Sberbank information (materials)
Corporate business Lending to Corporate Clients
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- Structure of the Loan Portfolio
- Segmentation in the Corporate Business
5.Corporate businessLending to Corporate ClientsIn 2011 Sberbank remained the key provider of financial resources to the Russian economy. The Bank accounts for about a third of the entire loan portfolio of the banking system. Playing such a significant role in lending to the economy, the Bank consistently develops this crucial area and increases lending volumes. In 2011 Sberbank granted corporate clients loans totaling over 5.5 trillion rubles. This exceeds last year's figure by 28%. The portfolio of loans to legal entities added 34.1% during the year and reached 6.4 trillion rubles. Over a half of the portfolio is represented by territorial banks operating in all regions of the country. Structure of the Loan PortfolioTraditionally, a large part of loans to corporate clients was granted in rubles, and their share in the loan portfolio was 78.2% as of 1 January 2012. Ruble loans for a term of 1 to 3 years as finance of current operations or refinance of previous liabilities invariably remain in greatest demand. Loans for a term of over 5 years are also in high demand. Structure of the loan portfolio by the credit period
Segmentation in the Corporate BusinessThe Bank is expanding its lending and financial operations for all groups of corporate clients by collaborating both with flagships of Russian business and the segment of micro and small businesses. Priority is given to companies with a positive credit history whose main turnover passes through Sberbank's accounts. Structure of the Bank's loan portfolio by client segments
In 2011 Sberbank allocated a priority program for promotion of business with the large and medium segment companies with annual revenues of 0.4 to 15 bn. rubles. The Bank created an institute of client managers responsible for collaboration with such clients, finalized product and service offerings and introduced upgraded products for overdraft, turnover lending, trade and export finance, cash and settlement services. First steps were made to integrate investment banking products in the process of collaboration with large clients. Sberbank is actively developing the automated Corporate CRM system, the only hi-tech system that involves an automated lending process for largest, large and medium business. Its future releases will include functionality for small and micro business and troubled assets. This project was internationally recognized after it won the Bronze Prize for Project Excellence in Big-Sized Projects during the IPMA Award 2011 International Congress. Sberbank was the only bank that made it to the finals of this prestigious international contest. In addition, the project was recognized for Best use of IT in Wholesale/Transaction Banking by British magazine Banking Technology. Lending to Major Clients In 2011, the portfolio of loans to major corporate clients grew 1.5 times and exceeded 3.7 trillion rubles. Largest amounts of credit resources were granted to the largest corporate clients operating in different sectors of the national economy. Funds were provided to finance current operations, replenish working capital, fund investment programs involving upgrades in manufacture, mergers and acquisitions, restructuring of debt, leasing and for other purposes. Sberbank arranged the issue of bonds to fund construction of a motorway within its partnership effort on a critical infrastructure project of federal magnitude. Operations with Small Businesses Collaboration with small businesses is among top priorities of the Bank's operations. By end of 2011, the portfolio of loans granted to small businesses exceeded 650 bn. rubles and the number of clients topped 100,000. In 2011, the Bank approved the Concept of Development of Small Business to 2014. It defines a comprehensive service package to be provided to companies within this segment, support on each stage of development, the role of the locomotive that the Bank should play in creating small business in Russia and winning a leading position in this market. Relationships with small business clients are pursued in several directions. The loan granting process is shifting to a new technological track. The Loan Factory technology was implemented in all territorial banks to grant unsecured loans to small businesses based on a scoring model of assessment of creditworthiness. Loans are granted within 3 days. Based on this technology, over 48,000 loans were granted in 2011, totaling 32.3 bn. rubles. The Bank started implementing another lending technology aimed at small businesses – the Loan Conveyor. It allows granting loans on flexible terms to all categories of small business borrowers in 5 business days. About 300 loans worth over 1 bn. rubles were granted as part of the first stage. The second direction of promoting relationships with small businesses involves development of new products. Testing of an innovation credit product, Business Start, was launched in 30 largest cities for beginning entrepreneurs who now can obtain finance of up to 70% of the new startup. The first stage involves lending of franchised businesses. Later, there are plans to offer clients over 100 ready-made solutions for them to start a business independently. The Bank designed another credit product, Business Project, offered for expansion and modernization of an existing business and opening of new areas for the borrower's operations. Future revenues to be generated by the funded project are taken into account when estimating the loan amount. In 2012 three territorial banks started testing this product. The third critical direction for operations with small businesses involves changing conditions of existing programs based on market needs. In 2011, the maximum loan amount was increased to 2 mln. rubles under the unsecured loan program, the credit term was extended to 3 years; the credit term was increased to 7 years for agricultural producers planning to procure fixed assets; the borrower's installment for purchases of certain categories of vehicles was decreased from 20% to 10% under the Business Car program. In 2011, a number of projects aiming to expand significantly cooperation with small businesses were developed. The Bank is creating specialized Business Development Centers and moves from simple services offered to small businesses to the sale of services and the development of business itself. The Office Format Overhaul program will allow creating, as early as in 2012, a network of such centers that offer services at each stage of the life cycle of a small business, from testing of entrepreneurial abilities, training, registration of the business to financing, legal and accounting support. The Business Environment program is implemented to support small business:
To generate a synergetic effect during implementation of the small business development strategy, the Bank started systematic cooperation with such associations of businesspeople on the federal and regional levels as the Chamber of Commerce and Industry, OPORA ROSSII, the Association of Young Businesspeople and others. OPORA ROSSII, the largest Russian association of small and medium business, became the Bank's strategic partner in 2011. This partnership developed mobile solutions for small businesses – nonstationary platforms and Novator, a mobile center for business development – represented during the 10th International Investment Forum Sochi-2011 and the All-Russian Youth Innovation Forum Seliger-2011. The projects aroused huge interest among representatives of authorities and businesspeople, especially in young circles. Implementation of a long-term project, Young Business for the Olympics, was started. There are plans to set up over 2,000 small companies in tourism and recreation in Sochi by 2014. The Bank will grant loans to businesspeople selected during the tender and starting a business based on well-estimated ready-made business solutions (mini restaurants, mobile consumer service centers, beauty parlors etc.) developed in conjunction with OPORA DRUZHBY. An entrepreneur camp will be created to house educational events and develop new ready-made business solutions. There are plans to popularize Sochi's experience in other regions with a tourist potential such as Baikal, Seliger, and Valdai. Directory: common common -> Anbookstore com Copyright 2013 common -> Chapter 1: Property as rights, not thing common -> The Promise of Accessible Textbooks: Increased Achievement for All Students common -> Proceedings of the national assembly common -> Grade 8: Module 3B: Unit 2: Lesson 17 End of Unit 2 Assessment, Part 1 common -> Advanced 3G/4g vehicle Wi-Fi Router hw-wr1642 common -> Common Core and headsets: what you need to know Download 1.41 Mb. Share with your friends:
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