Investor Presentaiton
SBERBANK
170 YEARS. BY YOUR SIDE
ENSURING ACCESSIBILITY
OF BANKING SERVICES
ANNUAL REPORT
2011
180
Λ
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Subsidiary banks
In 2011, an important focus in the activities of our subsidiary banks
was integrating their businesses into Sberbank's unified systems.
In April, we launched the Common Card Tariff Space project, which
allows holders of international cards issued by any of the Group's
banks to be serviced at any other Group bank at preferential rates.
We also launched a programme to implement our Loan Factory credit
risk management technology at subsidiary banks. Siebel CRM soft-
ware was deployed at all subsidiary banks. Additionally, we began
implementation of a new Oliver Wyman credit process. Subsidiary
banks were included in the Group's integrated risk management
programme. A number of key decisions relating to the integration
of subsidiary bank IT infrastructure were taken in 2011, including
approval of a list of shared IT platforms.
JSC Sberbank of Russia (Ukraine)
This subsidiary is one of the fastest growing banks in Ukraine.
Throughout 2011, its assets grew 70% to reach RUB 69.4 billion,
while its loan portfolio increased twofold, reaching RUB 53 billion.
The bank's branch network has grown to include 130 offices. At the
end of 2011, the National Bank of Ukraine included JSC Sberbank of
Russia in the list of Ukraine's largest banks by asset size.
Throughout the year, the subsidiary bank was able to improve its posi-
tion in many national market rankings. In terms of net assets it rose
from 22nd to 17th place, for loans to corporate customers - from 19th
to 11th position, for amounts due to corporate customers - from 22nd
to 15th place, and for amounts due to individuals - from 24th to 17th
position.
SB JSC Sberbank (Kazakhstan)
The subsidiary bank, which has been operating in Kazakhstan for
5 years, has 95 outlets across the country and its head office in Almaty.
The bank's customer base includes over 15,000 legal entities and
222,000 individuals. The bank operates 1,600 cash machines and
self-service terminals.
The Kazakhstan subsidiary is the biggest in Sberbank's international
network by asset size. In a ranking of second-tier banks in Kazakh-
stan, the bank was ranked 4th by profit, 7th by asset size and 8th by
net worth.
OJSC BPS-Sberbank (Belarus)
The subsidiary bank's customer base includes over 29,000 legal
entities and 1.5 million individuals. The branch network includes
195 offices. The bank occupies a strong position as the third largest
Regional bank
in Belarus by asset size, loan portfolio and amounts due to custom-
ers. Over the year, the bank's share in the country's banking sector
increased: in terms of asset size from 7.7% to 9.8%, in terms of loans
to corporate customers from 8.2% to 10.3% and in terms of retail
customer deposits from 9.3% to 10.7%.
A rebranding programme was launched in 2011, under which the
bank's name was changed from OJSC BPS-Bank to OJSC BPS-Sberbank.
REGIONAL BANKS AS OF 1 JANUARY 2012
Areas served
Branches
Customer
service outlets
Baikalsky Bank
Volgo-Viatsky Bank
Zabaikalsky Territory, Irkutsk Region, Republic of Buryatia
Nizhniy Novgorod Region, Vladimir Region, Kirov Region,
Republic of Mordovia, Republic of Mariy-El, Republic of
Chuvashia, Republic of Tatarstan
10
529
57
2,148
Vostochno-Sibirsky
Bank
Krasnoyarsk Territory, Republic of Tyva, Republic of
Khakassia
12
422
181
Dalnevostochny
Bank
Khabarovsk Territory, Primorski Territory, Amur Region,
Sakhalin Region, Jewish Autonomous Region
7
444 Λ
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Zapadno-Sibirsky
Bank
Tyumen Region, Omsk Region, Khanty-Mansiysk Autonomous
District Yugra, Yamalo-Nenetsky Autonomous District
21
802
Zapadno-Uralsky
Perm Territory, Komi Republic, Republic of Udmurtia
Bank
Moskovsky Bank
Moscow
0
753
Povolzhsky Bank
Samara Region, Ulyanovsk Region, Orenburg Region, Saratov
Region, Volgograd Region, Astrakhan Region, Penza Region
62
2,707
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Severny Bank
Severo-Vostochny
Bank
Severo-Zapadny
Bank
Sibirsky Bank
Yaroslavl Region, Kostroma Region, Ivanovo Region, Vologda
Region, Arkhangelsk Region, Nenetsky Autonomous District
Magadan Region, Kamchatka Territory, Chukchi Autonomous
District, Republic of Sakha (Yakutia)
St. Petersburg, Leningrad Region, Murmansk Region,
Kaliningrad Region, Pskov Region, Novgorod Region, Republic
of Karelia
32
823
32
16
721
16
15
251
22
5
1,076
27
513
Severo-Kavkazsky
Bank
Stavropol Territory, Republic of Ingushetia, Republic of North
Ossetia Alania, Kabardino-Balkarian Republic, Republic of
Dagestan, Karachai-Circassian Republic, Republic of Kalmykia,
Chechen Republic
Novosibirsk Region, Tomsk Region, Kemerovo Region, Altai
Territory, Republic of Altai
38
1,394
Srednerussky Bank
Moscow Region, Tver Region, Kaluga Region, Bryansk Region,
Smolensk Region, Tula Region, Ryazan Region
59
1,644
Sverdlovsk Region, Chelyabinsk Region, Kurgan Region,
Republic of Bashkortostan
Tsentralno-
Chernozemny Bank
Yugo-Zapadny Bank
Voronezh Region, Orel Region, Lipetsk Region, Kursk Region,
Belgorod Region, Tambov Region
39
1,432
Rostov Region, Krasnodar Territory, Republic of Adygeya
Uralsky Bank
58
58
1,645
47
1,422
170 YEARS. IT'S JUST THE BEGINNING
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