SOCIAL AND HUMANITIES
UDC: 657.6
N. A. Dubinina, E. F. Agabalaeva ANALYSIS OF THE PERFORMANCE RESULTS OF PJSC SBERBANK OF RUSSIA
public joint-stock company Sberbank of Russia is one of the leading credit organizations in Russian Federation. This is achieved through skillful management decisions, an effective management system. Sberbank of Russia is a universal commercial bank that provides its customers with more than 100 different services: services related to raising funds for deposits, lending, settlement and cash services, dealing, intermediary, transactions with stock values, etc. All the main financial indicators that characterize activities of PJSC Sberbank of Russia for reporting year showing steady growth. The analysis carried out allows us to conclude that the financial condition of Sberbank of Russia PJSC can be characterized as stable, and the positions occupied in the banking services market as leading.
Keywords: banks, banking, financial assets, financial stability, liquidity.
Introduction
In the context of the global financial crisis, many companies are losing the leading positions they have occupied for a number of years. This is especially true for organizations in the financial sector, which are currently undergoing significant changes associated with the growth of overdue accounts receivable, a decrease in the financial activity of the population, a tightening of the policy of the Central Bank. In this regard, it is especially important to analyze the performance of those banks that are confidently “keeping afloat”. One of them is PJSC Sberbank of Russia.
The main goal of any commercial bank is to extract maximum profit, subject to the stability of the bank's position and the duration of its activities in the market in the future.
The final financial result of the activities of a commercial bank is profit or loss, its size reflects the result of all types of activities credit institution, all ongoing active and passive operations.
Both themselves are interested in increasing the size of the extracted profit banking organization, and the state, bank owners, customers, counterparties, bank employees. In this regard, all interested parties conduct an analysis of the financial stability of the bank, which characterizes the ability of a credit institution to break even with the timely fulfillment of all its obligations.
Organizational characteristics of PAO"Sberbank of Russia"
Public Joint Stock Company (PJSC) Sberbank of Russia is one of the leading banks not only in Russia, but also in Europe, demonstrating a steady growth in all financial indicators over the years.
According to the organizational structure, PJSC Sberbank of Russia is a joint-stock commercial bank, which was established by the Central Bank of Russia as an open joint-stock company and registered on June 20, 1991. Its capital was formed from the authorized capital, however, the bank has reserve, special and other funds .
Due to its leading positions in the banking system and based on the tasks it solves, Sberbank of Russia PJSC is the founder of a number of other companies. In addition, Sberbank of Russia PJSC is a member of the Moscow Interbank Currency Exchange, the Moscow and St. Petersburg Stock Exchanges, the International Institute of Savings Banks (Switzerland), a number of societies and associations.
Sberbank of Russia is a universal commercial bank that provides its customers with more than 100 various services related to raising funds for deposits, lending, cash management services, rendering dealing services, operations with stock values, intermediary, etc.
The organizational structure of Sberbank of Russia PJSC is shown in fig.
Organizational structure of Sberbank of Russia PJSC
Sberbank of Russia has a wide network of branches, which includes 16 territorial branches, more than 19 thousand offices throughout Russia, as well as subsidiary banks opened abroad.
Evaluation of the main financial results activities of PJSC"Sberbank of Russia"
According to the annual PAO report"Sberbank of Russia", net profit in 2016 amounted to 1,978,748 million rubles, which is 18.4% higher than in 2015, the increase in assets amounted to 19.8% - from 13,581,754 million rubles. in 2015 to RUB 16,275,097 mln. in 2016 (Table 1).
Table 1
Key financial results of PJSC Sberbank of Russia in 2015-2016
---^^^^ Year Financial indicator, mln rub. -- 2015 2016 Change, %
Assets 13,581,754 16,275,097 19.8
Profit before tax 474,709 502,789 5.9
Profit after tax 346,175 377,649 9.1
Capital 1,679,091 1,978,748 18.4
Analysis of indicators balance sheet PJSC "Sberbank of Russia" is presented in table. 2. The assets of PJSC Sberbank of Russia as of January 1, 2017, according to the balance sheet, amounted to 16,275,097,230 thousand rubles. (an increase of 19.83% compared to 2015), the amount of liabilities - 14,339,896,094 thousand rubles. (increase compared to 2015 - 17.18%).
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table 2
Analysis of balance sheet indicators of Sberbank of Russia PJSC
No. Article Data for 2016, thousand rubles Data for 2015, thousand rubles Growth rate, % Absolute change, thousand rubles
1 Cash 717 319 916 725 051 773 -1.07 -7 731 857
2 Due to credit institutions with the Central Bank of the Russian Federation 408,802,599,381,207,927 7.24 27,594,672
2.1 Required reserves 112,129,198,122,373,578 -8.37 -10,244,380
3 Due from credit institutions 94,301,261 81,464,392 15.76 12,836,869
4 Financial assets measured at fair value through profit or loss 144,662,649 101,883,985 41.99 42,778,664
5 Net debt 11,978,006,945 9,772,750,284 22.57 2,205,256,661
6 Net investment in securities and other financial assets available-for-sale 1,744,228,260 1,541,630,850 13.14 202,597,410
6.1 Investments in subsidiaries and affiliates 310,871 192,281 233,360 10.54 29,637,832
7 Net investments in securities held to maturity 403,987,608,361,861,978 11.64 42,125,630
8 Fixed assets, intangible assets and inventories 468,069,623 438,028,479 6.86 30,041,144
9 Other assets 315,718,369,177,874,551 77.49 137,843,818
10 Total assets 16,275,097,230 13,581,754,219 19.83 2,693,343,011
II LIABILITIES
1 Loans, deposits and other funds of the Central Bank of the Russian Federation 1,967,035,549 1,367,973,939 43.79,599,061,610
2 Due to credit institutions 630,459 333,605 450,003 4.13 25,009,330
3 Due to customers other than credit institutions 11,128,035,158 9,462,176,277 17.61 1,665,858,881
4 Debt securities issued 404,518,757 331,891,304 21.88 72,627,453
5 Other liabilities 144,796,061,115,477,162 25.39 29,318,899
6 Provisions for possible losses on contingent liabilities of a credit nature, other possible losses and transactions with residents of offshore zones 31,000,692 21,323,838 45.38 9,676,854
7 Total liabilities 14,339,896,094 11,930,258,071 20.20 2,409,638,023
III SOURCES OF OWN MONEY
1 Funds of shareholders (participants) 67,760,844 67,760,844 0.00 0
2 Share premium 228,054,226 228,054,226 0.00 0
3 Reserve fund 3,527,429 3,527,429 0.00 0
4 Revaluation of securities -7,888,290 26,396,638 -129.88 -34,284,928
5 Revaluation of fixed assets 82,570,859 84,217,444 -1.96 -1,646,585
6 Retained earnings (uncovered losses) of previous years 1,183,526,718,895 365,048 32.18,288,161,670
7 Unused profit (loss) for the reporting period 377,649,350,346,174,519 9.09 31,474,831
8 Total sources of own funds 1,935,201,136 1,651 496,148 17.18 283,704,988
Despite the financial and economic crisis, PJSC Sberbank of Russia manages to maintain its leading positions in all areas banking. In table. Table 3 shows the largest players in the retail lending market as of December 31, 2016.
Table 3
Major Players private customer lending market as of December 31, 2016*
1 Sberbank of Russia 4,069.4 36.2
2 VTB24 1,514.3 13.5
3 Gazprombank 290.0 2.6
4 Rosselkhozbank 269.4 2.4
5 Bank of Moscow 261.6 2.3
6 Alfa-Bank 254.5 2.3
7 Home Credit 216.3 1.9
8 Rosbank 196.1 1.7
9 Raiffeisenbank 181.5 1.6
10 Russian Standard 175.5 1.6
* Compiled according to .
Public Joint Stock Company Sberbank of Russia published its consolidated financial statements in accordance with international standards financial reporting for 2016, containing the report of Ernst & Young LLC, which underwent an independent auditing activities of PJSC Sberbank of Russia:
Value net profit PJSC "Sberbank of Russia" was equal to 222.9 billion rubles. (10.36 rubles per ordinary share);
The bank's return on equity was 10.2%;
Capital adequacy increased throughout the year, the core capital adequacy ratio increased by 30 basis points (up to 8.9%), at the same time, the total capital adequacy ratio increased to 12.6%, with an increase of 50 basis points;
The bank's total loan portfolio before impairment increased by 7.0% in 2016, its main sectors being mortgage lending and commercial loans to legal entities, which grew by 12.5% and 14.9% respectively;
The ratio of the loan portfolio to customer funds amounted to 91.9% against the backdrop of an improvement in the liquidity situation.
An overview of the main financial indicators of Sberbank of Russia PJSC is given in Table. four.
Table 4
Overview of key financial performance indicators of PJSC Sberbank of Russia
Period Indicator " ----^^^ Q4 2016 Q3 2016 Q4 2015 Q4 16/ Q3 16, % Q4 16/ Q4 15 ., % 2016 2015 2016/ 2015, %
Net interest income, billion rubles 297.2 263.4 274.6 12.8 8.2 988.0 1019.7 (3.1)
Net fee and commission income, RUB bn 95.6 81.9 80.2 16.7 19.2 319.0 259.2 23.1
Other income, billion rubles 25.8 22.2 (-3.8) 16.2 - 122.8 21.8 463.3
Revenues, total, billion rubles 418.6 367.5 351.0 13.9 19.3 1429.8 1300.7 9.9
Net expense from creating a provision for impairment of debt financial assets, RUB bn (112.7) (130.1) (106.0) (13.4) 6.3 (475.2) (361.4) 31.5
Operating expenses, billion rubles (191.7) (145.4) (177.0) 31.8 8.3 (623.4) (565.1) 10.3
Net profit, billion rubles 72.6 65.1 49.0 11.5 48.2 222.9 290.3 (23.2)
Earnings per ordinary share, rub. 3.40 3.04 2.32 11.8 46.6 10.36 13.45 (23.0)
Total income for the period, billion rubles 133.7 80.0 6.5 67.1 206 365.8 214.6 70.5
Book value per share, rub. 110.0 103.9 93.6 5.9 17.5 110.0 93.6 17.5
Return on equity, % 12.6 11.8 9.7 0.8 2.9 10.2 14.8 (4.6)
Return on assets, % 1.1 1.1 0.9 - 0.2 0.9 1.4 (0.5)
Net interest margin, % 4.9 4.7 5.4 0.2 (0.5) 4.4 5.6 (1.2)
Cost of risk, % 2.3 2.8 2.4 (0.5) (0.1) 2.5 2.3 0.2
Cost-to-income ratio, % 45.8 39.6 50.4 6.2 (4.6) 43.6 43.4 0.2.
Net interest income of PJSC Sberbank of Russia for the 4th quarter of 2016 amounted to 297.2 billion rubles, an increase of 8.2% compared to the same period in 2015. Net fee and commission income for the 4th quarter of 2016 was 95.6 billion rubles, an increase of 19.2% compared to the fourth quarter of 2015. The share of income from settlement and cash services customers (87.0 billion
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rubles) in the structure of commission income in the fourth quarter was equal to 75.7%. Net expenses for the creation of a provision for impairment of the loan portfolio for the fourth quarter amounted to 112.7 billion rubles. against 106 billion rubles. in the same period of 2015, which corresponds to the value credit risk in the amount of 230 basis points against 240 basis points in 2015 .
Conclusion
Thus, the international ratings of PJSC Sberbank of Russia reflect the authority of the bank in the global banking community as one of the most dynamically and diversified developing Russian banks. This is achieved thanks to the effective management system of the bank, the adoption of competent management decisions, the use of innovative and traditional management tools. The analysis carried out allows us to conclude that the financial condition of Sberbank of Russia PJSC can be characterized as stable, and the position it occupies in the banking services market as a leader.
BIBLIOGRAPHY
1. Blank I. A. Management financial resources. Moscow: Omega-L; Elga, 2011. 768 p.
2. Money, credit, banks: textbook. / ed. G. N. Beloglazova. Moscow: Yurayt, 2014. 620 p.
3. Rose P. S. Banking management: Per. from English. from 2nd ed. M.: "Delo Ltd", 2015. 768 p.
4. Sberbank of Russia. URL: http://www.sberbank.ru/ (date of access: 03/23/2017).
5. Frank Research Group. URL: http://www.frankrg.com/index.php?new_div_id=145 (accessed 03/24/2017).
6. Analytic Research Group (ARG). URL: www.analyticgroup.ru (date of access: 03/25/2017).
7. Central Bank of the Russian Federation. URL: www.cbr.ru/ (date of access: 03/25/2017).
8. RosBusinessConsulting (RBC). URL: http://www.rbc.ru/ (date of access: 03/24/2017).
The article was received by the editors on 04/07/2017
Dubinina Natalya Aleksandrovna - Russia, 414056, Astrakhan; Astrakhan State Technical University; cand. economy Sciences, Associate Professor; Professor of the Department of Production Management; [email protected]
Agabalaeva Esmira Fizulievna - Russia, 414056, Astrakhan; Astrakhan State Technical University; undergraduate of the department of production management; [email protected]
N. A. Dubinina, E. F. Agabalaeva ANALYSIS OF PERFORMANCE RESULTS OF PJSC "SBERBANK OF RUSSIA"
abstract. Public joint-stock company (PJSC) "Sberbank of Russia" is one of the leading credit institutions in the Russian Federation. This is achieved through wise managerial decisions and a successful management system. PJSC "Sberbank of Russia" is a universal commercial bank that provides its clients with more than 100 various services related to raising funds for deposits: lending, cash and settlement services, dealing, brokering, securities transactions, etc. All the main financial indicators that characterize the activities of PJSC "Sberbank of Russia" for the reporting year demonstrate a steady growth. The analysis allows to conclude that the financial state of PJSC "Sberbank of Russia" are stable, and the positions taken in the banking service market are the leading ones.
Key words: banks, banking, financial assets, financial stability, liquidity.
COUÈAnbHO-ryMAHÈTAPHblE HAÓKH
1. Blank I. A. Upravlenie finansovymi resursami. Moscow, Omega-L; El "ga Publ., 2011. 768 p.
2. Den "gi, kredit, banki: uchebnik. Pod redaktsiei G. N. Beloglazovoi. Moscow, Iurait Publ., 2014. 620 p.
3. Rouz P. S. Bankovskii management. Translated from English so 2nd ed. Moscow, "Delo Ltd" Publ., 2015. 768 p.
4. Sberbank Russia. Available at: http://www.sberbank.ru/ (accessed: 03/23/2017).
5. Frank Research Group. Available at: http://www.frankrg.com/index.php?new_div_id=145 (accessed: 03/24/2017).
6. Analytic Research Group (ARG). Available at: www.analyticgroup.ru (accessed: 03/25/2017).
7. Tsentral "nyi Bank Rossiiskoi Federatsii. Available at: www.cbr.ru/ (accessed: 03/25/2017).
8. RosBiznesKonsalting (RBK). Available at: http://www.rbc.ru/ (accessed: 03/24/2017).
Dubinina Nataliya Aleksandrovna - Russia, 414056, Astrakhan; Astrakhan State Technical University; Candidate of Economics, Assistant Professor; Professor of the Department of Industrial Management; [email protected]
Agabalaeva Esmira Fizulievna - Russia, 414056, Astrakhan; Astrakhan State Technical University; Postgraduate Student of the Department of Industrial Management; [email protected]
· The total capital of the Bank, calculated in accordance with the Regulation of the Bank of Russia dated December 28, 2012 No. 395-P “On the Methodology for Determining the Amount of Equity (Capital) of Credit Institutions ( Basel III)”, increased compared to January 1, 2016 by 117.2 billion rubles, to 2,775.3 billion rubles. Earned profit became the source of capital growth. The return on assets increased from 0.8% to 2.0% due to the growth in net profit.
Return on equity for the 1st half of 2016 increased from 8.0% to 18.9% due to an increase in net profit .
· Net assets decreased compared to January 1, 2016 by 3.7%, or by 0.8 trillion. rubles, up to 21.9 trillion. rubles. The dynamics of net assets was strongly influenced by the negative revaluation of foreign currency balance sheet items as a result of the strengthening of the ruble. Thus, the net loan debt compared with the beginning of the year decreased by 0.7 trillion. rubles, or by 4.0%, which was the result of the revaluation of foreign currency loans to legal entities and non-resident banks. Also, the dynamics of net loan debt was influenced by the investment of part of the funds previously placed in loans to banks in more profitable instruments, in particular, in securities. Net investments in securities and other available-for-sale financial assets increased by 16.1% or $0.4 trillion. rubles to 2.7 trillion. rubles. The growth of investments in subsidiaries and affiliates is associated with the pre-capitalization of subsidiaries. Reducing cash balances Money since the beginning of the year by 0.3 trillion. rubles, or by 34.4%, which took place mainly in January, due to the seasonal decline in demand for cash compared to the period of the New Year holidays. 12
· Clients' funds remain the basis of the Bank's resource base. Since the beginning of the year, their balance has decreased by 0.7 trillion. rubles, or by 3.9%, to a value of 17.0 trillion. rubles. The negative revaluation of currency balances affected the dynamics of customer funds.
· Financial result (including other total income, from the revaluation of securities for sale) amounted to 295.1 billion rubles, which is 89.3 billion rubles, or 43.4% more than the same period last year.
Liquidity indicators of Sberbank of Russia PJSC are presented in Table 2. commercial deposit bank
For the 1st half of 2016, the total assets of Sberbank of Russia PJSC decreased by 831 billion rubles and, according to the results of the 2nd quarter, amounted to 21,876 billion rubles (against 22,707 billion rubles at the beginning of the year) .
The main factors that determined the dynamics of assets were:
· decrease in the amount of net loan debt (decrease over the year by 682 billion rubles to the level of 16,188 billion rubles);
· decrease in the amount of cash by 252 billion rubles due to a decrease in demand for cash from customers;
revaluation of assets at fair value through profit or loss (for 2015 - by 155 billion rubles),
· Growth in investments in securities and other financial assets available for sale, as well as an increase in investments in subsidiaries and affiliates (total by 598 billion rubles over half a year).
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Ministry of Education and Science of the Russian Federation
Federal State Budgetary Educational Institution
higher education
AMUR STATE UNIVERSITY
Faculty of Economics
Department of Finance
Area of study 38.03.01 Economics
Profile: Finance and Credit
on the passage of educational practice (practice for obtaining primary
professional skills and abilities, including primary
skills and abilities of research activities)
Blagoveshchensk 2017
The study practice report contains p., 12 tables, 1 figure, 3 applications, 13 sources.
credit institution, horizontal analysis, vertical analysis, active operations, passive operations
The basis of the research methodology is the methods of analysis, synthesis of generalization, monographic method, horizontal and vertical analysis.
The report provides a description of the activity of the object of study, the organizational structure of the credit institution is investigated, the types of activities, tasks and directions are disclosed, the analysis of the main economic indicators, horizontal and vertical analysis is carried out. financial statements, the characteristics of active, passive and settlement and cash operations of a credit institution are given.
Based on the information in the accounting (financial) statements, an analysis was carried out financial condition, an assessment of the financial stability of the enterprise, the sources of financing of activities is given, the factors influencing the financial condition are identified.
Introduction
1. Organizational, legal and economic characteristics of PJSC "Sberbank"
1.1 Legal form and main provisions of the Charter of Sberbank PJSC
1.2 Characteristics of the organizational and management structures of Sberbank PJSC
1.3 Activities of Sberbank PJSC
2. Analysis of the main economic indicators of Sberbank PJSC
2.1 Horizontal analysis of assets and liabilities of PJSC Sberbank
2.2 Vertical analysis of assets and liabilities of Sberbank PJSC
3. Feature PJSC operations Sberbank
3.1 Characteristic active operations PJSC "Sberbank"
3.2 Characteristics of passive operations of Sberbank PJSC
3.3 Characteristics of settlement and cash operations of Sberbank PJSC
Conclusion
Bibliographic list
Application
Introduction
PJSC "Sberbank of Russia" is largest bank Russian Federation and CIS. Founded in 1841, Sberbank of Russia PJSC today is a modern universal bank that meets the needs of various customer groups in a wide range of banking services. Sberbank occupies the largest share in the deposit market and is the main lender Russian economy. Sberbank of Russia PJSC is a modern universal bank with a large share of private capital. The structure of Sberbank's share capital testifies to its high investment attractiveness.
The main goal of PJSC Sberbank of Russia is to ensure the growth of investment attractiveness and maintain leadership in the Russian market financial services by modernizing management and technological processes. To achieve this goal, the activity of Sberbank of Russia is aimed at improving the client policy, creating a flexible and effective system of interaction with clients based on taking into account the needs of various client groups.
PJSC "Sberbank of Russia" is a universal commercial bank that meets the needs of various customer groups in a wide range of high-quality banking services throughout Russia. Acting in the interests of depositors, clients and shareholders, PJSC Sberbank of Russia strives to effectively invest the attracted funds of private and corporate clients into the real sector of the economy, lends to citizens, contributes to the sustainable functioning of the Russian banking system and saving household deposits.
The main activities of Sberbank of Russia PJSC:
Lending Russian enterprises;
Lending to private clients;
Investment in government securities and bonds of the Bank of Russia;
Carrying out transactions on a commission basis.
Funds for the implementation of these activities are attracted by the Bank from the following sources: shareholders' funds; deposits of private clients; funds legal entities; other sources, including borrowings in international financial markets.
The purpose of the report is to consolidate the knowledge gained in the process of educational practice and to acquire initial practical experience in collecting statistical material and calculating the main economic indicators.
Tasks of the study practice report:
The study of organizational, legal and economic structure PJSC Sberbank;
Study normative documents and types of activities of the credit institution;
Collection, systematization and analysis of the main economic indicators characterizing the activity of the research object;
The study of active, passive, as well as settlement and cash operations of a credit institution.
The basis of the research methodology is the methods of analysis, synthesis of generalization, monographic method, horizontal and vertical analysis of indicators.
The information base of the report is educational and scientific literature, local regulations, organizational documentation, data from the accounting (financial) statements of PJSC Sberbank.
1. Organizational, legal and economic characteristics of PJSC "SBERBANK"
1.1 Legal form and main provisions of PJSC Sberbank
Public Joint Stock Company "Sberbank" is a modern universal commercial bank that meets the needs of various customer groups in a wide range of banking services.
PJSC Sberbank is part of the banking system of the Russian Federation and is guided in its activities by federal laws and other regulatory legal acts, including regulations Bank of Russia and the Charter.
Cbr.ru is the regulatory legal document on the basis of which the activities of a credit institution are regulated, as well as maintaining stability and protecting the interests of depositors and creditors. Electronic resource: official website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. :
Civil Code of the Russian Federation (parts one and two);
Federal Law of 02.12.1990 No. 395-1 “On banks and banking activities”;
Federal Law of July 10, 2002 No. 86-FZ “On the Central Bank of the Russian Federation”;
Federal Law of 08.08.2001 No. 128-FZ “On Licensing Certain Types of Activities”;
Federal Law of December 26, 1995 No. 208-FZ “On Joint Stock Companies”;
Federal Law of March 26, 1998 No. 41-FZ “On Precious Metals and Precious Stones”;
Federal Law No. 40-FZ of February 25, 1999 “On the Insolvency (Bankruptcy) of Credit Institutions”;
Federal Law of July 26, 2006 No. 135-FZ “On Protection of Competition”;
Federal Law No. 46-FZ of 05.03.1999 “On Protection of the Rights and Legitimate Interests of Investors in the Securities Market”;
Bank of Russia Regulation No. 437 dated April 23, 1997 “On Peculiarities of Registration of Credit Institutions with foreign investment and on the procedure for obtaining preliminary permission from the Central Bank of the Russian Federation to increase the authorized capital of a registered credit institution at the expense of non-residents' funds”;
Regulation of the Bank of Russia dated December 30, 1999 No. 103-P “On the procedure for maintaining accounting transactions related to the issuance and redemption of savings and deposit certificates by credit institutions.
The activities of Sberbank PJSC are carried out on the basis of the Bank's Charter.
Name of the bank and its location (postal and legal address);
List of banking operations performed by him;
The size of the authorized capital, reserve and other funds formed by the bank;
An indication that the bank is a legal entity and operates on a commercial basis;
Data on the management bodies of the bank, the order of formation and functions.
Public Joint Stock Company Sberbank of Russia is a credit institution.
The founder of Sberbank of Russia is central bank Russian Federation.
The bank is commercial organization, the main purpose of which is to make a profit when carrying out activities in accordance with the legislation of the Russian Federation, including when carrying out banking operations.
The governing bodies of the Bank are: the General Meeting of Shareholders, the Supervisory Board of the Bank, the collegial executive body - the Management Board of the Bank, the sole executive body - the President, the Chairman of the Management Board of the Bank.
Bank shareholders can be legal entities and individuals, including foreign ones. Shareholders are not liable for the obligations of the bank and bear the risk of losses associated with its activities, within the value of their shares. The Bank is not liable for the obligations of its shareholders. bank economic asset liability
Sberbank of Russia is not liable for the obligations of the state and its bodies. It is also not liable for the obligations of the Bank of Russia, and the Bank of Russia is not liable for the obligations of the Savings Bank of Russia, unless the Bank of Russia has assumed such obligations.
The Bank has the right to issue, purchase, sell, record, store and other operations with securities that perform the functions of a payment document, with securities confirming the attraction of funds to deposits and bank accounts.
Sberbank of Russia has the right to carry out professional activities in the securities market, including brokerage, dealership, depository.
The authorized capital of Sberbank of Russia is formed in the amount of 67760844000 rubles. He is equal total amount par value of the Bank's shares acquired by Cbr.ru shareholders Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. .
The Bank placed 21586948000 ordinary shares with par value of 3 rubles and 1000000000 preferred shares with par value of 3 rubles.
The authorized capital determines the minimum size of the bank's property that guarantees the interests of its creditors.
The nominal value of the placed preferred shares must not exceed 25% of the authorized capital of the bank.
All shares of Sberbank of Russia are registered. The Bank placed ordinary shares and preference shares of the same type - with the obligatory payment of a certain dividend in the amount of at least 15% of the par value of the preference share.
Shareholders - owners of preferred shares participate in the General Meeting of Shareholders with the right to vote when deciding on issues of reorganization or liquidation of the bank, as well as on releasing the bank from the obligation to disclose or provide information provided for by the legislation of the Russian Federation on securities.
The Bank has full economic independence in matters of profit distribution after taxation (net profit).
After-tax profit is distributed among shareholders in the form of dividends, directed to the formation reserve fund. Profit not directed to the payment of dividends and to the reserve fund remains at the disposal of the Bank in the form of retained earnings.
The Bank forms a reserve fund in the amount of at least 5% of the authorized capital.
The reserve fund is formed by annual deductions in the amount of at least 5% of net profit until the established amount is reached.
Decisions on the payment of annual dividends and their amount are made by the General Meeting of Shareholders on the recommendation of the Bank's Supervisory Board. Dividends are paid once a year. Dividends are paid to shareholders in cash, net of tax, within 30 days from the date of the decision to pay dividends.
The Bank pays insurance premiums to the Fund of Mandatory Deposit Insurance of Individuals by transferring funds.
Sberbank of Russia guarantees the secrecy of transactions, accounts and deposits of customers and correspondents. All employees of Sberbank of Russia are required to strictly observe the secrecy of transactions, accounts and deposits of the bank's customers and its correspondents, as well as the bank's commercial secret.
The Bank maintains accounting records and provides financial and other reporting.
The executive bodies of the bank are responsible for the accuracy of the information contained in the statements of Sberbank of Russia.
The grounds, procedure, forms of reorganization and liquidation of Sberbank of Russia are determined in accordance with the legislation of the Russian Federation.
1.2 Characteristics of the organizational and management structures of PJSC Sberbank
Organizational structure - a set of bank departments that perform the functions assigned to them. The purpose of the organizational structure is the management of the functioning of the bank Zhukov E.F. Banks and non-bank credit organizations and their operations. M., 2013. S. 87. .
The organizational structure of a commercial bank is determined, first of all, by its organizational and legal form of ownership, which determines the organizational structure of the bank, which, of course, is reflected in the Bank's Charter.
The organizational structure of the bank includes functional units and services of the bank, each of which has certain rights and obligations.
The choice of the optimal organizational structure of the bank is an important condition for the effectiveness of the organization of labor in the bank as a whole, its successful commercial activities.
The main criterion for the organizational structure of the bank is the economic content and volume of operations performed by the bank.
The management structure of the bank includes functional divisions and services, the number of which is determined by the economic content and volume of operations performed by the bank, which are reflected in the License for this bank to carry out banking activities.
As of December 31, 2016, PJSC Sberbank has 14 territorial banks, 79 branches of territorial banks and 15,016 customer service outlets in the Russian Federation.
The governing bodies of Sberbank are: the General Meeting of Shareholders, the Supervisory Board, the Management Board of the Bank. The Management Board is headed by the President and Chairman of the Management Board of the Bank.
The organizational structure of PJSC Sberbank is shown in Figure 1.
The General Meeting of Shareholders is the supreme governing body of Sberbank of Russia. At the General Meeting of Shareholders, decisions are made on the main issues of the Bank's activities. Held once a year. The General Meeting of Shareholders resolves the following issues: approval annual report, considers the report of the audit commission, the report of the management, the procedure for the distribution of profits and its use (the amount and procedure for paying dividends), the development plan for the next year, determines the development strategy of the bank, elects the Council of the bank.
Figure 1 - Organizational structure of PJSC Sberbank
In accordance with the Charter, the general management of the bank's activities is carried out by the Supervisory Board. The competence of the Supervisory Board includes issues of determining priority areas of the bank's activities, appointment of members of the Management Board and early termination of their powers, issues of convening and preparing General Meetings of Shareholders, recommendations on the amount of dividends on shares, periodic hearing of reports of the President, Chairman of the Management Board on the activities of the bank and other issues.
Committees of the Supervisory Board are bodies created for preliminary consideration of the most important issues within the competence of the Supervisory Board and preparation of recommendations on them. The Committees are formed annually from among the members of the Supervisory Board. Each Committee includes independent directors. The committees facilitate working interaction with the bank's management bodies. Decisions of the Committees are advisory in nature. The committees of the Supervisory Board and their powers are presented in Table 1.
Table 1 - Characteristics of the Committees of the Supervisory Board Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017.
|
Committee name |
Powers |
|
|
Audit Committee |
Carries out a preliminary assessment of candidates for auditors of the bank, prepares recommendations to the Supervisory Board for selection audit organization for approval at the general meeting of shareholders, considers the conclusions of the auditor and the Audit Commission, evaluates the effectiveness of internal control. |
|
|
Human Resources and Remuneration Committee |
Develops principles and criteria for determining the amount of remuneration for members of the Supervisory Board and executive bodies of the bank, determines the criteria for selecting candidates for members of the Supervisory Board and executive bodies of the bank, and also performs a preliminary assessment of these candidates |
|
|
Strategic Planning Committee |
reviews and evaluates long-term trends in the development of the banking operations market, analyzes strategic development projects for the bank, develops proposals for the formation of the bank's policy in the field of risk management, analyzes and evaluates the adequacy and effectiveness of the bank's risk management systems |
The current activities of the bank are managed by the President, the Chairman of the Board and the Board.
The Board is a collegial executive management body. The Management Board preliminarily discusses all issues subject to consideration by the General Meeting of Shareholders and the Supervisory Board of the bank, determines the bank's policy in the field of risk management and other areas of activity, discusses the reports of the heads of departments central office bank and heads of territorial banks on the results of activities, organizes the introduction of the most progressive banking technologies, carries out the implementation of projects for the integrated automation of banking operations, ensures the creation of a modern banking infrastructure, and solves current issues of the bank's activities.
Committees of the Bank: the Committee for Retail Lending ensures the implementation of the Bank's policy in the field of lending to individuals, the Committee for Human Resources ensures the implementation of the Bank's Development Strategy in terms of personnel management, the Committee for Processes and Technologies ensures the implementation of the Bank's Development Strategy in terms of the development of processes and technologies, etc. .d Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. .
The Bank has a permanent collegial working body - the Board of the Bank, which includes members of the Board of the Bank, heads of territorial and subsidiary banks. The board is a platform for active discussion of strategic issues of the bank's development and development of optimal solutions that take into account the peculiarities of the regions.
To exercise control over the financial and economic activities of the bank, the annual General Meeting of Shareholders elects the Audit Commission in the amount of 7 people. The audit commission checks the bank's compliance with legislative and other acts regulating its activities, the establishment of internal control in the bank, the legality of the operations performed. The Audit Commission assesses the reliability of the data included in the annual report and contained in the bank's annual financial statements.
1.3 Activities of PJSC Sberbank
PJSC Sberbank was established with the aim of attracting temporarily free funds of the population and enterprises, and their effective placement on the terms of repayment, payment, urgency, in the interests of the bank's depositors and in the interests of the development of the national economy.
The main activities of the Bank Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. :
Corporate business - providing services to corporate clients and organizations for servicing settlement and current accounts, opening deposits, providing all types of financing, guarantees, servicing foreign trade operations, collection services, etc.;
Retail business - provision of banking services to customers - individuals on accepting funds for deposits, lending, servicing bank cards, transactions with precious metals, foreign exchange transactions, money transfers, payments, storage of valuables, etc.;
Operations in financial markets - operations with securities, operations to place and raise funds in the interbank market, to raise long-term funds in the capital markets, operations with foreign exchange and derivatives financial instruments, as well as other operations in the financial markets.
As part of the above areas of activity, Sberbank offers customers a wide range of banking products and services.
Sberbank of Russia carries out the following Bank operations There. :
Attracting funds from individuals and legal entities (on demand and for a specified period);
Placement of attracted funds on its own behalf and at its own expense;
Opening and maintaining bank accounts individuals and legal entities;
Transfers of funds on behalf of individuals and legal entities, including correspondent banks, to their bank accounts;
Collection of funds, bills of exchange, payment and settlement documents and cash service individuals and legal entities;
Purchase and sale of foreign currency in cash and non-cash forms;
Attracting deposits and placement of precious metals;
Issuance of bank guarantees;
Money transfers without opening bank accounts, including electronic money (except for postal orders).
In addition to banking operations, the bank carries out the following transactions Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. :
Issuance of guarantees for third parties, providing for the fulfillment of obligations in cash;
Acquisition of the right to demand from third parties the fulfillment of obligations in cash;
Trust management of funds and other property under an agreement with individuals and legal entities;
Operations with precious metals and precious stones in accordance with the legislation of the Russian Federation;
Leasing to individuals and legal entities of special premises or safes located in them for storing documents and valuables;
Leasing operations;
Provision of consulting and information services.
The Blagoveshchensk Branch of Sberbank of Russia provides services for individuals and legal entities: consumer loans, educational loans, mortgages, car loans, credit cards, loan refinancing. Accepts deposits and deposits: term deposit, online deposit, deposit for settlements, savings certificate, DIA payments, compensation for deposits, as well as the search for accounts. The Blagoveshchensk branch is part of the Far East Bank headquartered in Khabarovsk, which serves the population and businesses in the Khabarovsk, Primorsky, Amur and Sakhalin regions, Jewish Autonomous Region Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. .
2. Analysis of the main economic indicators of PJSC SBERBANK
2.1 Horizontal analysis of assets, equity and liabilities of Sberbank
With the help of horizontal analysis, we will study the change in the final indicators of the balance sheet of PJSC Sberbank over time. Let's trace the changes that have taken place over the previous and previous years.
In the table, based on the financial statements presented in the appendix, a horizontal analysis of the assets of PJSC Sberbank was carried out.
Table 2 - Horizontal analysis of the assets of PJSC Sberbank
|
Indicator values |
Horizontal Analysis |
||||
|
Absolute change |
Relative change, % |
||||
|
assets, total |
|||||
|
Cash |
|||||
|
At the Central Bank of the Russian Federation |
|||||
|
Required reserves |
|||||
|
Net debt |
|||||
|
Net investments in securities and other financial assets available |
|||||
|
Deferred tax asset |
|||||
|
Other assets |
Having considered the horizontal analysis of the assets of PJSC Sberbank, it can be seen that the volume of assets as of 01/01/2017 decreased compared to the previous period by 985,837,610 million rubles. or by 4.54%. This was due to a decrease in cash by 19.18%, due to credit institutions by 2.31%, financial assets at fair value through profit or loss by 187.23%, net investments in securities and other financial assets held available for sale by 2.06%.
At the same time, as of January 1, 2017, compared to January 1, 2016, the funds of credit institutions with the Central Bank increased by 39.34%, required reserves by 23.49%, investments in subsidiaries and affiliates by 22.43%, and also long-term assets held for sale increased by 22.33%.
Table 3 shows a horizontal analysis of equity and liabilities of PJSC Sberbank.
Table 3 - Horizontal analysis of equity and liabilities of PJSC Sberbank
|
Indicator values |
Horizontal Analysis |
||||
|
Absolute change |
Relative change, % |
||||
|
Funds of credit organizations |
|||||
|
Financial liabilities at fair value through profit or loss |
|||||
|
Other liabilities |
|||||
|
Provisions for possible losses on contingent liabilities of a credit nature, other possible losses and transactions with residents of offshore zones |
|||||
|
Total liabilities |
|||||
|
Sources of own funds |
|||||
|
Share premium |
|||||
|
reserve fund |
|||||
|
Revaluation at fair value of securities |
|||||
This table shows that the liabilities of PJSC Sberbank as of 01/01/2017 decreased by 1486605889 million rubles compared to the previous periods. or by 7.87%.
This was due to a decrease in loans, deposits and other funds of the Central Bank of the Russian Federation by 0.32%, due to credit institutions by 0.69%, due to customers other than credit institutions by 4.98%, financial liabilities at fair value through profit or loss by 112.08%, issued debt obligations by 6.02%, deferred tax liabilities by 422.13%.
Having considered the horizontal analysis of the equity capital of Sberbank, we can conclude that as of 01/01/2017, compared to the previous period, the sources of equity increased by 500,768,279 million rubles. or by 17.7%. This is due to an increase in income from the revaluation of securities at fair value by 216.36%, there was also an increase in retained earnings of previous years by 7.99% and unused profit for the reporting period by 56.17%.
2.2 Vertical analysis of assets, equity and liabilities of Sberbank
With the help of vertical analysis, we will consider the structure of the final data of the balance sheet in the form of relative values, and also analyze the change in balance sheet items compared to previous years.
In table 4, based on the financial statements presented in the appendix, a vertical analysis of the assets of PJSC Sberbank was carried out
Table 4 - Vertical analysis of Sberbank assets
|
Indicator values |
Vertical Analysis |
||||
|
assets, total |
|||||
|
Cash |
|||||
|
Required reserves |
|||||
|
Funds in credit institutions |
|||||
|
Financial assets at fair value through profit or loss |
|||||
|
Net debt |
|||||
|
Net investments in securities and other available-for-sale financial assets |
|||||
|
Investments in subsidiaries and affiliates |
|||||
|
Net investment in securities held to maturity |
|||||
|
Current Income Tax Requirements |
|||||
|
Deferred tax asset |
|||||
|
Fixed assets, intangible assets and inventories |
|||||
|
Long-term assets held for sale |
|||||
|
Other assets |
Having considered the vertical analysis of the assets of PJSC Sberbank, we can conclude that as of January 1, 2017, a large share in the total assets is occupied by the net debt of 74.68%. The same can be said about 2016. Net debt is 74.29%.
Net investments in securities and other financial assets available for sale as of 01/01/2017 in total assets amount to 10.45%, funds of credit institutions in the Central Bank of the Russian Federation - 4.45%. The smallest share in total assets is held by long-term assets held for sale - 0.03%.
In table 5, based on the financial statements presented in the appendix, a vertical analysis of equity and liabilities of PJSC Sberbank was carried out.
Table 5 - Vertical analysis of equity and liabilities of PJSC Sberbank
|
Indicator values |
Vertical Analysis |
||||
|
Total liabilities |
|||||
|
Loans, deposits and other funds of the Central Bank of the Russian Federation |
|||||
|
Funds of credit organizations |
|||||
|
Due to customers other than credit institutions |
|||||
|
Deposits (funds) of individuals, including individual entrepreneurs |
|||||
|
Financial liabilities measured at fair value |
|||||
|
Issued debt |
|||||
|
Liability for current income tax |
|||||
|
Deferred tax liability |
|||||
|
Other liabilities |
|||||
|
Provisions for possible losses on contingent credit related commitments |
|||||
|
Sources of own funds |
|||||
|
Total sources of own funds |
|||||
|
Funds of shareholders (participants) |
|||||
|
Own shares (shares) redeemed from shareholders |
|||||
|
Share premium |
|||||
|
reserve fund |
|||||
|
Fair value revaluation of securities available-for-sale |
|||||
|
Revaluation of property, plant and equipment reduced by deferred tax liability |
|||||
|
Reassessment of long-term benefit liabilities |
|||||
|
Revaluation of hedging instruments |
|||||
|
Grant Funding Cash |
|||||
|
Retained earnings of previous years |
|||||
|
Unused profit for the reporting period |
The table shows that as of January 1, 2017, in the total volume of liabilities, the largest share is occupied by funds of customers who are not credit institutions - 89.36%. Then 57.89% belongs to the deposits of individuals, including individual entrepreneurs. The smallest share in the bank's liabilities is occupied by current income tax liabilities - 0.03%. In 2016, the largest share was also accounted for by the funds of clients that are not credit institutions - 86.97%, then 50.16% belongs to the deposits of individuals, as well as individual entrepreneurs.
Having considered the vertical analysis of sources of own funds, we can conclude that as of January 1, 2017, the largest share in the total volume is retained earnings previous years - 68.79%. Unused profit for the reporting period is 17.61%. The smallest share in the total volume of own capital is made up of the reserve fund - 0.12%.
3. Characteristics of operations of PJSC SBERBANK
3.1 Characteristics of active operations of PJSC Sberbank
The active operations of the Savings Bank are related to the provision of loans to banks, organizations and the public within the resources available to it. Active operations also include all types of operations with securities. The implementation of active operations leads to an increase in funds in active accounts, reflecting cash, bank loans, investments in equipment, buildings, securities, and so on.
Active operations include:
Operations on placement of funds in securities;
Interbank lending;
Loans to legal entities and individuals.
When lending to legal entities, Sberbank of Russia adheres to the following areas:
1 Support for the following industries and sectors of the economy:
Industries that guarantee the satisfaction of the daily and most necessary vital needs of the population (retail chains, pharmacies, etc.);
Industries that perform life-supporting functions (electricity and water supply, transport, etc.);
Defense-industrial complex;
Small business;
Agriculture.
2 Support for existing clients of Sberbank of Russia and fulfillment by the Bank of its legal obligations for lending under concluded agreements, support for the Bank's borrowers whose business continuity is critical for other borrowers of Sberbank of Russia.
3 Lending to working capital and current business needs of clients.
With regard to individuals, Sberbank of Russia follows the following priorities:
Increases the availability of loans by offering various ways to repay them - equal monthly (annuity) or differentiated payments, with obligatory clarification to clients of all possibilities and restrictions of this or that type of payments;
Helps clients avoid becoming over-indebted by increasing attention to individual solvency when issuing new loans;
Retains the entire line of retail loan products and continues to optimize it, taking into account the need to maintain the quality of the loan portfolio;
Provides a boost financial literacy population, consultations and clarifications on all products and services of the bank;
Strengthens the work on maintaining and improving the quality of the loan portfolio, carefully assessing the financial capabilities of borrowers and the proposed collateral.
PJSC Sberbank provides the following types of loans:
1) consumer credit;
2) mortgage loan;
3) credit cards.
Consumer loan - a loan provided directly to citizens (households) for the purchase of consumer goods. Such a loan is taken not only for the purchase of durable goods (apartments, furniture, cars, etc.), but also for other purchases ( Cell phones, household appliances, food). It acts either in the form of the sale of goods with a deferred payment, or in the form of a bank loan for consumer purposes, including through credit cards. In this case, a fairly high percentage is charged.
Table 6 shows the characteristic consumer loans PJSC Sberbank
Table 6 - Characteristics of consumer loans of PJSC Sberbank
|
View consumer credit |
Description |
Credit amount |
Interest rate |
Credit term |
|
|
Consumer loan without collateral |
The loan is allocated for any purpose without collateral and guarantee |
Up to 3,000,000 rubles |
From 13.9% per year |
||
|
Consumer loan secured by individuals |
Issued under the guarantee of two persons that meet the criteria for the borrower |
Up to 5,000,000 rubles. |
From 12.9% per year |
||
|
Non-targeted loan secured by real estate |
The main condition is a pledge of own property. |
Up to 10,000,000 rubles, should not exceed 70% appraised value real estate |
From 12% per year |
||
|
Consumer credit to military personnel - participants of the NIS (savings and mortgage system) |
For any purpose, including as an additional payment for the purchased apartment |
Maximum loan amount: 500,000 rubles. (without collateral), RUB 1,000,000 (with registration of a guarantee of an individual). |
13.5% (with collateral), 14.5% (without collateral). |
||
|
Loan to individuals leading a personal subsidiary farm |
Special credit program for owners of private farms. |
No more than 1,500,000 rubles. for one household |
|||
|
Consumer loan for refinancing |
Making a loan to refinance debt. |
Up to 3,000,000 rubles |
13.9% and 14.9% per year |
The appendix contains a list of requirements for borrowers and required documents for each type of consumer loan. Mortgage loan - providing a long-term loan on collateral real estate(land, dwellings, etc.). Table 7 provides a characteristic mortgage loans PJSC Sberbank.
Table 7 - Characteristics of mortgage loans of PJSC Sberbank
|
View mortgage loan |
Description |
Credit amount |
Interest rate |
Credit term |
|
|
Acquisition of finished housing |
A loan for the purchase of an apartment or other residential premises in the secondary real estate market. |
From 300 000 rub. |
From 8.9% per year |
||
|
Promotion for new buildings |
A loan for the purchase of housing under construction or housing in a finished new building from a selling company. |
From 300 000 rub. |
From 7.5% per year |
||
|
Mortgage plus maternity capital |
When purchasing a home on credit, maternity capital funds can be used as a down payment. |
From 300 000 rub. |
From 8.9% per year |
||
|
Residential building construction |
Credit for individual construction residential building. |
From 300 000 rub. |
From 10% per year |
||
|
country estate |
A loan for the purchase, construction of a dacha (garden house) and other buildings for consumer purposes. |
From 300 000 rub. |
From 9.5% per year |
||
|
military mortgage |
A loan for the purchase of an apartment, residential building or other residential premises in the secondary real estate market, as well as for the acquisition in the primary real estate market. |
Up to 2,200,000 rubles. |
10.9% per year |
The appendix presents the requirements for borrowers and the required documents for each type of mortgage loan.
The technology for issuing loans in PJSC Sberbank is presented in table 8.
Table 8 - Technology of issuing loans
|
Name |
Characteristic |
|
|
Consideration period loan application |
Within 2 working days from the date of submission to the Bank of a complete package of documents. |
|
|
The procedure for granting a loan |
The loan is granted at a time, no later than 30 calendar days from the date of the Bank's positive decision to grant a loan. The date of the actual provision of the Loan is the date the loan is credited to the bank card account opened with PJSC Sberbank. |
|
|
Loan repayment procedure |
Annuity (equal) payments. |
|
|
Partial or complete early repayment loan |
It is carried out upon application at the branch of the Bank. The application must contain the date of early repayment, the amount and the account from which the funds will be transferred. The execution of the application for early repayment is made on the date of early repayment specified in the application, which may fall on a working day, as well as on a weekend or holiday. Minimum size the amount of early repayment is unlimited. There is no fee for early redemption. |
|
|
Penalty for late loan repayment |
The penalty for late repayment of a consumer loan is 20% per annum from the amount of the overdue payment for the period of delay from the date following the date of the fulfillment of the obligation established by the Agreement to the date of repayment of the Overdue Debt under the Agreement (inclusive). The penalty for late repayment of a mortgage loan corresponds to the key rate of the Bank of Russia |
Credit card - a bank payment card intended for transactions, settlements for which are carried out exclusively at the expense of funds provided by the bank to the client within the established limit in accordance with the terms of the loan agreement.
Table 9 shows the characteristics of Sberbank credit cards and the requirements applicable to borrowers.
Table 9 - Characteristics of Sberbank credit cards and requirements applicable to borrowers
|
View credit card |
Description |
Maintenance cost |
Credit |
Loan interest |
Client Requirements |
|
|
Classic MasterCard |
Credit card for daily use |
From 0 to 750 rubles. in year |
Up to 600,000 rubles. |
From 23.9% to 27.9% per year |
Citizenship of the Russian Federation, age from 21 to 65 years, permanent registration on the territory of the Russian Federation. |
|
|
Gold MasterCard |
Credit card for daily use, including a set of additional services, Special offers and discounts |
From 0 to 3000 rubles. in year |
Up to 600,000 rubles. |
From 23.9% to 27.9% per year |
Citizenship of the Russian Federation, age from 21 to 65 years, permanent or temporary registration on the territory of the Russian Federation. |
|
|
Premium MasterCard world black Edition |
A credit card will allow you to return up to 10% of the cost of purchases with bonuses THANK YOU |
4900 rub. in year |
Up to 3,000,000 rubles. |
From 21.9% per year |
Citizenship of the Russian Federation, age from 21 to 65 years, permanent or temporary registration in the territory of the Russian Federation, general seniority at least 1 year in the last 5 years and a period of work at the current place of at least 6 months |
|
|
classical Visa card Aeroflot |
A credit card allows you to earn Aeroflot Bonus miles and exchange them for award tickets of Aeroflot airlines or Sky Team alliance companies |
900 rub. in year |
Up to 600,000 rubles. |
From 23.9% to 27.9% |
Citizenship of the Russian Federation, age from 21 to 65 years, permanent or temporary registration on the territory of the Russian Federation, total work experience of at least 1 year over the past 5 years and a period of work in the current place of at least 6 months. |
|
|
Aeroflot Visa Gold Card |
A credit card allows you to earn Aeroflot Bonus miles and take advantage of special offers |
3500 rub. in year |
Up to 600,000 rubles. |
From 23.9% to 27.9% per year |
Citizenship of the Russian Federation, age from 21 to 65 years inclusive, permanent or temporary registration on the territory of the Russian Federation. |
|
|
Premium card Visa Signature Aeroflot |
A credit card that allows you to accumulate more Aeroflot Bonus miles |
12 000 rub. in year |
From 300,000 to 3,000,000 rubles. |
21.9% per year |
Citizenship of the Russian Federation, age from 21 to 65 years inclusive, permanent or temporary registration on the territory of the Russian Federation |
|
|
Classic Visa Card "Give Life" |
50% of the cost of the first year of service and 0.3% of each purchase goes to a charity |
From 0 to 900 rubles. in year |
Up to 600,000 rubles. |
From 23.9% to 27.9% per year |
citizenship of the Russian Federation, age from 21 to 65 years, permanent or temporary registration on the territory of the Russian Federation, a total work experience of at least 1 year in the last 5 years and a period of work at the current place of work of at least 6 months. |
A credit card can be issued at any branch of Sberbank. Required documents for registration: a passport of the Russian Federation and an application form for a credit card. Loan term - 3 years.
Thus, PJSC Sberbank provides a wide range of lending services, taking into account the needs of various client groups.
3.2 Characteristics of passive operations of PJSC Sberbank
Deposit operations - these are bank operations to attract funds from legal entities and individuals in deposits either for a specified period or on demand.
Considering the deposit policy of the bank as one of the elements of the banking policy as a whole, it is necessary to proceed from the fact that the main goal deposit policy is to attract as much money as possible at the lowest price.
Successful implementation of this multifaceted goal of the bank's deposit policy involves solving such tasks as:
Assistance in the process of conducting deposit operations in obtaining bank profits or creating conditions for making profits in the future;
Maintaining the required level of bank liquidity;
Ensuring the diversification of subjects of deposit operations and a combination different forms deposits;
Maintaining the relationship and mutual consistency between deposit operations and operations for issuing loans in terms of amounts and terms of deposits and credit investments;
minimization free funds on deposit accounts;
Conducting a flexible interest rate policy;
Constant search for ways and means to reduce interest costs on attracted resources;
Development of banking services and improvement of the quality and culture of customer service.
The successful fulfillment of the goals and objectives set by the bank in the process of developing and implementing the deposit policy largely depends on the effectiveness of the functioning of the mechanism for the formation of the deposit policy.
Each of the stages of the formation of the deposit policy of Sberbank is directly related to the others and is mandatory for the formation of an optimal deposit policy and the correct organization of the deposit process. Various structural units jar.
By maturity, deposits are divided into demand deposits and term deposits.
Demand deposit - under the agreement, the credit institution undertakes to return the invested funds at any time at the first request of the client. Since the bank does not accept a deposit for a certain period, the rate on such a deposit is minimal - on average no more than 0.1%.
Term deposit - deposits are placed for a certain period specified in the contract. Most often there are deposits for three, six months or one year. In order to receive the full interest rate, it is necessary to keep the money in the deposit during the entire term of the agreement. Otherwise, the bank will return the deposit, but with a significantly reduced interest - usually at the level of the rate on demand deposits.
Term deposits can, in turn, be divided into separate subspecies according to their purpose: savings, savings or settlement. The simplest of them is savings. For such a deposit, replenishment operations are prohibited and partial withdrawal amounts. Savings deposits tend to have the highest rates.
Savings deposits are designed for those who would like to replenish the deposit during the term of the agreement. They are intended for those who would like to save up some large amount (for example, for an expensive purchase).
The settlement deposit allows the client to maintain control over his funds to one extent or another, manage his savings by making credit or expenditure transactions. Another name for this type of deposit is universal deposits. Settlement deposits can also be expense-replenished and expense.
The types of deposits can also be differentiated depending on who they are intended for.
The deposit for individuals is intended for ordinary citizens. Such deposits are protected by the deposit insurance system.
Deposit for legal entities - a type of deposit designed for organizations. With the help of it, companies place temporarily free cash. By agreement between the bank and the legal entity, early withdrawal of funds from the deposit may be prohibited, and this does not contradict the current legislation. In addition, deposits of legal entities are not subject to the deposit insurance system.
Special deposits are offered, as a rule, to a narrower group of persons.
For example, banks can develop special products for pensioners, students, etc. In Sberbank, this type of deposit includes the Social deposit. This is a special contribution for children left without parental care. The deposit is issued for 3 years, the minimum amount is 1 ruble, interest rate- 4.06% in rubles.
Table 10 - Characteristic term deposits for individuals in PJSC Sberbank
|
Type of deposit |
Description |
Minimum deposit amount |
Interest rate |
Deposit term |
|
|
Deposit "Save Online" |
Online deposit for reliable savings and guaranteed income. |
From 4.05% to 5.63% |
From 1 month to 3 years inclusive |
||
|
Deposit "Top Up Online" |
A replenishable deposit for those who prefer to save and save their funds regularly. |
From 3.95% to 5.12% |
|||
|
Deposit "Manage Online" |
Online deposit for free management of funds with the ability to use part of the funds without losing interest. |
3.25% to 4.82% |
From 3 months to 3 years inclusive |
||
|
Deposit "Give Life" |
Contribution to help children with serious illnesses. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation |
||||
|
savings account |
Organizational and economic characteristics of "Sberbank of Russia". Analysis of assets and liabilities, income, expenses and profits, performance indicators of OAO "Sberbank of Russia". Operations using bank cards. Check Guarantee Cards.
term paper, added 02/17/2014
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Organizational and economic characteristics of the bank. Rules and principles of organization of accounting in it. Procedure for opening and maintaining accounts. Accounting for interbank settlements, cash and credit transactions. The financial analysis bank activities.
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The concept of the efficiency of a commercial bank. Essence, functions and place of enterprise finance in the banking system. Key performance indicators of the bank. Analysis of assets and liabilities, income, expenses and profits, operating costs of the bank.
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Organizational and economic characteristics of the East Siberian Bank of the Savings Bank of Russia. Financial stability, the reliability of the credit institution. Liquidity of a commercial bank. Analysis of active operations, financial statements of a commercial bank.
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Organizational and legal characteristics of the Savings Bank of Russia. The total number of employees of the Kirov branch of the bank, their duties. The composition and structure of liabilities, bank income. Analysis of mandatory standards. Organization of cash and non-cash payments.
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Structural analysis resource base and active operations of a commercial bank. Analysis of the quality of assets and liabilities. Ways to improve the analysis of the financial condition of a commercial bank as the basis for managing its activities, on the example of CB "National Business Bank" (LLC).
The modern banking system is the most important area national economy any developed country and states.
Commercial banks, acting in accordance with monetary policy countries regulate the movement of funds, affecting the speed of their circulation, the total mass, emission, including the amount of cash in circulation.
The current difficult economic situation in Russia due to the sanctions imposed against enterprises and organizations, shows a number of negative factors, which, among other things, affect the profit and profitability of banks.
The main goal of a commercial bank is to obtain maximum profit, subject to its long-term functioning and stable position in the market.
The amount of profit or loss received by the bank, being the final financial result, reflects the results of all types of its activities, active and passive operations.
The profit of a commercial bank is the main financial result of its activities, defined as the difference between income received and expenses. In turn, the bank's profitability is an indicator of the effectiveness of its use of monetary or other resources.
Income, expenses and profit are a reflection of a complex of objective and subjective factors affecting the bank's activities: client base, location, availability of sufficient premises to serve the clientele, level of competition, etc.
Revenues are cash receipts from its production and non-production activities. Commercial Bank may receive income from both main and side activities, as well as have occasional income classified as other. From this it follows that the source of the bank's income is its main and side activities. Part of the income received by a commercial bank is directed to the creation of reserves to cover potential risks. The totality of all income of a commercial bank is called gross income.
PJSC Sberbank of Russia is the largest universal bank Russia, which provides banking service legal entities and individuals. License number 1481 dated August 11, 2015. The Bank is a member of the deposit insurance system. Authorized capital 67.7 billion rubles. It is a public joint stock company, 52.3% of shares belong to Central bank Russian Federation, the remaining 47.6% of the shares are in public circulation, the owners of which are not established (including those owned by minority shareholders) .
Let's analyze the main financial results of PJSC "Sberbank of Russia" for 2010-2016. according to the income statement of a commercial bank for seven reporting periods (table 1) .
Table 1.
Key financial results of PJSC Sberbank of Russia for 2010-2016(billion rubles)
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Indicators |
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Net interest income |
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Net fee and commission income |
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Operating income before provisions |
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Operating income |
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Allocations to the provision for impairment of the loan portfolio |
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Operating expenses |
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Profit before tax |
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Net profit |
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More clearly, the indicators of table 1 are presented in figure 1.
Figure 1. Dynamics of the main financial results of PJSC Sberbank of Russia for 2010-2016
The data in Table 1 and Figure 1 show a positive upward trend in profit indicators. It can be seen that for 7 years the operating income of the bank increased by 1047.7 billion rubles. or by 161.2%. Profit before tax from 2010 to 2016 also increased by 447.4 billion rubles. or nearly three times. The net profit of PJSC Sberbank of Russia increased by 360.3 billion rubles. or nearly three times.
Figure 2 presents the dynamics of the bank's net profit. In 2014-2015, the bank's net profit tended to decrease due to the current situation in the country economic crisis. Net profit of the bank from 362 billion rubles. in 2013 decreased to 290.3 billion rubles. in 2014 and further up to 222.9 billion rubles. in 2015. For two years, the bank lost 139.1 billion rubles. However, in 2016, compared to 2015, the net profit of PJSC Sberbank of Russia increased by 319 billion rubles. or almost 2.5 times.
Let's do a trend analysis. Trends can be represented by various equations - logarithmic, linear, power, etc. A trend is the main trend in a certain series (indicator).
Based on the graph data for 2010-2016 in Figure 2, a polynomial trend line is constructed, which approximates the empirical share well.
Figure 2. Dynamics of net profit of PJSC Sberbank of Russia for 2010-2016
Thus, in Figure 2, there is a clear uptrend in 2010-2016. If there are no major changes in politics and the economy, and Sberbank of Russia PJSC will work without slowing down, then we can expect that profit next year, 2017, will also grow.
Bibliography:
Sberbank is Russia's largest diversified financial structure, successfully developing commercial banking, investment and private banking business, as well as leasing and asset management. The principles of doing business for the corporation are efficiency, reliability and transparency.
PJSC Sberbank of Russia is one of the largest Russian banks. According to rating studies, PJSC Sberbank of Russia occupies a leading position among Russian banks in terms of assets, capital, corporate and retail loans and deposits. The central office of the Bank PJSC "Sberbank of Russia" is located in Moscow. In the private deposit market, Sberbank owns 50.5%. He also owns 30% of all loans issued in Russia. Sberbank ranks first in the rating of banks in the Russian Federation. As a result of a recent IPO, 33% of the shares were in the hands of institutional investors, and 5% were held by private individuals. 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 of 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. From October 2007 to the present day, Sberbank has been headed by the former Minister of Economic Development German Gref, who, in particular, is going to make the bank's loans more accessible to the population.
Acting in the interests of depositors, clients and shareholders, the Bank strives to effectively invest attracted funds from private and corporate clients in the real sector of the economy, lends to citizens, contributes to the stable functioning of the Russian banking system and saving household deposits.
The goals and subject of activity of Sberbank of Russia PJSC are:
PJSC Sberbank of Russia performs the following banking operations and services:
The main activities of the Bank:
Organizational structure of the department
Basic conditions of the credit policy.
Loans are provided to individuals - citizens of the Russian Federation over the age of 18, provided that the loan repayment period under the agreement:
with differentiated payments - comes before the borrower turns 75 years old;
for annuity payments - limited to the working age of the borrower.
Loans are provided:
local permanent residence(registration) of Borrowers, in case of temporary registration for the period of validity of registration;
at the location of the enterprise - the employer of the Borrower, the client of the Bank, if there is a concluded employment contract for an indefinite period between him and the borrower
Loans in the amount of up to 45,000 rubles, inclusive, can be provided without collateral, over 45,000 rubles, it is necessary to have collateral for the timely and complete fulfillment of obligations by the borrower.
