Sberbank is one of the leaders in the country's banking industry. The institution has an extensive client base and a developed network of branches / ATMs. Today, the organization provides the population with a full range of banking services, works with both individuals and legal entities. Since the policy of the bank largely depends on its management, many citizens are interested in who is the owner of Sberbank of Russia.

Brief history of the bank

Unlike most modern Russian financial institutions, Sberbank was established back in the 19th century. The beginning of the bank's activity is associated with Nicholas I. The decree on the establishment of a savings bank was issued by the emperor in 1841. It contained an indication of the opening of two branches of such cash desks, in Moscow and St. Petersburg, respectively. Soon the decree was put into practice (the first savings account was opened in 1842). By the end of the 19th century, more than 2 million people used the services of cash desks.

Central office of Sberbank

The institution was not liquidated after the establishment of Soviet power. Moreover, the range of services provided by the bank has expanded significantly. Citizens had the opportunity not only to keep their funds, but also to conduct money transfers, as well as use borrowed funds. Toward the end of the existence of the USSR, the bank had more than 79 thousand branches in the republics that were part of the Soviet Union.

In 1991, the institution becomes commercial . The transition to the capitalist system caused significant changes in the policy of the bank. Today, this institution leads the Russian banking market and provides citizens with a full range of financial services. Under the current president of the bank, the institution's client base has exceeded 110 million citizens. Branches of the institution are represented both in Russia and abroad. Modern form organizations of Sberbank - a public joint stock company.

Features of PAO

The full name of the bank is PJSC Sberbank of Russia. A public joint stock company, which is this financial institution, has certain features. The main one is the issue of securities (shares) and their placement on stock exchanges. Thanks to this, the owner of the bank is not one person, but all persons holding shares in a financial institution.

Since the joint-stock company is public (came to replace the open one), characteristic feature The bank's activity is the placement of securities on the stock exchange (ownership of them determines the owner of the bank). Respectively:

1. Access to their purchase is open to all persons who wish to invest in the development of a financial institution.
2. The number of bank shareholders is also not limited in any way (except for restrictions related to the number of issued securities).

PJSC, as a form of organization, also affects the management structure of the bank. She looks like this:

1. The main governing body is the meeting of shareholders, to which all shareholders have the right to attend.
2. Control over the current activities of the bank is carried out with the help of the supervisory board. The shareholders' meeting is held quite rarely (usually once a year).
3. Direct management is entrusted to the board of the bank, which includes the president and chairman (heads of the bank).

Shareholders can receive dividends for holding shares, but the term of their payment depends on the composition of the founding documents.

Who is the owner of the financial institution? Everyone who owns his securities, however, owning a controlling stake (50% of shares + 1 security) provides an opportunity to play a decisive role in making decisions regarding further development jar.

The Bank is committed to high level service to their clients

Founders and shareholders of the bank

The founders are the persons who created the organization. In this capacity, both individuals and legal entities (states, including) can act. Officially, Emperor Nicholas I, who issued a decree on the creation of savings banks, is considered the first founder of Sberbank. After the collapse of the USSR, the Central Bank became the new founder.

The bank's shares were first placed on stock exchanges in 1996 (on the Russian site). At the present stage of development of the institution, its shareholders are both domestic and foreign investors. The main share of shares belongs to legal entities, private capital is used to a much lesser extent.

The distribution of shares between the owners of the bank is as follows:

1. More than 50% of the securities belong to the Bank of Russia.
2. Legal entities are holders of 47.16% of shares. At the same time, non-resident companies own 45.64% of the authorized capital, and domestic legal entities - only 1.52%.
3. Individuals currently hold 2.84% of securities.

The total number of bank shares is more than 22 million. The shareholders are more than 8 thousand individuals and legal entities. A block of shares exceeding 5% of their total number is owned only by the Central Bank (which, thanks to the controlling stake, is actually the head of the PJSC).

Who has a controlling interest

A controlling stake gives the holder the opportunity to resolve issues related to the future activities of the organization at his own discretion. Who is in charge of the financial institution at the moment? The controlling stake is owned by the Central Bank. Government institution owns 50.0036 percent of the securities, which corresponds to the 50% + 1 share rule.

At the same time, the institution owns 52% of the voting shares. All other securities are placed on the market. Considering that other non-state investors do not have a block of shares exceeding 5% of their total number, nothing threatens the leadership role of the Central Bank at the moment.

Bank CEO German Gref

Chairman of the Board

During the existence Russian Federation, four citizens visited the post of general director of Sberbank. The first chairman of the board of a commercial bank was Pavel Ivanovich Zhikharev, who held this position until 1993. Until 2007, two more figures visited this post: Yashin O.V. and Kazmin A.I.

In 2007, the current chairman of the board German Oskarovich Gref, who owns 0.003% of the shares of the financial institution, became the head of Sberbank. Their cost is estimated at more than 2 million dollars. He is also the Chairman of the Board of PJSC Sberbank.

How to buy Sberbank shares

Since Sberbank is a PJSC, any citizen can purchase its shares. You can do this in two ways:

1. Personally visit one of the bank branches and contact the employee with a corresponding request. You need to have personal documents with you.
2. Contact a broker who will buy up shares on the client's order on the MICEX.

Both methods make it possible to become the owner of bank shares. However, when using a broker, you will have to spend money to pay for his services. Meanwhile, when buying a large number of securities, it is recommended to contact exactly such specialists.

Sberbank of Russia is in first place in the Russian ranking of banks in terms of assets, its share is 28.7%. Sberbank” and in terms of the volume of deposits of individuals, as well as the size of the loan portfolio (both corporate and retail).

In 2013, net profit amounted to 392.6 billion rubles, which is 13.4% higher than in 2012. According to this indicator, Sberbank is in first place.

Shareholders of Sberbank

According to the organizational form, Sberbank is joint stock company. The shares have been traded on the Russian exchange since 1996. Today they are listed on the RTS and MICEX exchanges. American Depositary Receipts are listed on the London Stock Exchange, admitted to trading on the Frankfurt Stock Exchange and on the OTC market in the USA.

The founder and main shareholder is the Central Bank of the Russian Federation (Bank of Russia), which owns 50% of the authorized capital + one voting share. At the end of 2013, the share of the Central Bank of the Russian Federation was 52.32%. The remaining shares are in public circulation - they belong to Russian and foreign investors (47.68%).

Largely due to the dominant share of the Central Bank of the Russian Federation, the international agency Fitch assigned in early 2014 a long-term rating of Sberbank at BBB (outlook - stable). National ranking confirmed at 'AAA(rus)' (outlook - 'stable'). The agency believes that this contributes to the growth of reliability and the maintenance of a stable position by the bank in the market.

Many believe that G. Gref is the owner of Sberbank. In fact, he performs administrative functions and the role of manager. G. Gref is the chairman of the board of the bank. The bank's board of directors consists of 15 people in total. Although G. Gref owns a certain number of shares, he owns only about 0.002961% of the shares

In 2013, Sberbank paid remuneration to members of the boards of directors in the amount of 2.38 billion rubles, which is 20% more than in 2012.

How to buy shares of Sberbank

Every citizen can become a shareholder and owner of a small share in Sberbank. Today, Sberbank is one of the strongest investment ideas on the Russian market, as its shares trade above the market average.

By law, Russian individuals are prohibited from buying shares directly. This can be done only through specialized professional market participants - brokers. It is necessary to conclude an agreement with them, open a brokerage account, and then start making transactions on the stock market. The most convenient way to buy shares is through online trading. For each transaction, the broker will withhold a commission - about 100 rubles.

Advice 2: How many percent of the shares of Sberbank of Russia belong to the state

The largest bank in Russia today is considered to be Sberbank of Russia OJSC. Many people, of course, assume that he has become a monopoly in the banking market, but at the same time, most people consider him to be universal, as he offers his customers a variety of services. In addition, most investors associate it with a reliable institution that is fully controlled by the state.

Basic data on the owners of JSC ""

Today, by going to the official website of the bank of Sberbank of Russia OJSC, you can find out that half of the shares (50% and plus one more voting share) belong to the Central Bank of the Russian Federation, which means that this amount is directly in power states. The rest is concentrated in the hands of legal entities or individuals. So, the share of an individual accounts for 9%, and foreign investors won more than 24%.

If we turn to history, since 1996, stock trading has been carried out on the RTS and MICEX exchanges. And already in 2007, Sberbank OJSC placed another part of the shares, thanks to which it managed to achieve an increase in the authorized capital of Sberbank by as much as . Today the bank is managed by:
- supervisory board;
- General Meeting of Shareholders;
- .

Today, the Supervisory Board of Sberbank has very real powers. So, he makes, for example, a decision to dismiss the chairman of the board, however, only after his official dismissal.

Many, mistakenly, believe that this bank is its direct owner, but in fact, only administrative functions are assigned to it. It is worth noting that it is precisely those people who use any services of Sberbank OJSC that can call themselves the "owners" or "creators" of this banking giant. The state, for its part, performs a control function, ensuring the safety and integrity of deposits, the legality of credit operations and is engaged in regulating the activities of the financial nature of this bank.

Will the state's stake in Sberbank be reduced?

Presidents and Chairman of the Board of the Savings Bank today is German Oskarovich Gref, formerly the Minister of the Russian Federation.

As for the reduction of the state's share in the bank, this was mentioned back in 2012. The proposal to reduce the state's share was positively received by the leaders not only of Sberbank, but also of other banking institutions. But for this to be possible, it will be necessary to make significant changes to the law. And since this process is very protracted (years can be spent), we should not expect this year 2014 that the state's share in the authorized capital will be reduced.

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The Federal Bank has a second name - the Federal Reserve Bank. This bank was first created in the USA, and now there are banks with this status in Russia.

The word "federal" is closely related to the word "state". These two concepts have a similar definition, so the Federal Bank in other words can be characterized as a bank owned by the state.

Federal bank: definition

There are several federal banks in the Russian Federation, each of which is part of the system of the Central Bank of the Russian Federation. In total, each of these banks forms a centralized system with a vertical structure of government. Banks of this type are formed exclusively on the basis of state ownership. With a certain frequency, each branch submits a report to the Federal Assembly and the State Duma of the Russian Federation.

The system is managed by the Board of Directors, which consists of 12 members and a manager appointed by the President of the Russian Federation. In turn, he chooses 12 people of the council. He necessarily coordinates his choice with the President. This composition is re-elected every 4 years.

Functions of departments of the Federal Bank

Federal banks of Russia have a number of obligations:

• carry out instructions of the Central Bank;
• monitor the balance between commercial credit organizations and national banks;
• protect the credit rights of individuals and legal entities;
• monitor price stability;
• control rates on loans and other loans.

In Russia, the most well-known representatives such banks are:

• Agrosoyuz.
• Baltic Bank.
• Development-Capital.
• Continental.
• United Bank of the Republic.
• Stavropolpromstroybank.

Phones and other contact details of the branches of the Federal Bank can be obtained from the unified state help desk. As of 2011, the number of branches of the Federal Bank began to decline sharply.

In addition to the divisions of the Federal Bank, the system of the Central Bank of the Russian Federation includes other objects: territorial branches of the Federal Banks, educational organizations, field organizations, cash settlement centers, branches of federal banks. Each organization has its own tasks and goals.

The purpose of the branches of the Federal Bank

Each branch has its own board of governors, the composition of which is approved by the bank's management. Branches take part in the implementation of uniform monetary policies, but the main purpose of each branch is to maintain the smooth functioning of the banking system.

There are field organizations to service military units. They report immediately to two higher authorities: the Bank of Russia and the Ministry of Defense of the Russian Federation. They are additionally required to comply with military law.

Sources:

• federal bank
• Federal banks in Russia

Sberbank today is the largest bank in Russia, one of the leading international financial institutions. This is the most expensive Russian brand, included in the top 25 brands in the world.

Sberbank has 12 territorial banks responsible for the operation of more than 14,000 branches in 83 constituent entities of the Russian Federation. The bank's foreign network consists of subsidiaries, branches and representative offices in 22 countries, including the Russian Federation, Turkey, Great Britain, the USA, as well as the regions of the CIS, Central and Eastern Europe.

Sberbank is one of the top 5 largest employers in Russia, it is a source of income for every 150th Russian family.

Over 150 million customers use the services of Sberbank worldwide. At the same time, the number of active retail clients in Russia is about 92 million people, and corporate - over 2.4 million.

Sberbank accounts for more than 30% of the country's total banking assets. Accumulating about 45% of deposits of individuals, it acts as the main creditor of the Russian economy and private clients. Of the total amount of funds issued to individuals, Sberbank accounts for more than 41%. The share in the corporate loans market is approaching 34%, in the mortgage lending market - 56%.

In an effort to make customer service convenient, modern and always available, Sberbank is improving the system of remote channels. About 61 million people actively use Sberbank's Internet banking in various channels. At the same time, the Mobile Bank SMS service has about 30 million active users, the Sberbank Online mobile application has 39 million people, and the Sberbank Online website is used by about 25 million people (several channels can be used simultaneously).

Sberbank is the largest issuer of bank cards. For example, they have issued over 122 million debit cards. The bank has one of the world's largest networks of ATMs and self-service terminals with 75,000 devices.

The Bank serves all groups of corporate clients. Its corporate investment business Sberbank CIB was recognized as the most innovative investment bank in Central and Eastern Europe in 2018. It helps to implement large-scale projects in all sectors of the economy, offering customers complexly structured products.

Sberbank pays special attention to small businesses. Clients have access to quick settlements within the bank (3-5 minutes); they are provided with a wide range of support services - from free CRM and online accounting to guaranteed settlements. The "Easy Start" package of services without a subscription fee and with a number of free options for start-up entrepreneurs has gained great popularity. Smart loans are developed taking into account individual features borrowers. More than one million entrepreneurs receive reference and information assistance and support in resolving issues in the field of compliance and foreign economic activity, as well as other consulting services.

The Bank is an active participant in most small and medium-sized business support programs implemented by government institutions: Ministry of Economic Development of Russia, Ministry Agriculture, SME Corporation, etc. The bank's share in the lending market with state support for small and medium-sized businesses (subsidies, guarantees / guarantees) is more than 30%.

More than 1.8 million companies use the Sberbank Business Online Internet bank for entrepreneurs (winner of the Red Dot Award). 99.6% of transactions are carried out electronically.

Sberbank is at the forefront of digitalization. The company's own technological platform is being successfully transformed, and the largest industrial IT system is being created. The bank has nine innovative laboratories in such key areas as: artificial intelligence and machine learning, virtual and augmented reality, Blockchain, Internet of Things, robotics, process robotization and gamification.

In 2017, Sberbank adopted the Development Strategy until 2020. Its main goal is to reach a new, digital level, which makes it possible to compete with global technology companies, while remaining the best bank for individuals and businesses. In the course of implementing the strategy, Sberbank will create a financial ecosystem of convenient online services in a variety of client areas: medicine, real estate, and trade. At the same time, Sberbank will offer partners to use their own cloud platforms for developing the necessary programs for their own purposes.

Sberbank's new strategy is based on three priorities:

• The Best Customer Experience and Ecosystem provides for the creation of the best financial products and services, the development of modern and convenient channels, and the building of an ecosystem to meet the non-financial needs of Sberbank customers;
• "Technological leadership" includes the reliability and efficiency of the bank, creating a new platform, providing security for customers, positioning Sberbank as a company driven by data and algorithms, and continuous innovation;
• "People of new quality in effective teams" - meaning new system motivation and training of Sberbank employees, new skills and competencies of existing bank employees, the “team instead of hierarchy” approach to personnel management, as well as the improvement of HR processes.

International network

The Group's geography covers 22 countries, including the Russian Federation. In addition to the CIS countries, Sberbank is represented in Central and Eastern Europe (Sberbank Europe AG, formerly Volksbank International) and Turkey (DenizBank).

Sberbank also has representative offices in Germany and China, and a branch in India. In 2013, the official launch of the Sberbank brand in Europe took place.

The corporate and investment business of Sberbank CIB Group 1 has its own offices in New York, London and Nicosia, which operate on global markets and specialize in brokerage and dealer services on foreign exchanges and for foreign clients. The subsidiary bank Sberbank (Switzerland) AG is a platform for transactions in trade finance and structured lending, operates in global markets and provides transactional services to clients.

In today's Sberbank, almost nothing reminds of the savings banks, the functions of which it performed throughout a significant period of its history. But something else is surprising: Sberbank already bears little resemblance even to itself just ten years ago!

The ability to change and move forward is a sign of the excellent "sports" shape that Sberbank is in today. The title of the oldest and largest bank in Russia does not prevent it from openly and honestly competing in the banking market and keeping abreast of financial and technological changes. Sberbank not only keeps pace with current trends market, but also ahead of them, confidently focusing on rapidly changing technologies and customer preferences.

Banking sector leader

Sberbank today is the circulatory system of the Russian economy, a third of its banking system. The bank provides a job and a source of income for every 150th Russian family.

The leader of the Russian banking sector in terms of total assets accounts for 28.7% of total banking assets (as of January 1, 2016).

The Bank is the main creditor of the Russian economy and holds the largest share in the deposit market. It accounts for 46% of household deposits, 38.7% of loans to individuals and 32.2% of loans to legal entities.

Sberbank today is 12 territorial banks and more than 14 thousand branches throughout the country, in 83 constituent entities of the Russian Federation, located on the territory of 11 time zones.

In Russia alone, Sberbank has more than 110 million customers - more than half of the country's population, and about 11 million people use Sberbank's services abroad.

The range of Sberbank services for retail clients is as wide as possible: from traditional deposits and various kinds lending to bank cards, money transfers, bank insurance and brokerage services.

All retail loans at Sberbank are issued using the Loan Factory technology, which was created to effectively assess credit risks and secure High Quality loan portfolio.

In an effort to make the service more convenient, modern and technologically advanced, every year Sberbank improves the possibilities of remote management of customer accounts. The bank has created a system of remote service channels, which includes:

• Sberbank Online mobile applications for smartphones (more than 40 million active users);
• Sberbank Online web version (13 million active users);
• SMS-service "Mobile Bank" (more than 23 million active users);
• one of the world's largest networks of ATMs and self-service terminals (more than 90 thousand devices).

In addition, Sberbank Online was recognized as the best online retail banking in Central and Eastern Europe according to Global Finance magazine in 2014 and 2017, and was also recognized as the best bank in Russia according to the results of a study conducted by this magazine in 2015.

Sberbank is the largest issuer of debit and credit cards. The joint bank, established by Sberbank and BNP Paribas, is engaged in POS lending under the Cetelem brand, using the concept of "responsible lending".

Among the clients of Sberbank are more than 1 million enterprises (out of 4.5 million registered legal entities in Russia). The bank serves all groups of corporate clients, with small and medium-sized companies accounting for more than 35% of the bank's corporate loan portfolio. The rest is lending to large and largest corporate clients.

Sberbank today is a team of more than 260,000 qualified employees working to turn the bank into the best service company with world-class products and services.

International network

Sberbank today is a powerful modern bank that is rapidly transforming into one of the world's largest financial institutions. IN last years Sberbank has significantly expanded its international presence. In addition to the CIS countries (Kazakhstan, Ukraine and Belarus), Sberbank is represented in nine countries of Central and Eastern Europe (Sberbank Europe AG, formerly Volksbank International) and in Turkey (DenizBank).

The acquisition of DenizBank was completed in September 2012 and was the largest acquisition in the Bank's more than 170-year history. Sberbank of Russia also has representative offices in Germany and China, a branch in India, and operates in Switzerland.

In July 2014, Sberbank took first place among banks in Central and Eastern Europe, as well as 33rd place in the overall standings in the annual rating of the TOP 1000 Banks of the World, published by The Banker magazine.

Sberbank took first place among the banks of Central and Eastern Europe in the published rating of the top 1000 largest banks in the world by the British magazine The Banker, compiled on the basis of financial statements for 2017.

Shareholders

The main shareholder and founder of Sberbank of Russia is the Central Bank of the Russian Federation, which owns 50% of the authorized capital plus one voting share. Other shareholders of the Bank are international and Russian investors.

The bank's ordinary and preferred shares have been listed on Russian stock exchanges since 1996. American Depositary Receipts (ADRs) are listed on the London Stock Exchange, admitted to trading on the Frankfurt Stock Exchange and on the OTC market in the United States.

General license of the Bank of Russia for banking operations 1481. The official website of the Bank - www.site.