Acronyms
A.Ş. – Anonim Sirketi (turkish)
ACRA – analytical credit rating agency
ADR – American depositary receipt
ADR – American depositary receipt
AG – joint stock company (german – Aktiengesellschaft)
API – Application programming interface
AS – automated system
BA – Bachelor of Arts
Bank of Russia – the Central Bank of the Russian Federation
BDSP 18+ – Business development support platform (18+)
BS – Bachelor of Science
CIB – corporate investment block that operates under the brand Sberbank CIB since October 8, 2012
CIR – Cоst-to-Income
CJSC – closed joint stock company
CPI – compulsory pension insurance
CRM – customer relationship management
CSC – corporate solutions center
CSI – customer satisfaction index
D&O – directors and officers
DAU – daily active users in digital channels
DAU/MAU – the ratio of the number of daily active users to monthly active users in digital channels
DCM – debt capital market
DevOps – development and operations
DPC – data processing center
ECM – equity capital market
ESIA – Russian information system that allows users (individual applicants and government officials) authorized access to information contained in government information systems and other information systems.
ESG – environment, social, corporate governance
FATCA/CRS – Foreign account tax compliance act/ Common reporting standard
FCR – First Contact Resolution
G20 – the Group of Twenty
GDP – gross domestic product
GDR – global depositary receipt
GRI – Global Reporting Initiative
HR – human resources
IFRS – International Financial Reporting Standard
IMF – International Monetary Fund
IPO – initial public offering
IRB – internal-ratings-based approach
ISD – internal structural divisions
ISO 20022 – International standard for electronic communication between financial institutions
ISO 26000 – International standard “Guidance on social responsibility”
ISO 37001 – International standard "Anti-bribery management system"
ISO/IEC 27001 – International standard “Information security management”
IT – Information technologies
IVR – interactive voice response system
JSC – joint stock company
LEED – Leadership in Energy and Environmental Design
LLC – limited liability company
M&A – mergers and acquisitions
M.Sc – Master of Science
MAU – monthly active users in digital channels
MBA – Master of Business Administration
MIF – mutual investment fund
MTN – medium-term note issue program
NCGR – national corporate governance rating
NIM – net interest margin
NPS – net promoter score
NRU HSE – National research university Higher School of Economics
OECD – Organization for Economic Cooperation and Development
OFZs – federal loan bonds
OJSC – open joint stock company
Ph.D. – Doctor of Philosophy
PJSC – public joint stock company
POS – point of sale
PPC – private pension coverage
PPF – private pension fund
Repo – security purchase transaction with an obligation to sell it back after a certain period at a price fixed in this agreement.
ROA – return on assets
ROE – return on equity
SB – subsidiary bank
SBE – Sberbank Europe
SMEB – Unified Interagency Electronic Interaction System.
UFS – unified front-end system
UN – the United Nations
URCCP – unified retail and corporate client profile
USL – unified semantic layer
VaR – Value at Risk
VHI – voluntary health insurance
xBRL – eXtensible business reporting language