Sberbank

Despite the fact that Sberbank actively links itself in its presentations and advertisements to the savings banks established in the Russian Empire and the Savings Bank of the USSR, it was only registered by the Central Bank on June 20, 1991. 

The further development of Sberbank can be characterized by the following dates and events:

• 1995 — Sberbank's non-state pension fund was created;
• 1997 — the bank received a BB+ credit rating from international rating agencies Fitch IBCA and Thomson Bank Watch;
• 2000 — Sberbank ranked 388th in the global banking sector;
• 2001 — an additional share issue was conducted, and capital grew by 36%;
• 2002 — Sberbank became the general sponsor of the "Golden Mask" festival and national theater award;
• 2004 — the bank ranked 381st in the Forbes Global 2000;
• 2006 — the company ranked 43rd in the Financial Times list of the world's largest banks by market capitalization;
• 2007 — Herman Gref became Chairman of the Executive Board of Sberbank;
• 2008 — the bank began organizational and technological reforms, setting its goals as reducing queues in branches, improving service quality, developing remote services, and expanding the range of activities;
• 2009 — the bank's rebranding began, along with the implementation of the "Credit Factory" project and the development of a mobile application for entrepreneurs;
• 2010 — waiting time in queues was reduced by 40%, and after issuing 50 million cards, the bank became the largest issuer in Europe;
• 2011 — the first version of the Sberbank Online mobile app appeared and the SberSpasibo bonus program launched;
• 2012 — the first Green Marathon race was organized;
• 2013 — the bank acquired 75% of Yandex.Money;
• 2015 — the Contribution to the Future charity foundation was created;
• 2016 — the DomClick online service began operating;
• 2017 — digitalization of services was launched;
• 2020 — a rebranding was carried out;
• 2020-2023 — new products and services were introduced;
• 2023 — the first branch in Crimea opened.

Today, a controlling stake of Sberbank's ordinary shares — 50% plus 1 share — belongs to the Government of the Russian Federation, represented by the National Wealth Fund of Russia. Another 2.84% of securities are owned by individuals. The remaining more than 45% belongs to legal entities.

As for the bank's management, Herman Gref is currently Chairman of the Board. 

Sberbank provides a full range of services to both individuals and legal entities. Thus, ordinary customers can apply for debit and credit cards, consumer loans, deposits and savings accounts, and more. 

Debit and credit cards

Among debit cards, Sberbank customers today have the following options:

• “SberCard”;
• “Youth SberCard”;
• “SberCard Mir for benefits and pensions”;
• “SberCard Travel”;
• “Children's SberCard”;
• “SberCard for foreigners”;
• “Aeroflot Gold Card”;
• “Aeroflot Premium Card”;
• “Give Life Charity Card”.

Among credit cards, only the Credit SberCard is currently available. 

Consumer loans

The following lending programs are currently available at Sberbank:

• "Credit for any purpose";
• “Sber's Installment Plan”;
• “Education Loan with State Support”;
• “Money Before Payday”;
• “Car Loan”;
• “Refinancing”;
• “Money Before Pension”;
• “Real Estate Secured Loan”;
• “Youth Loan”.

Mortgage

The following mortgage programs are currently available:

• “Secondary Housing”;
• “New Developments”;
• “Family mortgage”;
• “Mortgage with State Support”;
• “Preferential mortgage”;
• “Mortgage with Two Documents”;
• “Commercial Mortgage” and many others.

Deposits and savings accounts

To save their own funds, individuals can open the following savings accounts and deposits:

• “Best %”;
• “Daily %”;
• “SberVklad”;
• “Yuan Deposit”;
• “Dirham Deposit”;
• “Manage+”;
• “Savings Account”;
• “SberKids+”;
• “Gift of Life”;
• “Savings Account”;
• “Social”;
• “Best % Leader”;
• “Premier Savings Account”;
• “Active Age”. 

The advantages of Sberbank include:

1. Reliability. Sberbank is one of the largest and most reliable banks in Russia, making it attractive to clients seeking stability and security for their savings and investments.
2. A wide range of services. The company offers a broad spectrum of financial products and services: loans, mortgages, deposits, bank cards, money transfers, investments, and insurance. 
3. Development. The bank is actively developing its digital services, providing clients with the ability to manage their accounts and services via a mobile app and online banking. This simplifies and speeds up the process of performing financial transactions.
4. Accessibility. Sberbank has a large network of branches and ATMs, ensuring convenience and accessibility of services for clients in any region of Russia.
5. Participation in government programs. The organization participates in the implementation of government programs, such as mortgages using maternity capital, military mortgages, family mortgages, and others.