 |
|
Sber-City in Moscow, Sberbank’s headquarters[1] |
|
|
Native name |
Сбербанк |
|---|---|
| Formerly | Savings bank of Russia (RSFSR) (1842–1991) |
| Type | Public (ПАО) |
|
Traded as |
MCX: SBER |
| Industry | Banking, financial services |
| Founded | 22 March 1991; 31 years ago (through the reorganization of the Savings bank of the RSFSR) |
| Headquarters | Moscow, Russia 55°41′55.69″N 37°34′45.54″E / 55.6988028°N 37.5793167°ECoordinates: 55°41′55.69″N 37°34′45.54″E / 55.6988028°N 37.5793167°E |
|
Key people |
Anton Germanovich Siluanov (Chairman-Supervisory Board) Herman Gref (CEO, Chief Executive Officer & Member-Supervisory Board) [2] |
| Products | Consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, savings, securities, asset management, wealth management, credit cards |
| Revenue | $40 billion[3] (2017) |
|
Operating income |
$23.6 billion[4] (2020) |
|
Net income |
$16.9 billion[5] (2021) |
| Total assets | $559 billion[5] (2021) |
| Total equity | $76.6 billion[5] (2021) |
| Owner | National Wealth Fund, Government of Russia (50%+1 share)[6] |
|
Number of employees |
281,000 (2019)[7] |
| Subsidiaries | Sberbank CIB SberTech Subsidiaries in some European and post-Soviet countries |
| Rating | Ba2 (Moody’s), BBB- (Fitch) (2017)[8] |
| Website | sberbank.com sberbank.ru |
PJSC Sberbank (Russian: Сбербанк, initially a contraction of Russian: сберегательный банк, romanized: sberegatelnyy bank, lit. ‘savings bank’) is a Russian majority state-owned banking and financial services company headquartered in Moscow. It was called Sberbank of Russia until 2015 (currently: Sber). Sberbank has operations in several European nations, primarily post-Soviet countries.
By 2022, the bank accounted for about a third of all bank assets in Russia.[9] The bank’s rise since 1990s is in part due to its close connections to the Russian government.[9] As of 2014 it was the largest bank in Russia and Eastern Europe, and the third largest in Europe, ranked 60th in the world and first in central and Eastern Europe in The Banker‘s Top 1000 World Banks ranking.[10] In the world ranking of public companies Forbes «Global 2000» Sberbank takes 51st place.[11]
History[edit]
Russian coin commemorating the establishment of the first savings banks in the Russian Empire in 1841.
Early history[edit]
Sberbank’s history goes back to Cancrin’s financial reform of 1841,[12] when a network of the first state-owned savings banks was created in Russian Empire. By the end of the 19th century, the network reached almost 4 thousand outlets with over 2 million depositors.[13]
Since 1905, savings bank outlets became authorised to sell insurance. After 1910, savings banks started subsidising credit cooperation institutions and extending loans to small lenders. In 1915, savings bank outlets started accepting government securities for depositing.[14]
Soviet savings banks system[edit]
After the October Revolution of 1917, the state savings banks system continued its activity and growth under the management of the Finance Ministry of the USSR as the State Labour Savings Banks System. From 1926, the saving bank outlets were used to pay wages to blue- and white-collar workers. The savings banks were used to distribute state lottery tickets and for the placement of state bonds with the population. The savings banks introduced wider services such as money transfers.[15]
By late 1980s, the Soviet savings bank system had almost 80 thousand branches. As part of Perestroika reforms, in 1987 the savings bank outlets are reorganised into the Savings Bank of the USSR. Within the Savings bank of the USSR,[16] separate savings banks were created in the Soviet Republics. Following the dissolution of the USSR, the former republican savings banks became state savings banks of the newly independent post-Soviet states.
In 1991, the Savings bank of the RSFSR has been reorganised into the Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia).
Sberbank of Russia[edit]
In post-Soviet Russia, Sberbank is the largest universal bank despite growing competition from private and other state-owned commercial banks. The bank has gradually expanded its international presence.[17]
Since 2007, Sberbank is led by former economy minister Herman Gref who is a very close friend of Vladimir Putin.[18]
Volksbank International acquisition, 2011[edit]
In 2011, Sberbank acquired Volksbank International AG from its shareholders Österreichische Volksbanken AG, BPCE, DZ Bank and WGZ Bank. The deal included all Volksbank assets — banks in Slovakia, Czech Republic, Hungary, Slovenia, Croatia, Ukraine, Serbia and Bosnia and Herzegovina, except for Volksbank Romania. The agreed price was €585 to €645 million, depending on Volksbank business performance in 2011. Volksbank’s total assets excluding Romania was €9.4 billion in June 2011.[citation needed] On 16 December 2013, Volksbank (Ukraine), which was a wholly owned subsidiary of Sberbank, changed its name to VS Bank [uk] (Ukrainian: ВіЕс Банк).[19][20]
Denizbank acquisition, 2012[edit]
In June 2012 Sberbank bought the Turkish DenizBank for Turkish lira 6,469 billion (about EUR 2,821 billion or US$3.504 billion) from the lender Dexia, which in 2011 was «partly nationalized by the governments of France, Belgium and Luxembourg».[21] The deal included DenizBank subsidiaries in Turkey, Austria and Russia.[22]
US, EU, Switzerland, and Ukraine sanctions: 2014-2017[edit]
After the annexation of the Crimean Peninsula by Russia in 2014, the Obama administration imposed targeted sanctions on 12 September 2014, through the US Department of Treasury’s Office of Foreign Assets Control (OFAC) by adding Sberbank and other entities to the Sectoral Sanctions Identifications (SSI) List.[23][24][25][26][27][28][29][30][31] This was done in concert with 31 July 2014 addition of Sberbank to the European Union sanctions list.[32][33] Sanctions consist of access restriction to the EU and US capital markets.[34][35][36] After announcement of the sanctions, and by the end of July, Sberbank’s market value had dropped the most market value among the world’s major lenders plus investors moved $22 billion from Sberbank’s market capitalization.[37] Still, during the following year Sberbank’s share price grew back 89%.[38] Sberbank together with other Russian banks filed claims with the highest EU court to lift the punitive economic measures.[citation needed]
On 27 August 2014, Switzerland imposed sanctions on Sberbank and other Russian financial institutions.[39]
On 22 December 2015, the United States imposed additional sanctions on Sberbank and its subsidiaries.[40][41][25][26][27][31]
On 17 October 2016, Ukraine imposed sanctions against Sberbank Russia, Sberbank Leasing, and their payment systems Kolibri (Hummingbird), formerly Blitz (Ukrainian: «Колибри» стара назва – «Блиц»).[42][43][44]
On 15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbas.[45][46][47]
2017 sale of VS Bank to Tihipko[edit]
In December 2017, due to sanctions, Sberbank sold its Ukrainian subsidiary, VS Bank (Ukrainian: ВіЕс Банк)[45] to Ukrainian businessman Serhiy Tihipko.[48]
Credit cards: both issuer and payments[edit]
As of May 2016, Sberbank dominated the card payments business in Russia with over 61% of the market. Sberbank’s competitors in the card business are VTB Bank, Alfa-Bank, Tinkoff Bank, and Gazprombank which combined only had a 29% of the card business market.[49]
2022 sanctions[edit]
On 24 February 2022, as a result of the 2022 Russian invasion of Ukraine, US president Joe Biden announced sanctions against additional Russian individuals and companies, including new restrictions on Sberbank’s operations,[50] after which Sberbank’s stock lost more than half of its value.[51]
On 25 February 2022 the banking licence of Sberbank in Ukraine was revoked.[52]
On 28 February 2022, Sberbank Europe was facing bankruptcy as a consequence of the sanctions. Deutsche Börse suspended trading of Sberbank stock.[53][54][55] Two days later, Sberbank Europe declared that it was leaving the European market.[56]
Visa and Mastercard suspended their activities in Russia at the beginning of March 2022.[57] Cards of these systems issued by Russian banks no longer worked outside of Russia, and all Visa cards issued outside of Russia no longer work within Russia.[57]
On 1 April 2022 Sberbank CIB (UK) Limited went into Administration.[58] The affairs of Sberbank CIB USA, Inc were also placed into wound down from April 2022.[59]
In April 2022, Apple and Google removed Sberbank mobile apps from their stores. The Android application can be downloaded from the bank’s website, but iPhone users did not have this option.[60] In August, the SBOL application appeared in the App Store. It does not formally belong to Sber, but it fully reproduces the functionality of the removed application.[61] A week later, this app was also removed from App Store.[62]
In July 2022 the EU imposed sanctions on Sberbank in relation to the 2022 Russian invasion of Ukraine.[63]
Sberbank Switzerland was sold in September 2022 to m3 Groupe Holding SA and will trade as TradeXBank AG in future.[64]
On 15 December 2022 Sberbank Europe AG banking licence lapsed and can no longer trade.[65] On 29 December 2022 Sberbank CIB (UK) Ltd and SIB (Cyprus) Limited were removed as member firms of the London Stock Exchange[66]
Sberbank will be closing its office in the UAE in 2023 as a result of sanctions pressure.[67]
Sanctioned by New Zealand.[68]
Rebranding 2020 and «ecosystem»[edit]
In 2020, Sberbank undertook a rebranding. In addition to changing the logo and legalizing the reduction “Sber”, the company announced the transformation of the bank into an “ecosystem”.
Sberbank decided to become «more than a bank» and began to develop various services, mainly digital: online cinema (Okko), music (SberSound), food delivery (SberMarket), cloud storage (SberDisk), taxi (Citymobil).[69]
Initially, the «ecosystem» was built in partnership with the large Internet holding Mail.ru Group, for which a joint venture O2O (online-to-offline) Holding was created with a capital of about 100 billion rubles. However, in the spring of 2021, the parties decided to end cooperation due to disagreements over management methods and corporate culture.[70]
Another component of the «ecosystem» is pharmacies. Having launched an online service, Sber Eapteka (e-drugstore), Sber soon decided to expand the business and open pharmacies in its own branches. It is assumed that purchases there will be more profitable due to targeted packaging of drugs, as well as the production of its own generics.[71]
In the summer of 2021, Sberbank announced the implementation of the Sabbatical practice. Employees are allowed to take unpaid leave of up to a year — with the retention of their jobs (although this requires the consent of the immediate supervisor). It is also allowed to work remotely for three months a year.[72]
Ownership[edit]
The majority shareholder of Sberbank is the Russian National Wealth Fund managed by the Government of Russia (until 2020 the Central Bank of the Russian Federation), owning 50%+1 voting share of Sberbank’s voting shares. The rest of the shares are dispersed among portfolio, private and other investors.[6][73]
Russia’s central bank cannot sell its stake without a change in Russia’s laws.[74][75]
Management[edit]
The president and chief executive officer is Herman Gref, confirmed by the board of directors on 16 October 2007.[76]
Sergei Gorkov joined Sberbank in November 2008 eventually becoming the head of the international operations and the senior vice chairman of the board from 10 October 2010, until 26 February 2016, when he left Sberbank to become the Chairman of Vnesheconombank (VEB).[77][78][79][80][81] He greatly expanded Sberbank from operations in only two foreign countries, Kazakhstan (2006)[82][83] and Ukraine (December 2007),[82][84] to over twenty countries including Belarus (2009),[82][85] Germany (2009),[82][86] China (2010),[82][87] India (September 2010),[82][88] Switzerland (31 December 2011),[82][89] Austria (acquisition of Volksbank International AG on 15 February 2012; changed name to Sberbank Europe AG on 1 November 2012, with locations in Austria, Bosnia and Herzegovina, Croatia, Czech Republic, Hungary, Slovakia, Slovenia, Serbia, Ukraine, and Germany),[82][90] Bosnia-Herzegovina (20 February 2013),[91] Hungary (31 December 2011; 1 November 2013, as Sberbank Hungary Ltd),[82][92] Croatia (February 2012),[82][93] Czech Republic (20 February 2013),[82][94] Slovenia (28 January 2013),[82] Serbia (24 December 2012),[82][95] Slovakia (15 February 2013),[82][96] and Turkey (acquisition of DenizBank in September 2012).[82][97][98][99] Following Gorkov’s departure, Svetlana Alekseyevna Sagaydak (Russian: Светлана Алексеевна Cагайдак) became the new Senior Vice Chairman of the Board.[78]
The chairman of the supervisory board of Sberbank (since April 2021) is Anton Siluanov, Minister of Finance of Russia.[100]
Formerly from 2003 to 2013 the head of RIA Novosti and from 2006 to 2016 its editor in chief, Svetlana Mironyuk is a vice-president and the head of marketing and communications since 1 February 2016.[101][102]
In February 2022, Sverbank announced foundation of its own e-commerce holding, headed by its former top-manager Lev Khasis but in a week on Feb 22,2022 he left Sberbank.[103]
Operations[edit]
As of 2015 the bank had about 16,500 offices with over 250,000 employees.[104] According to own estimates, the bank had over 137 million retail clients and over 1.1 million corporate clients in its 22 countries of presence.
As of August 2015 it accounted for 28.6% of aggregate banking assets, calling itself «the circulatory system of the Russian economy»,»key lender to the Russian economy and the biggest receiver of deposits».[104]
Within Russia, Sberbank is structured into several regional divisions (territorial banks):
| Baikal Bank |  Zabaykalsky Krai Irkutsk Oblast Buryatia Sakha Republic
|
| Volga-Vyatka Bank |  Nizhny Novgorod Oblast Vladimir Oblast Kirov Oblast Mordovia Mari El Chuvashia Tatarstan
|
| East Siberian Bank |  Krasnoyarsk Krai Tuva Khakassia
|
| Far Eastern Bank |  Khabarovsk Krai Primorsky Krai Amur Oblast Sakhalin Oblast Jewish Autonomous Oblast Magadan Oblast Kamchatka Krai Chukotka Autonomous Okrug
|
| West Siberian Bank |  Tyumen Oblast Omsk Oblast Khanty-Mansi Autonomous Okrug Yamalo-Nenets Autonomous Okrug
|
| West Urals Bank |  Perm Krai Komi Udmurtia
|
| Moscow Bank |  Moscow
|
| Volga Region Bank |  Samara Oblast Ulyanovsk Oblast Orenburg Oblast Saratov Oblast Volgograd Oblast Astrakhan Oblast Penza Oblast
|
| Northern Bank |  Yaroslavl Oblast Kostroma Oblast Ivanovo Oblast Vologda Oblast Arkhangelsk Oblast Nenets Autonomous Okrug
|
| North Western Bank |  Saint Petersburg Leningrad Oblast Murmansk Oblast Kaliningrad Oblast Pskov Oblast Novgorod Oblast Karelia
|
| North Caucasus Bank |  Stavropol Krai Ingushetia North Ossetia-Alania Kabardino-Balkaria Dagestan Karachay-Cherkessia Kalmykia Chechnya
|
| Siberian Bank |  Novosibirsk Oblast Tomsk Oblast Kemerovo Oblast Altai Krai Altai Republic
|
| Central Russian Bank |  Moscow Oblast Tver Oblast Kaluga Oblast Bryansk Oblast Smolensk Oblast Tula Oblast Ryazan Oblast
|
| Ural Bank |  Sverdlovsk Oblast Chelyabinsk Oblast Kurgan Oblast Bashkortostan
|
| Central Black Earth Bank |  Voronezh Oblast Oryol Oblast Lipetsk Oblast Kursk Oblast Belgorod Oblast Tambov Oblast
|
| South Western Bank |  Rostov Oblast Krasnodar Krai Adygea Crimea Sevastopol
|
International presence[edit]
 Belarus |
BPS Sberbank |
 Ukraine |
Sberbank[105] (closed 2022) |
 Kazakhstan |
Sberbank[106] |
 Austria |
Sberbank Europe (closed December 2022) |
 Germany |
Sberbank Europe (closed December 2022) |
 Switzerland |
Sberbank Switzerland (sold September 2022) |
 Czech Republic |
Sberbank Europe (closed December 2022) |
 China |
Sberbank International |
 India |
Sberbank International |
 Malaysia |
Sberbank International |
 United States
|
Sberbank CIB (wound down 2022) |
 United Kingdom
|
Sberbank CIB (in receivership 2022) |
 Cyprus
|
Sberbank CIB |
The 19 August 2021 Supreme Court of Ukraine ruling forbids the daughter of the Russian Sberbank in Ukraine to use the trademark «Sberbank» since it ruled that Oschadbank is the sole legal owner of the trademark «Sberbank» in Ukraine.[107]
In November 2021, aiming to focus on priority markets, Sberbank Europe AG sold associated banks in Bosnia and Herzegovina (Sberbank a.d. Banja LuKa and Sberbank BH d.d. Sarajevo), in Croatia (Sberbank d.d.), in Hungary (Sberbank Magyarorszag Zrt.), in Serbia (Sberbank Srbija a.d. Beograd) and in Slovenia (Sberbank banka d.d.) to Serbian MK Group for about 500 million Euros.[108]
[edit]
Sberbank sponsors sports and charity events in various regions of Russia,[109][110][111][112] as well as educational projects[113][114] including projects developing financial literacy.[115][116]
Controversies[edit]
Savings freezing[edit]
Sberbank is the successor of Soviet Saving Banks (as it name implies), whose assets belonged to the state.[117] During Russia’s transition to a market economy in the 1990s, in which these assets were sold, Sberbank provided no guarantee for citizens’ deposits.[118] This resulted in a landslide depreciation, which in turn led to severe discontent among the Russian population.[119] Since 1996, partial compensation for investors’ losses has been offered.[120] However, until 2003 this only applied to state-owned banks such as Sberbank, giving them an unfair advantage over fully private banks.[121]
The law of 1995 assumed that in 2003 the repayment of debts to the population would begin, taking into account the real value of the ruble at the current moment. However, for 20 years, the start of payments was regularly postponed. As of 2022, the full repayment of the debt would cost the state almost 200 trillion rubles. In the fall of 2022, the government introduced a bill on a new delay — until 2026.[122]
Low level of service in the early 2000s[edit]
In the early 2000s, Sberbank was repeatedly blamed for poor service.[123][124] In subsequent years, Sberbank introduced new services[125][126] and improved the quality of some of its existing ones. By the mid-2010s, the bank was reportedly among the market leaders with regards to quality of client services, such as services for retail depositors,[127] premium services[128] and several others.
Laundering stolen money accusations, Prevezon Holdings[edit]
Sergei Leonidovich Magnitsky accused numerous persons and entities of laundering stolen money in tax fraud in a Hermitage Capital Management case [ru] in Russia.[129] Owned by Denis Katsyv, Prevezon Holdings, represented by Natalia Vladimirovna Veselnitskaya and Louis Freeh, paid $6 million to resolve the claim without admitting any crime which subsequently led to all charges being dropped by the Justice Department in the summer of 2017.[129][130][131][a]
Pavlovgranite case[edit]
In United States court, Sergey P. Poymanov (Russian: Сергей Пойманов), a Voronezh-based businessman, sued Sberbank, several of its subsidiaries and executives, and a business rival for $750 million, claiming that a valuable granite gravel quarry he owned was illegally bankrupted and seized by the bank in a corporate raid in 2012. Sberbank says it took the quarry as collateral after Mr. Poymanov failed to repay a loan. Sberbank is retaining Marc Kasowitz for this court case.[129]
In January 2017 Herman Gref, a bank chief executive, has personally commented on Poymanov case, referring to the latter as a «fraudster» and accusing him of not paying loands and debts, and that Poymanov is charged with a felony. He said that Poymanov «extracted» a lot of money out of the company and that he was offered with a restructuring of his loans but allegedly refused.[135]
Poymanov was subsequently charged with a bunch of misdemeanors and arrested on May 24, 2017, by Russian police who then subjected him to harsh pretrial detention at a notoriously rough Moscow jail, Matrosskaya Tishina, which is the same jail where Magnitsky died.[129][136] He was charged with alleged embezzlement of company’s money amounting to almost 1 billion rubles (about $13 billion) as a part of Bankruptcy fraud.[137]
Ukrainian sanctions and vandalism of Sberbank property[edit]
In April 2014, several Ukrainian officials accused Sberbank of funding the 2014 pro-Russian unrest in Ukraine, including alleged terrorism. The bank denied any involvement in the financing of illegal activities on Ukrainian territory, which was later confirmed by an examination carried out by the National Bank of Ukraine.[138]
«It is another instance of aggressive nationalism of neo-Nazi dogma that is gathering momentum in Ukraine and obviously enjoys support of official authorities of the country,» the Russian foreign ministry stated.[139]
15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank [uk] (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbas.[45][46][47] Since then, Sberbank’s Ukrainian subsidiary, VS Bank (Ukrainian: ВіЕс Банк), has been put on sale.[45] But as of August 2017 it has been unsuccessfully trying to sell the asset after the National Bank of Ukraine blocked the sale of the bank due to a «failure to provide the necessary and sufficient documents to carry out checks on the investors in compliance with Ukrainian law.»[45] In 2017 Sberbank was reported to be waiting for approval from the National Bank of Ukraine to sell its Ukrainian subsidiaries. «Everything is prepared on our side. The question is whether we will be given a permission to sell or not by Ukrainian authorities,» Herman Gref who is the chairman of Sberbank said on the World Economic Forum held in Davos in January 2018. On 13 December 2017, Sberbank sold another subsidiary, VS Bank (Ukrainian: ВіЕс Банк), to a Ukrainian banker, former PrivatBank chairman Serhiy Tihipko.[48][139]
Troika Laundromat accusation in Lithuania[edit]
In March 2019, the Troika Laundromat was exposed as an international money laundering network involving the Troika Dialog which is an investment bank that has been merged with the Sberbank’s subsidiary Sberbank CIB.[140][141][142][143]
2019 data breach[edit]
In October 2019, it was revealed that analysts from cybersecurity firm DeviceLock had shared information about a large Sberbank data breach with the newspaper, the Kommersant.[144] The personal information of up to 60 million Sberbank credit cards had been offered for sale on the black market. It was the largest data breach to have taken place in Russian banking.[145]
See also[edit]
- Banking in Russia
- Sberkassa
- VTB Bank
Explanatory notes[edit]
- ^ Prevezon’s attorney Louis Freeh was Director of the FBI from September 1, 1993 until June 25, 2001.[130][131][132] In November 2017, Katsyv’s company Prevezon stated that it would pay the fine using money from AFI Europe, which is a subsidiary of Lev Leviev’s Africa Israel Investments.[131] In May 2018, Freeh purchased a $9.38 million home from Armen A. Manoogian in Palm Beach, Florida, near Mar-a-Lago where Freeh often attends events.[133][134]
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- ^ «Treasury Sanctions Individuals and Entities for Sanctions Evasion and Other Activities Related to Russia and Ukraine: Underscores U.S. Commitment To Work with the EU To Maintain The Efficacy of Existing Sanctions Until Russia Fully Complies With Its International Obligations With Respect To Ukraine». US Department of the Treasury. 22 December 2015. Retrieved 10 February 2018.
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- ^ Украина запретила деятельность «Золотой Короны» и других платежных систем из РФ: Украина расширила санкции в отношении РФ, ограничив, среди прочего, деятельность ряда российских платежных систем. Соответствующее решение закреплено указом президента Украины № 467/2016, текст которого и соответствующие санкционные списки размещены на сайте главы государства [Ukraine banned the activities of the «Golden Crown» and other payment systems from the Russian Federation: Ukraine has extended sanctions against the Russian Federation, limiting, among other things, the activities of a number of Russian payment systems. The corresponding decision is fixed by the decree of the President of Ukraine No. 467/2016, the text of which and corresponding sanctions lists are posted on the website of the head of state]. mail.ru (in Russian). Interfax.ru. 18 October 2016. Archived from the original on 29 October 2016. Retrieved 27 February 2018.
- ^ Пороше́нко, Петро́ Олексі́йович (17 October 2016). УКАЗ ПРЕЗИДЕНТА УКРАЇНИ №467/2016: Про рішення Ради національної безпеки і оборони України від 16 вересня 2016 року «Про застосування персональних спеціальних економічних та інших обмежувальних заходів (санкцій)» [DECREE OF THE PRESIDENT OF UKRAINE No. 467/2016: On the decision of the National Security and Defense Council of Ukraine dated 16 September 2016 «On the application of personal special economic and other restrictive measures (sanctions)»]. President of Ukraine website (in Ukrainian). Retrieved 27 February 2018.
- ^ Пороше́нко, Петро́ Олексі́йович (17 October 2016). Додаток 4 до рішення Ради національної безпеки і оборони України від 16 вересня 2016 року «Про застосування персональних спеціальних економічних та інших обмежувальних заходів (санкцій)» ЮРИДИЧНІ ОСОБИ, до яких застосовуються обмежувальні заходи (санкції) [Annex 4 to the decision of the National Security and Defense Council of Ukraine from 16 September 2016 «On the Application of Personal special economic and other restrictive measures (sanctions)»: ENTITIES, to which restrictive measures (sanctions) apply] (PDF) (in Ukrainian). pp. 63–4 (#155 Sberbank Russia), 69–70 (#167 Sberbank Leasing). Retrieved 27 February 2018.
- ^ a b c d e Ukraine blocks sale of subsidiaries of Russia’s Sberbank, VEB – media, UNIAN (29 July 2017)
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- ^ Светлана Миронюк назначена старшим вице-президентом Сбербанка [Svetlana Mironyuk appointed senior vice president of Sberbank] (in Russian). Vedomosti. 1 February 2016. Retrieved 4 May 2018.
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- ^ (in Ukrainian) The Supreme Court ordered the daughter of Sberbank to change its name — Oschadbank won the case, Ukrayinska Pravda (20 August 2021)
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- ^ § 3. Правовое регулирование сберегательного дела. Виды вкладов. Грачева Е. Ю., Соколова Э. Д. Финансовое право: Учебное пособие. — 2-е изд., испр. и доп. — М.: Юриспруденция, 2000. — 304 с. (in Russian). ISBN 5-8401-0042-0.
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External links[edit]
- Official website
- Sberbank BIC Codes
| Регистрационный номер | Наименование* | Дата регистрации | Место нахождения (фактический адрес) |
|---|---|---|---|
| 7 | Адыгейское ОСБ № 8620 | 20.05.1997 | 385011, Республика Адыгея, г. Майкоп, ул. Димитрова, 4, корпус 2 |
| 16 | Алтайское отделение № 8644 | 20.05.1997 | 656038, Алтайский край, г. Барнаул, проспект Комсомольский, 106-А |
| 70 | Благовещенское отделение №8636 | 20.05.1997 | 675000, Амурская область, г. Благовещенск, ул. Зейская 240 |
| 88 | Архангельское отделение № 8637 | 20.05.1997 | 163000, г.Архангельск, просп. Ломоносова, 137 |
| 112 | Астраханское отделение N 8625 | 20.05.1997 | 414000, г. Астрахань, Кировский район, ул. Кирова, 41 |
| 130 | Башкирское отделение № 8598 | 20.05.1997 | 450059, Республика Башкортостан, г.Уфа, ул.Рихарда Зорге, 5. |
| 188 | Белгородское отделение №8592 | 20.05.1997 | 308000, Белгородская область, г.Белгород, Гражданский проспект, 52 |
| 207 | Брянское отделение №8605 | 20.05.1997 | 241050, г. Брянск, пр. Ленина, 10-б |
| 230 | Бурятское отделение № 8601 | 20.05.1997 | 670031, Республика Бурятия, г. Улан-Удэ, ул. Терешковой, 3Б |
| 261 | Владимирское отделение №8611 | 20.05.1997 | 600015, г.Владимир, проспект Ленина, 36 |
| 264 | Волгоградское отделение N 8621 | 20.05.1997 | 400005, г.ВОЛГОГРАД, ул.Коммунистическая, 40 |
| 297 | Вологодское отделение № 8638 | 20.05.1997 | 160000, г.Вологда, ул. Предтеченская, 33 |
| 314 | Центрально-Черноземный банк | 20.05.1997 | 394018, Воронежская область, г. Воронеж, ул. 9 Января, 28 |
| 366 | Уральский банк | 20.05.1997 | 620026, г. Екатеринбург, ул. Куйбышева, 67 |
| 373 | Свердловское отделение № 7003 | 20.05.1997 | 620014, Свердловская область, г. Екатеринбург, ул. Бориса Ельцина, д. 3/2 |
| 412 | Ивановское отделение №8639 | 20.05.1997 | 153009 г.Иваново ул.Лежневская, 159 |
| 422 | Байкальский банк | 20.05.1997 | 664011, г. Иркутск, ул. Нижняя Набережная, 10 |
| 447 | Кабардино-Балкарское отделение №8631 | 20.05.1997 | 360051 Кабардино-Балкарская Республика, г. Нальчик. ул. Пушкина/Кешокова, 33-а/72 |
| 463 | Калининградское отделение № 8626 | 20.05.1997 | 236006, г.Калининград, Московский проспект, 24 |
| 488 | Калужское отделение №8608 | 20.05.1997 | 248001, г. Калуга, ул. Кирова, 21а |
| 512 | Карельское отделение № 8628 | 20.05.1997 | 185035, Республика Карелия, г.Петрозаводск, ул. Антикайнена, 2 |
| 528 | Кемеровское отделение № 8615 | 20.05.1997 | 650066, г.Кемерово, пр.Октябрьский,53 |
| 558 | Кировское отделение № 8612 | 20.05.1997 | 610000, Кировская область, г. Киров, ул. Дерендяева, д. 25 |
| 596 | Коми отделение № 8617 | 20.05.1997 | 167023, Республика Коми, г.Сыктывкар, ул. Морозова, д. 89 |
| 623 | Костромское отделение №8640 | 20.07.1994 | 156005, г. Кострома, ул. Никитская, 33 |
| 638 | Краснодарское отделение №8619 | 20.05.1997 | 350000, Краснодарский край, г. Краснодар, Центральный округ, ул. Красноармейская, 34 |
| 662 | Центральное отделение N 1806 | 20.05.1997 | 354000, Краснодарский край, г. Сочи, Центральный район, ул. Войкова, 2 |
| 664 | Красноярское отделение №8646 | 20.05.1997 | 660028, Красноярский край, г.Красноярск, пр.Свободный, 46 |
| 717 | Курганское отделение № 8599 | 20.05.1997 | 640022, Курганская область, г.Курган, ул.Гоголя,98 |
| 739 | Курское отделение №8596 | 20.05.1997 | 305004, г.Курск, ул.Ленина, 67 |
| 782 | Липецкое отделение №8593 | 20.05.1997 | 398910, г. Липецк, ул. Первомайская, д. 2 |
| 787 | Северо-Восточное отделение № 8645 | 20.05.1997 | 685000, г.Магадан, ул.Пушкина ,11/11 |
| 796 | отделение Марий Эл № 8614 | 20.05.1997 | 424000, Республика Марий Эл, г.Йошкар-Ола, ул.Карла Маркса, 109 б |
| 853 | Мордовское отделение N8589 | 20.05.1997 | 430005, Республика Мордовия, г. Саранск, улица Большевистская, 30 |
| 880 | Среднерусский банк | 20.05.1997 | 109544, г.Москва, ул. Большая Андроньевская,д.8 |
| 937 | Волго-Вятский банк | 20.05.1997 | 603005, г.Нижний Новгород, ул.Октябрьская,35 |
| 960 | Новгородское отделение № 8629 | 20.05.1997 | 173025, Новгородская область, г. Великий Новгород, пр-кт Мира, д. 32, к. 1 |
| 976 | Новосибирское отделение N 8047 | 20.05.1997 | 630007, г. Новосибирск, ул. Серебренниковская, д.20 |
| 982 | Сибирский банк | 20.05.1997 | 630007, г. Новосибирск, Центральный район, ул. Серебренниковская, 20 |
| 1009 | Омское отделение №8634 | 20.05.1997 | 644024, г.Омск, ул. Маршала Жукова, 4/1 |
| 1042 | Оренбургское отделение № 8623 | 20.05.1997 | 460961, Оренбургская область, г. Оренбург, ул. Володарского, двлд. 16 |
| 1067 | Орловское отделение №8595 | 20.05.1997 | 302028, г. Орёл, ул. Брестская, 8 |
| 1100 | Пензенское отделение № 8624 | 20.05.1997 | 440000, г. Пенза, ул. Суворова, 81 |
| 1115 | Пермское отделение № 6984 | 20.05.1997 | 614990, Пермский край, г. Пермь, Свердловский район, ул. Куйбышева, д. 66/1 |
| 1160 | Приморское отделение № 8635 | 20.05.1997 | 690091, Приморский край, г. Владивосток, ул. Фонтанная, 18 |
| 1184 | ПСКОВСКОЕ ОТДЕЛЕНИЕ № 8630 | 20.05.1997 | 180000, г. Псков, пр-т Октябрьский, 23/25 |
| 1190 | Юго-Западный банк | 20.05.1997 | 344068, г.Ростов-на-Дону, Ворошиловский р-н, ул. Евдокимова, 37 |
| 1246 | Рязанское отделение №8606 | 20.05.1997 | 390000, г. Рязань, ул. Пожалостина, д. 19 |
| 1258 | Поволжский банк | 20.05.1997 | 443011, г.Самара, ул.Ново-Садовая, 305 |
| 1272 | Самарское отделение № 6991 | 20.05.1997 | 443080, г.Самара, Октябрьский район, Московское шоссе, д.15 |
| 1309 | Северо-Западный банк | 20.05.1997 | 191124, Санкт-Петербург, ул.Красного Текстильщика, 2 |
| 1344 | Саратовское отделение № 8622 | 20.05.1997 | 410012, Саратовская область, г. Саратов, ул. им. Вавилова Н.И., д. 1/7 |
| 1371 | Северо-Осетинское отделение №8632 | 20.05.1997 | 362003, Республика Северная Осетия-Алания, г.Владикавказ, ул. Коцоева, 68 |
| 1389 | Смоленское отделение №8609 | 20.05.1997 | 214030, Смоленская область, г.Смоленск, ул. Нормандии-Неман, 23 |
| 1426 | Ставропольское отделение № 5230 | 20.05.1997 | 355035, Ставропольский край, г. Ставрополь, ул. Ленина, 361 |
| 1449 | Тамбовское отделение №8594 | 20.05.1997 | 392036, г. Тамбов, ул. К. Маркса, 130 |
| 1466 | отделение «Банк Татарстан» №8610 | 20.05.1997 | 420012, г. Казань, ул. Бутлерова, д. 44 |
| 1527 | Тверское отделение №8607 | 20.05.1997 | 170100, г.Тверь, ул. Трехсвятская, 8 |
| 1535 | Томское отделение № 8616 | 20.05.1997 | 634061, г. Томск, проспект Фрунзе, 90/1 |
| 1542 | Кызылское отделение № 8591 | 20.05.1997 | 667000, Республика Тыва, г. Кызыл, ул. Кочетова, 34а |
| 1558 | Тульское отделение №8604 | 20.05.1997 | 300000, г. Тула, площадь Крестовоздвиженская, д. 1 |
| 1594 | Югорское отделение №5940 | 20.05.1997 | 628400, Тюменская обл., Ханты-Мансийский АО- Югра, г. Сургут, ул. Дзержинского, 5 |
| 1597 | Западно-Сибирское отделение №8647 | 20.05.1997 | 625023, Тюменская область, г. Тюмень, ул. Рижская, 61. |
| 1625 | Удмуртское отделение № 8618 | 20.05.1997 | 426057, Удмуртская Республика, г. Ижевск, ул.Красная, 105 |
| 1639 | Ульяновское отделение № 8588 | 20.05.1997 | 432017,г. Ульяновск, ул. Гончарова, 40А |
| 1643 | Биробиджанское ОСБ №4157 | 20.05.1997 | 679016, Еврейская автономная область, г. Биробиджан, ул.Шолом-Алейхема, 16 |
| 1654 | Дальневосточный банк | 20.05.1997 | 680020, Хабаровский край, г.Хабаровск,ул.Гамарника, 12 |
| 1662 | Абаканское отделение № 8602 | 20.05.1997 | 655017, Республика Хакасия, г.Абакан, ул.Пушкина, д.165, строение 1, помещение 2Н |
| 1700 | Челябинское отделение № 8597 | 20.05.1997 | 454048, г.Челябинск, ул.Энтузиастов, 9а |
| 1727 | Читинское отделение № 8600 | 20.05.1997 | 672010 , Забайкальский край, г. Чита, ул. имени Полины Осипенко, 40 |
| 1747 | Чувашское отделение № 8613 | 20.05.1997 | 428032, Чувашская Республика, г.Чебоксары, Московский пр.,3 |
| 1753 | Якутское отделение №8603 | 20.05.1997 | 677980, Республика Саха (Якутия ), г. Якутск , ул. Октябрьская, 17 |
| 1802 | Ингушское ОСБ № 8633 | 20.05.1997 | 366720, Республика Ингушетия, г.Назрань, ул.Московская 27 |
| 1806 | Южно-Сахалинское отделение № 8567 | 27.05.1997 | 693020, Сахалинская область, г. Южно-Сахалинск, ул. Амурская, 61 |
| 1810 | Горно-Алтайское отделение №8558 | 08.08.1997 | 649000 , Республика Алтай , г.Горно-Алтайск , ул.В.И.Чаптынова,2 |
| 1897 | Камчатское отделение N 8556 | 08.08.1997 | 683001, Камчатский край, г. Петропавловск-Камчатский,ул. Набережная, 30 |
| 1898 | Ростовское отделение № 5221 | 08.08.1997 | 344068, Ростовская обл., г. Ростов-на-Дону, Ворошиловский район, ул. Евдокимова, дом № 37 |
| 1924 | Ямало-Ненецкое отделение №8369 | 08.08.1997 | 629305, Ямало-Ненецкий автономный округ, г. Новый Уренгой, ул. Таежная, д. 30А, пом. 3-22, 24-29 |
| 1932 | Ярославское отделение №17 | 08.08.1997 | 150003, Ярославская область, г. Ярославль, ул. Советская, д. 34 |
| 1939 | Мурманское отделение №8627 | 22.10.1998 | 183038, г. Мурманск, пр. Ленина, д. 37 |
| 1943 | Калмыцкое отделение № 8579 | 16.04.1999 | 358000, Республика Калмыкия, г. Элиста, ул. В.И. Ленина, 305 |
| 1945 | Иркутское отделение № 8586 | 26.08.1999 | 664011, г. Иркутск, ул. Пискунова, 122 |
| 1946 | Карачаево-Черкесское отделение № 8585 | 23.12.1999 | 369009, Карачаево-Черкесская Республика, г. Черкесск, ул. Демиденко, 157 Г |
| 1947 | Дагестанское отделение № 8590 | 02.07.2001 | 367000, Республика Дагестан , г. Махачкала, ул. Даниялова, 1 «в» |
| 1948 | Московский банк | 17.10.2001 | 109544, Москва, ул. Большая Андроньевская, д. 6 |
| 1950 | Чеченское отделение № 8643 | 02.04.2010 | 364024, Чеченская Республика, г. Грозный, Ленинский район, ул. А. Митаева |
| 1951 | в Республике Индии | 28.09.2010 | Республика Индия, 110001, г. Нью-Дели, Баракхамба Роуд 25, Бирла Тауэр, верхний цокольный этаж и четвертый этаж |
* Не включает в себя слово «Филиал» и наименование головной кредитной организации.
Реквизиты ПАО Сбербанка
| Полное фирменное наименование: | Публичное акционерное общество «Сбербанк России» |
| Сокращенное фирменное наименование: | ПАО Сбербанк |
| Полное фирменное наименование на английском языке: | Sberbank of Russia |
| Сокращенное фирменное наименование на английском языке: | Sberbank |
| Номер лицензии ЦБ РФ: | № 1481 |
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Москва, 117997, ул. Вавилова, д. 19 |
| Телеграфный адрес: | г. Москва, В-312, Россбербанк |
| Телефакс: | + 7 (495) 957-57-31, + 7 (495) 747-37-31 |
| Телетайп: | 114569 SBRF RU |
| Телекс: | 414733 SBRF RU |
| Корр.счет: | 30101810400000000225 |
| БИК: | 044525225 |
| КПП: | 773601001 |
| ИНН: | 7707083893 |
| ОГРН: | 1027700132195 |
| SWIFT: | SABRRUMM |
Реквизиты Сбербанка Московский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 109544, г. Москва, ул. Большая Андроньевская, д.6 |
| Корсчет: | 30101810400000000225 в Главном управлении Центрального банка Российской Федерации по Центральному федеральному округу г. Москва (ГУ Банка России по ЦФО) |
| БИК: | 044525225 |
| ИНН: | 7707083893 |
| КПП: | 773643001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Северо-Западный банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 191124, Санкт-Петербург, ул. Красного Текстильщика, д.2 |
| Корсчет: | 30101810500000000653 в ГРКЦ ГУ Банка России по г. Санкт-Петербургу |
| БИК: | 044030653 |
| ИНН: | 7707083893 |
| КПП: | 784243001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Юго-Западный банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 344068 г. Ростов-на-Дону, ул. Евдокимова, 37, Юго-Западный банк ПАО Сбербанк |
| Корсчет: | 30101810600000000602 в Отделении по Ростовской области Южное ГУ Банка России |
| БИК: | 046015602 |
| ИНН: | 7707083893 |
| КПП: | 616143001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Сибирский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Россия, 630007, Новосибирск, ул. Серебренниковская, 20 |
| Корсчет: | № 30101810500000000641 в ГРКЦ при ГУ Банка России |
| БИК: | 045004641 |
| ИНН: | 7707083893 |
| КПП: | 540602001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Дальневосточный банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Россия, г. Хабаровск, 680020, ул. Гамарника, 12 |
| Корсчет: | 30101810600000000608 в отделении по Хабаровскому краю Дальневосточного главного управления Центрального банка Российской Федерации |
| БИК: | 040813608 |
| ИНН: | 7707083893 |
| КПП: | 272143001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Поволжский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 443011, г. Самара, ул. Ново-Садовая, 305, Поволжский банк |
| Корсчет: | 30101810200000000607 |
| БИК: | 043601607 |
| ИНН: | 7707083893 |
| КПП: | 631602001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Среднерусский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 109544, Москва, ул. Б. Андроньевская, д. 8 |
| Корсчет: | 30101810400000000225 в ОПЕРУ Московского ГТУ Банка России |
| БИК: | 044525225 |
| ИНН: | 7707083893 |
| КПП: | 775002002 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Байкальский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 664011, г. Иркутск, ул. Нижняя Набережная, д. 10. |
| Корсчет: | 30101810900000000607 в отделении по Иркутской области Сибирского главного Управления Центрального банка Российской Федерации |
| БИК: | 042520607 |
| ИНН: | 7707083893 |
| КПП: | 380843001 |
| SWIFT-код: | SABRRU66 |
Реквизиты Сбербанка Волго-Вятский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Нижний Новгород, 603005, ул. Октябрьская, д. 35 |
| Корсчет: | 30101810900000000603 в ГРКЦ ГУ Банка России по Нижегородской обл. |
| БИК: | 042202603 |
| ИНН: | 7707083893 |
| КПП: | 526002001 |
| SWIFT-код: | SABRRUMMNA1 |
Реквизиты Сбербанка Центрально-черноземный банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Россия, Воронеж, 394006, ул. 9 Января, 28 |
| Корсчет: | 30101810600000000681 |
| БИК: | 042007681 |
| ИНН: | 7707083893 |
| КПП: | 526002001 |
| SWIFT-код: | SABRRUMMVH1 |
Реквизиты Сбербанка Уральский банк
| Юридический адрес: | 620014, г. Екатеринбург, ул. Малышева, д. 31-в |
| Почтовый адрес: | 620026, г. Екатеринбург, ул. Куйбышева, д. 67 |
| Корсчет: | 30101810500000000674 в ГРКЦ ГУ Банка России по Свердловской области |
| БИК: | 046577674 |
| ИНН: | 7707083893 |
| КПП: | 667102008 |
| SWIFT-код: | SABRRUMM |
Перевод «сбербанк» на английский
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Сбербанк
м.р.
существительное
Склонение
Sberbank
Банковские рублевые переводы – Альфабанк, Промсвязьбанк, ВТБ24, Сбербанк
Bank transfers in rubles: Alfabank, Promsvyaz’bank, VTB24, Sberbank
Словосочетания (6)
- региональный сбербанк — regional savings bank
- Сбербанк — АСТ — Sberbank-AST
- Сбербанк — АСТ — Sberbank-AST
- Сбербанк Инвестиции — Sberbank Investments
- Сбербанк Лизинг — Sberbank Leasing
- Сбербанк России — Sberbank of Russia
Контексты
Банковские рублевые переводы – Альфабанк, Промсвязьбанк, ВТБ24, Сбербанк
Bank transfers in rubles: Alfabank, Promsvyaz’bank, VTB24, Sberbank
Банковские переводы – Альфа-Банк, Промсвязьбанк, ВТБ24, Сбербанк
Bank transfers can be effected using Alfa-Bank, Promsvyaz’bank, VTB24, and Sberbank
В лидерах падения Сбербанк, потерявший более 6%.
The top decliners included Sberbank, which shed over 6%.
Сбербанк (-4,1%) и ВТБ (-4,8%).
The top decliners included Sberbank (-4.1%) and VTB (-4.8%).
Сбербанк получил 50 процентов плюс одна акция Дикой орхидеи.
Sberbank received a holding of 50 percent plus one share in Wild Orchid.
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Переводчик: Hey! Birthday boy! Best wishes from us lot! (согласовать с кадрами и переправить в рос.офис для дальнейшей пересылки Главному)
Кадры: сомнения касательно стилистики и субординации (переправить юрконсульту, копию — им, нам, переводчику)
Юрконсульт: именины не всегда означает день рождения — уточнить. также уточнить — действительно ли это юбилей (50, 60, 70, 75, 80, 90, 100 и т.д. лет со дня наступления события)? — возможно, следует заменить на «годовщина» и запросить мнение в аутсорсе? копию — нам, им, переводчику и кадрам.
Аутсорс: Спасибо за ваше обращение, мы проведем исследование и задействуем наших лучших экспертов по страноведению, лингвистике и корпоративной этике, копию вышлем всем желающим и опубликуем на нашем сайте.
Маша455: всем привет!! как по-английски правильно «с днем рождения, дорогой шеф! С наилучшими пожеланиями — коллектив?» контекста нет, спасибо!
Мультитран: Happy birthday dear chef! With best wishes, the team imho. ))
Именинник: кто все эти люди и кому они пишут? мой ДР будет лишь через два месяца! (кадрам проверить и уточнить, копию и перевод данного сообщения — в российский офис, мне, переводчикам, юрконсульту и партнерам в регионах)
[ad nauseam]
PJSC Sberbank
|
|
|
Sber-City in Moscow, Sberbank’s headquarters[1] |
|
|
Native name |
Сбербанк |
|---|---|
| Formerly | Savings bank of Russia (RSFSR) (1842–1991) |
| Type | Public (ПАО) |
|
Traded as |
MCX: SBER |
| Industry | Banking, financial services |
| Founded | 22 March 1991; 31 years ago (through the reorganization of the Savings bank of the RSFSR) |
| Headquarters | Moscow, Russia 55°41′55.69″N 37°34′45.54″E / 55.6988028°N 37.5793167°ECoordinates: 55°41′55.69″N 37°34′45.54″E / 55.6988028°N 37.5793167°E |
|
Key people |
Anton Germanovich Siluanov (Chairman-Supervisory Board) Herman Gref (CEO, Chief Executive Officer & Member-Supervisory Board) [2] |
| Products | Consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, savings, securities, asset management, wealth management, credit cards |
| Revenue | $40 billion[3] (2017) |
|
Operating income |
$23.6 billion[4] (2020) |
|
Net income |
$16.9 billion[5] (2021) |
| Total assets | $559 billion[5] (2021) |
| Total equity | $76.6 billion[5] (2021) |
| Owner | National Wealth Fund, Government of Russia (50%+1 share)[6] |
|
Number of employees |
281,000 (2019)[7] |
| Subsidiaries | Sberbank CIB SberTech Subsidiaries in some European and post-Soviet countries |
| Rating | Ba2 (Moody’s), BBB- (Fitch) (2017)[8] |
| Website | sberbank.com sberbank.ru |
PJSC Sberbank (Russian: Сбербанк, initially a contraction of Russian: сберегательный банк, romanized: sberegatelnyy bank, lit. ‘savings bank’) is a Russian majority state-owned banking and financial services company headquartered in Moscow. It was called Sberbank of Russia until 2015 (currently: Sber). Sberbank has operations in several European nations, primarily post-Soviet countries.
By 2022, the bank accounted for about a third of all bank assets in Russia.[9] The bank’s rise since 1990s is in part due to its close connections to the Russian government.[9] As of 2014 it was the largest bank in Russia and Eastern Europe, and the third largest in Europe, ranked 60th in the world and first in central and Eastern Europe in The Banker‘s Top 1000 World Banks ranking.[10] In the world ranking of public companies Forbes «Global 2000» Sberbank takes 51st place.[11]
History[edit]
Russian coin commemorating the establishment of the first savings banks in the Russian Empire in 1841.
Early history[edit]
Sberbank’s history goes back to Cancrin’s financial reform of 1841,[12] when a network of the first state-owned savings banks was created in Russian Empire. By the end of the 19th century, the network reached almost 4 thousand outlets with over 2 million depositors.[13]
Since 1905, savings bank outlets became authorised to sell insurance. After 1910, savings banks started subsidising credit cooperation institutions and extending loans to small lenders. In 1915, savings bank outlets started accepting government securities for depositing.[14]
Soviet savings banks system[edit]
After the October Revolution of 1917, the state savings banks system continued its activity and growth under the management of the Finance Ministry of the USSR as the State Labour Savings Banks System. From 1926, the saving bank outlets were used to pay wages to blue- and white-collar workers. The savings banks were used to distribute state lottery tickets and for the placement of state bonds with the population. The savings banks introduced wider services such as money transfers.[15]
By late 1980s, the Soviet savings bank system had almost 80 thousand branches. As part of Perestroika reforms, in 1987 the savings bank outlets are reorganised into the Savings Bank of the USSR. Within the Savings bank of the USSR,[16] separate savings banks were created in the Soviet Republics. Following the dissolution of the USSR, the former republican savings banks became state savings banks of the newly independent post-Soviet states.
In 1991, the Savings bank of the RSFSR has been reorganised into the Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia).
Sberbank of Russia[edit]
In post-Soviet Russia, Sberbank is the largest universal bank despite growing competition from private and other state-owned commercial banks. The bank has gradually expanded its international presence.[17]
Since 2007, Sberbank is led by former economy minister Herman Gref who is a very close friend of Vladimir Putin.[18]
Volksbank International acquisition, 2011[edit]
In 2011, Sberbank acquired Volksbank International AG from its shareholders Österreichische Volksbanken AG, BPCE, DZ Bank and WGZ Bank. The deal included all Volksbank assets — banks in Slovakia, Czech Republic, Hungary, Slovenia, Croatia, Ukraine, Serbia and Bosnia and Herzegovina, except for Volksbank Romania. The agreed price was €585 to €645 million, depending on Volksbank business performance in 2011. Volksbank’s total assets excluding Romania was €9.4 billion in June 2011.[citation needed] On 16 December 2013, Volksbank (Ukraine), which was a wholly owned subsidiary of Sberbank, changed its name to VS Bank [uk] (Ukrainian: ВіЕс Банк).[19][20]
Denizbank acquisition, 2012[edit]
In June 2012 Sberbank bought the Turkish DenizBank for Turkish lira 6,469 billion (about EUR 2,821 billion or US$3.504 billion) from the lender Dexia, which in 2011 was «partly nationalized by the governments of France, Belgium and Luxembourg».[21] The deal included DenizBank subsidiaries in Turkey, Austria and Russia.[22]
US, EU, Switzerland, and Ukraine sanctions: 2014-2017[edit]
After the annexation of the Crimean Peninsula by Russia in 2014, the Obama administration imposed targeted sanctions on 12 September 2014, through the US Department of Treasury’s Office of Foreign Assets Control (OFAC) by adding Sberbank and other entities to the Sectoral Sanctions Identifications (SSI) List.[23][24][25][26][27][28][29][30][31] This was done in concert with 31 July 2014 addition of Sberbank to the European Union sanctions list.[32][33] Sanctions consist of access restriction to the EU and US capital markets.[34][35][36] After announcement of the sanctions, and by the end of July, Sberbank’s market value had dropped the most market value among the world’s major lenders plus investors moved $22 billion from Sberbank’s market capitalization.[37] Still, during the following year Sberbank’s share price grew back 89%.[38] Sberbank together with other Russian banks filed claims with the highest EU court to lift the punitive economic measures.[citation needed]
On 27 August 2014, Switzerland imposed sanctions on Sberbank and other Russian financial institutions.[39]
On 22 December 2015, the United States imposed additional sanctions on Sberbank and its subsidiaries.[40][41][25][26][27][31]
On 17 October 2016, Ukraine imposed sanctions against Sberbank Russia, Sberbank Leasing, and their payment systems Kolibri (Hummingbird), formerly Blitz (Ukrainian: «Колибри» стара назва – «Блиц»).[42][43][44]
On 15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbas.[45][46][47]
2017 sale of VS Bank to Tihipko[edit]
In December 2017, due to sanctions, Sberbank sold its Ukrainian subsidiary, VS Bank (Ukrainian: ВіЕс Банк)[45] to Ukrainian businessman Serhiy Tihipko.[48]
Credit cards: both issuer and payments[edit]
As of May 2016, Sberbank dominated the card payments business in Russia with over 61% of the market. Sberbank’s competitors in the card business are VTB Bank, Alfa-Bank, Tinkoff Bank, and Gazprombank which combined only had a 29% of the card business market.[49]
2022 sanctions[edit]
On 24 February 2022, as a result of the 2022 Russian invasion of Ukraine, US president Joe Biden announced sanctions against additional Russian individuals and companies, including new restrictions on Sberbank’s operations,[50] after which Sberbank’s stock lost more than half of its value.[51]
On 25 February 2022 the banking licence of Sberbank in Ukraine was revoked.[52]
On 28 February 2022, Sberbank Europe was facing bankruptcy as a consequence of the sanctions. Deutsche Börse suspended trading of Sberbank stock.[53][54][55] Two days later, Sberbank Europe declared that it was leaving the European market.[56]
Visa and Mastercard suspended their activities in Russia at the beginning of March 2022.[57] Cards of these systems issued by Russian banks no longer worked outside of Russia, and all Visa cards issued outside of Russia no longer work within Russia.[57]
On 1 April 2022 Sberbank CIB (UK) Limited went into Administration.[58] The affairs of Sberbank CIB USA, Inc were also placed into wound down from April 2022.[59]
In April 2022, Apple and Google removed Sberbank mobile apps from their stores. The Android application can be downloaded from the bank’s website, but iPhone users did not have this option.[60] In August, the SBOL application appeared in the App Store. It does not formally belong to Sber, but it fully reproduces the functionality of the removed application.[61] A week later, this app was also removed from App Store.[62]
Sberbank Switzerland was sold in September 2022 to m3 Groupe Holding SA and will trade as TradeXBank AG in future.[63]
On 15 December 2022 Sberbank Europe AG banking licence lapsed and can no longer trade.[64] On 29 December 2022 Sberbank CIB (UK) Ltd and SIB (Cyprus) Limited were removed as member firms of the London Stock Exchange[65]
Sberbank will be closing its office in the UAE in 2023 as a result of sanctions pressure.[66]
Rebranding 2020 and «ecosystem»[edit]
In 2020, Sberbank undertook a rebranding. In addition to changing the logo and legalizing the reduction “Sber”, the company announced the transformation of the bank into an “ecosystem”.
Sberbank decided to become «more than a bank» and began to develop various services, mainly digital: online cinema (Okko), music (SberSound), food delivery (SberMarket), cloud storage (SberDisk), taxi (Citymobil).[67]
Initially, the «ecosystem» was built in partnership with the large Internet holding Mail.ru Group, for which a joint venture O2O (online-to-offline) Holding was created with a capital of about 100 billion rubles. However, in the spring of 2021, the parties decided to end cooperation due to disagreements over management methods and corporate culture.[68]
Another component of the «ecosystem» is pharmacies. Having launched an online service, Sber Eapteka (e-drugstore), Sber soon decided to expand the business and open pharmacies in its own branches. It is assumed that purchases there will be more profitable due to targeted packaging of drugs, as well as the production of its own generics.[69]
In the summer of 2021, Sberbank announced the implementation of the Sabbatical practice. Employees are allowed to take unpaid leave of up to a year — with the retention of their jobs (although this requires the consent of the immediate supervisor). It is also allowed to work remotely for three months a year.[70]
Ownership[edit]
The majority shareholder of Sberbank is the Russian National Wealth Fund managed by the Government of Russia (until 2020 the Central Bank of the Russian Federation), owning 50%+1 voting share of Sberbank’s voting shares. The rest of the shares are dispersed among portfolio, private and other investors.[6][71]
Russia’s central bank cannot sell its stake without a change in Russia’s laws.[72][73]
Management[edit]
The president and chief executive officer is Herman Gref, confirmed by the board of directors on 16 October 2007.[74]
Sergei Gorkov joined Sberbank in November 2008 eventually becoming the head of the international operations and the senior vice chairman of the board from 10 October 2010, until 26 February 2016, when he left Sberbank to become the Chairman of Vnesheconombank (VEB).[75][76][77][78][79] He greatly expanded Sberbank from operations in only two foreign countries, Kazakhstan (2006)[80][81] and Ukraine (December 2007),[80][82] to over twenty countries including Belarus (2009),[80][83] Germany (2009),[80][84] China (2010),[80][85] India (September 2010),[80][86] Switzerland (31 December 2011),[80][87] Austria (acquisition of Volksbank International AG on 15 February 2012; changed name to Sberbank Europe AG on 1 November 2012, with locations in Austria, Bosnia and Herzegovina, Croatia, Czech Republic, Hungary, Slovakia, Slovenia, Serbia, Ukraine, and Germany),[80][88] Bosnia-Herzegovina (20 February 2013),[89] Hungary (31 December 2011; 1 November 2013, as Sberbank Hungary Ltd),[80][90] Croatia (February 2012),[80][91] Czech Republic (20 February 2013),[80][92] Slovenia (28 January 2013),[80] Serbia (24 December 2012),[80][93] Slovakia (15 February 2013),[80][94] and Turkey (acquisition of DenizBank in September 2012).[80][95][96][97] Following Gorkov’s departure, Svetlana Alekseyevna Sagaydak (Russian: Светлана Алексеевна Cагайдак) became the new Senior Vice Chairman of the Board.[76]
The chairman of the supervisory board of Sberbank (since April 2021) is Anton Siluanov, Minister of Finance of Russia.[98]
Formerly from 2003 to 2013 the head of RIA Novosti and from 2006 to 2016 its editor in chief, Svetlana Mironyuk is a vice-president and the head of marketing and communications since 1 February 2016.[99][100]
In February 2022, Sverbank announced foundation of its own e-commerce holding, headed by its former top-manager Lev Khasis but in a week on Feb 22,2022 he left Sberbank.[101]
Operations[edit]
As of 2015 the bank had about 16,500 offices with over 250,000 employees.[102] According to own estimates, the bank had over 137 million retail clients and over 1.1 million corporate clients in its 22 countries of presence.
As of August 2015 it accounted for 28.6% of aggregate banking assets, calling itself «the circulatory system of the Russian economy»,»key lender to the Russian economy and the biggest receiver of deposits».[102]
Within Russia, Sberbank is structured into several regional divisions (territorial banks):
| Baikal Bank | Zabaykalsky Krai Irkutsk Oblast Buryatia Sakha Republic
|
| Volga-Vyatka Bank | Nizhny Novgorod Oblast Vladimir Oblast Kirov Oblast Mordovia Mari El Chuvashia Tatarstan
|
| East Siberian Bank | Krasnoyarsk Krai Tuva Khakassia
|
| Far Eastern Bank | Khabarovsk Krai Primorsky Krai Amur Oblast Sakhalin Oblast Jewish Autonomous Oblast Magadan Oblast Kamchatka Krai Chukotka Autonomous Okrug
|
| West Siberian Bank | Tyumen Oblast Omsk Oblast Khanty-Mansi Autonomous Okrug Yamalo-Nenets Autonomous Okrug
|
| West Urals Bank | Perm Krai Komi Udmurtia
|
| Moscow Bank | Moscow
|
| Volga Region Bank | Samara Oblast Ulyanovsk Oblast Orenburg Oblast Saratov Oblast Volgograd Oblast Astrakhan Oblast Penza Oblast
|
| Northern Bank | Yaroslavl Oblast Kostroma Oblast Ivanovo Oblast Vologda Oblast Arkhangelsk Oblast Nenets Autonomous Okrug
|
| North Western Bank | Saint Petersburg Leningrad Oblast Murmansk Oblast Kaliningrad Oblast Pskov Oblast Novgorod Oblast Karelia
|
| North Caucasus Bank | Stavropol Krai Ingushetia North Ossetia-Alania Kabardino-Balkaria Dagestan Karachay-Cherkessia Kalmykia Chechnya
|
| Siberian Bank | Novosibirsk Oblast Tomsk Oblast Kemerovo Oblast Altai Krai Altai Republic
|
| Central Russian Bank | Moscow Oblast Tver Oblast Kaluga Oblast Bryansk Oblast Smolensk Oblast Tula Oblast Ryazan Oblast
|
| Ural Bank | Sverdlovsk Oblast Chelyabinsk Oblast Kurgan Oblast Bashkortostan
|
| Central Black Earth Bank | Voronezh Oblast Oryol Oblast Lipetsk Oblast Kursk Oblast Belgorod Oblast Tambov Oblast
|
| South Western Bank | Rostov Oblast Krasnodar Krai Adygea Crimea Sevastopol
|
International presence[edit]
| Belarus |
BPS Sberbank |
| Ukraine |
Sberbank[103] (closed 2022) |
| Kazakhstan |
Sberbank[104] |
| Austria |
Sberbank Europe (closed December 2022) |
| Germany |
Sberbank Europe (closed December 2022) |
| Switzerland |
Sberbank Switzerland (sold September 2022) |
| Czech Republic |
Sberbank Europe (closed December 2022) |
| China |
Sberbank International |
| India |
Sberbank International |
| Malaysia |
Sberbank International |
| United States
|
Sberbank CIB (wound down 2022) |
| United Kingdom
|
Sberbank CIB (in receivership 2022) |
| Cyprus
|
Sberbank CIB |
The 19 August 2021 Supreme Court of Ukraine ruling forbids the daughter of the Russian Sberbank in Ukraine to use the trademark «Sberbank» since it ruled that Oschadbank is the sole legal owner of the trademark «Sberbank» in Ukraine.[105]
In November 2021, aiming to focus on priority markets, Sberbank Europe AG sold associated banks in Bosnia and Herzegovina (Sberbank a.d. Banja LuKa and Sberbank BH d.d. Sarajevo), in Croatia (Sberbank d.d.), in Hungary (Sberbank Magyarorszag Zrt.), in Serbia (Sberbank Srbija a.d. Beograd) and in Slovenia (Sberbank banka d.d.) to Serbian MK Group for about 500 million Euros.[106]
[edit]
Sberbank sponsors sports and charity events in various regions of Russia,[107][108][109][110] as well as educational projects[111][112] including projects developing financial literacy.[113][114]
Controversies[edit]
Savings freezing[edit]
Sberbank is the successor of Soviet Saving Banks (as it name implies), whose assets belonged to the state.[115] During Russia’s transition to a market economy in the 1990s, in which these assets were sold, Sberbank provided no guarantee for citizens’ deposits.[116] This resulted in a landslide depreciation, which in turn led to severe discontent among the Russian population.[117] Since 1996, partial compensation for investors’ losses has been offered.[118] However, until 2003 this only applied to state-owned banks such as Sberbank, giving them an unfair advantage over fully private banks.[119]
The law of 1995 assumed that in 2003 the repayment of debts to the population would begin, taking into account the real value of the ruble at the current moment. However, for 20 years, the start of payments was regularly postponed. As of 2022, the full repayment of the debt would cost the state almost 200 trillion rubles. In the fall of 2022, the government introduced a bill on a new delay — until 2026.[120]
Low level of service in the early 2000s[edit]
In the early 2000s, Sberbank was repeatedly blamed for poor service.[121][122] In subsequent years, Sberbank introduced new services[123][124] and improved the quality of some of its existing ones. By the mid-2010s, the bank was reportedly among the market leaders with regards to quality of client services, such as services for retail depositors,[125] premium services[126] and several others.
Laundering stolen money accusations, Prevezon Holdings[edit]
Sergei Leonidovich Magnitsky accused numerous persons and entities of laundering stolen money in tax fraud in a Hermitage Capital Management case [ru] in Russia.[127] Owned by Denis Katsyv, Prevezon Holdings, represented by Natalia Vladimirovna Veselnitskaya and Louis Freeh, paid $6 million to resolve the claim without admitting any crime which subsequently led to all charges being dropped by the Justice Department in the summer of 2017.[127][128][129][a]
Pavlovgranite case[edit]
In United States court, Sergey P. Poymanov (Russian: Сергей Пойманов), a Voronezh-based businessman, sued Sberbank, several of its subsidiaries and executives, and a business rival for $750 million, claiming that a valuable granite gravel quarry he owned was illegally bankrupted and seized by the bank in a corporate raid in 2012. Sberbank says it took the quarry as collateral after Mr. Poymanov failed to repay a loan. Sberbank is retaining Marc Kasowitz for this court case.[127]
In January 2017 Herman Gref, a bank chief executive, has personally commented on Poymanov case, referring to the latter as a «fraudster» and accusing him of not paying loands and debts, and that Poymanov is charged with a felony. He said that Poymanov «extracted» a lot of money out of the company and that he was offered with a restructuring of his loans but allegedly refused.[133]
Poymanov was subsequently charged with a bunch of misdemeanors and arrested on May 24, 2017, by Russian police who then subjected him to harsh pretrial detention at a notoriously rough Moscow jail, Matrosskaya Tishina, which is the same jail where Magnitsky died.[127][134] He was charged with alleged embezzlement of company’s money amounting to almost 1 billion rubles (about $13 billion) as a part of Bankruptcy fraud.[135]
Ukrainian sanctions and vandalism of Sberbank property[edit]
In April 2014, several Ukrainian officials accused Sberbank of funding the 2014 pro-Russian unrest in Ukraine, including alleged terrorism. The bank denied any involvement in the financing of illegal activities on Ukrainian territory, which was later confirmed by an examination carried out by the National Bank of Ukraine.[136]
«It is another instance of aggressive nationalism of neo-Nazi dogma that is gathering momentum in Ukraine and obviously enjoys support of official authorities of the country,» the Russian foreign ministry stated.[137]
15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank [uk] (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbas.[45][46][47] Since then, Sberbank’s Ukrainian subsidiary, VS Bank (Ukrainian: ВіЕс Банк), has been put on sale.[45] But as of August 2017 it has been unsuccessfully trying to sell the asset after the National Bank of Ukraine blocked the sale of the bank due to a «failure to provide the necessary and sufficient documents to carry out checks on the investors in compliance with Ukrainian law.»[45] In 2017 Sberbank was reported to be waiting for approval from the National Bank of Ukraine to sell its Ukrainian subsidiaries. «Everything is prepared on our side. The question is whether we will be given a permission to sell or not by Ukrainian authorities,» Herman Gref who is the chairman of Sberbank said on the World Economic Forum held in Davos in January 2018. On 13 December 2017, Sberbank sold another subsidiary, VS Bank (Ukrainian: ВіЕс Банк), to a Ukrainian banker, former PrivatBank chairman Serhiy Tihipko.[48][137]
Troika Laundromat accusation in Lithuania[edit]
In March 2019, the Troika Laundromat was exposed as an international money laundering network involving the Troika Dialog which is an investment bank that has been merged with the Sberbank’s subsidiary Sberbank CIB.[138][139][140][141]
2019 data breach[edit]
In October 2019, it was revealed that analysts from cybersecurity firm DeviceLock had shared information about a large Sberbank data breach with the newspaper, the Kommersant.[142] The personal information of up to 60 million Sberbank credit cards had been offered for sale on the black market. It was the largest data breach to have taken place in Russian banking.[143]
See also[edit]
- Banking in Russia
- Sberkassa
- VTB Bank
Explanatory notes[edit]
- ^ Prevezon’s attorney Louis Freeh was Director of the FBI from September 1, 1993 until June 25, 2001.[128][129][130] In November 2017, Katsyv’s company Prevezon stated that it would pay the fine using money from AFI Europe, which is a subsidiary of Lev Leviev’s Africa Israel Investments.[129] In May 2018, Freeh purchased a $9.38 million home from Armen A. Manoogian in Palm Beach, Florida, near Mar-a-Lago where Freeh often attends events.[131][132]
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- ^ Украина запретила деятельность «Золотой Короны» и других платежных систем из РФ: Украина расширила санкции в отношении РФ, ограничив, среди прочего, деятельность ряда российских платежных систем. Соответствующее решение закреплено указом президента Украины № 467/2016, текст которого и соответствующие санкционные списки размещены на сайте главы государства [Ukraine banned the activities of the «Golden Crown» and other payment systems from the Russian Federation: Ukraine has extended sanctions against the Russian Federation, limiting, among other things, the activities of a number of Russian payment systems. The corresponding decision is fixed by the decree of the President of Ukraine No. 467/2016, the text of which and corresponding sanctions lists are posted on the website of the head of state]. mail.ru (in Russian). Interfax.ru. 18 October 2016. Archived from the original on 29 October 2016. Retrieved 27 February 2018.
- ^ Пороше́нко, Петро́ Олексі́йович (17 October 2016). УКАЗ ПРЕЗИДЕНТА УКРАЇНИ №467/2016: Про рішення Ради національної безпеки і оборони України від 16 вересня 2016 року «Про застосування персональних спеціальних економічних та інших обмежувальних заходів (санкцій)» [DECREE OF THE PRESIDENT OF UKRAINE No. 467/2016: On the decision of the National Security and Defense Council of Ukraine dated 16 September 2016 «On the application of personal special economic and other restrictive measures (sanctions)»]. President of Ukraine website (in Ukrainian). Retrieved 27 February 2018.
- ^ Пороше́нко, Петро́ Олексі́йович (17 October 2016). Додаток 4 до рішення Ради національної безпеки і оборони України від 16 вересня 2016 року «Про застосування персональних спеціальних економічних та інших обмежувальних заходів (санкцій)» ЮРИДИЧНІ ОСОБИ, до яких застосовуються обмежувальні заходи (санкції) [Annex 4 to the decision of the National Security and Defense Council of Ukraine from 16 September 2016 «On the Application of Personal special economic and other restrictive measures (sanctions)»: ENTITIES, to which restrictive measures (sanctions) apply] (PDF) (in Ukrainian). pp. 63–4 (#155 Sberbank Russia), 69–70 (#167 Sberbank Leasing). Retrieved 27 February 2018.
- ^ a b c d e Ukraine blocks sale of subsidiaries of Russia’s Sberbank, VEB – media, UNIAN (29 July 2017)
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- ^ (in Ukrainian) The Supreme Court ordered the daughter of Sberbank to change its name — Oschadbank won the case, Ukrayinska Pravda (20 August 2021)
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External links[edit]
- Official website
- Sberbank BIC Codes
| Регистрационный номер | Наименование* | Дата регистрации | Место нахождения (фактический адрес) |
|---|---|---|---|
| 7 | Адыгейское ОСБ № 8620 | 20.05.1997 | 385011, Республика Адыгея, г. Майкоп, ул. Димитрова, 4, корпус 2 |
| 16 | Алтайское отделение № 8644 | 20.05.1997 | 656038, Алтайский край, г. Барнаул, проспект Комсомольский, 106-А |
| 70 | Благовещенское отделение №8636 | 20.05.1997 | 675000, Амурская область, г. Благовещенск, ул. Зейская 240 |
| 88 | Архангельское отделение № 8637 | 20.05.1997 | 163000, г.Архангельск, просп. Ломоносова, 137 |
| 112 | Астраханское отделение N 8625 | 20.05.1997 | 414000, г. Астрахань, Кировский район, ул. Кирова, 41 |
| 130 | Башкирское отделение № 8598 | 20.05.1997 | 450059, Республика Башкортостан, г.Уфа, ул.Рихарда Зорге, 5. |
| 188 | Белгородское отделение №8592 | 20.05.1997 | 308000, Белгородская область, г.Белгород, Гражданский проспект, 52 |
| 207 | Брянское отделение №8605 | 20.05.1997 | 241050, г. Брянск, пр. Ленина, 10-б |
| 230 | Бурятское отделение № 8601 | 20.05.1997 | 670031, Республика Бурятия, г. Улан-Удэ, ул. Терешковой, 3Б |
| 261 | Владимирское отделение №8611 | 20.05.1997 | 600015, г.Владимир, проспект Ленина, 36 |
| 264 | Волгоградское отделение N 8621 | 20.05.1997 | 400005, г.ВОЛГОГРАД, ул.Коммунистическая, 40 |
| 297 | Вологодское отделение № 8638 | 20.05.1997 | 160000, г.Вологда, ул. Предтеченская, 33 |
| 314 | Центрально-Черноземный банк | 20.05.1997 | 394018, Воронежская область, г. Воронеж, ул. 9 Января, 28 |
| 366 | Уральский банк | 20.05.1997 | 620026, г. Екатеринбург, ул. Куйбышева, 67 |
| 373 | Свердловское отделение № 7003 | 20.05.1997 | 620014, Свердловская область, г. Екатеринбург, ул. Бориса Ельцина, д. 3/2 |
| 412 | Ивановское отделение №8639 | 20.05.1997 | 153009 г.Иваново ул.Лежневская, 159 |
| 422 | Байкальский банк | 20.05.1997 | 664011, г. Иркутск, ул. Нижняя Набережная, 10 |
| 447 | Кабардино-Балкарское отделение №8631 | 20.05.1997 | 360051 Кабардино-Балкарская Республика, г. Нальчик. ул. Пушкина/Кешокова, 33-а/72 |
| 463 | Калининградское отделение № 8626 | 20.05.1997 | 236006, г.Калининград, Московский проспект, 24 |
| 488 | Калужское отделение №8608 | 20.05.1997 | 248001, г. Калуга, ул. Кирова, 21а |
| 512 | Карельское отделение № 8628 | 20.05.1997 | 185035, Республика Карелия, г.Петрозаводск, ул. Антикайнена, 2 |
| 528 | Кемеровское отделение № 8615 | 20.05.1997 | 650066, г.Кемерово, пр.Октябрьский,53 |
| 558 | Кировское отделение № 8612 | 20.05.1997 | 610000, Кировская область, г. Киров, ул. Дерендяева, д. 25 |
| 596 | Коми отделение № 8617 | 20.05.1997 | 167023, Республика Коми, г.Сыктывкар, ул. Морозова, д. 89 |
| 623 | Костромское отделение №8640 | 20.07.1994 | 156005, г. Кострома, ул. Никитская, 33 |
| 638 | Краснодарское отделение №8619 | 20.05.1997 | 350000, Краснодарский край, г. Краснодар, Центральный округ, ул. Красноармейская, 34 |
| 662 | Центральное отделение N 1806 | 20.05.1997 | 354000, Краснодарский край, г. Сочи, Центральный район, ул. Войкова, 2 |
| 664 | Красноярское отделение №8646 | 20.05.1997 | 660028, Красноярский край, г.Красноярск, пр.Свободный, 46 |
| 717 | Курганское отделение № 8599 | 20.05.1997 | 640022, Курганская область, г.Курган, ул.Гоголя,98 |
| 739 | Курское отделение №8596 | 20.05.1997 | 305004, г.Курск, ул.Ленина, 67 |
| 782 | Липецкое отделение №8593 | 20.05.1997 | 398910, г. Липецк, ул. Первомайская, д. 2 |
| 787 | Северо-Восточное отделение № 8645 | 20.05.1997 | 685000, г.Магадан, ул.Пушкина ,11/11 |
| 796 | отделение Марий Эл № 8614 | 20.05.1997 | 424000, Республика Марий Эл, г.Йошкар-Ола, ул.Карла Маркса, 109 б |
| 853 | Мордовское отделение N8589 | 20.05.1997 | 430005, Республика Мордовия, г. Саранск, улица Большевистская, 30 |
| 880 | Среднерусский банк | 20.05.1997 | 109544, г.Москва, ул. Большая Андроньевская,д.8 |
| 937 | Волго-Вятский банк | 20.05.1997 | 603005, г.Нижний Новгород, ул.Октябрьская,35 |
| 960 | Новгородское отделение № 8629 | 20.05.1997 | 173025, Новгородская область, г. Великий Новгород, пр-кт Мира, д. 32, к. 1 |
| 976 | Новосибирское отделение N 8047 | 20.05.1997 | 630007, г. Новосибирск, ул. Серебренниковская, д.20 |
| 982 | Сибирский банк | 20.05.1997 | 630007, г. Новосибирск, Центральный район, ул. Серебренниковская, 20 |
| 1009 | Омское отделение №8634 | 20.05.1997 | 644024, г.Омск, ул. Маршала Жукова, 4/1 |
| 1042 | Оренбургское отделение № 8623 | 20.05.1997 | 460961, Оренбургская область, г. Оренбург, ул. Володарского, двлд. 16 |
| 1067 | Орловское отделение №8595 | 20.05.1997 | 302028, г. Орёл, ул. Брестская, 8 |
| 1100 | Пензенское отделение № 8624 | 20.05.1997 | 440000, г. Пенза, ул. Суворова, 81 |
| 1115 | Пермское отделение № 6984 | 20.05.1997 | 614990, Пермский край, г. Пермь, Свердловский район, ул. Куйбышева, д. 66/1 |
| 1160 | Приморское отделение № 8635 | 20.05.1997 | 690091, Приморский край, г. Владивосток, ул. Фонтанная, 18 |
| 1184 | ПСКОВСКОЕ ОТДЕЛЕНИЕ № 8630 | 20.05.1997 | 180000, г. Псков, пр-т Октябрьский, 23/25 |
| 1190 | Юго-Западный банк | 20.05.1997 | 344068, г.Ростов-на-Дону, Ворошиловский р-н, ул. Евдокимова, 37 |
| 1246 | Рязанское отделение №8606 | 20.05.1997 | 390000, г. Рязань, ул. Пожалостина, д. 19 |
| 1258 | Поволжский банк | 20.05.1997 | 443011, г.Самара, ул.Ново-Садовая, 305 |
| 1272 | Самарское отделение № 6991 | 20.05.1997 | 443080, г.Самара, Октябрьский район, Московское шоссе, д.15 |
| 1309 | Северо-Западный банк | 20.05.1997 | 191124, Санкт-Петербург, ул.Красного Текстильщика, 2 |
| 1344 | Саратовское отделение № 8622 | 20.05.1997 | 410012, Саратовская область, г. Саратов, ул. им. Вавилова Н.И., д. 1/7 |
| 1371 | Северо-Осетинское отделение №8632 | 20.05.1997 | 362003, Республика Северная Осетия-Алания, г.Владикавказ, ул. Коцоева, 68 |
| 1389 | Смоленское отделение №8609 | 20.05.1997 | 214030, Смоленская область, г.Смоленск, ул. Нормандии-Неман, 23 |
| 1426 | Ставропольское отделение № 5230 | 20.05.1997 | 355035, Ставропольский край, г. Ставрополь, ул. Ленина, 361 |
| 1449 | Тамбовское отделение №8594 | 20.05.1997 | 392036, г. Тамбов, ул. К. Маркса, 130 |
| 1466 | отделение «Банк Татарстан» №8610 | 20.05.1997 | 420012, г. Казань, ул. Бутлерова, д. 44 |
| 1527 | Тверское отделение №8607 | 20.05.1997 | 170100, г.Тверь, ул. Трехсвятская, 8 |
| 1535 | Томское отделение № 8616 | 20.05.1997 | 634061, г. Томск, проспект Фрунзе, 90/1 |
| 1542 | Кызылское отделение № 8591 | 20.05.1997 | 667000, Республика Тыва, г. Кызыл, ул. Кочетова, 34а |
| 1558 | Тульское отделение №8604 | 20.05.1997 | 300000, г. Тула, площадь Крестовоздвиженская, д. 1 |
| 1594 | Югорское отделение №5940 | 20.05.1997 | 628400, Тюменская обл., Ханты-Мансийский АО- Югра, г. Сургут, ул. Дзержинского, 5 |
| 1597 | Западно-Сибирское отделение №8647 | 20.05.1997 | 625023, Тюменская область, г. Тюмень, ул. Рижская, 61. |
| 1625 | Удмуртское отделение № 8618 | 20.05.1997 | 426057, Удмуртская Республика, г. Ижевск, ул.Красная, 105 |
| 1639 | Ульяновское отделение № 8588 | 20.05.1997 | 432017,г. Ульяновск, ул. Гончарова, 40А |
| 1643 | Биробиджанское ОСБ №4157 | 20.05.1997 | 679016, Еврейская автономная область, г. Биробиджан, ул.Шолом-Алейхема, 16 |
| 1654 | Дальневосточный банк | 20.05.1997 | 680020, Хабаровский край, г.Хабаровск,ул.Гамарника, 12 |
| 1662 | Абаканское отделение № 8602 | 20.05.1997 | 655017, Республика Хакасия, г.Абакан, ул.Пушкина, 165, литер А, помещение 2Н, помещение 3Н |
| 1700 | Челябинское отделение № 8597 | 20.05.1997 | 454048, г.Челябинск, ул.Энтузиастов, 9а |
| 1727 | Читинское отделение № 8600 | 20.05.1997 | 672010 , Забайкальский край, г. Чита, ул. имени Полины Осипенко, 40 |
| 1747 | Чувашское отделение № 8613 | 20.05.1997 | 428032, Чувашская Республика, г.Чебоксары, Московский пр.,3 |
| 1753 | Якутское отделение №8603 | 20.05.1997 | 677980, Республика Саха (Якутия ), г. Якутск , ул. Октябрьская, 17 |
| 1802 | Ингушское ОСБ № 8633 | 20.05.1997 | 366720, Республика Ингушетия, г.Назрань, ул.Московская 27 |
| 1806 | Южно-Сахалинское отделение № 8567 | 27.05.1997 | 693020, Сахалинская область, г. Южно-Сахалинск, ул. Амурская, 61 |
| 1810 | Горно-Алтайское отделение №8558 | 08.08.1997 | 649000 , Республика Алтай , г.Горно-Алтайск , ул.В.И.Чаптынова,2 |
| 1897 | Камчатское отделение N 8556 | 08.08.1997 | 683001, Камчатский край, г. Петропавловск-Камчатский,ул. Набережная, 30 |
| 1898 | Ростовское отделение № 5221 | 08.08.1997 | 344068, Ростовская обл., г. Ростов-на-Дону, Ворошиловский район, ул. Евдокимова, дом № 37 |
| 1924 | Ямало-Ненецкое отделение №8369 | 08.08.1997 | 629305, Ямало-Ненецкий автономный округ, г. Новый Уренгой, ул. Таежная, д. 30А, пом. 3-22, 24-29 |
| 1932 | Ярославское отделение №17 | 08.08.1997 | 150003, Ярославская область, г. Ярославль, ул. Советская, д. 34 |
| 1939 | Мурманское отделение №8627 | 22.10.1998 | 183038, г. Мурманск, пр. Ленина, д. 37 |
| 1943 | Калмыцкое отделение № 8579 | 16.04.1999 | 358000, Республика Калмыкия, г. Элиста, ул. В.И. Ленина, 305 |
| 1945 | Иркутское отделение № 8586 | 26.08.1999 | 664011, г. Иркутск, ул. Пискунова, 122 |
| 1946 | Карачаево-Черкесское отделение № 8585 | 23.12.1999 | 369009, Карачаево-Черкесская Республика, г. Черкесск, ул. Демиденко, 157 Г |
| 1947 | Дагестанское отделение № 8590 | 02.07.2001 | 367000, Республика Дагестан , г. Махачкала, ул. Даниялова, 1 «в» |
| 1948 | Московский банк | 17.10.2001 | 109544, Москва, ул. Большая Андроньевская, д. 6 |
| 1950 | Чеченское отделение № 8643 | 02.04.2010 | 364024, Чеченская Республика, г. Грозный, Ленинский район, ул. А. Митаева |
| 1951 | в Республике Индии | 28.09.2010 | Республика Индия, 110001, г. Нью-Дели, Баракхамба Роуд 25, Бирла Тауэр, верхний цокольный этаж и четвертый этаж |
* Не включает в себя слово «Филиал» и наименование головной кредитной организации.
Реквизиты ПАО Сбербанка
| Полное фирменное наименование: | Публичное акционерное общество «Сбербанк России» |
| Сокращенное фирменное наименование: | ПАО Сбербанк |
| Полное фирменное наименование на английском языке: | Sberbank of Russia |
| Сокращенное фирменное наименование на английском языке: | Sberbank |
| Номер лицензии ЦБ РФ: | № 1481 |
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Москва, 117997, ул. Вавилова, д. 19 |
| Телеграфный адрес: | г. Москва, В-312, Россбербанк |
| Телефакс: | + 7 (495) 957-57-31, + 7 (495) 747-37-31 |
| Телетайп: | 114569 SBRF RU |
| Телекс: | 414733 SBRF RU |
| Корр.счет: | 30101810400000000225 |
| БИК: | 044525225 |
| КПП: | 773601001 |
| ИНН: | 7707083893 |
| ОГРН: | 1027700132195 |
| SWIFT: | SABRRUMM |
Реквизиты Сбербанка Московский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 109544, г. Москва, ул. Большая Андроньевская, д.6 |
| Корсчет: | 30101810400000000225 в Главном управлении Центрального банка Российской Федерации по Центральному федеральному округу г. Москва (ГУ Банка России по ЦФО) |
| БИК: | 044525225 |
| ИНН: | 7707083893 |
| КПП: | 773643001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Северо-Западный банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 191124, Санкт-Петербург, ул. Красного Текстильщика, д.2 |
| Корсчет: | 30101810500000000653 в ГРКЦ ГУ Банка России по г. Санкт-Петербургу |
| БИК: | 044030653 |
| ИНН: | 7707083893 |
| КПП: | 784243001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Юго-Западный банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 344068 г. Ростов-на-Дону, ул. Евдокимова, 37, Юго-Западный банк ПАО Сбербанк |
| Корсчет: | 30101810600000000602 в Отделении по Ростовской области Южное ГУ Банка России |
| БИК: | 046015602 |
| ИНН: | 7707083893 |
| КПП: | 616143001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Сибирский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Россия, 630007, Новосибирск, ул. Серебренниковская, 20 |
| Корсчет: | № 30101810500000000641 в ГРКЦ при ГУ Банка России |
| БИК: | 045004641 |
| ИНН: | 7707083893 |
| КПП: | 540602001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Дальневосточный банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Россия, г. Хабаровск, 680020, ул. Гамарника, 12 |
| Корсчет: | 30101810600000000608 в отделении по Хабаровскому краю Дальневосточного главного управления Центрального банка Российской Федерации |
| БИК: | 040813608 |
| ИНН: | 7707083893 |
| КПП: | 272143001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Поволжский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 443011, г. Самара, ул. Ново-Садовая, 305, Поволжский банк |
| Корсчет: | 30101810200000000607 |
| БИК: | 043601607 |
| ИНН: | 7707083893 |
| КПП: | 631602001 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Среднерусский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 109544, Москва, ул. Б. Андроньевская, д. 8 |
| Корсчет: | 30101810400000000225 в ОПЕРУ Московского ГТУ Банка России |
| БИК: | 044525225 |
| ИНН: | 7707083893 |
| КПП: | 775002002 |
| SWIFT-код: | SABRRUMM |
Реквизиты Сбербанка Байкальский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | 664011, г. Иркутск, ул. Нижняя Набережная, д. 10. |
| Корсчет: | 30101810900000000607 в отделении по Иркутской области Сибирского главного Управления Центрального банка Российской Федерации |
| БИК: | 042520607 |
| ИНН: | 7707083893 |
| КПП: | 380843001 |
| SWIFT-код: | SABRRU66 |
Реквизиты Сбербанка Волго-Вятский банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Нижний Новгород, 603005, ул. Октябрьская, д. 35 |
| Корсчет: | 30101810900000000603 в ГРКЦ ГУ Банка России по Нижегородской обл. |
| БИК: | 042202603 |
| ИНН: | 7707083893 |
| КПП: | 526002001 |
| SWIFT-код: | SABRRUMMNA1 |
Реквизиты Сбербанка Центрально-черноземный банк
| Юридический адрес: | Россия, Москва, 117997, ул. Вавилова, д. 19 |
| Почтовый адрес: | Россия, Воронеж, 394006, ул. 9 Января, 28 |
| Корсчет: | 30101810600000000681 |
| БИК: | 042007681 |
| ИНН: | 7707083893 |
| КПП: | 526002001 |
| SWIFT-код: | SABRRUMMVH1 |
Реквизиты Сбербанка Уральский банк
| Юридический адрес: | 620014, г. Екатеринбург, ул. Малышева, д. 31-в |
| Почтовый адрес: | 620026, г. Екатеринбург, ул. Куйбышева, д. 67 |
| Корсчет: | 30101810500000000674 в ГРКЦ ГУ Банка России по Свердловской области |
| БИК: | 046577674 |
| ИНН: | 7707083893 |
| КПП: | 667102008 |
| SWIFT-код: | SABRRUMM |
PJSC Sberbank
|
|
|
Sber-City in Moscow, Sberbank’s headquarters[1] |
|
|
Native name |
Сбербанк |
|---|---|
| Formerly | Savings bank of Russia (RSFSR) (1842–1991) |
| Type | Public (ПАО) |
|
Traded as |
MCX: SBER |
| Industry | Banking, financial services |
| Founded | 22 March 1991; 31 years ago (through the reorganization of the Savings bank of the RSFSR) |
| Headquarters | Moscow, Russia 55°41′55.69″N 37°34′45.54″E / 55.6988028°N 37.5793167°ECoordinates: 55°41′55.69″N 37°34′45.54″E / 55.6988028°N 37.5793167°E |
|
Key people |
Anton Germanovich Siluanov (Chairman-Supervisory Board) Herman Gref (CEO, Chief Executive Officer & Member-Supervisory Board) [2] |
| Products | Consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, savings, securities, asset management, wealth management, credit cards |
| Revenue | $40 billion[3] (2017) |
|
Operating income |
$23.6 billion[4] (2020) |
|
Net income |
$16.9 billion[5] (2021) |
| Total assets | $559 billion[5] (2021) |
| Total equity | $76.6 billion[5] (2021) |
| Owner | National Wealth Fund, Government of Russia (50%+1 share)[6] |
|
Number of employees |
281,000 (2019)[7] |
| Subsidiaries | Sberbank CIB SberTech Subsidiaries in some European and post-Soviet countries |
| Rating | Ba2 (Moody’s), BBB- (Fitch) (2017)[8] |
| Website | sberbank.com sberbank.ru |
PJSC Sberbank (Russian: Сбербанк, initially a contraction of Russian: сберегательный банк, romanized: sberegatelnyy bank, lit. ‘savings bank’) is a Russian majority state-owned banking and financial services company headquartered in Moscow. It was called Sberbank of Russia until 2015 (currently: Sber). Sberbank has operations in several European nations, primarily post-Soviet countries.
By 2022, the bank accounted for about a third of all bank assets in Russia.[9] The bank’s rise since 1990s is in part due to its close connections to the Russian government.[9] As of 2014 it was the largest bank in Russia and Eastern Europe, and the third largest in Europe, ranked 60th in the world and first in central and Eastern Europe in The Banker‘s Top 1000 World Banks ranking.[10] In the world ranking of public companies Forbes «Global 2000» Sberbank takes 51st place.[11]
History[edit]
Russian coin commemorating the establishment of the first savings banks in the Russian Empire in 1841.
Early history[edit]
Sberbank’s history goes back to Cancrin’s financial reform of 1841,[12] when a network of the first state-owned savings banks was created in Russian Empire. By the end of the 19th century, the network reached almost 4 thousand outlets with over 2 million depositors.[13]
Since 1905, savings bank outlets became authorised to sell insurance. After 1910, savings banks started subsidising credit cooperation institutions and extending loans to small lenders. In 1915, savings bank outlets started accepting government securities for depositing.[14]
Soviet savings banks system[edit]
After the October Revolution of 1917, the state savings banks system continued its activity and growth under the management of the Finance Ministry of the USSR as the State Labour Savings Banks System. From 1926, the saving bank outlets were used to pay wages to blue- and white-collar workers. The savings banks were used to distribute state lottery tickets and for the placement of state bonds with the population. The savings banks introduced wider services such as money transfers.[15]
By late 1980s, the Soviet savings bank system had almost 80 thousand branches. As part of Perestroika reforms, in 1987 the savings bank outlets are reorganised into the Savings Bank of the USSR. Within the Savings bank of the USSR,[16] separate savings banks were created in the Soviet Republics. Following the dissolution of the USSR, the former republican savings banks became state savings banks of the newly independent post-Soviet states.
In 1991, the Savings bank of the RSFSR has been reorganised into the Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia).
Sberbank of Russia[edit]
In post-Soviet Russia, Sberbank is the largest universal bank despite growing competition from private and other state-owned commercial banks. The bank has gradually expanded its international presence.[17]
Since 2007, Sberbank is led by former economy minister Herman Gref who is a very close friend of Vladimir Putin.[18]
Volksbank International acquisition, 2011[edit]
In 2011, Sberbank acquired Volksbank International AG from its shareholders Österreichische Volksbanken AG, BPCE, DZ Bank and WGZ Bank. The deal included all Volksbank assets — banks in Slovakia, Czech Republic, Hungary, Slovenia, Croatia, Ukraine, Serbia and Bosnia and Herzegovina, except for Volksbank Romania. The agreed price was €585 to €645 million, depending on Volksbank business performance in 2011. Volksbank’s total assets excluding Romania was €9.4 billion in June 2011.[citation needed] On 16 December 2013, Volksbank (Ukraine), which was a wholly owned subsidiary of Sberbank, changed its name to VS Bank [uk] (Ukrainian: ВіЕс Банк).[19][20]
Denizbank acquisition, 2012[edit]
In June 2012 Sberbank bought the Turkish DenizBank for Turkish lira 6,469 billion (about EUR 2,821 billion or US$3.504 billion) from the lender Dexia, which in 2011 was «partly nationalized by the governments of France, Belgium and Luxembourg».[21] The deal included DenizBank subsidiaries in Turkey, Austria and Russia.[22]
US, EU, Switzerland, and Ukraine sanctions: 2014-2017[edit]
After the annexation of the Crimean Peninsula by Russia in 2014, the Obama administration imposed targeted sanctions on 12 September 2014, through the US Department of Treasury’s Office of Foreign Assets Control (OFAC) by adding Sberbank and other entities to the Sectoral Sanctions Identifications (SSI) List.[23][24][25][26][27][28][29][30][31] This was done in concert with 31 July 2014 addition of Sberbank to the European Union sanctions list.[32][33] Sanctions consist of access restriction to the EU and US capital markets.[34][35][36] After announcement of the sanctions, and by the end of July, Sberbank’s market value had dropped the most market value among the world’s major lenders plus investors moved $22 billion from Sberbank’s market capitalization.[37] Still, during the following year Sberbank’s share price grew back 89%.[38] Sberbank together with other Russian banks filed claims with the highest EU court to lift the punitive economic measures.[citation needed]
On 27 August 2014, Switzerland imposed sanctions on Sberbank and other Russian financial institutions.[39]
On 22 December 2015, the United States imposed additional sanctions on Sberbank and its subsidiaries.[40][41][25][26][27][31]
On 17 October 2016, Ukraine imposed sanctions against Sberbank Russia, Sberbank Leasing, and their payment systems Kolibri (Hummingbird), formerly Blitz (Ukrainian: «Колибри» стара назва – «Блиц»).[42][43][44]
On 15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbas.[45][46][47]
2017 sale of VS Bank to Tihipko[edit]
In December 2017, due to sanctions, Sberbank sold its Ukrainian subsidiary, VS Bank (Ukrainian: ВіЕс Банк)[45] to Ukrainian businessman Serhiy Tihipko.[48]
Credit cards: both issuer and payments[edit]
As of May 2016, Sberbank dominated the card payments business in Russia with over 61% of the market. Sberbank’s competitors in the card business are VTB Bank, Alfa-Bank, Tinkoff Bank, and Gazprombank which combined only had a 29% of the card business market.[49]
2022 sanctions[edit]
On 24 February 2022, as a result of the 2022 Russian invasion of Ukraine, US president Joe Biden announced sanctions against additional Russian individuals and companies, including new restrictions on Sberbank’s operations,[50] after which Sberbank’s stock lost more than half of its value.[51]
On 25 February 2022 the banking licence of Sberbank in Ukraine was revoked.[52]
On 28 February 2022, Sberbank Europe was facing bankruptcy as a consequence of the sanctions. Deutsche Börse suspended trading of Sberbank stock.[53][54][55] Two days later, Sberbank Europe declared that it was leaving the European market.[56]
Visa and Mastercard suspended their activities in Russia at the beginning of March 2022.[57] Cards of these systems issued by Russian banks no longer worked outside of Russia, and all Visa cards issued outside of Russia no longer work within Russia.[57]
On 1 April 2022 Sberbank CIB (UK) Limited went into Administration.[58] The affairs of Sberbank CIB USA, Inc were also placed into wound down from April 2022.[59]
In April 2022, Apple and Google removed Sberbank mobile apps from their stores. The Android application can be downloaded from the bank’s website, but iPhone users did not have this option.[60] In August, the SBOL application appeared in the App Store. It does not formally belong to Sber, but it fully reproduces the functionality of the removed application.[61] A week later, this app was also removed from App Store.[62]
Sberbank Switzerland was sold in September 2022 to m3 Groupe Holding SA and will trade as TradeXBank AG in future.[63]
On 15 December 2022 Sberbank Europe AG banking licence lapsed and can no longer trade.[64] On 29 December 2022 Sberbank CIB (UK) Ltd and SIB (Cyprus) Limited were removed as member firms of the London Stock Exchange[65]
Sberbank will be closing its office in the UAE in 2023 as a result of sanctions pressure.[66]
Rebranding 2020 and «ecosystem»[edit]
In 2020, Sberbank undertook a rebranding. In addition to changing the logo and legalizing the reduction “Sber”, the company announced the transformation of the bank into an “ecosystem”.
Sberbank decided to become «more than a bank» and began to develop various services, mainly digital: online cinema (Okko), music (SberSound), food delivery (SberMarket), cloud storage (SberDisk), taxi (Citymobil).[67]
Initially, the «ecosystem» was built in partnership with the large Internet holding Mail.ru Group, for which a joint venture O2O (online-to-offline) Holding was created with a capital of about 100 billion rubles. However, in the spring of 2021, the parties decided to end cooperation due to disagreements over management methods and corporate culture.[68]
Another component of the «ecosystem» is pharmacies. Having launched an online service, Sber Eapteka (e-drugstore), Sber soon decided to expand the business and open pharmacies in its own branches. It is assumed that purchases there will be more profitable due to targeted packaging of drugs, as well as the production of its own generics.[69]
In the summer of 2021, Sberbank announced the implementation of the Sabbatical practice. Employees are allowed to take unpaid leave of up to a year — with the retention of their jobs (although this requires the consent of the immediate supervisor). It is also allowed to work remotely for three months a year.[70]
Ownership[edit]
The majority shareholder of Sberbank is the Russian National Wealth Fund managed by the Government of Russia (until 2020 the Central Bank of the Russian Federation), owning 50%+1 voting share of Sberbank’s voting shares. The rest of the shares are dispersed among portfolio, private and other investors.[6][71]
Russia’s central bank cannot sell its stake without a change in Russia’s laws.[72][73]
Management[edit]
The president and chief executive officer is Herman Gref, confirmed by the board of directors on 16 October 2007.[74]
Sergei Gorkov joined Sberbank in November 2008 eventually becoming the head of the international operations and the senior vice chairman of the board from 10 October 2010, until 26 February 2016, when he left Sberbank to become the Chairman of Vnesheconombank (VEB).[75][76][77][78][79] He greatly expanded Sberbank from operations in only two foreign countries, Kazakhstan (2006)[80][81] and Ukraine (December 2007),[80][82] to over twenty countries including Belarus (2009),[80][83] Germany (2009),[80][84] China (2010),[80][85] India (September 2010),[80][86] Switzerland (31 December 2011),[80][87] Austria (acquisition of Volksbank International AG on 15 February 2012; changed name to Sberbank Europe AG on 1 November 2012, with locations in Austria, Bosnia and Herzegovina, Croatia, Czech Republic, Hungary, Slovakia, Slovenia, Serbia, Ukraine, and Germany),[80][88] Bosnia-Herzegovina (20 February 2013),[89] Hungary (31 December 2011; 1 November 2013, as Sberbank Hungary Ltd),[80][90] Croatia (February 2012),[80][91] Czech Republic (20 February 2013),[80][92] Slovenia (28 January 2013),[80] Serbia (24 December 2012),[80][93] Slovakia (15 February 2013),[80][94] and Turkey (acquisition of DenizBank in September 2012).[80][95][96][97] Following Gorkov’s departure, Svetlana Alekseyevna Sagaydak (Russian: Светлана Алексеевна Cагайдак) became the new Senior Vice Chairman of the Board.[76]
The chairman of the supervisory board of Sberbank (since April 2021) is Anton Siluanov, Minister of Finance of Russia.[98]
Formerly from 2003 to 2013 the head of RIA Novosti and from 2006 to 2016 its editor in chief, Svetlana Mironyuk is a vice-president and the head of marketing and communications since 1 February 2016.[99][100]
In February 2022, Sverbank announced foundation of its own e-commerce holding, headed by its former top-manager Lev Khasis but in a week on Feb 22,2022 he left Sberbank.[101]
Operations[edit]
As of 2015 the bank had about 16,500 offices with over 250,000 employees.[102] According to own estimates, the bank had over 137 million retail clients and over 1.1 million corporate clients in its 22 countries of presence.
As of August 2015 it accounted for 28.6% of aggregate banking assets, calling itself «the circulatory system of the Russian economy»,»key lender to the Russian economy and the biggest receiver of deposits».[102]
Within Russia, Sberbank is structured into several regional divisions (territorial banks):
| Baikal Bank | Zabaykalsky Krai Irkutsk Oblast Buryatia Sakha Republic
|
| Volga-Vyatka Bank | Nizhny Novgorod Oblast Vladimir Oblast Kirov Oblast Mordovia Mari El Chuvashia Tatarstan
|
| East Siberian Bank | Krasnoyarsk Krai Tuva Khakassia
|
| Far Eastern Bank | Khabarovsk Krai Primorsky Krai Amur Oblast Sakhalin Oblast Jewish Autonomous Oblast Magadan Oblast Kamchatka Krai Chukotka Autonomous Okrug
|
| West Siberian Bank | Tyumen Oblast Omsk Oblast Khanty-Mansi Autonomous Okrug Yamalo-Nenets Autonomous Okrug
|
| West Urals Bank | Perm Krai Komi Udmurtia
|
| Moscow Bank | Moscow
|
| Volga Region Bank | Samara Oblast Ulyanovsk Oblast Orenburg Oblast Saratov Oblast Volgograd Oblast Astrakhan Oblast Penza Oblast
|
| Northern Bank | Yaroslavl Oblast Kostroma Oblast Ivanovo Oblast Vologda Oblast Arkhangelsk Oblast Nenets Autonomous Okrug
|
| North Western Bank | Saint Petersburg Leningrad Oblast Murmansk Oblast Kaliningrad Oblast Pskov Oblast Novgorod Oblast Karelia
|
| North Caucasus Bank | Stavropol Krai Ingushetia North Ossetia-Alania Kabardino-Balkaria Dagestan Karachay-Cherkessia Kalmykia Chechnya
|
| Siberian Bank | Novosibirsk Oblast Tomsk Oblast Kemerovo Oblast Altai Krai Altai Republic
|
| Central Russian Bank | Moscow Oblast Tver Oblast Kaluga Oblast Bryansk Oblast Smolensk Oblast Tula Oblast Ryazan Oblast
|
| Ural Bank | Sverdlovsk Oblast Chelyabinsk Oblast Kurgan Oblast Bashkortostan
|
| Central Black Earth Bank | Voronezh Oblast Oryol Oblast Lipetsk Oblast Kursk Oblast Belgorod Oblast Tambov Oblast
|
| South Western Bank | Rostov Oblast Krasnodar Krai Adygea Crimea Sevastopol
|
International presence[edit]
| Belarus |
BPS Sberbank |
| Ukraine |
Sberbank[103] (closed 2022) |
| Kazakhstan |
Sberbank[104] |
| Austria |
Sberbank Europe (closed December 2022) |
| Germany |
Sberbank Europe (closed December 2022) |
| Switzerland |
Sberbank Switzerland (sold September 2022) |
| Czech Republic |
Sberbank Europe (closed December 2022) |
| China |
Sberbank International |
| India |
Sberbank International |
| Malaysia |
Sberbank International |
| United States
|
Sberbank CIB (wound down 2022) |
| United Kingdom
|
Sberbank CIB (in receivership 2022) |
| Cyprus
|
Sberbank CIB |
The 19 August 2021 Supreme Court of Ukraine ruling forbids the daughter of the Russian Sberbank in Ukraine to use the trademark «Sberbank» since it ruled that Oschadbank is the sole legal owner of the trademark «Sberbank» in Ukraine.[105]
In November 2021, aiming to focus on priority markets, Sberbank Europe AG sold associated banks in Bosnia and Herzegovina (Sberbank a.d. Banja LuKa and Sberbank BH d.d. Sarajevo), in Croatia (Sberbank d.d.), in Hungary (Sberbank Magyarorszag Zrt.), in Serbia (Sberbank Srbija a.d. Beograd) and in Slovenia (Sberbank banka d.d.) to Serbian MK Group for about 500 million Euros.[106]
[edit]
Sberbank sponsors sports and charity events in various regions of Russia,[107][108][109][110] as well as educational projects[111][112] including projects developing financial literacy.[113][114]
Controversies[edit]
Savings freezing[edit]
Sberbank is the successor of Soviet Saving Banks (as it name implies), whose assets belonged to the state.[115] During Russia’s transition to a market economy in the 1990s, in which these assets were sold, Sberbank provided no guarantee for citizens’ deposits.[116] This resulted in a landslide depreciation, which in turn led to severe discontent among the Russian population.[117] Since 1996, partial compensation for investors’ losses has been offered.[118] However, until 2003 this only applied to state-owned banks such as Sberbank, giving them an unfair advantage over fully private banks.[119]
The law of 1995 assumed that in 2003 the repayment of debts to the population would begin, taking into account the real value of the ruble at the current moment. However, for 20 years, the start of payments was regularly postponed. As of 2022, the full repayment of the debt would cost the state almost 200 trillion rubles. In the fall of 2022, the government introduced a bill on a new delay — until 2026.[120]
Low level of service in the early 2000s[edit]
In the early 2000s, Sberbank was repeatedly blamed for poor service.[121][122] In subsequent years, Sberbank introduced new services[123][124] and improved the quality of some of its existing ones. By the mid-2010s, the bank was reportedly among the market leaders with regards to quality of client services, such as services for retail depositors,[125] premium services[126] and several others.
Laundering stolen money accusations, Prevezon Holdings[edit]
Sergei Leonidovich Magnitsky accused numerous persons and entities of laundering stolen money in tax fraud in a Hermitage Capital Management case [ru] in Russia.[127] Owned by Denis Katsyv, Prevezon Holdings, represented by Natalia Vladimirovna Veselnitskaya and Louis Freeh, paid $6 million to resolve the claim without admitting any crime which subsequently led to all charges being dropped by the Justice Department in the summer of 2017.[127][128][129][a]
Pavlovgranite case[edit]
In United States court, Sergey P. Poymanov (Russian: Сергей Пойманов), a Voronezh-based businessman, sued Sberbank, several of its subsidiaries and executives, and a business rival for $750 million, claiming that a valuable granite gravel quarry he owned was illegally bankrupted and seized by the bank in a corporate raid in 2012. Sberbank says it took the quarry as collateral after Mr. Poymanov failed to repay a loan. Sberbank is retaining Marc Kasowitz for this court case.[127]
In January 2017 Herman Gref, a bank chief executive, has personally commented on Poymanov case, referring to the latter as a «fraudster» and accusing him of not paying loands and debts, and that Poymanov is charged with a felony. He said that Poymanov «extracted» a lot of money out of the company and that he was offered with a restructuring of his loans but allegedly refused.[133]
Poymanov was subsequently charged with a bunch of misdemeanors and arrested on May 24, 2017, by Russian police who then subjected him to harsh pretrial detention at a notoriously rough Moscow jail, Matrosskaya Tishina, which is the same jail where Magnitsky died.[127][134] He was charged with alleged embezzlement of company’s money amounting to almost 1 billion rubles (about $13 billion) as a part of Bankruptcy fraud.[135]
Ukrainian sanctions and vandalism of Sberbank property[edit]
In April 2014, several Ukrainian officials accused Sberbank of funding the 2014 pro-Russian unrest in Ukraine, including alleged terrorism. The bank denied any involvement in the financing of illegal activities on Ukrainian territory, which was later confirmed by an examination carried out by the National Bank of Ukraine.[136]
«It is another instance of aggressive nationalism of neo-Nazi dogma that is gathering momentum in Ukraine and obviously enjoys support of official authorities of the country,» the Russian foreign ministry stated.[137]
15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank [uk] (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbas.[45][46][47] Since then, Sberbank’s Ukrainian subsidiary, VS Bank (Ukrainian: ВіЕс Банк), has been put on sale.[45] But as of August 2017 it has been unsuccessfully trying to sell the asset after the National Bank of Ukraine blocked the sale of the bank due to a «failure to provide the necessary and sufficient documents to carry out checks on the investors in compliance with Ukrainian law.»[45] In 2017 Sberbank was reported to be waiting for approval from the National Bank of Ukraine to sell its Ukrainian subsidiaries. «Everything is prepared on our side. The question is whether we will be given a permission to sell or not by Ukrainian authorities,» Herman Gref who is the chairman of Sberbank said on the World Economic Forum held in Davos in January 2018. On 13 December 2017, Sberbank sold another subsidiary, VS Bank (Ukrainian: ВіЕс Банк), to a Ukrainian banker, former PrivatBank chairman Serhiy Tihipko.[48][137]
Troika Laundromat accusation in Lithuania[edit]
In March 2019, the Troika Laundromat was exposed as an international money laundering network involving the Troika Dialog which is an investment bank that has been merged with the Sberbank’s subsidiary Sberbank CIB.[138][139][140][141]
2019 data breach[edit]
In October 2019, it was revealed that analysts from cybersecurity firm DeviceLock had shared information about a large Sberbank data breach with the newspaper, the Kommersant.[142] The personal information of up to 60 million Sberbank credit cards had been offered for sale on the black market. It was the largest data breach to have taken place in Russian banking.[143]
See also[edit]
- Banking in Russia
- Sberkassa
- VTB Bank
Explanatory notes[edit]
- ^ Prevezon’s attorney Louis Freeh was Director of the FBI from September 1, 1993 until June 25, 2001.[128][129][130] In November 2017, Katsyv’s company Prevezon stated that it would pay the fine using money from AFI Europe, which is a subsidiary of Lev Leviev’s Africa Israel Investments.[129] In May 2018, Freeh purchased a $9.38 million home from Armen A. Manoogian in Palm Beach, Florida, near Mar-a-Lago where Freeh often attends events.[131][132]
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- ^ «Федеральный закон от 10.07.2002 N 86-ФЗ (ред. от 05.10.2015) «О Центральном банке Российской Федерации (Банке России)»«. КонсультантПлюс. Retrieved 11 November 2015.
- ^ «Сбербанк могут продать без закона». Газета Коммерсантъ. Retrieved 11 November 2015.
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- ^ Becker, Jo; Rosenberg, Matthew; Haberman, Maggie; Schmidt, Michael S.; MacFarquhar, Neil (27 March 2017). «Senate Committee to Question Jared Kushner Over Meetings With Russians». New York Times. Retrieved 26 February 2018.
- ^ a b Путин назначил Сергея Горькова главой ВЭБ: Горьков до этого назначения работал заместителем председателя правления Сбербанка и курировал работу блока международных операций [Putin appointed Sergei Gorkov head of VEB: Gorkov before this appointment worked as the deputy chairman of the board of Sberbank and supervised the work of the block of international operations]. TASS (in Russian). 26 February 2016. Retrieved 26 February 2018.
- ^ Pudenko, Peter (26 February 2016). «У него все хорошо при нынешнем режиме»: кто такой Сергей Горьков [«He is doing well under the current regime»: who is Sergei Gorkov]. Forbes Russia (in Russian). Retrieved 26 February 2018.
- ^ Горьков, Сергей Николаевич [Gorkov, Sergei Nikolayevich]. TASS (in Russian). Retrieved 26 February 2018.
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- ^ «BPS-Sberbank OJSC». Sberbank website. Retrieved 26 February 2018.
- ^ «Representative Office of Sberbank of Russia in Germany». Sberbank website. Retrieved 26 February 2018.
- ^ «Representative Office of Sberbank of Russia in Beijing». Sberbank website. Retrieved 26 February 2018.
- ^ «Branch of Sberbank of Russia in India». Sberbank website. Retrieved 26 February 2018.
- ^ «Company Overview of Sberbank (Switzerland) AG». Bloomberg. Retrieved 26 February 2018.
- ^ «Company Overview of Sberbank Europe AG». Bloomberg. Retrieved 26 February 2018.
- ^ «Company Overview of Sberbank BH d.d.» Bloomberg. Retrieved 26 February 2018.
- ^ «Company Overview of Sberbank Magyarország Zrt». Bloomberg. Retrieved 26 February 2018.
- ^ «Company Overview of Sberbank Nekretnine d.o.o.» Bloomberg. Retrieved 26 February 2018.
- ^ «Company Overview of Sberbank CZ, a.s.» Bloomberg. Retrieved 26 February 2018.
- ^ «Company Overview of Sberbank Serbia a.d.» Bloomberg. Retrieved 26 February 2018.
- ^ «Company Overview of Sberbank Slovensko, a.s». Bloomberg. Retrieved 26 February 2018.
- ^ «About Sberbank». Sberbank website. Retrieved 26 February 2018.
- ^ «Sberbank: Global Business». Sberbank website. Retrieved 26 February 2018.
- ^ «Company Overview of Sberbank a.d.» Bloomberg. Retrieved 26 February 2018.
- ^ «Members of the Supervisory Board of SberBank». official site. Retrieved 7 June 2021.
- ^ Болецкая, Ксения; Воронова, Татьяна (19 January 2016). Бывший главный редактор «РИА Новости» готовится работать в Сбербанке: Светлана Миронюк с 1 февраля может возглавить департамент маркетинга и коммуникаций [Former editor-in-chief of RIA Novosti is preparing to work in Sberbank: From 1 February, Svetlana Mironyuk can head the Marketing and Communications Department] (in Russian). Vedomosti. Retrieved 4 May 2018.
- ^ Светлана Миронюк назначена старшим вице-президентом Сбербанка [Svetlana Mironyuk appointed senior vice president of Sberbank] (in Russian). Vedomosti. 1 February 2016. Retrieved 4 May 2018.
- ^ «Сбер создаст холдинг e-commerce» (in Russian). ТАСС. 15 February 2022.
- ^ a b «Sberbank – About Us». Sberbank.ru. Retrieved 9 November 2015.
- ^ (in Ukrainian) Sberbank of Russia refused to recapitalize the Ukrainian «daughter» by 4.3 billion, Ukrayinska Pravda (15 October 2020)
- ^ «Сбербанк». www.sberbank.kz. Retrieved 2 June 2017.
- ^ (in Ukrainian) The Supreme Court ordered the daughter of Sberbank to change its name — Oschadbank won the case, Ukrayinska Pravda (20 August 2021)
- ^ «Сбербанк продаст несколько дочек в Европе на сумму около 500 млн евро» (in Russian). Интерфакс. 3 November 2021.
- ^ «Поволжский банк проводит донорский марафон «СБЕРегая тепло сердец»«. Коммерсант.ру. 12 October 2015. Retrieved 11 November 2015.
- ^ «Собрать детей в школу помогли сотрудники Западно-Уральского банка Сбербанка России». Bankir.ru. Retrieved 11 November 2015.
- ^ «42 города вышли на старт национального забега Сбербанка». Lenta.ru. Retrieved 11 November 2015.
- ^ «Сбербанк предоставил льготные условия обслуживания благотворительным организациям». Bankir.ru. Retrieved 11 November 2015.
- ^ «В Рязанском отделении Сбербанка стартовал проект «Электронная деревня»«. РЯЗАНСКОЕ ИНФОРМАЦИОННОЕ АГЕНТСТВО 7Info. Retrieved 11 November 2015.
- ^ «Поволжский банк открыва». Коммерсант.ру. 11 November 2015. Retrieved 11 November 2015.
- ^ «Сбербанк запустил сайт для повышения финансовой грамотности россиян». The Village. Retrieved 11 November 2015.
- ^ «Charity and sponsorship». report-sberbank.ru. Retrieved 11 November 2015.
- ^ § 3. Правовое регулирование сберегательного дела. Виды вкладов. Грачева Е. Ю., Соколова Э. Д. Финансовое право: Учебное пособие. — 2-е изд., испр. и доп. — М.: Юриспруденция, 2000. — 304 с. (in Russian). ISBN 5-8401-0042-0.
- ^ Обнищание «народных масс» России. В. С. Сычёва. Социологические исследования. 1994. — № 3. — С. 66-69. Автор – канд. социол. наук, ст. н. с. (in Russian). Institute of Sociology of RAS.
- ^ Банковские вклады, «сгоревшие» в 1992 году (in Russian). Lyudmila Presnyakova. Fund «Общественное мнение». 22.02.2007.
- ^ Сбербанк России начал выплачивать компенсации по советским вкладам (in Russian). Lenta.ru. 16.04.2008.
- ^ Banking and Deposit Insurance in Russia. World Bank, 2006, p.14 «Banking and Deposit Insurance in Russia» (PDF). Archived from the original (PDF) on 20 March 2009. Retrieved 20 August 2008.
- ^ «Кабмин внес в Думу законопроект о продлении приостановки выплат по вкладам CCCР» (in Russian). ТАСС. 28 September 2022.
- ^ Очереди в Сбербанк остаются огромными. Sergey Oznobischev. Kreml.org. (in Russian). 31.03.2006.
- ^ В погоне за длинным гудком Yelena Kovalyova. Kommersant Dengi. (Russian). №35(591), 04.09.2006.
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- ^ «Как работает система автоплатежей ЖКХ». Lenta.ru. Retrieved 11 November 2015.
- ^ «Private Deposit CX Rank 2015». Markswebb — Аналитическое агентство. Retrieved 11 November 2015.
- ^ «Эксперты назвали лучшие банки для премиального обслуживания». РБК. Retrieved 11 November 2015.
- ^ a b c d Kramer, Andrew E. (2 August 2017). «Marc Kasowitz, Trump Lawyer, Also Represents a Russian Bank». New York Times. Retrieved 3 February 2018.
- ^ a b Unger 2018, p. 218.
- ^ a b c Bertrand, Natasha (16 November 2017). «Former FBI director represented Russian firm at center of major money-laundering probe». Business Insider. Retrieved 25 January 2021.
- ^ «Louis J. Freeh, September 1, 1993 — June 25, 2001». FBI website. Retrieved 25 January 2021.
- ^ Unger 2018, p. 219.
- ^ Hofheinz, Darrell (30 March 2018). «Deed: Ex-FBI head Louis Freeh linked to $9.38M home purchase». Palm Beach Daily News. Retrieved 25 January 2021.
- ^ «Греф ответил на обвинения в рейдерском захвате «Павловскгранита»«. Interfax.ru (in Russian). Retrieved 17 May 2022.
- ^ «Бывший владелец «Павловскгранита» Сергей Пойманов проиграл в суде США». Ведомости (in Russian). Retrieved 17 May 2022.
- ^ «Воронежский бизнесмен Сергей Пойманов арестован после обвинения в злоупотреблении на 930 млн рублей». De Facto (in Russian). Retrieved 17 May 2022.
- ^ «НБУ подтвердил отсутствие нарушений в деятельности «Сбербанка России»«. РБК-Украина. 29 April 2014. Archived from the original on 4 March 2016. Retrieved 11 October 2015.
- ^ a b Talant, Bermet (20 February 2018). «Russian state banks leaving Ukraine because of sanctions, attacks by nationalists». Kyiv Post. Retrieved 26 February 2018.
- ^ Garside, Juliette (4 March 2019). «Q&A: what is the ‘Troika Laundromat’ and how did it work?». The Guardian. Retrieved 23 November 2019.
- ^ «The Troika Laundromat». OCCRP. Retrieved 23 November 2019.
- ^ «Russian Troika Dialog bank investigation reveals offshore money laundering scheme». bne IntelliNews. 6 March 2019. Retrieved 23 November 2019.
- ^ O’Conner, Colin (4 March 2019). «The Troika Laundromat: Five Quick Takeaways». RFE/RL. Retrieved 23 November 2019.
- ^ Times, The Moscow (3 October 2019). «Sberbank Hit by Huge Data Breach». The Moscow Times. Retrieved 7 March 2022.
- ^ Ljubas, Zdravko. «Russia: Huge Data Leak Hits Sberbank». www.occrp.org. Retrieved 7 March 2022.
External links[edit]
- Official website
- Sberbank BIC Codes
PJSC Sberbank
|
|
|
Sber-City in Moscow, Sberbank’s headquarters[1] |
|
|
Native name |
Сбербанк |
|---|---|
| Formerly | Savings bank of Russia (RSFSR) (1842–1991) |
| Type | Public (ПАО) |
|
Traded as |
MCX: SBER |
| Industry | Banking, financial services |
| Founded | 22 March 1991; 31 years ago (through the reorganization of the Savings bank of the RSFSR) |
| Headquarters | Moscow, Russia 55°41′55.69″N 37°34′45.54″E / 55.6988028°N 37.5793167°ECoordinates: 55°41′55.69″N 37°34′45.54″E / 55.6988028°N 37.5793167°E |
|
Key people |
Anton Germanovich Siluanov (Chairman-Supervisory Board) Herman Gref (CEO, Chief Executive Officer & Member-Supervisory Board) [2] |
| Products | Consumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, savings, securities, asset management, wealth management, credit cards |
| Revenue | $40 billion[3] (2017) |
|
Operating income |
$23.6 billion[4] (2020) |
|
Net income |
$16.9 billion[5] (2021) |
| Total assets | $559 billion[5] (2021) |
| Total equity | $76.6 billion[5] (2021) |
| Owner | National Wealth Fund, Government of Russia (50%+1 share)[6] |
|
Number of employees |
281,000 (2019)[7] |
| Subsidiaries | Sberbank CIB SberTech Subsidiaries in some European and post-Soviet countries |
| Rating | Ba2 (Moody’s), BBB- (Fitch) (2017)[8] |
| Website | sberbank.com sberbank.ru |
PJSC Sberbank (Russian: Сбербанк, initially a contraction of Russian: сберегательный банк, romanized: sberegatelnyy bank, lit. ‘savings bank’) is a Russian majority state-owned banking and financial services company headquartered in Moscow. It was called Sberbank of Russia until 2015 (currently: Sber). Sberbank has operations in several European nations, primarily post-Soviet countries.
By 2022, the bank accounted for about a third of all bank assets in Russia.[9] The bank’s rise since 1990s is in part due to its close connections to the Russian government.[9] As of 2014 it was the largest bank in Russia and Eastern Europe, and the third largest in Europe, ranked 60th in the world and first in central and Eastern Europe in The Banker‘s Top 1000 World Banks ranking.[10] In the world ranking of public companies Forbes «Global 2000» Sberbank takes 51st place.[11]
History[edit]
Russian coin commemorating the establishment of the first savings banks in the Russian Empire in 1841.
Early history[edit]
Sberbank’s history goes back to Cancrin’s financial reform of 1841,[12] when a network of the first state-owned savings banks was created in Russian Empire. By the end of the 19th century, the network reached almost 4 thousand outlets with over 2 million depositors.[13]
Since 1905, savings bank outlets became authorised to sell insurance. After 1910, savings banks started subsidising credit cooperation institutions and extending loans to small lenders. In 1915, savings bank outlets started accepting government securities for depositing.[14]
Soviet savings banks system[edit]
After the October Revolution of 1917, the state savings banks system continued its activity and growth under the management of the Finance Ministry of the USSR as the State Labour Savings Banks System. From 1926, the saving bank outlets were used to pay wages to blue- and white-collar workers. The savings banks were used to distribute state lottery tickets and for the placement of state bonds with the population. The savings banks introduced wider services such as money transfers.[15]
By late 1980s, the Soviet savings bank system had almost 80 thousand branches. As part of Perestroika reforms, in 1987 the savings bank outlets are reorganised into the Savings Bank of the USSR. Within the Savings bank of the USSR,[16] separate savings banks were created in the Soviet Republics. Following the dissolution of the USSR, the former republican savings banks became state savings banks of the newly independent post-Soviet states.
In 1991, the Savings bank of the RSFSR has been reorganised into the Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia).
Sberbank of Russia[edit]
In post-Soviet Russia, Sberbank is the largest universal bank despite growing competition from private and other state-owned commercial banks. The bank has gradually expanded its international presence.[17]
Since 2007, Sberbank is led by former economy minister Herman Gref who is a very close friend of Vladimir Putin.[18]
Volksbank International acquisition, 2011[edit]
In 2011, Sberbank acquired Volksbank International AG from its shareholders Österreichische Volksbanken AG, BPCE, DZ Bank and WGZ Bank. The deal included all Volksbank assets — banks in Slovakia, Czech Republic, Hungary, Slovenia, Croatia, Ukraine, Serbia and Bosnia and Herzegovina, except for Volksbank Romania. The agreed price was €585 to €645 million, depending on Volksbank business performance in 2011. Volksbank’s total assets excluding Romania was €9.4 billion in June 2011.[citation needed] On 16 December 2013, Volksbank (Ukraine), which was a wholly owned subsidiary of Sberbank, changed its name to VS Bank [uk] (Ukrainian: ВіЕс Банк).[19][20]
Denizbank acquisition, 2012[edit]
In June 2012 Sberbank bought the Turkish DenizBank for Turkish lira 6,469 billion (about EUR 2,821 billion or US$3.504 billion) from the lender Dexia, which in 2011 was «partly nationalized by the governments of France, Belgium and Luxembourg».[21] The deal included DenizBank subsidiaries in Turkey, Austria and Russia.[22]
US, EU, Switzerland, and Ukraine sanctions: 2014-2017[edit]
After the annexation of the Crimean Peninsula by Russia in 2014, the Obama administration imposed targeted sanctions on 12 September 2014, through the US Department of Treasury’s Office of Foreign Assets Control (OFAC) by adding Sberbank and other entities to the Sectoral Sanctions Identifications (SSI) List.[23][24][25][26][27][28][29][30][31] This was done in concert with 31 July 2014 addition of Sberbank to the European Union sanctions list.[32][33] Sanctions consist of access restriction to the EU and US capital markets.[34][35][36] After announcement of the sanctions, and by the end of July, Sberbank’s market value had dropped the most market value among the world’s major lenders plus investors moved $22 billion from Sberbank’s market capitalization.[37] Still, during the following year Sberbank’s share price grew back 89%.[38] Sberbank together with other Russian banks filed claims with the highest EU court to lift the punitive economic measures.[citation needed]
On 27 August 2014, Switzerland imposed sanctions on Sberbank and other Russian financial institutions.[39]
On 22 December 2015, the United States imposed additional sanctions on Sberbank and its subsidiaries.[40][41][25][26][27][31]
On 17 October 2016, Ukraine imposed sanctions against Sberbank Russia, Sberbank Leasing, and their payment systems Kolibri (Hummingbird), formerly Blitz (Ukrainian: «Колибри» стара назва – «Блиц»).[42][43][44]
On 15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbas.[45][46][47]
2017 sale of VS Bank to Tihipko[edit]
In December 2017, due to sanctions, Sberbank sold its Ukrainian subsidiary, VS Bank (Ukrainian: ВіЕс Банк)[45] to Ukrainian businessman Serhiy Tihipko.[48]
Credit cards: both issuer and payments[edit]
As of May 2016, Sberbank dominated the card payments business in Russia with over 61% of the market. Sberbank’s competitors in the card business are VTB Bank, Alfa-Bank, Tinkoff Bank, and Gazprombank which combined only had a 29% of the card business market.[49]
2022 sanctions[edit]
On 24 February 2022, as a result of the 2022 Russian invasion of Ukraine, US president Joe Biden announced sanctions against additional Russian individuals and companies, including new restrictions on Sberbank’s operations,[50] after which Sberbank’s stock lost more than half of its value.[51]
On 25 February 2022 the banking licence of Sberbank in Ukraine was revoked.[52]
On 28 February 2022, Sberbank Europe was facing bankruptcy as a consequence of the sanctions. Deutsche Börse suspended trading of Sberbank stock.[53][54][55] Two days later, Sberbank Europe declared that it was leaving the European market.[56]
Visa and Mastercard suspended their activities in Russia at the beginning of March 2022.[57] Cards of these systems issued by Russian banks no longer worked outside of Russia, and all Visa cards issued outside of Russia no longer work within Russia.[57]
On 1 April 2022 Sberbank CIB (UK) Limited went into Administration.[58] The affairs of Sberbank CIB USA, Inc were also placed into wound down from April 2022.[59]
In April 2022, Apple and Google removed Sberbank mobile apps from their stores. The Android application can be downloaded from the bank’s website, but iPhone users did not have this option.[60] In August, the SBOL application appeared in the App Store. It does not formally belong to Sber, but it fully reproduces the functionality of the removed application.[61] A week later, this app was also removed from App Store.[62]
Sberbank Switzerland was sold in September 2022 to m3 Groupe Holding SA and will trade as TradeXBank AG in future.[63]
On 15 December 2022 Sberbank Europe AG banking licence lapsed and can no longer trade.[64] On 29 December 2022 Sberbank CIB (UK) Ltd and SIB (Cyprus) Limited were removed as member firms of the London Stock Exchange[65]
Sberbank will be closing its office in the UAE in 2023 as a result of sanctions pressure.[66]
Rebranding 2020 and «ecosystem»[edit]
In 2020, Sberbank undertook a rebranding. In addition to changing the logo and legalizing the reduction “Sber”, the company announced the transformation of the bank into an “ecosystem”.
Sberbank decided to become «more than a bank» and began to develop various services, mainly digital: online cinema (Okko), music (SberSound), food delivery (SberMarket), cloud storage (SberDisk), taxi (Citymobil).[67]
Initially, the «ecosystem» was built in partnership with the large Internet holding Mail.ru Group, for which a joint venture O2O (online-to-offline) Holding was created with a capital of about 100 billion rubles. However, in the spring of 2021, the parties decided to end cooperation due to disagreements over management methods and corporate culture.[68]
Another component of the «ecosystem» is pharmacies. Having launched an online service, Sber Eapteka (e-drugstore), Sber soon decided to expand the business and open pharmacies in its own branches. It is assumed that purchases there will be more profitable due to targeted packaging of drugs, as well as the production of its own generics.[69]
In the summer of 2021, Sberbank announced the implementation of the Sabbatical practice. Employees are allowed to take unpaid leave of up to a year — with the retention of their jobs (although this requires the consent of the immediate supervisor). It is also allowed to work remotely for three months a year.[70]
Ownership[edit]
The majority shareholder of Sberbank is the Russian National Wealth Fund managed by the Government of Russia (until 2020 the Central Bank of the Russian Federation), owning 50%+1 voting share of Sberbank’s voting shares. The rest of the shares are dispersed among portfolio, private and other investors.[6][71]
Russia’s central bank cannot sell its stake without a change in Russia’s laws.[72][73]
Management[edit]
The president and chief executive officer is Herman Gref, confirmed by the board of directors on 16 October 2007.[74]
Sergei Gorkov joined Sberbank in November 2008 eventually becoming the head of the international operations and the senior vice chairman of the board from 10 October 2010, until 26 February 2016, when he left Sberbank to become the Chairman of Vnesheconombank (VEB).[75][76][77][78][79] He greatly expanded Sberbank from operations in only two foreign countries, Kazakhstan (2006)[80][81] and Ukraine (December 2007),[80][82] to over twenty countries including Belarus (2009),[80][83] Germany (2009),[80][84] China (2010),[80][85] India (September 2010),[80][86] Switzerland (31 December 2011),[80][87] Austria (acquisition of Volksbank International AG on 15 February 2012; changed name to Sberbank Europe AG on 1 November 2012, with locations in Austria, Bosnia and Herzegovina, Croatia, Czech Republic, Hungary, Slovakia, Slovenia, Serbia, Ukraine, and Germany),[80][88] Bosnia-Herzegovina (20 February 2013),[89] Hungary (31 December 2011; 1 November 2013, as Sberbank Hungary Ltd),[80][90] Croatia (February 2012),[80][91] Czech Republic (20 February 2013),[80][92] Slovenia (28 January 2013),[80] Serbia (24 December 2012),[80][93] Slovakia (15 February 2013),[80][94] and Turkey (acquisition of DenizBank in September 2012).[80][95][96][97] Following Gorkov’s departure, Svetlana Alekseyevna Sagaydak (Russian: Светлана Алексеевна Cагайдак) became the new Senior Vice Chairman of the Board.[76]
The chairman of the supervisory board of Sberbank (since April 2021) is Anton Siluanov, Minister of Finance of Russia.[98]
Formerly from 2003 to 2013 the head of RIA Novosti and from 2006 to 2016 its editor in chief, Svetlana Mironyuk is a vice-president and the head of marketing and communications since 1 February 2016.[99][100]
In February 2022, Sverbank announced foundation of its own e-commerce holding, headed by its former top-manager Lev Khasis but in a week on Feb 22,2022 he left Sberbank.[101]
Operations[edit]
As of 2015 the bank had about 16,500 offices with over 250,000 employees.[102] According to own estimates, the bank had over 137 million retail clients and over 1.1 million corporate clients in its 22 countries of presence.
As of August 2015 it accounted for 28.6% of aggregate banking assets, calling itself «the circulatory system of the Russian economy»,»key lender to the Russian economy and the biggest receiver of deposits».[102]
Within Russia, Sberbank is structured into several regional divisions (territorial banks):
| Baikal Bank | Zabaykalsky Krai Irkutsk Oblast Buryatia Sakha Republic
|
| Volga-Vyatka Bank | Nizhny Novgorod Oblast Vladimir Oblast Kirov Oblast Mordovia Mari El Chuvashia Tatarstan
|
| East Siberian Bank | Krasnoyarsk Krai Tuva Khakassia
|
| Far Eastern Bank | Khabarovsk Krai Primorsky Krai Amur Oblast Sakhalin Oblast Jewish Autonomous Oblast Magadan Oblast Kamchatka Krai Chukotka Autonomous Okrug
|
| West Siberian Bank | Tyumen Oblast Omsk Oblast Khanty-Mansi Autonomous Okrug Yamalo-Nenets Autonomous Okrug
|
| West Urals Bank | Perm Krai Komi Udmurtia
|
| Moscow Bank | Moscow
|
| Volga Region Bank | Samara Oblast Ulyanovsk Oblast Orenburg Oblast Saratov Oblast Volgograd Oblast Astrakhan Oblast Penza Oblast
|
| Northern Bank | Yaroslavl Oblast Kostroma Oblast Ivanovo Oblast Vologda Oblast Arkhangelsk Oblast Nenets Autonomous Okrug
|
| North Western Bank | Saint Petersburg Leningrad Oblast Murmansk Oblast Kaliningrad Oblast Pskov Oblast Novgorod Oblast Karelia
|
| North Caucasus Bank | Stavropol Krai Ingushetia North Ossetia-Alania Kabardino-Balkaria Dagestan Karachay-Cherkessia Kalmykia Chechnya
|
| Siberian Bank | Novosibirsk Oblast Tomsk Oblast Kemerovo Oblast Altai Krai Altai Republic
|
| Central Russian Bank | Moscow Oblast Tver Oblast Kaluga Oblast Bryansk Oblast Smolensk Oblast Tula Oblast Ryazan Oblast
|
| Ural Bank | Sverdlovsk Oblast Chelyabinsk Oblast Kurgan Oblast Bashkortostan
|
| Central Black Earth Bank | Voronezh Oblast Oryol Oblast Lipetsk Oblast Kursk Oblast Belgorod Oblast Tambov Oblast
|
| South Western Bank | Rostov Oblast Krasnodar Krai Adygea Crimea Sevastopol
|
International presence[edit]
| Belarus |
BPS Sberbank |
| Ukraine |
Sberbank[103] (closed 2022) |
| Kazakhstan |
Sberbank[104] |
| Austria |
Sberbank Europe (closed December 2022) |
| Germany |
Sberbank Europe (closed December 2022) |
| Switzerland |
Sberbank Switzerland (sold September 2022) |
| Czech Republic |
Sberbank Europe (closed December 2022) |
| China |
Sberbank International |
| India |
Sberbank International |
| Malaysia |
Sberbank International |
| United States
|
Sberbank CIB (wound down 2022) |
| United Kingdom
|
Sberbank CIB (in receivership 2022) |
| Cyprus
|
Sberbank CIB |
The 19 August 2021 Supreme Court of Ukraine ruling forbids the daughter of the Russian Sberbank in Ukraine to use the trademark «Sberbank» since it ruled that Oschadbank is the sole legal owner of the trademark «Sberbank» in Ukraine.[105]
In November 2021, aiming to focus on priority markets, Sberbank Europe AG sold associated banks in Bosnia and Herzegovina (Sberbank a.d. Banja LuKa and Sberbank BH d.d. Sarajevo), in Croatia (Sberbank d.d.), in Hungary (Sberbank Magyarorszag Zrt.), in Serbia (Sberbank Srbija a.d. Beograd) and in Slovenia (Sberbank banka d.d.) to Serbian MK Group for about 500 million Euros.[106]
[edit]
Sberbank sponsors sports and charity events in various regions of Russia,[107][108][109][110] as well as educational projects[111][112] including projects developing financial literacy.[113][114]
Controversies[edit]
Savings freezing[edit]
Sberbank is the successor of Soviet Saving Banks (as it name implies), whose assets belonged to the state.[115] During Russia’s transition to a market economy in the 1990s, in which these assets were sold, Sberbank provided no guarantee for citizens’ deposits.[116] This resulted in a landslide depreciation, which in turn led to severe discontent among the Russian population.[117] Since 1996, partial compensation for investors’ losses has been offered.[118] However, until 2003 this only applied to state-owned banks such as Sberbank, giving them an unfair advantage over fully private banks.[119]
The law of 1995 assumed that in 2003 the repayment of debts to the population would begin, taking into account the real value of the ruble at the current moment. However, for 20 years, the start of payments was regularly postponed. As of 2022, the full repayment of the debt would cost the state almost 200 trillion rubles. In the fall of 2022, the government introduced a bill on a new delay — until 2026.[120]
Low level of service in the early 2000s[edit]
In the early 2000s, Sberbank was repeatedly blamed for poor service.[121][122] In subsequent years, Sberbank introduced new services[123][124] and improved the quality of some of its existing ones. By the mid-2010s, the bank was reportedly among the market leaders with regards to quality of client services, such as services for retail depositors,[125] premium services[126] and several others.
Laundering stolen money accusations, Prevezon Holdings[edit]
Sergei Leonidovich Magnitsky accused numerous persons and entities of laundering stolen money in tax fraud in a Hermitage Capital Management case [ru] in Russia.[127] Owned by Denis Katsyv, Prevezon Holdings, represented by Natalia Vladimirovna Veselnitskaya and Louis Freeh, paid $6 million to resolve the claim without admitting any crime which subsequently led to all charges being dropped by the Justice Department in the summer of 2017.[127][128][129][a]
Pavlovgranite case[edit]
In United States court, Sergey P. Poymanov (Russian: Сергей Пойманов), a Voronezh-based businessman, sued Sberbank, several of its subsidiaries and executives, and a business rival for $750 million, claiming that a valuable granite gravel quarry he owned was illegally bankrupted and seized by the bank in a corporate raid in 2012. Sberbank says it took the quarry as collateral after Mr. Poymanov failed to repay a loan. Sberbank is retaining Marc Kasowitz for this court case.[127]
In January 2017 Herman Gref, a bank chief executive, has personally commented on Poymanov case, referring to the latter as a «fraudster» and accusing him of not paying loands and debts, and that Poymanov is charged with a felony. He said that Poymanov «extracted» a lot of money out of the company and that he was offered with a restructuring of his loans but allegedly refused.[133]
Poymanov was subsequently charged with a bunch of misdemeanors and arrested on May 24, 2017, by Russian police who then subjected him to harsh pretrial detention at a notoriously rough Moscow jail, Matrosskaya Tishina, which is the same jail where Magnitsky died.[127][134] He was charged with alleged embezzlement of company’s money amounting to almost 1 billion rubles (about $13 billion) as a part of Bankruptcy fraud.[135]
Ukrainian sanctions and vandalism of Sberbank property[edit]
In April 2014, several Ukrainian officials accused Sberbank of funding the 2014 pro-Russian unrest in Ukraine, including alleged terrorism. The bank denied any involvement in the financing of illegal activities on Ukrainian territory, which was later confirmed by an examination carried out by the National Bank of Ukraine.[136]
«It is another instance of aggressive nationalism of neo-Nazi dogma that is gathering momentum in Ukraine and obviously enjoys support of official authorities of the country,» the Russian foreign ministry stated.[137]
15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank [uk] (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbas.[45][46][47] Since then, Sberbank’s Ukrainian subsidiary, VS Bank (Ukrainian: ВіЕс Банк), has been put on sale.[45] But as of August 2017 it has been unsuccessfully trying to sell the asset after the National Bank of Ukraine blocked the sale of the bank due to a «failure to provide the necessary and sufficient documents to carry out checks on the investors in compliance with Ukrainian law.»[45] In 2017 Sberbank was reported to be waiting for approval from the National Bank of Ukraine to sell its Ukrainian subsidiaries. «Everything is prepared on our side. The question is whether we will be given a permission to sell or not by Ukrainian authorities,» Herman Gref who is the chairman of Sberbank said on the World Economic Forum held in Davos in January 2018. On 13 December 2017, Sberbank sold another subsidiary, VS Bank (Ukrainian: ВіЕс Банк), to a Ukrainian banker, former PrivatBank chairman Serhiy Tihipko.[48][137]
Troika Laundromat accusation in Lithuania[edit]
In March 2019, the Troika Laundromat was exposed as an international money laundering network involving the Troika Dialog which is an investment bank that has been merged with the Sberbank’s subsidiary Sberbank CIB.[138][139][140][141]
2019 data breach[edit]
In October 2019, it was revealed that analysts from cybersecurity firm DeviceLock had shared information about a large Sberbank data breach with the newspaper, the Kommersant.[142] The personal information of up to 60 million Sberbank credit cards had been offered for sale on the black market. It was the largest data breach to have taken place in Russian banking.[143]
See also[edit]
- Banking in Russia
- Sberkassa
- VTB Bank
Explanatory notes[edit]
- ^ Prevezon’s attorney Louis Freeh was Director of the FBI from September 1, 1993 until June 25, 2001.[128][129][130] In November 2017, Katsyv’s company Prevezon stated that it would pay the fine using money from AFI Europe, which is a subsidiary of Lev Leviev’s Africa Israel Investments.[129] In May 2018, Freeh purchased a $9.38 million home from Armen A. Manoogian in Palm Beach, Florida, near Mar-a-Lago where Freeh often attends events.[131][132]
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- ^ В погоне за длинным гудком Yelena Kovalyova. Kommersant Dengi. (Russian). №35(591), 04.09.2006.
- ^ «Новая система работы для ускорения обслуживания клиентов Сбербанка». Банковский портал Воронежа. Retrieved 11 November 2015.
- ^ «Как работает система автоплатежей ЖКХ». Lenta.ru. Retrieved 11 November 2015.
- ^ «Private Deposit CX Rank 2015». Markswebb — Аналитическое агентство. Retrieved 11 November 2015.
- ^ «Эксперты назвали лучшие банки для премиального обслуживания». РБК. Retrieved 11 November 2015.
- ^ a b c d Kramer, Andrew E. (2 August 2017). «Marc Kasowitz, Trump Lawyer, Also Represents a Russian Bank». New York Times. Retrieved 3 February 2018.
- ^ a b Unger 2018, p. 218.
- ^ a b c Bertrand, Natasha (16 November 2017). «Former FBI director represented Russian firm at center of major money-laundering probe». Business Insider. Retrieved 25 January 2021.
- ^ «Louis J. Freeh, September 1, 1993 — June 25, 2001». FBI website. Retrieved 25 January 2021.
- ^ Unger 2018, p. 219.
- ^ Hofheinz, Darrell (30 March 2018). «Deed: Ex-FBI head Louis Freeh linked to $9.38M home purchase». Palm Beach Daily News. Retrieved 25 January 2021.
- ^ «Греф ответил на обвинения в рейдерском захвате «Павловскгранита»«. Interfax.ru (in Russian). Retrieved 17 May 2022.
- ^ «Бывший владелец «Павловскгранита» Сергей Пойманов проиграл в суде США». Ведомости (in Russian). Retrieved 17 May 2022.
- ^ «Воронежский бизнесмен Сергей Пойманов арестован после обвинения в злоупотреблении на 930 млн рублей». De Facto (in Russian). Retrieved 17 May 2022.
- ^ «НБУ подтвердил отсутствие нарушений в деятельности «Сбербанка России»«. РБК-Украина. 29 April 2014. Archived from the original on 4 March 2016. Retrieved 11 October 2015.
- ^ a b Talant, Bermet (20 February 2018). «Russian state banks leaving Ukraine because of sanctions, attacks by nationalists». Kyiv Post. Retrieved 26 February 2018.
- ^ Garside, Juliette (4 March 2019). «Q&A: what is the ‘Troika Laundromat’ and how did it work?». The Guardian. Retrieved 23 November 2019.
- ^ «The Troika Laundromat». OCCRP. Retrieved 23 November 2019.
- ^ «Russian Troika Dialog bank investigation reveals offshore money laundering scheme». bne IntelliNews. 6 March 2019. Retrieved 23 November 2019.
- ^ O’Conner, Colin (4 March 2019). «The Troika Laundromat: Five Quick Takeaways». RFE/RL. Retrieved 23 November 2019.
- ^ Times, The Moscow (3 October 2019). «Sberbank Hit by Huge Data Breach». The Moscow Times. Retrieved 7 March 2022.
- ^ Ljubas, Zdravko. «Russia: Huge Data Leak Hits Sberbank». www.occrp.org. Retrieved 7 March 2022.
External links[edit]
- Official website
- Sberbank BIC Codes
Необходимые реквизиты Сбербанка на английском языке для валютных переводов
В Сбербанке предусмотрены международные транзакции для людей, которым необходимо доставить деньги в другую страну. Сумму можно отправить наличными или с карты. Для этого необходимо выбрать понравившуюся систему перевода и заполнить реквизиты Сбербанка на английском языке.
Валютные переводы можно осуществить кодом межбанковской концепции передачи информации и проведения платежей SWIFT. Сообщество обрабатывает полмиллиона транзакций в день. С компанией работают более 7 тысяч финансовых организаций в 190 странах мира.
Комиссия за использование системы составляет $15 или 50 руб. минимум. Это намного ниже, чем у WESTERN UNION или MoneyGram. Главное, чтобы банк получателя тоже был подключен к этой системе. Если указать неправильный шифр, отправленные деньги могут не дойти до адресата.
Состоит SWIFT-код из сочетания 8-11 знаков, где:
- 1 — 4 символы определяют банковский код;
- 5 — 6 идентифицируют страну;
- 7 — 8 город.
Оставшиеся буквы указывают номер банковского филиала.
Что нужно сделать, чтобы отправить деньги SWIFT-переводом физическим лицам:
- Прийти в отделение Сбербанка с паспортом. С собой взять номер счета получателя, его реквизиты, данные банка (SWIFT-комбинация).
- Передать данные оператору для оформления транзакции.
- Внести отправляемую сумму и комиссионный сбор.
Преимущества использования системы:
- большое количество принимаемых валют;
- отсутствие ограничений по максимальной сумме;
- возможны и обратные переводы из-за границы;
- возможность отменить перевод.
Международные реквизиты Сбербанка
Полное наименование Сбербанка на английском языке — Public joint stock company «Sberbank of Russia», сокращенное — PAO Sberbank. SWIFT-код — SABRRUMM. Юридический адрес Сбербанка: 19 Vavilova St., 117997 Moscow, Russia.
Для валютных переводов необходимо указывать следующие реквизиты и SWIFT-коды:
- В финансовую организацию-корреспондента получателя при транзакциях в €: DEUTDEFF (Deutsche-Bank-AG, Frankfurt-am-Main).
- Транзакция денежных средств в долларовый банк (USA): IRVTUS3N (The Bank-of-New-York-Mellon, New-York).
- Банк лица, которому предназначен платеж (бенефициара): SABRRUMM (SBERBANK, MOSCOW).
- Адресат-бенефициар: номер счета (20 чисел), ФИО, серия и номер паспорта, адрес прописки, место жительства, страна.
Кроме рублей, долларов и евро, разрешается получить сумму в таких валютах:
- фунты стерлингов;
- юани;
- йены;
- франки.
Если возникли проблемы при переводе денег за рубеж, можно позвонить сотрудникам технической поддержки ПАО «Сбербанк». Номер телефона: 8 (800) 555-55-50, звонок по России бесплатный.
SAMARA, RUSSIA — APRIL 8, 2014: Photo of VISA and Mastercard credit card with russian rubles
Для звонков из Москвы и из-за границы воспользуйтесь номером телефона: +7 (495) 500-55-50.
На основании Вашего запроса эти примеры могут содержать грубую лексику.
На основании Вашего запроса эти примеры могут содержать разговорную лексику.
Перевод «Сбербанк» на английский
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Sberbank
Savings Bank
savings bank
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Good Finance
SBI
Swedbank
ABC banking
Предложения
Сбербанк начал собирать лица и голоса гражда…
«Sberbank» has started to collect scans of faces and voices of…
О намерении обанкротить предприятие также заявлял Сбербанк.
Previously, its intention to bankrupt the company also reported Sberbank of Russia.
Сейчас возможности суперкомпьютера тестируют Сбербанк и клиенты облачной платформы SberCloud.
Now the possibility of a supercomputer to test the savings Bank and the customers of the cloud platform SberCloud.
Он будет осуществлять стратегическое руководство технологической функцией Группы Сбербанк…
In this position, he will carry out strategic management of Sberbank Group’s technology functions.
Сбербанк предложил своим клиентам новую услугу.
Sberbank has pleased its customers a new promotion.
Сбербанк предоставляет своим клиентам возможность оформления займа в режиме онлайн.
Sberbank offers its clients the opportunity to make a loan online home loan.
Сбербанк высоко ценит доверие своих акционеров.
Sberbank highly appreciates the trust of its shareholders.
Сбербанк стремится занять проактивную позицию в вопросах совершенствования законодательного регулирования.
Sberbank seeks to adopt a proactive position when it comes to improving legislative regulation.
75% таких кредитов выдает государственный «Сбербанк».
75% of these loans are issued by the state «Sberbank«.
Следуя букве закона, Сбербанк немедленно раскрывали этот факт.
Following the letter of the law, Sberbank immediately disclosed this fact.
Помимо этого, в дальнейшем Сбербанк планирует использовать суперкомпьютер для улучшения сервисов своей экосистемы.
In addition, in the future Sberbank plans to use the supercomputer to improve the services of their ecosystem.
Сбербанк потребовал от гражданина документы, которые бы подтверждали происхождение денег.
Sberbank demanded from the citizen of the documents that would confirm the origin of the money.
Сбербанк предложил создать национальный центр кибербезопасности — «куратора» существующих институтов в сфере информационной безопасности.
Sberbank proposed to create a national cybersecurity center — «curator» of the existing institutions in the field of information security.
В 2016 году Сбербанк впервые получил независимую оценку качества корпоративного управления.
In 2016, Sberbank for the first time received an independent assessment of its corporate governance quality.
Наша цель — сделать Сбербанк одной из лучших финансовых и технологических компаний в мире.
Our goal is to make Sberbank one of the best finance and technology companies in the world.
Крупнейший банк страны — Сбербанк — сегодня ассоциируется с самыми актуальными тенденциями цифровой экономики.
The largest state bank in the country, Sberbank, today is associated with the most relevant trends in the digital economy.
Если Сбербанк заработает триллион, бюджет получит 250 миллиардов рублей.
If Sberbank earns a trillion, the budget will receive 250 billion rubles.
Но с 01.03.2013 года Сбербанк прекратил любые операции с дорожными чеками.
But 01.03.2013 of the year, Sberbank has stopped any operations with traveller’s cheques.
Как я уже говорил, Сбербанк активно финансирует ключевые секторы экономики.
As I said before, Sberbank is actively funding key sectors of our economy.
«Сбербанк не комментирует операции своих клиентов.
Sberbank does not comment on the operations of its customers.
Предложения, которые содержат Сбербанк
Результатов: 4241. Точных совпадений: 4241. Затраченное время: 76 мс
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Индекс слова: 1-300, 301-600, 601-900
Индекс выражения: 1-400, 401-800, 801-1200
Индекс фразы: 1-400, 401-800, 801-1200