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Investor Presentaiton

SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT IMPROVING PRODUCT AND SERVICE QUALITY 2011 SBERBANK PRODUCTION SYSTEM. VERSION 2.0. In 2009, the Bank embarked on a new major project - the Sberbank Production System (SPS). The project focused primarily on orienting the Bank's business towards customer needs and ensuring a continu- ous improvement in the quality of customer service by, among other means, enhancing internal business processes. In 2011, the Bank optimised 127 business processes, achieving an 11.5% increase in workforce productivity. SPS ROLLOUT INDICATORS Indicator 2011 Total Number of Sberbank organisational units where SPS has been implemented (including regional banks) 1,692 6,240 154 Staff size of Sberbank organisational units where SPS has been implemented (including regional banks) 27,460 101,272 Number of employees who received training under SPS programmes Λ Overall financial benefit from SPS implementation, RUB billion 30,469 88,889 2.9 30.0 % THE IDEAS EXCHANGE AND CROWDSOURCING We believe that innovation and the adoption of state-of-the-art solu- tions are the main factors ensuring steady growth for any financial services business. The introduction and active use of advanced tech- nologies and management methods helps us continuously maintain a competitive edge in the financial services market. But no less important is broad staff engagement in this process of continuous improvement. The Ideas Exchange, a system implemented at the Bank, facilitates this engagement. In 2011, the overall number of users of the Ideas Exchanges exceeded 190,000. Our employees and customers submitted over 80,000 ideas and suggestions. Over that period, more than 8,500 suggestions were implemented, with the overall financial benefit exceeding RUB 7 billion. KEY SUGGESTION TOPICS ON THE IDEAS EXCHANGE corporate social responsibility >>> In 2011, we held our 3rd SPS Conference. Over 400 staff members from the Central Head Office and regional banks attended. Participants represented all functions of the Bank, which was a reflection of the scope and depth of the transformation and the involvement of all Sberbank's divisions in the process. The conference agenda included discussions around various aspects of SPS rollout at regional banks and service outlets and an analysis of future development prospects for SPS. One of the key events of 2011 was the approval and initial rollout of a new improved version of the system SPS 2.0 which focuses on optimising the Bank's internal processes through better organisation of the work of supporting divisions providing services to internal clients within Sberbank. Broker services 1.1 2.4 Advertising 3.4 2.9 Mobile Bank 3.8 4.0 Website 4.0 4.7 Payments, deposits 10.0 4.8 Servicing corporate customers 3.0 7.0 Sberbank Online 7.0 Bank cards 15.0 8.6 ATMs and terminals 9.0 9.8 Lending 10.0 14.6 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU Customers Employees 35.0 155 Λ corporate social responsibility
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