About the Bank
Public joint-stock company"SEVERGAZBANK" (PJSC "BANK SGB") was founded in Vologda in 1994. Bank is registered The Central Bank Russian Federation April 29, 1994 under number 2816. SEVERGAZBANK - universal commercial Bank providing a wide range of services for individuals, corporate clients and state structures... The bank serves more than 500 thousand individuals and 20 thousand legal entities.
The bank's branch network operates in 11 regions: Vologda, Arkhangelsk, Novgorod, Yaroslavl, Ivanovo, Volgograd and Saratov regions, the Komi Republic, St. Petersburg, Moscow and Norilsk. The bank has a network of over 400 ATMs and payment terminals. At the end of 2018, the bank's capital was 4 billion rubles, the bank's assets - 53.8 billion rubles.
One of the owners of the bank is NPF GAZFOND JSC pension savings».
Positions of SEVERGAZBANK:
Top-100 largest banks by assets / banki.ru, Interfax - Center economic analysis/ as of 31.12.2018
Top 100 most reliable banks / Forbes magazine / 2018, 2019
Top 30 by volume mortgage lending/ Expert RA / 2018
Top-30 by the volume of loans issued to small and medium-sized businesses / Expert RA / 1st half of 2018
Top-10 by the number of guarantees provided to small and medium-sized businesses under 44-FZ / "Multitender" / 2017
Recognition and awards:
- "Best regional bank of the Year ", competition" Financial Elite of Russia "/ 2017, 2018
- « Best bank projects of public-private partnership in the field of transport infrastructure "at the Investor Awards competition of the Securities Market magazine (for participation in the project of launching a high-speed tram service in St. Petersburg together with a strategic partner MC" Leader ") / 2017
Winner in the "Affordable Mortgage" nomination at the XIV International Prize in Economics and Finance. P.A. Stolypin magazine "Banking" / 2018
- "The Best Bank for Seniors 2018" according to the "National Banking Journal"
- "The best banking program for small and medium-sized businesses" at the "Silver Mercury" competition of the Vologda Chamber of Commerce and Industry of the Russian Federation
- "The best newspaper for clients" at the Russian corporate media competition "Medialider-2018" (newspaper financial literacy"About finance and not only")
Separate subdivisions of the Bank:
1. St. Petersburg branch "BANK SGB"
Address / location: 198095, St. Petersburg, Marshal Govorov street, building 35, letter A, room 2H
15.06.2004
2. Moscow branch "BANK SGB"
Address / location: 121069, Moscow, Sadovaya-Kudrinskaya st., 2/62, building 4
Date of entry into the book state registration credit institutions: 06.09.2012
3. Representative office of "BANK SGB" in Norilsk
Address / location: 663302, Krasnoyarsk region, Norilsk, Central district, st. Zavenyagina, 6, building 2, pom. 160
Opening date: 25.12.2015
Name history
1994 to 1997 The bank was called the Closed Joint-Stock Company Joint-Stock Commercial Bank MARSBANK.
Decision of the annual general meeting shareholders dated May 16, 1997, the Bank was renamed into the Closed Joint Stock Company Commercial Bank for the Development of the Gas Industry of the North "SEVERGAZBANK" (license of the Central Bank of the Russian Federation No. 2816 dated 01.08.03).
In connection with the change in the type of joint-stock company from April 2, 1999, the full name of the Bank was changed to Open Joint-Stock Company Commercial Bank for the Development of the Gas Industry of the North "SEVERGAZBANK" (License of the Central Bank of the Russian Federation No. 2816 dated 01.08.03)
On August 26, 2002, a certificate was received on making an entry about the bank in the unified state register of legal entities under the main state registration number 1023500000160.
Since November 8, 2012, by the decision of the Annual General Meeting of Shareholders, the Bank bears the corporate name of OJSC BANK SGB.
In order to bring the name and constituent documents of the Bank in accordance with the norms of Chapter 4 Civil Code Russian Federation since May 22, 2015 the name of the Bank has been changed to PJSC BANK SGB.
By the decision of the sole shareholder No. 15 dated November 10, 2016, the full name of the bank was changed.
On December 23, 2016, an entry was made to the Unified State Register of Legal Entities on the registration of changes to the bank's charter with a new full name.
Full corporate name of the bank in Russian - Public Joint Stock Company "SEVERGASBANK".
The abbreviated corporate name of the bank in Russian remained the same - PJSC BANK SGB.
The full corporate name of the bank in English is Public Joint-Stock Company "SEVERGAZBANK".
The abbreviated corporate name of the bank in English is “BANK SGB” PJSC.
Bank auditor - KPMG JSC
Registration number: 2816
Date of registration by the Bank of Russia: 29.04.1994
BIK: 041909786
Main state registration number: 1023500000160 (26.08.2002)
Authorized capital: RUB 661,215,300
License (date of issue / last replacement) Banks with a basic license are banks that have a license, the name of which contains the word “basic”. All other operating banks are banks with a universal license:
License to attract deposits and place precious metals (01/13/2017)
General license to exercise banking operations (13.01.2017)
Licenses
Participation in the deposit insurance system: Yes
Severgazbank in Moscow offers a wide range of services. On our website you can find out where to open a deposit, place credit card... Separately, there is information on loans and addresses of Severgazbank branches in Moscow.
For those who have not yet decided on the bank, we suggest comparing the rating with other popular institutions in terms of assets, loans, assets and deposits. Using the service, you can find out where the nearest ATMs of Severgazbank are located in Moscow. Users can also choose a branch that offers a range of services for servicing legal entities.
(sorted in descending order of publication date)Information obtained by the Bank of Russia in the course of inspections of credit institutions and non-bank financial institutions, as well as information on the results of such inspections
On January 27, 2020, a scheduled thematic audit of the credit institution PJSC BANK SGB (registration number of the credit institution 2816) was completed (160001 Vologda, Blagoveshchenskaya st., 3). The results of the audit can be used when the Bank of Russia makes a decision in relation to a credit institution as provided for by the legislation of the Russian Federation. Date of publication: 28.01.2020 18:50:31Message on the Central Bank website: Link On November 23, 2017, a scheduled thematic audit of the credit organization BANK SGB PJSC (registration number of the credit organization 2816) (160001 Vologda, Blagoveshchenskaya st., 3) was completed. The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions provided for by the legislation of the Russian Federation.
Date of publication: 24.11.2017 16:12:05
Message on the Central Bank website: Link
Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections
On April 29, 2016, a scheduled thematic audit of the credit organization PJSC BANK SGB (registration number of the credit organization 2816) was completed (160001 Vologda, Blagoveshchenskaya street, 3). The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions provided for by the legislation of the Russian Federation.Publication date: 05/04/2016 17:30:25
Message on the Central Bank website: Link
Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections
02.02.2016 the scheduled thematic audit of the credit organization PJSC "BANK SGB" (registration number of the credit organization 2816) (160001 Vologda, Blagoveshchenskaya st., 3) was completed. The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions provided for by the legislation of the Russian Federation.Publication date: 03.02.2016 17:46:01
Message on the Central Bank website: Link
Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections
On January 25, 2016, a scheduled thematic audit of the branch of the credit institution PJSC "BANK SGB" - Arkhangelsk (registration number of the credit institution 2816, serial number of the branch 15) was completed (163000, Arkhangelsk, Novgorodsky avenue, 91). The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions provided for by the legislation of the Russian Federation.Publication date: 26.01.2016 17:39:52
Message on the Central Bank website: Link
Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections
On January 25, 2016, a scheduled thematic audit of the branch of the credit institution PJSC "BANK SGB" - Syktyvkarskiy was completed (registration number of the credit institution is 2816, the serial number of the branch is 9) (167000, Republic of Komi, Syktyvkar, Pervomayskaya st., 92). The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions provided for by the legislation of the Russian Federation.Publication date: 25.01.2016 17:32:29
Message on the Central Bank website: Link
Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections
On December 26, 2013, a scheduled thematic audit of the credit organization BANK SGB OJSC (registration number of the credit organization 2816) (160001 Vologda, Blagoveshchenskaya st., 3) was completed. The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions provided for by the legislation of the Russian Federation. Date of publication: 17.01.2014 16:49:07Message on the Central Bank website: Link
Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections
12/06/2013 the scheduled thematic inspection of the branch of the credit institution OJSC "BANK SGB" - Ukhtinsky (registration number of the credit institution 2816, serial number of the branch 16) was completed (169300, Republic of Komi, Ukhta, Lenin Ave., 26-b) ... The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions provided for by the legislation of the Russian Federation. Publication date: 18.12.2013 17:52:23Message on the Central Bank website: Link
Information received by the Bank of Russia in the course of inspections carried out, as well as information on the results of such inspections
On December 10, 2012, a scheduled comprehensive audit of the credit organization BANK SGB OJSC (registration number of the credit organization 2816) was completed (160001 Vologda, Blagoveshchenskaya street, 3). The results of inspections will be taken into account by the Bank of Russia when exercising banking supervision over a credit institution, including when the Bank of Russia makes decisions stipulated by the legislation of the Russian Federation. Date of publication: 28.12.2012 17:43:46The message on the website of the Central Bank:
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01 February 2020 01 January 2020 01 December 2019 01 November 2019 01 October 2019 01 September 2019 01 August 2019 01 July 2019 01 June 2019 01 May 2019 01 April 2019 01 March 2019 01 February 2019 01 January 2019 01 December 2018 01 November 2018 01 October 2018 01 September 2018 01 August 2018 01 July 2018 01 June 2018 01 May 2018 01 April 2018 01 March 2018 01 February 2018 01 January 2018 01 December 2017 01 November 2017 01 October 2017 01 September 2017 01 August 2017 01 July 2017 01 June 2017 01 May 2017 01 April 2017 01 March 2017 01 February 2017 01 January 2017 01 December 2016 01 November 2016 01 October 2016 01 September 2016 01 August 2016 01 July 2016 01 June 2016 01 May 2016 01 April 2016 01 March 2016 01 February 2016 01 January 2016 01 December 2015 01 November 2015 01 October 2015 01 September 2015 01 August 2015 01 July 2015 01 June 2015 01 May 2015 01 April 2015 01 March 2015 01 February 2015 01 January 2015 01 December 2014 01 November 2014 01 October 2014 01 September 2014 01 August 2014 01 July 2014 01 June 2014 01 May 2014 01 April 2014 01 March 2014 01 February 2014 01 January 2014 01 December 2013 01 November 2013 01 October 2013 01 September 2013 01 August 2013 01 July 2013 01 June 2013 01 May 2013 01 April 2013 01 March 2013 01 February 2013 01 January 2013 01 December 2012 01 November 2012 01 October 2012 01 September 2012 01 August 2012 01 July 2012 01 June 2012 01 May 2012 01 April 2012 01 March 2012 01 February 2012 01 January 2012 01 December 2011 01 November 2011 01 October 2011 01 September 2011 01 August 2011 01 July 2011 01 June 2011 01 May 2011 01 April 2011 01 March 2011 01 February 2011 01 January 2011 01 December 2010 01 November 2010 01 October 2010 01 September 2010 01 August 2010 01 July 2010 01 June 2010 01 May 2010 01 April 2010 01 March 2010 01 February 2010 01 January 2010 01 December 2009 01 November 2009 01 October 2009 01 September 2009 01 August 2009 01 July 2009 01 June 2009 01 May 2009 01 April 2009 01 March 2009 01 February 2009 01 January 2009 01 December 2008 01 November 2008 01 October 2008 01 September 2008 01 August 2008 01 July 2008 01 June 2008 01 May 2008 01 April 2008 01 March 2008 01 February 2008 01 January 2008 01 December 2007 01 November 2007 01 October 2007 01 September 2007 01 August 2007 01 July 2007 01 June 2007 01 May 2007 01 April 2007 01 March 2007 01 February 2007 01 January 2007 01 December 2006 01 November 2006 01 October 2006 01 September 2006 01 August 2006 01 July 2006 01 June 2006 01 May 2006 01 April 2006 01 March 2006 01 February 2006 01 January 2006 01 December 2005 01 November 2005 01 October 2005 01 September 2005 01 August 2005 01 July 2005 01 June 2005 01 May 2005 01 April 2005 01 March 2005 01 February 2005 01 January 2005 01 December 2004 01 November 2004 01 October 2004 01 September 2004 01 August 2004 01 July 2004 01 June 2004 01 May 2004 01 April 2004 01 March 2004 01 February 2004 |
& nbsp & nbsp & nbsp Select report: |
By the reliability of the bank we mean a set of factors under which the bank is able to fulfill its obligations, to have a sufficient margin of safety at crisis situations, do not violate established by the Bank Russian regulations and laws.
It should be borne in mind that only on the basis of reporting it is impossible to accurately determine the degree of the bank's reliability, therefore, the study below is indicative in nature.
Bank stability is the ability to withstand any external influences. The dynamics for a certain period may show stability (either improvement or deterioration) of various indicators, which may also indicate the stability of the bank.
Public Joint Stock Company "SEVERGASBANK" is large Russian bank and among them ranks 86th in terms of net assets.
As of the reporting date (January 01, 2020), the net assets of BANK SGB bank amounted to 59.87 billion rubles In a year assets increased by 8.02%... Net asset growth negatively influenced the return on assets (ROI): over the year, the net return on assets fell from 1.22% to 0.82% .
For the services provided, the bank is mainly attracts client money, and these funds are sufficient diversified(between legal and individuals), a invests funds mainly in credits.
BANK SGB - has the right to work with non-state pension funds implementing mandatory pension insurance
, and can attract pension savings and savings for housing military personnel; has the right to open accounts and deposits in accordance with Law 213-FZ of July 21, 2014 No.
, i.e. organizations of strategic importance for the military-industrial complex and security of the Russian Federation; v credit organization authorized representatives of the Bank of Russia have been appointed.
Liquidity and reliability
The bank's liquid assets are those bank funds that can be quickly converted into cash to return them to depositors. To assess liquidity, consider a period of about 30 days, during which the bank will be able (or unable) to fulfill some of the financial commitments(since no bank can return all obligations within 30 days). This "portion" is called the "estimated cash outflow". Liquidity can be considered an important component of the concept of bank reliability.
Briefly structure highly liquid assets represent in the form of a table:
| Indicator name | 01 January 2019, thousand rubles | 01 January 2020, thousand rubles | ||
|---|---|---|---|---|
| cash on hand | 1 687 110 | (5.71%) | 1 282 874 | (4.59%) |
| funds on accounts with the Bank of Russia | 1 782 985 | (6.03%) | 1 719 583 | (6.15%) |
| correspondent accounts NOSTRO in banks (net) | 197 939 | (0.67%) | 303 082 | (1.08%) |
| interbank loans placed for up to 30 days | 21 427 896 | (72.51%) | 23 528 319 | (84.12%) |
| highly liquid securities of the Russian Federation | 4 160 781 | (14.08%) | 1 137 389 | (4.07%) |
| highly liquid securities of banks and states | 347 414 | (1.18%) | (0.00%) | |
| highly liquid assets with discounts and adjustments (based on Ordinance No. 3269-U dated 05/31/2014) | 29 552 013 | (100.00%) | 27 971 354 | (100.00%) |
From the table of liquid assets, we see that the amount of funds on accounts with the Bank of Russia has slightly changed, interbank loans placed for a period of up to 30 days, the amounts of NOSTRO correspondent accounts in banks (net) have greatly increased, the amount of funds in cash has decreased, the amount of highly liquid securities has decreased significantly securities of the Russian Federation, highly liquid securities of banks and states, while the volume of highly liquid assets taking into account discounts and adjustments (based on Ordinance No. 3269-U dated May 31, 2014) decreased over the year from 29.55 to 27.97 billion rubles.
Structure current liabilities is given in the following table:
| Indicator name | 01 January 2019, thousand rubles | 01 January 2020, thousand rubles | ||
|---|---|---|---|---|
| deposits of individuals with a maturity of more than a year | 3 975 007 | (9.00%) | 4 957 408 | (10.49%) |
| other deposits of individuals (including individual entrepreneurs) (for up to 1 year) | 14 749 678 | (33.39%) | 12 977 778 | (27.47%) |
| deposits and other funds of legal entities (up to 1 year) | 24 834 873 | (56.22%) | 27 345 964 | (57.89%) |
| incl. current funds of legal entities (without individual entrepreneurs) | 13 424 310 | (30.39%) | 20 152 800 | (42.66%) |
| correspondent accounts of LORO banks | (0.00%) | (0.00%) | ||
| interbank loans received for up to 30 days | (0.00%) | 1 044 841 | (2.21%) | |
| own securities | 1 104 | (0.00%) | 4 000 | (0.01%) |
| liabilities to pay interest, delays, payables and other debts | 611 233 | (1.38%) | 906 415 | (1.92%) |
| expected outflow Money | 12 220 004 | (27.66%) | 14 439 290 | (30.57%) |
| current liabilities | 44 171 895 | (100.00%) | 47 236 406 | (100.00%) |
During the period under review, what happened to the resource base was that the amounts of other deposits of individuals (including individual entrepreneurs) (for a period of up to 1 year), deposits and other funds of legal entities (for a period of up to 1 year), correspondent accounts of LORO banks changed slightly , the amount of deposits of individuals with a maturity of more than a year, liabilities to pay interest, delays, accounts payable and other debts have increased, amounts have greatly increased, incl. current funds of legal entities (without individual entrepreneurs), interbank loans received for up to 30 days, own securities, while the expected cash outflow increased over the year from 12.22 to 14.44 billion rubles.
At the moment in question, the ratio of highly liquid assets (funds that are easily available to the bank within the next month) and the estimated outflow of current liabilities gives us the value 193.72% what says good safety factor to overcome the possible outflow of funds of the bank's clients.
In correlation with this, it is important to consider the standards of instant (H2) and current (N3) liquidity, minimum values which are set at 15% and 50%, respectively. Here we see that the standards for H2 and H3 are now at sufficient level.
Now let's track the dynamics of change liquidity indicators during a year:
According to the median method (rejection of sharp peaks): the sum of the instantaneous liquidity ratio H2 during of the year unstable and tends to significant growth, however, for the last half a year tends to decrease, the amount of the standard current liquidity H3 for of the year tends to grow slightly, but over the last half a year tends to remain practically unchanged, and the bank's expert reliability during of the year tends to decrease, but over the last half a year tends to fall slightly.
Other ratios for assessing the liquidity of the bank of PJSC "BANK SGB" can be seen at this link.
Balance structure and dynamics
The volume of income-generating assets of the bank is 90.40% in the total volume of assets, and the volume of interest-bearing liabilities is 89.16% in the total volume of liabilities. However, the volume of earning assets exceeds average indicator for large Russian banks (84%).
Structure earning assets now and a year ago:
| Indicator name | 01 January 2019, thousand rubles | 01 January 2020, thousand rubles | ||
|---|---|---|---|---|
| Interbank loans | 21 427 896 | (44.33%) | 29 048 319 | (53.67%) |
| Loans to legal entities | 7 109 572 | (14.71%) | 7 937 175 | (14.67%) |
| Loans to individuals | 10 468 343 | (21.66%) | 10 831 068 | (20.01%) |
| Promissory notes | (0.00%) | (0.00%) | ||
| Investments in leasing operations and acquired rights of claim | 2 406 127 | (4.98%) | 2 804 829 | (5.18%) |
| Investments in securities | 6 515 188 | (13.48%) | 3 495 344 | (6.46%) |
| Other income loans | 413 515 | (0.86%) | 4 044 | (0.01%) |
| Earning assets | 48 340 641 | (100.00%) | 54 120 608 | (100.00%) |
We see that the amounts of loans to legal entities, loans to individuals, promissory notes, investments in leasing operations and acquired rights of claim have slightly changed, the amounts of interbank loans have increased, the amounts of investments in securities have significantly decreased, and total amount earning assets increased by 12.0% from 48.34 to 54.12 billion rubles
Analytics for degree of security issued loans, as well as their structure:
| Indicator name | 01 January 2019, thousand rubles | 01 January 2020, thousand rubles | ||
|---|---|---|---|---|
| Securities accepted as collateral for loans issued | 14 714 212 | (66.35%) | 18 266 663 | (46.10%) |
| Property accepted as security | 7 916 949 | (35.70%) | 7 408 108 | (18.70%) |
| Precious metals accepted as collateral | (0.00%) | (0.00%) | ||
| Received guarantees and sureties | 10 774 886 | (48.59%) | 14 034 012 | (35.42%) |
| Loan portfolio amount | 22 175 453 | (100.00%) | 39 625 264 | (100.00%) |
| - incl. loans to legal entities | 4 369 841 | (19.71%) | 6 359 026 | (16.05%) |
| - incl. loans to individuals persons | 10 468 343 | (47.21%) | 10 831 068 | (27.33%) |
| - incl. loans to banks | 1 777 896 | (8.02%) | 18 048 319 | (45.55%) |
Analysis of the table suggests that the bank focuses on diversified lending, the form of which is mixed species securing... Note that the share of the most reliable form of security - the borrower's property (including precious metals and securities) decreased significantly to 64.79%... The overall level of loan security is not high, but sufficient provided that the security is of good quality.
Brief structure interest liabilities(i.e. for which the bank usually pays interest to the client):
| Indicator name | 01 January 2019, thousand rubles | 01 January 2020, thousand rubles | ||
|---|---|---|---|---|
| Bank funds (interbank and correspondent accounts) | (0.00%) | 1 560 841 | (2.92%) | |
| Legal funds persons | 30 148 956 | (61.50%) | 32 374 039 | (60.65%) |
| - incl. current funds of legal entities persons | 13 426 349 | (27.39%) | 20 179 164 | (37.80%) |
| Physical contributions persons | 18 722 646 | (38.19%) | 17 908 822 | (33.55%) |
| Other interest-bearing liabilities | 151 856 | (0.31%) | 1 535 707 | (2.88%) |
| - incl. loans from the Bank of Russia | (0.00%) | 94 632 | (0.18%) | |
| Interest liabilities | 49 023 458 | (100.00%) | 53 379 409 | (100.00%) |
We see that the amounts of funds of legal entities have changed insignificantly. persons, deposits of individuals. persons, the amounts due to banks (interbank loans and correspondent accounts) have greatly increased, and the total amount of interest-bearing liabilities increased by 8.9% from 49.02 to 53.38 billion rubles
The structure of assets and liabilities of the bank of PJSC "BANK SGB" can be considered in more detail.
Profitability
Profitability of sources own funds(calculated from balance sheet data) decreased over the year from 16.85% to 10.68%... At the same time, the return on equity ROE (calculated using forms 102 and 134) decreased over the year from 18.54% to 10.16%(here and below data are given in percentage per annum for the next quarter date).
Net interest margin decreased over the year from 2.92% to 2.05%... The profitability of lending operations decreased over the year from 10.79% to 8.78%... The cost of funds raised has slightly changed over the year from 5.72% to 5.78%... The cost of funds of the population (individuals) has slightly changed over the year With
