. The Bank was faced with the task of efficiently managing the attracted resources. The Concept for the Development of Sberbank of Russia until 2000, adopted in 1996 by a meeting of shareholders, was aimed at transforming into a universal commercial bank, in particular, through the development of banking services corporate clients while maintaining specialization and leadership in the retail services market. The concept emphasized the priority of the Bank's participation in solving the urgent and today nationwide tasks of improving the monetary credit relations, development of the domestic economy, participation in large state projects of great social importance.
The results achieved by Sberbank during this period show that the set goal has been achieved and the necessary foundation has been created for further development. Despite the extremely unfavorable conditions in which the Concept was implemented (2 financial crises, a crisis in the banking system), Sberbank is stable, dynamically developing and retains the status of the largest commercial bank in the country.
The economic results achieved by Russia in 1999 and in the first months of 2000 inspired considerable optimism: for the first time in the years of reforms, the GDP grew noticeably, the decline in industrial production in 1998 was compensated, and industrial output exceeded the pre-crisis level. Positive trends in the economy create the basis for expanding banking operations, allow Sberbank of Russia to use the accumulated resource base more efficiently, expand the scope of possible investments, and increase the need for customers to receive high-quality banking services.
The task of the development concept of Sberbank of Russia until 2005 is "to reach a qualitatively new level of customer service, to maintain the position of a modern first-class competitive the largest bank Eastern Europe "were also successfully resolved. A system was created that is resistant to possible economic shocks in Russia and abroad, through the optimal distribution of proportions between the three main areas of activity - work with individuals, legal entities and the state."
In the development strategy of Sberbank until 2014, developed in 2008, ambitious goals were set: threefold growth in profit, return on equity of at least 20%, strengthening of competitive positions, reaching international markets... In most areas, it was possible to reverse the trend of falling market share and strengthen the Bank's market positions.
The presence in the financial and insurance markets was also expanded. Summing up, we can safely say that Sberbank is stable, dynamically developing and retains the status of the largest commercial bank in the country.
I. Brief history, characteristics of the bank and the main directions of its activities
1 Development history of Sberbank of Russia
The history of Sberbank of Russia begins with the personal decree of Tsar Nicholas from 1841 on the establishment of savings banks. A century and a half later - in 1987 - on the basis of state labor savings banks, a specialized Bank for labor savings and lending to the population - Sberbank of the USSR, was created, which also served legal entities. The Sberbank of the USSR included 15 republican banks, including the Russian Republican Bank.
In July 1990, by a resolution of the Supreme Soviet of the RSFSR, the Russian Republican Bank of Sberbank of the USSR was declared the property of the RSFSR. In December 1990, it 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 property of the Central Bank of the Russian Federation and was registered as "Joint Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia)".
As a result of the IPO, institutional investors got 45% of the shares, while individuals - 5%. This is the only bank that the Central Bank controls not only as a regulator, but also as a shareholder. Since October 2007, Sberbank has been headed by a former minister economic development German Gref.
1.2 Purpose of education and legal framework
In the Russian Federation, the creation and operation of commercial banks, the legal regulation of banking activities is based on the Federal Law "On Banks and Banking Activities", adopted on 03.02.96, the Federal Law "On the Central Bank of the Russian Federation" dated 26.04.95, the Constitution of the Russian Federation and others. Federal Laws, regulations of the Bank of Russia.
Commercial banks operate on the basis of the Charter, which is adopted by its participants.
Banks' relationships with customers are based on contracts. The bank and enterprises, entering into contractual relations with each other, strive for the implementation of their self-supporting interests, effective cooperation.
Supervision over the activities of commercial banks is carried out by institutions of the Central Bank of the Russian Federation, which monitor compliance with mandatory economic standards in order to maintain the reliability and liquidity of the banking system (Instruction No. 1 "On the procedure for regulating activities credit institutions"dated 01.30.96) and check the correctness of the implementation of banking legislation and regulations of the Central Bank of the Russian Federation.
The Savings Bank of the Russian Federation was established on a shareholder basis. Shares are placed among legal entities and individuals. The Central Bank of the Russian Federation is the controlling shareholder of 50% +1 voting share. Shareholders are liable for the bank's obligations up to the amount of their shares, i.e. contribution to the authorized capital.
Sberbank is a legal entity with all the characteristics inherent in a legal entity. Sberbank of the Russian Federation is a co-founder or participates with its capital in the activities of more than 100 commercial banks, insurance and financial companies, trading houses, investment funds... Sberbank has a general license to carry out international credit and settlement and foreign exchange transactions, being an authorized bank.
The Bank's mission is to meet the needs of every client, including private, corporate and public, throughout Russia for high quality and reliable banking services, ensuring the stable functioning of the Russian banking system, saving household deposits and investing them in the real sector, contributing to development economy of Russia.
The "slogan of the Bank" is to be "at home" for a private depositor, respectable in the eyes of a corporate client, a support and assistant for the state, a recognized authority at the international level.
3 Basic provisions of the charter
The name of the bank and its location (postal and legal address);
· A list of banking operations performed by him;
· The size of the authorized capital, reserve and other funds formed by the bank;
· An indication that the bank is a legal entity and operates on a commercial basis;
· Data on the bank's governing bodies, the order of formation and functions.
The Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia), hereinafter referred to as the "Bank", was created in the form of a joint-stock company in accordance with the Law of the RSFSR "On Banks and Banking Activities in the RSFSR" dated December 2, 1990. The founder of the Bank is the Central Bank of the Russian Federation , hereinafter referred to as the "Bank of Russia".
Firm (full official) name of the Bank: Joint-Stock Commercial Savings Bank of the Russian Federation (open joint-stock company); abbreviated name: Sberbank of Russia OJSC;
The Bank is part of the banking system of the Russian Federation and in its activities is governed by the legislation of the Russian Federation, regulatory documents Bank of Russia, as well as this Charter.
The Bank's shareholders can be legal entities and individuals, including foreign ones, in accordance with the legislation of the Russian Federation.
The Bank is created without limitation of the term of activity and carries out its activities on the basis of the license of the Bank of Russia.
The main purpose of the Bank's activities is to attract Money from physical and legal entities, the implementation of credit and settlement and other banking operations and transactions with individuals and legal entities for profit.
The authorized capital of the Bank is formed in the amount of 1,000,000,000 rubles and is divided into 19,000,000 ordinary shares with a par value of 50 rubles and 50,000,000 preferred shares with a par value of 1 ruble.
The authorized capital of the Bank is total amount the par value of the Bank's shares acquired by the shareholders and determines minimum size property of the Bank, guaranteeing the interests of its creditors.
The maximum number of authorized ordinary shares is 10,000,000 with a par value of 50 rubles.
All shares of the Bank are registered. The Bank places ordinary and preferred shares.
The Bank has full economic independence in matters of distribution of net profit.
The balance sheet and net profit of the Bank is determined in the manner prescribed by the legislation of the Russian Federation. The corresponding taxes and other obligatory payments to the budget are paid from the balance sheet profit. The Bank's net profit remains at the disposal of the Bank and, by decision of the general meeting of shareholders, is sent to reserve fund, for the formation of other funds of the Bank, and is also distributed among shareholders in the form of dividends, for other purposes in accordance with current legislation Russian Federation.
The Bank's credit resources are formed by:
· The Bank's own funds (except for the cost of fixed assets acquired by it, investments in shares in the authorized capital of banks and other legal entities and other immobilized funds);
· Funds of legal entities in their accounts with the Bank;
· Deposits of individuals attracted for a certain period and on demand;
· Loans received from other banks;
· Other borrowed funds.
The Bank's profit not distributed during the financial year can be used as resources for lending.
The Bank shall deposit with the Bank of Russia, in the amount and procedure established by it, a part of the attracted funds in the required reserves, in accordance with the rules and regulations established for the Bank.
The Bank guarantees the secrecy of operations, accounts and deposits of its clients and correspondents.
The Bank maintains accounting records and provides financial and other reports in accordance with the procedure established by the legislation of the Russian Federation and other regulatory legal acts, including regulations Bank of Russia.
The Bank carries out mandatory disclosure of information in the amount and in the manner established by the legislation of the Russian Federation, the federal executive body for the securities market and the Bank of Russia.
The Supervisory Board carries out general management of the Bank's activities, except for resolving issues within the competence of the general meeting of shareholders.
The management of the current activities of the Bank is carried out by the Management Board and the President, Chairman of the Management Board of the Bank.
The rights and obligations of the President, Chairman of the Management Board and members of the Management Board are determined in accordance with the current legislation and the agreement concluded by each of them with the Bank. The Agreement on behalf of the Bank is signed by the Chairman of the Supervisory Board or a person authorized by the Supervisory Board.
The Supervisory Board has the right to terminate the agreement with the President, Chairman of the Management Board and members of the Management Board at any time.
Control over the financial and economic activities of the Bank is carried out by the Audit Commission elected by the General Meeting of Shareholders of the Bank for a period of one year in the amount of 7 members.
Members of the Audit Commission cannot simultaneously be members of the Supervisory Board, as well as hold other positions in the management bodies of the Bank.
Shares owned personally by members of the Bank's Supervisory Board or by persons holding positions in the Bank's management bodies cannot participate in voting when electing members of the Bank's Internal Audit Commission.
The Bank can be liquidated or reorganized in accordance with the current legislation of the Russian Federation.
All amendments and additions made to the Bank's Charter and adopted by the general meeting of shareholders or the Supervisory Board in accordance with its competence are registered with the Bank of Russia in accordance with the established procedure.
1.4 Organizational structure
Branches of the Bank (regional banks, branches) are not endowed with the rights of legal entities and act on the basis of the Regulations approved by the Board of the Bank, have a seal depicting the Bank's emblem with their name, as well as other seals and stamps, have a balance that is included in the balance of the Bank.
Changes to the Charter related to the opening, closing of branches and changing their status are made by the decision of the Bank's Supervisory Board at least once a year.
Branches of the Bank (territorial banks) are headed by Chairmen appointed by the President, Chairman of the Management Board of the Bank, branches (departments) - by managers appointed according to the established nomenclature.
The hiring and dismissal of employees of branches, the conclusion of labor agreements (contracts) with them is carried out by the head of the branch according to the established nomenclature.
Internal structural divisions (operational cash desks outside the cash register, exchange offices and additional offices) of the territorial bank are opened, closed, reassigned by the decision of the board of the territorial bank; internal structural subdivisions of the branch - by decision of the board of the territorial bank, in the organizational subordination of which the branch is located; internal structural divisions of a branch in Moscow - by order of the President, Chairman of the Management Board of the Bank in accordance with the procedure established by the Bank and the Bank of Russia.
1.5 Bank management
Governing bodies Savings bank RF are: the General Meeting of Shareholders, the Council of the Bank and the Board of Directors of the Bank. The supreme governing body of Sberbank of the Russian Federation - The General Annual Meeting of Shareholders is held once a year.
The general meeting of shareholders decides the following issues: approval annual report, considers the report of the Audit Commission, the report of the management, the procedure for distribution of profits and its use (the amount and procedure for payment of dividends), the development plan for the next year, determines the development strategy of the bank, elects the Council of the bank.
The bank's council is the highest governing body in the period between general meetings of shareholders. The Board of Directors of the bank is approved by the Board of the bank on the proposal of the President of the Board of the bank, which consists of the first and four vice presidents and 15 members of the Board of Directors of the bank. The Board of Directors is the bank's executive body.
The main issues addressed by the Board of Directors are adjusting the bank's development strategy, control over the activities of executive bodies.
The next governing body of the bank is the Board. In the system of the Savings Bank, it is formed at the level of the parent and regional banks and is headed by the Chairman of the bank. The Board includes, in addition to the Chairman, his deputies, Chief Accountant, heads of structural divisions (directors of main departments). The competence of the Management Board includes issues credit policy, the current management of the bank, the formation of assets and liabilities.
Another governing body is the Credit Committee, which is formed at the level of regional banks. It includes the Chairman of the bank, chief accountant, heads of departments directly related to the lending process. The Credit Committee decides on issues of granting loans in accordance with credit policy jar.
The Audit Commission is also the bank's governing body, is formed from among the shareholders and deals with issues of verification annual reporting.
1.6 Functions of individual departments and subdivisions
The structural divisions of the Savings Bank are regional banks, which include branches, which in turn may have branches. The structural organization is based on the territorial principle.
Their functions are as follows:
Management accounting and reporting, provides control over the use of own and attracted resources and their management, control over the presence and movement of bank property and other material assets, the formation of complete and reliable information on the status of settlements, securities, liabilities, financial results, reserves;
· Territorial settlement center, the task of which is to maintain accounts of branches and ensure settlement operations, incl. intrabank;
Economic management, performing the functions of systematization and generalization economic information in general for the territorial bank, analysis of economic standards for the bank's activities, analysis of financial and economic activity, identifies the reasons affecting profit, and develops proposals for increasing it, studies the effectiveness of the operations performed and the services provided;
· The lending department, collects and summarizes information on issued loans in general for the territorial bank, prepares a presentation and issues loans according to the decision of the Credit Committee, controls the use and repayment of loans;
· Control and auditing department, carries out internal control over the activities of other divisions of the bank, by carrying out documentary audits;
· Legal management, provides legal support for the activities of the bank as a whole and each separate division;
· Department of deposits and settlements, conducts analytical work to collect, summarize, systematize and coordinate work on servicing bank customers, both legal entities and individuals;
· Management of securities and investments, conducts methodological work on operations with securities, collects and analyzes information on ongoing transactions, directly conducts transactions for the purchase, sale, storage of securities;
· Foreign exchange department, collects, systematizes and organizes work on operations with foreign currency, carries out methodological work;
Management of informatics and automation banking works, carries out work on the provision of communication means, automation, electronic computers, organizes work on software and settlements for banking operations, the introduction of new technologies and services using computer technology;
· Security management, ensures the internal, informational and general security of the bank;
· Management of cash collection and cash management, is engaged in the collection, delivery and maintenance of funds when they are moved between different divisions of the bank and outside banking divisions, collects and systematizes information on the movement of funds in the bank as a whole, conducts methodological work;
· Management of development of material and technical base;
· Department for work with personnel and organizational and administrative issues;
· Operational management, occupies a special place among the divisions of the regional bank, performing the functions of providing real banking services to legal entities and individuals, at the same time, it is basic for the implementation of the functions of most of the previously considered departments and the development of the methodology for conducting banking operations in the Sberbank system.
1.7 Scope of operations performed
The bank carries out the following banking operations:
· Attracts funds from individuals and legal entities in deposits (on demand and for a certain period);
· Places the above attracted funds on its own behalf and at its own expense;
· Opens and maintains bank accounts of individuals and legal entities, makes settlements on behalf of clients, including correspondent banks;
Collects cash, bills of exchange, payment and settlement documents and carries out cash service individuals and legal entities;
· Buys and sells foreign currency in cash and non-cash forms;
· Attracts in deposits and places precious metals;
· Issues bank guarantees;
· Carries out money transfers on behalf of individuals without opening bank accounts (except for postal orders).
The bank, in addition to the above banking operations, carries out the following transactions:
· Issues guarantees for third parties, providing for the fulfillment of obligations in cash;
· Acquires the rights of claim from third parties for the fulfillment of obligations in cash;
· Carries out trust management of funds and other property under an agreement with individuals and legal entities;
· Carries out operations with precious metals and precious stones in accordance with the legislation of the Russian Federation;
· Leases to individuals and legal entities special premises or safes located in them for storing documents and valuables;
· Carries out leasing operations;
· Provides brokerage, consulting and information services.
The Bank is entitled to carry out other transactions in accordance with the legislation of the Russian Federation.
The Bank is entitled to service export-import transactions of clients using various financial instruments accepted in international banking practice.
The Bank exercises currency control over the operations of its clients - individuals and legal entities.
The Bank is entitled to issue and service plastic cards of international and Russian payment systems.
All listed banking operations and transactions are carried out in rubles and in foreign currency.
The Bank has the right to issue, purchase, sale, accounting, storage and other operations with securities that perform the functions of a payment document, with securities confirming the attraction of funds to deposits and bank accounts, with other securities, and also has the right to exercise trust management the specified securities under an agreement with legal entities and individuals.
The Bank has the right to carry out professional activities in the securities market in accordance with federal laws.
Within the limits of its competence, the Bank ensures the protection of information constituting state secret.
8 Personnel policy bank
The Bank considers the development of human resources as the main condition for the implementation of its strategic objectives. Labor intensification bank employees, the massive assimilation of new products and technologies, the expansion of the powers and responsibilities of specialists and middle managers require the setting of new goals and priorities for the personnel management system. The main task of the Bank's personnel policy for the coming years will be to further improve the qualifications of the Bank's personnel, to create teams of professionals capable of meeting the challenges of the Bank's strategic development. The Bank sees increasing the efficiency of the personnel recruitment, training and placement system, improving the personnel motivation system, and developing corporate culture as the priority directions of the personnel policy.
The existing system of selecting the most promising graduates of leading higher and secondary educational institutions, providing them with targeted scholarships from Sberbank of Russia will be combined with the practice of attracting the most trained specialists with work experience in other credit and financial institutions. It will become the rule to hold open competitions for filling vacant leadership positions and selected categories employees.
It is necessary to find the optimal combination of material and non-material incentives to motivate employees to increase productivity and quality of work, develop initiative, and search for new technological solutions. The system of forming a reserve of managerial personnel, especially of the top management level, planning the career growth of promising young specialists, and improving the qualifications of personnel will change significantly. The system of rotation and horizontal movement of the management of the most qualified specialists will be developed. The Bank will create conditions that allow each employee to realize their creative abilities, to get the opportunity to improve their professional knowledge, to understand the system for assessing the results of their work and the prospects for job growth.
In order to retain promising personnel, the Bank will maintain the correspondence of the level of remuneration of the Bank's specialists to the level of remuneration in the leading Russian banks and financial companies, to introduce systems of differentiated remuneration for labor based on the final result of work.
The development of the corporate culture in the Bank will be aimed at creating in each employee a sense of belonging to the Bank's achievement of high results, fostering team spirit, creating a team of like-minded people aimed at achieving the set strategic goals.
1.9 Regulation on commercial secrets of the bank
The commercial secret of the Joint-Stock Commercial Savings Bank of Russia is constituted by non-state secrets of information related to technological information, management, finance, and other activities of the Bank, which have commercial value due to their unknown to third parties, disclosure (illegal transfer, leakage) of which, including among the Bank's employees, may cause damage to the Bank of any nature (material, financial, business reputation, image, etc.).
Such information can be created both by the Bank's employees in the process of performing their official duties, and received by the Bank from third parties or organizations, both in paper form and in electronic form in the process of electronic document flow between them.
A commercial secret is determined by the Bank's right to a certain freedom of commercial activity and protection of its interests as an independent subject of market relations.
Commercial secrets are the property of the Bank and are not subject to disclosure, unauthorized transfer, publication in the open press, radio and television broadcasts.
A trade secret resulting from the joint activities of two or more banks or other organizations may be the property of two or more banks or other organizations. This circumstance should be reflected in a contract or other document (agreement) providing for liability for disclosure.
A commercial secret resulting from the performance of an employee of the Bank of his official duties is the property of the Bank and is not subject to copying and use for personal purposes.
Ensuring the protection of commercial secrets is provided for by the current legislation of the Russian Federation and is mandatory and integral part of activities of the Bank.
For the disclosure of information constituting a commercial secret of the Bank, and violation of the procedure for protecting such information, employees of the Bank, as well as persons dismissed from the Sberbank system, are prosecuted in accordance with the legislation of the Russian Federation (UG RF Article 183)
II. Sberbank of Russia
1 Priority areas of activity of Sberbank of Russia
Sberbank of Russia is a universal commercial bank that meets the needs of various groups of clients in a wide range of high-quality banking services throughout Russia. Acting in the best interests of depositors, customers and shareholders. The Bank seeks to effectively invest the funds attracted from private and corporate clients in the real sector of the economy, lend money to citizens, contribute to the sustainable functioning of the Russian banking system and the saving of household deposits.
The main directions of the Bank's activities:
lending Russian enterprises;
lending to private clients;
investment in government securities and bonds of the Bank of Russia;
carrying out transactions on a commission basis.
Funds for the implementation of these activities are attracted by the Bank from the following sources:
shareholders' funds;
deposits of private clients;
funds of legal entities;
other sources, including borrowing from international financial markets.
2.2 Lending policy
Basic terms of credit policy.
Loans are provided to individuals - citizens of the Russian Federation aged 18 and over, provided that the loan repayment period under the agreement is:
· with differentiated payments - comes before the borrower is 75 years old;
· for annuity payments - limited to the working age of the borrower.
Loans are provided:
· at the place of permanent residence (registration) of the Borrowers, upon temporary registration for the period of registration;
· at the location of the enterprise - employer of the Borrower, client of the Bank, if there is an employment contract concluded for an indefinite period between him and the borrower
The procedure for granting a loan.
To obtain a loan, you must provide the following documents:
· Application form
· Russian passport with registration mark
· document confirming registration at the place of stay (if there is a temporary registration)
Documents confirming financial condition and employment of the borrower / co-borrower / guarantor<#"justify">For borrowers between the ages of 18 and 20 (inclusive), it is necessary to provide additional documents confirming relationship with the surety (s):
· birth certificate;
· Borrower's adoption certificate;
· other documents in the event of a change in the full name in comparison with those indicated in the birth certificate / adoption certificate of the Borrower (certificate of marriage / divorce; certificate of change of surname, first name, patronymic, etc.).
When issuing a loan (except for "Pension"), the Bank has the right to take into account the solvency of the Borrower, in addition to his income at the main place of work, one of the following types of income:
- income received by him at another place of work, if the term of the employment contract (civil law contract) exceeds 1 year, subject to confirmation of the specified income and the deductions made by a corresponding certificate;
- income received by him from private practice, or other sources of income permitted by law, confirmed by a tax return with a mark tax authority;
- income of the spouse of the Borrower from one place of work (spouse's pension);
- the amount of the pension, early assigned for old age or seniority and received by the Borrower who has not reached the retirement age established by law (55 years for women, 60 years for men), for the period until he reaches retirement age.
3 International bank cards
Sberbank of Russia offers a wide range of bank cards for international payment Visa systems International and MasterCard International (and all card products based on them),
The volume of cards issued by Sberbank of Russia as of 01.07.2014 amounted to 35.4 million cards, having increased since the beginning of 2014 by 16.4%.
Sberbank of Russia continued to work with target groups of clients, for whom special card products and services were developed.
As of 01.01.2014, 570.4 thousand Aeroflot Visa cards were issued (growth in 2013 - 61.7%), whose holders are simultaneously participants in the Aeroflot Bonus program, implemented by Aeroflot - Russian Airlines.
The number of Sberbank-Maestro "Social" cards intended for receiving pensions, benefits, subsidies and other social payments increased in 2014 by 11% and exceeded 8.3 million cards
Sberbank of Russia serves card transactions in more than 6.8 thousand settlements located in all constituent entities of the Russian Federation.
There are 12.3 thousand cash withdrawal points in the Sberbank of Russia system.
Sberbank installed and put into operation 22.9 thousand ATMs<#"justify">Sberbank also commissioned 10.6 thousand information and payment terminals.
The number of retail and service outlets with which Sberbank entered into agreements on accepting bank cards as a means of payment amounted to 92.5 thousand.
The number of transactions in the network of Sberbank self-service devices using international bank cards, excluding cash withdrawals, in 2013 exceeded 133.8 million transactions.
The turnover in the acquiring retail network of Sberbank in 2013 increased compared to the same period in 2012 by 29.6% and amounted to 202.9 billion rubles
2.4 Procedure for issuing cards
The main personal cards(not including salary):
Sberbank - Visa Electron and Sberbank - Maestro cards are issued - to individuals who have reached the age of 14, who have an identity document, as well as registration (residence permit) or temporary registration on the territory of the Russian Federation.
Visa Classic, Visa Gold, MasterCard Mass, MasterCard Gold issued - to individuals who have an identity document, who have reached the age of 18 and who have permanent registration in the service area of the territorial bank
Salary cards
Employees of an enterprise / organization (students) that have entered into an agreement with a subdivision of the Bank - individuals who have reached the age of 18, who have an identity document, regardless of their place of registration (registration).
Additional maps:
a) persons who have reached the age of 14, at the Application of the Main Holder, regardless of their place of registration (registration);
b) to persons who have reached the age of 10, provided that they are closely related to the Primary Cardholder (as well as if the person is under the care of the Primary Cardholder). Written consent of the parents, adoptive parents or guardian is required in accordance with Articles 26 and 28 of the Civil Code of the Russian Federation, if none of them is the Primary Cardholder
Corporate cards
Employees of the Enterprises who have an identity document, regardless of their place of registration (registration).
2.5 Operations in the primary and secondary securities markets
Joint Stock Commercial Savings Bank conducts a wide range of operations in the securities market, acting as an issuer and investor. Sberbank of Russia is a professional participant in the securities market and has the appropriate licenses to carry out the following activities:
brokerage activities;
securities management activities;
depository activities;
activities of a specialized depository of investment funds, mutual funds and non-state pension funds.
) Brokerage activities.
As part of brokerage services on the securities market, Sberbank of Russia conducts transactions with the following securities:
government bonds federal loan(GKO-OFZ);
bonds of the constituent entities of the Russian Federation and municipal authorities;
shares and bonds of corporate issuers (RAO ES of Russia, Gazprom, Lukoil, Rostelecom, Norilsk Nickel, Surgutneftegaz, Tatneft, Mosenergo, etc.).
Sberbank of Russia offers its clients brokerage services on the main Russian stock exchanges.
Sberbank clients have the opportunity to perform transactions on:
The MICEX Stock Exchange (shares, corporate, municipal and sub-federal bonds),
Moscow Interbank Currency Exchange (federal loan bonds and Bank of Russia bonds),
St. Petersburg Stock Exchange (shares of JSC "Gazprom").
The Bank provides the following operations at the expense and on behalf of the client:
participation in auctions for primary placement and additional placement of bonds;
purchase and sale of securities in secondary trading;
prompt access to exchange and analytical information on the securities market;
consultations of specialists on the formation of a portfolio of securities, taking into account the required indicators of reliability, liquidity, the term for placing funds.
Sberbank carries out the following operations with shares:
purchase and sale of shares on the organized (exchange) securities market;
depository services to reduce the time required for transactions with shares of Sberbank of Russia, including when registering collateral encumbrances when issuing a loan;
lending to individuals and legal entities secured by shares of Sberbank of Russia.
Sberbank of Russia shares (ordinary and preferred) are included in the list for calculating the official indicators of the RTS stock exchange - the RTS index and the RTS technical index. The average daily trading volume in Sberbank shares is 40% of the trading volume on the MICEX.
Sberbank of Russia conducts the following transactions with bills:
The Bank issues the following types of promissory notes:
interest-bearing bill of exchange denominated in rubles and foreign currency (US dollars and Euros);
discount bill of exchange denominated in rubles and foreign currency (US dollars and Euros);
The bank issues interest-bearing bills from following terms payment:
"upon presentation, but not earlier than a certain date and not later than a certain date";
The Bank issues discount bills with the following maturities:
"on a certain day";
"upon presentation, but not earlier than a certain date".
The Bank also issues simple convertible currency bills (interest and discount) - the bill is denominated in US dollars or euros and contains a payment clause in the currency of the Russian Federation, i.e. paid by the Bank in the currency of the Russian Federation at the rate of the Bank. The first holder of a bill purchases a bill for the currency of the Russian Federation at the exchange rate of the Bank. Issuance of a bill is made on the basis of the Issue Agreement.
The bank carries out an exchange of bills. One bill of exchange can be exchanged for several bills of a lower face value, several bills of exchange - for one bill of a larger face value, several bills of exchange - for several bills of a different face value. Wherein:
ruble bills can only be exchanged for ruble bills
foreign exchange bills can only be exchanged for foreign exchange bills with par in the same currency;
foreign exchange bills issued without an effective payment clause can only be exchanged for foreign exchange bills without an effective payment clause with a denomination in the same currency;
foreign exchange bills issued with an effective payment clause can only be exchanged for foreign exchange bills with an effective payment clause with par in the same currency;
Currency bills issued with the clause of payment in the currency of the Russian Federation can only be exchanged for currency bills with the clause of payment in the currency of the Russian Federation with a par value in the same currency;
exchange transactions are performed when the bill of exchange is due. Until the due date of the bill of exchange, only bills of exchange with a zero discount are subject to exchange.
Clients have a variety of options for interacting with the broker:
use of the Internet trading system of Sberbank of Russia;
As part of the online trading service, the client is given the opportunity to submit online applications in real time for the purchase and sale of shares, corporate, municipal and sub-federal bonds for Stock exchange MICEX through the "Focus" automated system developed by EGAR Technology.
personal filing requests at the place of service;
submission of applications by phone.
As part of brokerage services, clients are provided with information and technical support.
The conclusion of a brokerage agreement is possible at a branch of Sberbank of Russia (or a branch providing these services). The procedure for servicing clients is governed by the Terms of Provision of Brokerage Services by Sberbank of Russia, as well as by the Terms of Depository Activities by Sberbank of Russia.
The Bank's agreement with the Client is concluded by the Client's acceptance of the Bank's proposal to conclude the Agreement. Based on the agreement, Sberbank of Russia:
opens the necessary custody accounts for the Client, as well as a personal cash account;
assigns an investor code to the Client for subsequent identification of completed transactions;
informs the Client about all the accounts opened for him and the investor's assigned codes by delivering him a notice signed by an authorized representative of the Bank.
The receipt by the Client of the notification means confirmation of the Bank's readiness to credit the Client's funds and / or securities to the open accounts for the subsequent execution of transactions at the Client's orders.
) activities for the management of securities
For companies and individuals, Sberbank of Russia offers individual trust management of securities and investment funds in securities. Among the possible investment objects: sub-federal and municipal bonds, shares and bonds of Russian enterprises, equity securities issued by residents of the Russian Federation, denominated in foreign currency.
Specific investment objects and their share in the investment portfolio are agreed by the client and the Bank and recorded in the Investment Declaration, the provisions of which are binding on the Bank. Sberbank establishes the minimum size of the market value of securities accepted for individual trust management.
The main purpose of trust management of securities and investment funds in securities is to preserve and increase their market value.
The minimum market value of primary assets accepted for trust management by the Bank is:
million rubles for primary assets denominated in the currency of the Russian Federation;
USD million for primary assets denominated in foreign currency.
) depository activities;
Sberbank of Russia offers a wide range of custody services, including:
opening all types of securities accounts required for accounting and transfer of rights for Russian and foreign securities;
storage and accounting of ownership rights to securities, including storage and accounting of documentary / non-equity securities;
conducting depository operations on transactions with securities, including using correspondent depo accounts of Sberbank of Russia in the international clearing and settlement centers Clearstream Banking and Euroclear Bank;
carrying out transactions with bills of exchange of Sberbank of Russia: acceptance for storage and accounting, depositary transfers on accounts in the depository accounting system of Sberbank of Russia, exchange and redemption of bills;
encumbrance with obligations of securities: registration and accounting of pledge operations;
corporate actions of issuers: consolidation, conversion, splitting, participation in shareholders' meetings by proxy;
payment of income on securities, redemption of securities and coupons of securities.
The custodian of Sberbank of Russia acts as a sub-custodian of JPMorgan Chase Bank N.A. to store the underlying asset for issue depositary receipts for the shares of OJSC NK Rosneft, OJSC Novorossiysk Commercial Sea Port, OJSC Magnit.
The specialized depository is a separate structural subdivision of the Depository of Sberbank of Russia, servicing joint-stock investment funds (AMF) and mutual investment funds (UIF), as well as maintaining the register of owners of investment shares of UIF. "
The depository of Sberbank of Russia is one of the largest banking depositories in Russia and offers its clients (residents or non-residents of the Russian Federation) a full range of depository services with securities of Russian and foreign issuers in all regions of the Russian Federation. Depository activities have been carried out by Sberbank of Russia since 1997.
Sberbank of Russia has a wide branch network in Russia and serves over 245,000 depo accounts.
Clients of the Depository of Sberbank of Russia can submit depositary orders and receive reports on the execution of transactions in person at more than 500 branches of Sberbank of Russia throughout the country. Also, to exchange information with clients, the Bank uses various types of remote services, including the Bank / Client systems, SWIFT and the EDM system of Sberbank of Russia.
Depository accounting is carried out in a centralized automated information system"Depository" (developed by Sberbank of Russia), complying with the requirements for keeping depository accounting imposed by the regulatory documents of the Russian Federation, and also has a high degree of security and fault tolerance. Information security measures applied to the system correspond to the highest category, ensure the safety and confidentiality of stored information. Its high efficiency has been repeatedly proven, in particular, during the "people's" IPO of OJSC NK Rosneft and Sberbank of Russia (OJSC).
) activities of a specialized depository of investment funds, mutual investment funds and non-state pension funds. Sberbank customers can purchase shares of mutual investment funds of the following management companies:
Management Company CJSC "United Financial Group INVEST"
MC CJSC "SOLID Management"
Troika Dialog Management Company
By investing money in shares of investment funds, the client becomes a full participant stock market, while all transactions with securities and other assets are carried out by the management company.
Professional managers with experience in the securities market manage the pooled funds of the shareholders in accordance with optimal strategy investing. At the same time, the operating costs of transactions with securities for the holders of shares are much lower than for private investors, since the costs of managing the fund are equally divided among all the depositors of the mutual fund. Thus, the importance of Sberbank in the Russian securities market is not in doubt.
At the same time, the securities themselves act for Sberbank as a means to achieve more general goals of its activities. Sberbank's operations with securities expands its possibilities for organizing credit relations. Securities, possessing such properties as standard and serial, are actively traded in the financial markets and are more attractive instruments for Sberbank than loans and deposits.
6 Foreign exchange operations of the bank
Types of currency transactions performed by Sberbank of Russia:
) Opening and maintaining foreign currency customer accounts. This operation includes the following types:
-opening foreign currency accounts for legal entities (residents and non-residents); individuals;
-accrual of interest on account balances;
-providing overdrafts (to special clients at the decision of the bank's management);
-provision of extracts as the transaction is completed; registration of an invoice archive for any period of time;
-execution of operations, at the request of clients, regarding funds in their foreign currency accounts (payment for documents provided, purchase and sale of foreign currency at the expense of clients' funds);
-control over export-import operations.
2) OJSC "Sberbank of Russia" offers banks a wide range of services for conducting banknote transactions:
-purchase and sale of cash foreign currency for non-cash foreign currency or non-cash rubles;
-acceptance of worn-out and non-payment foreign currency in cash, currency out of circulation;
-acceptance of cash foreign currency for collection;
For cooperation, legal entities need to sign an Agreement on general conditions carrying out operations for the purchase / sale of cash and operations for accepting cash foreign currency for collection.
All foreign exchange transactions exceeding the amount of 15,000 rubles are made upon presentation of an identity document.
To purchase foreign currency with its crediting to a special foreign currency account, you must submit:
-documents for opening a special account;
-an application for the purchase of foreign currency in the over-the-counter foreign exchange market.
The purchased foreign currency credited to a special foreign currency account can be accumulated and stored on it for 7 working days, starting from the day following the day of its crediting.
In case of non-use of the purchased foreign currency before the expiration deadlines its storage in a special account or until the expiration of these periods after the return to the subject of currency transactions - the resident of the foreign currency previously transferred from the special account, the subject of currency transactions - the resident is obliged to sell this foreign currency to the bank on the exchange or on the over-the-counter currency market.
In the absence of a special currency account for storing purchased foreign currency, as well as in order to save time for carrying out a currency exchange operation and reducing the documents submitted to the bank, the client can make a bank transfer with the purchase of foreign currency.
To make transfers with a purchase, you do not need to open a special account. When carrying out such operations, payment order combining information about the conditions of a foreign exchange transaction and details bank transfer.
The bank independently debits Russian rubles from the client's account, and the foreign currency under the transaction is sent to the beneficiary of the funds specified in the payment order.
To conclude a transaction for the sale of foreign currency on the over-the-counter foreign exchange market with Sberbank of Russia, if the client's foreign currency account is opened in another bank, it is necessary to submit an Application for the sale (conversion) of foreign currency to transfer the foreign currency to be sold to the bank's account.
If a foreign currency account is opened with Sberbank of Russia, transactions for the sale of foreign currency are carried out by means of a bank transfer with the sale. When carrying out such operations, a payment order is drawn up that combines information on the conditions of a currency exchange transaction and bank transfer details.
The Bank independently debits the foreign currency to be sold from the client's account, and sends Russian rubles under the transaction to the details specified by the client in the payment order.
) Non-trading operations. Sberbank of Russia OJSC carries out the following types of this operation:
-purchase and sale of foreign currency in cash and payment documents in foreign currency;
-collection of foreign currency and payment documents in foreign currency;
-carries out the issue and servicing of plastic cards of the bank's clients;
-makes payments for cash letters of credit and issues similar letters of credit.
Non-trading operations, in the context of certain types, have become widespread to provide customers with a wider range of banking services, which plays an important role in the competition with other commercial banks for attracting clients. Without operations, namely the implementation of transfers abroad, payment and issuance of letters of credit, day-to-day work with clients is practically impossible. Purchase and sale operation cash currency is one of the main non-commercial operations of Sberbank of Russia.
4)Establishing correspondent relations with foreign banks... This operation is necessary condition carrying out international settlements by the bank. Making a decision on the establishment of correspondent relations with one or another foreign bank should be based on the real need to service the regular export-import transactions of the clientele.
5)Conversion operations. Conversion transactions are transactions of buying and selling cash and non-cash foreign currency (including currencies with limited conversion) against cash and non-cash rubles of the Russian Federation.
Sberbank of Russia is an active participant in the Russian and international money market and conducts conversion operations with more than 20 types of currencies: Russian ruble(RUB), US dollar (USD), single European currency (EUR), Australian dollar (AUD), Belarusian ruble(BYR), Canadian dollar (CAD), Swiss franc (CHF), CNY(CNY), Czech crown(CZK), Danish krone (DKK), Estonian krone (EEK), British pound sterling (GBP), Japanese yen (JPY), Kazakh tenge (KZT), Lithuanian litas (LTL), Latvian lat (LVL), Norwegian krone (NOK), Polish zloty (PLN), Swedish krona (SEK), Ukrainian hryvnia ( UAH), clearing Indian rupee, dollar on settlements with India.
Sberbank offers:
-transactions with value dates from 1 day to one year;
-flexible price terms for the transaction;
-individual approach;
-execution of orders at the current exchange rate when performing transactions on the MICEX;
-carrying out transactions for any amount;
-the ability to hedge currency risks using derivatives market instruments.
Sberbank of Russia conducts conversion operations:
-with resident banks - on the basis of the Agreement on General Conditions for Conducting Bilateral Transactions in the Interbank Market;
-with non-resident banks that have a risk limit (in this case, a signed Agreement is not required);
-with non-resident banks that do not have a risk limit - on a prepayment basis and on the basis of the Agreement on General Conditions for Conducting Bilateral Transactions in the Interbank Market.
In foreign trade, such forms of settlement are used as documentary letter of credit, documentary collection, bank transfer.
Sberbank of Russia OJSC undertakes to present the documents provided by the principal to the payer (importer) for acceptance and receipt of money (documentary collection).
When bank transfers are used in settlements, all foreign exchange earnings are credited to transit accounts with authorized banks. After its receipt on the transit currency account, the order to transfer the received amount or part of it to the current account shall also indicate the sale of part of the export proceeds in the domestic foreign exchange market in the order of mandatory sale.
If the client's account, from which the foreign currency subject to conversion will be debited, is opened with Sberbank of Russia, foreign currency conversion transactions are carried out by means of a bank transfer with conversion. When carrying out such operations, a payment order is drawn up, which combines information on the exchange rate of the currency exchange operation and details for transferring foreign currency received under the transaction.
To carry out the conversion of foreign currency, if the client's foreign currency account is opened in another bank, it is necessary to submit an Application for the sale (conversion) of foreign currency, transfer the foreign currency to be converted to the bank's account.
7) Operations for attraction and placement by the Bank currency funds... These operations include the following types:
-attracting deposits from individuals and legal entities, including interbank deposits;
-issuing loans to individuals and legal entities;
-placement of loans on the interbank market.
The Bank's attraction of foreign exchange funds from legal entities and individuals is formalized by a deposit agreement.
These operations are the main ones for Sberbank of Russia both in terms of profitability and importance in servicing the bank's clients.
The types of foreign currencies with which transactions are carried out are presented in Table 3.
Table 3
Currency CodeCurrency NameCountry of OriginEUREuroEuropean CommunityAUDAustralian DollarsAustraliaCADCanadian DollarsCanadaCurrency CodeCurrency NameCountry of OriginCHFSwiss FrancsSwitzerlandDKKDanish KronerDenmarkGBPUnited Kingdom Pounds Sterling United KingdomNUnited KingdomJAPANESAJAPANESEKNEWSKNSKNS * by agreement, operations can be performed in other types of foreign currencies
Sberbank actively conducts operations on the international currency exchange and is one of the largest operators for banks in the CIS and Baltic countries, legal entities and individuals - residents and non-residents of the Russian Federation.
The main areas of work in this market are as follows:
1.Conversion operations. The bank's specialists assist in choosing a strategy to hedge currency risks inherent in export-import transactions.
2.Currency exchange operations with legal entities and individuals.
.Operations for international settlements related to the export and import of goods and services.
III. Development prospects of Sberbank of Russia
When determining the prospects for its development, Sberbank of Russia proceeds, first of all, from an analysis of the current macroeconomic situation, a study of internal and external development opportunities financial transactions... The Bank strives to develop existing competitive advantages and create new points of growth for its business.
Emerging external conditions: increased competition in the domestic and international financial markets, deepening uncertainty about the prospects for further development of the world economy? form the preconditions for setting a strategic task for the Bank to actively increase the growth rate of the business volume and diversify its lines of business.
At the same time, Sberbank of Russia sees its main strategic goal as maintaining investment attractiveness and joining the group of the largest banks in the world in terms of market capitalization.
The increase in market capitalization will be associated with the economic effect obtained as a result of improving and, if necessary, restructuring the internal processes of the Bank, optimizing the corporate governance system, taking into account current trends in the national and global economy.
Another important challenge facing the Bank on the way to increasing market capitalization is to maintain and strengthen its position in Russian market financial services. To this end, Sberbank of Russia plans to build a fundamentally new system of work with clients, focused on the most efficient service of the main client groups. To provide customers with a full range of financial services, the Bank plans to enter new segments financial market, creation of new banking products.
In order to improve the quality of service, Sberbank of Russia will actively develop and improve the channels for the sale of financial products and services. The Bank's branch network will be optimized, and remote banking service channels will be developed.
The successful work of Sberbank of Russia in these areas will largely be determined by efforts to develop a technical and technological platform for doing business, and further improve the information exchange system between the bank's divisions.
In the current conditions of uncertainty in the development of the global financial market, special attention will be paid to improving and keeping up to date the risk management system.
Conclusion
I did an internship for 4 weeks in structural unit Sberbank of Russia No. 8610/0058.
At the beginning of my practice I got acquainted with the constituent documents of Sberbank of Russia and the list of documents constituting a commercial secret.
It was in practice at Sberbank that I had a chance to compare theoretical basis and knowledge with practical activities.
In the course of my practice, I had to familiarize myself with the following documents:
· The procedure for performing transactions with international bank cards in the branches of Sberbank of Russia.
· Rules for lending to individuals of Sberbank of Russia and its branches
Familiarization with these documents gave me the opportunity to study in more detail the work of the branch employees during the practice.
In the structural unit of Sberbank, there are 2 systems of work:
· through the computer system of AS "Client-Sberbank";
· receiving documents directly from clients and entering them into the client base.
The work actually turned out to be very time-consuming and gave rise to many questions from my side to the manager and the clerks and helped to understand the intricacies of the workflow. I find the advantages of the internship I have completed in the fact that I have become familiar with a large amount of information on which banking is based, familiarized myself with the computer work programs of Sberbank of Russia and acquired the skills to work with its internal documentation.
Rice. No. 2. The structure of Sberbank of Russia.
Fig. No. 3 Assets.
Fig. No. 4 Own funds.
Fig. No. 5 Loans and advances to customers.
Fig. No. 6 Funds of individuals and corporate clients.
Fig. No. 7 Operating expenses.
Fig. No. 8 Net profit
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Federal Agency for Education State educational institution higher professional education Department of Finance, Monetary Circulation, and Credit. "STATE UNIVERSITY OF MANAGEMENT" Course work In the discipline "Money, credit, banks" On the topic: "Areas of activity and development prospects of Sberbank of the Russian Federation" Performer: student of the IFM, Finance and Credit, 3 course, 2 gr. Aldiyarova Zh.K. Leader: Smirnova L.V. Moscow, 2011 Table of contents IntroductionThe banking system is one of the most important and integral structures of the market economy. The development of banks and commodity production and circulation has historically proceeded in parallel and closely intertwined. At the same time, banks, conducting monetary settlements, lending to the economy, acting as intermediaries in the redistribution of capital, significantly increase the overall efficiency of production, contribute to the growth of the productivity of social labor. At present, a two-tier banking system has been formed and operates in Russia. The creation of a stable, flexible and efficient banking infrastructure is one of the most important and difficult tasks of economic reform. The Russian banking system is being rebuilt. In terms of form, the restructuring consists in a transition from one to a two-tier system, and in content from a state banking monopoly to a market-based competitive system. In this regard, the problem of competition in banking is of paramount importance. The Savings Bank occupies a special place in the banking system of Russia. Savings banks emerged as small credit institutions operating on a regional or city-wide scale. Their activities are controlled by the state, which is represented by local authorities acts as a guarantor for their operations. At present, Sberbank of the Russian Federation is one of the largest banks in the country and, in terms of a number of economic indicators, occupies leading positions in the credit system. It has no equal among commercial banks in terms of the number of branches, regional banks and agencies. The purpose of this term paper is the study modern system savings banks of Russia, disclosing the main problems and identifying prospects. In accordance with the designated goal, the tasks of the work are: 1. to provide a general description of Sberbank of the Russian Federation; 2. to consider the main areas of activity of Sberbank of the Russian Federation; 3. show the prospects for the development of Sberbank of the Russian Federation. Chapter 1. The role and place of Sberbank of the Russian Federation in the economy and in the banking system of the country.
History of Sberbank of Russia
1841-1861 The year of foundation of the oldest bank in the country is considered to be 1841, when Emperor Nicholas I approved the charter of savings banks and ordered the establishment of savings banks at the St. Petersburg and Moscow treasuries. These cash desks were created "to receive small amounts to preserve with an increment of interest, to provide people with means for saving, in a sure and profitable way, small balances from expenses, in a reserve for future needs, through that inadequate of any rank ”. The charter established the size of deposits accepted at one time (from 50 kopecks to 10 rubles), the interest rate on the deposit - 4% per annum, and also the only day when deposit transactions were performed - oddly enough, that day turned out to be Sunday. For the money deposited, the depositor was issued a savings book - "a certificate of several sheets of specially prepared paper, with internal signs, a printed number and a stamp of the Savings Bank." The first savings bank in St. Petersburg was opened on March 1, 1842, and the first investor was Nikolai Antonovich Christofari, a court adviser, assistant to the director of the expedition of the St. Petersburg loan treasury. He deposited 10 rubles into his account and received a savings book number 1. Government agencies carried out a large-scale educational work on the benefits of savings banks, issued campaign (practically advertising) brochures about the benefits of keeping funds in a savings account. And gradually the number of Russian depositors began to increase: if in 1842 the Moscow cash desk served an average of 70 depositors daily, then by 1860 it already served more than 500 people a day. Among the Bank's depositors were representatives of all classes of Russia - military and civil officials, merchants and bourgeoisie, peasants and courtyards. 1861-1917 After the abolition of serfdom in 1861 and a series of liberal reforms, the development of the savings business in Russia began to gain momentum. For 30 years - from 1865 to 1895 - the number of cash desks increased from 47 to 3875, and the number of savings books - from 70,000 to 2 million. On June 1, 1895, a new statute of savings banks was adopted, which guaranteed the secrecy of deposits - now the cash offices could only report the state of the account to the depositor himself, his heirs, and also officials "at the request of the subject government or judicial authority." New types of deposits have appeared: for children until they come of age, for burial and others. The new charter simplified the rules for the establishment of savings banks, which led to a sharp increase in their number. Factory cash desks appeared, cash desks at stations of state and private railways, cash desks on ships of the navy, at state and wine warehouses. 1917-1941 The turbulent upheavals that Russia experienced at the beginning of the 20th century: the First World War, the Revolution, the Civil War, could not slow down the development of the savings business. True, it has undergone dramatic changes. Thus, despite the fact that deposits in savings banks and interest on them were declared inviolable in the decree on the cancellation of securities, the same decree provided for the right of the Soviets "to completely cancel savings acquired through unearned means." And the secrecy of deposits, which was strictly observed earlier, became nothing more than a fiction: by his order in December 1918, the People's Commissar of Finance ordered the savings banks "to provide the executive committees of the Soviets at their request with account books for review and lists of depositors." With the transition to NEP, the reform of the savings business began. On December 26, 1922, a decree was adopted on the establishment of state labor savings banks. Savings banks began to develop new areas of activity: they issued their own debt obligations (certificates), carried out transactions with interest-bearing securities, carried out money transfers. 1941-1991 During the Great Patriotic War, savings banks were engaged in the placement of government loans and the organization of cash and clothing lotteries. This made it possible to attract money from the population and form an additional fund to cover military expenses. In the 50-80s, the development of the savings business continued. Over the 35 post-war years, the network of savings institutions has almost doubled (from 40.4 to 78.8 thousand), the number of accounts has increased 12 times, and the amount of deposits - 100 times. And in 1987, as part of the perestroika reforms, the system of the State Labor Savings Banks of the USSR was reorganized, and instead of it, the Bank of Labor Savings and Lending to the Population of the USSR was formed - the Savings Bank of the USSR, a state specialized bank for servicing the population and legal entities. This is how the newest stage in the history of Sberbank of Russia began. Already in 1989, the first ATM was opened in the Dzerzhinsky branch of the Bank on Olympiysky Prospekt in Moscow. In the same year, Sberbank became a member of the World Institute for Savings Banks. And after the collapse of the USSR, only Sberbank of Russia continued its activities; savings banks in the former Soviet republics either completely ceased to exist, or took a secondary position in the banking system of their countries. In 1991, the general meeting of shareholders decided to establish the Joint Stock Commercial Savings Bank of the Russian Federation, which continued the one and a half century history of Russian savings banks. The current state of Sberbank and its position in the banking system of the Russian Federation
The Savings Bank of the Russian Federation (officially the Joint Stock Commercial Savings Bank of the Russian Federation) is the oldest Russian bank. Over the past years, Sberbank of Russia has rightfully occupied a leading position in the country's banking sector. Providing a wide range of services to its clients, both private investors and corporate partners - enterprises of various forms of ownership, the bank is invariably aimed at providing optimal conditions for attracting and saving deposits from the population. By investing the accumulated funds in the real sector of the economy, the bank thereby contributes to the development of the Russian economy. Sberbank of Russia is the largest bank in the Russian Federation and Central and Eastern Europe, occupying a leading position in the main segments of the Russian financial market (Fig. 1). Sberbank is one of the twenty largest banks in Europe in terms of capitalization (Fig. 2). Fig. 1 Fig. 2 The activities of Sberbank of Russia are developing against the background of continuing positive trends in the Russian economy. A significant factor is that the highest rates of growth in industrial production were demonstrated by industries oriented primarily towards the domestic market; small and medium-sized businesses are developing, which testifies to the increased economic activity of the population. All this stimulated the expansion of the banking services market and led to an increase in the saturation of the economy with monetary funds. Sberbank of Russia undoubtedly takes into account and uses these favorable factors in its work. He also closely monitors negative trends in the economy. Thus, a significant increase in the share of costs in the cost of products and services of industrial enterprises led to a relative deterioration in the financial condition, a decrease in the balanced financial result of enterprises in almost all sectors of the economy. This demanded from the bank an even more thorough analysis of credit risks when forming a loan portfolio. Describing the activities of the banking sector in recent times, it is fundamentally important to highlight two points. First of all, this is a noticeable increase in the level of competition in all segments of banking services. For the first time since the 1998 financial crisis, the number of lending institutions that have been granted licenses has exceeded the number of those whose licenses have been revoked. On the other hand, despite the dynamic development, it is still premature to say that the negative phenomena caused by the 1998 crisis have been completely overcome.This is the low capitalization of banks, an insufficient share of banking system assets in GDP, and the ratio of loans to gross domestic product. In all these parameters, Russia significantly, tens of times lags behind the indicators of developed countries, from which it can be concluded that the potential for the development of the banking system and Sberbank is enormous and the competition for attracting the most attractive customers will only increase. Today, it can be argued with full responsibility that the large-scale restructuring of the Sberbank management system, carried out without stopping the main technological processes, was absolutely timely and necessary, the bank's development rates accelerated, and significantly increased financial results, the level of balance sheet risks has decreased, the efficiency and quality of work have increased. Comparison of the rates of development of Sberbank of Russia and the banking system of the country convincingly shows that Sberbank, despite the increase in competition, is developing at a high rate, is the main locomotive of the growth of the banking services market in Russia (Fig. 3). Even in conditions of instability in the global financial markets, the bank demonstrates high efficiency of its operations. Keeping its share in the assets of the banking system at the level of 25.9%, in 2009 the bank earned more than 35% of the profits of the entire banking system of the country, which is 5 percentage points more than last year. Over the last period, there has been a relative decrease (by 4%) in the share of Sberbank in the household deposit market, despite the fact that the bank still accumulates 83% of ruble savings and more than 51% of the country's foreign exchange savings. The relative decrease in the share indicates an increased confidence of the population in the banking system as a whole, as well as an intensified competition. However, this indirectly reflects the fact that Sberbank has focused its efforts on working with long-term deposits, which other commercial banks operating in the retail market are doing so far on a very limited scale. Therefore, a relative decline occurred in Sberbank due to a short term deposits- deposits "on demand", which is absolutely natural and was laid down in the Development Strategy of Sberbank. Sberbank accounts for more than a third of the country's credit market, and it confidently fulfills the target figures provided for in the Development Strategy for this most important indicator. It is gratifying that significant, significant results have been obtained in expanding non-cash payments by the population: today, every ninth employed person and every fourth pensioner receives a salary or pension through Sberbank. According to the bank, at the moment the RF SB holds a market share of 50% by the number of plastic cards, 30% by the number of ATMs, 53% by the amount of transactions made by the cardholder in the trade and service network. On January 1, 2002, a new currency was introduced - cash euros. Sberbank was seriously preparing for this, it was the first of the Russian commercial banks to import the required lot of this currency and, starting from January 1, ensured its availability in all exchange offices. Sberbank of Russia introduced a new product - the European deposit, which largely smoothed out the possible negative social consequences for citizens who had deposits in the currencies of the EU member states. Sberbank's clients live and work throughout Russia - from Chukotka to Kaliningrad. The capabilities of the bank's own settlement system make it possible to process, on average, over a million payments daily (slightly inferior to the settlement system of the Bank of Russia). In addition, Sberbank accepts more than two million six hundred thousand utility bills every day. The ability to immediately deliver a customer payment to any place in Russia and virtually any country in the world is the bank's most important competitive advantage. It is no coincidence that more than 500 Russian and foreign banks have loro accounts with Sberbank, actively using them to carry out client settlements. For a number of reasons, lending is of key importance for the dynamic development of Sberbank. For the formation and development of this activity, personnel were created and trained, this task remains relevant and in 2009 Sberbank is faced with a shortage of highly qualified credit personnel, despite the tremendous work that is being done to attract them. We also need additional programs to improve the qualifications of personnel, including the operating room. The bank is working on this - 252 954 people work in the Sberbank system. (as of November 1, 2009) Due to the current economic crisis, for the period from January 1 to November 1, 2009, Sberbank laid off 4,000 employees in Moscow and 2,500 in St. Petersburg. This statement was made by the President of Sberbank German Gref. In total, about 11 thousand people were dismissed in all branches of the bank. A very important issue for the bank is the level of remuneration of the bank's personnel. Sberbank's management is guided in this matter by the average level of wages for employees in the financial and credit sector in each specific region of Russia. Unfortunately, so far this is far from being achieved everywhere; in a number of regions, the comparison is clearly not in favor of Sberbank. This is already leading to the enticement of the best personnel to private commercial banks. Naturally, the management of Sberbank is adjusting its policy in this area. This takes into account, of course, the pace of business development, an increase in the need for new qualified personnel. It should be emphasized that the growth in staff costs is taking place at a slower pace than the growth in the bank's operations, as a result of which the internal cost of banking services has slightly decreased. Constant attention is paid to the issues of improving the risk management system. The current risk management system at Sberbank generally complies with the requirements The Central Bank Russian Federation. Today, automated control procedures cover operations carried out in the money and stock markets, mass customer operations in Moscow, and have begun their implementation in the regions. They have shown their high efficiency, and also contribute to the release of bank employees from routine non-creative work. Serious control over the activities of Sberbank is also exercised by its Supervisory Board. In particular, the subject of special consideration at the Supervisory Board was the issues of concentration of credit risks, lending to small businesses, tariff policy, compliance with antimonopoly legislation. Sberbank of Russia has a unique branch network: it currently includes 18 regional banks and more than 20,000 branches, additional offices and other internal structural divisions throughout the country. Presence in every region of Russia and high brand awareness are an important competitive advantage of the bank. Subsidiary banks of Sberbank of Russia operate in the Republic of Belarus, Kazakhstan and Ukraine. In a number of cases, Sberbank, unfortunately, had to make difficult decisions about closing service points, since the existing requirements for cash strength require high costs, which do not seem to be comparable with the volume of operations of small branches in remote regions. Sberbank hopes that the Bank of Russia will return to this issue this year and, possibly, will differentiate the requirements for technical strengthening of premises depending on the volume and set of operations. It should be noted that the issue of reorganizing the branch network, of course, in some cases is both social and political in nature. This is due to the fact that in a number of regions branches of Sberbank serve budget accounts. This issue is also in the field of vision of the Accounts Chamber of the Russian Federation. Sberbank sees its task in maintaining the level of accessibility of banking services in remote and rural areas. In particular, for this purpose, alternative ways of serving the population are used, such as mobile operating cash desks. Today the Bank of Russia has finally recognized their legal status. This made it possible to deploy 21 specially equipped mobile cash desks to service residents living in more than 190 settlements in Bryansk, Volgograd, Yekaterinburg, Ivanovo and other regions. In some cases, Sberbank enters into agency agreements with postal institutions. The bank is actively pursuing investment projects. Some of them were started in the pre-crisis time. 47 investment projects successfully withstood the financial turmoil and successfully completed. There are implemented projects in almost every region, in all sectors of the national economy. Among the implemented projects, one can single out: a plant for the production of hot briquetted iron at the Lebedinsky ore mining and processing plant, which is now one of the largest exporters of Russia; the second and third stages of the oil terminal in St. Petersburg; in the city of Venev, Tula region, a creamery has been operating for the second year, producing high quality environmentally friendly products using a unique technology; new ethylene production facilities in Nizhnekamsk; tea packing production in the Moscow region; a new line at the Nizhny Novgorod Oil and Fat Plant; one of the country's first geothermal stations in Kamchatka and a number of major contracts in the field of military-technical cooperation and telecommunications. A significant part of the country's population can now watch Russian TV programs exclusively thanks to Sberbank's participation in financing a project to restore and modernize the national satellite constellation. Today Sberbank is the absolute leader of the Russian banking system. By its market positions, by the volume of assets and capital, by its financial results and the scale of infrastructure, the bank is several times superior to its closest competitors. The scale and stability of the bank is especially evident during periods of instability in the financial markets. 1.3. Organizational structure and capital of the Savings Bank of RussiaThe Savings Bank of Russia was created with the aim of attracting temporarily free funds from the population and enterprises and their effective placement on terms of repayment, payment, urgency in the interests of the bank's depositors and the development of the economy. The bank is engaged in credit and settlement services for economic structures, carries out foreign exchange transactions for settlements of clients with foreign partners. With the transition to market relations The Savings Bank of the Russian Federation promotes investment of the population's savings in the economy through participation in the securities market or directly through the acquisition of means of production and independent entrepreneurial activity. The bank concentrates a significant amount of deposits and operations, has a wide network of institutions, branches, a significant number of employees. By its form of organization, the Savings Bank of Russia is a joint-stock credit institution operating on the basis of the Charter of Sberbank of Russia and in accordance with the legislation of the Russian Federation. The structure of the governing bodies The management of Sberbank of Russia is based on the principle of corporatism in accordance with the Corporate Governance Code approved by the annual General Meeting of Shareholders of the Bank in June 2002. The bank's governing bodies are (Fig. 4): The General Meeting of Shareholders is the supreme governing body of Sberbank of Russia.
Supervisory Board. The bank's supervisory board consists of 17 directors, including 11 representatives of the Bank of Russia, 2 representatives of Sberbank of Russia and 4 independent directors.
The supervisory board of the bank carries out general management of the bank's activities, with the exception of resolving issues referred by the bank's charter to the competence of the general meeting of shareholders Bank Board. The bank's board consists of 23 members. The bank's board is headed by the president, chairman of the bank's board - Gref German Oskarovich.
... Rice. 4 The competence of the bank's board includes issues of managing the current activities of the bank, with the exception of issues attributed to the competence of the General Meeting of Shareholders and the Supervisory Board of the bank. The President, the Chairman of the Board of the bank has the right to delegate certain official powers to persons subordinate to him. Since the founder of the bank is the Central Bank of the Russian Federation, it owns part of the property of the Savings Bank - a controlling stake. The other part belongs to shareholders, which are banks, institutions, organizations, joint ventures, as well as individual employees and collectives of institutions of the Savings Bank of Russia, Vneshtorgbank of Russia and the Russian Republican Directorate of Collection of the Central Bank of the Russian Federation. To organize its activities, the bank must have capital in the form of its own and borrowed funds. TO own funds include the statutory fund and Reserve capital, as well as the resources of the funds, formed at the expense of the bank's profits. The authorized capital is formed at the expense of funds contributed by shareholders, replenished by placing shares on the securities market and serves as a security for the bank's obligations. The reserve capital is formed at the expense of the bank's authorized capital and serves to cover possible losses on the bank's operations and other purposes related to securing the bank's obligations. Loans and deposits of other banks, deposits of enterprises, organizations and other lenders are used as attracted resources. Credit resources can also be the bank's own funds, deposits of citizens on accounts, bank funds, retained earnings of previous years and other borrowed funds. Equity structure Currently total amount placed shares of Sberbank of Russia OJSC is: ordinary shares with a par value of 3 rubles. - 21 586 948 000 pcs.; preferred shares with a par value of 3 rubles. - 1,000,000,000 pcs.
The number of authorized ordinary shares is 7,413,052,000. The structure of shareholders of Sberbank of Russia OJSC as of the date of closing the register of shareholders (May 8, 2009) is as follows (Fig. 5): Fig. 5 The total number of shareholders is over 270 thousand. Shareholders with a participation interest of at least 5% of the authorized capital of Sberbank of Russia OJSC (Fig. 6): Rice. 6 Branches are the main structural element of the Savings Bank of Russia system. They can have operational departments, branches serving clients, and also create agencies in coordination with other organizations. In addition, the Savings Bank of Russia has the right to create subsidiaries with the right of a legal entity, own capital and a controlling stake owned by the bank both in the territory of the Russian Federation, other CIS countries, and abroad. Chapter 2. Areas of activity of Sberbank of the Russian Federation.Sberbank invariably builds its activities on the basis of the priority of the client's interests. For the bank there are no specialized and non-core clients, there are no particularly attractive and unattractive clients. Sberbank provides loans to large borrowers - enterprises of federal significance and is rapidly increasing the volume of lending to small and medium-sized businesses and sees this as a huge potential for the Russian economy to grow and for even greater growth of its financial indicators. In 2009, small and medium-sized enterprises and entrepreneurs without the formation of a legal entity were granted loans in the amount of 136 billion rubles. This is a priority direction of the bank's activities in 2010 and for subsequent years. Sberbank does not forget private borrowers. Loans to the population are not just a slogan. The bank is trying to prove it in practice. Lending to individuals accounts for 6% of the bank's working assets. Sberbank has developed new credit products for the population. These are “Educational Loans” for obtaining higher education, loans “People's Telephone” for installing a telephone and connecting to a subscriber network, especially in rural areas and small towns. And especially popular is "Corporate Credit" to employees of enterprises and organizations - clients of Sberbank under their guarantee. A product such as "Loan secured by valuable metals" and others have also appeared. Solving the housing problems of citizens is one of the priorities of the state's social policy. Sberbank of Russia, being inherently a socially oriented bank, makes a significant contribution to this. Suffice it to say that in the total amount of loans issued to the population in the Savings Bank of Russia, more than 30% are loans for the purchase and construction of housing. These are loans for real estate, mortgages, young families, including under agreements with regional authorities. Many families have improved their living conditions with the help of loans from Sberbank of Russia. The achievement of such indicators in Sberbank of Russia was facilitated by the creation of specialized centers for mortgage lending, as well as close cooperation with partners in housing loans - real estate agencies and developer companies. The Bank retains its status as the leading operator in the government securities market. The volume of investments of Sberbank of Russia in securities as of March 1, 2009 amounted to 499 billion rubles. At the same time, the bank is doing a lot of work to optimize its securities portfolio, taking into account the requirements of liquidity and maximum return on investments. The main direction in the activities of the Savings Bank of Russia is to provide the population with a variety of services. Sberbank carries out: accepting and issuing deposits; credit and settlement services to clients; new types of services - the issuance of sureties, guarantees and other obligations for third parties, providing for their execution in cash; purchase and sale of foreign currency to organizations and the population. The Bank strives to comply with the interests of depositors as much as possible and takes care of satisfying its own interests, seeking to obtain the greatest profit from credit and other activities. 2.1. Passive operations
2.1.1. Attraction of deposits from individuals.Sberbank of Russia is the largest bank in Russia for servicing individuals, on the accounts of which in the branches of the bank as of November 1, 2009, 49.8% of all funds placed by citizens in the country's commercial banks are concentrated. Private deposits in Sberbank have been steadily increasing over the past three years (Fig. 8). The average growth rate of private deposits during this period was 18.8%. The deposit can be made in various currencies: rubles, euros, US dollars, pounds sterling, Swiss francs, Swedish kronor and other world currencies. Let's consider the main types of deposits opened with Sberbank (Fig. 9). Fig. 9 Name of the deposit of Sberbank of Russia
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Account currency
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Partial withdrawal of funds from the account
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Deposit
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Ruble, US dollar, euro
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-*
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-
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1,25-8
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Replenishing deposit
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-
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+
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1,25-6,75
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Special
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+**
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+
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1,1-6,75
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Cumulative
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Ruble
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-
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+
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5,75-7,75
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Confidant
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-
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-
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8-8,5
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Multicurrency
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Ruble, US dollar, euro
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-
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+
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0,01-6,25
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Universal
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Ruble, US Dollar, Euro, GBP, Swiss franc, Swedish krona, Singapore dollar, Norwegian krone, etc.
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+
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+
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0,01
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The procedure for calculating interest for the above types of deposits is as follows: interest is calculated upon the expiration of each monthly period determined from the date of opening an account on the deposit (from the date of prolongation), as well as upon the expiration of the main (prolonged) period. If the depositor claims the amount of the deposit before the end of the main (prolonged) term, the income for the incomplete term is calculated: - upon requesting a deposit within the first 6 months of the main (extended) term - based on interest rate established by the bank for demand deposits; - if the deposit is called up after 6 months of the main (prolonged) term - based on the interest rate set by the bank for this type of deposits on the date of opening (prolongation) of the deposit. * The possibility of partial withdrawal of funds from the deposit is not provided. The depositor only has the right to transfer interest on the deposit to the bank card account opened with the bank. The depositor can also deposit and withdraw from it a currency other than the currency of the deposit. ** The possibility of partial withdrawal of funds from the deposit is provided. If the depositor claims the amount of the deposit before the end of the main (prolonged) term, the income for the incomplete term is calculated: - for deposits for a period of 6 months or less - based on the interest rate set by the bank on demand deposits; - for deposits for a period exceeding 6 months: - upon demanding a deposit within the first 6 months of the main (extended) term - based on the interest rate set by the bank on demand deposits; - upon claiming a deposit after 6 months of the main (prolonged) term - based on 2/3 of the interest rate set by the bank for this type of deposits on the date of opening (prolongation) of the deposit. 2.1.2. Placement of temporarily free funds of small, medium-sized enterprises and corporate clients.
Guaranteed receipt of interest income on cash at competitive rates; simplicity and manufacturability of deposit transactions: - on the basis of separate Bank Deposit / Deposit Agreements; - on the basis of Agreements on general conditions for attracting funds to a deposit / deposit; the possibility of periodic receipt of accrued interest to finance current activities; the possibility of changing the amount of funds on the terms agreed with the Bank; simplification and optimization of the company's liquidity management by concluding short-term transactions (from 1 to 6 days) on terms close to the conditions of the interbank market.
Instruments for placing temporarily free funds Deposits for a period (from 7 days); short-term (up to 6 days) deposits; deposits with the possibility of partial withdrawal and replenishment of the placed amount; promissory notes of Sberbank of Russia; certificates of deposit of Sberbank of Russia; irreducible balance on settlement, current accounts.
2.2.3. Custody services for clients and deposit operations for financial institutions.Sberbank of Russia offers a wide range of custody services, including: opening all types of securities accounts required for accounting and transfer of rights for Russian and foreign securities; storage and accounting of ownership rights to securities, including storage and accounting of documentary / non-equity securities; conducting depository operations on transactions with securities, including using correspondent depo accounts of Sberbank of Russia in the international clearing and settlement centers Clearstream Banking and Euroclear Bank; carrying out transactions with bills of exchange of Sberbank of Russia: acceptance for storage and accounting, depositary transfers on accounts in the depository accounting system of Sberbank of Russia, exchange and redemption of bills; encumbrance with obligations of securities: registration and accounting of pledge transactions; corporate actions of issuers: consolidation, conversion, splitting, participation in shareholders' meetings by proxy; payment of income on securities, redemption of securities and coupons of securities.
The custodian of Sberbank of Russia acts as a sub-custodian of JPMorgan Chase Bank N.A. on storage of the underlying asset for the issue of depositary receipts for shares of OJSC NK Rosneft, OJSC Novorossiysk Commercial Sea Port, OJSC Magnit. The specialized depository is a separate structural subdivision of the Depository of Sberbank of Russia, servicing joint-stock investment funds (AMF) and mutual investment funds (UIF), as well as maintaining the register of owners of investment shares of UIF. " The depository of Sberbank of Russia is one of the largest banking depositories in Russia and offers its clients (residents or non-residents of the Russian Federation) a full range of depository services with securities of Russian and foreign issuers in all regions of the Russian Federation. Depository activities have been carried out by Sberbank of Russia since 1997. Sberbank of Russia has a wide branch network in Russia and serves over 245,000 depo accounts. Clients of the Depository of Sberbank of Russia can submit depositary orders and receive reports on the execution of transactions in person at more than 500 branches of Sberbank of Russia throughout the country. Also, to exchange information with clients, the Bank uses various types of remote services, including the Bank / Client systems, SWIFT and the EDM system of Sberbank of Russia. Depository accounting is carried out in the centralized automated information system "Depositary" (developed by Sberbank of Russia), which meets the requirements for keeping depository accounting imposed by the regulatory documents of the Russian Federation, and also has a high degree of security and fault tolerance. Information security measures applied to the system correspond to the highest category, ensure the safety and confidentiality of stored information. Its high efficiency has been repeatedly proven, in particular, during the "people's" IPO of OJSC NK Rosneft and Sberbank of Russia (OJSC). Sberbank of Russia conducts deposit operations: with resident banks - on the basis of the Agreement on General Conditions for Conducting Bilateral Transactions in the Interbank Market; with non-resident banks that have a risk limit (in this case, a signed Agreement is not required); with non-resident banks that do not have a risk limit - only raising funds and on the basis of the Agreement on General Conditions for Conducting Bilateral Transactions in the Interbank Market;
2.2.4. Bills and certificates of Sberbank.
Bank promissory notes can be used both for quick settlements and as a means of accumulating funds - an interest-bearing bill provides for the accrual of interest, the amount of which depends on its value and circulation period. In addition, a bill of exchange can become a collateral for obtaining a loan. Bill of Sberbank of Russia - instrument: for payments for goods, works, services; for investing funds for the purpose of generating income; for use as security when obtaining a loan or guarantee from the Bank.
Bills of Sberbank of Russia are issued on forms with a high degree of protection against counterfeiting and printed on the MPF GOZNAK. The Bank issues the following types of promissory notes: interest-bearing bill of exchange denominated in rubles and foreign currency; discount bill of exchange denominated in rubles and foreign currency;
The Bank issues interest-bearing bills with the following maturities: "Upon presentation, but not earlier than a certain date and not later than a certain date";
The Bank issues discount bills with the following maturities: "On a certain day"; "Upon presentation, but not earlier than a certain date."
The bank also issues simple convertible bills of exchange (interest and discount) - the bill is denominated in US dollars or euros and contains a payment clause in the currency of the Russian Federation, that is, it is paid by the bank in the currency of the Russian Federation. The first holder of a bill purchases a bill of exchange for the currency of the Russian Federation. Bills of Sberbank of Russia are issued and accepted for payment by the structural divisions of the bank, authorized to perform transactions with bills. Issuance of a bill is made on the basis of the Issue Agreement. The agreement, at the request of the client, can be concluded in one branch of the bank, and the issuance of bills is made in a branch located in another city. A bill of exchange can be transferred to another person by means of a transfer note (endorsement). The endorsement shall be affixed with the handwritten signature of the holder of the Bill or the attorney by proxy on the back of the bill. Each endorsement must have a sequential number. Partial endorsement is invalid. The Sberbank of Russia certificate of deposit is a registered security certifying the amount of the deposit in the currency of the Russian Federation deposited with the bank and the rights of the depositor (certificate holder) to receive the deposit amount and the interest specified in the certificate after the expiry of the specified period. A fixed interest rate is set for the entire period of the deposit. The bank accepts certificates as collateral for issued loans and guarantees. Certificates of deposit of Sberbank of Russia are issued on forms with a high degree of protection against counterfeiting and printed on the MPF GOZNAK. Legal entities and individual entrepreneurs, residents and non-residents can purchase a certificate of deposit. Certificates are sold and accepted for payment by the structural divisions of the bank, authorized to perform operations with certificates of deposit. The minimum amount of a deposit with a certificate of deposit is 50,000 rubles. The maximum amount has not been set. The maximum period for which a certificate of deposit is issued is 3 years. The issuance of a certificate of deposit is carried out on the basis of a concluded bank deposit agreement. Payment of interest on the certificate is made simultaneously with its redemption. Calculations for the sale and purchase of certificates are made only by bank transfer. 2.2.5. Corporate treasurySberbank supports corporate treasury systems for corporate clients using the Client-Sberbank automated system. The use of the automated system "Client-Sberbank" allows for the technical implementation of the following services of the "Corporate Treasury": provision of up-to-date information on the flow of funds on the accounts of branches and subsidiaries; control over expense transactions of branches and subsidiaries; establishment and automatic control of the execution of budgets of branches and subsidiaries; consolidation of funds in a single account; automatic confirmation of accounts of branches and subsidiaries in case of a lack of funds for the execution of expense transactions.
The list of products included in the support system of the "Corporate Treasury" is constantly expanding and supplemented with new functions. 2.2. Active operations
2.2.1. LendingIn 2009, the leader in consumer lending is Sberbank of Russia. He owns 29.8%, or $ 37.4 billion. of the total volume of all loans issued in Russia. In 2008, the share of Sberbank was 32.5% or $ 42 billion, according to the financial statistics agency Statbanker.ru. The Savings Bank of the Russian Federation provides the following types of loans: a) Car loan with government subsidies. The state program allows individuals to receive a subsidy to pay part of the interest payments on the "Auto Loan". Loans are provided for the purchase of new (not registered with the state registration) cars of domestic and foreign brands produced in the territory of the Russian Federation. b) Corporate loan. An enterprise that is a client of a bank that has entered into a cooperation agreement with Sberbank can receive this type of loan for any purpose of spending. c) Short-term loans to small and medium-sized enterprises The consumer of this loan can be an individual entrepreneur or a legal entity with a minimum period of economic activity of 2 years in order to replenish working capital and small investments. a) Loan for urgent needs of individuals. Credit for urgent needs
Loan amount
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education credit
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1. Depends on the borrower's solvency and loan security
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Established by the Committee of the Security Council of the Russian Federation on Interest Rates and Limits
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Up to 5 years
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Monthly starting from next month after registration of the loan agreement
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Double effective interest rate under the loan agreement
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The loan is provided in rubles or foreign currency
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2. The maximum loan amount is USD 10,000 or the ruble equivalent
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If the agreement is concluded at the end of the month, it is allowed to establish in the agreement the beginning of loan repayment and interest payment a month later.
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Loans in rubles are issued in cash or by bank transfer. A loan in foreign currency is issued only by crediting to the account on demand or to the account of the borrower's bank card
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B) A loan for the purchase of a car to individuals. This type of loan is allocated for the purchase of a new or used vehicle of foreign or domestic production. The loan is secured by the pledge of the acquired property, the surety of the spouse / spouse of the borrower, while the pledge agreement for the purchased vehicle is drawn up prior to the state registration of the car simultaneously with the execution of the loan agreement. C) Loan secured by securities to individuals. Institutions of the Savings Bank of the Russian Federation provide loans to individuals secured by the following securities: savings certificates of Sberbank of Russia, shares of Sberbank of Russia, bills of Sberbank of Russia, as well as bonds of the state savings loan and bonds of the internal state foreign currency loan Loan secured by securities
To issue a loan, you need to pay attention to the fact that: securities should only be owned by the borrower; the term for payment (redemption) of securities must exceed the term of the loan agreement; when accepting mortgaged securities with different payment (redemption) terms, the term of the loan agreement is determined by the term of the security, the term of payment (redemption) of which expires earlier; in the event of a decrease in the market value of securities by more than 10%, the borrower must post additional security or make partial repayment credit.
When issuing a loan, the assessed value of securities is taken into account: certificates of the Security Council of the Russian Federation - no more than 100% of their nominal value; simple interest-bearing bills of the Security Council of the Russian Federation - no more than 100% of their nominal value with due interest; ordinary discount bills - no more than 100% of the price of early redemption of the bill (the amount paid to the holder of the bill), calculated as of the date of loan repayment; shares of the Security Council of the Russian Federation - no more than 90% of their market value; bonds of the state savings loan, the maturity date of which comes counting from the date of accepting the securities as collateral - no more than 85% of the market value; bonds of foreign currency internal loan - no more than 80% of their market value.
d) Overdraft loans with bank cards of Sberbank. An overdraft on a bank card account, depending on its size and type of card product, may or may not be allowed. An unauthorized overdraft includes an overdraft arising on accounts of debit card products, for which it is not provided for by the regulations for servicing card products and the tariffs of Sberbank of Russia, as well as an overdraft in excess of the permitted amount. The authorized overdraft is formalized by opening a loan account. If the amount of the allowed overdraft on the card account is exceeded, the specified debt is transferred to the account of overdue loans no later than the day following the day the institution of Sberbank of Russia received the payment documents. An unauthorized overdraft is formalized by opening a loan account with the simultaneous transfer of debt to the account of overdue loans. Debt repayment (overdraft amount and interest for it) is made in rubles or US dollars, depending on the card account, by replenishing the card account. In the documents for accepting payments, the amount of interest for the overdraft is indicated separately. E) Loans to individuals to pay for education. Also, among the loans to the population issued to Sberbank, one can single out a loan to pay for the education received at the day, evening or correspondence department of an educational institution registered in the territory of the Russian Federation, according to one of the professional education programs (primary, secondary, higher or additional). The loan is issued for a period of up to 11 years, including the period of study, for which there is a deferral in the repayment of the principal debt, and the repayment of the principal amount after graduation, which cannot exceed 5 years. a) Loans to individuals for the purchase, construction, reconstruction, repair and decoration of a real estate object in Russia b) For the purchase of real estate under the presidential program "State housing certificates". The Savings Bank also provides loans to individuals for the purchase of real estate in the framework of the presidential program "State housing certificates". This program has been implemented since July 1, 1998. The Savings Bank accepts state housing certificates from the owners and concludes agreements with their owners to open and maintain blocked personal accounts. c) Long-term loans to small and medium-sized enterprises. Long-term loans to small and medium-sized enterprises are issued by Sberbank for the following purposes: for the purchase of commercial real estate ( target loan secured by the acquired real estate), for investments in fixed assets (long-term loan program with the ability to attract a large amount credit funds), a loan for the purchase of vehicles. d) Long-term loans to corporate organizations. A corporate loan in Sberbank of Russia is aimed at any effectively operating legal entity - a resident of the Russian Federation or an individual entrepreneur, from the moment of state registration of which at least 1 year has passed, and has no outstanding obligations to the bank and other creditors. Loans are provided for a period of up to 1.5 years in rubles and foreign currency in cash and promissory notes under the types of collateral specified by the Bank. The interest rate is determined based on the conjuncture of the financial market, as well as individual credit conditions and the borrower's solvency. The size and composition of commission payments are established taking into account the lending regime, the characteristics of the lent transaction and other factors. The source of repayment of the loan is the cash flow from the current production and financial activities of the Borrower. As part of long-term lending to corporate organizations, Sberbank offers loans for the following purposes:
replenishment of working capital (financing of current activities, payment of taxes, fees, rental costs, repairs, wages, advertising, etc.); acquisition of movable and immovable property, intangible assets; covering the costs of overhaul, technical re-equipment (modernization); research and development, pre-design and design work; business expansion and consolidation; crediting of leasing operations; debt repayment to third creditors (loan refinancing); formation of coverage for letters of credit.
In addition, the bank offers the following types of loans: overdraft lending; lending operations with by letter of credit calculations; loans secured by commercial real estate objects; loans on terms that take into account the specifics of the activities of retail chain operators, enterprises of the silver and gold mining industry, agricultural producers.
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E) Investment lending For more than 10 years, Sberbank of Russia has been involved in financing long-term investment projects in all sectors of the Russian economy, being the market leader in terms of the volume of financing provided, in terms of industry and product diversification. The bank offers the following services for corporate clients: medium and long-term financing of investment projects; financing of mergers and acquisitions (M&A) transactions; financing of leasing transactions; organization of placement of bonded loans; provision of bank guarantees in the framework of financed projects; lending within the framework of export financing under the insurance of the export agency.
In addition to the above types of lending, Sberbank of Russia provides loans to the constituent entities and municipalities of the Russian Federation. These loans are provided for a period of up to 3 years (depending on the internal credit rating established by the bank) or in accordance with the terms of the project (target program). When lending within the framework of a revolving line, it is possible to set one or more loan terms at the same time. Lending to the constituent entities of the Russian Federation and municipalities has the following goals: Lending is carried out on general terms, which include: The Bank provides loans to Russian citizens aged 18 to 70 years, who have permanent registration (residence permit) and a permanent income, provided that the loan repayment period under the agreement comes before the borrower is 75 years old. When providing loans for an amount not exceeding USD 20 (or the ruble equivalent of USD 20), or for a period not exceeding two months, there is no maximum age limit. The loan amount is determined on the basis of an assessment of the borrower's solvency and the provided security for the loan repayment, and also cannot exceed the limit value established by the Sberbank of Russia for a specific type of loan. The borrower's solvency is assessed on the basis of a certificate of the average monthly salary for the last six months or according to the income statement for the previous year. A prerequisite for granting a loan is the availability of security for the timely and full performance of obligations by the borrower (contracts of surety of individuals and legal entities, contracts of pledge of property).
5. The borrower pays annual interest to the bank for using the loan. Interest is paid on a monthly basis at the same time as the loan is repaid starting from the 1st day of the month following the month of concluding the loan agreement. The bank may unilaterally change the interest rate. 6. In case of late payment of the loan and / or interest repayment, the borrower pays to the bank a penalty on the amount of the overdue payment on the principal and interest. Loans in foreign currency are issued on a non-cash basis, which is stipulated by the agreement. Loans may not be issued in installments. An exception is a loan for the construction or reconstruction of real estate, which is issued in two or more installments. The size of the first part is from 20 to 50% of the amount under the loan agreement, each subsequent amount is issued to the borrower only after they have provided a report on the use of the previous one. This loan is issued for two years. The date of repayment of the debt on the loan is the date of receipt of funds in the cashier's office or on the correspondent account of the bank, or the date of debiting the funds from the client's account on the deposit, if the account is opened with the bank that issued the loan. The amounts contributed by the borrower to repay the debt on the loan are sent regardless of the purpose of the payment in the following order: payment of the forfeit; payment of overdue interest; payment of urgent interest; to pay off overdue debt on a loan; to pay off urgent debt on a loan. The deferral of a loan for the construction and reconstruction of facilities is provided for a period of no more than two years. When calculating solvency, the loan term is taken into account minus the grace period. There is no delay in the payment of interest. The main conditions of a loan for urgent needs are given in table. 1. Loan security forms. The forms of securing the repayment of the loan are: surety agreement (from an individual or legal entity); property pledge (movable property: vehicles and other property, as well as liquid securities owned by individuals and legal entities; real estate).
The surety agreement is drawn up in the bank within five days from the date of the loan agreement. The guarantor is jointly and severally liable with the borrower under the loan agreement. The property pledge agreement can be concluded both with the borrower and with a third party. The pledge agreement specifies: the subject of the pledge and its assessment, the amount and terms of fulfillment of obligations under the loan agreement. And also which of the parties has the pledged property and the address of the pledged item. Loan repayment and interest collection. The loan is repaid monthly starting from the 1st day of the month following the month of the conclusion of the loan agreement. Interest is charged for each day of using the loan. The term for calculating interest for the use of a loan starts from the date of the formation of the debt on the loan account and ends with the date of repayment of the debt (inclusive). In the institutions of the Savings Bank of the Russian Federation, individual clients can be offered various types of foreign currency deposits. 2.2.2. Lending to the constituent entities of the Russian Federation and municipalitiesSberbank of Russia provides loans to the constituent entities of the Russian Federation and municipalities within the established risk limits for the following purposes: financing the budget deficit; repayment of state (municipal) debt obligations; implementation of government programs and projects with government support; financing of long-term targeted programs.
Loans are provided for up to 3 years (depending on the internal credit rating established by the bank) or in accordance with the terms of the project (target program). When lending within the framework of a revolving line, it is possible to set one or more loan terms at the same time. Issuing collateral for a loan is optional. Loans for the implementation of state programs and projects with state support can be issued against guarantees of the constituent entities of the Russian Federation and municipalities. 2.2.3. Interbank lendingSberbank of Russia offers credit institutions the following interbank lending programs: unsecured loans for up to 90 days; loans secured by bills of exchange and Bank certificates for up to 7 days; loans secured by securities and bullions of precious metals for a period of 1 to 6 months.
The maximum loan interest is determined within the risk limit set for the counterparty bank. The interest rate on a loan depends on the bank's rating, the term of the loan and the type of loan collateral, the current situation in the money and interbank markets. |
2.1 Priority areas of activity of Sberbank of Russia
Sberbank of Russia is a universal commercial bank that meets the needs of various groups of clients in a wide range of high-quality banking services throughout Russia. Acting in the interests of depositors, customers and shareholders, the Bank seeks to effectively invest the funds raised from private and corporate clients in the real sector of the economy, lend money to citizens, and contribute to the sustainable functioning of the Russian banking system and saving household deposits.
The main directions of the Bank's activities:
Lending to Russian enterprises;
Lending to private clients;
Investment in government securities and bonds of the Bank of Russia;
Carrying out transactions on a commission basis.
Funds for the implementation of these activities are attracted by the Bank from the following sources:
Shareholders funds;
Private deposits;
Funds of legal entities;
Other sources, including borrowing from international financial markets.
2.2. Credit policy of Sberbank of Russia
Basic terms of credit policy.
Loans are provided to individuals - citizens of the Russian Federation aged 18 and over, provided that the loan repayment period under the agreement is:
with differentiated payments - comes before the borrower is 75 years old;
for annuity payments - limited to the working age of the borrower.
Loans are provided:
at the place of permanent residence (registration) of the Borrowers, upon temporary registration for the period of registration;
at the location of the enterprise - employer of the Borrower, client of the Bank, if there is an employment contract concluded for an indefinite period between him and the borrower
Loans in the amount of up to 45,000 rubles, inclusive, can be provided without collateral, over 45,000 rubles, it is necessary to ensure the timely and full fulfillment of obligations by the borrower.
The procedure for granting a loan.
To obtain a loan, you must provide the following documents:
Application form
Borrower's passport, his guarantor and / or pledger (presented)
documents confirming the financial condition of the borrower and his guarantor (2-NDFL)
Calculation of the solvency of borrowers.
When issuing a loan (except for "Pension"), the Bank has the right to take into account the solvency of the Borrower, in addition to his income at the main place of work, one of the following types of income:
income received by him at another place of work, if the term of the employment contract (civil law contract) exceeds 1 year, subject to confirmation of the specified income and the deductions made by a corresponding certificate;
income received by him from private practice, or other sources of income permitted by law, confirmed by a tax return with a stamp of the tax authority;
income of the spouse of the Borrower from one place of work (spouse's pension);
the amount of the pension, early assigned for old age or seniority and received by the Borrower who has not reached the retirement age established by law (55 years for women, 60 years for men), for the period until he reaches retirement age. [Appendix 2]
2.3 International bank cards
Sberbank of Russia offers a wide range of bank cards of international payment systems Visa International and MasterCard International (and all card products based on them), as well as microprocessor cards of Sberbank of Russia SBERKART.
The volume of cards issued by Sberbank of Russia as of 01.07.2008 amounted to 26.2 million cards, having increased in the first half of 2008 by 12.3%.
The number of cards of international payment systems Visa and MasterCard increased in the 1st half of 2008 by 14.1% and amounted to 23.0 million cards (88% of the total issue), including:
MasterCard and Maestro - 13.3 million cards;
Visa and Visa Electron - 9.7 million cards.
The number of microprocessor cards SBERCARD increased in the 1st half of 2008 by 0.6% and amounted to 3.2 million cards.
Sberbank of Russia continued to work with target groups of clients, for whom special card products and services were developed.
As of July 1, 2008, Aeroflot issued 290.2 thousand Visa cards, the holders of which are simultaneously members of the Aeroflot Bonus program, implemented by Aeroflot - Russian Airlines.
The number of Sberbank-Maestro "Social" cards intended for receiving pensions, allowances, subsidies and other payments of a social nature increased in the 2nd quarter of 2008 by 11% and exceeded 4.2 million cards.
Sberbank of Russia serves card transactions in more than 5.3 thousand settlements located in all constituent entities of the Russian Federation.
There are 10.7 thousand cash withdrawal points in the Sberbank of Russia system, of which 10.3 thousand service transactions with cards of international payment systems Visa and MasterCard and 10.0 thousand - with microprocessor cards SBERCARD.
Sberbank of Russia also serves 3.3 thousand information and payment terminals, of which 3.2 thousand service operations with international bank cards, 2.1 thousand - operations with SBERCARD cards.
The number of retail and service outlets with which Sberbank of Russia entered into agreements on accepting bank cards as a means of payment amounted to 58.8 thousand, of which 52.3 thousand service operations with international cards, 28.6 thousand - operations with cards Sbercard
Procedure for issuing cards
Basic personal cards (not including salary):
Sberbank - Visa Electron and Sberbank - Maestro cards are issued - to individuals who have reached the age of 14, who have an identity document, as well as registration (residence permit) or temporary registration on the territory of the Russian Federation.
Visa Classic, Visa Gold, MasterCard Mass, MasterCard Gold are issued to individuals who have an identity document who have reached the age of 18 and are permanently registered in the service area of the territorial bank
Salary cards
Employees of an enterprise / organization (students) that have entered into an agreement with a subdivision of the Bank - individuals who have reached the age of 18, who have an identity document, regardless of their place of registration (registration).
Additional maps:
a) persons who have reached the age of 14, at the Application of the Main Holder, regardless of their place of registration (registration);
b) to persons who have reached the age of 10, provided that they are closely related to the Primary Cardholder (as well as if the person is under the care of the Primary Cardholder). Written consent of the parents, adoptive parents or guardian is required in accordance with Articles 26 and 28 of the Civil Code of the Russian Federation, if none of them is the Primary Cardholder
Corporate cards
Employees of the Enterprises who have an identity document, regardless of their place of registration (registration). [Appendix 3]
IV. Development prospects of Sberbank of Russia
When determining the prospects for its development, Sberbank of Russia proceeds, first of all, from an analysis of the current macroeconomic situation, a study of internal and external opportunities for the development of financial transactions. The Bank strives to develop existing competitive advantages and create new points of growth for its business.
The emerging external conditions: increased competition in the domestic and international financial markets, deepening uncertainty about the prospects for further development of the world economy - form the preconditions for setting a strategic task for the Bank to actively increase the rate of business growth and diversify business areas.
At the same time, Sberbank of Russia sees its main strategic goal as maintaining investment attractiveness and joining the group of the largest banks in the world in terms of market capitalization.
The increase in market capitalization will be associated with the economic effect obtained as a result of improving and, if necessary, restructuring the internal processes of the Bank, optimizing the corporate governance system, taking into account current trends in the national and global economy.
Another important task facing the Bank on the way to building up its market capitalization is to maintain and strengthen its position in the Russian financial services market. To this end, Sberbank of Russia plans to build a fundamentally new system of work with clients, focused on the most efficient service of the main client groups. To provide clients with a full range of financial services, the Bank plans to enter new segments of the financial market and create new banking products.
In order to improve the quality of service, Sberbank of Russia will actively develop and improve channels for the sale of financial products and services. The Bank's branch network will be optimized, and remote banking service channels will be developed.
The successful work of Sberbank of Russia in these areas will largely be determined by efforts to develop a technical and technological platform for doing business, and further improve the information exchange system between the bank's divisions.
In the current conditions of uncertainty in the development of the global financial market, special attention will be paid to improving and keeping up to date the risk management system.
Conclusion
I did an internship for 4 weeks in a structural unit of Sberbank of Russia No. 8606/0024
At the beginning of the practice, I got acquainted with the constituent documents of Sberbank of Russia and the list of documents that constitute a commercial secret.
It was in practice at Sberbank that I had the opportunity to compare theoretical foundations and knowledge with practical activities.
In the course of my practice, I had to familiarize myself with the following documents:
The procedure for performing transactions with international bank cards in the subdivisions of Sberbank of Russia (Emission) No. 299-2-r
Rules for lending to individuals of Sberbank of Russia and its branches No. 229-2-r
Familiarization with these documents gave me the opportunity to study in more detail the work of the branch employees during the practice.
In the structural unit of Sberbank, there are 2 systems of work:
through the computer system of the AS Client-Sberbank;
receiving documents directly from clients and entering them into the client base.
The work actually turned out to be very time-consuming and gave rise to many questions from my side to the manager and the clerks and helped to understand the intricacies of the workflow.
I find the advantages of the internship I have completed in the fact that I got acquainted with a large amount of information on which banking activity is based, got acquainted with the computer work programs of Sberbank of Russia and acquired the skills to work with its internal documentation.
rating | Bank's name | Net assets, thousand rubles |
1
| Sberbank of Russia | 5 612 305 867
|
2
| Gazprombank | 877 898 361
|
3
| Rosselkhozbank | 626 657 613
|
4
| Bank of Moscow | 585 203 426
|
5
| Alfa Bank | 577 747 942
|
6
| Raiffeisenbank | 457 593 642
|
7
| UniCredit Bank | 436 565 836
|
8
| VTB 24 | 432 439 621
|
9
| Rosbank | 419 134 539
|
10
| Uralsib | 401 255 627
|
11
| Promsvyazbank | 371 694 318
|
12
| MDM-Bank | 303 172 654
|
13
| Nomos-Bank | 220 268 419
|
14
| Citibank | 192 338 301
|
15
| Petrokommerts | 177 453 057
|
16
| Svyaz-Bank | 169 828 868
|
17
| Russian standard | 166 776 919
|
18
| Absolut Bank | 160 290 469
|
19
| Transcreditbank | 155 144 038
|
20
| Zenith | 149 761 666
|
21
| ING Bank | 137 311 260
|
22
| Bank Societe General Vostok | 133 530 246
|
23
| Revival | 132 570 386
|
24
| International Industrial Bank | 120 553 796
|
25
| Union | 107 715 155
|
26
| Orgresbank | 106 119 129
|
27
| Moscow Bank for Reconstruction and Development | 98 343 559
|
28
| Globex | 90 248 327
|
29
| HCF Bank | 76 371 851
|
30
| Sobinbank | 74 732 782
|
31
| Gazenergoprombank | 74 117 321
|
32
| Rus-Bank | 69 518 058
|
33
| National Bank "Trust" | 67 122 343
|
|
|