Corporate Lending

• Sberbank is willing to consider providing financing to all well-performing companies, regardless of form of incorporation, industry field or size.
• We are always looking to establish new, mutually beneficial relations, based on reciprocal trust and transparency.

Individual Options for Every Customer

Sberbank offers a wide range of standard loan products to Micro, Small and Medium entities involving low interest rates and short TTY (time to yes). Traditionally, we guarantee that our application review process is transparent and accurate.

We are also delighted to offer you our tailor-made lending solutions that, of course, involve more time to prepare and higher prices. In these cases, a higher rate is due to costs we incur to arrange this particular solution as well as to higher risk exposure. This being said, our approach is not discriminative; we apply the same principles to all our customers when setting interest rates.

We apply this individual, bespoke approach to our large, high-profile customers. We offer them a wide range of tailor-made solutions, based on their individual requirements. These customers may also count on streamlined short-term lending procedures, extended terms, and access to investment lending.

We apply our most differentiated approach to customers who require financing for different projects. Sberbank draws up flexible funding schedules, allowing for all stages of funds disbursement.

In addition, we offer special terms and conditions for financing large-scale infrastructure projects, including those that involve private-public partnerships. We are prepared to consider loan terms of 10-15 years for infrastructure projects that are critical for the country’s economy, which is an almost unprecedented step in the modern history of banking here in Russia.

Critical Factors

First, when making a loan decision, we pay particular attention to the applicant’s financial performance, to estimated sources of repayment and ways to decrease credit risk exposure (security, guarantees and other types of warranties).

We are also interested in the adequacy of your financial forecasts, plans and responses to the changing business environment. Here too, we are prepared to provide you with reasonable assistance in preparing the required documentation. Sberbank boasts one of Russia’s best teams of analysts who have a clear understanding of the current situation and the prospects of any industry, region or market segment. It goes without saying that they will not disclose the confidential details of your competitors, but they will willingly share their latest view of the market situation and will help you to add precision to your forecasts and plans.

Sberbank pays particular attention to the credit risks created by the corresponding borrowers. In these cases we analyze not only the formal criteria, but also any available information on business ownership and management. This is why we very much welcome full disclosure of information by holdings and other groups of entities as to the degree of any internal affiliations. As a general rule, such disclosure helps us to offer more advantageous lending terms.

Forestalling Troubles

If your company is in arrears with its debts, we are ready to help both sides reach a compromise on the matter. However, a proactive approach is always a better solution. This involves identifying troubles at an early stage and taking steps before things get any worse. To this end, Sberbank has created a monitoring and quality control system for our loan portfolio. At the first sign of cash flow problems, please do not hesitate to discuss the situation with us. As a rule, early stages offer many more solutions than even a borrower with a long history may have imagined.

We will work hand in hand to overcome any difficulties and work out optimal restructuring solutions, to ensure both a recovery of your business and repayment of the debt. And only once other methods have proven impossible may Sberbank look at enforcing upon collateral. Practice shows that measures taken to keep a non-viable business afloat artificially prove to be more expensive for the bank, for the borrower, and for the given region as a whole.

We apply a strict policy to those entities and their owners who act unscrupulously and fraudulently against our bank. Unlike many other banks, Sberbank is responsible for the savings of the most disadvantaged members of the population. It is the professional duty and personal honour of every Sberbank employee to prevent the misappropriation of these funds. We operate exclusively within the law and we effectively protect the interests of our depositors and shareholders.

Retail Lending

• Sberbank offers loans for all manner of purposes (consumer loans, home (mortgage) loans, loans for education, car loans, plus credit cards and debit cards with an overdraft option).
• We continually ensure the availability of our loan products; during 2010 alone we reduced our lending rates twice.
• In 2010, Sberbank took an unprecedented decision in the Russian market – it cancelled all commission fees on loan agreements with individuals. 

Loan Factory

Launching a centralized approach to the processing of all loan applications we simplified and expedited the lending procedure for our customers. A TTY for any loans (except for home loans and mortgages) is three business days and the procedure involves a minimum requirement for documentation; in most cases the applicant simply has to show his/her passport.

Individual Approach

Sberbank is introducing a new range of retail lending products, involving individual interest rate terms. Lending terms are formulated based on your personal credit history, your relationship with the bank and the purpose of the loan. Is this the first time you have come to Sberbank? Is your employer one of our customers? Is your salary transferred to a card issued by Sberbank? Are you reapplying to us for a loan? Are you a student? Do you need to renovate your kitchen or buy yourself a new car? Our solution will account for all your needs and be priced accordingly.

Critical Factors

When we make a decision on granting a loan and on its terms, we pay special attention to the following factors:

• The creditworthiness of you and your guarantors (if any)
• Your credit history, i.e. loans that you have taken out and repaid (or are currently repaying), including those taken out with other banks
• How stable and predictable your employment is
• The liquidity of the collateral you plan to provide

Forestalling Troubles

If you are in arrears with your debts we will certainly scrutinize the reasons and try to find the best solution for repaying the debt. If you are experiencing temporary difficulties, we can offer a number of debt restructuring options and draw up a new payments schedule.

If you learn in advance of forthcoming financial difficulties (e.g. you are informed that your employment is to be terminated), it would be best to contact the Bank office where you received your loan. You may count on our complete understanding, discretion and desire to find a mutually beneficial solution. Additionally, this will enhance your reputation as an honest borrower.

The Bank will proceed to realize collateral only if a borrower’s financial standing is beyond recovery and debt restructuring might only worsen the situation since the debt would increase by the amount of interest accrued.

Sberbank is ready to offer various means of support to customers who encounter financial difficulties, although it shall not tolerate improper actions. We are prepared to apply the severest measures against those who abuse the Bank’s trust by misusing borrowed funds or by misappropriating money. However, we sincerely believe that there is a reasonable way out of any situation.