Sberbank - Annual Report 2010 - Amounts Due to Customers

Home Annual Report Management Report Structure Liabilities Amounts Due to Customers

# Amounts Due to Customers

A breakdown of the structure of amounts due to customers is presented in the table below:

| As of 31 December 2010 | As of 31 December 2009 | Change, %
--- | --- | --- | ---
RUB m | Amount | % of amount | Amount | % of amount |
Due to individuals |  |  |  |  |
Current/settlement accounts | 785,750 | 11.8 | 540,455 | 9.9 | 45.4
Term deposits | 4,048,709 | 60.9 | 3,246,857 | 59.7 | 24.7
Total | 4,834,459 | 72.7 | 3,787,312 | 69.6 | 27.6
Due to corporate customers |  |  |  |  |
Current/settlement accounts | 1,199,581 | 18.0 | 965,032 | 17.8 | 24.3
Term deposits | 617,091 | 9.3 | 686,527 | 12.6 | (10.1)
Total | 1,816,672 | 27.3 | 1,651,559 | 30.4 | 10.0
TOTAL | 6,651,131 | 100.0 | 5,438,871 | 100.0 | 22.3

At 31 December 2010, amounts due to individuals and corporate customers increased by 22.3% to RUB 6,651.1bn. The share of amounts due to individuals in the total amount due to customers increased by 3.1 p.p. to 72.7%; the portion of amounts due to corporate customers fell to 27.3%.

In 2010, the structure of amounts due to individuals and corporate customers changed little versus 2009. Term deposits make up 70.2% of amounts due to customers and the proportion of current accounts added 2.1 p.p. to 29.8%.

In 2010 the Russian rouble was the Group’s major funding currency with the volume of Russian rouble-denominated amounts due to individuals and corporate customers reaching 82.4%. This is a 3.5 p.p. increase versus 2009 reflective of a more stable exchange rate and customer confidence in the national currency returning.

- International borrowings
- Amounts Due to Customers

## History

- Recommend Page
- Structure Liabilities
- International borrowings
- Structure Assets
- Investments in Securities

## My Annual Report

- Store Page
- Show Saved Pages (20)

## Tools

- Quick Analyser
- Download Center

### Key figures

- Operating Income
- Assets
- Net Profit