Sberbank as one of the largest banks in Europe is the largest bank Russian Federation and the CIS. At the end of 2011, its assets amount to more than a quarter banking system countries (26.8%), and the share in the banking capital is at the level of 29.1%. Founded in 1841, Sberbank of Russia today is modern universal bank satisfying the needs different groups clients in a wide range banking services... SB has the largest share in the deposit market and is the main creditor Russian economy... Attracting funds from various clients and ensuring their safety is the basis of Sberbank's business, and the development of mutually beneficial relationships with depositors is the key to its successful work.
Full name open joint-stock company"Sberbank of Russia". In addition, in business practice, including in internal documents and forms, abbreviations are often used such as:
- · SB RF, SBRF - Sberbank of Russia.
- CA - Central office Sberbank.
- · OSB - branch of Sberbank.
- · OSBM - branches of Sberbank of Russia in Moscow, including additional offices.
- · VSP - an internal structural division of Sberbank.
- · OPERO - Operations department (OPERO) of Sberbank.
- · OPERU - Operations management of Sberbank.
- OKVU - Operating cash desk Sberbank's out-of-box office.
- · ETZ - a single tariff zone - the service area of one branch of Sberbank of Russia or one city, within which transactions are performed.
- US - a self-service device - an ATM, an information and payment terminal - an electronic software and hardware complex designed to perform cash withdrawal (acceptance) operations without the participation of a Bank employee Money, including using payment cards, transmission of the client's orders for the transfer of funds, with bank account client, etc.
- · UCO - remote service channels (system "Sberbank OnL @ yn", US, MB - " Mobile bank»).
- · ROC - cashier of a structural unit of Sberbank of Russia.
- · DO - Additional office - a universal internal structural subdivision of a Sberbank branch located outside its location.
- · Branch - an internal structural unit, organizationally subordinate to the branch of Sberbank.
- · TB - Territorial Bank; Operations department (department) of the territorial bank of Sberbank of Russia; additional offices that are organizationally subordinate to the territorial bank of Sberbank of Russia.
- · OSB TB - branches of Sberbank of Russia, including additional offices, organizationally subordinate to the territorial bank of Sberbank of Russia.
- · GOSB - Head office of Sberbank; Operations management (department) of the head office of Sberbank of Russia; additional offices that are organizationally subordinate to the head office of Sberbank of Russia.
GOSB is an element of management in the structure of Sberbank, which is a subordinate subdivision of a territorial bank, responsible for business at the level of a constituent entity of the Russian Federation.
- · OSB GOSB - branches of Sberbank of Russia, including additional offices that are organizationally subordinate to the head office of Sberbank of Russia.
- · NCC - Central Communication Center (located in the building of the Bank at Vavilova str., 19).
- · RUS - Reserve Communication Center (located in the building of the Central Branch of Sberbank of Russia in Moscow, B. Andronievskaya St., 6).
- UIIADB - Department of Informatics and Automation banking works Sberbank.
- · DKP - Sberbank HR Policy Department; personnel service of the bank branches.
- · PD - Legal Department of Sberbank; legal service branches of the bank.
- · KKI - Committee for settlement of conflict of interests of Sberbank.
- · OKII - Sberbank insider information control department.
- · SBOL - Sberbank OnL @ yn (Sberbank-Online, Internet Bank of Sberbank; earlier - "Electronic Savings Bank").
CSKO - Customer Operations Support Center.
The history of Sberbank of Russia begins with the personal decree of Tsar Nicholas from 1841 on the establishment of savings banks, the first of which opened in St. Petersburg in 1842. A century and a half later - in 1987 - on the basis of state labor savings banks, a specialized Bank for labor savings and lending to the population - Sberbank of the USSR, was created, which also served legal entities. The Sberbank of the USSR included 15 republican banks, including the Russian Republican Bank.
In July 1990, by a resolution of the Supreme Soviet of the RSFSR, the Russian Republican Bank of Sberbank of the USSR was declared the property of the RSFSR. In December 1990, it was transformed into a joint stock company commercial Bank legally incorporated on general meeting shareholders on March 22, 1991. In 1991, Sberbank became the property of the Central Bank of the Russian Federation and was registered as a Joint Stock Commercial Savings bank Russian Federation (Sberbank of Russia) ".
Sberbank to this day is the favorite brainchild of the Bank of Russia, which owns over 57% of the shares. Largely thanks to the support of the Bank of Russia and an increase in fees for settlement service, Sberbank managed to withstand the default on GKO-OFZ 1998 (at that time, the share of government debt in the assets of Sberbank was 52%, and loan portfolio accounted for only 21% of net assets).
As a result of the recent IPO, institutional investors got 33% of the shares, while individuals - 5%. In total, the bank has 200 thousand shareholders. It accounts for 26% of the assets of the Russian banking system and 51.5% of deposits individuals... This is the only bank that the Central Bank controls not only as a regulator, but also as a shareholder owning 57.6% of its shares. Since October 2007, Sberbank has been headed by former minister economic development German Gref, who, in particular, is going to make the bank's loans more accessible to the population.
Authorized capital and shares of the bank.
The authorized capital of Sberbank is 1 billion rubles and is divided into 19 million ordinary shares with a par value of 50 rubles and 50 million preferred shares with a par value of 1 ruble. According to the bank's charter minimum size dividends on preferred shares is 15% of their face value, ie 15 kopecks. per share.
Foreign investors can purchase Sberbank shares only with the permission of the Central Bank. However, these restrictions are easily circumvented through the use of non-resident subsidiaries registered in Russia. Nevertheless, restrictions on the acquisition of Sberbank shares by non-residents significantly reduce their liquidity. It is expected that in the near future the restrictions on the ownership of shares in the bank by non-residents will be lifted. Perhaps, after the liberalization of the circulation regime for Sberbank shares, ADR programs will be launched, which will also help to increase the liquidity of the bank's securities. Currently foreign investors owns about 15% of the shares of Sberbank.
The largest shareholder of Sberbank is the Bank of Russia, whose share in the authorized capital is 60.57%. In the foreseeable future, the reduction or withdrawal of the Central Bank from the capital of Sberbank is not expected. As of October 1, 2003, the number of the bank's shareholders reached 203,728.
Organizational structure of Sberbank of Russia.
Sberbank of Russia is a legal entity with its branches (territorial banks and branches) and their internal structural units is unified system Sberbank of Russia.
The branch network of Sberbank of Russia is located throughout the country. As of January 24, 2001, the network of Sberbank of Russia consisted of 17 regional banks, 1511 branches, 20,250 internal structural divisions.
Branches of Sberbank of Russia are not endowed with rights legal entities and act on the basis of the Regulations approved by the Management Board of Sberbank of Russia, have a balance sheet that is included in the balance sheet of Sberbank of Russia, have the symbols of Sberbank of Russia.
Internal Money transfers through Sberbank of Russia can be performed in one of several ways, each of which has its own conditions.
Regular transfers
With a regular transfer in Sberbank, funds are transferred in cash and can be issued in cash, as well as credited to an account or card. All operations are carried out in the branches of the Bank.
The currency of transfers is Russian rubles... There are restrictions on the maximum amount of funds transferred. In particular, for persons who are residents of Russia, this amount is equal to the amount equivalent to 5,000 US dollars, and for persons who are not residents of Russia, the amount is equivalent to 10,000 dollars.
Tariffs applicable to the execution of transfer operations are set depending on the method of receiving money and location. credit institution where the addressee should receive them.
Please note that funds can be credited to the recipient's card issued by another credit institution only if this card belongs to payment system"MasterCard".
The transferred money is credited to the recipient's card in Sberbank free of charge on all cards, with the exception of Maestro, Maestro "Momentum", Maestro "Student" or "Social", or "Transport", Visa Electron "Momentum", as well as PRO100 Standard, where the commission is 0.75% of the transfer amount.
The transfer operation is performed before the expiration of two working days for cash withdrawal and within one working day for crediting to the account.
A cash transfer made when contacting an employee of the Bank can be canceled by the sender until the recipients' funds are claimed. For this service, a fee of 150 rubles is charged.
Urgent translations
Transfers within the country in Sberbank can be both regular and urgent. Currently in urgent order translations of "Hummingbird" are in progress.
The operation is performed with cash that is handed out to the recipient at the branch of the credit institution.
The currency of the transfer is Russian rubles, and maximum size the amount transferred is 500,000 rubles.
Tariffs are equal to 1.75% of the transferred amount, but cannot be less than 150 rubles and more than 3,000 rubles.
The term of the transaction does not exceed 10 minutes for transfers between the Moscow Bank, Volgo-Vyatka Bank, Far Eastern Bank, Volga Bank, Northern Bank, Central Russian Bank, North Caucasian Bank, Siberian Bank, Ural Bank, Central Chernozem Bank, South-West Bank. Transfer between other credit institutions is carried out within 1 hour.
The transfer can be revoked by the sender until the recipient calls for the funds. For using this feature, a fee of 150 rubles is charged.
Users this service provided additional opportunity in the form of free SMS-informing about the status of the operation.
Internal transfers from the account
Transfer from the account is performed in cashless form by debiting funds from the sender's account, and the recipient can receive money in cash, as well as credited to his account or card.
The transfer can be made at a branch of the Bank or, when funds are credited to the account, through the Sberbank Online system.
Money is transferred in rubles or foreign currency(US dollars, euros and others), and their size may not exceed the amount equivalent to 5000 US dollars for persons who are residents of Russia.
Tariffs are set depending on the currency of the transfer, the method of issuing funds and the location of the credit institution in which they are to be issued.
The translation is carried out within a period not exceeding two working days.
The possibility of canceling the operation is not provided. If you need a refund, you should contact the recipient.
Internal transfers from the card
Transfer from the sender's card is performed by debiting funds from the account assigned to the card. Funds are not issued in cash, but credited to the recipient's account or card. The transferred amount can be credited to an account at a branch of the Bank or through the "Sberbank Online @ yn" system, and crediting to the card is possible at a bank branch, through self-service devices of Sberbank, as well as using the services "Mobile Bank" or "Sberbank Online @ yn" ...
Money can be transferred in rubles or foreign currency.
When calculating tariffs, the transfer currency, the territory of the operation, the location of the recipient's credit institution and the method of issue are taken into account.
The operation is performed within a period of several minutes to one working day.
Refunds are not available. If such a need arises, you should contact the recipient.
Summary
Citizens located in different regions of the country are provided with ample opportunities to transfer funds in cash or cashless way, which can be issued to the recipient in cash, as well as credited to his account or card. Acceptable fees are charged for the transaction, some types of transfers are free. In some cases, a refund is possible.
The brokerage house under the Sberbank CIB brand began its existence in 2012. Its activities are aimed at the development of investment and corporate business... The company has wide experience in:
- Providing customers with deferrals for payments for purchased goods, thereby participating in the trade finance process.
- Development of the documentary business.
- Operations for the sale of securities.
- Investment banking services.
Provision of services and work with banking products passes through PJSC Sberbank.
Working with financial institutions, major corporations, federal and sub-federal government bodies, the broker provides integrated financial solutions and periodically acts as a financial advisor. In other words, Sberbank CIB is largest company whose profile is focused on asset management.
Since the CIB has a huge scale and a large volume of customers (about 5.7 thousand organizations are serviced), the decision was clear structure company.
PJSC Sberbank is engaged in structural and project financing, syndicated lending to holdings and conglomerates, operates in investment and global markets.
The processes of restructuring, increasing the volume of business and capital, in particular at the micro and macro levels, mezzanine financing, acting as a financial advisor, lie with the Investment Department.
In addition, the Department of Publishing:
- advises leading foreign and Russian companies;
- restructures the business;
- conducts mergers and acquisitions of companies.
The next structural unit is the Global Markets Department. He is entrusted with service operations at a profitable placement of securities(tools derivatives market, stocks, bonds), the conclusion of contracts for raw materials, foreign exchange transactions.
The Department of Global Markets also carries out:
- development financial strategies to optimize the value of funds;
- Management of risks.
Sberbank Investment Research is responsible for analytical business support in the stock and bond market, macroeconomic and strategic market research, in-depth analysis of the functioning of Russian companies and the provision of an independent opinion.
Who can service in the bank?
Both individuals and legal entities can become clients of Sberbank CIB. For servicing in the bank, the interested person needs to arrange a meeting with the manager of the customer service department and submit the necessary documents in the future.
It is worth noting that the package of documents for concluding an agreement on opening an account for legal entities and individuals, residents and non-residents, has its own differences. You can get acquainted with it on the official website sberbank-cib.ru. This requires:
QUIK connection procedure
Participation in online trading allows you to quickly and conveniently carry out operations with securities ... Transactions are made in real time on the stock and derivatives markets.
By connecting the QUIK or webQUIK system using a browser on a PC or laptop, the client can participate in trading, market information, and deep technical analysis.
To install and register in the system, a private person must:
- Download and install QUIK software on a PC or laptop or go to the official webQUIK website.
- In the dialog box that appears, specify the code of the agreement contained in the notification and the mobile number.
- Wait for SMS with the password generated by the system.
- Launch the application, enter the login (contract code) and password on the authorization page.
Service rates
Insofar as brokerage commission for the execution of the Transaction Order is periodically changed, and Sberbank CIB takes care of reliable information of its clients, on the official website of the bank always is present and a PDF document with tariffs is available for review.
To view it you need:
To become a client of Sberbank KIB means to become a successful participant in the investment market and receive guaranteed income and capital increase thanks to the assistance of high-class professionals.
