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Sberbank of Russia

Coordinates: 55°41′55.69″N 37°34′45.54″E / 55.6988028°N 37.5793167°E / 55.6988028; 37.5793167

PJSC Sberbank
Native name
Сбербанк
Public (ПАО)
Traded asMCXSBER
ISINRU0009029540 Edit this on Wikidata
IndustryBanking, Financial Services
Founded1991; 28 years ago (1991)
HeadquartersMoscow, Russia
Key people
Sergey Ignatiev (Chairman of the Supervisory Board)
Herman Gref (CEO, Chairman of the Executive Board)
Productsconsumer banking, corporate banking, finance and insurance, investment banking, mortgage loans, private banking, private equity, savings, Securities, asset management, wealth management, Credit cards
Revenue$40 billion[1] (2017)
$27.7 billion[1] (2017)
$12.8 billion[2] (2017)
Total assets$465 billion[1] (2017)
Total equity$58.9 billion[2] (2017)
OwnerCentral Bank of Russia (51%)
The Vanguard Group (1.63%)[3]
Number of employees
Increase325,075 (2016)[4]
SubsidiariesSberbank CIB
Denizbank
Subsidiaries in various European and post-Soviet countries
RatingBa2 (Moody's), BBB- (Fitch) (2017)[5]
Websitesberbank.com

PJSC Sberbank (Russian: Сбербанк, initially a contraction of "сберегательный банк" – sbyeryegatyelniy bank; English: "savings bank") is a state-owned Russian banking and financial services company headquartered in Moscow. The company was known as "Sberbank of Russia" until 2015. Sberbank has operations in several European and post-Soviet countries. As of 2014 it was the largest bank in Russia and Eastern Europe, and the third largest in Europe, ranked 33rd in the world and first in central and Eastern Europe in The Banker's Top 1000 World Banks ranking.[6]

HistoryEdit

 
Russian President Putin visits a Moscow branch of Sberbank, November 2001
 
Russian coin commemorating the establishment of the first savings banks in the Russian Empire in 1841.

Early historyEdit

Sberbank's history goes back to Cancrin's financial reform of 1841,[7] when a network of the first state-owned savings banks was created in Russia. By the end of the 19th century, the network reached almost 4 thousand outlets with over 2 million depositors.[8]

Since 1905, savings bank outlets became authorised to sell insurance. After 1910, savings banks started subsidising credit cooperation institutions and extending loans to small lenders. In 1915, savings bank outlets started accepting government securities for depositing.[9]

Soviet savings banks systemEdit

After the October Revolution of 1917, the state savings banks system continued its activity and growth under the management of the Finance Ministry of the USSR as the State Labour Savings Banks System. From 1926, the saving bank outlets were used to pay wages to blue- and white-collar workers. The savings banks were used to distribute state lottery tickets and for the placement of state bonds with the population. The savings banks introduced wider services such as money transfers.[10]

By late 1980s, the Soviet savings bank system had almost 80 thousand branches. As part of Perestroika reforms, in 1987 the savings bank outlets are reorganised into the Savings Bank of the USSR. Within the Savings bank of the USSR,[11] separate savings banks were created in the Soviet Republics. Following the dissolution of the USSR, the former republican savings banks became state savings banks of the newly independent post-Soviet states.

In 1991, the Savings bank of the RSFSR has been reorganised into the Joint-Stock Commercial Savings Bank of the Russian Federation (Sberbank of Russia).

Sberbank of RussiaEdit

In post-Soviet Russia, Sberbank is the largest universal bank despite growing competition from private and other state-owned commercial banks. The bank has gradually expanded its international presence.[12]

Since 2007, Sberbank is led by former economy minister Herman Gref.[13]

Volksbank International acquisition, 2011Edit

In 2011, Sberbank acquired Volksbank International AG from its shareholders Österreichische Volksbanken AG, BPCE, DZ Bank and WGZ Bank. The deal included all VBI assets - banks in Slovakia, Czech Republic, Hungary, Slovenia, Croatia, Ukraine, Serbia and Bosnia and Herzegovina, except for Volksbank Romania. The agreed price was €585 to €645 million, depending on VBI business performance in 2011. VBI's total assets excluding Romania was €9.4 billion in June 2011.[14] On 16 December 2013, Volksbank (Ukraine), which was a wholly owned subsidiary of Sberbank, changed its name to «VS Bank» (Ukrainian: ВіЕс Банк).[15][16]

Denizbank acquisition, 2012Edit

In June 2012 Sberbank bought the Turkish DenizBank for Turkish Lira 6,469 billion (about EUR 2,821 billion or US$3.504 billion) from the lender Dexia, which in 2011 was "partly nationalized by the governments of France, Belgium and Luxembourg".[17] The deal included DenizBank subsidiaries in Turkey, Austria and Russia.[18]

US, EU, Switzerland, and Ukraine sanctions: 2014-2017Edit

After the annexation of the Crimean Peninsula by Russia in 2014, the Obama administration imposed sanctions on 12 September 2014, through the US Department of Treasury's Office of Foreign Assets Control (OFAC) by adding Sberbank and other entities to the Specially Designated Nationals List (SDN).[19][20][21][22][23][24][25][26][27][28] This was done in concert with 31 July 2014 addition of Sberbank to the European Union sanctions list.[29][30] Sanctions consist of access restriction to the EU and US capital markets.[31][32][33] After announcement of the sanctions, and by the end of July, Sberbank's market value had dropped the most market value among the world's major lenders plus investors moved $22 billion from Sberbank's market capitalization.[34] Still, during the following year Sberbank's share price grew back 89%.[35] Sberbank together with other Russian banks filed claims with the highest EU court to lift the punitive economic measures.[36]

On 27 August 2014, Switzerland imposed sanctions on Sberbank and other Russian financial institutions.[37]

On 22 December 2015, the United States imposed additional sanctions on Sberbank and its subsidiaries.[38][39][21][22][23][27]

On 17 October 2016, Ukraine imposed sanctions against Sberbank Russia, Sberbank Leasing, and their payment systems Kolibri (Hummingbird), formerly Blitz (Ukrainian: «Колибри» стара назва – «Блиц»).[40][41][42]

On 15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and VS Bank (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbass.[43][44][45]

2017 sale of VS Bank to TihipkoEdit

In December 2017, due to sanctions, Sberbank sold its Ukrainian subsidiary, "VS Bank" (Ukrainian: ВіЕс Банк)[43] to Ukrainian businessman Serhiy Tihipko.[46]

OwnershipEdit

The majority shareholder of Sberbank is the Central Bank of the Russian Federation, owning 50%+1 voting share of Sberbank's voting shares. The rest of the shares are dispersed among portfolio, private and other investors with an estimated shareholding of over 43% held by foreigners.[47]

Russia's central bank cannot sell its stake without a change in Russia's laws.[48][49]

ManagementEdit

The President and Chief Executive Officer is Herman Gref, confirmed by the Board of Directors on 16 October 2007.[50]

Sergei Gorkov joined Sberbank in November 2008 eventually becoming the head of the international operations and the Senior Vice Chairman of the Board from 10 October 2010, until 26 February 2016, when he left Sberbank to become the Chairman of Vnesheconombank (VEB).[51][52][53][54][55] He greatly expanded Sberbank from operations in only two foreign countries, Kazakhstan (2006)[56][57] and Ukraine (December 2007),[56][58] to over twenty countries including Belarus (2009),[56][59] Germany (2009),[56][60] China (2010),[56][61] India (September 2010),[56][62] Switzerland (31 December 2011),[56][63] Austria (acquisition of Volksbank International AG on 15 February 2012; changed name to Sberbank Europe AG on 1 November 2012, with locations in Austria, Bosnia and Herzegovina, Croatia, Czech Republic, Hungary, Slovakia, Slovenia, Serbia, Ukraine, and Germany),[56][64] Bosnia-Herzegovina (20 February 2013),[65] Hungary (31 December 2011; 1 November 2013, as Sberbank Hungary Ltd),[56][66] Croatia (February 2012),[56][67] Czech Republic (20 February 2013),[56][68] Slovenia (28 January 2013),[56] Serbia (24 December 2012),[56][69] Slovakia (15 February 2013),[56][70] and Turkey (acquisition of DenizBank in September 2012).[56][71][72][73] Following Gorkov's departure, Svetlana Alekseyevna Sagaydak (Russian: Светлана Алексеевна Cагайдак) became the new Senior Vice Chairman of the Board.[52]

The Chairman of the Supervisory Board of Sberbank is Sergey Ignatiev, former Chairman of the Central Bank of the Russian Federation.[74]

Formerly from 2003 to 2013 the head of RIA Novosti and from 2006 to 2016 its editor in chief, Svetlana Mironyuk is a vice-president and the head of marketing and communications since 1 February 2016.[75][76]

OperationsEdit

As of 2015 the bank had about 16,500 offices with over 250,000 employees.[77] According to own estimates, the bank had over 137 million retail clients and over 1.1 million corporate clients in its 22 countries of presence.

As of August 2015 it accounted for 28.6% of aggregate banking assets, calling itself "the circulatory system of the Russian economy","key lender to the Russian economy and the biggest receiver of deposits".[77]

Within Russia, Sberbank is structured into several regional divisions (territorial banks):

 
ATM of Sberbank.
 
Sberbank regional head office in St. Petersburg
 
Sberbank sign in Russian and Altai language in Ust-Koksa, Altai Republic
 
Sberbank office in Khabarovsk
 
Sberbank office in Novosibirsk
 
Sberbank office in Tyumen
 
Sberbank in Smolensk
Baikal Bank   Zabaykalsky Krai
  Irkutsk Oblast
  Buryatia
  Sakha Republic
Volga-Vyatka Bank   Nizhny Novgorod Oblast
  Vladimir Oblast
  Kirov Oblast
  Mordovia
  Mari El
  Chuvashia
  Tatarstan
East Siberian Bank   Krasnoyarsk Krai
  Tuva
  Khakassia
Far Eastern Bank   Khabarovsk Krai
  Primorsky Krai
  Amur Oblast
  Sakhalin Oblast
  Jewish Autonomous Oblast
  Magadan Oblast
  Kamchatka Krai
  Chukotka Autonomous Okrug
West Siberian Bank   Tyumen Oblast
  Omsk Oblast
  Khanty-Mansi Autonomous Okrug
  Yamalo-Nenets Autonomous Okrug
West Urals Bank   Perm Krai
  Komi
  Udmurtia
Moscow Bank   Moscow
Volga Region Bank   Samara Oblast
  Ulyanovsk Oblast
  Orenburg Oblast
  Saratov Oblast
  Volgograd Oblast
  Astrakhan Oblast
  Penza Oblast
Northern Bank   Yaroslavl Oblast
  Kostroma Oblast
  Ivanovo Oblast
  Vologda Oblast
  Arkhangelsk Oblast
  Nenets Autonomous Okrug
North Western Bank   Saint Petersburg
  Leningrad Oblast
  Murmansk Oblast
  Kaliningrad Oblast
  Pskov Oblast
  Novgorod Oblast
  Karelia
North Caucasus Bank   Stavropol Krai
  Ingushetia
  North Ossetia-Alania
  Kabardino-Balkaria
  Dagestan
  Karachay-Cherkessia
  Kalmykia
  Chechnya
Siberian Bank   Novosibirsk Oblast
  Tomsk Oblast
  Kemerovo Oblast
  Altai Krai
  Altai Republic
Central Russian Bank   Moscow Oblast
  Tver Oblast
  Kaluga Oblast
  Bryansk Oblast
  Smolensk Oblast
  Tula Oblast
  Ryazan Oblast
Ural Bank   Sverdlovsk Oblast
  Chelyabinsk Oblast
  Kurgan Oblast
  Bashkortostan
Central Black Earth Bank   Voronezh Oblast
  Oryol Oblast
  Lipetsk Oblast
  Kursk Oblast
  Belgorod Oblast
  Tambov Oblast
South Western Bank   Rostov Oblast
  Krasnodar Krai
  Adygea
  Crimea
  Sevastopol

International presenceEdit

 
Sberbank office in Atyrau, Kazakhstan
  Belarus BPS Sberbank
  Ukraine Sberbank
  Kazakhstan Sberbank[78]
  Austria Sberbank Europe
  Croatia Sberbank Europe
  Germany Sberbank Europe
  Bosnia and Herzegovina Sberbank Europe
  Serbia Sberbank Europe
  Slovenia Sberbank Europe
   Switzerland Sberbank Switzerland
  Hungary Sberbank Europe
  Czech Republic Sberbank Europe
  China Sberbank International
  India Sberbank International
  Malaysia Sberbank International
  United States Sberbank CIB
  United Kingdom Sberbank CIB
  Cyprus Sberbank CIB

SponsorshipEdit

 
Presentation of ice climbing in the Olympic Park of Sochi at the 2014 Winter Olympics, sponsored by Sberbank

Sberbank sponsors sports and charity events in various regions of Russia,[79][80][81][82] as well as educational projects[83][84] including projects developing financial literacy.[85][86]

ControversiesEdit

Not returning of citizens' deposits during privatisationEdit

Sberbank is the successor of Soviet saving banks, whose assets belonged to the state.[87] During Russia's transition to a market economy in the 1990s, in which these assets were sold, Sberbank provided no guarantee for citizens' deposits.[88] This resulted in a landslide depreciation, which in turn led to severe discontent among the Russian population.[89] Since 1996, partial compensation for investors' losses has been offered.[90] However, until 2003 this only applied to state-owned banks such as Sberbank, giving them an unfair advantage over fully private banks.[91]

Low level of serviceEdit

In the 2000s, Sberbank was repeatedly blamed for poor service.[92][93] Consequently, in subsequent years, Sberbank has introduced new services[94][95] and improved the quality of some of its existing ones. By the mid-2010s, the bank was reportedly among the market leaders with regards to quality of client services, such as services for retail depositors,[96] premium services[97] and several others.

Laundering stolen money, Prevezon Holdings, and Sergey P. PoymanovEdit

Sergei Leonidovich Magnitsky accused numerous persons and entities of laundering stolen money in tax fraud in Russia.[98] Owned by Denis Katsyv, Prevezon Holdings, represented by Natalia Vladimirovna Veselnitskaya, paid $6 million to resolve the claim without admitting any crime which subsequently led to all charges being dropped by the Justice Department in the summer of 2017.[98] In United States court, Sergey P. Poymanov sued Sberbank, several of its subsidiaries and executives, and a business rival for $750 million, claiming that a valuable gravel quarry he owned was illegally bankrupted and seized by the bank in a corporate raid in 2012. Sberbank says it took the quarry as collateral after Mr. Poymanov failed to repay a loan. Sberbank is retaining Marc Kasowitz for this court case.[98] Poymanov was subsequently arrested by Russian police who then subjected him to harsh pretrial detention at a notoriously rough Moscow jail, Matrosskaya Tishina, which is the same jail where Magnitsky died.[98]

Ukrainian sanctions and vandalism of Sberbank propertyEdit

 
Graffiti "It's a Russian bank" near the department of bank in Oleksandriia, Ukraine

In April 2014, several Ukrainian officials accused Sberbank of funding the 2014 pro-Russian unrest in Ukraine, including alleged terrorism. The bank denied any involvement in the financing of illegal activities on Ukrainian territory, which was later confirmed by an examination carried out by the National Bank of Ukraine.[99]

"It is another instance of aggressive nationalism of neo-Nazi dogma that is gathering momentum in Ukraine and obviously enjoys support of official authorities of the country," the Russian foreign ministry stated.[100] "It seems to be no coincident that the attack on the Russian Center for Science and Culture was stages immediately after Ukrainian President Petro Poroshenko's odious speech at the Munich Security Conference, which was overfilled with anti-Russian pronouncements and openly called fight against the Russian flag across the globe," "Ukraine’s deliberate choice to be one of only two world nations voting against the United Nations General Assembly resolution against glorification of Nazism, neo-Nazism and other discriminatory practices demonstrate which side the current Kiev regime has chosen." the Russian ministry said.[101]

15 March 2017, the president of Ukraine imposed sanctions on Sberbank (and other Russian state-owned banks operating in Ukraine: VTB Bank, BM Bank, Prominvestbank, and «VS Bank» (Ukrainian: ВіЕс Банк)) as part of its continued sanctions on Russia for its annexation of Crimea and involvement in the War in Donbass.[43][44][45] Since then, Sberbank's Ukrainian subsidiary, «VS Bank» (Ukrainian: ВіЕс Банк), has been put on sale.[43] But as of August 2017 it has been unsuccessfully trying to sell the asset after the National Bank of Ukraine blocked the sale of the bank due to a "failure to provide the necessary and sufficient documents to carry out checks on the investors in compliance with Ukrainian law."[43] In 2017 Sberbank was reported to be waiting for approval from the National Bank of Ukraine to sell its Ukrainian subsidiaries. "Everything is prepared on our side. The question is whether we will be given a permission to sell or not by Ukrainian authorities," Herman Gref who is the chairman of Sberbank said on the World Economic Forum held in Davos in January 2018. On 13 December 2017, Sberbank sold another subsidiary, «VS Bank» (Ukrainian: ВіЕс Банк), to a Ukrainian banker, former PrivatBank chairman Sergiy Tigipko.[46][100]

See alsoEdit

ReferencesEdit

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  2. ^ a b "Annual Report 2017" (PDF). Sberbank of Russia. 17 April 2018. p. 129.
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  40. ^ Украина запретила деятельность «Золотой Короны» и других платежных систем из РФ: Украина расширила санкции в отношении РФ, ограничив, среди прочего, деятельность ряда российских платежных систем. Соответствующее решение закреплено указом президента Украины № 467/2016, текст которого и соответствующие санкционные списки размещены на сайте главы государства [Ukraine banned the activities of the "Golden Crown" and other payment systems from the Russian Federation: Ukraine has extended sanctions against the Russian Federation, limiting, among other things, the activities of a number of Russian payment systems. The corresponding decision is fixed by the decree of the President of Ukraine No. 467/2016, the text of which and corresponding sanctions lists are posted on the website of the head of state]. mail.ru (in Russian). Interfax.ru. 18 October 2016. Retrieved 27 February 2018.
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  44. ^ a b Пороше́нко, Петро́ Олексі́йович (15 March 2017). УКАЗ ПРЕЗИДЕНТА УКРАЇНИ №63/2017: Про рішення Ради національної безпеки і оборони України від 15 березня 2017 року ’'Про застосування персональних спеціальних економічних та інших обмежувальних заходів (санкцій)" [DECREE OF THE PRESIDENT OF UKRAINE No. 63/2017: On the decision of the Council of National Security and Defense of Ukraine dated 15 March 2017 "On the Application of Personal Special Economic and Other Restrictive Measures (Sanctions)"]. President of Ukraine website (in Ukrainian). Retrieved 28 February 2018.
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  49. ^ "Сбербанк могут продать без закона". Газета Коммерсантъ. Retrieved 11 November 2015.
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