ANNUAL REPORT FOR 2012
ENG
РУС
FR
CSR
MR
Site map
Management report
Bank Profile
Bank Profile
Our mission
Our values
Bank Awards in 2012
The bank’s Primary Brands
Message
Message from CEO and Chairman
of the Executive Board
Message from Chairman of the Supervisory Board
Management Report
Management responsibility statement
Macro Developments and Banking System Trends in Russia
Corporate and Investment Business
Corporate lending
Corporate deposits
Service channels
Investment banking business
Retail Business
Lending
Credit quality
Retail deposits
Transaction services and fee income
Securities Portfolio and Capital Markets Funding
Financial Results of Key Subsidiaries
Financial Results of Key Subsidiaries
Sberbank Kazakhstan (SBK)
Sberbank Ukraine (SBU)
Sberbank Belarus (SBB)
Sberbank Europe (SBE)
DenizBank
Risk Management
The Bank's Development
Development of IT platforms
General banking IT projects
Retail business IT platforms
Corporate business IT platforms
Branch reformatting
Centralization of middle and back office functions
Future Development
Corporate Governance
General Shareholders’ Meeting
Supervisory Board
Members of the supervisory board elected on June 1, 2012
Supervisory Board committees
Executive Board
Management committees
Collegium
Remuneration of members of the bank’s governing bodies
Share Capital
Report on payment of declared and accrued dividends
Financial Review
Dynamics of Sberbank Group’s key figures over the past five years in accordance with IFRS
Group IFRS Income statement
General trends
Interest income
Interest expense
Net interest income
Fee and commission income/expense
Financial results from operations with securities
Gains from foreign exchange operations
Operating expenses
Structure of Sberbank Group’s Assets under IFRS
General trends
Loans and advances to customers
Securities portfolio
Structure of Sberbank Group’s Liabilities and Equity under IFRS
General trends
Customer deposits
Debt securities issued
Equity
Capital adequacy
Corporate Social Responsibility Report
CSR and Business
Interview
The bank's Mission and CSR
How does the bank address stakeholder interests?
Contributing to Economic Growth
Small Business Support
Ensuring availability of financial services
Other Initiatives
Contributing to creating legal environment
Social Dimension
Improving quality and reducing queues
Financial literacy
Socially oriented products
Safety of banking products and transactions
Sponsorship and Charity
Own Environmental Impact
Investing in Human Capital
Personnel Training
Motivation and Compensation of Employees
Corporate Benefits
Work Places for The Disabled People
How We Manage Business
Shareholder and Investor Cooperation
Interview
Compliance
Development of procurement system
About the CSR Report
Contents of the Report
Report Boundary
International Standards’ Application
Supplements
Actual Headcount of the Bank
Bank staff by Gender
Bank staff by Age
Bank staff by EducatIon
Bank staff by Type of Employment
Average staffing number
Governing Bodies
Injury Rate
Employee Turnover
Actual Headcount of the Bank
Bank staff by Gender
Bank staff by Age
Bank staff by EducatIon
Bank staff by Type of Employment
Average staffing number
Governing Bodies
Injury Rate
Employee Turnover
Message from CEO and Chairman of the Executive Board
CSR and Business: Our Approach
Contributing to Economic Growth and Business Development
Social Dimension of Our Business
Investing in Human Capital
How We Manage Business
About the CSR Report
Supplements
Financial report
Independent auditors’ report
Consolidated Financial Statement
Independent auditors’ report
Consolidated Statement of Financial Position
Consolidated Income Statement
Consolidated Statement of Comprehensive Income
Consolidated Statement of Changes in Equity
Consolidated Statement
of Cash Flows
Notes to consolidated financial statements
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