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• Management report
• Bank Profile
• Bank Profile PDF (52 kb)
• Bank Profile PDF (59 kb)
• Our mission PDF (53 kb)
• Our values PDF (80 kb)
• Bank Awards in 2012 PDF (107 kb)
• The bank’s Primary Brands PDF (112 kb)
• Message
• Message PDF (51 kb)
• Message from CEO and Chairman of the Executive Board PDF (164 kb)
• Message from Chairman of the Supervisory Board PDF (166 kb)
• Management Report
• Management Report PDF (52 kb)
• Management responsibility statement PDF (69 kb)
• Macro Developments and Banking System Trends in Russia PDF (594 kb)
• Corporate and Investment Business PDF (124 kb)
• Corporate lending PDF (122 kb)
• Corporate deposits PDF (186 kb)
• Service channels PDF (170 kb)
• Investment banking business PDF (78 kb)
• Retail Business PDF (124 kb)
• Lending PDF (294 kb)
• Credit quality PDF (82 kb)
• Retail deposits PDF (224 kb)
• Transaction services and fee income PDF (463 kb)
• Securities Portfolio and Capital Markets Funding PDF (102 kb)
• Financial Results of Key Subsidiaries PDF (124 kb)
• Financial Results of Key Subsidiaries PDF (85 kb)
• Sberbank Kazakhstan (SBK) PDF (62 kb)
• Sberbank Ukraine (SBU) PDF (62 kb)
• Sberbank Belarus (SBB) PDF (63 kb)
• Sberbank Europe (SBE) PDF (62 kb)
• DenizBank PDF (62 kb)
• Risk Management PDF (65 kb)
• The Bank's Development
• The Bank's Development PDF (53 kb)
• Development of IT platforms PDF (76 kb)
• General banking IT projects PDF (66 kb)
• Retail business IT platforms PDF (104 kb)
• Corporate business IT platforms PDF (103 kb)
• Branch reformatting PDF (62 kb)
• Centralization of middle and back office functions PDF (62 kb)
• Future Development PDF (65 kb)
• Corporate Governance
• Corporate Governance PDF (132 kb)
• General Shareholders’ Meeting PDF (74 kb)
• Supervisory Board PDF (76 kb)
• Members of the supervisory board elected on June 1, 2012 PDF (99 kb)
• Supervisory Board committees PDF (101 kb)
• Executive Board PDF (84 kb)
• Management committees PDF (63 kb)
• Collegium PDF (82 kb)
• Remuneration of members of the bank’s governing bodies PDF (84 kb)
• Share Capital PDF (102 kb)
• Report on payment of declared and accrued dividends PDF (99 kb)
• Financial Review
• Financial Review PDF (51 kb)
• Dynamics of Sberbank Group’s key figures over the past five years in accordance with IFRS PDF (84 kb)
• Group IFRS Income statement PDF (124 kb)
• General trends PDF (64 kb)
• Interest income PDF (199 kb)
• Interest expense PDF (205 kb)
• Net interest income PDF (179 kb)
• Fee and commission income/expense PDF (91 kb)
• Financial results from operations with securities PDF (90 kb)
• Gains from foreign exchange operations PDF (92 kb)
• Operating expenses PDF (97 kb)
• Structure of Sberbank Group’s Assets under IFRS PDF (124 kb)
• General trends PDF (140 kb)
• Loans and advances to customers PDF (214 kb)
• Securities portfolio PDF (99 kb)
• Structure of Sberbank Group’s Liabilities and Equity under IFRS PDF (124 kb)
• General trends PDF (80 kb)
• Customer deposits PDF (93 kb)
• Debt securities issued PDF (79 kb)
• Equity PDF (92 kb)
• Capital adequacy PDF (90 kb)
• Corporate Social Responsibility Report
• Message from CEO and Chairman of the Executive Board PDF (76 kb)
• CSR and Business: Our Approach
• CSR and Business: Our Approach PDF (53 kb)
• Interview PDF (245 kb)
• The bank's Mission and CSR PDF (76 kb)
• How does the bank address stakeholder interests? PDF (121 kb)
• Contributing to Economic Growth and Business Development
• Contributing to Economic Growth and Business Development PDF (53 kb)
• Small Business Support PDF (213 kb)
• Ensuring availability of financial services PDF (141 kb)
• Other Initiatives PDF (88 kb)
• Contributing to creating legal environment PDF (81 kb)
• Social Dimension of Our Business
• Social Dimension of Our Business PDF (52 kb)
• Improving quality and reducing queues PDF (304 kb)
• Financial literacy PDF (88 kb)
• Socially oriented products PDF (114 kb)
• Safety of banking products and transactions PDF (71 kb)
• Sponsorship and Charity PDF (102 kb)
• Own Environmental Impact PDF (106 kb)
• Investing in Human Capital
• Investing in Human Capital PDF (43 kb)
• Personnel Training PDF (242 kb)
• Motivation and Compensation of Employees PDF (83 kb)
• Corporate Benefits PDF (73 kb)
• Work Places for The Disabled People PDF (84 kb)
• How We Manage Business
• How We Manage Business PDF (52 kb)
• Shareholder and Investor Cooperation PDF (95 kb)
• Interview PDF (202 kb)
• Compliance PDF (67 kb)
• Development of procurement system PDF (132 kb)
• About the CSR Report
• About the CSR Report PDF (52 kb)
• Contents of the Report PDF (65 kb)
• Report Boundary PDF (65 kb)
• International Standards’ Application PDF (120 kb)
• Supplements PDF (52 kb)
• Actual Headcount of the Bank PDF (79 kb)
• Bank staff by Gender PDF (82 kb)
• Bank staff by Age PDF (84 kb)
• Bank staff by EducatIon PDF (83 kb)
• Bank staff by Type of Employment PDF (84 kb)
• Average staffing number PDF (81 kb)
• Governing Bodies PDF (86 kb)
• Injury Rate PDF (80 kb)
• Employee Turnover PDF (81 kb)
• Actual Headcount of the Bank PDF (79 kb)
• Bank staff by Gender PDF (82 kb)
• Bank staff by Age PDF (84 kb)
• Bank staff by EducatIon PDF (83 kb)
• Bank staff by Type of Employment PDF (84 kb)
• Average staffing number PDF (81 kb)
• Governing Bodies PDF (86 kb)
• Injury Rate PDF (80 kb)
• Employee Turnover PDF (81 kb)
• Supplements
• CSR and Business
• CSR and Business PDF (53 kb)
• Interview PDF (245 kb)
• The bank's Mission and CSR PDF (76 kb)
• How does the bank address stakeholder interests? PDF (121 kb)
• Contributing to Economic Growth
• Contributing to Economic Growth PDF (53 kb)
• Small Business Support PDF (213 kb)
• Ensuring availability of financial services PDF (141 kb)
• Other Initiatives PDF (88 kb)
• Contributing to creating legal environment PDF (81 kb)
• Social Dimension
• Social Dimension PDF (52 kb)
• Improving quality and reducing queues PDF (304 kb)
• Financial literacy PDF (88 kb)
• Socially oriented products PDF (114 kb)
• Safety of banking products and transactions PDF (71 kb)
• Sponsorship and Charity PDF (102 kb)
• Own Environmental Impact PDF (106 kb)
• Investing in Human Capital
• Investing in Human Capital PDF (43 kb)
• Personnel Training PDF (242 kb)
• Motivation and Compensation of Employees PDF (83 kb)
• Corporate Benefits PDF (73 kb)
• Work Places for The Disabled People PDF (84 kb)
• How We Manage Business
• How We Manage Business PDF (52 kb)
• Shareholder and Investor Cooperation PDF (95 kb)
• Interview PDF (202 kb)
• Compliance PDF (67 kb)
• Development of procurement system PDF (132 kb)
• About the CSR Report
• About the CSR Report PDF (52 kb)
• Contents of the Report PDF (65 kb)
• Report Boundary PDF (65 kb)
• International Standards’ Application PDF (120 kb)
• Supplements PDF (52 kb)
• Actual Headcount of the Bank PDF (79 kb)
• Bank staff by Gender PDF (82 kb)
• Bank staff by Age PDF (84 kb)
• Bank staff by EducatIon PDF (83 kb)
• Bank staff by Type of Employment PDF (84 kb)
• Average staffing number PDF (81 kb)
• Governing Bodies PDF (86 kb)
• Injury Rate PDF (80 kb)
• Employee Turnover PDF (81 kb)
• Actual Headcount of the Bank PDF (79 kb)
• Bank staff by Gender PDF (82 kb)
• Bank staff by Age PDF (84 kb)
• Bank staff by EducatIon PDF (83 kb)
• Bank staff by Type of Employment PDF (84 kb)
• Average staffing number PDF (81 kb)
• Governing Bodies PDF (86 kb)
• Injury Rate PDF (80 kb)
• Employee Turnover PDF (81 kb)
• Financial report
• Independent auditors’ report PDF (100 kb)
• Consolidated Financial Statement
• Consolidated Financial Statement PDF (76 kb)
• Independent auditors’ report PDF (100 kb)
• Consolidated Statement of Financial Position PDF (100 kb)
• Consolidated Income Statement PDF (100 kb)
• Consolidated Statement of Comprehensive Income PDF (80 kb)
• Consolidated Statement of Changes in Equity PDF (88 kb)
• Consolidated Statement of Cash Flows PDF (84 kb)
• Notes to consolidated financial statements PDF (76 kb)
• 1. Introduction PDF (71 kb)
• 2. Operating Environment of the Group PDF (72 kb)
• 3. Basis of Preparation and Significant Accounting Policies PDF (156 kb)
• 4. Critical Accounting Estimates and Judgements in Applying Accounting Policies PDF (101 kb)
• 5. Adoption of New or Revised Standards and Interpretations PDF (66 kb)
• 6. New Accounting Pronouncements PDF (94 kb)
• 7. Cash and Cash Equivalents PDF (85 kb)
• 8. Trading securities PDF (85 kb)
• 9. Securities Designated at Fair Value through Profit or Loss PDF (86 kb)
• 10. Loans and Advances to Customers PDF (133 kb)
• 11. Securities Pledged under Repurchase Agreements PDF (86 kb)
• 12. Investment Securities Available for Sale PDF (86 kb)
• 13. Investment Securities Held to Maturity PDF (84 kb)
• 14. Premises and Equipment PDF (86 kb)
• 15. Other Assets PDF (89 kb)
• 16. Due to Banks PDF (74 kb)
• 17. Due to Individuals and Corporate Customers PDF (83 kb)
• 18. Debt Securities in Issue PDF (84 kb)
• 19. Other Borrowed Funds PDF (79 kb)
• 20. Other Liabilities PDF (81 kb)
• 21. Subordinated Debt PDF (78 kb)
• 22. Share Capital and Treasury Shares PDF (85 kb)
• 23. Interest Income and Expense PDF (78 kb)
• 24. Fee and Commission Income and Expense PDF (75 kb)
• 25. Net Gains Arising from Trading in Foreign Currencies, Operations with Foreign Currency Derivatives and Foreign Exchange Translation Gains PDF (73 kb)
• 26. Net income/(expenses) of non-core business activities PDF (74 kb)
• 27. Operating Expenses PDF (75 kb)
• 28. Income Taxes PDF (93 kb)
• 29. Earnings per Share PDF (75 kb)
• 30. Dividends PDF (76 kb)
• 31. Segment Analysis PDF (116 kb)
• 32. Financial Risk Management PDF (188 kb)
• 33. Contingencies and Commitments PDF (96 kb)
• 34. Derivative Financial Instruments PDF (91 kb)
• 35. Fair Value of Financial Instruments PDF (148 kb)
• 36. Transferred financial assets and assets held or pledged as collateral PDF (92 kb)
• 37. Related Party Transactions PDF (87 kb)
• 38. Operations with State-Controlled Entities and Government Bodies PDF (92 kb)
• 39. Principal Subsidiaries PDF (105 kb)
• 40. Capital Adequacy Ratio PDF (79 kb)
• 41. Subsequent Events PDF (66 kb)
• Other files
• Annual Report PDF (2708 kb)
• Social Report PDF (3485 kb)
• Financial Report PDF PDF (1413 kb)