The history of the largest bank in the country - Sberbank - has about 170 years. Leader banking system Russia was the successor whose foundation history goes back to 1841. The stable operation of a financial institution is guaranteed by the state itself, since it is he who owns a controlling stake in the person of Central Bank RF.
Wide scope of activities
Sberbank of Russia is the only financial institution of its kind that offers its services throughout the country. Bank branches are located not only in almost every city of the state, but also successfully operate in the CIS countries, Germany and Switzerland, China, Turkey and India. Range of offered financial services very wide, which allows us to classify the institution as a universal one. The partnership provides traditional deposits and a variety of loans, bank cards and Money transfers, insurance and even brokerage services. Back in 2013, about 43.3% of all household deposits fell to the share of a financial enterprise. As for the volume of the state loan portfolio, it accounted for 32.7% and 32.1% (loans to individuals and legal entities). Citizens of the country are willing to cooperate with the enterprise and do not even think about the question of whether Sberbank is a Russian bank.
Innovations in a financial institution
Sberbank has always tried to keep up with the times, improving the quality of customer service and trying to offer them innovative products. The financial institution has done a good job of giving its customers the ability to manage their accounts remotely. Thanks to remote channels such as online banking "Sberbank Online" and SMS service " Mobile bank, allocate their funds and control financial flows became much easier. Sberbank is the owner largest network ATMs and terminals throughout the country. The active participation of the institution in various social programs that stimulate the development of national science and culture. For most, it simply does not matter who owns Sberbank of Russia, as its management and owners are doing an excellent job with all tasks.
Monopoly or the result of natural efforts?
Sberbank belongs to the category of commercial financial institutions and at the same time is. In accordance with the latest research, the institution deservedly has the status of the most popular and reliable financial institution RF. According to statistics, every second investor in the country is a client of the institution. The situation is similar with loans. More than 30% of loans in the state are issued through the Security Council of the Russian Federation. It is incorrect to say that the bank acts as a monopolist. The history of development financial organization in the coming decades will reach the mark of 200 years. Equity Institute is about 1.6 trillion rubles. Considering the question of who owns Sberbank of Russia, we can say that it does not have a single owner, moreover, to acquire part of the shares of a large financial structure almost anyone can do it.
Who is the owner of the bank?
The main owner of the financial institution is actually the domestic government. Its share within the authorized capital of the bank is 50%, but plus one voting share. If we evaluate the percentage of ownership in voting shares, then it will be equal to 52.32%. Less than half of the shares are owned by 270 thousand different ones. One tenth of the shares is owned by individuals. A quarter of the shares of the financial institution is owned by foreign investors. It is very problematic to say unequivocally who the owner of Sberbank of Russia is, since the institute's shares have been systematically bought and sold on the MICEX and RTS exchanges since 1996. In the first quarter of 2007, the bank's management decided to additional issue auction papers, which made it possible to increase the authorized capital of the enterprise by 12%. AT money equivalent this figure corresponds to 230 billion rubles. It can be noted that about 40% of all transactions within the MICEX are directly related to the shares of the country's largest financial institution.
Why is it problematic to answer the question of who is the owner of Sberbank?
Due to the fact that less than half of Sberbank's shares are in free circulation, it is very problematic to reliably name its owners. This information can be provided by employees of a financial institution, and even then only if the person interested in this information intends to purchase shares of the organization. The list of those who own Sberbank of Russia is also systematically changing for the reason that the purchase of shares of the latter, in most situations, is carried out for the purpose of earning. This leads to a constant change of owners. Today, the strategic and operational management of the institute is carried out simultaneously by three authorities: the Meeting of Shareholders, the Supervisory Board and the Bank's Management Board. The post belongs to German Gref.
What does federal law say?
As of November 1, 2014, the Central Bank of the Russian Federation owns 52.32% of the voting shares of Sberbank. If we consider in detail the question of who owns the Central Bank of Russia, we can note the “guardianship” of the state over Sberbank. About 47.68% of shares are in public circulation today. In accordance with Federal Law No. 86, the reduction or alienation of the Central Bank of the Russian Federation in the authorized capital of Sberbank, which will lead to a reduction in the share of shares to a level of less than 50% plus one voting share, can be carried out only on the basis of the federal law itself. It is allowed to reduce the share of the Central Bank of the Russian Federation in the authorized capital, which will not lead to a reduction in the number of shares to a level of less than 50% plus one voting share. This solution can be accepted only after prior agreement with the Government of Russia.
First equity change
Prior to the decision to sell part of the shares of Sberbank of Russia in 2012, the Central Bank of the Russian Federation owned about 60.25%. Only 39.75% of the shares were in public circulation. Despite the change in the percentage of owners of a financial institution, it is problematic to answer accurately and unambiguously the question of who owns Sberbank of Russia. It can be said that important decisions were and are being made by the state represented by the Central Bank. The rest of the shares is not aimed at the division of ownership, it serves to increase the profitability of the financial institution.
How to buy Sberbank shares?
The shareholders of Sberbank of Russia, as mentioned above, have been buying a stake in the ownership of the country's largest financial institution since 2006 on domestic stock exchanges MICEX and RTS. Today traded on the Moscow Exchange and the London Stock Exchange trading platform. You can become a shareholder by contacting any bank branch located in the region of residence. Registration of ownership is carried out in the presence of a document confirming the identity of a citizen of Russia. When buying shares on the stock exchange, you should know that their value can change dramatically not only within a few days, but repeated changes in price can be fixed within a day. Considering the question of who owns the shares of the Savings Bank of Russia, we can talk about a large number of people, the list of which is constantly changing. People don't view stocks as ownership of the nation's largest financial institution, but more as a trading instrument that sells and buys for a steady income.
Authorized capital Sberbank, is 1 billion rubles and is divided into 19 million. ordinary shares par value of 50 rubles and 50 million preferred shares with par value of 1 ruble. According to the charter of the bank minimum size dividends on preferred shares is 15% of their face value, i.e. 15 kop. per share.
Foreign investors can purchase Sberbank shares only with the permission of the Central Bank. However, these limitations are easily circumvented by using subsidiaries non-residents registered in Russia. However, restrictions on the acquisition of Sberbank shares by non-residents significantly reduce their liquidity. It is expected that restrictions on the ownership of the bank's shares by non-residents will be lifted soon. Perhaps, after the liberalization of the circulation regime for Sberbank shares, an ADR program will be launched, which will also help increase liquidity valuable papers jar. Currently foreign investors owns about 15% of the shares of Sberbank.
The largest shareholder of Sberbank is the Bank of Russia, whose share in the authorized capital is 60.57%. In the foreseeable future, the reduction or withdrawal of the Central Bank from the capital of Sberbank is not expected. As of October 1, 2003, the number of the bank's shareholders reached 203,728.
Organizational structure of Sberbank of Russia
Sberbank of Russia is a legal entity and with its branches (territorial banks and branches) and their internal structural divisions is single system Sberbank of Russia.
The branch network of Sberbank of Russia is located throughout the country. As of January 24, 2001 the network of Sberbank of Russia consisted of 17 territorial banks, 1511 branches, 20250 internal structural divisions.
Branches of Sberbank of Russia are not entitled to 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 structure of Sberbank of Russia is shown in Figure 1.
Public Joint Stock Company "Sberbank of Russia" is a modern banking organization of a universal type, which today is one of the largest Russian commercial banks Russian Federation and CIS countries.
Sberbank network in Russia and the CIS
The bank has a huge number of branches - more than 18,500 divisions, as well as 17 territorial banks, each of which provides its services in all regions of our country. In addition, so-called remote service channels have recently been introduced. Banks' online applications - Mobile Bank and Sberbank Online - have a very wide client base, and this is very convenient - you can use the bank's services at any time and anywhere.
Sberbank abroad
In addition to all of the above, Sberbank of Russia has recently greatly increased its area of presence abroad. If earlier it included only the CIS countries, now the number of countries included in it has increased significantly. Representative offices of PJSC Sberbank of Russia appeared in Eastern and Central Europe, as well as in Turkey, the acquisition of which was one of the most significant in the entire long history of the bank. In addition to these countries, PJSC Sberbank of Russia has representative offices in countries such as Germany, China and India. On June 20, 1991 PJSC Sberbank of Russia was officially registered with the Central Bank of the Russian Federation.
Savings Bank senior management
Public Joint Stock Company "Sberbank of Russia", in accordance with the law, has the form of a joint stock company. Its main shareholder, as well as the founder, is the Central Bank of the Russian Federation. In addition, the shareholders of Sberbank of Russia PJSC are more than 250 thousand individuals and legal entities. The supreme governing body of Sberbank is general meeting its shareholders. PJSC Sberbank of Russia is a legal entity that, together with all its branches and divisions, forms a single system.
A little history of the bank
On November 12, 1841, the history of Sberbank of Russia PJSC began, when the Russian Emperor Nicholas I signed a decree on the establishment of savings banks in the country in order to profitably store their funds. And this date began to be considered the birthday of Sberbank of Russia PJSC.
On March 1, 1842, Nikolay Christofari, an employee of the Loan Treasury, appeared at the newly opened such cash desk in St. Petersburg and became the very first client of the Sberbank of Russia, which later became the historical successor of the Savings Banks approved by Nicholas I, which initially consisted of only two small institutions in Moscow and St. Petersburg. Over time, they have grown throughout the country into a whole network, and today the capital of Sberbank is one of the largest in the country.
Authorized capital of the Security Council of the Russian Federation
The authorized capital of Sberbank is such economic indicator, which characterizes the reliability of a particular institution. That is, this is the amount financial resources, which was introduced by the founders of this organization during its registration. The Criminal Code is a specific figure that expresses the minimum amount of an organization's property that guarantees the interests of its creditors. What is the authorized capital of Sberbank for 2017? The size this indicator today is just over 68 billion rubles, and the number of shareholders is about 200 thousand, of which the main share of the funds, namely 51%, is owned by the Central Bank, 45% - the capital of Sberbank belongs to those legal entities that are not residents, 1.5% - to legal entities that are residents, and 3% - to private shareholders.
Who owns Sberbank?
This is a very common question.
The history of big bank Russia is already 170 years old. And here the state itself controls the work of such a financial institution as Sberbank of Russia PJSC. This is explained by the fact that it is the state represented by the Central Bank that owns most of the shares of this bank, and the diverse scope of its activities is the only such financial institution that carries out such activities throughout the country, including its most remote territories. Absolutely every citizen of the Russian Federation can use these services, which also distinguishes Sberbank from others banking organizations primarily in terms of accessibility and understandability of services for the population.
Sberbank branches exist not only in every city, and even village, they also operate outside the Russian Federation - in Switzerland, China, India, Turkey, in the CIS countries, and the range of Sberbank services is so huge that it allows you to qualify it activities as universal. These services include a variety of loans, and deposits, and a variety of money transfers, utility bills and much more. Back in 2012, the capital of Sberbank accounted for 43% of all deposits of the country's population, and the state loan portfolio- 32%, due to loans. Every citizen of Russia knows that the financial institution in question is a Russian financial institution, and they willingly enter into cooperation with it.
Keep up with the times
All the innovations that this financial institution develops correspond to the latest achievements of science and technology, which allows us to improve the quality of our customer base and offer them qualitatively new, convenient services. In addition, Sberbank did a great job of making every effort to ensure that its customers have a convenient opportunity to manage their accounts remotely, using such Internet applications as Mobile Banking and Sberbank Online - it is easy to control their accounts and distribute cash. It is Sberbank of Russia PJSC that owns the largest network of terminals and ATMs throughout Russia. it financial enterprise actively participates in numerous social programs that support the development of national culture and science.
Sberbank is not a monopoly
For most clients, it simply does not matter who owns Sberbank, as it does an excellent job of its tasks in the field of financial services to citizens. Recent studies have shown that Sberbank has the status of the most popular and most reliable bank in Russia, while referring to the type commercial organizations and at the same time the most powerful bank in the country. In addition, it was noted that every second depositor in the country is a client of Sberbank. The situation with loans can be described in the same way. More than 30% of all loans in Russia are issued in this financial institution. Therefore, it cannot be said that this financial institution is a monopoly.
The fixed capital of Sberbank is more than 1.5 trillion rubles. And it is very important to note that this organization does not have a single owner, especially since anyone who wishes can purchase a part of its shares at any time. central bank, having the main part of the shares of Sberbank, is its main owner - he owns half of all shares, plus one voting one. The remaining shares belong to 270 thousand completely different legal entities and individuals (the share of individuals is one tenth of these shares). A quarter of the shares of Sberbank of Russia belongs to foreign investors. This is the structure of the share capital of the organization in question.
Thus, it is impossible to clearly determine who owns Sberbank, especially given the fact that the shares of this financial institution have been systematically sold and bought on stock exchanges since 1996. In 2007, the management of the bank decided to issue additional auction papers, which subsequently led to an increase in capital of PJSC Sberbank by as much as 12%, which is 230 billion rubles. It will also be important to note that about 40% of the main operations of the MICEX are directly related to the shares of Sberbank.
And since less than half of the shares of this financial company is in free circulation, it is difficult to name the names of its owners, especially since only employees of the bank itself have such information, and such information can be provided only on certain grounds. The list of owners of Sberbank's capital is constantly changing, which is explained by the constant sale or purchase of the company's shares.
Summing up
Today, the bank is managed by three main authorities - the Meeting of Shareholders, the Board of the Bank and the Supervisory Board, and German Gref is the Chairman of the Board. Every day given financial institution becomes stronger and more successful.
Sberbank is the largest Russian commercial Bank providing a wide range of financial services. It occupies a leading position in the deposit market ( 46% of deposits) and in the credit market ( 38,7% individuals and about 33% legal entities). Often, his clients are interested in who is the owner of Sberbank of Russia and who gets the main income from its activities. According to the organizational and legal form, the bank is a public joint-stock company, therefore, its owners can be different entities.
Major shareholder
The main shareholder of Sberbank - Central Bank of the Russian Federation. The share of the main regulator in the authorized capital of the financial institution is 52,3% . The remaining shares are in public circulation and may be available for purchase by anyone.
Since 2007, the Chairman of the Board of Sberbank is G. Gref. Speaking about who owns Sberbank, his name should not be mentioned in the forefront. Personally, Gref owns approximately 0,003% bank shares, total market value about 2.19 million dollars.
Other shareholders of the bank
The free distribution of part of the bank's shares suggests that the shareholders of Sberbank of Russia, the list of which is given below, are quite diverse. Among them:
- non-resident legal entities - about 45.6% shares;
- resident legal entities - 1.5% shares;
- private investors - 2.9% shares.
The total number of shareholders of the largest commercial bank country as of April 2016 was over 198 thousand, of which about 64% owns preferred shares. Their names are usually not disclosed, but it is known that over the past 2 years (2014-2016) the share of non-residents has increased by 2.33%, and the share of residents has decreased by 1.33%. The share of private investors decreased by about 1%.
Geography of investors
Founders of Sberbank of Russia
The main founder of Sberbank PJSC is its main shareholder - the Bank of Russia. He has a key influence on decision-making regarding the strategic development of the bank. At the same time, the government admits the possibility of reducing the state's share in its authorized capital.
It's interesting that there are no individuals in the list of the largest beneficiaries for a long time. At one time, large stakes from 1 to 6% were owned by E. Baturina, O. Deripaska, S. Karimov and other entrepreneurs. But they gradually lost interest in this business and left the ranks of major shareholders. A similar trend is observed among legal entities. Today, only a minority shareholder (Central Bank) has a share exceeding 5% of the authorized capital, the rest own less than 1% of the shares.
