Possesses rich history and impeccable reputation. This is a serious, stable bank, trusted by millions. Sberbank of Russia is always nearby!
For a long history of development, the bank has managed to maintain the main qualities and today is a clear indicator of professionalism. It's modern financial enterprise which follows the best traditions. That is why more and more Russians prefer it.
Sberbank of Russia takes an active part in all aspects of the life of the population. It is familiar to both young people and older people. The once famous savings banks and passbooks are still associated with stability and reliability. The current generation is well versed in existing proposals on the financial market countries and chooses the best options for themselves.
The question of investing money worries many. It is important to properly manage your funds and choose a reliable partner. Sberbank of Russia maintains its stability under any circumstances. Thanks to flexible programs and loyal conditions, it has gained popularity among the population. Savings bank Russian Federation has all over the country. You can find contact details of the main branch and representative offices in the regions, as well as details and directions on our website.
For the convenience and comfort of customers, our website was created as information resource. With its help, you can quickly navigate through the many services provided by Sberbank of Russia. Here you will find practical recommendations, advice, get the necessary links, information about branches, their location, contact details. On our site you can get acquainted with the services provided, here are collected all the current offers and client programs.
Sberbank online is a great opportunity to make a lot of money without leaving your home financial transactions: pay utilities, instant transfers anywhere in the world and much more. This service will appeal to everyone who values their time and efficiency. We invite you to familiarize yourself with the instructions for connecting this service and its benefits.
The history of Sberbank of Russia begins with the personal decree of Emperor Nicholas I of 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, specialized bank labor savings and lending to the population - Sberbank of the USSR, which also worked with legal entities. The structure of the Savings Bank of the USSR included 15 republican banks, including the Russian Republican Bank.
In July 1990, by a resolution of the Supreme Council of the RSFSR, the Russian Republican Bank of the Sberbank of the USSR was declared the property of the RSFSR. In December 1990, it was transformed into a joint stock commercial Bank, which was legally established at the general meeting of shareholders on March 22, 1991. In the same 1991, Sberbank became the property of the Central Bank of the Russian Federation and was registered as a joint-stock commercial Savings Bank of the Russian Federation.
In 1998, Sberbank managed to default on GKO-OFZs, largely due to the support of the Central Bank of the Russian Federation and the increase in commissions for settlement service. At that time, the share of government debt in the bank's assets was 52%, and loan portfolio accounted for only 21% of net assets.
In September 2012, the Central Bank of the Russian Federation sold a 7.6% stake in Sberbank to private investors for RUB 159 billion, or nearly $5 billion. Ordinary and preferred shares of the bank have been listed on Russian stock exchanges since 1996, American Depositary Receipts (ADRs) - on the London Stock Exchange. stock exchange, the Frankfurt Stock Exchange and the OTC market in the USA.
In 2012, Sberbank closed a deal to merge with investment company Troika Dialog (transformed into the corporate investment structure Sberbank CIB, and Troika Dialog retail bank was sold to a group of private investors in autumn 2013).
Also in 2012, a deal was closed for the purchase by Sberbank from the French group BNP Paribas of a majority stake in its subsidiary Russian retail bank (now the joint venture operates as Cetelem Bank, Sberbank's share of 79.2% has not changed since May 30, 2018).
In 2013, the official launch of the Sberbank brand in Europe took place. The deal to purchase DenizBank was completed in September 2012 and was the largest acquisition in the bank's more than 170-year history. However, in May 2018, Sberbank entered into a binding agreement to sell the business in Turkey. In July 2019, the deal to sell DenizBank was closed.
Sberbank accounts for about 41% of all loans individuals, as well as more than a third of private deposits and loans legal entities in Russia. Back in 2012, Sberbank overtook the former leader in the credit card segment - Russian Standard Bank. The share of Sberbank's mortgage portfolio in the structure of such a portfolio as a whole banking system is about 57%.
Sberbank ranks 32nd in the world in The Banker's annual ranking of 1,000 Largest Banks in the World 2019.
As of August 1, 2019, the net assets of the credit institution amounted to 28.83 trillion rubles, the volume of own funds - 4.30 trillion rubles. According to the results of the first half of 2019, the bank shows a profit of 519.67 billion rubles.
Branch network:
head office (Moscow);
2 representative offices (Beijing, China; Frankfurt am Main, Germany);
89 branches (88 in Russia, 1 in New Delhi, India);
13,220 additional offices;
578 operating offices;
285 mobile points of cash transactions;
90 operating cash desks outside the cash desk.
The geography of Sberbank Group covers 21 countries, including the Russian Federation. In addition to the CIS countries, Sberbank is represented in the Central and Eastern Europe(Sberbank Europe AG, formerly Volksbank International), Great Britain and the USA, Cyprus and a number of other countries (corporate investment business of the Sberbank CIB Group).
Owners:
Bank of Russia (CBR) – 50.0% + 1 share;
shares in public circulation - 50.0% - 1 share.
A share of 45.04% (shares in public circulation) belongs to non-resident legal entities. The total number of bank owners exceeds 253 thousand shareholders.
Supervisory Board: Sergey Ignatiev (Chairman), Gennady Melikyan, German Gref, Sergey Shvetsov, Nadezhda Ivanova, Bella Zlatkis, Olga Skorobogatova, Maxim Oreshkin, Valery Goreglyad, Nikolai Kudryavtsev, Leonid Boguslavsky, Alexander Kuleshov, Esko Aho, Nadia Wells.
Governing body: German Gref (Chairman, President), Alexander Vedyakhin, Lev Khasis, Oleg Ganeev, Bella Zlatkis, Svetlana Kirsanova, Stanislav Kuznetsov, Alexander Morozov, Anatoly Popov.
Sberbank of Russia is the largest bank in our country, which has representative offices and branches in every city of the Russian Federation. It is Sberbank that provides the widest range of services to individuals and to corporative clients. The peculiarity of the bank is that it is here that about 70% of all banking clients, respectively, the level of its service meets the highest requirements of a private client. However, we will consider in order all the services of Sberbank for individuals today.
At all times customer credit was one of the most popular banking products. In Sberbank, individuals have the opportunity to apply for a general purpose loan in the amount of up to one and a half million rubles. The bank offers several loan programs with different interest rates:
As you can see, the rates on non-targeted consumer loans are quite low, and the bank gives more preference to payroll clients, it is for them that the minimum annual percentage. The annual rate will be increased if the borrower refuses to insure personal risks.
Please note that for each potential borrower, lending conditions are strictly individual and will depend on many factors.
Sberbank specializes in issuing mortgage loans, it is he who is the leader in issuing loans for the purchase of housing. There are several programs for potential borrowers:
You can apply for a mortgage loan without leaving your home on the official website of the bank. Application processing time can be up to 5 working days. Here, mortgages are available for citizens of the Russian Federation aged 21 to 65 inclusive.
Sberbank offers individuals a service such as refinancing loans from other banks. This service is beneficial for you clients who pay loans in other banks with a high interest rate or have several loans in different banks. The essence of refinancing is that Sberbank repays the client's loans at the expense of his credit funds, after which the borrower pays only one loan to Sberbank. The benefit of the service is that the interest rate on a refinancing loan is several points lower than the rates in other banks. In addition, there is an opportunity to receive funds for urgent expenses.
Please note that refinancing of a loan from other banks is only available for clients who do not have current overdue debt.
Credit and debit cards are always in high demand among individuals. Sberbank offers a wide range of plastic cards that can meet the needs of each client. Here you can issue a card from payment Visa systems, MasterCard and Mir. Depending on the level of income, the bank offers classic, gold platinum cards. In addition, here the client can issue a co-branded card, for example, Sberbank Aeroflot Bonus, or take part in the Gift of Life charity program.
The main advantage of Sberbank is that it offers its users to issue a card with individual design. The cost of this service is only 500 rubles. By the way, one cannot fail to say what exactly in Sberbank can be issued debit card for minors over 7 years of age. Her account will be linked to the main card of her parents. And also here you can get an instant issuance card in just 15 minutes.
Please note that the cost of servicing a plastic card depends on several factors, primarily on its status.
Surely every potential client is interested in the opportunity to make money with Sberbank. And here such an opportunity is provided. Here you can open a deposit on favorable terms, the bank offers several deposit offers with different terms of service and interest rates. In addition, the bank's card customers have the opportunity to receive more high percent on a deposit when opening an account remotely, through Sberbank online.
You can also open a nominal account at Sberbank for crediting social benefits. Its peculiarity is that it has no time limits, and also allows its users to receive up to 3.67% in rubles on the account balance. There is no minimum balance limit. The bank offers the following investment services to private clients:
What are investment services of Sberbank for individuals. First of all, this is a real opportunity to earn additional funds. If to speak in simple terms, then the bank takes the money of its clients in trust management, and invests their reliable projects, which in the future brings passive income investment owner.
The bank offers such a service as an individual pension plan, that is, in fact, it is a non-state Pension Fund Sberbank. Individuals have the opportunity to independently form the funded part of their future pension. To use this service, it is enough to open an account remotely, then sign an agreement that the bank employees will send to the email address, and deposit an amount from the card of at least 1,500 rubles, in the future the account can be replenished by at least 500 rubles at a time.
Important! The funds on the pension account are securely protected, they are not subject to arrest and recovery.
Brokerage services of Sberbank to individuals have recently become quite popular. First of all, it should be noted that an individual does not have the opportunity to become a private investor without intermediaries, or rather, to invest his capital in securities. Here the bank offers unique opportunity conclude a service agreement and become a full participant in trading on the Moscow Exchange.
The cost of brokerage services of Sberbank for individuals ranges from 0.165% to 0.006%, depending on the amount of the transaction. It should be noted that the service is carried out at each office of Sberbank, to date, 180,000 private investors have used the service. In order to become a client, you just need to contact any branch of the bank and conclude an agreement.
Sberbank of Russia provides an opportunity to pay for various services in several ways: using remote services, bank cash desks or self-service devices. You can make the following payments:
If you are a bank card client, then it is possible to make all payments online through the Sberbank online system. Tariffs for Sberbank services for individuals are quite loyal; in order to make payments to state and non-state organizations, you will have to pay a commission of 3%, for utilities and mobile phone There is a 2% commission. When paying for a loan at Sberbank, as well as a transfer to charity, no commission is charged for tax fees.
Important! Minimum size commission fees is at least 20 rubles.
The services of Sberbank of Russia provided to individuals are quite diverse. For example, here, in addition to the standard cash deposit, you can open a metal account. The essence of the service is that you buy precious metal or coins from precious metals from Sberbank and make a profit in the form of a difference in value. Among other things, you can pick up the metal in an ingot or receive it in monetary terms.
Sberbank also provides services for renting bank cells at an affordable cost. Unfortunately, not all Sberbank banks have specialized premises with bank safes, so this information should be clarified in advance. The cost of rent depends on several factors, primarily on the size bank vault and period of use.
You can not ignore the services of the bank for insurance. The Bank offers several types of insurance, namely: personal risk, property, travel and comprehensive insurance. On the official website of the bank, you can choose the type of protection that you or your relatives need. The cost of the policy and the amount of insurance coverage directly depends on the set of insurance risks. You can buy a policy directly at the office financial institution or online on the bank's website. But at the same time, it should be borne in mind that the service is provided by Sberbank Insurance, which is a 100% subsidiary of Sberbank of Russia.
Finally, another service Sberbank provides to individuals is remote services: Internet banking and SMS informing. First of all, these services are available for plastic card users. To get access to them is quite simple, you need to get started plastic card, then connect all services to a Sberbank branch or through an ATM.
As for the cost of remote services, no fee is charged for Internet banking. In addition, if you have access to your personal account in the system, then it is possible to download for free mobile app Sberbank Online and has access to your personal account at any time of the day, regardless of location. For SMS-informing Mobile bank you will have to pay a symbolic cost, which ranges from 0 to 60 rubles. For gold and credit cards, the payment is 0 rubles.
Sberbank has been providing services to individuals for over 100 years. Moreover, it really offers the widest range of services for individuals. By the way, if you want to become a bank client, you can find a description of each service and its cost on the official website.
open joint-stock company Sberbank of Russia is the largest bank operating in Russia and the CIS countries, having the widest network of its branches. Sberbank of Russia offers its clients a wide range of financial products, banking services and investment programs.
The first largest bank was founded in Russia in 1841 by decree of the Emperor of All Russia Nicholas I. The decree spoke about the opening of people's savings institutions, and the first of them was opened already in 1842 in St. Petersburg.
In 1987 on the basis of the Data of the Russian Savings Banks, the Sberbank of the USSR was established as a bank of labor savings and lending, working both with individuals and with legal entities. Sberbank of the USSR included in its structure 15 banks of all Union republics, including the Russian Republican Bank.
In 1990 The Russian Republican Bank became the property of the Russian Federation. Already in December 1990, it was transformed into a joint-stock commercial bank, established on March 22, 1991. general meeting shareholders.
In 1991 Sberbank became the property of the Central Bank of Russia and was renamed and registered as a joint-stock commercial Savings Bank of the Russian Federation.
1998 default Sberbank managed to survive thanks to strong support from Central Bank Russia.
In 2012 7.6% of Sberbank shares were sold Central Bank Russian Federation to private investors. So far, the Central Bank itself remains the controlling shareholder. Minority shareholders of Sberbank today are more than 226 thousand legal entities and individuals, among which there are foreign investors. Foreign investors own 44% of Sberbank's shares.
In 2012 Sberbank of Russia merged with the investment company Troika Dialog, which later transformed into a corporate investment structure Sberbank CIB). In the same year, Sberbank bought a majority stake in a Russian subsidiary of the French group BNP Paribas with a 74% stake. This bank is now known as Cetelem Bank.
The Supervisory Board of Sberbank of Russia includes: Chairman Sergei Ignatiev, German Gref, Sergei Guriev, Bella Zlatkis, Nadezhda Ivanova, Alexei Kudrin, Ilya Lomakin-Rumyantsev, Georgy Luntovsky, Vladimir Mau, Alexei Moiseev, Alessandro Profumo, Sergei Sinelnikov-Murylev, Dmitry Tulin, Alexei Ulyukaev, Ronald Freeman, Sergey Shvetsov, Ahmet Egilmez.
Members of the Board of Sberbank of Russia: German Gref (Chairman, President), Maxim Poletaev, Lev Khasis, Sergey Gorkov, Andrey Donskikh, Bella Zlatkis, Stanislav Kuznetsov, Vadim Kulik, Alexander Morozov, Alexander Torbakhov, Alexander Bazarov, Denis Bugrov, Olga Kanovich, Nikolai Tsekhomsky.
Retail clients of Sberbank of Russia can use banking products and services of the widest range - these are deposits, and the most different forms lending, bank cards, bank insurance, brokerage services, Money transfers.
Corporate clients of Sberbank of Russia can use settlement services, deposits, trading, project and export finance, money management services, other financial products of the bank.
Sberbank of Russia offers deposits for individuals with favorable rates by percentage. Ruble and currency deposits. To open any deposit in Sberbank, you must write an application online or contact any branch of the bank.
Lending to individuals with favorable interest rates at money loans – convenient options consumer loans in Sberbank. You can apply for a consumer loan at any Sberbank office or online.
An application for a car loan at Sberbank of Russia can be issued at any branch of the bank, or online.
Application for mortgage can be issued at any branch of the bank or online. Mortgage credit lending with various interest rates and conditions - all options.
Loans are issued to participants of small and medium-sized businesses, as well as individual entrepreneurs to start or develop a business.
Sberbank of Russia is the very first credit institution in the country. More than 50% of Russian citizens are clients of the financial institution. Like others credit organizations, Sber has its own website.
Most of the bank's clients use its services in the traditional form. The official website of Sberbank allows you to perform almost the same operations much faster, without queues and delays. Let's find out what functionality the Sberbank website has, how the client can find the necessary data, etc.
The conservative approach to the provision of services is also reflected in the design of the official website of Sberbank, which is located at: www.sberbank.ru. A discreet page design can give odds to any other bank. Ease of use is hidden behind external unsightliness. Official website of Sberbank is one of the simplest, and most importantly, user-friendly. Here it is easy to find information of interest, whether it is data on the products provided or tariff plans, which cannot be found on many sites of other banks in the afternoon with fire.
The main page of the official website of Sberbank consists of several "headers". The top one is the category of clients for whom the entire list of services provided has been prepared.
When you select any product, it opens detailed description. In addition to standard conditions, here you can also find out how to get a loan, what documents to bring to the bank, what requirements are set for borrowers, etc.
Here you can familiarize yourself with the loan agreement, read the specific conditions in the rules for granting, learn about ways to repay debt, etc. One page contains a maximum of information on one specific product, when, like on many sites of other banks, all data is scattered across different pages and tabs. For this, the site receives a definite plus.
For convenience, you can calculate the loan on a special loan calculator Sberbank. Using it is not so convenient, because there are too many mandatory fields to fill in and half of them are absurd, for example, indicating gender. This factor may affect the decision on the application, but at the preliminary calculation stage it seems absurd. Here you can see only the amount of the monthly payment, bypassing such important data as total cost loan.
The "Pay and transfer" tab will help customers learn about payment methods for housing and communal services, cellular communications, the Internet, fines, loan payments, etc. Here are the commission rates for each transaction depending on the payment method (Internet banking, ATMs, mobile application, etc.) This tab also contains detailed conditions on money transfers within the country and abroad.
The “Invest and Earn” tab will help the client figure out the choice of the appropriate service that Sberbank can provide (brokerage services, mutual funds, etc.). Information about coins for sale is also presented here.
The “Insure yourself and property” tab will allow an existing or potential client to insure an apartment, debit or credit card, life and health.
There are very handy widgets on the main page of the site. For example, a currency converter, where you can calculate dollars in rubles or another currency online at the bank rate; see the current exchange rate of the euro / dollar against the ruble, precious metals.
Sberbank was one of the first to develop a special project called "Finance is simple." Here everyone can learn more about the standard banking services and products in simple instructions and colorful pictures.
On the official website of Sberbank, everything is on point, everything is in its place. It will be easy for the user to find the necessary information on any product of the bank. The entrance to Internet banking is in the most prominent place - at the top of the main page. Below is a site map, where you can find the right product even faster.
But the biggest plus for Sberbank can be given for the fact that on each page of any product there are specific documents on it (exact conditions, tariff plan, contract, etc.) Unfortunately, banks on their websites colorfully describe the same loans, indicating only summary information. And to find the details, you have to look for the relevant documents for a long time. Sberbank, on the other hand, does not hide or “hide” anything, on the contrary, it puts everything on display. A plus for honesty.
Find contact information Sberbank on its official website is quite simple. Phone number hotline for free calls from any phone is indicated in the header of the main page of the site. The support number for Moscow and Moscow Region is also indicated here, you can find all branches in a particular city.
At the bottom of the main page there is a special widget that automatically finds the nearest branch, ATM or terminal in your city. The user just needs to enter a street or metro station, select a service point and click the "Find" button.
Bank details (BIC, TIN, correspondent account, etc.) are located in the bottom menu of the main page in the "About Bank" - "Details" tab.
This page only provides information about the services and products of Sberbank and is in no way connected with the bank itself. All logos belong to their respective owners. This page only informs about the services of Sberbank. Specify the exact conditions for products, tariffs at the branches of Sberbank.
