Sberbank information (materials)
Risk of Loss of Business Reputation
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- 9.Corporate Governance
- Supervisory Board committees
- Management Board
- Management Board committees
- Bank Collegium
- Audit Commission
- Committee for Interaction with Minority Shareholders
Risk of Loss of Business ReputationSeveral groups of indicators of the Bank's financial condition are used to detect and assess factors affecting the risk of loss of business reputation. These include comparison against aggregate indicators for the Russian banking sector, the Bank's compliance with legislative requirements to financial monitoring, changes in business reputation of its affiliates, subsidiaries and related organizations, the Bank's international rating etc. Assessment of factors affecting the risk of loss of Sberbank's business reputation made as of 1 January 2012 warrants a conclusion that the Bank's reputation risk is at an acceptable level. 9.Corporate GovernanceOrganizational structure of the Bank
Headquarters’ units, regional banks, and foreign branches General Shareholders’ Meeting Audit Commission Supervisory Board Supervisory Board committees Management Board, CEO, Chairman of the Management Board Management Board committees Bank Collegium General Shareholders’ Meeting The General Shareholders’ Meeting is the supreme management body of the Bank. The General Shareholders’ Meeting is empowered to adopt resolutions on the main issues pertaining to the Bank’s operations. The list of issues within the competence of the General Shareholders’ Meeting is established by Federal Law No. 208-FZ On Joint Stock Companies dated 26 December 199521 and the Bank’s Charter. On 3 June 2011, the annual General Shareholders’ Meeting was held which approved the annual report of the Bank for 2010, compiled in compliance with the requirements of the Federal Commission for the Securities Market (FCSM) and the annual report of the Bank, compiled in compliance with the requirements of the Bank of Russia. The meeting also adopted resolutions on profit distribution and dividend payment for 2010, approved the auditor for 2011, elected members of the Supervisory Board and the Audit Commission, elected the President, Chairman of the Bank’s Management Board, approved the amended Charter of the Bank, and passed resolutions on payment of remuneration to the members of the Supervisory Board and the Audit Commission.
In compliance with the Charter, the Supervisory Board is in charge of general management of the Bank's operations. The following is within the competence of the Supervisory Board: setting priority areas of the Bank’s activity; establishing the collegiate executive body of the Bank. i.e. the Management Board; convening and holding general shareholders’ meetings; making recommendations on the size of dividends and dividend payment procedure; hearing, on a regular basis, the reports of the CEO, Chairman of the Bank’s Management Board, on the Bank’s financial performance and fulfillment of priority tasks, and other issues. Eight meetings of the Supervisory Board were held in 2011. The following issues were addressed at the meetings: convening and holding the annual General Shareholders’ Meeting; the annual report of the Bank for 2010; profit distribution and recommendations on the size of dividends; the Bank’s auditor for 2011; approval of the revised dividend policy; activities of subsidiary banks and establishment of branches and representative offices in foreign states; progress in Sberbank’s Development Strategy and Program until 2014; integration with Troika Dialog; improving the risk management system; progress in corporate business development projects; small business lending; interim results of the Bank’s operations; audit findings of the Internal Control Department; approval of non arm’s-length transactions, and other issues.
Information on the members of the Supervisory Board as of 1 January 2012: IGNATIEV SERGEI MIKHAILOVICH Chairman of the Supervisory Board, Sberbank of Russia OJSC Mr. Ignatiev was born in 1948. In 1975, he graduated from Lomonosov Moscow State University. PhD in Economics. Associate Professor. Since 2002, Mr. Ignatiev has been Chairman of the Central Bank of the Russian Federation. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. LUNTOVSKY GEORGY IVANOVICH Deputy Chairman of the Supervisory Board, Sberbank of Russia OJSC, Chairman of the HR and Remuneration Committee Mr. Luntovsky was born in 1950. In 1978, he graduated from the All-Union Distance-Learning Institute of Finance and Economics; in 1997, from the Academy of National Economy under the Government of the Russian Federation. PhD in Economics. Since 2005, Mr. Luntovsky has been First Deputy Chairman, Central Bank of Russia. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. ULYUKAEV ALEKSEI VALENTINOVICH Deputy Chairman of the Supervisory Board, Sberbank of Russia OJSC, Chairman of the Strategic Planning Committee Mr. Ulyukaev was born in 1956. In 1979, he graduated from Lomonosov Moscow State University. PhD in Economics. Professor. Since 2004, Mr. Ulyukaev has been First Deputy Chairman, Central Bank of Russia. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. GREF HERMAN OSKAROVICH Member of the Supervisory Board, Sberbank of Russia OJSC, member of the Strategic Planning Committee Mr. Gref was born in 1964. In 1990, he graduated from Omsk State University. PhD in Economics. In 2000, he was appointed Minister for Economic Development and Trade of Russia. Since 2007, Mr. Gref has been CEO and Chairman of the Management Board, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.0031%. Holds 0.003% of the Bank’s ordinary shares. Information about transactions with the Bank’s shares in 2011:
GURIEV SERGEI MARATOVICH Independent member of the Supervisory Board, Sberbank of Russia OJSC, member of the Strategic Planning Committee Mr. Guriev was born in 1971. In 1993, he graduated from the Moscow Physics and Technology Institute. PhD in Physical and Mathematical Sciences. PhD in Economics. Since 2004, Mr. Guriev has been Rector of Non-State Educational Establishment Russian Economic School. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. DMITRIEV MIKHAIL EGONOVICH Independent member of the Supervisory Board, Sberbank of Russia OJSC, member of the Strategic Planning Committee Mr. Dmitriev was born in 1961. In 1983, he graduated from Voznesensky Institute of Finance and Economics in Leningrad. PhD in Economics. Since 2005, he has been President of the Center for Strategic Research Foundation. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011.
Mrs. Zlatkis was born in 1948. In 1970, she graduated from the Moscow Financial Institute. PhD in Economics. Since 2004, Mrs. Zlatkis has been Deputy Chairman of the Management Board, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.0004%. Holds 0.0005% of the Bank’s ordinary shares. No transactions with shares in 2011.
Mrs. Ivanova was born in 1953. In 1975, she graduated from the Moscow Financial Institute. Since 1995, Mrs. Ivanova has been Director of General Economic Department, Central Bank of the Russian Federation. She has no stake in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011.
Mr. Matovnikov was born in 1975. In 1997, he graduated from St. Petersburg State University of Economics and Finance; in 2009, from Harvard Business School (USA). PhD in Economics. Since 2005, he has been CEO of Interfax Center for Economic Analysis. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011.
Mr. Mau was born in 1959. In 1981, he graduated from Plekhanov Russian Academy of Economics; in 1999, from Pierre-Mendès-France University (Grenoble, France). PhD in Economics. Professor. Since 2002, he has been Rector of State Educational Institution Academy of National Economy under the Government of the Russian Federation (since 2010, the Russian Presidential Academy of National Economy and Public Administration). No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011.
Mrs. Popova was born in 1964. In 1986, she graduated from Voznesensky Institute of Finance and Economics in Leningrad. In 2004, she was appointed Director of Corporate Governance Department, Ministry of Economic Development and Trade of the Russian Federation. In 2007, she was appointed State Secretary – Deputy Minister of Economic Development and Trade of the Russian Federation (since 2008, the Ministry of Economic Development of the Russian Federation). Since 2010, Mrs. Popova has been Deputy Chief of Staff of the Government of the Russian Federation. She has no stake in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. PROFUMO ALESSANDRO Member of the Supervisory Board, Sberbank of Russia OJSC, member of the Strategic Planning Committee Mr. Profumo was born in 1957. In 1987, he graduated from Bocconi University (Italy). In 1997 – 2010, he served as CEO of UniCredit Group. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011.
Mr. Savatyugin was born in 1970. In 1992, he graduated from St. Petersburg State University. In 2004, he was appointed Director of Financial Policy Department, Ministry of Finance of the Russian Federation. Since 2010, Mr. Savatyugin has been Deputy Minister of Finance of the Russian Federation. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. SIMONYAN RAIR RAIROVICH Independent member of the Supervisory Board, Sberbank of Russia OJSC, member of the Audit Committee Mr. Simonyan was born in 1947. In 1970, he graduated from the Moscow State Institute of International Relations under the USSR Ministry of Foreign Affairs. In 2005, he was appointed Chairman of Morgan Stanley Bank LLC. Since 2009, Mr. Simonyan has been Chairman of the Board of Directors / Regional Coordinator, Morgan Stanley Bank LLC. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. Sinelnicov-Murylev Sergei Germanovich Independent member of the Supervisory Board, Sberbank of Russia OJSC, member of the Audit Committee, member of the Human Resources and Remuneration Committee Mr. Sinelnicov-Murylev was born in 1960. In 1982, he graduated from Lomonosov Moscow State University. PhD in Economics. Professor. Since 2007, Mr. Sinelnicov-Murylev has been Rector of the Russian Foreign Trade Academy of the Ministry of Economic Development of the Russian Federation. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. TKACHENKO VALERY VIKTOROVICH Member of the Supervisory Board, Sberbank of Russia OJSC, member of the Audit Committee Mr. Tkachenko was born in 1955. In 1981, he graduated from Bauman Moscow Higher Technical School; in 1996, from the All-Union Distance-Learning Institute of Finance. PhD in Economics. Honored Economist of the Russian Federation. Since 2003, Mr. Tkachenko has been Chief Auditor of the Central Bank of the Russian Federation. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011.
Since 2011, Mr. Shvetsov has been Deputy Chairman of the Central Bank of the Russian Federation. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. Supervisory Board committeesCommittees of the Bank’s Supervisory Board are bodies formed for preliminary review of the most critical issues within the competence of the Supervisory Board and preparation of recommendations on such issues. Committees are formed annually from among the members of the Supervisory Board. Independent directors are included in each Committee. Committees facilitate day-to-day communication with the Bank’s management bodies. Resolutions adopted by Committees are of an advisory nature. The Audit Committee is responsible for preliminary evaluation of the Bank’s auditor candidates, review of the auditor’s and the Audit Commission’s reports, evaluation of the Bank’s internal control performance, and preliminary review of the annual financial statements of the Bank. Members of the Committee as of 1 January 2012: Vladimir Mau (Committee Chairman). Committee members: Nadezhda Ivanova, Valery Tkachenko, Rair Simonyan, Sergei Sinelnicov-Murylev. The Human Resources and Remuneration Committee encourages involvement of top professionals in management of the Bank’s operations and incentives required for their successful work. Members of the Committee as of 1 January 2012: Georgy Luntovsky (Committee Chairman). Committee members: Sergei Guriev, Vladimir Mau, Sergei Sinelnicov-Murylev. The Strategic Planning Committee is responsible for preliminary review of issues related to strategic management of the Bank’s operations to improve its performance in the long term. Members of the Committee as of 1 January 2012: Aleksei Ulyukaev (Committee Chairman). Committee members: Herman Gref, Mikhail Dmitriev, Anna Popova, Alessandro Profumo, Alexei Savatyugin, Mikhail Matovnikov. Management BoardThe Bank’s day-to-day operations are managed by the CEO and Chairman of the Bank’s Management Board, and the Management Board of the Bank. The Management Board is a collective executive management body. The Management Board is responsible for preliminary discussion of all issues subject to review by a general shareholders’ meeting and the Supervisory Board of the Bank; the Bank’s risk management policy; review of reports from heads of departments of the Bank’s Headquarters and heads of regional banks on the results of their activity; introduction of the most advanced banking technology into the Bank’s practices; creation of up-to-date banking infrastructure; formation of collective operating bodies; approval of internal documents governing the Bank’s current operations, including those defining the Bank’s policy in various areas; review of issues related to the acquisition of companies and foreign banks, as well as other issues related to the Bank's operations. In 2011, in addition to the issues subject to approval by the General Shareholders’ Meeting, the following issues were reviewed at meetings of the Bank’s Management Board: advisability of entry to the investment banking market and acquisition of the business of Troika Dialog Group; acquisition of a controlling interest in Volksbank International AG; changes to the remuneration system; structural reformatting; participation in charity events; management concept related to subsidiaries and affiliates; depositary receipt program; functional optimization program for supporting divisions; fundraising on international capital markets; integrated risk management based on the Basel Accord principles; approval of non arm’s-length transactions, etc. As of 1 January 2012, the Bank’s Management Board consisted of 13 managers. In 2011, Andrei Golikov and Evgeny Korolev left the Bank’s Management Board. In June 2011, Igor Artamonov was introduced into the Bank’s Management Board. Members of the Bank’s Management Board as of 1 January 2012:
Information on the members of the Management Board as of 1 January 2012 can be found below: GREF HERMAN OSKAROVICH Member of the Supervisory Board, Sberbank of Russia OJSC, member of the Strategic Planning Committee, CEO, Chairman of the Management Board, Sberbank of Russia OJSC Mr. Gref was born in 1964. In 1990, he graduated from Omsk State University. PhD in Economics. In 2000, he was appointed Minister for Economic Development and Trade of the Russian Federation. Since 2007, Mr. Gref has been CEO and Chairman of the Management Board, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.0031 %. Holds 0.003 % of the Bank’s ordinary shares. Information about transactions with the Bank’s shares in 2011:
ARTAMONOV IGOR GEORGIEVICH Deputy Chairman of the Management Board, Sberbank of Russia OJSC Mr. Artamonov was born in 1967. In 1990, he graduated from Plekhanov Institute of National Economy in Moscow; in 1999, the Academy of National Economy under the Government of the Russian Federation; in 2007, State University – Higher School of Economics. In 2004, he was appointed Deputy Chairman of the North Caucasus Bank, Sberbank of Russia OJSC. In 2007, he was appointed Chairman of the West-Siberian Bank, Sberbank of Russia OJSC. Since 2011, Mr. Artamonov has been Deputy Chairman of the Management Board, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.00027%. Holds 0.00029% of the Bank’s ordinary shares. Information about transactions with the Bank’s shares in 2011:
GORKOV SERGEY NIKOLAEVICH Deputy Chairman of the Management Board, Sberbank of Russia OJSC Mr. Gorkov was born in 1968. In 1994, he graduated from the Academy of the Federal Security Service of the Russian Federation; in 2002, Plekhanov Russian Academy of Economics. In 2008, he was appointed Director of the HR Policy Department, Sberbank of Russia OJSC. Since 2010, Mr. Gorkov has been Deputy Chairman of the Management Board, Sberbank of Russia OJSC. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011.
Mr. Donskih was born in 1967. In 1988, he graduated from Plekhanov Institute of National Economy. From 2004, he was Chief Executive Officer, Deputy Chairman, and Chairman of OAO Bank Uralsib. In 2009, he was appointed Chief Executive Officer of OAO Financial Corporation Uralsib. Since 2010, Mr. Donskih has been Deputy Chairman of the Management Board, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.0012%. Holds 0.0013% of the Bank’s ordinary shares.
ZLATKIS BELLA ILYINICHNA Member of the Supervisory Board, Sberbank of Russia OJSC, Deputy Chairman of the Management Board, Sberbank of Russia OJSC Mrs. Zlatkis was born in 1948. In 1970, she graduated from the Moscow Financial Institute. PhD in Economics. Since 2004, Mrs. Zlatkis has been Deputy Chairman of the Management Board, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.0004%. Holds 0.0005% of the Bank’s ordinary shares. Information about transactions with the Bank’s shares in 2011: no transactions. KARAMZIN ANTON ALEKSANDROVICH Deputy Chairman of the Management Board, Sberbank of Russia OJSC Mr. Karamzin was born in 1969. In 1993, he graduated from the Finance Academy under the Government of the Russian Federation. From 2005, he was Chief Accountant, head of the Financial Department, and Executive Director of the Debt Capital Market Department, Morgan Stanley Bank LLC. Since 2008, Mr. Karamzin has been Deputy Chairman of the Management Board, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.003%. Holds 0.003% of the Bank’s ordinary shares.
KUZNETSOV STANISLAV KONSTANTINOVICH Deputy Chairman of the Management Board, Sberbank of Russia OJSC Mr. Kuznetsov was born in 1962. In 1984, he graduated from the Red Banner Military Institute; in 2002, from the Law Institute of the Ministry of Internal Affairs of the Russian Federation. PhD in Law. From 2002, he was head of the Administrative Department and Director of the General Affairs Department at the Ministry of Economic Development and Trade of the Russian Federation. In 2007, he was appointed Deputy Minister for Economic Development and Trade of the Russian Federation. In 2008, he was appointed Senior Vice President, Sberbank of Russia OJSC. Since 2010, Mr. Kuznetsov has been Deputy Chairman of the Management Board, Sberbank of Russia OJSC. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. TORBAKHOV ALEKSANDER YURIEVICH Deputy Chairman of the Management Board, Sberbank of Russia OJSC Mr. Torbakhov was born in 1971. In 1994, he graduated from the Ordzhonikidze Moscow Aviation Institute; in 1997, the Moscow State Institute of International Relations (University); in 2003 – 2005, he completed an MBA program in the University of Chicago Graduate School of Business. In 2005, he was appointed Vice President, Unit Head – Vice President of Rosgosstrakh Holding Company LLC. In 2008, he was appointed Chief Executive Officer of Rosgosstrakh-Zhizn Insurance Company LLC. In 2009, he was appointed Chief Executive Officer of OAO Vimpel-Communications. In September 2010, he was appointed Advisor to President, Sberbank of Russia OJSC. Since October 2010, Mr. Torbakhov has been Deputy Chairman of the Management Board, Sberbank of Russia OJSC. No share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011.
Mr. Bugrov was born in 1974. In 1995, he graduated from the London School of Economics and Political Science; in 1997, the Moscow State Institute of International Relations (University); in 2000, the European Institute of Business Administration. In 2004, he became partner at the Moscow Representative Office of McKinsey & Company, Inc. Russia. Since 2008, Mr. Bugrov has been Senior Vice President, Sberbank of Russia OJSC. No share in the Bank’s charter capital/ordinary shares. Information about transactions with the Bank’s shares in 2011:
KANOVICH OLGA NIKOLAEVNA Member of the Management Board, Sberbank of Russia OJSC, Senior Vice President Mrs. Kanovich was born in 1971. In 1993, she graduated from Plekhanov Russian Academy of Economics. In 2005, she was appointed member of the Board and Director of the Operations Department in VTB24 ZAO. Since 2008, Mrs. Kanovich has been Senior Vice President, Sberbank of Russia OJSC. Holds no share in the Bank’s charter capital/ordinary shares. No transactions with shares in 2011. ORLOVSKIY VICTOR MIKHAILOVICH Member of the Management Board, Sberbank of Russia OJSC, Senior Vice President Mr. Orlovskiy was born in 1974. In 1996, he graduated from the Tashkent Electrotechnical Institute of Communication; in 2001, the Moscow State University of Economics, Statistics and Informatics. In 2004, he was appointed Director for Products and Operations Development and Support, Retail Business Unit, OAO Alfa-Bank. In 2006, he was appointed Deputy Director of OOO IBM Eastern Europe/Asia. Since 2008, Mr. Orlovskiy has been Senior Vice President, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.0007%. Holds 0.0008% of the Bank’s ordinary shares. Information about transactions with the Bank’s shares in 2011:
BAZAROV ALEKSANDER VLADIMIROVICH Member of the Management Board, Sberbank of Russia OJSC, Vice President – Director of the Corporate Clients Department Mr. Bazarov was born in 1962. In 1984, he graduated from Kiev State University. PhD in Economics. From 2004, he was Managing Director and Head of Customer Relations for CIS countries at Deutsche Bank AG, London, Kiev. In 2008, he was appointed Director of the Corporate Clients Department, Sberbank of Russia OJSC. Since 2009, he has been Vice President – Director of the Corporate Clients Department, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.0022%. Holds 0.0023% of the Bank’s ordinary shares.
MOROZOV ALEKSANDER VLADIMIROVICH Member of the Management Board, Sberbank of Russia OJSC, Vice President – Director of Financial Department Mr. Morozov was born in 1969. In 1995, he graduated from Lomonosov Moscow State University. In 2005, he was appointed Head of Treasury at ZAO International Moscow Bank. From 2006, he was General Manager and Head of Treasury at ZAO International Moscow Bank. In 2007, he was appointed Executive Vice President and Chief Financial Officer at KB Renaissance Capital (OOO). In 2008, he was appointed Director of the Financial Department, Sberbank of Russia OJSC. Since 2009, Mr. Morozov has been Vice President – Director of Finance, Sberbank of Russia OJSC. Share in the Bank’s charter capital: 0.0014%. Holds 0.0009% of the Bank’s ordinary shares. Information about transactions with the Bank’s shares in 2011:
Management Board committeesTo enhance efficiency and for business development, there are a number of collective bodies (committees) operating in the Bank and which are accountable to the Management Board of Sberbank of Russia. The primary objectives of such committees are to address issues and implement a single coordinated policy in various areas of the Bank’s operations.
Bank CollegiumThe Bank Collegium, a permanent collective operating body, has been functioning in the Bank since 2008. The Collegium comprises members of the Bank’s Management Board and heads of regional and subsidiary banks. This collective body is a forum for active discussion of all strategic issues related to the Bank’s development and search for the best solutions that take into account the regional aspects of the Bank’s operations. In 2011, the Collegium held 3 meetings where it reviewed and passed resolutions on key areas such as reformatting the Bank’s branch office network, launching a new retail business model, defining approaches to performance and headcount management, and transforming the Bank’s corporate culture. Audit CommissionThe Audit Commission is elected by the annual General Shareholders’ Meeting to control the Bank’s financial and economic activities. The Audit Commission checks whether the Bank complies with legal and other acts governing its activities and reviews organization of the Bank’s internal control and legality of current transactions. The Audit Commission evaluates reliability of data included in the Bank’s annual report and the annual accounting statements. Members of the Audit Commission of Sberbank of Russia OJSC elected by shareholders on 3 June 2011:
Committee for Interaction with Minority ShareholdersThe Committee for Interaction with Minority Shareholders has been functioning in Sberbank since 2008 in order to maintain efficient relations with shareholders and improve corporate governance. The Committee holds regular meetings on topics of most interest to shareholders in Moscow and the regions. Offsite meetings of the Committee are held as videoconferences. This is a unique approach to relations with regional minority shareholders, which allows the Bank to cover the largest possible shareholder audience and get it involved in a meeting of the Bank’s top managers. In 2011, the Committee held its offsite meetings in Krasnoyarsk, Rostov-on-Don, Khabarovsk, Yaroslavl, Voronezh, and Stavropol. In 2011, the Bank started webcasting the meetings live on the regional bank’s web page for those shareholders who could not attend the meeting in person. Since it was established, the Committee visited all regional banks of Sberbank. Members of the Committee for Interaction with Minority Shareholders:
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