Sberbank today
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The Sberbank Group is the largest financial institution in Russia and Central and Eastern Europe.

Sberbank has already been working 176 years on the Russian market, and its brand is solidly associated with reliability and social orientation, and also more and more with innovative technologies used to develop a unique infrastructure and customer interaction channels.

In 2017 Sberbank adopted Strategy 2020, setting as its priorities further improvement of customer experience, technological leadership and development of ecosystem to satisfy majority of clients’ daily needs by offering best financial and non-financial services.

The Sberbank Group in the world
22 countries
151  million clients, including 16.3 million outside of Russia
27.1  RUB trillion in assets
14% share of international operations in the Group
In Russia
28.9% bank assets
46.1% retail deposits
40.5% retail loans
32.4% corporate loans
86.2 million active retail clients
2.1 million active corporate clients
41.2 million salary cards
121.5 million debit cards
56.8 million unique active clients using remote channels
14.3 thousand service points
29% DAU/MAU individuals
48% DAU/MAU corporate
Key highlights
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RUB 748.7 billion Net profit RUB 34.58 EPS (+38.2% y/y) 24.2% ROE 35.2% CIR
Net profit, RUB billion
Earnings per ordinary share (EPS), RUB
Return on equity (ROE), %
Cost income ratio (CIR), %
Achievements
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Global Finance
Best Retail Digital Banking in Russia, Global Finance
Sberbank became the largest acquirer in Europe according to The Nilson Report
Sberbank Online
The Sberbank Online mobile app took fourth place in popularity in the Russian App Store after WhatsApp, VK and Instagram
2017
Sberbank was recognized as best by the prize “Consumer Rights and Service Quality” in the categories: “Most Client-Centric Bank in Russia” and “Digital Security”
The Banker Awards 2017
Sberbank took first place by equity among banks in Central and Eastern Europe according to The Banker magazine
Transparency International Russia
Sberbank took first place in the corporate reporting transparency index among the 200 largest Russian companies according to a study by Transparency International Russia
Group Strategy
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  • With our customers for life
  • Team and corporate culture
  • Technological breakthroughs
  • Financial performance
  • Mature organization
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Customer experience in the financial sphere: expansion and refinement of the product and service line, building individual relationships with each customer, ensuring easy access to services in all channels, optimizing work in physical channels and creating and launching innovative interfaces in digital channels

Construction of an ecosystem of non-financial businesses: offering of additional services in various areas of customers’ lives that are synergistic with financial products.

Reliability and efficiency: ensuring the reliable, stable operation of both existing and new IT systems.

New platform: completion of the migration of customers, products and data to the new platform, which will be based on an innovative cloud infrastructure, with the implementation of DevOps practices and tools.

Security: ensuring the protection of custom data and investment in monitoring tools and the protection of all digital channels, training of employees, customers and partners.

Data-driven company: creation of systems to manage the growing amount of customer data, development of in-house competencies in data processing.

Innovation: creating laboratories for key business technologies, conducting applied research, and integrating new technologies in our products and services.

New competencies: promotion of a new model of competencies, training in new, sought-after skills.

Teams instead of hierarchies: increasing requirements on managers and employees as regards the ability to work in a team, the introduction of new forms of teamwork, creation of an atmosphere of psychological safety.

Corporate culture: development of leadership competencies among managers, incentives for self-development and self-improvement among employees, creation of a clear and personalized path for employee hiring and development, promotion among employees of a culture of continuous development and introduction of new products and services.

Transformation of the HR function: automation and digitization of HR processes, migration to a Success Factors cloud platform, keeping the growth in personnel costs and turnover of key personnel at an acceptable level, new role of HR as a partner focusing on long-term planning to ensure human resources with the necessary skills and raising the effectiveness of teamwork.

Sberbank Equity Story
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We are working to increase earnings per share, ensuring the growth of business value for our shareholders and investors.

Address of the Chairman
of the Supervisory Board
Сергей Михайлович Игнатьев

Despite the continuing uncertainty of the past few years and the significant changes in the external environment, Sberbank has managed to remain on the path toward sustainable development and to implement the key goals of Strategy 2014–2018 ahead of schedule.

Vast experience, modern technologies, corporate culture, and effective corporate governance system would be the most important components of the foundation for Sberbank’s continued successful development.

Address of the CEO and Chairman
of the Executive Board
Герман Греф

In the life of Sberbank, 2017 was an important milestone. We summed up interim results of the transformation we have been pursuing the past 10 years and approved our new strategic priorities.

The IFRS net profit of Sberbank Group for 2017 amounted to RUB 748.7 billion, its profit per ordinary share having grown by 38%. Its return on capital, which crept up to a five-year high last year, having exceeded 24%, made Sberbank the first among the world’s 30 largest banks.

It was the improvement of customer experience, development of new technological solutions, and enhancement of business effectiveness, which enabled the Bank to achieve such results.

Sberbank’s role in achieving the SDGs of “2030 Agenda” set by the UN in 2015

in the document “Transforming Our World: The 2030 Agenda for Sustainable Development”.

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goal 3
Ensure healthy lives and promote well-being
goal 4
Ensure inclusive and equitable quality education and promote lifelong learning opportunities
goal 8
Promote sustained, inclusive and sustainable economic growth, full and productive employment and decent work
goal 9
Build resilient infrastructure, promote inclusive and sustainable industrialization, and foster innovation
goal 12
Ensure sustainable consumption and production patterns
goal 10
Reduce inequality within and among countries
goal 17
Strengthen the means of implementation and active international cooperation for sustainable development