Sberbank Annual Report on 2016 Performance. Herman Gref

Transcription

1 Sberbank Annual Report on 2016 Performance Herman Gref

2 10062 / Profit/Loss In 2016 Sberbank earned a record profit Net Profit 542 RUB bn 20.8% 24.2% 20.8% Return on equity 14.8% 20.8% #1 in #5 in return on equity among TOP-50 banks in Europe return on equity among TOP-100 banks in Europe 10.2% #47 in profit among the world s public companies

3 / RUB bn U Dividends 25% of net profit Net profit (IFRS) paid out in dividends 16.9% 20.0% 20.0% 25.0% Dividend per 1 ordinary share, RUB per ordinary and preferred share RUB 3.5%

4 / Sberbank shares Summing up, in 2016 Sberbank #4 #21 bank in Europe by market cap bank in the world by market cap Sberbank s share price trend in % equity upside in % total returns for shareholders 80 1Q 2Q 3Q 4Q

5 / Efficiency The Bank is continuing its program for improving efficiency and cutting operating costs 39.7% Cost to Income Ratio (CIR) Cost to Income Ratio (CIR), TOP-10 banks in the world 48.7% 46.0% ICBC China Construction Bank Bank of China 33.1% 33.1% 39.6% Sberbank % 43.2% 43.7% Agricultural Bank of China Commonwealth Sberbank % 42.3% 43.7% 39.7% JPMorgan Chase Wells Fargo 57.6% 58.5% Citigroup 59.6% Bank of America 65.0% HSBC 83.0%

6 / Lending to economy In 2016, Sberbank lent over RUB 10 tn to the Russian economy 9.1 Loans to corporates, RUB tn 1.6 Loans to individuals, RUB tn Z RUB tn

7 / Loan quality Quality of Sberbank s loans is higher than generally in the Russian banking sector 342 Provisioning expense, RUB bn Overdue loans as share of portfolio Banking system without Sberbank Sberbank -28% Corporates Individuals % 7.7% 7.9% -5.9 pp 7.8% 10.8% 10.8% -7.1 pp % 3.1% 3.8% 3.7% 2.0% 2.4%

8 / Subsidiary Banks Sberbank Europe AG SB Sberbank JSC (Kazakhstan) BPS-Sberbank Sberbank of Russia Denizbank 9 countries bank #4 bank #3 bank #7 bank #5 Market share 2.5% 6.1% 8.7% 3.7% 4.8% Net Profit, RUB bn

9 / Financial performance Returns and equity Efficiency Growth Return on equity 21% ~18% Cost/Income 39.7% <40.0% Net Profit х1.5 х Goal of 2018 Strategy 2016 Goal of 2018 Strategy 2016/2013 Goal of 2018 Strategy /2013 Tier 1 Capital Adequacy 12.3% >10.0% Cost/Assets 2.6% <2.5% Активы х1.4 х1.8 With our customer for life The most client focused bank in Russia Winner of Customer Rights and Service Quality award Technological Break-Through IT systems centralization program Winner of international Legacy Transformation award 129 Х20 mln retail clients shortened incident downtime Mature Organization CIPR Inside award for internal communications Winner of the international innovation award organized by Efma & Accenture & Team and Culture Best example of employee engagement CIPR Inside award for internal communications 5 of 10 best international business schools are partners with Sberbank Corporate University

10 / % # million cards +5% million users in Sberbank Online acquirer in Europe The Nilson Report million POS terminals +25% Yandex.Money #1 Share of Sberbank 75% minus RUB 1 Runet payment aggregator e-wallet in Russia 7.5 RUB tn card-to-card transfers (P2P) +82% million million million users of Mobile Bank +19% users of Sberbank Business Online +10% active users of Autopayments +40% million participants in Sberbank Spasibo loyalty program +35%

11 / Consultants educate clients near ATMs Usage of remote channels best in the country Unique payment service for mobile connectivity (900 number) Autopayment: 0 seconds per transaction Over 1 million acquiring terminals Contactless payments by smartphone Paper-free transactions in branches P2P transfers market created Purchase of real estate simplified Biometricsbased payments

12 / Transit fare Doctor appointment Fully Cashless City Loyalty program Shopping in a farmer s market Zelenodolsk Republic of Tatarstan Public services Social services Shopping in stores CITIZEN S CARD universal tool to manage daily needs of a citizen

13 / New products of Sberbank DomClick SPASIBO from Sberbank - Travel Sberbank Together Active Retirement Сбербанк Телеком Evotor - Evolution of Trade Sberbank Telecom SBERBANK IR Investor application

14 / Sberbank Investor Comfortable tool for trading shares

15 / Intelligent (Smart) Management System 300,000 tasks a week are set by the program to management automatically & Sberbank received a record number of votes in the history of EFMA & Accenture innovations competition 6,000 branches 7,000 managers

16 / Risk management Digital technologies have taken risk management to a new level in Sberbank 584 Checking transaction exposure limits for efx CIB minutes Loan in 1 day for small & medium businesses Daily Cyberfraud attempts against clients prevented 475 in 2015 Risk assessment models 6 milliseconds 3-11 days in 2015 SMART-loans for SMEs 7.5 hours 11 days in 2015 once a year in 2015 Review of exposure to banks 95% 69% in 2015

17 / DomClick domclick.ru Multi-format platform for real estate transactions Legal review Documents for the transaction Electronic registration Registration of the transaction at Sberbank Trip to the bank Bank Transfer of documentation to Rosreestr instantly 5 business days Transaction registration Notification of completed registration and final documents attached in 1 trip 5 business days % of price Sale of mortgaged properties Property selection Renovation and furniture Secure settlements Title Insurance Trip to the bank Trip to Multifunctional center Rosreestr Trip to Multifunctional center Trip to the bank 4 trips Online registration of the transaction 1 business day Filing registration documents 2 business days Transfer registration documents 5 business days Transaction registration 2 business days Transfer of registration documents 1 business day Transfer of registration documents to the bank 11 business days

18 10018 / Agile Team of Sberbank s Retail Business Block Moscow, Kutuzovsky Prospekt, 32 Sberbank Office

19 The most expensive way of payment is time