Investor Presentaiton
128
corporate social responsibility >>
SBERBANK
170 YEARS. BY YOUR SIDE
ANNUAL REPORT
CONTRIBUTING TO THE ECONOMIC
DEVELOPMENT OF THE COUNTRY
CONTRIBUTING TO THE SUSTAINABLE
DEVELOPMENT OF RUSSIAN REGIONS
We offer various kinds of investment and banking services taking
into account the needs and circumstances of specific regions. These
services include, among others:
Loan financing for budget expenditures
— Financing public-private partnerships
- Financing businesses.
The Bank provides services to virtually every sector related to socio-
economic development, including the social sphere, infrastructure
and transport, the housing and utility sector, energy, small business
development and priority economic sectors (agriculture, innovation,
mechanical engineering, etc.)
OUTSTANDING LOANS TO SUBFEDERAL AND MUNICIPAL
AUTHORITIES*
Sberbank's presence across the entire Russian Federation and
the scale of its operations create favourable conditions to further
strengthen the Bank's position in regional markets. As a result of
spirited efforts by our regional banks, the regions account for a ma-
jor portion of our business: presently loans to businesses and retail
customers based in the Russian regions comprise over 68% of the
Bank's loan portfolio.
In 2011, the Bank's key regional development results were:
-The creation and approval of Sberbank's Regional Development
Strategy;
-Sberbank's contribution to a review of Russia's competitiveness
and the preparation of the Russia Competitiveness Report 2011
jointly with Strategy Partners Group, the World Economic Forum
and the Eurasia Competitiveness Institute;
- The preparation of regional development plans;
―The publication of a report on the Entrepreneurial Climate of Rus-
sian Regions.
RUB billion
250
200
150
100
50
50
58
0
2008
92
98
-75
153
267
141
141
128.
2009
2010
2011
Outstanding loans to subfederal and municipal authorities
Investment in subfederal bonds
*
From RAS Financial Report of OJSC Sberbank Of Russia for 2011
170 YEARS. IT'S JUST THE BEGINNING
Working with the Government of the Republic of Udmurtia
Sberbank signed a Cooperation Agreement with the Government of the Republic of
Udmurtia in 2011. The agreement provides for regional bonds to be issued to the value
of RUB 2-2.5 billion. It is planned that Sberbank, amongst other activities, will man-
age payroll projects for public institutions and state enterprises based in the republic.
Sberbank will support a number of regional infrastructure development projects, in-
cluding: a regional targeted programme to Develop the Motorway System in the Repub-
lic of Udmurtia; the construction of gas distribution networks; improving access for
households, businesses and institutions to natural gas supplies; and the modernisation
of municipal water supply and sewer networks in Izhevsk and Votkinsk.
Another area of cooperation is agriculture, where Sberbank is supporting operations
and development in the Republic. It is planned that the Bank will provide financial
support for the creation of a fish farming facility in the region.
In 2011, the Bank launched the Mobile Trust project, under which Sberbank representa-
tives visited municipalities in the republic and collected loan applications from small
business customers. A total of 112 applications worth RUB 66.7 million were approved.
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