Investor Presentaiton
SBERBANK
170 YEARS. BY YOUR SIDE
ANNUAL REPORT
ENSURING ACCESSIBILITY
OF BANKING SERVICES
2011
Training and Consultation Centre for Public Electronic Services
In 2011, specialists from Sberbank's Severny Bank designed a training course on
the use of modern banking technologies and services: plastic cards, remote banking
services, the Transport Card, the Universal Electronic Card for Russian citizens, etc.
The training premises are equipped with the Bank's cash machines and payment ter-
minals, so that trainees can try out their new skills in practice. Course participants,
mainly pensioners, are also trained in using computers and the Internet. Between May
2010 and January 2012, over 700 people received training at the social training and
consultation centre and some 3,000 people received consultations outside training
courses. Moreover, text and video materials prepared by specialists from Severny Bank
were made available on the centre's website and accessed more than 10,000 times.
OFFERINGS FOR CIVIL AND MILITARY PENSIONERS, PERSONS RECEIVING UNEMPLOY-
MENT BENEFIT AND MOTHERS RECEIVING CHILD BENEFIT
Sberbank Social Maestro Card
A card with minimum commission fees. Effective since 1 March 2012, customers
do not pay cash withdrawal charges and service charges.
OFFERINGS FOR SMALLHOLDERS
Smallholder loan
A loan available at a much lower rate than consumer loans for individuals
with smallholdings. There is the opportunity for partial subsidising of interest
payments by the government.
OUTSTANDING LOANS FOR CERTAIN SOCIALLY
ORIENTED PRODUCTS
Year
Outstanding loans for certain socially oriented products, RUB million
192
Λ
corporate social responsibility >>
SOCIALLY ORIENTED PRODUCTS
We actively develop socially oriented products and services target-
ing different customer groups. Special targeted programmes help us
expand the Bank's customer base. In 2011, we both continued to use
our existing socially oriented products and introduced new offerings.
BRIEF INFORMATION ABOUT THE BANK'S SOCIALLY
ORIENTED PRODUCTS
OFFERINGS FOR YOUNG PEOPLE
Consumer loan
Educational loan
State-subsidised educational
loan
Young person's credit card
Young person's debit card
A loan for young people aged between 18 and 20 guaranteed by their parents.
Loan conditions stipulate a reduced required length of current employment of
4 months. There are no requirements on the overall length of employment.
A loan to cover the cost of education at an educational institution registered in the
Russian Federation. For young people aged 14 or above and their representatives.
A loan for people aged 14 or above entering into higher education for the first time
in certain subjects at universities selected for the pilot programme.
The government partially subsidises interest payments on educational loans and
also partially compensates unpaid loans to the lender.
A card for customers aged between 18 and 30, with simplified requirements
regarding proof of income and length of employment. The card has a youth
oriented design.
A card for customers aged between 14 and 25 with lower service rates. The card
can be ordered on the Bank's young person website.
Card design can be customised.
OFFERINGS FOR PENSIONERS
Consumer loans, car loans
Pension Plus deposit
Save/Save Online deposits
Special reduced interest rates and a simplified application procedure for retail
customers receiving their pensions in Sberbank accounts.
A fixed-term deposit account into which pensions are paid. Customers are
allowed to add and withdraw money from the deposit (maintaining a minimum
balance of RUB 1). Since 2011, the Bank has been implementing a project
to transfer pensioners to card-based services. Customers who receive their
pensions on their Sberbank Social Maestro Card earn interest on their account
balance at an annual rate of 3.5% (in Rubles).
Regardless of deposit size, customers eligible to receive a pension earn interest at
the maximum possible rate. There is no limitation on the maximum deposit size.
2008
2009
2010
2011
Young Family loan,
RUB million
Educational and State-
Subsidised Educational
Smallholder loans,
RUB million
loans, RUB million
81,542
140
12,584
193
Λ
96,465
227
12,232
128,127
316
12,873
157,221
378
15,982
In 2012, over 4,000 retail trade and service outlets targeting pen-
sioners as a customer group agreed to provide discounts to holders
of Sberbank Social Maestro Cards.
Providing home loans and mortgages to retail customers is an impor-
tant objective for the Bank's business, the larger national economy
and the social well being of Russian citizens. At the end of the year,
outstanding loans in this category accounted for 43% of the Bank's
overall retail loan portfolio, while their total worth reached RUB
777.4 billion. Sberbank contributes to the implementation of gov-
ernment initiatives and programmes aimed at providing socially
oriented financial services in the field of home loans and mortgages.
SBERBANK'S HOME LOAN AND MORTGAGE
PRODUCTS AND SERVICES
SBERBANK PARTICIPATION IN FEDERAL PROJECTS AND PROGRAMMES
2011-2015 Federal Targeted Housing
Programme
Vnesheconombank's investment programme
for the construction of affordable housing and
mortgages in 2010-2012
Federal Law dated 12 January 1995 No. 5-FZ
On Veterans
Entering into agreements with regional authorities on tailored
conditions for home loans, reduced interest rates and accepting
State Housing Certificates as down payment
Our Government-Supported Mortgage product is provided to
finance the acquisition of complete or partially constructed
housing from a legal entity. It uses the property being acquired
or another property as collateral. The annual interest rate is no
more than 11% (after mortgage registration).
Mortgage loans to acquire property to improve housing
conditions for veterans and disabled veterans of the Second
World War eligible for corresponding social benefits.
corporate social responsibility
170 YEARS. IT'S JUST THE BEGINNING
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