Investor Presentaiton
SBERBANK
170 YEARS. BY YOUR SIDE
ANNUAL REPORT
2011
ENSURING ACCESSIBILITY
OF BANKING SERVICES
BRANCH NETWORK IN RUSSIA BY LOCATION TYPE
BRANCH NETWORK
One of our competitive advantages is the Bank's extensive branch
network, which spans across the entire Russian Federation and also
includes foreign assets (subsidiary banks and a branch office).
Branch Network in the Russian Federation
Sberbank's regional network in the Russian Federation includes over
19,200 customer service outlets in all of Russia's regions.
EVOLUTION OF SBERBANK'S BRANCH NETWORK
7.5
Organisational units
Sberbank units in the Russian Federation, incl.:
Regional banks
Branches
176 Customer service outlets, incl.:
Λ
corporate social responsibility
Additional offices, incl.:
Offices serving retail customers
Universal offices
Offices serving corporate customers
Operations offices
Cash transaction desks on third-party premises
Mobile cash transaction desks
%
17.6
6.8
20.7
Russian regional capitals
47.4
/
7.5
2010
2011
2012
19,723
19,420
19,249
20.7/
18
17
77
17
602
521
505
19,103
18,882
18,727
10,082
10,069
10,494
7,397
7,429
7,997
2,559
2,515
2,373
126
125
124
8
236
588
8,931
8,492
7,547
82
85
98
Sberbank recognises its responsibility to society in providing Rus-
sians with accessible high-quality banking services, particularly in
remote and economically underdeveloped areas.
It is this recognition of our social role that to a significant extent dic-
tates the geography of our branch network: over half of our customer
service outlets (54%) are based in rural areas and urban-type com-
munities, i.e. in areas where demand for retail banking services is low.
Today we are exploring several approaches towards improving access
to our services in rural areas. One of the key ideas is to use quick
build modular offices and service centres. We also plan to organise
transportation services to bring customers from remote communities
to our existing offices on a regular basis. We have already begun this
effort and the first pilot projects have proven suitably successful.
Cities with more than 100,000
inhabitants
17.6
Other cities and towns
6.8
Urban-type communities
47.4
Rural areas
In remote areas with underdeveloped transport infrastructure, Sber-
bank uses mobile service outlets, each of which provides banking
services to several communities. Currently the Bank has some 100
mobile offices with their number gradually growing. Mobile offices
provide services most popular among rural customers, primarily
deposit transactions.
Where technical conditions in rural areas allow, the Bank installs
self-service units (cash machines and payment terminals), which
allow customers to perform the transactions they need.
AVAILABILITY OF SBERBANK SERVICES
IN ECONOMICALLY UNDERDEVELOPED AND SPARSELY
POPULATED REGIONS
Availability of services (thousand residents
per Sberbank service outlet)
Sberbank share in the total number of
banking service outlets in the region, %
2010
2011
2010
2011
National average
7.5
7.6
50
|g
48.1
Economically underdeveloped
regions
6.8
6.8
57
57
Sparsely populated regions
8.6
8.6
50
44
170 YEARS. IT'S JUST THE BEGINNING
WWW.SBERBANK.RU
177
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