Forms / 01.09.2020

Structure of PJSC Sberbank of Russia. Characteristics of pjsc "sberbank of russia" Equity of the Group

Official name of the Bank: Joint Stock Commercial Savings bank Russian Federation (public joint-stock company); abbreviated name: Sberbank of Russia PAO.

The Bank is part of the banking system of the Russian Federation and in its activities is guided by the legislation of the Russian Federation, the regulations of the Bank of Russia, as well as the Charter.

PJSC Sberbank Russia - the largest bank in Russia, in Central and Eastern Europe, which accounts for about 28.7% of the assets of the Russian banking system (as of January 1, 2016), the main creditor national economy. The founder and main shareholder of Sberbank is central bank Russian Federation (over 60% of voting shares). The Bank is an employer and provides a source of income for every 150th Russian family.

Sberbank of Russia is the main lender Russian economy and in the deposit market, it accounts for 46% of household deposits, 38.7% of loans to individuals and 32.2% to legal entities.

The advantage of the bank is the presence of many branches, these are 14 territorial banks and more than 16 thousand branches throughout the country, united in a single settlement system that allows you to make payments almost anywhere in the Russian Federation, and about 11 million people abroad use the services of Sberbank of Russia.

The main goal of Sberbank's activities is to attract Money from individuals and legal entities, the implementation of credit and settlement and other banking operations and transactions with individuals and legal entities for profit.

The main activities of PJSC Sberbank of Russia:

lending Russian enterprises;
lending to private clients;
investing in public securities and bonds of the Bank of Russia;
· Carrying out operations on a commission basis.

The organizational structure of Sberbank is presented as follows:

· Savings Bank of the Russian Federation;
· territorial banks (14);
departments;
branches;
Agencies.

Additional office No. 8597, on the basis of a power of attorney issued to its head, carries out the following banking operations:

1) attraction and placement of funds of individuals and legal entities;
2) opening and maintaining bank accounts of individuals and legal entities, settlements on behalf of clients, including correspondent banks;
3) collection of funds, bills of exchange, payment and settlement documents and cash service individuals and legal entities;
4) purchase and sale of foreign currency in cash and non-cash forms;
5) attraction to deposits and placement of precious metals;
6) issuance of bank guarantees, guarantees for third parties for obligations in cash, acquisition of the right to demand from third parties the fulfillment of obligations in cash;
7) brokerage and consulting services, leasing operations;
8) other operations on banking service clients licensed by the Central Bank of the Russian Federation.

Sberbank of Russia is a legal entity and with its branches (territorial banks and branches) and their internal structural subdivisions is single system Sberbank of Russia.

Branches of Sberbank of Russia are not endowed with the rights of legal entities and act on the basis of the Regulations approved by the Board of Sberbank of Russia, have a balance sheet that is included in the balance sheet of Sberbank of Russia, and have the symbols of Sberbank of Russia.

The governing bodies of the Bank are:

- general meeting of shareholders - the highest governing body of Sberbank of Russia. At the General Meeting of Shareholders, decisions are made on the main issues of the Bank's activities. Held once a year. The General Meeting of Shareholders resolves the following issues: approval of the annual report, considers the report of the audit commission, the report of the management, the procedure for distributing profits and its use (the amount and procedure for paying dividends), the development plan for the next year, determines the bank's development strategy, elects the Board of the bank;
- supervisory board. The Supervisory Board of the Bank consists of 17 directors, including 11 representatives of the Bank of Russia, 2 representatives of the Savings Bank of Russia and 4 independent directors.
- Management Board of the Bank. The Board of the Bank consists of 14 members. The Bank's Management Board is headed by the President, Chairman of the Bank's Management Board.

All management bodies of the Bank are formed on the basis of the Charter of the Savings Bank of Russia and in accordance with the legislation of the Russian Federation.

The structure of the Group's liabilities is dominated by funds from individuals and corporate clients, the total amount of which at the end of 2017 amounted to RUB 19.8 trillion, or 83.7% of liabilities. In general, the Group's liabilities increased in 2017 by 5.0% to RUB 23.7 trillion.

Client funds

The volume of funds of individuals and corporate clients in 2017 increased by 6.0%. Retail deposits increased by 7.8% to 13.4 trillion rubles, while the volume of time deposits increased by 4%. In 2017 in overall structure of the Group's liabilities, the share of due to individuals slightly increased compared to 2016 and amounted to 56.7% (2016: 55.2%). Thus, funds from individuals continue to be the main source of financing for the Group. The volume of funds of corporate clients increased by 2.5% to 6.4 trillion rubles.

Structure of customer funds of the Group

	2016		2017
	billion rubles	Share, %	billion rubles	Share, %
Funds of individuals
– Current/demand accounts	2 478,9	13,3	3 052,2	15,5
– Term deposits	9 970,7	53,3	10 368,1	52,2
Total due to individuals	12 449,6	66,6	13 420,3	67,7
Funds of corporate clients
– Current/settlement accounts	1 982,3	10,6	2 204,8	11,1
– Term deposits	4 252,9	22,8	4 189,1	21,2
Total due to corporate customers	6 235,2	33,4	6 393,9	32,3
Total	18 684,8	100,0	19 814,2	100,0

Debt securities issued by the Group

Debt securities issued, RUB bn

billion rubles	2016	2017	Change
billion rubles	2016	2017	billion rubles	%
Savings certificates	482,6	374,9	(107,7)	-22,3
Loan participation notes issued under the MTN program of Sberbank	473,9	302,5	(171,4)	-36,2
Bonds issued:
- in the domestic market	84,3	133,2	48,9	58,0
- on the international markets capital	21,1	16,0	(5,1)	-24,2
Bills	92,4	103,4	11,0	11,9
Bonds issued under the securitization program mortgage loans Sberbank	5,5	3,9	(1,6)	-29,1
Deposit certificates	1,2	0,7	(0,5)	-41,7
Total debt securities issued	1161,0	934,6	(226,4)	-19,5

The volume of issued debt obligations in 2017 decreased by 19.5%. To the greatest extent, this decline was caused by the strengthening of the ruble and the redemption of a number of debt securities. Loan participation notes issued under the MTN program of Sberbank decreased by 36.2% due to the redemption of a number of issues. Savings certificates decreased by 22.3%. At the same time, bonds issued on the domestic market showed significant growth (by 58.0%), due to additional funding raised by Sberbank in 2017 for Russian market under the program of exchange-traded bonds denominated in rubles. Promissory notes also showed growth, which increased by 11.9% in 2017.

Group's own funds

Own funds, billion rubles

billion rubles	2016	2017	Change
billion rubles	2016	2017	billion rubles	%
Authorized capital	87,7	87,7	–	0,0
	(7,9)	(15,3)	(7,4)	93,7
Share premium	232,6	232,6	–	0,0
	66,9	60,8	(6,1)	-9,1
	24,0	35,3	11,3	47,1
	(19,8)	(26,4)	(6,6)	33,3
Changes in Accounting for Defined Benefit Retirement Liabilities	(1,1)	(1,3)	(0,2)	18,2
Undestributed profits	2 435,7	3 058,6	622,9	25,6
Total equity attributable to shareholders of the bank	2 818,1	3 432,0	613,9	21,8
Non-controlling interest	3,5	4,0	0,5	14,3
Total equity	2 821,6	3 436,0	614,4	21,8

Group capital adequacy

Capital adequacy (Basel III), billion rubles

Indicator	2016	2017
Tier 1 Capital
Authorized capital	87,7	87,7
Share premium	232,6	232,6
Undestributed profits	2 435,7	3 058,6
Non-controlling interest	4,4	4,4
Own shares purchased from shareholders	(7,9)	(15,3)
Office Real Estate Revaluation Fund	66,9	60,8
Revaluation fund for investment securities available-for-sale	24,0	35,3
Fund for accumulated exchange differences	(11,8)	(21,0)
Remeasurement of liabilities under defined benefit plans	(0,7)	(1,0)
Excluding goodwill	(11,3)	(8,0)
Excluding intangible assets	(45,0)	(60,8)
Other deductions from equity	(8,7)	(12,7)
Tier 1 Capital	2 765,9	3 360,6
Tier 2 Capital
Applicable subordinated debt	475,9	459,7
Tier 2 Capital	475,9	459,7
General capital	3 241,8	3 820,3
Risk-weighted assets
Credit risk	23 443,0	25 245,7
Operational risk	2 736,0	3 092,8
Market risk	849,3	1 158,3
Total risk-weighted assets	27 028,3	29 496,8
Tier 1 core capital adequacy ratio (Tier 1 core capital to risk-weighted assets), %	10,2	11,4
Tier 1 capital adequacy ratio (Tier 1 capital to risk-weighted assets), %	10,2	11,4
Total capital adequacy ratio (total capital to risk-weighted assets)	12,0	13,0

At the end of 2017, the tier 1 capital adequacy ratio calculated in accordance with Basel III requirements amounted to 11.4%. The total capital adequacy ratio calculated in accordance with the requirements of Basel III at the end of 2017 was 13.0%, which is significantly higher than the minimum level set by the Basel Committee (8%). In 2017, capital adequacy ratios showed an increase compared to 2016, which is explained by the outstripping growth of the Group's own funds compared to the growth of risk-weighted assets.

Introduction

This report focuses on the public joint stock company Sberbank of Russia. "Sberbank" of Russia today, almost nothing reminds of the savings banks, the functions of which he performed throughout a significant period of its history. But today, "Sberbank" of Russia has little resemblance even to itself just a decade ago. The ability to change and move forward is a sign of the excellent "sports" form in which Sberbank of Russia is today. The title of the oldest and largest bank in Russia does not prevent it from openly and honestly competing in the banking market and keeping abreast of financial and technological changes. Sberbank not only keeps pace with modern market trends, but also stays ahead of them, confidently navigating rapidly changing technologies and customer preferences. aim educational practice consists in consolidating and applying the theoretical and practical knowledge gained during training at the Department of Finance of Organizations. To achieve this goal, it is necessary to perform the following tasks:

give a general description of PJSC "Sberbank" of Russia;

Consider the organizational structure of PJSC Sberbank of Russia;

· conduct a feasibility study of PJSC Sberbank of Russia;

· to analyze the financial condition of PJSC "Sberbank" of Russia.

The training practice was held at Sberbank of Russia in the Bank of Tatarstan Branch No. 8610, from 03/28/2016 to 04/09/2016.

general characteristics PJSC "Sberbank" of Russia

Sberbank financial organizational

Public Joint Stock Company "Sberbank of Russia" (hereinafter - PJSC "Sberbank of Russia") is a modern universal organization, one of the largest Russian commercial banks in Russia and the CIS countries.

Sberbank of Russia has a huge branch network: 17 territorial banks and more than 18,400 divisions. It provides services in all 83 subjects of the Russian Federation. Remote service channels have recently been introduced. The Sberbank Online and Mobile Bank applications with a wide client base are being developed.

Also recently, Sberbank has significantly expanded its area of international presence. Previously, it was limited to the CIS countries, but recently the distribution area has increased significantly. Representations appeared in Central and Eastern Europe (Sberbank EuropeAG) and in Turkey (DenizBank). The acquisition of DenizBank was the most significant in the entire 170-year history of the bank. In addition to the previously listed countries, Sberbank also has representative offices in China, India and Germany, and is managed by Sberbank Switzerland AG.

"Sberbank" of Russia was established in the form of an open joint stock company in accordance with the Law of the RSFSR "On banks and banking in the RSFSR" in 1991. The founder and main shareholder of Sberbank of Russia is the Central Bank of the Russian Federation. The Bank's shareholders are more than 200 thousand legal entities and individuals.

The supreme governing body of Sberbank of Russia is the general meeting of shareholders.

The Bank is a legal entity and, with its branches, forms a single system of Sberbank of Russia.

The history of the development of PJSC "Sberbank" of Russia began, on November 12, 1841, the Russian Emperor Nicholas I signed a decree on the establishment of savings banks in Russia "for delivering funds for savings to faithful and profitable way". This date began to be considered the birthday of Sberbank.

A few months later, on March 1, 1842, an employee of the Loan Treasury, Nikolai Christofari, crossed the threshold of a newly opened cash desk in St. Petersburg. He could not even imagine that at that moment he became the first client financial institution, whose history will be inextricably intertwined with the history of Russia.

Sberbank is the historical successor of the Savings Banks, founded by decree of Emperor Nicholas I, which at first were only two small institutions with 20 employees in St. Petersburg and Moscow. Then they grew into a network of savings banks that operated throughout the country and even in difficult times helped to maintain the stability of the Russian economy. Later, during the Soviet era, they were transformed into the system of State Labor Savings Banks. And in modern times have turned into modern universal bank, large international group, whose brand is known in more than twenty countries around the world.

Table 1.1 below shows the stages of development of PJSC Sberbank of Russia.

Table 1.2. Stages of development of PJSC "Sberbank" of Russia


		Foundation and development of banking in Russia. The first client of the first bank in the country. Growth to 500 clients per day
		"Golden Age" of the first bank of Russia and the development of financial literacy of the population. 3875 savings banks 2,000,000 issued passbooks
		The first revolution and global changes in the policy of Sberbank. Savings banks began to make money transfers, issue their own loan certificates, and conducted operations with interest-bearing and securities.
		Sberbank during the Great Patriotic War and after the war, participation in projects of national and global importance. A new Charter of state savings banks was established.
		Development and transformation of Sberbank during the “thaw”, “stagnation” and “perestroika”. The number of savings banks doubled from 40,000 to 79,000. The number of bank customers increased 12 times.
		Global changes of Sberbank of Russia: life according to new economic laws. The first ATMs began to function. Created Non-State Pension Fund Sberbank. Sberbank Online service launched.
		Activities and measures of Sberbank of Russia in a difficult financial situation: the crisis has been overcome. The Sberbank Business Online system began to work. Sberbank entered the top 20 largest banks in terms of market capitalization. The Bank became the general partner of the Sochi-2014 Olympic Games.
		A new stage in the history of Sberbank of Russia: the introduction of innovative solutions, new programs and advanced technologies. New future of the country. Sberbank canceled all commissions for consideration and issuance of loans. Interest rates were reduced twice.

Sberbank is a modern universal bank with a large share of private capital, including foreign investors. The share capital structure of Sberbank testifies to its high investment attractiveness.

Today PJSC Sberbank of Russia, as one of the market participants, occupies a leading position in the Russian banking sector, as well as in the lending market, this rating is shown in Figure 1.1.

Rice. 1.1.

The main goal of PJSC Sberbank of Russia is to ensure the growth of investment attractiveness and maintain leadership in the Russian market financial services by modernizing management and technological processes. To achieve this goal, Sberbank of Russia's activities are aimed at improving the client policy, creating a flexible and efficient system of interaction with clients based on taking into account the needs of various client groups.

PJSC "Sberbank" of Russia is a universal commercial bank that meets the needs of various customer groups in a wide range of high-quality banking services throughout Russia.

Acting in the interests of depositors, clients and shareholders, PJSC Sberbank of Russia strives to effectively invest the attracted funds of private and corporate clients in the real sector of the economy, lends to citizens, contributes to the stable functioning of the Russian banking system and saving household deposits.

The main activities of PJSC "Sberbank" of Russia:

attracts funds of individuals and legal entities in deposits;

Places funds on its own behalf and at its own expense;

Opens and maintains bank accounts for individuals and legal entities,

Performs settlements on behalf of clients;

collects bills, cash, payment and settlement documents and provides cash services to individuals and legal entities;

· buys and sells foreign currency in cash and non-cash forms;

attracts deposits and places precious metals;

issues bank guarantees;

· carries out money transfers on behalf of individuals without opening bank accounts;

Carries out leasing operations;

provides brokerage, consulting and information services;

Performs issuance and maintenance bank cards;

· carries out issue, purchase, sale, accounting, storage and other operations with securities, and much more.

Funds for the implementation of these activities are attracted by the Bank from the following sources: shareholders' funds; deposits of private clients; funds of legal entities; other sources, including borrowings from international financial markets.

Educational practice was completed in the department of lending to medium and large businesses of the Bank of Tatarstan branch No. 8610.

Providing services to medium, large and private individuals is a priority activity of the Bank of Tatarstan branch No. 8610.

"Bank of Tatarstan" No. 8610 is actively developing lending programs, offering its customers profitable loans for project and investment lending to businesses, improving living conditions, acquisitions Vehicle, receiving higher education and many other financial issues. Sberbank of Russia helps to carry out payment transactions, takes responsibility for storing and increasing the funds of its depositors.

Each client of the Bank of Tatarstan branch No. 8610 can always count on the help of qualified specialists, an individual approach and attentive attitude.

The reliability of PJSC Sberbank of Russia and its impeccable business reputation in Russia and abroad are confirmed by high ratings from leading rating agencies.

SWOT analysis of PJSC Sberbank of Russia is shown in Table 1.2.

Table 1.2. SWOT-analysis of PJSC "Sberbank" of Russia

Strengths:

Sberbank of Russia is a reliable credit institution. The bank has high ratings both in Russian and international rating agencies, and is also one of largest companies Russia; The controlling stake in the bank belongs to the state. In case of problems with the bank, it can count on the help of the main shareholder; It has a developed regional network of branches throughout Russia; Publication of quarterly reports on international standards testifies to the high transparency of the bank's activities; It has high liquidity of its securities, which for a long time were perceived by the market as a protective paper. The Bank has a diversified resource base, which gives it stability.

Weak sides:

The low flexibility of the bank to changes in external conditions will contribute to a gradual decrease in the market share attributable to it; Increasing competition in the Russian market for the provision of banking services.

Features: -

Sberbank of Russia seeks to strengthen its position as a leader in the retail sector; The bank plans to issue global depositary receipts(GDR) on existing shares on the London Stock Exchange. Bringing shares to Western trading floors will further increase the liquidity of securities.

Threats: -

The possibility of a conflict between the development of the business of Sberbank of Russia and the interests of the main shareholder; Strengthening competition in the market for the provision of banking services in the event of accession to the WTO and the entry of foreign banks into the Russian market; Possible increase in the volatility of stock prices due to personnel changes in the bank's board.

We present the main technical and economic indicators of PJSC Sberbank of Russia from 2013 to 2015 in Table 1.3, which is presented below.

Table 1.3. Key technical and economic indicators of Sberbank PJSC

Basic indicators	unit of measurement
Main indicators of the income statement
Operating income before reserves	in billion rubles
Profit before tax	in billion rubles
Net profit	in billion rubles
Main balance indicators
Allowance for impairment loan portfolio	in billion rubles
	in billion rubles
Client funds	in billion rubles
Key quality indicators
The ratio of loan impairment allowance to non-performing loans	Meaning
Loans/Deposits

PJSC Sberbank is the largest player in the banking sector with branches and representative offices in all regions of the Russian Federation. According to statistics, as of January 1, 2018, the bank has 94 branches, of which one is located in India (New Delhi). 6 years ago the organizational network included 524 branches. Its reduction is caused by optimization processes.

Management structure of PJSC Sberbank of Russia

Management structure of Sberbank consists of the following organs:

General Meeting of Shareholders. This is the highest governing body of a financial institution that oversees the main activities of the bank. The meeting is held once a year. As part of this event, decisions are made on the distribution of net income, the procedure and amount of payments to business owners, the development strategy of a financial institution, and others.
Supervisory Board. Its members are elected general meeting shareholders. Coordinates activities financial institution. In particular, it determines the priority areas of active and passive policy, approves the agenda of the Meeting of Shareholders, decides on increasing capital and placing free funds into securities.
Bank board. This is a collegial executive body, whose competence includes the following tasks:

— discussion of reports received from territorial banks;
— formation of risk management policy;
— approval of interest rates on deposits for individuals and legal entities;
- approval of the staffing level, decision-making on the merger, liquidation of divisions;
— introduction of progressive banking technologies into the activities of the retail and corporate block;
— development and implementation of internal documents regulating the activities of the bank and others.

Bank President. Since 2007, German Gref has been the head of the bank. It is he who is responsible for the promises presented to the General Meeting of Shareholders at the annual meeting. The main managerial functions of the President, Chairman of the Management Board of the bank include:

organization of work of all structural units;
distribution of duties and areas of responsibility between deputies;
approval of the issue of emissive securities;
solving current issues and more.

Good to know! Under the leadership of G. Gref, the bank turned from an ordinary savings bank into modern bank, which most participants in the banking system are guided by. The basis for the success of a top manager is implementation modern technologies in all areas of the bank. Radical Provision Reform borrowed money allowed Sberbank to increase its loan portfolio while keeping risks under control. The development of remote service channels has led to a painless transition of customers online. At the same time, the organization managed to maintain both its reputation and its customer base, and to carry out optimization measures to reduce branches and staff.

The bank's headquarters is located at: Moscow (South-Western Administrative District), st. Vavilova, 19. This is a 26-storey building built in 1996.

Organizational structure

The organizational structure of Sberbank includes 4 main blocks:

Central apparatus. The main purpose is flexible management of branches, additional offices, territorial banks based on a unified approach to assessing and limiting interest rate, exchange rate, balance sheet and market risks. The central office develops regulations and internal banking acts that should guide at all levels of decision-making.

The structure of the central office of the bank includes the following main divisions:

Treasury Department;
Depositary;
Banking system management;
Managing the operations of individuals;
Operations management of the corporate unit;
Financial management;
Strategic Planning Department;
Department of collection;
Legal management;
Management of bank cards;
Department of Securities;
Security Directorate;
Operational management;
Department of banking technologies;
Management of control and accounting of banking operations and others.

The functions of some structural divisions are gradually transferred to subsidiaries and divisions. The most famous are: Sberbank Corporation, Sberbank Digital Platforms, Sberbank Digital Corporate Block and others.

Territorial branches (banks). Sberbank has 13 territorial banks: Baikal, Volga-Vyatka, Far East, West Siberian, Moscow, Volgograd, Central Chernozemny,.

In 2017, the merger of 3 territorial divisions was carried out. The largest optimization measure is the merger of the Northern and North-Western banks, as a result of which the former ceased to exist.

Territorial banks are headed by Chairmen who are appointed by the President of Sberbank. TB Sberbank is directly subordinated to the State Security Service - the head associations of Sberbank, located in the regional cities of the constituent entities of the Russian Federation. For example: Karelian, Arkhangelsk, Tver, Saratov, Murmansk, Vologda and others. The State Security Service includes departments, sectors and departments located in remote areas.

Strategic tasks of territorial banks:

planning and coordination of active and passive policy of head offices;
assessment of micro- and macroenvironment;
optimization of activities, taking into account socio-economic and political factors;
implementation of the work model developed by the Central Office;
participation in regional programs, etc.

Branches. represented by internal structural divisions (VSP), which include additional offices and operating cash desks outside the checkout.

Main tasks

improving the quality of services provided;
increase in the share of transactions carried out through remote banking channels;
Attraction of new clients;
work with claims, complaints and objections of customers;
work with a loan portfolio;
increase in the scope of individuals and legal entities with priority products of the bank and others.

Other divisions of the bank. Their main goal is to ensure flexible, client-oriented activities of Sberbank. For example: Sberbank Service, Sberbank New Technologies, Sberbank Asset Management, Sberbank - AST, Sberbank Investments and others.

Important!

One of the bank's subsidiaries is Sberbank CIB. This is a corporate investment business that serves the largest clients, united in holdings. As of December 31, 2017, there were 5714 holdings. The wealthy customer service business has propelled the bank into the top three in investment banking fees. Sberbank SIB was created as part of the integration of Sberbank of Russia and investment company Troika Dialog.

Changes in the organizational structure in 2018

Optimization measures planned in 2013-2014 were carried out in 2015-2017. In the future, the staff will be reduced by 8% in 2018, due to the active transition of clients to a remote format of cooperation with the bank: through Sberbank Online, Sberbank Business Online and mobile bank. The analysis showed that in 2017, 35% of the profit was received from the work of the "digital" (remote) bank. As for the branch network, its organizational chart was approved by the end of the 2nd quarter of 2018, no adjustments are planned.

As of January 1, 2018, the bank's share in the retail lending market was 40.5%, legal - 32.4%. The bank faces a difficult task - to transfer 80% of all active clients to the digital format of cooperation with the bank. In the future, the organizational structure of the largest bank will be revised. The changes will affect both retail and corporate units.

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Ministry of Education and Science of the Russian Federation

Federal State Budgetary Educational Institution

higher education

AMUR STATE UNIVERSITY

Faculty of Economics

Department of Finance

Area of study 38.03.01 Economics

Profile: Finance and Credit

on the passage of educational practice (practice for obtaining primary

professional skills and abilities, including primary

skills and abilities of research activity)

Blagoveshchensk 2017

The study practice report contains p., 12 tables, 1 figure, 3 applications, 13 sources.

credit institution, horizontal analysis, vertical analysis, active operations, passive operations

The basis of the research methodology is the methods of analysis, synthesis of generalization, monographic method, horizontal and vertical analysis.

The report provides a description of the activity of the research object, explores the organizational structure of the credit institution, discloses the types of activities, tasks and directions, analyzes the main economic indicators, horizontal and vertical analysis financial statements, the characteristics of active, passive and settlement cash transactions credit organization.

Based on the information in the accounting (financial) statements, an analysis was carried out financial condition, the assessment of the financial stability of the enterprise, the sources of financing of activities, the factors influencing the financial condition are identified.

Introduction

1. Organizational-legal and economic characteristics of PAO Sberbank

1.1 Legal form and main provisions of the Charter of Sberbank PJSC

1.2 Characteristics of the organizational and management structures of Sberbank PJSC

1.3 Activities of Sberbank PJSC

2. Analysis of the main economic indicators of Sberbank PJSC

2.1 Horizontal analysis of assets and liabilities of Sberbank PJSC

2.2 Vertical analysis of assets and liabilities of Sberbank PJSC

3. Characteristics of the operations of Sberbank PJSC

3.1 Characteristics of active operations of Sberbank PJSC

3.2 Characterization passive operations PJSC "Sberbank"

3.3 Characteristics of settlement and cash operations of Sberbank PJSC

Conclusion

Bibliographic list

Appendix

Introduction

PJSC "Sberbank of Russia" is largest bank Russian Federation and CIS. Founded in 1841, Sberbank of Russia PJSC today is a modern universal bank that meets the needs of various customer groups in a wide range of banking services. Sberbank occupies the largest share in the deposit market and is the main creditor of the Russian economy. Sberbank of Russia PJSC is a modern universal bank with a large share of private capital. The structure of Sberbank's share capital testifies to its high investment attractiveness.

The main goal of PJSC Sberbank of Russia is to ensure the growth of investment attractiveness and maintain leadership in the Russian financial services market by modernizing management and technological processes. To achieve this goal, the activity of Sberbank of Russia is aimed at improving the client policy, creating a flexible and effective system of interaction with clients based on taking into account the needs of various client groups.

PJSC Sberbank of Russia is a universal commercial bank that meets the needs of various client groups in a wide range of high-quality banking services throughout Russia. Acting in the interests of depositors, clients and shareholders, PJSC Sberbank of Russia strives to effectively invest the attracted funds of private and corporate clients in the real sector of the economy, lends to citizens, contributes to the stable functioning of the Russian banking system and saving household deposits.

The main activities of Sberbank of Russia PJSC:

Lending to Russian enterprises;

Lending to private clients;

Investment in government securities and bonds of the Bank of Russia;

Carrying out transactions on a commission basis.

The purpose of the report is to consolidate the knowledge gained in the process of educational practice and to acquire initial practical experience in collecting statistical material and calculating the main economic indicators.

Tasks of the study practice report:

Study of the organizational, legal and economic structure of PJSC Sberbank;

Study normative documents and types of activities of the credit institution;

Collection, systematization and analysis of the main economic indicators characterizing the activity of the research object;

The study of active, passive, as well as settlement and cash operations of a credit institution.

The basis of the research methodology is the methods of analysis, synthesis of generalization, monographic method, horizontal and vertical analysis of indicators.

The information base of the report is educational and scientific literature, local regulations, organizational documentation, accounting (financial) reporting data of PJSC Sberbank.

1. Organizational, legal and economic characteristics of PJSC "SBERBANK"

1.1 Legal form and main provisions of PJSC Sberbank

Public Joint Stock Company "Sberbank" is a modern universal commercial bank meeting the needs of various customer groups in a wide range of banking services.

PJSC Sberbank is part of the banking system of the Russian Federation and is guided in its activities by federal laws, other regulatory legal acts, including regulatory acts of the Bank of Russia and the Charter.

Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. :

Civil Code of the Russian Federation (parts one and two);

Federal Law of 02.12.1990 No. 395-1 “On banks and banking activity”;

Federal Law of July 10, 2002 No. 86-FZ “On the Central Bank of the Russian Federation”;

Federal Law of 08.08.2001 No. 128-FZ “On Licensing Certain Types of Activities”;

Federal Law of December 26, 1995 No. 208-FZ “On Joint Stock Companies”;

Federal Law of March 26, 1998 No. 41-FZ “On Precious Metals and Precious Stones”;

Federal Law No. 40-FZ of February 25, 1999 “On the Insolvency (Bankruptcy) of Credit Institutions”;

Federal Law of July 26, 2006 No. 135-FZ “On Protection of Competition”;

Federal Law No. 46-FZ of 05.03.1999 “On Protection of the Rights and Legitimate Interests of Investors in the Securities Market”;

Bank of Russia Regulation No. 437 dated April 23, 1997 “On Peculiarities of Registration of Credit Institutions with foreign investment and on the procedure for obtaining prior permission from the Central Bank of the Russian Federation to increase authorized capital registered credit institution at the expense of non-residents”;

Regulation of the Bank of Russia dated December 30, 1999 No. 103-P “On the procedure for maintaining accounting transactions related to the issuance and redemption of savings and deposit certificates by credit institutions.

The activities of Sberbank PJSC are carried out on the basis of the Bank's Charter.

Name of the bank and its location (postal and legal address);

List of banking operations performed by him;

The size of the authorized capital, reserve and other funds formed by the bank;

An indication that the bank is a legal entity and operates on a commercial basis;

Data on the management bodies of the bank, the order of formation and functions.

Public Joint Stock Company Sberbank of Russia is a credit institution.

The founder of Sberbank of Russia is the Central Bank of the Russian Federation.

The bank is commercial organization, the main purpose of which is to make a profit when carrying out activities in accordance with the legislation of the Russian Federation, including when carrying out banking operations.

The governing bodies of the Bank are: the General Meeting of Shareholders, the Supervisory Board of the Bank, the collegial executive body - the Management Board of the Bank, the sole executive body - the President, the Chairman of the Management Board of the Bank.

Bank shareholders can be legal entities and individuals, including foreign ones. Shareholders are not liable for the obligations of the bank and bear the risk of losses associated with its activities, within the value of their shares. The Bank is not liable for the obligations of its shareholders. bank economic asset liability

Sberbank of Russia is not liable for the obligations of the state and its bodies. It is also not liable for the obligations of the Bank of Russia, and the Bank of Russia is not liable for the obligations of Sberbank of Russia, unless the Bank of Russia has assumed such obligations.

The Bank has the right to issue, purchase, sell, record, store and other operations with securities that perform the functions of a payment document, with securities confirming the attraction of funds to deposits and bank accounts.

Sberbank of Russia has the right to carry out professional activities in the securities market, including brokerage, dealership, depository.

The authorized capital of Sberbank of Russia is formed in the amount of 67760844000 rubles. It is equal to the total nominal value of the Bank's shares acquired by Cbr.ru shareholders Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. .

The Bank placed 21586948000 ordinary shares with par value of 3 rubles and 1000000000 preferred shares with par value of 3 rubles.

The authorized capital determines the minimum size of the bank's property that guarantees the interests of its creditors.

The nominal value of the placed preferred shares must not exceed 25% of the authorized capital of the bank.

All shares of Sberbank of Russia are registered. placed by the bank ordinary shares and preference shares of the same type - with the obligatory payment of a certain dividend in the amount of at least 15% of the par value of the preference share.

Shareholders - owners of preferred shares participate in the General Meeting of Shareholders with the right to vote when deciding on issues of reorganization or liquidation of the bank, as well as on releasing the bank from the obligation to disclose or provide information provided for by the legislation of the Russian Federation on securities.

The Bank has full economic independence in matters of distribution of profit after tax ( net profit).

After-tax profit is distributed among shareholders in the form of dividends and directed to the formation of a reserve fund. Profit not directed to the payment of dividends and to the reserve fund remains at the disposal of the Bank in the form of retained earnings.

The Bank forms a reserve fund in the amount of at least 5% of the authorized capital.

The reserve fund is formed by annual deductions in the amount of at least 5% of net profit until the established amount is reached.

Decisions on the payment of annual dividends and their amount are made by the General Meeting of Shareholders on the recommendation of the Bank's Supervisory Board. Dividends are paid once a year. Dividends are paid to shareholders in cash, net of tax, within 30 days from the date of the decision to pay dividends.

The Bank pays insurance premiums to the Fund compulsory insurance deposits of individuals by transferring funds.

Sberbank of Russia guarantees the secrecy of transactions, accounts and deposits of customers and correspondents. All employees of Sberbank of Russia are required to strictly observe the secrecy of transactions, accounts and deposits of the bank's customers and its correspondents, as well as the bank's commercial secret.

The Bank maintains accounting records and provides financial and other reporting.

The executive bodies of the bank are responsible for the accuracy of the information contained in the statements of Sberbank of Russia.

The grounds, procedure, forms of reorganization and liquidation of Sberbank of Russia are determined in accordance with the legislation of the Russian Federation.

1.2 Characteristics of the organizational and management structures of PJSC Sberbank

Organizational structure - a set of bank departments that perform the functions assigned to them. The purpose of the organizational structure is the management of the functioning of the bank Zhukov E.F. Banks and non-bank credit organizations and their operations. M., 2013. S. 87. .

Organizational structure commercial bank is determined, first of all, by its organizational and legal form of ownership, which determines the organizational structure of the bank, which, of course, is reflected in the Bank's Charter.

The organizational structure of the bank includes functional units and services of the bank, each of which has certain rights and obligations.

The choice of the optimal organizational structure of the bank is an important condition for the effectiveness of the organization of labor in the bank as a whole, its successful commercial activities.

The main criterion for the organizational structure of the bank is the economic content and volume of operations performed by the bank.

The management structure of the bank includes functional divisions and services, the number of which is determined by the economic content and volume of operations performed by the bank, which are reflected in the License for this bank to carry out banking activities.

As of December 31, 2016, PJSC Sberbank has 14 territorial banks, 79 branches of territorial banks and 15,016 customer service outlets in the Russian Federation.

The governing bodies of Sberbank are: the General Meeting of Shareholders, the Supervisory Board, the Management Board of the Bank. The Management Board is headed by the President and Chairman of the Management Board of the Bank.

Organizational PJSC structure Sberbank is shown in Figure 1.

The General Meeting of Shareholders is the supreme governing body of Sberbank of Russia. At the General Meeting of Shareholders, decisions are made on the main issues of the Bank's activities. Held once a year. The General Meeting of Shareholders resolves the following issues: approval of the annual report, considers the report of the audit commission, the report of the management, the procedure for distributing profits and its use (the amount and procedure for paying dividends), the development plan for the next year, determines the bank's development strategy, elects the Board of the bank.

Figure 1 - Organizational structure of PJSC Sberbank

In accordance with the Charter, the general management of the bank's activities is carried out by the Supervisory Board. The competence of the Supervisory Board includes the issues of determining the priority areas of the bank's activities, the appointment of members of the Management Board and early termination their powers, issues of convening and preparing General Meetings of Shareholders, recommendations on the amount of dividends on shares, periodic hearing of reports of the President, Chairman of the Board on the activities of the bank and other issues.

Committees of the Supervisory Board are bodies created for preliminary consideration of the most important issues within the competence of the Supervisory Board and preparation of recommendations on them. The Committees are formed annually from among the members of the Supervisory Board. Each Committee includes independent directors. The committees facilitate working interaction with the bank's management bodies. Decisions of the Committees are advisory in nature. The committees of the Supervisory Board and their powers are presented in Table 1.

Table 1 - Characteristics of the Committees of the Supervisory Board Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017.

Committee name	Powers
Audit Committee	Carries out a preliminary assessment of candidates for the bank's auditors, prepares recommendations for the Supervisory Board on the choice of an audit organization for approval at the general meeting of shareholders, considers the conclusions of the auditor and the Audit Commission, evaluates the effectiveness internal control.
Human Resources and Remuneration Committee	Develops principles and criteria for determining the amount of remuneration for members of the Supervisory Board and executive bodies of the bank, determines the criteria for selecting candidates for members of the Supervisory Board and executive bodies of the bank, and also performs a preliminary assessment of these candidates
Strategic Planning Committee	reviews and evaluates long-term trends in the development of the banking operations market, analyzes strategic development projects for the bank, develops proposals for the formation of the bank's policy in the field of risk management, analyzes and evaluates the adequacy and effectiveness of the bank's risk management systems

The current activities of the bank are managed by the President, the Chairman of the Board and the Board.

The Board is a collegial executive management body. The Management Board preliminarily discusses all issues subject to consideration by the General Meeting of Shareholders and the Supervisory Board of the bank, determines the bank's policy in the field of risk management and other areas of activity, discusses the reports of the heads of departments of the central office of the bank and heads of territorial banks on the results of activities, organizes the introduction into the practice of the bank of the most advanced banking technologies, implements projects for integrated automation banking works, ensures the creation of a modern banking infrastructure, solves current issues of the bank's activities.

Committees of the Bank: the Committee for Retail Lending ensures the implementation of the Bank's policy in the field of lending to individuals, the Committee for Human Resources ensures the implementation of the Bank's Development Strategy in terms of personnel management, the Committee for Processes and Technologies ensures the implementation of the Bank's Development Strategy in terms of the development of processes and technologies, etc. .d Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. .

The Bank has a permanent collegial working body - the Board of the Bank, which includes members of the Board of the Bank, heads of territorial and subsidiary banks. The Board is a platform for active discussion of strategic issues of the bank's development and development of optimal solutions that take into account the peculiarities of the regions.

To exercise control over the financial and economic activities of the bank, the annual General Meeting of Shareholders elects Audit committee in the amount of 7 people. The audit commission checks the bank's compliance with legislative and other acts regulating its activities, the establishment of internal control in the bank, the legality of the operations performed. The Audit Commission assesses the reliability of the data included in the annual report and contained in the bank's annual financial statements.

1.3 Activities of PJSC Sberbank

PJSC Sberbank was established with the aim of attracting temporarily free funds of the population and enterprises, and their effective placement on the terms of repayment, payment, urgency, in the interests of the bank's depositors and in the interests of the development of the national economy.

The main activities of the Bank Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. :

Corporate business - provision of services to corporative clients and organizations for servicing settlement and current accounts, opening deposits, providing all types of financing, guarantees, servicing foreign trade operations, collection services, etc.;

Retail business - provision of banking services to clients - individuals for accepting funds on deposits, lending, servicing bank cards, operations with precious metals, foreign exchange operations, money transfers, payments, storage of valuables, etc.;

Operations in financial markets - operations with securities, operations to place and raise funds in the interbank market, to raise long-term funds in the capital markets, operations with foreign exchange and derivatives financial instruments, as well as other operations in the financial markets.

As part of the above areas of activity, Sberbank offers customers a wide range of banking products and services.

Sberbank of Russia carries out the following banking operations Ibid. :

Attracting funds from individuals and legal entities (on demand and for a specified period);

Placement of attracted funds on its own behalf and at its own expense;

Opening and maintaining bank accounts of individuals and legal entities;

Transfers of funds on behalf of individuals and legal entities, including correspondent banks, to their bank accounts;

Collection of funds, bills of exchange, payment and settlement documents and cash services for individuals and legal entities;

Purchase and sale of foreign currency in cash and non-cash forms;

Attracting deposits and placement of precious metals;

Issuance of bank guarantees;

Money transfers without opening bank accounts, including electronic money (except for postal orders).

In addition to banking operations, the bank carries out the following transactions Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. :

Issuance of guarantees for third parties, providing for the fulfillment of obligations in cash;

Acquisition of the right to demand from third parties the fulfillment of obligations in cash;

Trust management of funds and other property under an agreement with individuals and legal entities;

Operations with precious metals and precious stones in accordance with the legislation of the Russian Federation;

Leasing to individuals and legal entities of special premises or safes located in them for storing documents and valuables;

Leasing operations;

Provision of consulting and information services.

The Blagoveshchensk Branch of Sberbank of Russia provides services for individuals and legal entities: consumer loans, educational loans, mortgages, car loans, credit cards, loan refinancing. Accepts deposits and deposits: term deposit, online deposit, deposit for settlements, savings certificate, DIA payments, compensation for deposits, as well as the search for accounts. The Blagoveshchensk branch is part of the Far East Bank with central office in the city of Khabarovsk, which serves the population and businesses in the Khabarovsk and Primorsky Territories, the Amur and Sakhalin Regions, the Jewish Autonomous Region Cbr.ru Electronic resource: official. website. - 05/17/2010. - Access mode: www.cbr.ru. - 29.09.2017. .

2. Analysis of the main economic indicators of PJSC SBERBANK

2.1 Horizontal asset analysis, equity and obligations of Sberbank

With the help of horizontal analysis, we will study the change in the final indicators of the balance sheet of PJSC Sberbank over time. Let's trace the changes that have taken place over the previous and previous years.

In the table, based on the financial statements presented in the appendix, horizontal analysis assets of PJSC Sberbank.

Table 2 - Horizontal analysis of the assets of PJSC Sberbank

	Indicator values	Horizontal Analysis
			Absolute change	Relative change, %

assets, total
Cash
At the Central Bank of the Russian Federation
Required reserves


Net debt
Net investments in securities and other financial assets available



Deferred tax asset


Other assets

Having considered the horizontal analysis of the assets of PJSC Sberbank, it can be seen that the volume of assets as of 01/01/2017 decreased compared to the previous period by 985,837,610 million rubles. or by 4.54%. This was due to a decrease in the volume of cash by 19.18%, funds of credit institutions by 2.31%, financial assets valued at fair value through profit or loss by 187.23%, net investments in securities and other financial assets available for sale by 2.06%.

At the same time, as of January 1, 2017, compared to January 1, 2016, the funds of credit institutions with the Central Bank increased by 39.34%, required reserves by 23.49%, investments in subsidiaries and affiliates by 22.43%, as well as long-term assets held for sale increased by 22.33%.

Table 3 shows a horizontal analysis of equity and liabilities of PJSC Sberbank.

Table 3 - Horizontal analysis of equity and liabilities of PJSC Sberbank

	Indicator values	Horizontal Analysis
			Absolute change	Relative change, %



Funds of credit organizations


Financial liabilities at fair value through profit or loss



Other liabilities
Provisions for possible losses contingent liabilities credit nature, other possible losses and transactions with residents of offshore zones
Total liabilities
Sources of own funds


Share premium
reserve fund
Revaluation at fair value of securities

This table shows that the liabilities of PJSC Sberbank as of 01/01/2017 decreased by 1486605889 million rubles compared to the previous periods. or by 7.87%.

This is due to a decrease in loans, deposits and other funds of the Central Bank of the Russian Federation by 0.32%, funds of credit institutions by 0.69%, funds of customers who are not credit institutions by 4.98%, financial obligations at fair value through profit or loss by 112.08%, debt obligations issued by 6.02%, deferred tax liabilities by 422.13%.

Having considered the horizontal analysis of the equity capital of Sberbank, we can conclude that as of 01/01/2017, compared to the previous period, the sources of equity increased by 500,768,279 million rubles. or by 17.7%. This was due to an increase in income from the revaluation of securities at fair value by 216.36%, there was also an increase in retained earnings of previous years by 7.99% and unused profit for reporting period by 56.17%.

2.2 Vertical analysis of assets, equity and liabilities of Sberbank

Using vertical analysis, consider the structure of the final data balance sheet in the form of relative values, and also analyze the change in balance sheet items compared to previous years.

In table 4, based on the financial statements presented in the appendix, a vertical analysis of the assets of PJSC Sberbank was carried out

Table 4 - Vertical analysis of Sberbank assets

	Indicator values	Vertical Analysis

assets, total
Cash

Required reserves
Funds in credit institutions
Financial assets at fair value through profit or loss
Net debt
Net investments in securities and other available-for-sale financial assets
Investments in subsidiaries and affiliates
Net investment in securities held to maturity
Current Income Tax Requirements
Deferred tax asset
fixed assets, intangible assets and inventories
Long-term assets held for sale
Other assets

Having considered the vertical analysis of the assets of PJSC Sberbank, we can conclude that as of January 1, 2017, a large share in the total assets is occupied by the net debt of 74.68%. The same can be said about 2016. Net debt is 74.29%.

Net investments in securities and other financial assets available for sale as of 01/01/2017 in total assets amount to 10.45%, funds of credit institutions in the Central Bank of the Russian Federation - 4.45%. The smallest share in total assets is held by long-term assets held for sale - 0.03%.

In table 5, based on the financial statements presented in the appendix, a vertical analysis of equity and liabilities of PJSC Sberbank was carried out.

Table 5 - Vertical analysis of equity and liabilities of PJSC Sberbank

	Indicator values	Vertical Analysis



Total liabilities
Loans, deposits and other funds of the Central Bank of the Russian Federation
Funds of credit organizations
Due to customers other than credit institutions
Deposits (funds) of individuals, including individual entrepreneurs
Financial liabilities measured at fair value
Issued debt
Liability for current income tax
Deferred tax liability
Other liabilities
Provisions for possible losses on contingent credit related commitments
Sources of own funds
Total sources of own funds
Funds of shareholders (participants)
Own shares (shares) redeemed from shareholders
Share premium
reserve fund
Fair value revaluation of securities available-for-sale
Revaluation of property, plant and equipment reduced by deferred tax liability
Reassessment of long-term benefit liabilities
Revaluation of hedging instruments
Grant Funding Cash
Retained earnings of previous years
Unused profit for the reporting period

The table shows that as of January 1, 2017, in the total volume of liabilities, the largest share is occupied by funds of customers who are not credit institutions - 89.36%. Then 57.89% belongs to the deposits of individuals, including individual entrepreneurs. The smallest share in the bank's liabilities is occupied by current income tax liabilities - 0.03%. In 2016, the largest share was also accounted for by the funds of clients that are not credit institutions - 86.97%, then 50.16% belongs to the deposits of individuals, as well as individual entrepreneurs.

Having considered the vertical analysis of sources of own funds, we can conclude that as of January 1, 2017, the largest share in the total volume is retained earnings previous years - 68.79%. Unused profit for the reporting period is 17.61%. The smallest share in the total volume of own capital is made up of the reserve fund - 0.12%.

3. Characteristics of operations of PJSC SBERBANK

3.1 Characteristics of active operations of PJSC Sberbank

The active operations of the Savings Bank are related to the provision of loans to banks, organizations and the population within the limits of the resources at its disposal. Active operations also include all types of operations with securities. The implementation of active operations leads to an increase in funds in active accounts, reflecting cash, bank loans, investments in equipment, buildings, securities, and so on.

Active operations include:

Operations on placement of funds in securities;

Interbank lending;

Loans to legal entities and individuals.

When lending to legal entities, Sberbank of Russia adheres to the following areas:

1 Support for the following industries and sectors of the economy:

Industries that guarantee the satisfaction of the daily and most necessary vital needs of the population (retail chains, pharmacies, etc.);

Industries that perform life-supporting functions (electricity and water supply, transport, etc.);

Defense-industrial complex;

Small business;

Agriculture.

2 Support for existing clients of Sberbank of Russia and fulfillment by the Bank of its legal obligations for lending under concluded agreements, support for the Bank's borrowers whose business continuity is critical for other borrowers of Sberbank of Russia.

3 Lending working capital and current business needs of clients.

With regard to individuals, Sberbank of Russia follows the following priorities:

Increases the availability of loans by offering various ways their repayment - equal monthly (annuity) or differentiated payments, with the obligatory explanation to clients of all the possibilities and limitations of a particular type of payment;

Helps clients avoid becoming over-indebted by increasing attention to individual solvency when issuing new loans;

Retains the entire line of retail loan products and continues to optimize it, taking into account the need to maintain the quality of the loan portfolio;

Provides an increase in the financial literacy of the population, consultations and explanations on all products and services of the bank;

Strengthens the work on maintaining and improving the quality of the loan portfolio, carefully assessing the financial capabilities of borrowers and the proposed collateral.

PJSC Sberbank provides the following types of loans:

1) consumer credit;

2) mortgage loan;

3) credit cards.

Consumer credit - credit provided directly to citizens (households) for the purchase of consumer goods. Such a loan is taken not only for the purchase of durable goods (apartments, furniture, cars, etc.), but also for other purchases (mobile phones, household appliances, food). It acts either in the form of the sale of goods with a deferred payment, or in the form of a bank loan for consumer purposes, including through credit cards. In this case, a fairly high percentage is charged.

Table 6 shows the characteristics of consumer loans of PJSC Sberbank

Table 6 - Characteristics of consumer loans of PJSC Sberbank

View consumer credit	Description	Amount of credit	Interest rate	Credit term
Consumer loan without collateral	The loan is allocated for any purpose without collateral and guarantee	Up to 3,000,000 rubles	From 13.9% per year
Consumer loan secured by individuals	Issued under the guarantee of two persons that meet the criteria for the borrower	Up to 5,000,000 rubles.	From 12.9% per year
Non-targeted loan secured by real estate	The main condition is a pledge of own property.	Up to 10,000,000 rubles, should not exceed 70% appraised value real estate	From 12% per year
Consumer credit to military personnel - participants of the NIS (savings and mortgage system)	For any purpose, including as an additional payment for the purchased apartment	Maximum loan amount: 500,000 rubles. (without collateral), RUB 1,000,000 (with registration of a guarantee of an individual).	13.5% (with collateral), 14.5% (without collateral).
Loan to individuals leading a personal subsidiary farm	Special credit program for owners of private farms.	No more than 1,500,000 rubles. for one household
Consumer loan for refinancing	Making a loan to refinance debt.	Up to 3,000,000 rubles	13.9% and 14.9% per year

The appendix contains a list of requirements for borrowers and required documents for each type of consumer loan. Mortgage loan - providing a long-term loan on collateral real estate(land, dwellings, etc.). Table 7 provides a description of mortgage loans of PJSC Sberbank.

Table 7 - Characteristics of mortgage loans of PJSC Sberbank

View mortgage loan	Description	Amount of credit	Interest rate	Credit term
Acquisition of finished housing	A loan for the purchase of an apartment or other residential premises for secondary market real estate.	From 300 000 rub.	From 8.9% per year
Promotion for new buildings	A loan for the purchase of housing under construction or housing in a finished new building from a selling company.	From 300 000 rub.	From 7.5% per year
Mortgage plus maternity capital	When purchasing a home on credit, as down payment maternity capital funds can be used.	From 300 000 rub.	From 8.9% per year
Residential building construction	Loan for individual construction of a residential house.	From 300 000 rub.	From 10% per year
country estate	A loan for the purchase, construction of a dacha (garden house) and other buildings for consumer purposes.	From 300 000 rub.	From 9.5% per year
military mortgage	A loan for the purchase of an apartment, residential building or other residential premises in the secondary real estate market, as well as for the acquisition in the primary real estate market.	Up to 2,200,000 rubles.	10.9% per year

The appendix presents the requirements for borrowers and the required documents for each type of mortgage loan.

The technology for issuing loans in PJSC Sberbank is presented in table 8.

Table 8 - Technology of issuing loans

Name	Characteristic
Consideration period loan application	Within 2 working days from the date of submission to the Bank complete package documents.
The procedure for granting a loan	The loan is granted at a time, no later than 30 calendar days from the date of the Bank's positive decision to grant the loan. The date of the actual provision of the Loan is the date the loan is credited to the bank card account opened with PJSC Sberbank.
Loan repayment procedure	Annuity (equal) payments.
Partial or complete early repayment loan	It is carried out upon application at the branch of the Bank. The application must contain the date of early repayment, the amount and the account from which the funds will be transferred. The execution of the application for early repayment is made on the date of early repayment specified in the application, which may fall on a business day, as well as on a weekend or holiday. The minimum amount of early repayment is unlimited. There is no fee for early redemption.
Penalty for late loan repayment	The penalty for late repayment of a consumer loan is 20% per annum from the amount of the overdue payment for the period of delay from the date following the date of the fulfillment of the obligation established by the Agreement to the date of repayment of the Overdue Debt under the Agreement (inclusive). The penalty for late repayment of a mortgage loan corresponds to the amount key rate Bank of Russia

Credit card - banking payment card, intended for transactions, settlements for which are carried out exclusively at the expense of funds provided by the bank to the client within the established limit in accordance with the terms of the loan agreement.

Table 9 shows the characteristics of Sberbank credit cards and the requirements applicable to borrowers.

Table 9 - Characteristics of Sberbank credit cards and requirements applicable to borrowers

View credit card	Description	Maintenance cost	Credit	Loan interest	Client Requirements
classical Master Card	Credit card for daily use	From 0 to 750 rubles. in year	Up to 600,000 rubles.	From 23.9% to 27.9% per year	Citizenship of the Russian Federation, age from 21 to 65 years, permanent registration on the territory of the Russian Federation.
Gold MasterCard	Credit card for daily use, including a set additional services, Special offers and discounts	From 0 to 3000 rubles. in year	Up to 600,000 rubles.	From 23.9% to 27.9% per year	Citizenship of the Russian Federation, age from 21 to 65 years, permanent or temporary registration on the territory of the Russian Federation.
Premium card MasterCard World Black Edition	A credit card will allow you to return up to 10% of the cost of purchases with bonuses THANK YOU	4900 rub. in year	Up to 3,000,000 rubles.	From 21.9% per year	Citizenship of the Russian Federation, age from 21 to 65 years old, permanent or temporary registration in the territory of the Russian Federation, total work experience of at least 1 year over the past 5 years and a period of work in the current place of at least 6 months
classical Visa card Aeroflot	A credit card allows you to earn Aeroflot Bonus miles and exchange them for award tickets of Aeroflot airlines or Sky Team alliance companies	900 rub. in year	Up to 600,000 rubles.	From 23.9% to 27.9%	Citizenship of the Russian Federation, age from 21 to 65 years, permanent or temporary registration on the territory of the Russian Federation, total work experience of at least 1 year over the past 5 years and a period of work in the current place of at least 6 months.
Aeroflot Visa Gold Card	A credit card allows you to earn Aeroflot Bonus miles and take advantage of special offers	3500 rub. in year	Up to 600,000 rubles.	From 23.9% to 27.9% per year	Citizenship of the Russian Federation, age from 21 to 65 years inclusive, permanent or temporary registration on the territory of the Russian Federation.
Aeroflot Visa Signature premium card	A credit card that allows you to accumulate more Aeroflot Bonus miles	12 000 rub. in year	From 300,000 to 3,000,000 rubles.	21.9% per year	Citizenship of the Russian Federation, age from 21 to 65 years inclusive, permanent or temporary registration on the territory of the Russian Federation
Classic Visa Card "Give Life"	50% of the cost of the first year of service and 0.3% of each purchase goes to a charity	From 0 to 900 rubles. in year	Up to 600,000 rubles.	From 23.9% to 27.9% per year	citizenship of the Russian Federation, age from 21 to 65 years, permanent or temporary registration on the territory of the Russian Federation, a total work experience of at least 1 year in the last 5 years and a period of work at the current place of work of at least 6 months.

You can apply for a credit card in any branch of PAO Sberbank. Required documents for registration: a passport of the Russian Federation and an application form for a credit card. Loan term - 3 years.

Thus, Sberbank provides a wide range of lending services, taking into account the needs of various client groups.

3.2 Characteristics of passive operations of PJSC Sberbank

Deposit operations - these are bank operations to attract funds from legal entities and individuals in deposits either for a specified period or on demand.

Considering the deposit policy of the bank as one of the elements of the banking policy as a whole, it is necessary to proceed from the fact that the main goal deposit policy is to attract as much money as possible at the lowest price.

Successful implementation of this multifaceted goal of the bank's deposit policy involves solving such tasks as:

Assistance in the process of conducting deposit operations in obtaining bank profits or creating conditions for making profits in the future;

Maintaining the required level of bank liquidity;

Ensuring the diversification of the subjects of deposit operations and the combination of different forms of deposits;

Maintaining the relationship and mutual consistency between deposit operations and operations for issuing loans in terms of amounts and terms of deposits and credit investments;

Minimization of free funds on deposit accounts;

Conducting a flexible interest rate policy;

Constant search for ways and means to reduce interest expenses on attracted resources;

Development of banking services and improvement of the quality and culture of customer service.

The successful fulfillment of the goals and objectives set by the bank in the process of developing and implementing the deposit policy largely depends on the effectiveness of the functioning of the mechanism for the formation of the deposit policy.

Each of the stages of the formation of the deposit policy of Sberbank is directly related to the others and is mandatory for the formation of an optimal deposit policy and the correct organization of the deposit process. Various structural subdivisions of the bank take part in the process of developing the mechanism of the bank's deposit policy.

By maturity, deposits are divided into demand deposits and term deposits.

Demand deposit - under the agreement, the credit institution undertakes to return the invested funds at any time at the first request of the client. Since the bank does not accept a deposit for a certain period, the rate on such a deposit is minimal - on average no more than 0.1%.

Term deposit - deposits are placed for a certain period specified in the contract. Most often there are deposits for three, six months or one year. In order to receive the full interest rate, it is necessary to keep the money in the deposit during the entire term of the agreement. Otherwise, the bank will return the deposit, but with a significantly reduced interest - usually at the level of the rate on demand deposits.

Term deposits can, in turn, be divided into separate subspecies according to their purpose: savings, savings or settlement. The simplest of them is savings. For such a deposit, replenishment operations are prohibited and partial withdrawal amounts. Savings deposits tend to have the highest rates.

Savings deposits are designed for those who would like to replenish the deposit during the term of the agreement. They are intended for those who would like to accumulate some a large sum(for example, for an expensive purchase).

The settlement deposit allows the client to maintain, to one degree or another, control over his funds, manage his savings by making credit or expenditure transactions. Another name for this type of deposit is universal deposits. Settlement deposits are also consumable-replenished and consumable.

The types of deposits can also be differentiated depending on who they are intended for.

The deposit for individuals is intended for ordinary citizens. Such deposits are protected by the deposit insurance system.

Deposit for legal entities - a type of deposit designed for organizations. With the help of it, companies place temporarily free cash. By agreement between the bank and the legal entity, early withdrawal of funds from the deposit may be prohibited, and this does not contradict the current legislation. In addition, deposits of legal entities are not subject to the deposit insurance system.

Special deposits are offered, as a rule, to a narrower group of persons.

For example, banks can develop special products for pensioners, students, etc. In Sberbank, this type of deposit includes the Social deposit. This is a special contribution for children left without parental care. The deposit is issued for 3 years, the minimum amount is 1 ruble, interest rate- 4.06% in rubles.

Table 10 - Characteristics of term deposits for individuals in PJSC Sberbank

Type of deposit	Description	Minimum deposit amount	Interest rate	Deposit term
Deposit "Save Online"	Online deposit for reliable savings and guaranteed income.		From 4.05% to 5.63%	From 1 month to 3 years inclusive
Deposit "Top Up Online"	A replenishable deposit for those who prefer to save and save their funds regularly.		From 3.95% to 5.12%
Deposit "Manage Online"	Online deposit for free management cash with the ability to use part of the funds without loss of interest.		3.25% to 4.82%	From 3 months to 3 years inclusive
Deposit "Give Life"	Contribution to help children with serious illnesses. Every 3 months, Sberbank transfers an amount of 0.3% per annum of the deposit amount to the Podari Zhizn charitable foundation
savings account

Structure of PJSC Sberbank of Russia. Characteristics of pjsc "sberbank of russia" Equity of the Group