Article Prospects for Sberbank Deposit Policy. Proposals for improving deposit operations in Sberbank of the Russian Federation. Financial management of a commercial bank on the example of a savings bank of Russia
When attracting cash, the right of choice remains behind the client, and the bank is forced to lead a tough competition for the contributor, which is fairly easy to lose. The limited resources associated with the development of banking competition leads to close binding to certain customers. If the circle of these clients is narrow, then the dependence on them is very high. In part passive operations The choice of the bank is usually limited to a certain group of clientele, to which it is tied much stronger than to borrowers. As a result, in the current situation, to solve the problem of the formation of a resource base of the Bank, it is necessary to strengthen the work on expanding the circle of depositors.
Strinking competition for customer funds requires modern banks of increased attention to the improvement of used methods of management of attracted resources.
Legislative base enshrines the foundations banking activities By attracting resources. In addition to laws, the Bank's activities are regulated by detailed regulatory acts Bank of Russia, defining the basic requirements for banks.
For activities to attract resources, a monetary policy has been providing significant impact on the Bank of Russia.
Reserve requirements have historically performed the function of providing banks before depositors and creditors, which in the conditions of creating the deposit insurance system is not so relevant. In modern conditions, the Reserve Creation Policy has a great impact on the volume and structure of the raised resources, and mainly on the cost of raised resources. Of course, the establishment of mandatory reserves by the Bank of Russia is justified. But for the bank, as you know, the backup requirements mean the need to distract the part of the raised resources to backup accounts, and therefore, the reduction of the amount of resources that can be used to carry out revenue active operations.
Currently, the Bank of Russia has somewhat softened the backup requirements. The need for reserve deductions and deductions to the Fund mandatory insurance Deposits determines the "rise in price" of the raised resources. A decrease in mandatory reserves on the contributions of the population would allow banks to offer higher, and, accordingly, more attractive interest rates for clients.
An important method of managing the involved resources of the Bank is to diversify the raised resources.
Diversification (from lat. DIVERSIFICATION - change, variety) of deposits involves the expansion of modifications of deposit services, and speaking, in simple, increasing the diversity of deposits offered by the Bank. Per last years The range of deposit services has significantly expanded and continues to expand and banks tend to maximize the needs of various categories of depositors: from here youth deposits, pension deposits, deposits for VIR clients, etc.).
Other methods of managing the bank's attracted resources are differentiation of interest rates; charification; Limit.
It is necessary to note the bank's desire to maximize interest rates on various deposit services, first, to maximize the needs of customers, and secondly, to ensure optimal profitability.
For the greatest interest of customers, Sberbank of Russia can offer interest payments on placed deposits ahead with the purpose of compensation. inflationary losses. In this case, the depositor when placing funds for a certain period immediately receives income due to him. However, if the contract is terminated early, the Bank recalculates interest on the contribution and excessively paid amounts will be held from the deposit amount.
Tariffication as a method of managing attracted resources is related to the establishment and change in tariffs for certain banking services. Bank commissions and service fees (account management, etc.) have a tariff basis. The Bank establishes tariffs for opening, maintaining and maintaining accounts separately for individuals and for legal entities. Tariffs are established, for example, in relation to the following services in terms of raised resources individuals: opening an account (may be free); Monthly fee for personal account management (charged by non-host); Cash enrollment to the account (usually free); The provision of accounts on accounts about all perfect operations.
The main purpose of the application and development of the Tariff method is to improve the quality of service and the organization of new forms of services, which ultimately aims to increase the total balance of funds on current, calculated and other customer accounts. With the same ultimate goal and limit is carried out - this is the establishment by the Bank of various restrictions (limits).
Of particular relevance today has a portfolio method of managing attracted resources. The purpose of using this method is to ensure the balance between the accuracy and posted resources for timing and interest. Therefore, the Bank needs a competent deposit policy, which is based on the maintenance of the necessary level of diversification, ensuring the possibility of attracting monetary resources from other sources and maintaining a balance with assets in terms of timing, volumes and interest rates. In order to maintain the sustainable situation and dynamic development in the market of deposit services in Sberbank of Russia, the deposit insurance system was also created. This system Favorable for both banks and for his clients. For customers, the deposit insurance system is attractive from the point of view of their preservation of their deposits with a bankruptcy bankruptcy, which will ensure this bank Comparative advantages Compared to other banks, where such a system is absent. This system gives the bank an additional influx temporarily free funds population and legal entities in deposits, because It will be confident that his contribution is protected in crisis situations. The inflow of funds accordingly will allow the Bank to expand its base for lending to the real sector of the economy. Insurance facilities (due to lack of sources of financing) are deposits of individuals, and in perspective and deposits of legal entities.
Sberbank of Russia is incorporated into the register of participating banks of the system of compulsory deposit insurance. (Sberbank of Russia is admitted to the deposit insurance system at a meeting of the Bank of Russia Banking Supervision Committee on December 29, 2004). Since January 11, 2005, funds from individuals in rubles and foreign currency placed in a bank on the basis of a bank deposit agreement or a bank account agreement, including the interest ranked in the amount of interest, are considered insured. Obviously, the creation of a CER level Sberbank with other commercial banks, having deprived him of competitive advantages on the availability of a complete state guarantee on all involved contributions of the population.
Initially, the law provided for two features of his participation: 1) For Sberbank, a special account will be opened on which funds transferred to them in the deposit insurance fund will be kept, these funds cannot be used to pay compensation to depositors of other banks; 2) Until January 1, 2007, Sberbank's depositors continued to have a hundred percent state guarantee.
However, despite the Sberbank Right Equation with other commercial banks, he remains the largest bank Countries with the most developed branch network, which the population is accustomed to trust.
One option to solve the problem of activating the Bank's activities to attract population savings is the creation of a system for guaranteeing bank deposits. The implementation of a banking deposit guarantee system solves the following tasks: protection of small depositors; increase savings; Strengthening competition in the banking sector.
In turn, the deposit guarantee system allows you to solve the following tasks:
Attracting long-term resource in the bank sector;
Increase investment activity of credit institutions;
Rising confidence K. banking system, above all, from small depositors;
Increasing the stability of the banking sector;
Reducing the likelihood of manifestation of systemic risk.
The organization of the Deposit Guarantee System makes sense only when the goal is to maintain individual credit institutions under the condition of the stable functioning of the entire banking sector. In the case of a systemic crisis, partial guarantees on which the deposit insurance scheme is based, will not lead to its preservation or recovery.
Adoption in December 2003 of the Federal Law No. 177-FZ "On insurance of deposits of individuals in banks Russian Federation"Predetermined a change in the near future qualitative characteristics The banking system, among which the following are distinguished:
Increase its resource base. Move financial resources The banking system is estimated by economists in the amount of 10-20 billion dollars. At the same time, this process at the initial stage will be accompanied by an outflow of funds from a savings bank, interest rates on whose deposits were traditionally lower than interest rates of private commercial banks.
The increase in the share of deposits equivalent to the amount of guarantees (i.e. up to 100 thousand rubles). Accordingly, the strategy of individual lenders possessing more large sumswill be built on the placement of funds in different credit organizations. Thus, a uniform placement of resources among commercial banks will be achieved.
The emergence of alternative to contributing to the possibilities of placing funds. At the same time, banks will be interested in reducing the costs associated with the payment of insurance premiums, and in the desire to keep the most profitable customers.
Sberbank of Russia traditionally leads to the private deposit market. More than 2.5 trillion focuses on its deposits. rubles. But commercial banks are not ready to accept his championship and begin to actively offer new products, and at a more attractive price than the market leader. That is why Sberbank of the Russian Federation needs to improve his deposit policy, taking into account the conditions of products offered by competitors.
It has already been said that the main volume of attractive funds from Sberbank of Russia is contributing to the contributions of the population. However, statistics show that the share of bank savings in the total amount of savings of citizens does not exceed 20-30%, which indicates significant opportunities to significantly increase the passive base due to the attraction of population savings. In fact, competition between banks for depositors today is only in the market of short-term savings of the population and does not affect the accumulation tools. Political I. economic instability last decade, distrust of citizens to russian currencynumerous facts of bankruptcy large financial companies and banks restrain the involvement of the funds of the population into the economic turnover. As the economic and political situation stabilizes in the country, the possibility of attracting these funds will increase. Competitive advantages on this market will have banks capable of guaranteeing customers the preservation of deposits, ensure the provision of a full spectrum of quality banking services.
The potential of Sberbank of Russia in the market for attracting funds of legal entities is also not exhausted. The possibility of comprehensive service of the largest enterprises of the country with a developed regional structure, throughout the territory of the Russian Federation, makes it possible to consolidate the majority of major corporate clients In the bank, and the branched network of branches allows you to meet the needs for small and medium businesses.
Given the foregoing, it is also possible to assume that the target deposits will be beneficial for Sberbank customers, the payment of which will be timed to the vacation period, birthdays or other holidays.
Their deadlines are shorter than traditional, and the percentage is higher. An example of the target contribution may be the so-called New Year and Christmas deposits, i.e. During the year, the Bank takes small contributions to the celebration of the New Year and Christmas, and at the end of the year the bank issues money to depositors. At the same time, those who wish can continue the accumulation of money until next new year. However, Sberbank of Russia in the number of interest policy priorities determine the increase in the share of long-term deposits.
The Deposit Policy of Sberbank of Russia determines that the deposits offered by the Bank will take into account the needs of all social and age groups of citizens - working and retirees, young people, middle-aged people and will be calculated both by low-income segments of the population and on people with an average and high level of income.
Here, for customers with different income level, the Bank could offer fundamentally new financial services, such as the connection of contributing products with credit and insurance, to develop products aimed at meeting the needs of depositors in housing, large purchases, pay for education, tourism and recreation.
With regard to attracting funds to legal entities, the Bank's policy is very rational, but the competitive disadvantage of Sberbank today is the low rate of payments in a number of regions, the lag as customer service, the lack of a variety of grocery series. Improving the interaction of divisions of Sberbank of Russia and the diversity of the product range will undoubtedly allow attracting funds to legal entities.
Creating an individual service system involves:
Proposal to the client specially developed individual schemes and technologies ensuring the development and optimization of the client's business, insurance of its risks;
Consolidation by the client of personal managers who have the necessary level of authority, providing customers with the Bank's technological and information capabilities of the Bank, a wide range of consulting services;
Conducting a flexible tariff policy of individual services. In addition, Sberbank of Russia has unique opportunities to simultaneously promote a set of services throughout Russia with less costs due to consolidation of expenses for the introduction of new technologies and advertising campaigns, but, as such, advertising banking products and Sberbank of Russia services potential depositors do not see and do not hear. From here it follows that the bank should develop system approaches to advertising policies, which will make it an effective tool for forming a client base. Each competitive advantage of the bank, each new product offered for sale should be known and understandable to customers, are easily comparable, and also profitably differ from the proposals of competitors. To speed up and facilitate customers to obtain the necessary information about deposits in Sberbank, it is advisable to create telemarketing service - advertising bank deposits on the phone, which will be provided for free.
The client service service on the phone is subject to individual work with clients interested in obtaining more detailed information, and with clients that are not satisfying standard service conditions. At the same time, it is not necessary to be the client of this bank. The information provided by this service should reflect the content of the type of services and the possibility of their acquisition.
In the event that the client makes it difficult to present his problems, telemarketing service specialists will ask leading questions: what means it has, for what time the time he wants to put money on a deposit, which profit is counting on, etc. And then the contribution that is most suitable for the terms of the client is already recommended. If the client decides to leave information about himself in the database information system, after a while, he will send him by mail not only the reference information about new banking products and services, but also the forms of the necessary documents.
As a result, telemarketing will satisfy most of the primary calls and thereby contribute to bringing new customers to Sberbank.
Thus, Sberbank of Russia, being the leader of the retail market for the population, does not fully use the possibility of selling packages of comprehensive services to all categories of citizens. Competitive advantages are poorly implemented (its own estimated system, an extensive network of branches) and in the Bank's work on the service market of legal entities. The lack of a strategy for working with certain groups of clients, the fragmency of the services provided and the lack of a reasonable balance between the sale of standard services and individual services, the insufficient flexibility of the tariff policy does not allow to effectively use the available opportunities and require speedy revision. The volumes of services provided do not correspond to the place of the bank in the banking system of the country and should be significantly increased.
Also for the purpose of improvement deposit Policy Sberbank could offer a number of contributions focused on clients with a high level of income. For example, a contribution, the feature of which was that the personal data of the client would be known only to one person in the bank - a manager for working with VIR clients. At the same time, interest can be paid monthly, including on a free issued by the Bank plastic card. Moreover, even when making money at the cashier, the identity of the client is not disclosed, which means the average and younger bank staff will not be known any data on the client and the risk of disclosing information about the contribution is negligible.
Thus, when developing deposit policies, Sberbank should be guided by certain criteria for its optimization, among which the following can be distinguished:
The relationship of deposit, credit and other bank operations to maintain its stability, reliability and financial sustainability;
Diversification of the bank resources in order to minimize the risk;
Segmentation of the deposit portfolio (by customers);
Differentiated approach to various groups of clients;
Competitiveness of banking products and services.
development of proposals for improving the deposit policy of a commercial bank. (Slide 2)
Exodus from the purpose of my work, I tried to solve the following tasks: (Slide 3 !!!)
Object research Activities of the Department No. 4205 of OJSC "Savings Bank of the Russian Federation"
In the first part, I was disclosed in the essence, goals, tasks of deposit policy, theoretical questions of my work are consecrated in 1 of its parts.
The specificity of the banking institution as one of the types of a commercial enterprise is that the overwhelming part of its resources is formed by the funds raised.
The main types of funds involved in the Bank are funds attracted by banks in the process of working with the clientele (deposits), funds accumulated by issuing their own debt obligations (deposit and savings certificates, promissory).
In order to attract resources to commercial banks, it is important to develop a deposit policy strategy based on the goals and objectives of the Commercial Bank, enshrined in the Charter, maximum profits and the need to preserve bank liquidity.
At the heart of the formation of a commercial bank's deposit policy. Some basic and specific features that we can see on the next slide (slide 4).
In the first section, the mechanism for the formation of a deposit policy is also considered schematically in Figure 1 of the handout.
In the second part of my work, I analyzed the bank deposit market in the Russian Federation and the place of Sberbank in this market.
For example, in 2005, the trend of past years in reducing the number of banks with a license to attract funds in the contributions of funds to attracting funds to attractments to the contributions of funds to attractments to the contributions of funds to attractments was noticeably intensified. This was the result of the selection of banks into the deposit insurance system. In 2005, the number of such banks decreased from 1165 to 1045.
The dynamics of attracted funds of individuals indicate the preservation of positive trends in the development of the banking sector. In 2005, the funds of the population in banks increased by 39% to 2,817 billion rubles (in 2004 by 30%). Of these, as of January 1, 2006, 1,524 billion rubles were posted in Sberbank, and 1,293 billion rubles in other banks.
In 2005, a decrease in the share of Sberbank in the deposit market of individuals.
Sberbank share in the deposit market of individuals
It should be noted that the decline in the share of Sberbank in the deposit market is due to the accelerated development of retail business by other banks, since in absolute terms, deposits in Sberbank are consistently growing.
The next point of my work was the analysis of deposits of the 4205 Security Committee of the Russian Federation for 2003-2005.
The structure of the attracted agents is shown in Figure 2 of the handout material. The fundamental share of the balance sheet is attracted to the funds raised, as part of which funds of individuals are in 2005 (27,59393 thousand rubles) 83% of the liability amount, while legal entities account for thousand rubles) 13.25% of the liability amount.
The largest part of the bank's liability, i.e. FIZ. Persons increased from 2003 to 2005 by 1350452 thousand rubles, which indicates the popularity of Sberbank in the population and on the right policies of the Bank in the field of services for individuals. Persons.
These data are presented in Table 1.
In fig. 3 handouts we can trace the dynamics deposits of Piz. Persons. We observe a significant increase in popularity of the contributions of Piz. Persons. From 2003 to 2005 Deposits of Piz. Persons in the department of Sat RF No. 4205 increased from 1406994 thousand rubles. In 2003 to 275,7446 thousand rubles. In 2005, i.e. Almost 196 %.
In Table 2, we will consider the dynamics of the investment of the FIZ. Persons B. savings certificates.
Having considered the amount of funds invested in savings certificates, we conclude that there was an increase in these funds during the reporting period by 187.23 thousand rubles.
In fig. 4 It is clearly seen that in 2004 there was a sharp increase in the FIZ. Persons invested in savings certificates and then reducing this amount.
The interest policy of the bank affects such a change, so
Attracting private clients and ensuring their security remain the basis of the business of PJSC Sberbank of Russia, attracts funds to urgent deposits, demand deposits, including bank cards, savings certificates, bills and accounts in precious metals. The volume of attracted funds of individuals involving urgent deposits, demands to demand and bank cards, as well as funds in precious metals in 2015 grew by 2.2 trillion. rub. And by January 1, 2016, exceeded 10.3 trillion rubles. (Table 2).
table 2
Structure of funds of individuals PJSC "Sberbank of Russia"
The growth rate of the reporting year (27.2%) exceeded the growth rate of individuals of individuals at the forefront of the previous year (4.9%). The main increase occurred at the expense of urgent ruble deposits. The volume of currency deposits also increased in dollar equivalent. Some deposits are open in remote channels.
During 2015, with a general market trend on the decline in deposits and in the emergence of key bet Bank of Russia, Sberbank six times lowered interest rates on deposits in rubles and currency, including on savings certificates of individuals. Promotions on ruble products, maintain competitive rates monetary depositsAlso, new contributions for wealthy customers allowed PJSC Sberbank of Russia to keep the market share on term deposits in rubles and significantly increase the share on foreign currency deposits (Table 3).
Table 3.
Share of PJSC "Sberbank of Russia" on russian market deposits of individuals
As of January 1, 2016, more than 170 thousand clients have issued a package of Sberbank Prime Minister and more than 22 thousand VIP clients use the Sberbank Service Package.
As part of these packages, customers receive premium debit cards For myself and your loved ones, PRIORITYPASS cards for access to the business halls of the world's largest airports, have the opportunity to take advantage of the preferential currencies and precious metals, as well as a discount on the use of safe cells. For each package there is a special line of deposits with an increased interest rate, as well as increased rates on savings accounts.
PJSC "Sberbank of Russia" separately allocated work with the "Social" segment. Improved level of protection of interests of pensioners for the preservation of their contributions from third-party encroachments. A memo for employees of offices for the protection of savings of retirees and people with disabilities from fraudulent actions of third parties has been developed. Now, having committed simple actions, employees of offices can stop fraudsters, not let them take advantage of the gullibility and fraudulently forced customers to commit consumables on accounts. The registration of a retirement pension is simplified: the pension delivery application is automatically printed when opening an account, which releases 15 minutes of customer time and eliminates the time-consuming manual filling of props. Work is underway so that pensioners can issue documents for the delivery of a pension remotely through personal Area on a single portal of public services.
PJSC "Sberbank of Russia" presents various programs of deposit deposits. Therefore, every citizen of Russia can take advantage of the most convenient program:
· "Contribution save";
· "Savings certificate";
· "Urgent";
· "Deposit contribution for people of retirement age."
A major banking institution has developed an original program that has about 13 options and conditions for deposit depositors. Moreover, 8 of them are replenished monthly, and 4 programs can offer partial removal of funds. The main amount of deposits, allow you to implement the capitalization of rates. As a result, deposit payments are:
About 2% of annual funds in the euro;
10% in domestic currency;
3% in dollars.
People of retirement age most often use deposit deposits "Pop up" and "Keep". Conditions for these deposits are almost identical with deposits for other categories of people. The only difference is in the deposit rate. It depends on the period of action of funds. To increase your own capital, you can use the online deposit.
Pensioners' retirement plus deposit program has great popularity. According to the terms of this deposit, the profit is accrued in the form of a certain premium to the pension. In addition, there is a possibility additional contribution and partial removal of accumulated interest. The overall rate on this contribution is 3.72% per annum.
"Happy percentage" - a new contribution for citizens. The overall rate on this contribution depends on several factors:
Economic situation in the state;
Inflation rate;
The total number of bank resources;
Business activity.
Bank offers of deposit programs depend on the criteria listed. In addition, most of these factors are aimed at the main position of the Central Bank of Russia.
Sberbank regularly holds various modernization in the field of deposit deposits. New programs for the accumulation and savings of funds appear. Even despite the crisis in Russia, depositors manage funded funds based on the proposed banking programs. Cumulative contributions will help:
Monthly to remove interest income;
Receive the most profitable profit;
Place and replenish cash;
Use the most favorable programs a period of 3 to 6 months;
Reject accumulated money with extreme need.
PJSC "Sberbank of Russia" offers each citizen of the Russian Federation flexible system monetary deposits. Each person can choose the duration of storage of accumulated funds. For example, the urgent deposit "replenish" is executed after 3 months. This contribution is valid for several years (3 years).
PJSC "Sberbank of Russia" offers various deposit programs with optimal deposit rates. New contribution The "profitable season" guarantees a good profit to 11.7%. The smallest amount to open a deposit account is equal to at least 1 million rubles. The contribution of "Save" provides an excellent opportunity for issuing a deposit in foreign and domestic currency. The smallest investments from 110 euros and dollars, 1100 rubles. A ruble deposit is equal to 6.32% -9%, and in euro 0.15% and 1.9%, in dollars 0.25% and 1.8%.
The Contribution of "Managing" provides the possibility of a regular contribution of accumulated funds and partial removal. The initial amount for the deposit from 31,000 rubles and $ 1050 and the euro. The overall rate is 5.77% to 7.34% in rubles, 0.3% and 1.6% in euros, 0.7% -2.64% in American currency. Common bets On bank deposits are not too high. However, customers can increase equity And do not worry about the safety of financial savings. Deposit program "Replenish" for people who want to regularly make cash accumulations. The smallest amount for the deposit is equal to 100 euros and dollars, 1100 rubles. Common rates on the ruble contribution of about 6.85% -8%, dollar 0.8% -2.72%, Euro 0.53-1.8%.
"Multicurrency" contribution is made in several currencies. The smallest amount to replenish the account is 110 dollars or euros and 1100 rubles. There is also the possibility of obtaining income from change. currency rate. Deposit rates For domestic currency 0.015% -6.7%, dollar 0.01% -2.7%, Euro 0.01% -1.6%.
"International" contribution provides for the use of many foreign currencies. As a result, bank client It may additionally earn on currency fluctuations. Common deposit programs are: 0.1% -2.7% franc, 0.3% -2.7% yen, 0.7% -4.5% pound sterling.
Programs: "Keep", "replenish", "manage" are presented on the official website of PJSC Sberbank of Russia. In addition, the banking institution offers issuing an application for the opening of the deposit online. Conditions for replenishing the account are identical to the rest of deposits. Nevertheless, interest rates are slightly different:
"Keep online" 6.45% -9.47% in domestic currency, 0.25% -2.14% in euros, 0.45% -3% in dollars;
"Replenish online" 7% -8.8% for rubles, 0.6% -2% for Euro, 1.01% -3% for American currency;
"Manage online" 6.2% -7.6% in the ruble currency, 0.57% -1.8% in euros, 1% -2.9% in dollars. According to this information, each person can choose for itself the preferred deposit option. Financial funds can be invest in any of the 3 bank accounts.
Citizens of Russia can invest funds, both in domestic and foreign currency, based on their own preferences. American dollars or pounds sterling, euro, yen.
Bank interest depends on the initial contribution and deposit account. Programs for replenishment in dollars and euros are performed for all deposit accounts.
For more detailed analysis, it is necessary to investigate deposit accounts:
"Multicurrency contribution";
"Happy year";
"Keep";
"Pour".
The most favorable deposit program in the domestic currency is offered: "Happy percentage" and "Savings Certificate". These programs suggest high rates for each depositor.
3.1. The introduction of a new type of deposit for wealthy customers.
, Implementation of innovation is always associated with the needs of the market. The Bank's specialists determine which types of new banking products, or services should provide the desired market share, which products require upgrades in order to ensure the balance of short-term and long-term programs. The bank must not only clearly respond to new trends, but also to influence the clientele for a rapid response to its novation. Assessing the work of Cherepovets branch No. 1950 OJSC Sberbank of Russia, I noticed its strengths and weaknesses. The branch ranks high in the market of attracted funds from the population, the success of the Bank is directly related to sustainable development Countries and society. The bank's brand is recognizable, the depositors trust the bank, which is 170 years in the banking services market. In order to more accurately determine the weaknesses of the bank, a population survey was conducted. I interviewed 100 people, out of 100 I chose three questionnaires on deposits that I supplemented in applications. A survey was also conducted for the period from 19 to 24 December 2012 (Table 3.1).
| Question | Answers | Share,% |
| Where do you keep free money? | On the Deposit in the Bank | 28,1 |
| I put in real estate | 6,7 | |
| I buy promotions, bonds | 3,6 | |
| I put in gold | 9,9 | |
| Everything goes to life | 51,7 | |
| What of the Sberbank listed should be done first? | Install more ATMs in my city / village | 19,5 |
| Open more offices in my city / village | 3,2 | |
| Get rid of queue | 41,0 | |
| Extend opening hours | 12,3 | |
| Improve service | 12,8 | |
| Expand the number of services offered | 8,2 | |
| Repair offices | 3,0 | |
| Why do you discover the contribution to Sberbank? | A small percentage of deposit | 52,5 |
| Already open | 19,5 | |
| Serviced in another bank | 4,9 | |
| No funds for opening a deposit | 16,7 | |
| Not necessary | 6,4 | |
| What does not suit you most in Sberbank offices? | Work staff | 11,2 |
| Lack of information about the products and services of the bank in the affordable and understandable sphere | 8,0 | |
| Queues | 71,8 | |
| Working hours | 9,0 |
According to the survey, it can be seen that from all the respondents 28.1% keep money on the deposit; 20.2% invest in stock, real estate and gold; 52.9% do not open an account in Sberbank due to low percent on deposits; 4.9% of the contribution is open in another bank; 41% believe that Sberbank first need to get rid of queues; 71.8% does not suit the most in Sberbank offices.
From the above, I conclude that Sberbank needs to improve deposits of individuals and reduce customer service time.
O. Information bank deposits individuals are presented in Table 3.2.
Table3.2. Information about bank deposits and other attracted means of individuals in rubles, foreign currency and precious metals.
Based on Table. 3.2. As of 01/01/13, 18667 million rubles were in the Vologda Region in the Vologda Region. The share of Cherepovetsky branch No. 1950 was 83.53%. According to the results of a survey, 20.2% of respondents invest in stocks, real estate and gold, it means that they have means that would like to be attached to, but interest rate According to deposit accounts, they do not attract them. Therefore, I define what the proportion of depositors in all the depositors operate in the bank of deposits occupies a high level of income, i.e. above 500 thousand rubles.
Deposits offered by the Bank for high-yielding clients in the Cherepovetsky branch of Sberbank of Russia OJSC are presented in Table3.3.
Table3.3. Deposits for high-yield customers.
| Bank | Type of deposit | Deposit amount (rub.) | Deposit term | % |
| Bank " Russian capital» | "VIP Contribution" | 650 000 | 3, 6 months, 1 and 2 years | 8,8 – 10,7 |
| "PrivatBank" | "VIP deposit" | 6 and 12 months | 8 – 9 | |
| Rosbank | Rosbank - Societe Generale | 6 months | 4,15 | |
| "Otbank" | "Special relationship" | 366 days | ||
| ROSEVROBANK | "VIP plus" | 367 days | ||
| "GE MONEY BANK" | "Right" | 3,6,9 months, 1.2 and 3 years | 6,45 – 8,45 | |
| "Slavia Bank" | "Profitable" | 180 days, 368 days | 7 – 10 | |
| Rosselkhozbank | "Agro - VIP" | 180 days, 1 year, 540 days | 6 – 7,25 | |
| VTB 24 | "Priority" | 181,365 days | 8 – 8,5 |
Since the refinancing rate of the Bank of Russia from 14.09.2012 is 8.25%, plus additional five percentage points, none of the proposed deposit deposits in the Vologda region does not exceed the maximum percentage. The market situation is such that large deposits are growing in the fastest pace, starting from 1 million rubles. - These are segments of high-yield customers. Sberbank in these segments is historically the lowest share of the market. A structural shift occurs in order to increase its share in this market segment, it is necessary to move quickly. It is proved that in Cherepovets branch No. 1950, the share of VCs has a dynamics for an increase. The banking services market is diverse, to attract additional VCs it is proposed to introduce a new deposit "Maximum".: The deposit period is 1 year; Deposit currency - Rubles of the Russian Federation; The minimum amount is 1,000,000 rubles of the Russian Federation; the procedure for accrualing interest - at the end of the deposit period; conditions of early termination - not provided; Replenishment and partial removal - not provided.
it exclusive offer, Therefore, this contribution is not subject to wide advertising and should be sold using individual calls to customers. Most banks experience a number of problems and lose significant resources at the stage of relationships with real and potential customers. This problem is manifested in the complex of aspects, such as the low quality of the provision of services to customers, the lack of information from potential and actual customers on the bank services. Sometimes the Bank's employees when working with the client do not have clear installations for the priority of employees of one units on other services.
As a rule, there are no unified standards for providing services to customers. The proposed view of the contribution is focused mostly on wealthy customers, since the position of wealthy customers with legal capital is growing. By various estimatesToday, it is covered from 5% to 15% of wealthy customers. And after two years, this figure will twice. Therefore, the bank begins to fight for wealthy customers, trying to offer as much interesting conditions as possible to invest in their cash. For wealthy customers, it is important that the investment of money is beneficial (has brought a permanent income), reliably (the risk was minimal), it was possible to remove from investment on the earliest need. In my case, the type of income proceedings are simple percentages when the actual deposit residue is used as a calculation and, based on the percentage provided, the deposit is calculated and paid.
Simple interest are calculated as follows:
P \u003d p x i x n / 100 k (1)
Where n is the amount of accrued interest;
P is the initial amount of funds raised;
I - annual interest rate;
N - deposit period;
K - number of days in the calendar year (365 or 366).
Thus, by the state of the Sberbank Premier service, all 100% VK is interested in the proposed product and are ready for its use. Therefore, it can be argued that the proposed event will increase the number of deposits for 517 accounts.
Thus, the amount of attracting deposits per year will be:
The amount of attraction \u003d number of accounts x deposit size
517 x 1,000 million rubles. \u003d 517 000 thousand rubles.
It is only one VSP, and as part of the Cherepovetsky branch No. 1950 on the region today, their number is 104.
Based on forecast data on the dynamics of the contribution of the Cherepovets Department No. 1950, I defined the volume of deposits planned for the opening for individuals for the period 2011 and 2013. (Appendix 11).
Assessment of these parameters is manufactured for two options: excluding new types of deposit; Taking into account the proposed events. Thus, the introduction of a new type of deposit will allow Sberbank to increase the amount of funds raised by 617 000 thousand rubles. in 2013.
To assess the effectiveness of the proposed event, it is necessary to calculate its influence on the financial result of the Bank's activities. Next, I calculated the alleged economical effect From the introduction of a new event.
The amount of attraction \u003d number of accounts x deposit size
617 x 1,000 thousand rubles. \u003d 617 000 thousand rubles.
The amount of expenses \u003d the amount of attraction x interest rate
617 000 thousand rubles. x 10% \u003d 61 700 thousand rubles.
Reserve standards, installed by the Bank Russia for credit organizations on obligations to individuals in the currency of the Russian Federation and foreign currency is 4.25%.
Clean amount of attraction \u003d attraction amount - 4.25%
617 000 - 61 700 \u003d 555,300 thousand rubles.
Existing loan programs are presented in Table 3.4.
Table3.4. Credit programs Cherepovetsky OJSC Sberbank of Russia.
Based on Table data3.4., I counted the average interest rate on credit programs. The average interest rate is 15.18%. We find income for a clean amount of attraction:
Income \u003d Clean amount of attraction X Average interest rate on placed resources \u003d 555,300 x 15.18% \u003d 84,294 thousand rubles.
Consumption from attraction \u003d 61,700 thousand rubles.
The projected value of the profit per year \u003d Income - Consumption - 84 294 - 61 700 \u003d 22,594 thousand rubles.
The proposed product will not only increase the balance of deposits in the accounts of individuals, but also raise the Sberbank rating in the eyes of its customers. The price component of the deposit policy is one of the most important prerequisites that ensure its successful activity in the market conditions.
3.2 Changing the deposit conditions in order to attract new depositors.
In order to expand the resource potential, Sberbank of Russia, it is necessary to intensify its deposit policy, since it is the conduct of competent deposit policy that will ensure the gradual increase in the deposit portfolio. So, for the greatest interest of customers and the influx of deposits, Sberbank may offer interest on placed contributions ahead with the purpose of compensating inflationary losses. In this case, the depositor when placing funds for a certain period immediately receives income due to him. However, if the contract is terminated early, the bank recalculates interest on the contribution and excessively paid amounts will be held from the deposit amount.
I believe that the payment method is more expedient to use everything for deposits with a baseline not more than 1 year, since with a longer storage of funds, the Bank will have to pay large amounts of interest, which will significantly increase interest expenses at the moment time and can be risky. The payment of interest can be installed on the contribution of "preserve", which is the proposal of Sberbank. This contribution is designed specifically for regular customers and allows you to fix high bid For the entire deposit validity period, this type of deposit is presented in table3.5.
Table3.5. Tariff rates on the "Save" deposit.
Thus, in accordance with the data Table 3.5, 2 options for investment of funds are offered for this contribution. The first option is replenished (replenishment possible throughout the entire storage period of the deposit, with the exception of the last two months) and opens with a period of 6 months to 3 years. The second is urgent contribution And offers accommodation of funds from 1 year to 3 years. At the same time, the analysis conducted by me in Cherepovets Sberbank of Russia showed that the funds in this type of contribution are attracted in minor scales. So, in the 47th quarter of 2012, the volume of deposits "Keep" amounted to only 28 pieces. In October, 18 were implemented in October, in November - 8, and in December 11 pieces. Thus, the percentage payment mode during the opening of the contribution to compensate for inflation losses, in which the depositor when placing funds for a certain period immediately receives income due to it, will allow Sberbank to make a contribution to the most attractive to customers and significantly expand the volume of attracted funds. This contribution will continue to be the bank's branded proposal. However, it will become urgent, and the possibility of replenishment will be absent. Funds in the contribution can be made for a period from 3 months to 1 year. In connection with the new proposal for the contribution of "Save" from 10/02/12 to 30.11.12, all clients who applied to the Cherepovetsk branch of Sberbank for consultation was conducted. In total, the specified period was 500 appeals. Clients were offered to familiarize themselves with the new contribution conditions. As a result, 256 people responded that they would think about the opening of the contribution, and 244 respondents consider new conditions rather attractive and ready to discover the contribution. The amounts and timelines for which customers, in accordance with the survey, are ready to contribute the contribution of the funds are presented in Table 3.6.
Table3.6. The results of a survey of customers who want to make funds into the contribution "Keep" in accordance with the new conditions.
Thus, the survey has shown that the change in the conditions for the "Save" deposit will significantly increase the amount of deposit data and, in the case of the proposed event, the number of bank depositors will increase. From the polling data presented in the table, it can be seen that most potential depositors would prefer to contribute to the average amount - 50,000 rubles. This is due, first of all, with the fact that the payment of interest on the contribution of ahead is the new contribution condition for many customers is not yet familiar. Thus, this contribution was attracted by another 10.6 million rubles. This amount of the bank is more expedient to accommodate in loans to the population. At the same time, the timing of the issuance of loans should be commensurate with the terms of attracting deposits. In this case, the Bank will be able to get percentage margin or interest income without a threat to liquidity. It will also allow Sberbank a long-term and stable passive base. I also conducted a survey on the other types of deposit with customers, from 100 questionnaires I only attached 3. The questionnaire results I attached to the app. From the polling of customers, only three types of deposits were chosen: the contribution of "Save", the contribution of the "Control", the contribution "replenish". Since it is possible not only to invest but also to shoot and at the same time have a monthly income. From this we can conclude that the greater the deposit amount, the higher the interest rate and higher income for the client and the bank.
3.3. Evaluation of the effectiveness of the proposed events.
The results of the deposit policy held at Sberbank of Russia, in the first place, indicates the volume of deposits and deposits attracted by a credit institution. So, the Cherepovets branch №1950 OJSC Sberbank of Russia as a result of the introduction of the new contribution "maximum" and changes in the branded contribution "Keep" the volume of attracted funds will increase significantly. This is evidenced by the increase in the number of deposits of individuals, presented in Table. 3.7.
Table 3.7. Dynamics of deposits of individuals of OJSC Sberbank of Russia in the predicted period.
The data presented by me allow us to say that as a result of the implementation of the proposed measures to improve the Deposit Policy, the number of contributions involved in the Cherepovets Department from individuals will increase by 647.6 million rubles. and in the predicted period, their volume will amount to 14 billion 882 million rubles. When the contribution of the "Maximum" contribution, allowing to provide to depositors the necessary material base for the future, the number of new customers will be 617 people. And the payment of interest on the contribution of "Keep" forward to avoid losses, and the change in the conditions on this deposit will also potentially increase the number of depositors for 244 people. As a result, these activities will allow OJSC Sberbank of Russia to attract another 861 person to their depositors. Attracting new contributions will allow the Bank to send data to the active operations, the main type of which are loans. At the same time, the timing of issuing loans must be comparable to the storage periods of deposits. As a result of this placement of funds, the number of loans issued, and, accordingly, the amount of interest paid by customers for the funds provided for temporary use (Table 3.8) will increase.
Table 3.8. The dynamics of the net loan debt of OJSC Sberbank of Russia in the predicted period.
From the table it can be seen that the placement of funds raised from depositors in consumer loans Return Bank loan debt by 584.7 million rubles. (or 2.7%) and its forecast value will be 20 billion 941 million rubles.
Thus, from the above indicators of growth in the volume of deposits of individuals and loans provided to customers, I can conclude that the measures will have an impact on financial results Sberbank of Russia. Sberbank's interest income after the proposed events will increase by 89.6 million RUB. The importance of interest expenses will increase, which will increase 63.38 million rubles. Change, respectively, the share of expenses. In connection with the growth of interest income and expenses, the amount of net interest income by 8.1 million rubles will change. and their share in the Bank's revenue structure. The increase in administrative and management costs is slightly 12 thousand rubles. Part of the funds raised, the credit institution must contribute to the reserve, in accordance with the provision of the Central Bank of the Russian Federation No. 342 - P. Currently, the amount of deductions is 4.25%. Thus, as a result of attracting funds to new deposits, the Bank will contribute to the reserves of 25.8 million rubles.
All the above changes, in connection with the implementation of measures to improve the deposit policy, will ultimately affect the amount of the profit of the Cherepovetsky branch of Sberbank.
Table 3.9. The dynamics of profit growth before tax in the predicted period.
From this Table 3.9. It can be seen that the calculation of the effectiveness of the proposed activities on the deposit policy showed that the appearance of a new contribution "maximum" and the change in the conditions for the branded contribution "Keep" will benefit on the results financial activities This credit institution, since it will allow additional profits and increase the indicator of the bank's economic profitability.
Conclusion.
The formation of passive operations and the increase in resources is guaranteed by the Radom of factors: the sustainability of work, an increase in confidence in the bank, a variety of types of contributions, the expansion of banking services. The bank also offers a wide range of services and products for both individuals and legal entities. Analysis by me financial state And the results of the financial activities of the Cherepovets branch of Sberbank of Russia OJSC showed that the proportion of working assets in net assets is presented at a sufficiently high level (79%), this suggests that the Bank works quite effectively. The share of urgent loan debt of legal entities in working assets for the analyzed period was at the level of 75%, which means that from the total volume of loans issued, 75% accounts for loans to legal entities, which indicates investment Development bank. The share of overdue debt in loan debt is not 1%, i.e. Lenders return their obligations on time. The share of individuals in the total amount of attracted funds is 62.19%, this suggests that the bank trusts its savings quite most of the population. In 2013, the Bank's profits amounted to 364.7 million rubles, which is below the level of 2011 by 95.6 million rubles. or by 20.77%, and above 2012 by 52.7 million rubles. or by 16.90%. In 2013, deposit operations to the Bank amounted to 14,730.4 million rubles, which is higher than 2012 by 91.8 million rubles. or 0.65%, level of 2011 - by 11.3 million rubles. or 0.78%. The proportion of deposits of individuals amounted to 97.3% of the total deposit. Bank expenses on deposits of individuals and individuals in 2013 amounted to 456.9 million, which is above the level of 2012 by 47.6 million rubles. or 11.63%, level of 2011 at 96.9 million. rub. or by 26.92%. In order to optimize deposit policies, it was proposed: deposits, ranging from 1 million rubles. - These are segments of high-yield customers. Sberbank has the lowest share of the market in these segments. The structural shift occurs in order to increase its share in this market segment it is proposed to introduce a new product - the deposit "Maximum" period for 1 year under 10% per annum.
Calculated by me the economic effect of the introduction of this offer allows us to talk about its profitability for the branch. In case of its implementation, it is possible to increase the amount of funds raised the population in the forecast year by 617 million rubles. or 4.21%, and increase profits at 22594 thousand rubles. or 5.95%.
The Bank needs to recycle the list of existing contributions for greater orientation of it to attract new depositors and hold existing ones. So for the greatest interest of customers and the influx of deposits, Sberbank may offer interest on placed deposits ahead with the purpose of compensating inflationary losses. In this case, the depositor when placing funds for a certain period immediately receives income due to him. However, if the contract is terminated early, the Bank recalculates interest on the contribution and excessively paid amounts will be held from the deposit amount. In my opinion, this method of paying interest is best to use for deposits with a baseline not more than 1 year, since with a longer storage of funds, the Bank will have to immediately pay large amounts of interest, which will significantly increase interest expenses at the moment time and can be risky. For example, the payment of interest forward can be installed on the contribution of "preserve", which is the proposal of Sberbank. After the introduction of the proposed events in the Cherepovets branch of Sberbank, the profit may increase by 7.1% in the forecast period.
Bibliography:
1.Federal Law of the Russian Federation of 02.12.1990 No. 395-1 "On Banks and Banking".
2.Federal law of July 10, 2002 No. 86-FZ "On Central Bank Russian Federation (Bank of Russia.
3. Instructions of the Bank of Russia dated January 16, 2004 No. 110-and "On the obligatory bank standards".
4. Putting on the procedure for formation credit organizations reserves for possible losses on loans, on loan and equivalent debt "dated March 26, 2004 No. 254-p.
5.Bank business: textbook for students of universities, students in economic specialties and specialty "Finance and Credit" / [E. F. Zhukov, etc.]; Ed. E. F. Zhukova, N. D. Eriashvili. - 4th ed., Pererab. And add. - M.: Uniti - Dana, 2011. - 687 p.
6.Vasiliev. A. S., Nikulina. I.V. "Features of the Deposit Policy of the Commercial Bank in modern conditions" / A. S. Vasilyeva, I. V. Nikulina // Finance and credit. - 2011. - №40. - P. 43-52.
7.Grachev. I. D., Berestenev. D. A. "Increasing the profitability of the banking portfolio of loans with the help of the Scoring method" / I. D. Grachev, D. A. Berestenev // Finance and credit. - 2011. - №10. - P. 27-30.
8.Efimov. A. M. " Modern methods Estimates of the creditworthiness of individuals. "
9.Litvinenko. A., Gerasimenko. N. "Remote Banking Service".
10.Phov. A.V. "Operating work with deposits of individuals."
11.Phov. A.V. "The main types and characteristics of bank deposits".
Attachment 1
| Name of standard | Designation | Actual value,% | Regulatory value |
| Reliability of the adequacy of own funds (capital) | H 1. | 17,70 | MIN 10% |
| Standard Instant Bank Liquidity | H 2 | 80,60 | MIN 15% |
| Regulatory of current liquidity | H 3. | 103,00 | Min 50% |
| Regulation of long-term liquidity | N 4. | 78,00 | Max 120% |
| Regulatory maximum size risk per borrower or group related borrowers | H 6. | 17,90 | Max 25% |
| The value of the maximum size of large credit risks | H 7. | 80,00 | MAX 800% |
| Regulatory of the maximum amount of loans, bank guarantees and guarantees provided by the Bank to its participants (shareholders) | N 9.1 | Max 50% | |
| Cumulative risk of bank insiders | H 10.1 | 0,90 | Max 3% |
| Standard use of own funds (capital) of the Bank to acquire shares (shares) of other legal entities | H 12. | 0,10 | Max 25% |
Appendix2.
| Name of the article | 01.01.11 | 01/01/12 | 01/01/13 |
| ASSETS | |||
| Working assets | 19953 839 | 19643 099 | 20355 827 |
| 15178 032 | 14768 498 | 15349 655 | |
| Loans to individuals | 4775 807 | 4874 601 | 5006 172 |
| 5185 819 | 4835 379 | 4789 226 | |
| Corschet in the Bank of Russia | 20 966 | 5 895 | |
| Cash | 2155 655 | 2097 505 | 1879 449 |
| 1086 258 | 1077 919 | 1068 151 | |
| Including individuals | 73 222 | 73 124 | 73 815 |
| Property of the Bank | 1252 438 | 1263 084 | 1275 051 |
| Others | 670 502 | 396 556 | 560 680 |
| Total net assets | 25139 658 | 24478 478 | 25145 053 |
| Passive | |||
| Involved funds | 22970 969 | 22463 820 | 23088 627 |
| Funds of legal entities | 3765 726 | 4036 103 | 4032 831 |
| Current, settlement, budget accounts | 3161 397 | 3455 972 | 3629 564 |
| 604 329 | 580 131 | 403 267 | |
| Products of individuals | 14245 117 | 14268 036 | 14356 752 |
| Savings certificates | 29 136 | 31 518 | 13 400 |
| Notes and bank acceptances | 15 100 | ||
| Deposits and other funds raised | 14215 876 | 14236 413 | 14328 252 |
| Loro accounts | 3 166 | 4 648 | |
| Others | 4959 275 | 4156 515 | 4694 396 |
| Reserves of the Bank | 1382 809 | 1374 125 | 1366 170 |
| 1074 683 | 1073 157 | 1064 384 | |
| 308 126 | 300 968 | 301 786 | |
| Own funds | 785 880 | 640 533 | 690 256 |
| Total Passs | 25139 658 | 24478 478 | 25145 053 |
Annex3.
| Name of the article | 2011 G. | 2012 G. | 2013 G. | |
| Revenues | ||||
| Interest income | ||||
| 260 508 | 304 615 | 348 632 | ||
| 180 608 | 210 147 | 239 398 | ||
| 35 511 | 43 253 | 51 270 | ||
| 4 657 | 4 657 | 5 071 | ||
| 39 732 | 46 558 | 52 893 | ||
| Operating income | ||||
| 908 506 | 1128 019 | 1330 882 | ||
| Commission remuneration | 68 664 | 77 883 | 108 887 | |
| Other operating income | 397 848 | 581 526 | 670 871 | |
| Other income | ||||
| Fines, penalties, penalties | 76 357 | 77 846 | 82 362 | |
| 2 351 | 2 432 | 2 532 | ||
| Total income | 78 833 | 80 401 | 85 126 | |
| Total income | ||||
| COSTS | ||||
| Interest expenses | 374 974 | 426 923 | 476 737 | |
| - by cash On bank accounts of clients - legal entities | 3 444 | 4 016 | 4 691 | |
| 10 470 | 12 432 | 13 892 | ||
| 360 013 | 409 324 | 456 913 | ||
| 1 047 | 1 151 | 1 241 | ||
| 3 122 | 5 431 | |||
| TOTAL OT banking operations and other transactions | 375 482 | 430 045 | 482 168 | |
| Operating expenses | ||||
| 912 655 | 1191 359 | 1465 657 | ||
| Commission fees | 1 138 | 1 337 | 1 547 | |
| Other operating expenses | 799 735 | 1203 062 | 1296 988 | |
| Costs associated with the activities of the credit organization, incl. | 496 957 | 570 281 | 657 672 | |
| Labor costs | 264 932 | 303 695 | 340 844 | |
| Taxes and fees in the form of deductions on wages | 72 322 | 62 837 | 92 620 | |
| Depreciation | 42 953 | 49 199 | 55 646 | |
| Organizational and managerial expenses | 116 750 | 154 550 | 168 562 | |
| Total operating expenses | ||||
| other expenses | 4 806 | 5 246 | 5 529 | |
| Total expenses | ||||
| Profit (loss) per period | 460 303 | 311 955 | 364 682 | |
Appendix4.
| Name of articles | Specific weight,% | Specific weight,% | Specific weight,% | |||
| Working assets | 79,37 | 80,25 | 80,95 | |||
| Loans to legal entities and individuals entrepreneurs | 55,44 | 55,43 | 56,36 | |||
| Loans to individuals | 23,93 | 4874 601 | 24,82 | 5006 172 | 24,59 | |
| Non-revenue | 20,63 | 4835 379 | 19,75 | 4789 226 | 19,05 | |
| Corschet in the Bank of Russia | 20 966 | 0,09 | 0,001 | 5 895 | 0,03 | |
| Cash | 2155 655 | 8,57 | 2097 505 | 8,57 | 1879 449 | 7,47 |
| Overdue loans, deposits and other placed funds | 1086 258 | 4,32 | 1077 919 | 4,40 | 1068 151 | 4,25 |
| Including individuals | 73 222 | - | 73 124 | - | 73 815 | - |
| Property of the Bank | 1252 438 | 4,98 | 1263 084 | 5,16 | 1275 051 | 5,07 |
| Others | 670 502 | 2,67 | 396 556 | 1,62 | 560 680 | 2,23 |
| Total net assets |
Annex5.
| Name of articles | The amount as of 01.01.11, thousand rubles. | Specific weight,% | Sales as of 01/01/12, thousand rubles. | Specific weight,% | Sales as of 01/01/13, thousand rubles. | Specific weight,% |
| Involved funds | 91,37 | 91,77 | 91,82 | |||
| Funds of legal entities | 3765 726 | 14,98 | 4036 103 | 16,49 | 4032 831 | 16,04 |
| - current, settlement, budget accounts | 3161 397 | 12,58 | 3455 972 | 14,12 | 3629 564 | 14,43 |
| 604 329 | 2,40 | 580 131 | 2,37 | 403 267 | 1,61 | |
| Products of individuals | 56,66 | 58,29 | 57,09 | |||
| - Savings certificates | 29 136 | 0,12 | 31 518 | 0,13 | 13 400 | 0,05 |
| - notes and bank acceptances | 0,0004 | 0,0004 | 15 100 | 0,06 | ||
| - Deposits and other funds raised | 56,55 | 58,16 | 56,98 | |||
| Loro accounts | 0,003 | 3 166 | 0,01 | 4 648 | 0,02 | |
| Others | 4959 275 | 19,73 | 4156 515 | 16,98 | 4694 396 | 18,67 |
| Reserves of the Bank | 1382 809 | 5,50 | 1374 125 | 5,61 | 1366 170 | 5,43 |
| Reserves for possible losses on loans | 1074 683 | 4,30 | 1073 157 | 4,38 | 1064 384 | 4,23 |
| Reserves for possible losses on other operations | 308 126 | 1,23 | 300 968 | 1,23 | 301 786 | 1,20 |
| Own funds | 785 880 | 3,13 | 640 533 | 2,62 | 690 256 | 2,75 |
| Total liabilities |
Annex6.
| Name of the indicator | For 2011, thousand rubles. | Specific weight,% | For 2012, thousand rubles. | Specific weight,% | For 2013, thousand rubles. | Specific weight,% |
| Revenues | ||||||
| From banking operations and other transactions | ||||||
| Interest income | 1336 717 | 43,81 | 1540 841 | 41,50 | 1729 845 | 40,47 |
| Other revenues from banking operations and other transactions | 260 508 | 8,54 | 304 615 | 8,20 | 348 632 | 8,16 |
| - from the opening and maintenance of bank accounts, settlement and cash service customers | 180 608 | 5,92 | 210 147 | 5,66 | 239 398 | 5,60 |
| - from buying and selling foreign currency in cash and non-cash forms | 35 511 | 1,16 | 43 253 | 1,16 | 51 270 | 1,20 |
| - from issuing bank guarantees and guarantees | 4 657 | 0,15 | 4 657 | 0,13 | 5 071 | 0,12 |
| - from other transactions | 39 732 | 1,31 | 46 558 | 1,25 | 52 893 | 1,24 |
| Total banking operations and other transactions | 1597 225 | 52,35 | 1845 456 | 49, 70 | 2078 477 | 48,63 |
| Operating income | ||||||
| Positive reassessment of funds in currency | 908 506 | 29,78 | 1128 019 | 30,38 | 1330 882 | 31,14 |
| Commission remuneration | 68 664 | 2,25 | 77 883 | 2,10 | 108 887 | 2,55 |
| Other operating income | 397 848 | 13,04 | 581 526 | 15,66 | 670 871 | 15,69 |
| Total from operating income | 1375 018 | 45,07 | 1787 428 | 48,14 | 2110 640 | 49,38 |
| Other income | ||||||
| Fines, penalties, penalties | 76 357 | 2,50 | 77 846 | 2,10 | 82 362 | 1,93 |
| Revenues of past years identified in reporting year | 2 351 | 0,08 | 2 432 | 0,06 | 2 532 | 0,06 |
| Other revenues attributed to other | 0,004 | 0,003 | 0,005 | |||
| Total income | 78 833 | 2,58 | 80 401 | 2,16 | 85 126 | 1,99 |
| Total income | 3051 076 | 3713 285 | 4274 243 |
Appendix7.
| Name of the indicator | For 2011, thousand rubles. | Specific weight,% | For 2012, thousand rubles. | Specific weight,% | For 2013, thousand rubles. | Specific weight,% |
| COSTS | ||||||
| On banking operations and other transactions | ||||||
| Interest expenses | 374 974 | 14,47 | 426 923 | 12,55 | 476 737 | 12,19 |
| - on funds in bank accounts of legal entities | 3 444 | 0,13 | 4 016 | 0,12 | 4 691 | 0,12 |
| - on deposits of legal entities | 10 470 | 0,4 | 12 432 | 0,37 | 13 892 | 0,35 |
| - on deposits of customers - individuals | 360 013 | 13,90 | 409 324 | 12,03 | 456 913 | 11,69 |
| - on issued debt obligations | 1 047 | 0,04 | 1 151 | 0,03 | 1 241 | 0,03 |
| Other banking expenses and other transactions | 0,02 | 3 122 | 0,09 | 5 431 | 0,14 | |
| Total banking operations and other transactions | 375 482 | 14,49 | 430 045 | 12,64 | 482 168 | 12,33 |
| operating expenses | ||||||
| Negative reassessment of funds in currency | 912 655 | 35,23 | 1191 359 | 35,03 | 1465 657 | 37,50 |
| Commission fees | 1 138 | 0,04 | 1 337 | 0,04 | 1 547 | 0,04 |
| Other operating expenses | 799 735 | 30,87 | 1203 062 | 35,37 | 1296 988 | 33,17 |
| Expenses related to the activities of the credit organization, including | 496 957 | 19,18 | 570 281 | 16,77 | 657 672 | 16,82 |
| - labor costs | 264 932 | 10,22 | 303 695 | 8,93 | 340 844 | 8,72 |
| - Taxes and fees in payroll deductions | 72 322 | 2,79 | 62 837 | 1,85 | 92 620 | 2,37 |
| - Depreciation | 42 953 | 1,66 | 49 199 | 1,45 | 55 646 | 1,42 |
| - Organizational and managerial expenses | 116 750 | 4,51 | 154 550 | 4,54 | 168 562 | 4,31 |
| Total operating expenses | 2210 485 | 85,32 | 2966 039 | 87,2 | 3421 864 | 87,53 |
| other expenses | 4 806 | 0,19 | 5 246 | 0,16 | 5 529 | 0,14 |
| Total expenses | 2590 773 | 3401 330 | 3909 561 |
Annex8.
| Deposit name | Short description | Rate in rubles (in% per annum) | Bet in US dollars (in% per annum) | Bet in Euro (in% per annum) |
| Contribution "Save" | For maximum income | 5,15-9,96 | 1,35-4,00 | 1,25-4,50 |
| Contribution "replenish" | To create savings and gaining income | 5,12-9,01 | 1,35-3,75 | 1,25-4,25 |
| Contribution "Manage" | To receive income and use part of the contribution | 4,57-8,07 | 1,30-3,55 | 1,10-4,1 |
| Contribution "Give Life" | For income and participation in a charitable program | Up to 8.24. | - | - |
| Contribution "Multicurrency Sberbank of Russia" | To receive income in the form of interest on deposit and add. Income due to currency rate fluctuations | 0,01-9,50 | 0,01-3,40 | 0,01-3,75 |
| savings account | For free use of savings and receiving monthly income | 0,20-1,15 | 0,2-1,15 | 0,2-1,15 |
Annex9.
Annex10.
Appendix11
| Name | year 2012 | 2013 (forecast) | ||
| Basic option, thousand rubles. | 1 Var., Thousand rubles. | 2 Var., Thousand rubles. | Absolute change, thousand rubles. | |
| Deposits of individuals | 14235 321 | 14662 380 | 15279 380 | |
| Including in terms of timing: - to demand | 145 327 | 149 687 | 149 687 | |
| - up to 30 days | 5 348 | 5 508 | 5 508 | |
| - from 31 to 90 days | 271 438 | 279 581 | 279 581 | |
| - from 91 days to 180 days | 401 407 | 413 449 | 413 449 | |
| - from 181 days to 1 year | 3158 305 | 3253 054 | 3870 054 | |
| - from 1 year to 3 years | 8329 367 | 8579 248 | 8579 248 | |
| - Over 3 years | 1924 129 | 1981 853 | 1981 853 |
Annex12.
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