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Investor Presentaiton

160 Λ corporate social responsibility >> Largest corporate customers Medium-sized businesses SBERBANK 170 YEARS. BY YOUR SIDE ANNUAL REPORT IMPROVING PRODUCT AND SERVICE QUALITY 2011 KEY TOPICS OF INTEREST TO RETAIL AND CORPORATE CUSTOMERS Work of account managers Remote banking services Tailored approach to clients Pricing policy Call centre services Service conditions at Bank offices Corporate governance standards Account managers Credit analysts Communications with the Bank's top management Banking products Tailored approach to clients Remote service channels Pricing policy Cash and settlement office specialists Quality of service at outlets Pricing policy Tailored approach to clients Remote banking services Call centre services Work of personnel Organisation of work at outlets Service time Cash machines and terminals Outlet opening hours Call centre Functioning of the website Remote banking services Small and micro businesses Retail customers According to the results of a series of customer satisfaction and ser- vice quality surveys carried out since 2009, the overall level of cus- tomer satisfaction in the retail business increased 4% over two years, reaching 80% in 2011. Most key customer satisfaction indicators have also increased significantly. Service quality at Bank outlets increased 8% compared to 2010. In 2012, we plan to introduce more rigorous approaches towards evaluation of the quality of service, focusing on employee compliance with service standards and sales techniques. % 4Q 2010 78 QUALITY OF SERVICE INDICATORS IN 2011 86 85 82 82 81 78 76 74 72 1Q 2011 2Q 2011 O Quality index* O Service standards index** 3Q 2011 4Q 2011 161 In order to improve the quality of service, in 2011 we implemented a number of activities including, amongst others: -Training client-facing employees in service standards and com- plaint handling procedures; -Training all service outlet managers and their deputies in day- to-day monitoring of the quality of service at customer service outlets; ―Including quality of service indicators in the motivation system for various employee categories. << corporate social responsibility 170 YEARS. IT'S JUST THE BEGINNING WWW.SBERBANK.RU * Quality index-an integral indicator reflecting the quality of employee work, the external and internal appearance of customer service outlets and time spent being served. **Service standards index-an indicator reflecting the level of compliance with the Bank's service standards.
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