Sberbank is a financial institution known not only to the vast majority of Russians, but also to residents of other countries. The reason is its scale, uniqueness, and popularity compared to other similar institutions in the Russian Federation. In this article we will focus on the organizational structure of Sberbank, which has no analogues in Russia. Let's start with a general introduction to the organization.

About Sberbank

The subject of our conversation is PJSC, the largest Russian bank. Its founder is the Central Bank of Russia. It is the Central Bank that owns the controlling stake in this institution. Other shareholders are both organizations and individuals.

Uniqueness is noticeable not only in the extensive organizational structure of Sberbank. It also highlights the following:

Providing state guarantees for deposits.
Participation in an international program whose goal is the development of small and medium-sized businesses in the Russian Federation.
Servicing accounts, accounting for income and turnover of the Russian federal budget.

Scheme of the organizational structure of Sberbank of Russia

Let's look at the hierarchy of components of this large banking organization:

The entire organizational structure of Sberbank OJSC can be divided into almost equal four shares:

Head office.
Territorial branches.
Agencies and branches.
Other branches of the system.

Meeting of shareholders

The management structure of this organization presupposes the existence of ruling bodies with established levels of responsibility, a number of powers and rules for interaction with other components of the system. Let's move on to the top.

The main governing body of the organizational structure of Sberbank PJSC is the meeting of shareholders. Only it has the right to elect the board of the institution, as well as the supervisory board. Shareholders are both individuals and legal entities. They are owners of both ordinary and preferred securities.

The main tasks of this part of the organizational structure of Sberbank:

Structure management

The general management of Sberbank is the business of the elected Council. His key responsibilities are:

Determination of bank development vectors.
Control over the work of the board.
Approval of the annual report.
Control of investment and lending policies.
Organization of activities of the audit and credit committees.
Selection of the chairman.

Audit and credit committees

We continue to get acquainted with the organizational structure of Sberbank. As we have already mentioned, its Council creates two committees, each of which has specific tasks:

head office

Let's move on to the organizational structure of Sberbank branches. The main thing here is the head office - it manages smaller branches. Hence, its tasks are the following:

Territorial divisions

It should be noted that the activities of territorial structures are ensured by the Sberbank security service. They themselves are busy with the following:

Regional branches

Regional divisions and branches are the most widespread in the entire Sberbank system. It must be said that within the structure they are constantly being optimized based on the population density in a particular region and the number of bank clients. Much attention is also paid to consumer preferences for certain banking services.

Regional branches of the organizational structure of Sberbank have the full range of rights of legal entities. The balance sheet of such a branch is an integral part of the single balance sheet of the entire corporation.

The activities of regional branches are based on the approved regulations. Based on it:

Branches in the regions have the rights of legal entities.
They are part of the savings banking system.
In their work they rely on acts adopted by both the Central Bank of the Russian Federation and Sberbank itself.

Here it is necessary to identify specialized branches. They focus not only on individual and specialized banking services, but also on the development of certain areas of financial business: work with corporate clients, transactions with currency, shares, etc.

Agencies

It is impossible not to separately highlight such a part of the Sberbank structure as agencies. They are considered the very last link in the system - they were created at large institutions to work with the population of remote and sparsely populated regions of the Russian Federation. The range of operations they perform is limited - cash management services, salary transfers.

In the future, it is planned to replace agencies with mobile operating cash desks.

Branches

The structure of Sberbank includes the following branches:

Functions of the organizational structure

Let's consider the general functions of the organizational structure of PJSC Sberbank of Russia:

Turnover of funds received from the population and organizations.
Issuance of loans to individuals and legal entities.
Settlement and cash services for the population.
Working with securities: issue, sale, purchase.
Commercial services: leasing, factoring.
Issue of bank cards.
Transactions with currency.
Consulting and informing citizens on economic issues.

We briefly examined the extensive organizational structure of Sberbank. Now you are aware of its components and their specific activities.

The Savings Bank of the Russian Federation is currently the largest bank in Russia and in fact is one of the guarantors of the stability of the current economy of our country. The bank's long-term stability and state guarantee make it very popular among the population. When considering banking services, one way or another, you have to focus on Sberbank of the Russian Federation, which offers a full range of services to both individuals and legal entities, however, the conditions for providing services do not always have an acceptable price, since the bank has a long-term serious reputation.

Sberbank of Russia was created in the form of an open public joint-stock company in accordance with the Law of the RSFSR “On Banks and Banking Activities in the RSFSR”. Full name: public joint-stock company Sberbank of Russia.

The founder and main shareholder of Sberbank of Russia is the Central Bank of the Russian Federation.

The history of the development of the Savings Bank of the Russian Federation began more than 160 years ago, when the first Sberbank was opened in 1841. It was called the “State Bank” and its main activity was ensuring the safety of deposits. Subsequently, the bank was transformed into Sberbank of the USSR, and in 1991 - into Joint-Stock Commercial Sberbank of the Russian Federation.

The bank has formed a stable resource base and increased the potential of branches and branches. The Bank was faced with the task of effective management of attracted resources. In the period from 1991 to 2008, Sberbank of Russia underwent significant changes, survived the crisis and finally emerged as a modern and universal bank, open to work with all groups of clients, a pillar and support of the Russian economy. In 2006, Sberbank implements its expansion policy in international markets and opens a representative office in Kazakhstan.

In 2007, a representative office of Sberbank opened in Ukraine; today it has over 190 branches.

Since 2008, Sberbank has received the status of a strategic partner of the World Economic Forum in Davos (Switzerland).

In 2010, Sberbank continued its sustainable development, a number of strategically important agreements were concluded, certification and assessment of working personnel was carried out, additional measures were taken to improve the quality of service to citizens, and socially significant and economic projects were implemented.

Sberbank of Russia in 2016 is a modern universal bank that meets the needs of various groups of clients in a wide range of banking services. The share of Sberbank of Russia in the total assets of the Russian banking sector was 29.4% as of August 1, 2014; in the private deposit market - 46.4%; the loan portfolio corresponded to 34.7% of all loans issued to the population. Sberbank occupies the largest share in the deposit market and is the main creditor of the Russian economy.

The activities of Sberbank have a wide range of services provided, the main of which are:

· Lending to individuals and legal entities

· Bank cards

· Investments and securities

· Translations

· Cash and traveler's checks

Precious metals and coins

· Rent of safes

· Online services, etc.

The dynamics of the main indicators of the Russian economy in 2014 were formed under the influence of negative external factors: falling oil prices, a significant increase in geopolitical tensions and the subsequent introduction of sectoral sanctions against Russia. Despite foreign economic difficulties, Sberbank maintained its leading position in the main segments of the Russian financial market.

The main performance indicators of this enterprise are the following economic indicators:

Table 2.

Key economic indicators of Sberbank PJSC

Having studied the data in the table, we can conclude that the dynamics of these indicators are positive. Despite the current situation in the financial market, the assets of Sberbank of Russia increased by 6990.5 billion, due to additional attraction of client funds (+ 3498.7 billion) and an increase in the bank’s own funds (+138.7 billion). The size of own funds can also be increased by increasing the number of loans issued, and as a result, Sberbank increased the number of loans issued by 4822.7 billion.

The bank's branch network as of April 1, 2015 includes 17 territorial banks and almost 20,000 structural divisions (branches) throughout Russia. Subsidiary banks of Sberbank of Russia operate in Kazakhstan, Ukraine, Belarus, and Germany. In June 2010, Sberbank received permission from the Chinese Banking Regulatory Commission to open a representative office in Beijing, and in September 2010, the Bank of Russia registered a branch of Sberbank of Russia OJSC in India.

The organizational structure of the bank is presented as follows:

Sberbank of the Russian Federation Territorial banks Branches

Diagram 1. Organizational structure of Sberbank

Regional business development is the main emphasis that Sberbank of Russia places in its activities. Sberbank branches, together with the Main Directorate, are part of the unified system of Sberbank of Russia. Sberbank branches that do not have the rights of legal entities act on the basis of provisions approved by the Board of the Security Council of the Russian Federation. The balance sheet of each branch is included in the balance sheet of Sberbank of the Russian Federation. The branch network of Sberbank of the Russian Federation covers the entire territory of the country. Branches of Sberbank of the Russian Federation are hierarchically structured and divided into regional banks, territorial banks and internal structural divisions.

The North-West Bank of Sberbank of Russia is one of 17 territorial banks of the largest banking institution in Russia - Sberbank and operates in 7 constituent entities of the Russian Federation - St. Petersburg, Leningrad, Kaliningrad, Murmansk, Pskov, Novgorod regions, as well as the Republic of Karelia. Currently, the North-West Bank of Sberbank of Russia has the most developed branch network in the region - more than 1 thousand branches. Let's look at its organizational structure:

Figure 3. Organizational structure of the North-Western branch of Sberbank PJSC

staff turnover mentoring regulations

In the ranking of the 1000 largest banks in the world in terms of first-tier equity capital, according to TheBanker magazine, Sberbank of Russia ranks 66th (in 2006 - 82nd). According to the rating of the FinancialTimes newspaper, the bank entered the Top 25 largest banks in the world by capitalization, taking 24th place (in 2006 - 43rd), and in the ranking of the 500 largest companies in the world by capitalization, Sberbank took 103rd place (in 2006 - 232nd), being included in the list of companies that made the most significant jump in the ranking.

They accept deposits: time deposit, online deposit, settlement deposit, savings certificate, DIA payments, compensation for deposits, as well as account tracing. Sberbank in St. Petersburg is part of the structure of North-West Bank with a central office in St. Petersburg

Introduction

This report examines the public joint stock company Sberbank of Russia. Today, Sberbank of Russia reminds almost nothing of the savings banks, the functions of which it performed over a significant period of its history. But today, Sberbank of Russia is no longer even similar to itself just ten years ago. The ability to change and move forward is a sign of the excellent “sports” shape that Sberbank of Russia is in today. The title of the oldest and largest bank in Russia does not prevent it from openly and conscientiously competing in the banking market and keeping its finger on the pulse of financial and technological changes. Sberbank not only keeps pace with modern market trends, but also gets ahead of them, confidently navigating rapidly changing technologies and customer preferences. The purpose of educational practice is to consolidate and apply theoretical and practical knowledge acquired during training at the Department of Finance of Organizations. To achieve this goal, the following tasks must be completed:

· give a general description of PJSC Sberbank of Russia;

· consider the organizational structure of PJSC Sberbank of Russia;

· conduct a technical and economic analysis of PJSC Sberbank of Russia;

· analyze the financial condition of PJSC Sberbank of Russia.

The training practice was carried out at Sberbank of Russia in the Bank of Tatarstan Branch No. 8610, in the period from 03/28/2016 to 04/09/2016.

General characteristics of PJSC Sberbank of Russia

Sberbank financial organizational

Public Joint Stock Company "Sberbank of Russia" (hereinafter - PJSC "Sberbank of Russia") is a modern universal organization, one of the largest Russian commercial banks in Russia and the CIS countries.

Sberbank of Russia has a huge branch network: 17 territorial banks and more than 18,400 divisions. It provides services in all 83 constituent entities of the Russian Federation. Remote service channels have recently been introduced. The Sberbank Online and Mobile Bank applications are being developed with a wide customer base.

Also recently, Sberbank has significantly expanded its international presence. Previously, it was limited to the CIS countries, but recently the distribution area has increased significantly. Representative offices appeared in Central and Eastern Europe (Sberbank EuropeAG) and Turkey (DenizBank). The acquisition of DenizBank turned out to be the most significant in the entire 170-year history of the bank. In addition to the previously listed countries, Sberbank also has representative offices in China, India and Germany, and manages Sberbank Switzerland AG.

Sberbank of Russia was created in the form of an open joint stock company in accordance with the Law of the RSFSR “On Banks and Banking Activities in the RSFSR” in 1991. The founder and main shareholder of Sberbank of Russia is the Central Bank of the Russian Federation. The Bank's shareholders are more than 200 thousand legal entities and individuals.

The highest governing body of Sberbank of Russia is the general meeting of shareholders.

The bank is a legal entity and, with its branches, forms the unified system of Sberbank of Russia.

The history of the development of Sberbank PJSC in Russia began on November 12, 1841, Russian Emperor Nicholas I signed a decree on the establishment of savings banks in Russia “to deliver savings through this in a reliable and profitable way.” This date began to be considered the birthday of Sberbank.

A few months later, on March 1, 1842, an employee of the Loan Treasury, Nikolai Cristofari, crossed the threshold of the newly opened cash office in St. Petersburg. He could not even imagine that at that moment he was becoming the first client of a financial institution, whose history would be inextricably intertwined with the history of Russia.

Sberbank is the historical successor to the Savings Banks, founded by decree of Emperor Nicholas I, which at first were only two small institutions with 20 employees in St. Petersburg and Moscow. Then they grew into a network of savings banks that operated throughout the country and, even in difficult times, helped maintain the stability of the Russian economy. Later, during the Soviet era, they were transformed into the system of State Labor Savings Banks. And in modern times they have become a modern universal bank, a large international group whose brand is known in more than twenty countries around the world.

Table 1.1 below presents the stages of development of PJSC Sberbank of Russia.

Table 1.2. Stages of development of PJSC Sberbank of Russia


		Foundation and development of banking in Russia. The first client of the country's first bank. Growth to 500 clients per day
		The “Golden Age” of the first bank of Russia and the development of financial literacy of the population. 3875 savings banks 2,000,000 issued passbooks
		The first revolution and global changes in Sberbank's policy. Savings banks began to carry out money transfers, issue their own loan certificates, and conduct transactions with interest-bearing and securities.
		Sberbank during the Great Patriotic War and the post-war period, participation in projects of national and global significance. A new Charter of state savings banks was established.
		Development and transformation of Sberbank during the “thaw”, “stagnation” and “perestroika”. The number of savings banks doubled: from 40 thousand to 79 thousand. The number of bank clients increased 12 times.
		Global changes in Sberbank of Russia: life according to new economic laws. The first ATMs began to operate. The Sberbank Non-State Pension Fund was created. The Sberbank Online service began operating.
		Activities and measures of Sberbank of Russia in a difficult financial situation: the crisis has been overcome. The Sberbank Business Online system began to operate. Sberbank entered the top 20 largest banks by market capitalization. The bank became the general partner of the Sochi 2014 Olympic Games.
		A new stage in the history of Sberbank of Russia: the introduction of innovative solutions, new programs and advanced technologies. New future of the country. Sberbank has canceled all fees for reviewing and issuing loans. Lending interest rates were reduced twice.

Sberbank is a modern universal bank with a large share of private capital, including foreign investors. The structure of Sberbank's share capital indicates its high investment attractiveness.

Today, PJSC Sberbank of Russia, as one of the market participants, occupies a leading position in the Russian banking sector, as well as in the lending market, this rating is presented in Figure 1.1.

Rice. 1.1.

The main goal of PJSC Sberbank of Russia is to ensure growth in investment attractiveness and maintain leadership in the Russian financial services market by modernizing management and technological processes. To achieve this goal, the activities of Sberbank of Russia OJSC are aimed at improving client policy, creating a flexible, effective system of interaction with clients based on taking into account the needs of various client groups.

PJSC Sberbank of Russia is a universal commercial bank that meets the needs of various groups of clients in a wide range of high-quality banking services throughout Russia.

Acting in the interests of depositors, clients and shareholders, PJSC Sberbank of Russia strives to effectively invest raised funds from private and corporate clients in the real sector of the economy, lend to citizens, promote the sustainable functioning of the Russian banking system and save household deposits.

The main activities of PJSC Sberbank of Russia:

· attracts funds from individuals and legal entities into deposits;

· Places funds on its own behalf and at its own expense;

· opens and maintains bank accounts for individuals and legal entities,

· carries out settlements on behalf of clients;

· collects bills, cash, payment and settlement documents and provides cash services to individuals and legal entities;

· buys and sells foreign currency in cash and non-cash forms;

· attracts deposits and places precious metals;

· issues bank guarantees;

· carries out money transfers on behalf of individuals without opening bank accounts;

· carries out leasing operations;

· provides brokerage, consulting and information services;

· issues and services bank cards;

· carries out the issue, purchase, sale, accounting, storage and other operations with securities, and much more.

Funds for carrying out these activities are attracted by the Bank from the following sources: funds of shareholders; deposits of private clients; funds of legal entities; other sources, including borrowings on international financial markets.

The educational practice was completed in the lending department for medium and large businesses of the Bank of Tatarstan branch No. 8610.

Providing services to medium-sized, large and private individuals is a priority activity of the Bank of Tatarstan branch No. 8610.

“Bank of Tatarstan” No. 8610 is actively developing lending programs, offering its clients profitable loans for project and investment business lending, improving housing conditions, purchasing vehicles, obtaining higher education and solving many other financial issues. Sberbank of Russia helps carry out payment transactions, takes responsibility for storing and increasing the funds of its depositors.

Each client of the Bank of Tatarstan branch No. 8610 can always count on the help of qualified specialists, an individual approach and attentive attitude.

The reliability of PJSC Sberbank of Russia and its impeccable business reputation in Russia and abroad are confirmed by high ratings from leading rating agencies.

The SWOT analysis of PJSC Sberbank of Russia is given in Table 1.2.

Table 1.2. SWOT analysis of PJSC Sberbank of Russia

Strengths:

Sberbank of Russia is a reliable credit institution. The bank has high ratings both in Russian and international rating agencies, and is also one of the largest companies in Russia; The controlling stake in the bank belongs to the state. If the bank has problems, it can count on the help of the main shareholder; Has a developed regional network of branches throughout Russia; The publication of quarterly reports according to international standards indicates great transparency of the bank’s activities; It has high liquidity of its securities, which have long been perceived by the market as a protective security. The bank has a diversified resource base, which gives it stability.

Weak sides:

The bank's low agility to changes in external conditions will contribute to a gradual decline in its market share; Increased competition in the Russian banking services market.

Features: -

Sberbank of Russia seeks to strengthen its position as a leader in the retail sector; The bank's plans include issuing global depositary receipts (GDRs) for existing shares on the London Stock Exchange. The release of shares to Western trading platforms will further increase the liquidity of securities.

Threats: ѓ

The possibility of a conflict between the business development of Sberbank of Russia and the interests of the main shareholder; Increased competition in the banking services market in the event of accession to the WTO and the entry of foreign banks into the Russian market; Possible increase in share price volatility due to personnel changes on the bank's board.

Let us present the main technical and economic indicators of PJSC Sberbank of Russia from 2013 to 2015 in Table 1.3, which is presented below.

Table 1.3. Main technical and economic indicators of Sberbank PJSC

Basic indicators	Unit
Key Indicators of the Income Statement
Operating income before provisions	in billion rubles
Profit before tax	in billion rubles
Net profit	in billion rubles
Main balance sheet indicators
Provision for impairment of loan portfolio	in billion rubles
	in billion rubles
Client funds	in billion rubles
Main quality indicators
Ratio of provision for impairment of loan portfolio to non-performing loans	Meaning
Loans/Deposits

Personnel turnover management using the example of Sberbank PJSC

2.1 Organizational, legal and economic characteristics of Sberbank PJSC

The founder and main shareholder of Sberbank of Russia is the Central Bank of the Russian Federation.

In 2007, a representative office of Sberbank opened in Ukraine; today it has over 190 branches.

Since 2008, Sberbank has received the status of a strategic partner of the World Economic Forum in Davos (Switzerland).

The activities of Sberbank have a wide range of services provided, the main of which are:

· Lending to individuals and legal entities

· Bank cards

· Investments and securities

· Translations

· Cash and traveler's checks

Precious metals and coins

· Rent of safes

· Online services, etc.

The main performance indicators of this enterprise are the following economic indicators:

Table 2.

Key economic indicators of Sberbank PJSC

The organizational structure of the bank is presented as follows:

Sberbank of the Russian Federation Territorial banks Branches

Diagram 1. Organizational structure of Sberbank

Figure 3. Organizational structure of the North-Western branch of Sberbank PJSC

staff turnover mentoring regulations

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Introduction

I, Sinichkina Marina Vladimirovna, a 3rd year student of the specialty "Banking" did an internship at PJSC "Sberbank of Russia". The internship took place in the department for working with individuals from 11/30/15 to 12/25/15.

Objectives for the internship period:

Familiarize yourself with the tasks and specifics of the work of this institution, the structure and functions of all structural divisions.

Acquire initial work skills as a Bank customer service specialist.

Gain experience in carrying out lending operations for individuals and legal entities.

Generating reports for submission to the Central Bank

Formation of documents for filing in the archive

Operations Study

Studying the Bank's product line

Characteristics of PJSC "Sberbank of Russia"

Sberbank of Russia is the largest bank in the Russian Federation and the CIS. Founded in 1841, Sberbank of Russia today is a modern universal bank that meets the needs of various groups of clients in a wide range of banking services. Sberbank occupies the largest share in the deposit market and is the main creditor of the Russian economy.

The founder and main shareholder of the Bank is the Central Bank of the Russian Federation (Bank of Russia), it owns 60.25% of voting shares and 57.58% in the authorized capital of the Bank. The remaining shareholders of Sberbank of Russia are more than 273 thousand legal entities and individuals.

In Yekaterinburg, a savings bank was founded in 1897. In 1987, a specialized Bank for Labor Savings and Lending to the Population was created - Sberbank of the USSR, which also served legal entities.

Sberbank is a modern universal bank with a large share of private capital, incl. foreign investors. The structure of Sberbank's share capital indicates its high investment attractiveness.

Sberbank of Russia has a unique branch network and currently includes 17 territorial banks and more than 19,490 branches throughout the country. Subsidiary banks of Sberbank of Russia operate in the Republic of Kazakhstan and Ukraine.

The main goal of Sberbank of the Russian Federation OJSC is to ensure the growth of investment attractiveness and maintain leadership in the Russian financial services market by modernizing management and technological processes. To achieve this goal, the activities of Sberbank of the Russian Federation OJSC are aimed at improving client policy, creating a flexible, effective system of interaction with clients based on taking into account the needs of various client groups.

Sberbank of the Russian Federation is a universal commercial bank that satisfies the needs of various groups of clients in a wide range of high-quality banking services throughout Russia. Acting in the interests of depositors, clients and shareholders, Sberbank of the Russian Federation OJSC strives to effectively invest raised funds from private and corporate clients in the real sector of the economy, lends to citizens, promotes the sustainable functioning of the Russian banking system and the savings of household deposits.

The main activities of Sberbank of the Russian Federation OJSC:

lending to Russian enterprises;

lending to private clients;

investment in government securities and bonds of the Bank of Russia;

carrying out transactions on a commission basis.

Organizational structure

Sberbank of Russia is a legal entity and, with its branches (territorial banks and branches) and their internal structural divisions, constitutes a unified system of Sberbank of Russia.

Branches of Sberbank of Russia are not vested with the rights of legal entities and act on the basis of 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 management bodies of the Bank are:

the general meeting of shareholders is the highest governing body of Sberbank of Russia. At the General Meeting of Shareholders, decisions are made on the main issues of the Bank's activities. Held once a year. The General Meeting of Shareholders resolves the following issues: approval of the annual report, considers the report of the audit commission, the management report, the procedure for the distribution of profits and its use (the amount and procedure for paying dividends), the development plan for the next year, determines the development strategy of the bank, elects the Bank Council;

supervisory board. The Bank's Supervisory Board consists of 17 directors, including 11 representatives of the Bank of Russia, 2 representatives of Sberbank of Russia and 4 independent directors.

Board of the Bank. The Board of the Bank consists of 14 members. Headed by

Board of the Bank President, Chairman of the Board of the Bank.

All management bodies of the Bank are formed on the basis of the Charter of Sberbank of Russia and in accordance with the legislation of the Russian Federation.

The organizational structure of Sberbank is presented as follows:

Savings Bank of the Russian Federation;

regional banks;

departments;