1 / 14

Sberbank Europe – Building Bridges to Eastern Business

Sberbank Europe – Building Bridges to Eastern Business. Clemens Pramböck 25 October 2013. Sberbank Group – the largest bank of Russia. Sberbank of Russia is the largest bank in Russia that accounts for almost one third of all Russian banking sector assets.

shlomo
Download Presentation

Sberbank Europe – Building Bridges to Eastern Business

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. Sberbank Europe –Building Bridges to Eastern Business Clemens Pramböck 25 October 2013

  2. Sberbank Group – the largest bank of Russia • Sberbank of Russia is the largest bank in Russia that accounts for almost one third of all Russian banking sector assets. • The Central Bank of the Russian Federation is the founder and major shareholder of Sberbank, owning 50 % of the total share capital plus one voting share. Other shares are held by more than 245,000 individual and institutional investors in Russia and internationally. • In February 2012, Sberbank completed the acquisition of Volksbank International AG. • In September 2012, Sberbank completed the acquisition of DenizBank AS which is ranked 6th among private and 9th among all Turkish banks by consolidated total assets. Central & Eastern Europe • Sberbank Europe AG • 100.0% stake.(2,2% of Group’s assets) • Headquartered in Austria; 280 branches in 8 countries: Croatia, Czech Republic, Slovakia, Bosnia-Herzegovina, Hungary, Slovenia, Serbia and Ukraine • Representative offices: • Germany • China • Trading platforms: • London • New York • Branch: • India • Wholly-owned subsidiary: • Sberbank (Switzerland) AG Ukraine • Sberbank of Russia JSC • 100.0% stake • 0.6% of Group’s assets • 1.8% market share by assets Kazakhstan Belarus Turkey • DenizBank AS • 99.85% stake • Headquartered in Turkey • Nearly 600 branches; 2,370 ATMs; 110,324 POS terminals • SB JSC Sberbank • 100.0% stake • 1.0% of Group’s assets • # 6 by assets • 4,6% market share by assets • JSC BPS-Sberbank • 97.9% stake • 0.8% of Group’s assets • # 3 by assets • 9,8% market share by assets

  3. Sberbank of Russia:Ownership Structure & Key Financials Ownership Structure Key Financials (as of 31.12.2012) • Assets, total: EUR 368.4 bn • Equity, total: EUR 39.6 bn • Gross loans to corporates: EUR 200,7 bn • Gross loans to individuals: EUR 69.2 bn • Net income: EUR 8.4bn • ROA:2,7 % • ROE: 24,2 % • Net Interest Margin: 6,1% • Tier I CAR (Basel 1): 10,4% • Total CAR (Basel 1): 13,7% Domestic Retail 4.5% Domestic Institutional 4.1% 33.8% Free float Foreign Institutional 50.00% - 1 ordinary share 50.00% + 1 ordinary share 50.0% + 1 share Central Bank of Russia Central Bank of Russia Free Float 7.58% sold by the CBR (Central Bank of Russia) SOURCE: latest audited IFRS financial statements, as of Dec. 31, 2012. Exchange rate as of Apr. 16, 2013: EUR 1 = RUB 40.9774

  4. Sberbank - one of the largest banks Market capitalization as of April 2013, in USD billion Europe BRIC World (by ROE – 5Y Avg.)1 1 Among top-50 world banks by market capitalization as of April 23, 2013; Average ROE for the past 5 years SOURCE: Bloomberg as of Apr 8, 2013, latest audited IFRS financial statements, except local GAAP for Indian banks and Banco do Brazil

  5. Sberbank’s distribution, scale and market position in Russia Largest Branch Network Among Russian Banks by Fat1 Notable facts as of March-2013 >110 m • Retail clients, out of a total population of ~143 m >78,000 • ATMs and self-service terminals - one of the largest single bank-owned networks globally 82% • Retail transactions executed via remote channels3 >1.0 m • Corporate lent to clients out of 4.3m businesses in Russia Sberbank’s share of Russia’s banking sector ~2 bn • Transactions processed for individual clients annually ~4 m • Visitors to Sberbank’s outlets daily >10 m • Active mobile banking users >6 m • “Sberbank Online” active users • Including branches and other outlets • Includes VTB24, Transcreditbank and Bank of Moscow • Counting only retail transactions that can be executed in person at a branch or remotely Source: Rosstat, Sberbank’s operating statistics and calculations on the basis of statistics from CBR as of 31-Dec-2012. Sberbank operating statistics for the respective periods.

  6. Facts & Figures – Sberbank Russia and Sberbank Europe Sberbank Russia 110 million retail customers 1 million corporate clients USD 586 billion (EUR 368,4 bn) total assets 249.000employees in Russia + 41.000 in subsidiaries Sberbank Europe 490.000 retail customers 62.000 micros and 17.000 corporate clients EUR 9,9 billion total assets 4.500 employees in CEE

  7. Sberbank Europe Group: 9 countries – 280 branches – 4,500 employees Sberbank Czech Republic Sberbank Ukraine SberbankSlovakia SberbankSlovenia Hungary Sberbank Croatia SberbankBosnia-Hercegovina Sberbank Serbia Sberbank Banja Luka

  8. Sberbankin CEE Trade Finance Centers Bratislava, SlovakRepublic Prague, Czech Republic Vienna, Austria Budapest, Hungary Ljubljana, Slovenia Zagreb, Croatia Sarajevo, Bosnia & Herzegovina Belgrade, Serbia Trade Financeisrepresented in all SBEU countries, withdedicatedandexperienced Trade Financestaff.

  9. Sberbankin Russia & CIS countries Trade Finance Centers • European centers in Russia: • Moscow (Head office + Moscow Bank) • St. Petersburg • Bryansk • NizhniyNovgorod • Rostov-Na-Donu • Samara • Stavropol • Voronezh • Yaroslavl • Siberiancenters in Russia: • Yekaterinburg • Irkutsk • Khabarovsk • Krasnoyarsk • Magadan • Novosibirsk • Perm • Tyumen Minsk, Belarus Kiev, Ukraine Nearly every city/small town/village in Russia has a presence of Sberbank and, thus, access to the banking products of Sberbank and to the knowledge of dedicated centers of competence. Istanbul, Turkey Almaty, Kazakhstan

  10. Trade Finance Product Offer Purchase of Receivables Letters of Credit Guarantees Whatisit thatinterestsyoumost? Documentary Collections Supply Chain Finance Accounts & Payment Services in local currency, EUR, USD and RUB ECA-covered transactions Global Markets Product Offer Corporate Product Offer • F/X Hedging • Interest Rate Hedging • Commodity Hedging • Structured Deposits • Securities Trading / Brokerage • Debt Capital Markets • Overdraft facilities • Term Loans • Pre-export finance • Real Estate finance • Acquisition finance • …

  11. Trade FinanceDocumentary Business Buyer (Importer) 1 1 Seller (Exporter) Pre-contractual work 6 Product shipment Application for L/C Documentspresentation 2 7 5 11 10 Payment L/C is advised/ confirmed Payment 14 Paid documents Letter of Credit (МТ 700) 4 3 Issuing L/C Seller's bank (Paying bank) Buyer's bank (Issuing bank) Payment request 9 12 8 Documents check 13 Check of documents Documents

  12. Trade FinanceECA-covered Transactions Foreign Importer AGREEMENT Hungarian exporter 1 Prepayment min 15% 4 Delivery 8 9 7 10 MEHIB Loan (debt invoicing) L/C documents are provided Loan repayment Application for L/C Loan agreement Payment of up to 85% 10 2 11 5 L/C is issued Insurance agreement 3 Buyer's bank Sberbank Hungary Interbank agreement 2 L/C is issued 6 Loan (debt invoicing) 10 Loan repayment 11

  13. Our partners in international trade

  14. Contact Details Csaba Simon Head of Trade Finance T +36 (1) 327 8895 F +36 (1) 328 6576 csaba.simon@volksbank.hu TiborHipszki Senior Manager T +36 (1) 328 6344F +36 (1) 328 6576tibor.hipszki@volksbank.hu

More Related