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## ANNUAL REPORT FOR 2012

ENG РУС FR CSR MR

#### Materials:

- Annual Report
- Social Report
- Financial Report PDF
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# Download center

- Management report
- Bank Profile

- Bank Profile PDF (52 kb)
- Bank Profile PDF (59 kb)
- Our mission PDF (53 kb)
- Our values PDF (80 kb)
- Bank Awards in 2012 PDF (107 kb)
- The bank’s Primary Brands PDF (112 kb)

- Message

- Message PDF (51 kb)
- Message from CEO and Chairman of the Executive Board PDF (164 kb)
- Message from Chairman of the Supervisory Board PDF (166 kb)

- Management Report

- Management Report PDF (52 kb)
- Management responsibility statement PDF (69 kb)
- Macro Developments and Banking System Trends in Russia PDF (594 kb)
- Corporate and Investment Business PDF (124 kb)

- Corporate lending PDF (122 kb)
- Corporate deposits PDF (186 kb)
- Service channels PDF (170 kb)
- Investment banking business PDF (78 kb)

- Retail Business PDF (124 kb)

- Lending PDF (294 kb)
- Credit quality PDF (82 kb)
- Retail deposits PDF (224 kb)
- Transaction services and fee income PDF (463 kb)

- Securities Portfolio and Capital Markets Funding PDF (102 kb)
- Financial Results of Key Subsidiaries PDF (124 kb)

- Financial Results of Key Subsidiaries PDF (85 kb)
- Sberbank Kazakhstan (SBK) PDF (62 kb)
- Sberbank Ukraine (SBU) PDF (62 kb)
- Sberbank Belarus (SBB) PDF (63 kb)
- Sberbank Europe (SBE) PDF (62 kb)
- DenizBank PDF (62 kb)

- Risk Management PDF (65 kb)

- The Bank's Development

- The Bank's Development PDF (53 kb)
- Development of IT platforms PDF (76 kb)
- General banking IT projects PDF (66 kb)
- Retail business IT platforms PDF (104 kb)
- Corporate business IT platforms PDF (103 kb)
- Branch reformatting PDF (62 kb)
- Centralization of middle and back office functions PDF (62 kb)
- Future Development PDF (65 kb)

- Corporate Governance

- Corporate Governance PDF (132 kb)
- General Shareholders’ Meeting PDF (74 kb)
- Supervisory Board PDF (76 kb)
- Members of the supervisory board elected on June 1, 2012 PDF (99 kb)
- Supervisory Board committees PDF (101 kb)
- Executive Board PDF (84 kb)
- Management committees PDF (63 kb)
- Collegium PDF (82 kb)
- Remuneration of members of the bank’s governing bodies PDF (84 kb)
- Share Capital PDF (102 kb)
- Report on payment of declared and accrued dividends PDF (99 kb)

- Financial Review

- Financial Review PDF (51 kb)
- Dynamics of Sberbank Group’s key figures over the past five years in accordance with IFRS PDF (84 kb)
- Group IFRS Income statement PDF (124 kb)

- General trends PDF (64 kb)
- Interest income PDF (199 kb)
- Interest expense PDF (205 kb)
- Net interest income PDF (179 kb)
- Fee and commission income/expense PDF (91 kb)
- Financial results from operations with securities PDF (90 kb)
- Gains from foreign exchange operations PDF (92 kb)
- Operating expenses PDF (97 kb)

- Structure of Sberbank Group’s Assets under IFRS PDF (124 kb)

- General trends PDF (140 kb)
- Loans and advances to customers PDF (214 kb)
- Securities portfolio PDF (99 kb)

- Structure of Sberbank Group’s Liabilities and Equity under IFRS PDF (124 kb)

- General trends PDF (80 kb)
- Customer deposits PDF (93 kb)
- Debt securities issued PDF (79 kb)
- Equity PDF (92 kb)

- Capital adequacy PDF (90 kb)

- Corporate Social Responsibility Report
- Message from CEO and Chairman of the Executive Board PDF (76 kb)
- CSR and Business: Our Approach

- CSR and Business: Our Approach PDF (53 kb)
- Interview PDF (245 kb)
- The bank's Mission and CSR PDF (76 kb)
- How does the bank address stakeholder interests? PDF (121 kb)

- Contributing to Economic Growth and Business Development

- Contributing to Economic Growth and Business Development PDF (53 kb)
- Small Business Support PDF (213 kb)
- Ensuring availability of financial services PDF (141 kb)
- Other Initiatives PDF (88 kb)
- Contributing to creating legal environment PDF (81 kb)

- Social Dimension of Our Business

- Social Dimension of Our Business PDF (52 kb)
- Improving quality and reducing queues PDF (304 kb)
- Financial literacy PDF (88 kb)
- Socially oriented products PDF (114 kb)
- Safety of banking products and transactions PDF (71 kb)
- Sponsorship and Charity PDF (102 kb)
- Own Environmental Impact PDF (106 kb)

- Investing in Human Capital

- Investing in Human Capital PDF (43 kb)
- Personnel Training PDF (242 kb)
- Motivation and Compensation of Employees PDF (83 kb)
- Corporate Benefits PDF (73 kb)
- Work Places for The Disabled People PDF (84 kb)

- How We Manage Business

- How We Manage Business PDF (52 kb)
- Shareholder and Investor Cooperation PDF (95 kb)
- Interview PDF (202 kb)
- Compliance PDF (67 kb)
- Development of procurement system PDF (132 kb)

- About the CSR Report

- About the CSR Report PDF (52 kb)
- Contents of the Report PDF (65 kb)
- Report Boundary PDF (65 kb)
- International Standards’ Application PDF (120 kb)
- Supplements PDF (52 kb)

- Actual Headcount of the Bank PDF (79 kb)
- Bank staff by Gender PDF (82 kb)
- Bank staff by Age PDF (84 kb)
- Bank staff by EducatIon PDF (83 kb)
- Bank staff by Type of Employment PDF (84 kb)
- Average staffing number PDF (81 kb)
- Governing Bodies PDF (86 kb)
- Injury Rate PDF (80 kb)
- Employee Turnover PDF (81 kb)
- Actual Headcount of the Bank PDF (79 kb)
- Bank staff by Gender PDF (82 kb)
- Bank staff by Age PDF (84 kb)
- Bank staff by EducatIon PDF (83 kb)
- Bank staff by Type of Employment PDF (84 kb)
- Average staffing number PDF (81 kb)
- Governing Bodies PDF (86 kb)
- Injury Rate PDF (80 kb)
- Employee Turnover PDF (81 kb)

- Supplements
- CSR and Business

- CSR and Business PDF (53 kb)
- Interview PDF (245 kb)
- The bank's Mission and CSR PDF (76 kb)
- How does the bank address stakeholder interests? PDF (121 kb)

- Contributing to Economic Growth

- Contributing to Economic Growth PDF (53 kb)
- Small Business Support PDF (213 kb)
- Ensuring availability of financial services PDF (141 kb)
- Other Initiatives PDF (88 kb)
- Contributing to creating legal environment PDF (81 kb)

- Social Dimension

- Social Dimension PDF (52 kb)
- Improving quality and reducing queues PDF (304 kb)
- Financial literacy PDF (88 kb)
- Socially oriented products PDF (114 kb)
- Safety of banking products and transactions PDF (71 kb)
- Sponsorship and Charity PDF (102 kb)
- Own Environmental Impact PDF (106 kb)

- Investing in Human Capital

- Investing in Human Capital PDF (43 kb)
- Personnel Training PDF (242 kb)
- Motivation and Compensation of Employees PDF (83 kb)
- Corporate Benefits PDF (73 kb)
- Work Places for The Disabled People PDF (84 kb)

- How We Manage Business

- How We Manage Business PDF (52 kb)
- Shareholder and Investor Cooperation PDF (95 kb)
- Interview PDF (202 kb)
- Compliance PDF (67 kb)
- Development of procurement system PDF (132 kb)

- About the CSR Report

- About the CSR Report PDF (52 kb)
- Contents of the Report PDF (65 kb)
- Report Boundary PDF (65 kb)
- International Standards’ Application PDF (120 kb)
- Supplements PDF (52 kb)

- Actual Headcount of the Bank PDF (79 kb)
- Bank staff by Gender PDF (82 kb)
- Bank staff by Age PDF (84 kb)
- Bank staff by EducatIon PDF (83 kb)
- Bank staff by Type of Employment PDF (84 kb)
- Average staffing number PDF (81 kb)
- Governing Bodies PDF (86 kb)
- Injury Rate PDF (80 kb)
- Employee Turnover PDF (81 kb)
- Actual Headcount of the Bank PDF (79 kb)
- Bank staff by Gender PDF (82 kb)
- Bank staff by Age PDF (84 kb)
- Bank staff by EducatIon PDF (83 kb)
- Bank staff by Type of Employment PDF (84 kb)
- Average staffing number PDF (81 kb)
- Governing Bodies PDF (86 kb)
- Injury Rate PDF (80 kb)
- Employee Turnover PDF (81 kb)

- Financial report
- Independent auditors’ report PDF (100 kb)
- Consolidated Financial Statement

- Consolidated Financial Statement PDF (76 kb)
- Independent auditors’ report PDF (100 kb)
- Consolidated Statement of Financial Position PDF (100 kb)
- Consolidated Income Statement PDF (100 kb)
- Consolidated Statement of Comprehensive Income PDF (80 kb)
- Consolidated Statement of Changes in Equity PDF (88 kb)
- Consolidated Statement of Cash Flows PDF (84 kb)
- Notes to consolidated financial statements PDF (76 kb)

- 1. Introduction PDF (71 kb)
- 2. Operating Environment of the Group PDF (72 kb)
- 3. Basis of Preparation and Significant Accounting Policies PDF (156 kb)
- 4. Critical Accounting Estimates and Judgements in Applying Accounting Policies PDF (101 kb)
- 5. Adoption of New or Revised Standards and Interpretations PDF (66 kb)
- 6. New Accounting Pronouncements PDF (94 kb)
- 7. Cash and Cash Equivalents PDF (85 kb)
- 8. Trading securities PDF (85 kb)
- 9. Securities Designated at Fair Value through Profit or Loss PDF (86 kb)
- 10. Loans and Advances to Customers PDF (133 kb)
- 11. Securities Pledged under Repurchase Agreements PDF (86 kb)
- 12. Investment Securities Available for Sale PDF (86 kb)
- 13. Investment Securities Held to Maturity PDF (84 kb)
- 14. Premises and Equipment PDF (86 kb)
- 15. Other Assets PDF (89 kb)
- 16. Due to Banks PDF (74 kb)
- 17. Due to Individuals and Corporate Customers PDF (83 kb)
- 18. Debt Securities in Issue PDF (84 kb)
- 19. Other Borrowed Funds PDF (79 kb)
- 20. Other Liabilities PDF (81 kb)
- 21. Subordinated Debt PDF (78 kb)
- 22. Share Capital and Treasury Shares PDF (85 kb)
- 23. Interest Income and Expense PDF (78 kb)
- 24. Fee and Commission Income and Expense PDF (75 kb)
- 25. Net Gains Arising from Trading in Foreign Currencies, Operations with Foreign Currency Derivatives and Foreign Exchange Translation Gains PDF (73 kb)
- 26. Net income/(expenses) of non-core business activities PDF (74 kb)
- 27. Operating Expenses PDF (75 kb)
- 28. Income Taxes PDF (93 kb)
- 29. Earnings per Share PDF (75 kb)
- 30. Dividends PDF (76 kb)
- 31. Segment Analysis PDF (116 kb)
- 32. Financial Risk Management PDF (188 kb)
- 33. Contingencies and Commitments PDF (96 kb)
- 34. Derivative Financial Instruments PDF (91 kb)
- 35. Fair Value of Financial Instruments PDF (148 kb)
- 36. Transferred financial assets and assets held or pledged as collateral PDF (92 kb)
- 37. Related Party Transactions PDF (87 kb)
- 38. Operations with State-Controlled Entities and Government Bodies PDF (92 kb)
- 39. Principal Subsidiaries PDF (105 kb)
- 40. Capital Adequacy Ratio PDF (79 kb)
- 41. Subsequent Events PDF (66 kb)

- Other files
- Annual Report PDF (2708 kb)
- Social Report PDF (3485 kb)
- Financial Report PDF PDF (1413 kb)

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